XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX**** ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories inc
luding the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
03/17/2021
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
MA
01103
Web
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/1978 XXXX XXXX XXXX, XXXX XXXX XXXXx XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, GA XXXX XXXX XXXX XXXX, P. O. Box XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX Box XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
COMENITY BANK/XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # 3 On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXox XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX USA/XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that Experian, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
11/25/2019
Yes
Checking or savings account
Other banking product or service
Managing an account
Fee problem
GA
30233
Web
Older American
Commenity Capitol Bank XXXX XXXX XXXX, OH XXXX Dispute # XXXX XX/XX/2019 I checked account online and noticed a charge for {$110.00}, and called XXXX XXXX masterCard, to dispute the charge. I was advised the that was a membership renewal and had to go through XXXX to cancel. XXXX XXXX XXXX was brought on line and verified that since I has a rewards credit card membership renewal was {$110.00} rather then the normal {$50.00}. I advised that I live 50+ miles from the store and was not a business that I didn't want to renew at the XXXX rate requested that my membership be cancelled and the {$110.00} be refunded. A subsequent call to XXXX verified that the membership was cancelled on XX/XX/XXXX or XX/XX/XXXX. Since then I have made numerous calls to XXXX XXXX and to XXXX XXXX mastercard perks.
There were a couple of called made between XXXX XXXX, XXXX XXXX master card and us trying to resolve this problem. Below is a printout of conversations between that is on their secure message center.
Also last conversation was that it will be fixed, I find that XXXX was drafted out of my account : This would have resulted by my pay balance XX/XX/2019 Online Payment from Account ending in ( ... XXXX ) {$110.00} Commenity Capitol Bank XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Dear sirs : Dispute : XXXX Your information requested.
XX/XX/2019, a charge for {$110.00} for membership dues, I called XXXX XXXX and advised I did not want the membership for {$110.00}, since we only go up the XXXX once a month and spend approximately {$450.00} per visit.
My membership was cancelled on XX/XX/XXXX or XX/XX/XXXX. I cancelled by phone and use of the XXXX XXXX sec ure message center on the XXXX XXXX XXXX web site. No charges were put on the credit charge and no rewarrs points were used. Below find the message center from the website, From : Comenity Bank Sent : Tuesday, XX/XX/2019, XXXX XXXX ( ET ) To : You Subject : Re : Closing or Opening an Account Message ID : XXXX Thank you for your recent inquiry to our Customer Care Department. Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. We value you as a customer, and we strive to provide you the best possible service. In order for us to resolve this matter, please call My XXXX XXXX Member Care XXXX ( Monday-Friday XXXX EST ; Saturday XXXX XXXX ; Sunday XXXX EST ) as soon as possible. We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- The {$110.00} charge that is in question is a membership renew due to the charge card. I already contacted the charge card and they said the charge is by XXXX for membership renewal.
From : You Sent : Monday, XX/XX/2019, XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Closing or Opening an Account Message ID : XXXX The {$110.00} charge that is in question is a membership renew due to the charge card. I already contacted the charge card and they said the charge is by XXXX for membership renewal.
From : Comenity Bank Sent : Sunday, XX/XX/2019, XXXX XXXX ( ET ) To : You Subject : Re : Closing or Opening an Account Message ID : XXXX Thank you for your recent inquiry to our Customer Care Department. Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. We regret to inform you that we do not have additional details regarding the purchase on your XXXX XXXX XXXX XXXX Mastercard account. Please contact the merchant directly in regards to the details of your transaction. Per your request, we have already closed your account on XX/XX/XXXX. Your current balance is {$510.00} and this information will be provided to the national credit reporting agencies. We will continue to send monthly billing statements on any remaining balance until it is paid in full. Although you requested your account closed, we hope that you will continue to shop with XXXX XXXX XXXX XXXX Mastercard. We value you as a customer and would like to invite you to apply for a new XXXX XXXX XXXX XXXX Mastercard account via the https : //comenity.netXXXX website in the future. We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I requested that my XXXX XXXX account be cancelled and a charge of {$110.00} be reversed, two weeks ago. Please verify that the account is closed and {$110.00} charged back to my account From : You Sent : Saturday, XX/XX/2019, XXXX XXXX ( ET ) To : Comenity Bank Subject : Closing or Opening an Account Message ID : XXXX I requested that my XXXX XXXX account be cancelled and a charge of {$110.00} be reversed, two weeks ago. Please verify that the account is closed and {$110.00} charged back to my account From : Comenity Bank Sent : Monday, XX/XX/2019, XXXX XXXX ( ET ) To : You Subject : Re : Refunds Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your Mastercard account. I'm happy to help you today. This card is issued by Comenity Capital Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. We certainly do apologize for any inconvenience or confusion this has caused. For better assistance regarding refund on your account, we request you to contact us by phone at XXXX. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Pleas e fix this problem. I have been fighting XXXX/XXXX XXXX comenity Capitol bank since XXXX. My membership has been cancelled. and I am requesting a refund for the membership charge on the, XXXX Comenity charge who according to the Comenity rep ( XXXX ), see below ; Comenity did not have a request to refund and the XXXX XXXX rep ( XXXX ) was to send an additional request for the refund.
From : You Sent : Saturday, XX/XX/2019, XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Refunds Message ID : XXXX Pleas e fix this problem. I have been fighting XXXX/XXXX XXXX comenity Capitol bank since XXXX. My membership has been cancelled. and I am requesting a refund for the membership charge on the, XXXX Comenity charge who according to the Comenity rep ( XXXX ), see below ; Comenity did not have a request to refund and the XXXX XXXX rep ( XXXX ) was to send an additional request for the refund.
From : Comenity Bank Sent : Tuesday, XX/XX/2019, XXXX XXXX ( ET ) To : You Subject : Re : Refunds Message ID : XXXX Dear XXXX, I'm Mr. XXXX with Comenity Capital Bank, which handles everything related to your XXXX XXXX XXXX World Mastercard account. This card is issued by Comenity Capital Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. I apologize for any inconvenience you've experienced. However there are no credit for the below mentioned amount showing on your account. Please call XXXX XXXX XXXX at XXXX ( Monday-Friday XXXX EST ; Saturday XXXX EST ; Sunday 12pXXXX EST ) for assistance. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/19 XXXX Called XXXXXXXXto request mo information about the requested refund of {$110.00}, for XXXX membership renewal. I was transferred to XXXX XXXX, XXXX, and informed her of the history of this request. She called Commenity rep ( XXXX ), and advised that he did not have any request for a refund. XXXX XXXX. XXXX checked with her supervisor who advised that the request for the refund was made XX/XX/19, Commenity did not show any request to reverse the charge and XXXX was unable to reverse the charge. XXXX and her supervisor was to followup.
From : You Sent : Saturday, XX/XX/2019, XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Refunds Message ID : XXXX XX/XX/19 XXXX Called XXXXto request mo information about the requested refund of {$110.00}, for XXXX membership renewal. I was transferred to XXXX XXXX, XXXX, and informed her of the history of this request. She called Commenity rep ( XXXX ), and advised that he did not have any request for a refund. XXXX XXXX. XXXX checked with her supervisor who advised that the request for the refund was made XX/XX/19, Commenity did not show any request to reverse the charge and XXXX was unable to reverse the charge. XXXX and her supervisor was to followup.
From : Comenity Bank Sent : Friday, XX/XX/2019, XXXX XXXX ( ET ) To : You Subject : Re : Refunds Message ID : XXXX Dear XXXX, I'm Ms. XXXX with Comenity Capital Bank, which handles everything related to your XXXX XXXX XXXX Mastercard account. I'm happy to help you today. This card is issued by Comenity Capital Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. We apologize for any inconvenience you've experienced. We'll use your feedback to provide the best customer service possible. The best way we can help with your concern is to call XXXX XXXX XXXX Customer Care team at XXXX ( Monday-Friday XXXX EST ; Saturday XXXX EST ; Sunday XXXX EST ). If you have any questions, please click the reply button. Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- This is my third attempt to get a $ XXXXrefund for my membership. As soon as I saw the charge, called and cancelled my membership and requested the {$100.00} charge be reversed. I was told that it would take 10 business days. I called again was advised that who ever did the first reimbursement did not do the refund correctly. The second person was going to correct. So far it has not been reversed. Please advise me what is the problem. XXXX XXXX is approximately 50 miles away and we are not a business, to pay that level of membership. Also we have never used any of the rebate for using the card.
From : You Sent : Tuesday, XX/XX/2019, XXXX XXXX ( ET ) To : Comenity Bank Subject : Refunds Message ID : XXXX This is my third attempt to get a $ XXXXrefund for my membership. As soon as I saw the charge, called and cancelled my membership and requested the {$100.00} charge be reversed. I was told that it would take 10 business days. I called again was advised that who ever did the first reimbursement did not do the refund correctly. The second person was going to correct. So far it has not been reversed. Please advise me what is the problem. XXXX XXXX is approximately 50 miles away and we are not a business, to pay that level of membership. Also we have never used any of the rebate for using the card.
From : Comenity Bank Sent : Tuesday, XX/XX/2019, XXXX XXXX ( ET ) To : You Subject : Re : Transaction Information Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your Mastercard account. This card is issued by Comenity Capital Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. We apologize for any inconvenience you've experienced. Please be informed that a special letter stating the same has been sent to your mailing address and will reach you within 7-10 business days. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- What is the problem. I filed a complaint with comenity bank, for an unauthorized charge on my Master Card. Dispute # XXXX.. This has been ongoing since XXXX, and my membership has been cancelled and I have yet to get a refund. I also thought that a disputed charge is debited back on the charge card until the dispute is adjudicated.
From : You Sent : Saturday, XX/XX/2019, XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Transaction Information Message ID : XXXX What is the problem. I filed a complaint with comenity bank, for an unauthorized charge on my Master Card. Dispute # XXXX.. This has been ongoing since XXXX, and my membership has been cancelled and I have yet to get a refund. I also thought that a disputed charge is debited back on the charge card until the dispute is adjudicated.
From : Comenity Bank Sent : Thursday, XX/XX/2019, XXXX XXXX ( ET ) To : You Subject : Re : Transaction Information Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your Mastercard account. This card is issued by Comenity Capital Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. We would like to take this opportunity to inform you that, we are still working on your dispute. You will be informed as soon as your dispute is approved. We appreciate your patience in this regard. If you have any questions, please click the reply button. Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX Contacted My XXXX card XXXX XXXX XXXX option 4-3-9. Talked to XXXX and explained problem, `disputed the charge since this is a regular MasterCharge. Opened dispute Case # XXXX.
From : You Sent : Wednesday, XX/XX/2019, XXXX XXXX ( ET ) To : Comenity Bank Subject : Transaction Information Message ID : XXXX XX/XX/XXXX Contacted My XXXX card XXXX XXXX XXXX option 4-3-9. Talked to XXXX and explained problem, `disputed the charge since this is a regular MasterCharge. Opened dispute Case # XXXX.
I am also requesting any interest that has accrued.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
03/15/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
MN
55316
Web
My complaint is regarding an account that was set up for a purchase from XXXX for a laptop computer and an extended warranty. We purchased the computer through a program offered through my husbands employer XXXX XXXX XXXX. Through the XXXX website we purchased a laptop for {$720.00} and an extended warranty for {$200.00} with credit that was received through XXXX on their website. The company used to be called XXXX XXXX XXXX XXXX. The promotion we were eligible for was for no payments and no interest for 12 months with purchases over {$890.00}. On the initial and subsequent billing statements the verbiage under the section of the bill titled important information for you states see terms, however there are no terms listed on the statement, nor any additional documentation or paperwork attached. It doesn't state where to go to find the terms either. I tried to pull the terms online as the disclosure agreements are supposed to be provided quarterly. When I go to the Consumer Financial Protection Bureau 's website and do a search by XXXX XXXXl XXXX, the terms for XXXX preferred are not listed. The Truth in Lending Act requires credit card issues to submit their card agreements on a quarterly basis. The billing statements from XX/XX/XXXX to XX/XX/XXXX had an Important Account Information section stating no interest or payments if paid in full in 12 months, however the statements as of XX/XX/XXXX do not list any special financing on our billing statement. Instead the verbiage reads Account Closed in the important information section on the bill. None of the bills state what balance the interest rate will be charged on, or the amount of interest that will be charged after the end of the term if not paid in full. There is nothing stating that interest will be charged on the original balance even though payments have been made monthly. We were making payments monthly online as this is what we had done before with our home computer we purchased a few years prior. We had an XXXX XXXXXXXX XXXX XXXX XXXX XXXXr set up for another XXXX Computer we purchased and that was paid in full with no issues. That is because we were able to make payments online. The online payments worked great as we could see the real time balance at the time of the payment, so we knew exactly the amount we were paying was on track to be paid off in full prior to the expiration date. Unfortunately, we got a letter in the mail from XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXXXXXX, dated XX/XX/XXXX, stating that the website XXXX XXXX XXXX was being shut down on XX/XX/XXXX. The letter stated after that date we wouldnt be able to make payments be serviced online. The letter said in order to make payments we would need to mail a check, call customer service to make a payment over the phone or set up a payment through a bill pay service. There was no option to make a payment online or to be able to view the activity or statements ( or any other pertinent account information ) online. The only option was mail order statements according to the letter. The statements still showed that online payments could be made ( even the sMy complaint is regarding an account that was set up for a purchase from XXXX for a laptop computer and an extended warranty. We purchased the computer through a program that is offered by my husbands employer XXXX XXXX XXXX. Through the XXXX website we purchased a laptop for {$720.00} and an extended warranty for {$200.00}. We purchased this through credit that was approved by XXXX through their XXXX XXXX XXXX XXXX credit offer. The promotion we were eligible for was for no payments and no interest for 12 months. The billing statements wording says see terms, however there are no terms listed on the statement, nor any additional documentation or paperwork attached. I tried to pull the terms online as the disclosure agreements are supposed to be provided quarterly, but when I go to the Consumer Financial Protection Bureau 's website and do a search by XXXX XXXX XXXXXXXX, XXXX XXXX is not listed. The Truth in Lending Act requires credit card issues to submit their card agreements on a quarterly basis. The billing statements from XX/XX/XXXX to XX/XX/XXXX had an Important Account Information section stating no interest or payments if paid in full in 12 months. As of XX/XX/XXXX the important information section on our billing statement does not list any special financing. All it shows is Account Closed in the important information section on the bill. What it does not state what balance the interest rate will be charged on, or the amount of interest that will be charged after the end of the term if not paid in full. There is nothing stating that interest will be charged on the original balance even though payments have been made monthly. We were making payments monthly online as this is what we had done before with our home computer we purchased a few years prior. The online payments worked great as we could see the real time balance at the time of the payment, so we knew exactly the amount we were paying was on track to be paid off in full prior to the expiration date. Unfortunately, we got a letter in the mail from XXXX XXXX XXXX c/o XXXXXXXX XXXX XXXX XXXXXXXX, dated XX/XX/XXXX, stating that the website XXXX XXXX XXXX was being shut down. The letter said to make payments we would need to mail a check, call customer service to make a payment over the phone or set up a payment through a bill pay service. There was no option to make a payment online or to be able to view the activity or statements ( or any other pertinent account information ) online. The only option was mail order statements according to this letter. The billing statements after that change still stated that online payments could be made ( even the statement sent the same day the letter about shutting down the website was sent on XX/XX/XXXX ). Every statement that was sent from XX/XX/XXXX through XX/XX/XXXX had the following verbiage : Payments made by phone or at hpdirect.com Preferred Account Pay online service XXXX XXXX Preferred Account will credit payments made using the Pay Online Service if made by XXXX XXXX. Eastern Time on any calendar day, as of the date the payment is made. The statements were providing inaccurate information to their customers! Not only were the statements misleading but so were the emails that were sent regarding our account. The emails we received stated that information regarding your account could be accessed by going to XXXX XXXX ( different internet site that what was listed on the statements ). The link provided on the emails links you to the XXXX retail site which is where we purchased our products. That XXXX retail website does not have any information regarding our account, only our orders. It does not provide us any statements or any information about billing. Every written correspondence that was sent during our payment term contained inaccurate information regarding payments and statements that were supposedly available online. How can a bank send misleading information to their customers? Also, on the XXXX XXXX XXXX website it tells you that you can link your retail account to a PayPal account if you have one. If you don't have one then you can open a PayPal account and that will allow you to link your accounts. It doesn't make sense that in order to make a payment on an existing account you would have to open another new Pay Pal account. My husband has a Pay Pal account he uses for work only and since he uses that for work he does not want to link a personal credit card account to a paypal account used for work. It won't even allow us to link the accounts. Again, misleading information. We don't want to open a personal PayPal account as we had fraudulent activity where someone opened a papal account with my name. Apparently, you just need a persons name and birthdate to open an account. I was charged and billed for transactions on an account I did not open, and it took a long time to resolve these fraudulent charges and get the fraudulent account closed. I will never open a Pay Pal account because of this. It is misleading to customers to state incorrect information regarding payments on the billing statements. To state you can pay online at a website that does not exist for payments, instead they try to convince the customer to open a paypal account so they can link the closed account to a new account they don't need and don't want to open. Why would you want to open a new account, it looks bad on your credit report. To state they can only service your existing account by opening a new account is bait and switch. Thisis why laws are in place to protect customers from deceptive practices from Banks and Credit Card Companies. This is why the Fair Credit and Reporting act and the Dodd Frank Act ( among others ) are in place. I have paid my account in full but now have a balance of {$200.00} which includes late fees and interest after I submitted a dispute ( which was sent via certified mail ). Nobody ever acknowledged our dispute. They sent us an email that is was being investigated, but nobody ever got back to us. They continue to bill us after the dispute was filed even though they never acknowledged or responded to our dispute. The statements don't even show the balance the interest is computed on ( which is required by the truth in lending act ). Paypal has been very difficult to work with even though this is due to their lack of information and deceptive practices and failure to respond to our dispute. To think they keep continuing to add late fee 's and interest even though I filed an official dispute, and now are trying to bargain with me by offering a lesser amount to settle. I am wanting all fees and interest associated with my account removed and our account credited to a XXXX balance. It isnt fair for a creditor to ask you to open another new account to view information on a previous account and to state you can make payments online and view statements online when you cant. Not only is it unfair and deceptive, but it is also illegal. Even the statement sent the same day the letter was sent on XX/XX/XXXX. Every statement that was sent from XX/XX/XXXX through XX/XX/XXXX had the following verbiage : Payments made by phone or at XXXX Preferred Account Pay online service : XXXX Preferred Account will credit payments made using the Pay Online Service if made by XXXX XXXX. Eastern Time on any calendar day, as of the date the payment is made. So, your statements were providing incorrect information to your customers! Not only were the statements misleading but so were the emails that were sent regarding our account. The emails we received stated that information regarding your account could be accessed by going to XXXX XXXX ( different internet site that what was listed on the statements ). The link provided on the emails links you to the XXXX retail site which is where we purchased our products. That website does not have any information regarding our account, only our orders. It does not provide us any statements or any information about billing. Every written correspondence that was sent during our payment term contained inaccurate information regarding payments and statements that were supposedly available online. How can a bank send such misleading information sent their customers? Then on the XXXX XXXX XXXXr website it tells you that you can link your retail account to a PayPal account if you have one. If you don't have one then you can open a PayPal account and that will allow you to link your accounts. So, my husband has a Pay Pal account he uses for work only. He uses that for work, so he does not want to link our personal account to an account for work. It won't even allow us to link the accounts. Again, misleading information. We don't want to open a personal PayPal account as we had fraudulent activity where someone opened a papal account with my name. Apparently, you just need a persons name and birthdate to open an account. I was charged and billed for transactions on an account I did not open, and it took a long time to resolve these fraudulent charges and get the fraudulent account closed. I will never open a Pay Pal account because of this. They are misleading customers by telling them information that is not true and trying to get customers to open another account, so they can service an existing account is why I'm going to report this information. Not only to the BBB but to the governing agencies as there are laws in place to protect customers from deceptive practices from Banks and Credit Card Companies. This is why the Fair Credit and Reporting act and the Dodd Frank Act ( among others ) are in place. I have paid my account in full but now have a balance of {$200.00} which includes late fees and interest after I submitted a dispute ( which was sent via certified mail ). Nobody ever acknowledged our dispute. They sent us an email that is was being investigated, but nobody ever got back to us. They continue to bill us after the dispute was filed even though they never acknowledged or responded to our dispute. Your statements don't even show the balance the interest is computed on ( which is required by the truth in lending act ). Due to all the inconveniences, incorrect information supplied and failure to respond to our dispute, I am wanting all fees and interest associated with my account removed and our account credited to a XXXX balance. It isnt fair for a creditor to ask you to open another new account to view information on a previous account and to state you can make payments online and view statements online when you cant. Not only is it unfair and deceptive, but it is also illegal.
06/24/2019
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
NC
28078
Web
CFPB : Please Review Case and additional documents that prove this card is not mine!
Hello. I wanted to send an email to discuss the issues that I am having with your organization. I didnt want to go this far, however I have exhausted all other avenues to get an issue resolved with the organization that you head as CEO. I hope this letter finds you in good spirits as we do not like to hear about the bad things going on in our organizations, however these items need to be brought to your attention.
Mr. XXXX, I understand you just recently took the role of CEO of XXXX, and worked at XXXX for over 11 years. I am bringing this to your attention because I have reached out to Comenity Bank and Alliance Data, whom owns Comenity Bank to resolve this matter and they continue to make threats and tell my attorney and identity theft protection lies that are not true about this situation. What I am seeking is your assistance to take care of this matter. I have provided Comenity Bank with all the information and also emailed the CEO XXXX XXXX, whom had XXXX XXXX reach out to me and still tell me that I opened a card with your Brand on it with their bank and I never did, I have sent documents several times, made several calls along with my attorney and identity theft protection only to get threats that they have this and that on me and that I opened the card in a store which is a lie. I just can not believe that your organization lets a bank like Comeity Bank manage its card with your brand on it and treat consumers the way that is does. I am telling you my story because you as CEO should know what this is doing to the XXXX brand. We always hear the saying if something bad happens that person will tell about 10 others and so and so forth. Well lets just say I have already advised several persons about this situation and, from the market watch XXXX isnt doing so hot, and you were hired to turn this organization around, with things like this happening its only going to drive consumers away from the brand. I do not want to seek legal action as I think we are both intelligent persons and just to let you know 11 of the 14 accounts that were opened in my name without my knowledge are closed and deemed fraud and they all had the same situation as this account. I think we can all come to amical resolution to benefit XXXX, Comenity Bank, and myself, without seeking legal action. I am not making threats, I am just stating facts and you as CEO of this brand needs to know what kinds of issues this Bank is doing to the reputation of XXXX Incorporated. The rest of this email is a synopsis of what I have been dealing with and I hope you, can assist me with this matter, as I have went as far as I can other than going the legal option, which I do not want to do, however if there is no amical resolution then I will have no other choice but to do so, I hope you understand.
My identity was stolen in XX/XX/XXXXwith a lost wallet and also again in XX/XX/XXXXwith the XXXX Data Breach. I found out about the Comenity Bank/XXXX credit card that was on my credit report that your bank services. The card was fraudulently opened in my name and I had no idea whom used my information other than the accounts were opened online at the retailers website and approved. This person used my SSN, DOB, Address, a fake email address and also opened several other accounts with other financial intuitions.
On XX/XX/XXXXI mailed your organization the FTC fraud affidavit, my police report and also documents to prove who I am and that I did not open these accounts. The Items were delivered to your organization in XXXX, OH XX/XX/XXXX, and again on XX/XX/XXXX.
On XX/XX/XXXX, I contact my identity theft protection and I also provided an Attorney in Fact POA to your organization, my attorney who is handling sent XX/XX/XXXX and received confirmation as well that it was signed for and then the fraud investigation began. I was told when I called on XX/XX/XXXX that all accounts would be looked into and in good faith sent the documents to prove my case to your organization that this card was opened in my name without my consent and was not aware of. I have called several times and asked to speak to a manager of the fraud investigations department and was advised they do not take calls. My POA has also called which is my Attorney handling the case and asked to discuss the account and numerous times they have denied her access to the information. I have called again numerous times, and my Attorney called and spoke to a female whom was not helpful other than to state that they found the information and will have the POA added to the account. When I spoke to a XXXX on XX/XX/XXXX, he states he will send a escalated request to have the POA added and I demanded that after we have faxed and mailed documents 4 and 5 times that this is a little out of hand and someone is not doing their job only to find out that the paper work was just sitting on an employees desk and had not been entered into the system. If I would run the organization that I work for like that there would be some very large changes to the process to make this simpler for the consumer as well.
On XX/XX/XXXX, I filed a Consumer Protection Bureau complaint against your organization for violation of the Fair Debt Collection Act, the Fair Debt Billing Act and also being in violation of regulations E and Z of the Truth and Lending Act. Comenity Bank/XXXX has not been honest with my attorney or myself in regards to this fraud case for the Comenity Bank XXXX Credit Card. I was never notified and was never shown any information from your bank about rates and any other items had these cards were opened in my name as it is by law that you mail this information and these cards would have been caught sooner than now. Your organization has failed to provided me with any resolution and the Consumer Financial Protection Bureau received my complaint and I have responded with my feedback. My attorney also sent additional documentation to your address in XXXX, OH again with additional information showing that I never made payments on this card with the account that your bank states that I did and also statements from my current back whom I bank with shows no payments ever made to your organization. These documents were mailed on XX/XX/XXXX certified mail, and we have also faxed your organization only to find out that the documents were just sitting on an employees desk and have not been handled.
Your organization should have these documents this week and my attorney will be calling in to speak with your organization and XXXX XXXX at XXXX, whom responded to the Consumer Financial Protection Bureau complaint. As I stated above your organization has been most difficult to work with and has been rude to myself and my attorney and refused to provide pertinent information to either of us. In Mr. XXXX response he also states a cease and desist letter was sent from a XXXX XXXX XXXX XXXX XXXX XXXX. I called and spoke to XXXX who is the executive manager of XXXX XXXX XXXX and he advised me that they have no record of me ever contacting them, he verified my SSN, DOB, Email Address, and Address and stated that he has no record or documentation that I ever contacted them to settle the debt with your organization, as I never knew about that account.
My attorney also has records to this fact where I spoke to XXXX and he provided that information, I also asked what his organization does and he explained and agreed that I never reached out to them for assistance and he has not record of such account. This is providing false and egregious information to a Government Agency on your organizations behalf and also violates my privacy and United States Citizen under the Patriot Act. This account was also opened online according to the officer investigating my case with XXXX XXXX Police Department. This is a complete violation of the Uniform Electronic Transaction Act ( UETA ). Your organization also violated the Sarbanes-Oxley Act ( SOX ), when allowing someone to pose as me online with a fraudulent email address and e-sign documents that I agreed to the account and would accept the credit card and use it for purchase, which I never did. Your organization also violates the Dodd-Frank Act ( DFA ), and the Graham-Leach-Bliley Act ( GLBA ), which are also governed by the Consumer Financial Protection Bureau, the Federal Deposit Insurance Corporation, and the Office of Comptroller of Currency.
I dont shop at XXXX retailers nor would I ever have a credit card with this organization with the way consumers are treated. It is unjust and unfair to the consumers such as myself whom are victims of Identity theft and I have to go to these lengths to send all this documentation and get an attorney involved as well as my credit monitoring identity theft services to deal with your organization. I have proven with all the documents that I have sent to your organization that the account was sent up in my name fraudulently and is identity theft and I dont know what other course of action but to have my attorney take your organization to court and sue you for damages, losses, attorney fees, and pain and suffering from having to deal with this issue. According to the records that I have the account had {$1300.00} from the statement that was sent to me alerting me of the fraudulent card, and It was not me and if your organization wants to go to court over that, then we will have no choice but to do so. I do not want to go this far with your organization and harm its reputation around the globe, however I will do what is necessary to protect myself and my good credit.
I continue to receive documentation from your organization that payments were made and the information is very vague, XXXX whom I spoke with in the fraud department on several occasions states that payments were made and so I went to the bank these payments came from as she states and got a letter that shows that I have no open accounts with them and never been a client. I also sent 5 months of my current bank statements that show that I never made any payments to your organization as in good faith to show that this account was opened in my name fraudulently and I did not make payments on the account.
My concern is if your organization treats customer whom show that they are victims of identity theft and also that person in good faith provides documentation that the accounts are fraud and they never opened them, nor made payments what is the issue? Does your organization continue to violate laws set for by the Congress of the United States of America and the Governmental agencies that monitor banks like Comenity Bank/XXXX? This is why I filed a complaint against the organization that you head. I also received an alerts from my identity protection that your bank fraudulently placed the charge account back on my credit report again and I will dispute again. This is a complete and utter violation of the Fair Debt Collection Act and the Fair Debt Billing Act and violation of 605B of the Act, while an account is in dispute it is to be removed from credit reporting agencies.
On a personal note does your organization not have any empathy for someone like myself who has to deal with this? This has placed a tremendous amount of stress on me and thats why I have hired the attorney and my identity theft protection to take care of these matters, when I have to call several times to ask if a POA is on an account or why are you still holding me responsible for something that I did not do this is just unfair banking practices. I would suggest that your organization take a strong look at how your fraud teams handle customers and how they are rude and very unfriendly. I would also suggest that your bank take a look at what laws they are violating and review banking regulations several times a year.
Mr. XXXX what I expect from your organization as a resolution is to remove the Comenity Bank/XXXX Credit Card as I did not make payments on this account nor did I open it. I would also like to speak with you or someone in upper level management with some sense that can handle my issues and resolve this matter so that it benefits myself and your organization. This notification and email states that I do not assume the debt nor was I aware of it.
Mr. XXXX I look forward to working with you and your management team to come to an amical resolution for both myself and Comenity Bank/XXXX If you have any further questions you can contact me after XXXX XXXX EST at XXXX, or please respond to my email.
Thank you for your assistance and kind regards, XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX XXXX : ( XXXX ) XXXX
03/23/2020
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
GA
30076
Web
NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.
Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; Makes a false representation of the character of the herein above-referenced alleged debt ; Makes a false representation of the legal status of the herein above-referenced alleged debt ; Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : Voluntarily report this account to all credit bureaus as paid as agreed ; and, Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, The matter regarding the alleged debt is finally and totally settled ; and, Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, Voluntarily report the date of last activity on this account is the date of this notice.
Furthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : One Thousand Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, Fifty Thousand Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, Five Thousand Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, Three times the alleged claim amount of eight thousand two hundred eighty five dollars and fifty seven cents ( {$8200.00} ) which equals ( {$24000.00} ) ; and, Five Thousand Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent.
This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.
Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this _________ day of ___________________, XXXX by, __________________________________ Firstname Middlename Lastname, Agent for FIRSTNAME MIDDLE LASTNAME You are the second party that has written a letter purporting to represent, or have as your client, ORIGINAL CREDITOR, the first was not registered as a debt collector in Florida and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ...
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.
Alleged Name and Address of Creditor Name on File of Alleged Debtor : Alleged Account # : Amount of alleged debt : Date that this alleged debt became/becomes payable : Date of original charge off or delinquency : Amount paid if debt was purchased : Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
Provide verification from the stated creditor that you are authorized to act for them.
Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
03/23/2020
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
GA
30076
Web
NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.
Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; Makes a false representation of the character of the herein above-referenced alleged debt ; Makes a false representation of the legal status of the herein above-referenced alleged debt ; Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : Voluntarily report this account to all credit bureaus as paid as agreed ; and, Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, The matter regarding the alleged debt is finally and totally settled ; and, Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, Voluntarily report the date of last activity on this account is the date of this notice.
Furthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$8200.00} ) which equals ( {$24000.00} ) ; and, XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent.
This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.
Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor You are the second party that has written a letter purporting to represent, or have as your client, ORIGINAL CREDITOR, the first was not registered as a debt collector in Florida and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ...
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.
Alleged Name and Address of Creditor Name on File of Alleged Debtor : Alleged Account # : Amount of alleged debt : Date that this alleged debt became/becomes payable : Date of original charge off or delinquency : Amount paid if debt was purchased : Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
Provide verification from the stated creditor that you are authorized to act for them.
Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Disputing the Debt,
04/06/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Credit monitoring or identity theft protection services
Problem with product or service terms changing
OR
97322
Web
Older American
Background : My wife would make the 20 mile drive from our home in XXXX Oregon to the XXXX XXXX clothing store once or twice a month since they first opened in XXXX. She was happy to see them open again during the Covid 19 lockdown then very disappointed to find the store closed & empty when I went there mid XX/XX/XXXX. I learned XXXX declared bankruptcy and was taken over by a company called XXXX ( XXXX ). I called XXXX and learned customers could still order clothing online so my wife went online to the website and ordered what she believed to be XXXX clothing. Upon receiving the clothing it was a lesser quality XXXX & XXXX clothing.
XXXX I Received a credit card bill from Comenity Bank/XXXX ( CB/XXXX in the amount of {$100.00} the amount of the partial order of clothing that I returned on XXXX. I called CB/XXXX and spoke with XXXX. I explained to XXXX that Id returned the clothing and didnt owe this amount. I gave her the XXXX Tracking Number and asked her to place this amount in dispute. XXXX transferred me to XXXX. I relayed the same information that Id given to XXXX and gave XXXX the date & time XXXX Confirmation showing they delivered the returned clothing to XXXX on XXXX at XXXX XXXX. XXXX said that nothing in her system shows the clothing was returned so she couldnt help me. She said I needed to contact XXXX directly to get this sorted out. XXXX said Unfortunately theyre closed at this time so youll have to call them tomorrow. '' XXXX Called XXXX and spoke with XXXX. I gave him the history and all of the information provided above, XXXX tracking Number and XXXX Delivery Confirmation when XXXX received the returned clothing. I told XXXX You have all of the information you need to fix this matter. Im leaving it in your capable hands. I dont want to have to deal with this again.
XXXX Received notification from XXXX XXXX that CB/XXXX reported to XXXX & XXXX that I had not made the XX/XX/XXXX credit card payment. I'm still being billed for the returned clothing, late fees & interest. CB/XXXX had not placed the disputed amount on hold as Id requested. My credit score dropped from XXXX to XXXX ( XXXX ) and XXXX to XXXX ( XXXX ).
XXXX Contacted XXXX, spoke with XXXX, filed a dispute against the false information XXXX reported to XXXX that I missed the XX/XX/XXXX credit card payment. Confirmation No. XXXX.
Sought legal council to learn our options to remedy the matter involving CB/XXXX for disregarding the Federal Credit Card Act, reporting false information against me to a credit reporting agency, & damaging our excellent long held credit history.
XXXX XXXX XXXX Received a call from CB Rep XXXX asking why I hadnt made the XXXX payment. XXXX said I now oI CB/XXXX {$190.00} ( {$91.00} late fees & interest ). I gave her the information they already had on file & she said I needed to contact XXXX again that she couldnt do anything about the outstanding balance. He told XXXX he wasnt going to do their job for them and she hung up on him.
XXXX Called XXXX spoke with XXXX. Before I could give her any information XXXX hung the phone up on him.
XXXX I called XXXX back - spoke with XXXX. I could not understand her so she transferred him to XXXX XXXX who transferred him to XXXX a supervisor. I provided XXXX with all of the information that they already had on file. I pleaded with XXXX to resolve this matter once and for all.
XXXX Received an email from XXXX Customer Service XXXX stating XXXX had refunded the return label fee for the clothing that I returned. She wrote Comenity Bank who bills you is able to credit back any interest and late charges that they charged you.
Note : At this juncture I believed the matter was resolved. I thought someone at XXXX had finally done something. I was wrong ...
XXXX Contacted XXXX, spoke with XXXX. Filed an online dispute. XXXX will contact CB/XXXX to correct the mistake within 7 to 10 days.
XXXX Received a credit card bill with additional interest & late fees. Called CB and spoke with XXXX. She transferred me to XXXX in the Collection Department who transferred me to Manager XXXX. XXXX said they have no information about the returned clothing and our account is in collections. I Int over the entire sequence of events and XXXX asked me to send her copies of the XXXX tracking information that Id already provided CB/XXXX representatives. I scanned and submitted the documents directly on their Ibsite that day.
XXXX Received notification from XXXX XXXX that the credit scores had been corrected. CB/XXXX had removed the false missed payment report.
XXXX Received notification from XXXX XXXX that CB had reported a second time to XXXX that our CB/XXXX credit card account was past due in XX/XX/XXXX and I credit score was hit again. They falsely reported I now {$300.00} on the account. I called CB & spoke with XXXX in Collections who transferred me back to XXXX in Customer Care. I asked XXXX why Comenity Bank reported this false information to XXXX when this matter had been in dispute since XXXX when I first reported a problem. XXXX stated Comenity Bank did not place this into dispute until XXXX after it Int into collections. She said they will make a determination within 30 to 60 days from XXXX. CB/XXXX agents completely ignored all of the information Id provided.
XXXX CB/XXXX Reported to XXXX, XXXX, XXXX that my XX/XX/XXXX payment was 30 days late even though they claimed to have placed the amount into dispute on XXXX.
XXXX CB/XXXX Reported to XXXX, XXXX, XXXX that my XX/XX/XXXX payment was 30 days late even though they claimed to have placed the amount into dispute on XXXX.
XXXX CB/XXXX Reported to XXXX XXXX XXXX that my XX/XX/XXXX payment was 30 days late even though they claimed to have placed the amount into dispute on XXXX. Background : My wife would make the 20 mile drive from our home in XXXX Oregon to the XXXX XXXX clothing store once or twice a month since they first opened in XXXX. She was happy to see them open again during the Covid 19 lockdown then very disappointed to find the store closed & empty when I went there mid XX/XX/XXXX. I learned XXXX declared bankruptcy and was taken over by a company called XXXX ( XXXX ). I called XXXX and learned customers could still order clothing online so my wife went online to the website and ordered what she believed to be XXXX clothing. Upon receiving the clothing was a lesser quality XXXX & XXXX clothing.
XXXX I Received a credit card bill from Comenity Bank/XXXX ( CB/XXXX in the amount of {$100.00} the amount of the partial order of clothing that I returned on XXXX. I called CB/XXXX and spoke with XXXX. I explained to XXXX that Id returned the clothing and didnt owe this amount. I gave her the XXXX Tracking Number and asked her to place this amount in dispute. XXXX transferred me to XXXX. I relayed the same information that Id given to XXXX and gave XXXX the date & time XXXX Confirmation showing they delivered the returned clothing to XXXX on XXXX at XXXX am. XXXX said that nothing in her system shows the clothing was returned so she couldnt help me. She said I needed to contact FB directly to get this sorted out. XXXX said Unfortunately theyre closed at this time so youll have to call them tomorrow. '' XXXX Called FB and spoke with XXXX. I gave him the history and all of the information provided above, XXXX tracking Number and XXXX Delivery Confirmation when XXXX received the returned clothing. I told XXXX You have all of the information you need to fix this matter. Im leaving it in your capable hands. I dont want to have to deal with this again.
XXXX Received notification from XXXX XXXX that CB/XXXX reported to XXXX & XXXX that I had not made the XX/XX/XXXX credit card payment. I'm still being billed for the returned clothing, late fees & interest. CBXXXX had not placed the disputed amount on hold as Id requested. My credit score dropped from XXXX to XXXX ( XXXX ) and XXXX to XXXX ( XXXX ).
XXXX Contacted XXXX, spoke with XXXX, filed a dispute against the false information CB reported to XXXX that I missed the XX/XX/XXXX credit card payment. Confirmation No. XXXX.
Sought legal council to learn our options to remedy the matter involving CB/XXXX for disregarding the Federal Credit Card Act, reporting false information against me to a credit reporting agency, & damaging our excellent long held credit history.
XXXX XXXX PM Received a call from CB XXXX XXXX asking why I hadnt made the XXXX payment. XXXX said I now oI CB/XXXX {$190.00} ( {$91.00} late fees & interest ). I gave her the information they already had on file & she said I needed to contact XXXX again that she couldnt do anything about the outstanding balance. He told XXXX he wasnt going to do their job for them and she hung up on him.
XXXX Called XXXX spoke with XXXX. Before I could give her any information XXXX hung the phone up on him.
XXXX I called XXXX back - spoke with XXXX. I could not understand her so she transferred him to XXXX XXXX who transferred him to XXXX a supervisor. I provided XXXX with all of the information that they already had on file. I pleaded with XXXX to resolve this matter once and for all.
XXXX Received an email from XXXX Customer Service XXXX stating XXXX had refunded the return label fee for the clothing that I returned. She wrote Comenity Bank who bills you is able to credit back any interest and late charges that they charged you.
Note : At this juncture I believed the matter was resolved. I thought someone at XXXX had finally done something. I was wrong ...
XXXX Contacted XXXX, spoke with XXXX. Filed an online dispute. XXXX will contact CB/XXXX to correct the mistake within 7 to 10 days.
XXXX Received a credit card bill with additional interest & late fees. Called CB and spoke with XXXX. She transferred me to XXXX in the Collection Department who transferred me to Manager XXXX. XXXX said they have no information about the returned clothing and our account is in collections. I Int over the entire sequence of events and XXXX asked me to send her copies of the XXXX tracking information that Id already provided CB/XXXX representatives. I scanned and submitted the documents directly on their Ibsite that day.
XXXX Received notification from XXXX XXXX that the credit scores had been corrected. CB/XXXX had removed the false missed payment report.
XXXX Received notification from XXXX XXXX that CB had reported a second time to XXXX that our CB/XXXX credit card account was past due in XX/XX/XXXX and I credit score was hit again. They falsely reported I now {$300.00} on the account. I called CB & spoke with XXXX in Collections who transferred me back to XXXX in Customer Care. I asked XXXX why Comenity Bank reported this false information to XXXX when this matter had been in dispute since XXXX when I first reported a problem. XXXX stated Comenity Bank did not place this into dispute until XXXX after it Int into collections. She said they will make a determination within 30 to 60 days from XXXX. CB/XXXX agents completely ignored all of the information Id provided.
XXXX CB/XXXX Reported to XXXX XXXX XXXX that my XX/XX/XXXX payment was 30 days late even though they claimed to have placed the amount into dispute on XXXX.
XXXX CB/XXXX Reported to TXXXX XXXX XXXX that my XX/XX/XXXX payment was 30 days late even though they claimed to have placed the amount into dispute on XXXX.
XXXX CB/XXXX Reported to XXXX XXXX XXXX that my XX/XX/XXXX payment was 30 days late even though they claimed to have placed the amount into dispute on XXXX.
03/20/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NV
89149
Web
Here is an email thread explaining what happened and how the creditor refused to help remove this item from my credit report : Back to Inbox Reply From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
XXXX XXXX XXXX issues your account and responds to all credit related inquiries.
We apologize for any inconvenience you've experienced with your account.
It's our goal to provide superior customer service, and we'll use your feedback to improve our customer care interactions.
Please be informed that your XXXX XXXX Financial account is current and active.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- This does not help answer any questions or my original statement : You failed to address the fact that the address you had BEFORE I had to call multiple and speak to several different office staff at your office, XXXX was one of the reps, that failed to update my address. As you can clearly see I paid it in full as soon as I made contact with your office to find out why I hadn't received billing.
If you fail to assist m, e with getting this derogatory item removed from my credit report I will have no other option than to file a complaint with the FTC for violating FDCPA and I will then file a complaint with XXXX against your corporate office and your local office.
Please advise when you will have this removed.
Thank you This should have never been on my credit report.
Please take steps to remedy your offices mistake before I take the steps noted in previous email by XX/XX/XXXX.
From : You Sent : Wednesday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXX Subject : Re : Credit Bureau Reporting Message ID:XXXX This does not help answer any questions or my original statement : You failed to address the fact that the address you had BEFORE I had to call multiple and speak to several different office staff at your office, XXXX was one of the reps, that failed to update my address. As you can clearly see I paid it in full as soon as I made contact with your office to find out why I hadn't received billing.
If you fail to assist m, e with getting this derogatory item removed from my credit report I will have no other option than to file a complaint with the FTC for violating FDCPA and I will then file a complaint with XXXX against your corporate office and your local office.
Please advise when you will have this removed.
Thank you This should have never been on my credit report.
Please take steps to remedy your offices mistake before I take the steps noted in previous email by XX/XX/XXXX.
From : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX AM ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
XXXX XXXX XXXX issues your account and responds to all credit related inquiries.
Please be informed that the mailing address mentioned in the correspondence has already been updated on your XXXX XXXX account on XX/XX/XXXX.
Also be informed that the derogatory information is reported to the credit reporting agencies only when your XXXX XXXX account falls two billings past due.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- This does not help answer any questions or my original statement : You failed to address the fact that the address you had BEFORE I had to call multiple and speak to several different office staff at your office, XXXX was one of the reps, that failed to update my address. As you can clearly see I paid it in full as soon as I made contact with your office to find out why I hadn't received billing.
If you fail to assist m, e with getting this derogatory item removed from my credit report I will have no other option than to file a complaint with the FTC for violating FDCPA and I will then file a complaint with XXXX against your corporate office and your local office.
Please advise when you will have this removed.
Thank you This should have never been on my credit report.
Please take steps to remedy your offices mistake before I take the steps noted in previous email by XX/XX/XXXX.
From : You Sent : Tuesday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXX Subject : Re : Credit Bureau Reporting Message ID:XXXX This does not help answer any questions or my original statement : You failed to address the fact that the address you had BEFORE I had to call multiple and speak to several different office staff at your office, XXXX was one of the reps, that failed to update my address. As you can clearly see I paid it in full as soon as I made contact with your office to find out why I hadn't received billing.
If you fail to assist m, e with getting this derogatory item removed from my credit report I will have no other option than to file a complaint with the FTC for violating FDCPA and I will then file a complaint with XXXX against your corporate office and your local office.
Please advise when you will have this removed.
Thank you This should have never been on my credit report.
Please take steps to remedy your offices mistake before I take the steps noted in previous email by XX/XX/XXXX.
From : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
XXXX XXXX XXXX issues your account and responds to all credit related inquiries.
We apologize for any inconvenience you've experienced with your account.
It's our goal to provide superior customer service, and we'll use your feedback to improve our customer care interactions.
We provide updated account information to the consumer reporting agencies with each account billing. We send updates to the Credit Reporting Agencies for the accounts that billed during that week, which allows each account to be updated monthly.
If you have concerns about the information or credit score provided by the three primary credit bureaus, you may contact the credit reporting agencies at the below mentioned details : XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- You failed to address the fact that the address you had BEFORE I had to call multiple and speak to several different office staff at your office, XXXX was one of the reps, that failed to update my address. As you can clearly see I paid it in full as soon as I made contact with your office to find out why I hadn't received billing.
If you fail to assist m, e with getting this derogatory item removed from my credit report I will have no other option than to file a complaint with the FTC for violating FDCPA and I will then file a complaint with XXXX against your corporate office and your local office.
Please advise when you will have this removed.
Thank you From : You Sent : Monday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXX Subject : Re : Credit Bureau Reporting Message ID:XXXX You failed to address the fact that the address you had BEFORE I had to call multiple and speak to several different office staff at your office, XXXX was one of the reps, that failed to update my address. As you can clearly see I paid it in full as soon as I made contact with your office to find out why I hadn't received billing.
If you fail to assist m, e with getting this derogatory item removed from my credit report I will have no other option than to file a complaint with the FTC for violating FDCPA and I will then file a complaint with XXXX against your corporate office and your local office.
Please advise when you will have this removed.
Thank you From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
XXXX XXXX XXXX issues your account and responds to all credit related inquiries.
Please be informed that the derogatory information is reported to the credit reporting agencies only when your XXXX XXXX account falls two billings past due.
Also be informed that the mailing address mentioned in the correspondence has already been updated on your XXXX XXXX account on XX/XX/XXXX.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Your XXXX office made a mistake with my address and mailed my bills to my wifes old address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On my first and only visit I provided the office my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the address on mt drivers license they copied.
Due to your offices error, this account has hit my credit report and affected it negatively. I am requesting you please remove this account off my credit report before I have to take additional steps.
Thank you.
From : You Sent : Sunday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXX Subject : Credit Bureau Reporting Message ID:XXXX Your XXXX office made a mistake with my address and mailed my bills to my wifes old address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On my first and only visit I provided the office my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the address on mt drivers license they copied. Due to your offices error, this account has hit my credit report and affected it negatively. I am requesting you please remove this account off my credit report before I have to take additional steps.
Thank you I have still never, to this day, received a statement from XXXX XXXX. I paid my account in full as soon as I saw it was placed on my credit report. I called the office to correct their mistake of the sending mail to an old address of my wife 's but still received no help.
03/28/2019
Yes
Debt collection
Medical debt
Written notification about debt
Didn't receive notice of right to dispute
VT
05839
Web
Older American
This is regarding a {$630.00} credit I should have received from XXXX Bank ( XXXX XXXX XXXX ). Please see below.
From : YouSent : Thursday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX BankSubject : Re : Late Fees or Finance ChargesMessage ID:XXXX Hello, I was specifically told to go through the message center regarding any dispute. Now you are asking me to provide a physical letter that has been explained in a number of emails already. You already have the details. If I do not receive the credit I will contact the Consumer Financial Protection Bureau ( CFPD ) to file a complaint. Thank you Please take care of this matter.
From : XXXX BankSent : Sunday, XX/XX/XXXX XXXXXXXX XXXX ( ET ) To : YouSubject : Re : Late Fees or Finance ChargesMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department XXXX
XXXX XXXX Bank issues your account and responds to all credit related inquiries.
We understand how frustrating this must be for you.
To submit a billing dispute, please write a letter and explain your concern. Include your name, address, account number, and the disputed amount or specific transaction. Please add any information that may help us, and include any sales receipts or other documentation that supports your dispute.
Please send your letter and supporting documents to : XXXX XXXX Bank XXXX XXXX XXXX XXXX, OH XXXX To guarantee protection under the Fair Credit Billing Act, we have to receive your letter within 60 days of the date on the first billing statement with the disputed transaction.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, I'm referring to the {$430.00} charge on my first procedure in XXXX at XXXX XXXX. I talked with XXXX XXXX and provided to you the dates of contract and when the procedure started. I'm asking for a credit of the aforementioned amount because i made all payments on time given the date of when the procedure began. If I do not receive the credit i will contact the Consumer Financial Protection Bureau ( CFPD ) to file a complaint. Thank you From : XXXX BankSent : Sunday, XX/XX/XXXX XXXXXXXX XXXX ( ET ) To : YouSubject : Re : Late Fees or Finance ChargesMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department XXXX
XXXX XXXX Bank issues your account and responds to all credit related inquiries.
I apologize for the confusion this has caused. The account is billed for the procedure when the office representative processes the transaction.
This typically occurs during the application process, usually as soon as you are approved. The finance charges are valid and will remain part of your account balance.
I received your email about your account and noted your account accordingly. Thank you!
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I forgot to mention the resolving charge of {$190.00} which should be credited to my account as well. This, the total credit should be {$630.00}. That is the amount i will be asking the CFPB to have XXXX Bank/XXXX XXXX credit my account. Thank you From : YouSent : Friday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX BankSubject : Re : Late Fees or Finance ChargesMessage ID:XXXX I forgot to mention the resolving charge of {$190.00} which should be credited to my account as well. This, the total credit should be {$630.00}. That is the amount i will be asking the CFPB to have XXXX Bank/XXXX XXXX credit my account. Thank you From : YouSent : Friday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX BankSubject : Re : Late Fees or Finance ChargesMessage ID:XXXX Hello, I'm referring to the {$430.00} charge on my first procedure in XXXX at XXXX XXXX . I talked with XXXX XXXX and provided to you the dates of contract and when the procedure started. I'm asking for a credit of the aforementioned amount because i made all payments on time given the date of when the procedure began. If I do not receive the credit i will contact the Consumer Financial Protection Bureau ( CFPD ) to file a complaint. Thank you From : XXXX BankSent : Friday, XX/XX/XXXX XXXX XXXX ( ET ) To : YouSubject : Re : Late Fees or Finance ChargesMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
XXXX XXXX Bank issues your account and responds to all credit related inquiries.
I am happy to assist you today. When making a payment it is divided among the balances on the account. You currently have a deferred interest plan that expires on XX/XX/XXXX. You also have a revolving balance on the account in the amount of {$190.00} that is subject to finance charges each month that the revolving balance is not paid off in full. If additional purchases are made on the account and are not on a deferred interest plan, those purchases will be subject to monthly finance charges. The finance charge is valid and will remain part of your account balance.
The payment is divided with a larger percentage going to higher interest rate balances. To pay the revolving balance in full so that all that remains to be paid is the deferred interest plan, you would need to pay the total balance of the revolving in the amount of {$190.00}, plus at least the total minimum due for the deferred interest plan in the amount of {$17.00}, for a total payment amount of approximately {$210.00}. Each plan has to be satisfied. Once the balance on the account from the revolving balance is paid in full, there will only be the deferred interest plan balance on the account remaining to be paid. Thank you!
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, i just talked with XXXX XXXX. The credit app was signed XX/XX/XXXX and the procedure did not begin until XX/XX/XXXX.
Therefore i should not have been charged interest for the procedure since i made payments within the required timeframe. Thank you and please reimburse my account.
From : YouSent : Wednesday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX BankSubject : Re : Late Fees or Finance ChargesMessage ID:XXXX Hello, i just talked with XXXX XXXX . The credit app was signed XX/XX/XXXX and the procedure did not begin until XX/XX/XXXX. Therefore i should not have been charged interest for the procedure since i made payments within the required timeframe. Thank you and please reimburse my account.
From : XXXX BankSent : Wednesday, XX/XX/XXXX XXXX XXXX ( ET ) To : YouSubject : Re : Late Fees or Finance ChargesMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
XXXX XXXX Bank issues your account and responds to all credit related inquiries.
We apologize for any confusion this may have caused. The 18 month deferred interest plan expired on XX/XX/XXXX. The balance is transferred from the promotional balance to the revolving balance. You will see the first debit in the amount of {$430.00}, for when the accrued finance charges are charged and then a credit to remove the charge from the promotional balance. The second debit is from when the accrued finance charges are added to the revolving balance. The charge for {$190.00} is the remaining balance on the plan and it was transferred to the revolving balance as well. The revolving balance is subject to finance charges each month the balance is not paid in full. Each statement provided the plan information as well as a reminder that the balance will need to be paid in full by the expiration date to avoid the finance charges. For better assistance, you may reach us by phone at XXXX.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, I talked with XXXX XXXX regarding the No Finance 18 month plan I began in XXXX. The promo plan was signed on XX/XX/XXXX. The beginning treatment date was XX/XX/XXXX. I made my $ 90 monthly payments on time with one inadvertent exception. At the end of the promo period I was charged all finance fees since it was considered late. I am requesting a refund on finance since I made all payments on time with one exception and because I was charged before procedure began.
From : YouSent : Monday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX BankSubject : Late Fees or Finance ChargesMessage ID:XXXX Hello, I talked with XXXX XXXX regarding the No Finance 18 month plan I began in XXXX. The promo plan was signed on XX/XX/XXXX. The beginning treatment date was XX/XX/XXXX. I made my $ 90 monthly payments on time with one inadvertent exception. At the end of the promo period I was charged all finance fees since it was considered late. I am requesting a refund on finance since I made all payments on time with one exception and because I was charged before procedure began.
07/11/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NJ
07091
Web
I am XXXX XXXX, and the author of this complaint.
Please note that although this account has been disputed the tradeline is not marked as such with the CRAs, and as it should be.
This is not and has never been, a request for Validation of Debt ( referred to as VOD ). I do not and have not asked for any VOD documents. Instead, this complaint has always been about FCRA and FCDPA and your responsibilities as a Data Furnisher and the ONLY Creditor tied to this tradeline, and as the Original Creditor ( owner of this record ).
Please REPORT any clarity you would then like to draft a letter for, and this is what the complaint is about.
This complaint includes the CRAs, for now XXXX and XXXX. All I have access to is the result of whatever you all are doing/not doing, the gap in my space is that I neither produce the file, nor am I the end system/recipient of the data in the integration/file.
This complaint is long detailed and tied specifically to the data elements existing within my credit report ( s ) and its compliance with Metro2 Guidelines and that of Data Accuracy with the CRAs, FCRA.
I will say if it is happening to me, its systematic CFPB, and then happening to all customers with an adverse account.
There is an Original Complaint with Comenity including XXXX, and the ID is XXXX. That complaint was created because of missing data on this tradeline, and inaccurate data. This current complaint is with XXXX ONLY.
Each additional Comenity Creditor/Lender/Original Creditor/Credit Grantor Tradeline on my report, will be communicated distinctly and then with its own complaint.
Your response to the original complaint is posted below.
We're no longer the creditor on the accounts. Contact information for the new creditor is included in the uploaded response letter. We decline to delete the accounts from the credit report. Weve verified were reporting the accounts correctly to the credit reporting agencies. Were required to report factual information.
Thank you for that response.
You also attached responses, one of which is attached as XXXX XXXX-Final Response CB ( 1 ) Added XXXX CFPB, a section of it is pasted below.
Were reporting the accounts correctly, as required by law. Weve verified that were reporting the correct information regarding account closure dates, first delinquency dates, account number, payment history, date of last activity, etc. Additionally, although the accounts are closed, we do advise the credit reporting agencies of the credit limit on the account. For more information on how the credit reporting agencies may reflect this information, or general questions about information in your credit report, please contact the credit reporting agencies by using the following information : Comenity ( Original/Only Creditor ) - I am relying on the FTC rules that govern you, as a both the Original Creditor/ Lender and Data Furnisher on this tradeline.
FTC Site Definition of Debt Collector/Creditor https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text You will want to refer to section 803. Definitions ( 6 ) and ( 4 ) And then, ECFR, governance on your responsibilities are defined here.
https : //www.ecfr.gov/cgi-bin/text-idx? c=ecfr & SID=89d50ede6e4072bde4d4a944a89bd200 & rgn=div5 & view=text & node=16:1.0.1.6.77 & idno=16 # se16.1.660_13 Few things of note with this complaint and then the response provided by Comenity.
1. There is an absolute and then compliant difference between a Creditor/Lender/Credit Grantor and a Debt Collector 2. You Comenity, are both the Original Creditor and then, the only Creditor associated with the account. Your responsibilities as a Creditor, remain.
3. Whoever you sold this account to becomes the Debt Buyer/Collector. See definition of a Debt Collector/Buyer 4. You are the Data Furnisher for this Tradeline and YOU are reporting data to this Tradeline and have created its current state.
5. Your last reported date on my report is XX/XX/XXXX.
I am attaching, as screen shots, and from many sources including raw credit reports from the CRAs themselves for your tradelines.
Comenity, said in their original response : Weve verified were reporting the accounts correctly to the credit reporting agencies. Were required to report factual information.
And Weve verified that were reporting the correct information regarding account closure dates, first delinquency dates, account number, payment history, date of last activity, etc. Additionally, although the accounts are closed, we do advise the credit reporting agencies of the credit limit on the account Thank you for providing and then acknowledging your commitment to accuracy, and then the data you sent/send to the CRAs.
Comenity/Creditor/Original Creditor, is reporting this Tradeline To XXXX, sourced from a XXXX as a raw Credit Report ( directly from the CRA, not online report ) XXXX, that results in this, see attached as : XXXX Comenity XXXX In Comments, Comenity reported Purchased buy another Lender - Paid in FULL Was Charge OFF, Question is it Paid Off? If so, how was {$0.00} sold?
No account can exist with a Pay Status of Charge OFF, if it has been Paid off, as per Metro2 guidelines. Yours- does, and then contradicts itself.
Your Pay History is now NULL/Blank ( XXXX communicated they sent/send it ) Its filled with X from the accounts inception.
X is UNKNOWN Attached as XXXX Pay Rating That 30, 60,90 day late etc is not reported.
Last Payment made XX/XX/XXXX, How much? What then became the balance?
What accrued from that date?
There is no Pay History/Rating There is no Balance History Your last reported date is XXXX 2 years of all were within your systems to report its history.
Lacking a complete and accurate Tradeline what is the Date of First Delinquency ( DOFD ), you Comenity REPORTED?
I then, dispute the FCRA DOFD and based on your reporting in this incomplete and inaccurate Tradeline. I also assert this tradeline is both incomplete and inaccurate.
Then another source, You, Comenity/Creditor are reporting this Tradeline at XXXX XXXX attached as : XXXX XXXX XXXX 2 XXXX, and XXXX XXXX XXXX XXXX XXXX 1. Last Payment made XX/XX/XXXX 2. For what charges?
3. Where is the Balance History?
4. Where is the Pay History/Pay Rating?
5. Remarks/Comments do not match whats on XXXX raw report.
6. Because there is absolutely no history XXXX is saying that there is no Late Payment History XXXX Raw credit report from XXXX Attached as XXXX Comenity XXXX 1 and XXXX XXXX XXXX 2 1. The Account Number is NULL, or Blank on the raw credit report, XXXX from XXXX 2. This Account Name states that this account is CLOSED 3. This account then lacks a Closed Date?
4. What is then Reported, as the Date Closed?
5. This Tradeline is then also reporting Available Credit, when this value is diverted, to a field called High Credit when an account is CLOSED as per Metro2 definition 6. The Pay/Ratings History is BLANK 7. The Balance History BLANK 8. Please ensure the Balance History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 9. Please ensure the Pay History, is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 10. Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported, for repayment and on a closed account.
11. Creditor Classification is Unknown and should not be, please assign a valid value.
12. Date of First Delinquency neither is not supported by the PAY/Rating history nor the Balance History.
13. I therefore dispute the FCRA/DOFD Date 14. There is then no Charge OFF Amount 15. Again DATE CLOSED is Blank XXXX XXXX XXXX XXXX XXXX Comenity XXXX 2 XXXX Online credit report from XXXX Attached as XXXX XXXX XXXX XXXX Comenity XXXX 2 and XXXX - XXXX XXXX Comenity XXXX This Account Name states, and then stores the account as CLOSED This account then lacks a Closed Date?
What is then Reported, as the Date Closed?
This Tradeline is then also reporting Available Credit, when this value is diverted, to a field called High Credit when an account is CLOSED as per Metro2 definition The Pay/Ratings History is BLANK The Balance History BLANK Please ensure the Balance History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete Please ensure the Pay History, is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported, for repayment and on a closed account Creditor Classification is Unknown and should not be, please assign a valid value.
Date of First Delinquency neither is not supported by the PAY/Rating history nor the Balance History.
I therefore dispute the FCRA/DOFD Date There is then no Charge OFF Amount Again DATE CLOSED is Blank This complaint demonstrates the data issues between Comenity and then the CRAs.
This is not my battle, unless it goes to court.
The Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out. XXXX in theory verifies the true expected results Comenity is saying is acceptable.
Fix the tradeline, to ensure Comenitys goal is attained or delete it.
05/20/2019
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
VA
23059
Web
I am requesting an investigation into Comenity Bank and Comenity Capital Bank including a full review of their business practices and audit of other customer complaints like mine against their company. One morning I received multiple emails telling me that my credit limits were being drastically decreased on my accounts ( the limits were reduced to well below my current balances at the time ), and just minutes later, I received multiple emails on the same accounts telling me that my credit limits were increased to just at the credit limits, and right after that I received another email saying that my credit limits were decreased again across my accounts. It was clear that these actions were being performing manually by a live person working with my accounts. This time the limits were taken down to a point where even with making my minimum payments for the accounts, the interest charges alone on the following months statements would take me into excessively overlimit statuses on each of my accounts. After seeing the same process repeated on each of my accounts with Comenity, I contacted them immediately because I was shocked and absolutely could not believe that any financial company would so brazenly launch an abusive financial tactic on any customer. I called and expressed my concerns regarding each of the actions taken by Comenity across each of my open lines of credit ; and explained via the secure message center, as well as by phone again, and I wrote them regarding my concerns. I explained to them that their actions were abusive practices and I needed immediated resolution to avoid having the accounts report as excessively over the new credit limits. Upon further review, it is now my understanding that is a common business practice that Comenity inflicts on thousands of customers. I explained to each of the representatives that would not have been able to make a quadruple payments for each of the accounts to shield myself from their flagrant disregard for what constitutes as an abusive practice and try to get ahead of the next abusive tactic from Comenity.
After ceasing to make a payment and being told by their representatives for about 3 months that they would not consider restoring the limits and simply canceling charging privileges ( a request I made because all of my accounts were being reflected at 120 % to 140 % credit utilization due to their initial set of abusive actions towards me ), I sent them a letter for this account further detailing my concerns in an effort to connect with someone who would realize that this abusive to me as a customer. Approximately 3 weeks after I sent them that correspondence to both XXXX XXXX XXXX and XXXX XXXX XXXX ( addressing both the Comenity Bank and Comenity Capital Bank entities ) I checked my credit reports and Comenity had updated all of the accounts to pays as agreed and current although the last payment date never changed because I had NOT in fact made a payment since notifying them of their abuse and requesting assistance with a resolution that did not involve reporting me to be grossly over 100 % of my credit lines because of the person who sat working my accounts and cut the limits to under the balances. I have reached out several times by mail and Comenity never provided a valid response to my concerns. They flooded my mailbox with bills and letters of adverse action to the point where I couldnt even get regular mail because my mailbox was full. I received countless text messages and phone calls requesting payments, but no one would discuss the issues I had written in about. They told me that they havent received any correspondence on the accounts and that the late payments and interest were going to compound. Based on each of the credit bureaus reporting these accounts for the past year, FOR OVER 12 months every 30 days to 120 days, Comenity removes the late payment history, and updates each account to current and pays as agreed and then sends a past due report to the credit bureaus to bring my scores down. Every month for the last 12 months Comenity tacks on hundreds of dollars in fees/interest and and at the 60 day to 120 day mark they update all the accounts to past due in order to inflict significant damage to my credit scores and then they use this form of intimidation to threaten and abuse me as a customer. Additionally, they CONTINUE to FURTHER reduces the credit lines in order to aggressively report an excess credit utilization ratio to drive my credit scores down further thus making it fully impossible for me to obtain a consolidation loan to stave off a bankruptcy. I have to rely on support from my family now. While this has all happening, my mailbox is filled with hundreds of letters from them, I dont even go to my mailbox anyone, their text messages to me became more and more deceptive and aggressive, and in one day alone received in one day alone over 30 phone calls. In some instances my call records reflect 6 separate calls within a span of 4 minutes. A woman named XXXX from Comenity was particularly deceptive in her voicemails and Im deeply concerned that this kind of intimidation abuse and harassment is allowed. Comenity even went so far as to update the payment history on multiple past due accounts in order to sell the debts as current to other servicers ( and Im not the only person theyve done this to ). In regards to my communications from Comenity I have several phone records, text messages, voicemails and litany of mailed correspondence 's from Comenity reflecting the issues outlined in this complaint. The credit bureaus Comenity reports to continue to allow Comenity to report false information for my accounts as well as the accounts of several other customers with experiences identical to mine. When I contacted the credit bureaus involved regarding their reporting practices of false information and the ongoing reporting of payment history rollbacks in order to cause further abuse with additional fees and increased interest charges, I was told that I needed to contact the creditor first to attempt resolution. The credit bureaus themselves have no systems setup to detect this kind of abuse for customers credit reports. When I wrote to Comenity requesting an explanation of their credit reporting practices, I never received a response ; only further aggressive debt collection efforts and a continuation of the payment history rollbacks, penalty fee assessments, and the same further reduced credit limits on top of the already lowered credit limits, on already grossly overlimit accounts due to their manual actions. The astonishingly deceptive and abusive business practices that I was writing them about, is exactly what they continue to do to me. I have reached the end of my rope and I have no idea what to do. Like other customers adversely affected by Comenity, I am appealing for an investigation into Comenitys business practices. I have exhausted my efforts. Due to my lack of any monetary assets or property, the settlement requests outlined in my request for resolution were sent to BOTH Comenity Bank and Comenity Capital Bank by my father in his attempt to resolve these accounts on my behalf prior to my current personal relief effort across all of my obligations ( personal, auto, etc ) via an intended Chapter XXXX bankruptcy filing. We are attempting to resolve the issues with Comenity instead of including them in a future Chapter XXXX filing for myself. I submitted follow up copies to BOTH Comenity Bank and Comenity Capital Bank as well and neither of us have received any response back from the Comenity. The following addresses each received ( 2 ) copies of the settlement requests ( one from my father and an additional copy from myself ), XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX CARD XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX CARD XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX CARD XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX. The requests contained all the information needed to identify the accounts in question and the settlement requests based on the balances at the time of the requests. Time has passed since providing them with the original settlement offers. Significant additional fees and interest charges have been tacked onto the accounts, and the balances continue to grow excessively due to Comenitys violation of regulatory laws and abusive practices. I have enclosed updated terms based on the most current balances reflected on my credit reports. These amounts are the final offers being extended on my behalf prior to including these accounts in my future Chapter XXXX bankruptcy filing and escalating an investigation to the FTC of my experience and the experiences of others with Comenity. Each of the settlement payment offers must be agreed to in order to resolve this matter. Each settlement payment will be remitted to Comenity on my behalf immediately upon acceptance of all of settlement offers.
12/29/2020
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
MA
01062
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX. XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, PA XXXX Consumer Financial Protection Bureau FTC Online Dispute Processing DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
VALIDATE TIMELINE LEGITIMACY OF EACH ACCOUNT POR REMOVE PERMSANENTLY!
XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) COMENITY BANK/BONTON ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
09/13/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
ME
04555
Web
Older American
Complaint against Comenity Bank and XXXX XXXX Master Card On XXXX XXXX, XXXX the final day of my XXXX to the XXXX Land with the XXXX XXXX of Maine XXXX fellow travelers and I took a private tour with local guide XXXX XXXX XXXX XXXX XXXX. XXXX of the women in our group asked XXXX if he knew of a jewelry store where she could purchase XXXX cross. XXXX indicated that yes he did and agreed to take us to the store, XXXX & XXXX Gift as the last stop on our tour before taking me to a meeting of the XXXX XXXX XXXX and my friends back to our lodging at XXXX XXXX XXXX XXXX.
Due to heavy traffic our arrival at the shop was delayed thus XXXX arranged for his brother, a local taxi operator, XXXX XXXX me to the XXXX meeting. Meanwhile I explored the shop and made a purchase, as well as paying for the tour, XXXX separate transactions on my XXXX card. My ride still had not arrived so I looked on as the store owner displayed a new set of cross pendants to my fellow travelers. XXXX made from rose gold caught my eye. I tried it on, negotiated a price that, although stretching my budget, was workable. For this purchase I tried to use my XXXX XXXX XXXX credit card. The charge came up as denied on the vendors credit card machine even though I knew that there were no issues with my credit or credit card. So at this point not knowing why the card was denied I once again used my XXXX credit card. The purchase was approved, a receipt was generated and signed. I have the customers copy of this receipt XXXX attached ). The transition took place at XXXX pm. By then my taxi ride to the XXXX meeting had arrived so I grabbed both of my purchases, waved good-bye to my friends leaving them to make their purchases and rushed from the store and headed to the XXXX meeting.
I was shocked when I received my XXXX XXXX XXXX XXXX XXXX bill and saw a charge for {$2100.00}. The amount of the charge that was denied in my presence and the same amount that I subsequently charged on my XXXX credit card.. I immediately called customer service and questioned the charge. I was told that yes initially the charge was denied but ultimately approved. At this time I was told that I could dispute the charge which I did. I 've attached a copy off the original dispute filing.
I also e-mailed XXXX asking that he speak to his friend at XXXX & XXXX Gift in XXXX regarding the duplicate, second charge ( samples of correspondence attached ). The response from the vendor was that only XXXX charge for {$2100.00} was processed. Please produce the second receipts, which I could not do because I only had a copy of the XXXX receipt, the only XXXX that I signed. I do have the XXXX credit card statements, XXXX and XXXX, reflecting the XXXX identical {$2100.00} charges for the same purchase. The XXXX bill, reflecting the legitimate charge, has been paid. In fact XXXX e-mailed me to ask if the charge was legitimate. My XXXX XXXX XXXX through Comenity Bank did not.
My Comenity Bank claim was denied because the Comenity Banl/XXXX XXXX dispute department was able to contact the merchant, XXXX XXXX XXXX XXXX, who produced a copy of a XXXX XXXX XXXX receipt that I had never seen nor signed. The receipt was printed at XXXX PM after I had left the shop. The signature although similar to mine had been forged. If you look at the signature on the XXXX receipt, although appearing to be a scribble it is XXXX fluid motion. The forged signature on the XXXX receipt is not mine. It has been traced using the signed XXXX credit card receipt. The middle portion is very different from my signature, an add-in using a second motion.
When I received the charge dispute denial I once again called customer service and was told that I could, based upon the forged receipt, file a fraud claim, which I did XXXX see attached ). This claim was denied as well. Resulting in another call to customer service. The rational for the denial was that I had presented my credit card to the vendor and thus even though the card was initially denied, the charge ultimately went through and the vendor had a right to be paid. The person I spoke with indicated that such reversals happen on a regular basis and that I was lucky that it ( such a reversal ) hadnt happened to me before! My only recourse at this point according to the person in the Comenity Bank XXXX department was to take store to court. The person made me, their customer feel as though I was the XXXX committing a crime, not the merchant who was paid twice for the same purchase by XXXX separate credit card companies. Once by XXXX and then by XXXX. As you can see from the attached documents I paid my XXXX bill in full. I still have not paid the XXXX XXXX XXXX bill. I did not as they contend come back to XXXX XXXX XXXX XXXX and make a second purchase for the same item a second time.
The conversation was very unsatisfactory. How was I the customer and XXXX XXXX XXXX holder to know that a charge which was denied in my presence would be approved after the fact? I was in a foreign country without a telephone so there was no way that a member of the Comenity Bank team could have contacted me via the telephone to ask if the charge was legitimate. During XXXX of my conversations XXXX of the customer service representative did indicate that a call had been made and approval granted. I live alone. The answering machine was not on at my home so there was no way for a member of the Comenity Bank team to have spoken to someone at my residence or to have left a message. No e-mail was sent asking if the charge was legitimate. I do not have a cell phone, so once again a call could not have been made that way either.
Before leaving the XXXX I had called XXXX Creeks customer service number to alert XXXX that I would be traveling internationally. Comenity Bank contends that because I had let them know that I was traveling internationally there was no reason to question a charge, even on that was much larger than anyone I had ever made before.
Since our conversation was going round in circles the person in the fraud department transferred my call back to the dispute resolution department. At this point the suggestion was made that I file another charge dispute which I did asking the dispute resolution department to please once again review the materials and investigate the second, after the fact, foraged XXXX XXXX XXXX receipt. As one can see by the attached documentation Comenity Bank refused to review my second dispute claim. They have now referred my case to the Comenity Bank collections department. Each Saturday I receive an increasingly threatening call seeking payment for a purchase I did not make. The last call indicated that failure to pay would result in their looking into my employment and financial status. As a result of this dispute my consistently stellar credit rating XXXX 's has dropped to XXXX.
After receiving a copy of the second forged receipt from Comenity Bank I attempted to recontact XXXX the tour guide via e-mail. My e-mail messages with the second forged receipt attached have been met with silence.
Thank you for your assistance.
I have not used my XXXX XXXX XXXX since this unauthorized transaction took place. I do not feel safe using /my Comenity Bank XXXX XXXX a card, where a charge can be denied and then approved without their customer/consumer knowing that the reversal has been made. This process that gives a vendor/merchant the opportunity to print out a receipt and to forge the customers signature by copying the signature from another charge does not make sense. In fact, XXXX 's fraud department indicated that because I had provided the vendor/merchant with my credit card, even without my signature the transaction could have and would have been processed. From this statement XXXX can infer that anytime I, in good faith hand my Comenity Bank XXXX to a vendor the vendor can add a purchase after the fact and I will be held responsible for the payment by the fact that I gave my credit card to that merchant. What happened to consumer protection? Certainly in this case their consumer was not protected.
Due to your file size limitations I was not able to upload my entire Comenity Bank dispute resolution file which contains all of my documentation and correspondence with and from Comenity Bank. Please let me know how I can forward all of the paperwork to your attention. Thus I have just included the credit card statement, original and forged receipts as well as an example of my correspondence with the tour guide and Comenity Bank 's denial letters. Attempts to speak with the people who signed these letters were rebuffed. No such person or persons!
06/12/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Credit monitoring or identity theft protection services
Problem with product or service terms changing
IL
60620
Web
I luckily got approved for a credit card with bon tons, previously reported unregestered doing business n fraud '' as XXXX XXXX, at XXXX XXXX XXXX, .I reported previously, XXXX vs XXXX XXXX, XXXX all dez, XXXX XXXX XXXX crooks that the cards are, I mean the banks are guilty of. A " Rico '' fraud scam.XXXX XXXX from my first day of getting approved has been getting paid by me cash at the location, actually a few times I paid '' at least 1time I recall n did n't get a receipt.regarding paying my bill.I was instructed to pay my bill each month something on it before the billing cycle because that 's wat gets reported '' XXXX XXXX has deliberately during sales periods which I 've reported failed too keep ( 1 ) computers from crashing " ( 2 ) XXXX XXXX has allowed people over the phone at their private '' homes way out of pennsylvania, n many other areas, too maintain n store our card # ' $ some kind of way because the " rerunning '' of the card actually was recharging '' the card billing for non " received '' items or products I never got, that never went through "! ( 3 ) I HAVE NEVER MISSED A PAYMENT N MY CARD AFTER 3 CASH PAYMENTS UPGRADED IMMEDIATELY! XXXX FAILED TO UPGRADE MY ACCOUNT BALANCE VERY ACCURATELY AND TIMLEY, ( 4 ) XXXX INTENT '' WAS TO DEFRAUD ME N IT HAS N DID ''! ( 5 ) XXXX DID N'T CREATE ANY CUSHION ROOM NOR DISCLOSE TO ( ) ME ) A IDTHEFTVICTIM '' THAT THEIR COMPUTERS DELETED, SPOILAGED HAD ERASED, FAILED TO KEEP UP EACH '' IN STORE PAYMENTS ONE AT JEWELRY STORE WITH MY CARD ,1AT PERFUME counter ONE UPSTAIRS ETC, SOMETIMES I EVEN " DOUBLED-UP, XL '' PAYMENTS " BEFORE MY BILL ON THE XXXX XXXX YET, ON ORDERS LIKE WITH XXXX , OUT OF PENN , XXXX XXXX XXXX XXXX, CONSTANT ATTEMPTS, N DECLINED EVEN FOR SHIRTS ETC, '' TOLD '' ITLL PROCESS N PUT BACK ANYTHING IT MAY HAVE APPROPRIATED, '' OF COURSE THE OBVIOUS OCCURING OF THIS DID N'T HAPPEN BECAUSE THIS " SILVERCARD '' -2CARD'RIGHT BEFORE MY BIL STATED I WENT {$2.00} OVER, '!!!? YET I LEARNED THIS DURING A STORE PAYMENT VISIT N XXXX, N XXXX NEVER TOLD, CONTACTED, PROMPTLY, WROTE ME TO ADVERT ME OF THIS AT ALL TO DEVISE A FRAYDULENT, BUMP TO MY CREDIT AND TOO CAUSE ME BALANCE AMOUNTS AVAILABLE ACCURATELY TO N ON THESE CARDS, ( 6 ) I ACTUALLY ON SEVERAL TIMES IN PERSON AT STORE AND ON CALLS N N WRITING WAS TOLD AT PERIODS DURING ALL THIS N DURIMG GETTIMG MY NEW CARD THAT I HAD-700 $ + AVAILABLE WHICH VIOLATED SECTION-806-807 OF THE CODES UNDER TITLE 15- $ '' AND ONE-TIME TOLD I HAD LIKE XXXX-XXXX $ a available ( mind u I had been paying my bill '' )! yet lil things like for a shirt, or for socks underwear sales periods being lured by XXXX XXXX online with fraudulent scammy as '' here 's a coupon on us " scheme I was forced to shop etc, just 2days ago I played {$42.00} on my card n person at location, XXXX XXXX is GUILTY A XXXX FOR VOILATING THE " '' truth n lending '' statutes and MuSt be PUNISHED! XXXX IS GUILTY OF FAILURE INTENT TO " HOLD BACK PROMPT APPLYING THE PAYMENTS DUE TO MALWARE N IN ABILITY WITH ITS COMNETY BANK SWINDLERS 'TO CONNECT FROM THE UNREGESTERED STORE THE PAYMENTS RIGJT AWAY TO KEEP CUSTOMERS N DARK N BLIND THEIR CREDIT BUFFERING '' RESTORING " OR ANY CREDIT HELPING BY CUSTOMER LIKE XXXX WHO ARE ALWAYS AHEAD OF GAME SO MY CREDIT WILL N SHOULD HAVE REFLECTED THIS BY NOW " INSTEAD THEIRS BEEN WRONGFUL DISHONOR, N WRONG AMOUNTS QUOTED'BY WORKERS AT XXXX CAUSING MILLIONS OF CUSTOMER TOO GO OVER LIMITS ETC ''! ( 7 ) XXXX ILLEGAL BAIT '' N SWITCH '' FRAUD SCAM ALSO PURPORTS THAT U GETTING A DEAL '' BUT.. '' ITLL REFLECT AND BE APPLIED 'RETROACTIVLY '' N WILL SHOW IN BILLING STATMENT, THEIR MISSING THE PAYMENTS CAUSED MY BILL TO GENERATE MY CREDIT TO BE WRONGFULLY AFFECTED THANKS TO THEIR SCAMS N SCHEMES, WHICH IS WHEN A NEW ''! CARD CAME WITH IN WRITING '' A NEW amount AVAILABLE! THEY FALSELY NEVER ( UNTIL I CALLED TJEM OUT ON IT SAID IT WAS THE SAME ACCOUNT '' NOR DID THE DOCUMENTS SAY I HAD XXXX $ AVAILABLE IT SAID I HAD 700 $ + AVAILABLRLE EVEN ON CALLS, ( 8 ) XXXX IS DOING THESE SCAMS DECEIT TO PLACE, KEEP CUSTOMERS ONEWAY OR ANOTHER IN DEBT AND SPENDING, XXXX HAS PLACED A RACIST VERY INTRUSIVE POLICY IN TO PLAY AT STORES ALL '' THEY GOT A ILLEGALS ASKING REQUESTING AT XXXX XXXX N OTHERS N SUBURBS WORKING THAT " I CAN LOOK U UP BY SOCIAL WRITE IT DOWN ''! N THEIR SCREENS U INPUT IT NOT SAFE, ( 9 ) XXXX DENYS ADA COMPLIANCE ON INTERNET BY NOT WORKING, LISTING FAKE JEWLRY ONLINE EXPENSIVLY, N SHOWIMG SMALL PICTURES OF GOLD ETC LABELLED '' COATED ETC BUT IRS NOT TELLING N CONSPICUOUS WORDS THE GOLD IS FAKE AT ALL ''! PHONY ' ( 10 ) XXXX FALSELY N STATMEMTS MAKES REMARKS THAT " THEIRS XXXX AVAILABLE - ( EVEN AFTER CARD UP GRADE PAYING {$2.00} THE ALLEGED FALSE BASED IN THEIR MALWARE COMPUTER VIRUSES INCONSISTENCY ' ) WHICH I PAYED {$5.00} {$3.00} MORE THEN CAME BEHIND THAT WITH XXXX $ OR SO, - SO NATURALLY MY XXXX AVAIL SHOULD HAD CHANGED to! XXXX INFACT TWODYS/AGO'-TOLD AT REGISTER THAT I HAD XXXX AVAILABLE.SOME XXXX LADY IN CALL CURSED ME WHEN I CALLED COMETYBANK, AND STATED THAT '' WAT U THINK BAL JUST GON NA GO AWAY ''! REFUSING MANAGER SUBSEQUENT TO XXXX REPORTING THEM TO FTC.GIV AND TO CFPB CFPB HAS XXXX XXXX XXXX XXXX XXXX Up! MY EMAIL N WELL DEAL WITH THAT N A FEDERAL FOR NOW I WANT XXXX FINED BIGTIME FOR ALL CREDIT CARD RIGHTS ( LIKE XXXX ) NONDISCLOSURE N WRITING FRAUD, FOR SCANDALS VS CONSUMERS WITH A XXXX ME! FOR NONAPPLYING PAYMENTS LATE PROCESSING IT WITH MALWARE CRASHED WONT BOOT SYSTEM COMPUTERS WHICH LEADS, LED TO CONNECTIVE CARD ISSUES WIT A BANK IN A ANOTHER STATE MAKING IT IMPOSSIBLE TOO HAVE A accuracy ACCOUNTING OF OUR CHARGE CARDS BY SUCH SCHEME OF THEIRS ENTIRELY I WANT TO SUE XXXX N FEDERAL COURT BUT HAVE XXXX DOLLAR CASES PENDING AND CANT MESS THEM UP! ( 11 ) XXXX XXXX is guilty of this with each customer, while luring with their fake-as-coupons '' n scheming '' for shoppers n upgrading, its failed to UpGrade their computers promptly applying payments at store, .interesting XXXX XXXX also has refused payments with other methods which inconveniences people n Illinois with XXXX XXXX yes I 'm Angry as etc! like a check or a, alternative debit or credit cards only cash or your charge or social # in These Day n times.! I 'm puzzles when I use my XXXX XXXX bonton, card swiping making payment at the store, opposed to social inputting to pay at store, why 's it not generating in 3months to its customers a total " PRINT OUT OF ALL TRANSACTIINS, HISTORY, PAYMENTS? BECAUSE XXXX XXXX IS A CROOK UNDER COMNETY BANK N VIOLATIMG SEVERAL BANKING LAWS ETC, ( 13 ) XXXX XXXX IS ALSO GUILTY OF FRAUD SCHEME " RICO '' ITS VERY PREDICATED ACT ( $ ) BY FAILURE TO REFUND OR CORRECT REFUNDS SUBTRACTING IT FROM THE CARD N FROM HOW THIS IS GOING THE DISCOUNTS WERE SUPPISD TO BE GETTING ACTUALLY MIGHT NOT BE GETTING AT ALL IM SEEING FULL CHARGES ON MY CARD N THATS FRAUD N A CRIME CUZ RECEIPTS reflected a Much different cost, itemization, bill, payment, charge/cost history n this is serious because it deals with charges, credit and misleading availability n processing methods by the store which is injurying monetarily its XXXX old n XXXX " NOTKNOWIMG'CUSTOMERS RESPECTFULLY .LIKE EXAMPLE SUIT SALES,50 % OFF+ADDITIONAL THIS N THAT, ONLINE ALLEGED FINE JEWLERY ,59 % + THIS N THAT BUT THEN BILLING GENERATES N IT APPEARS TO ABSORBED ALL AVAILABLE (? ) ALSO COMPUTER CONTRIVED FRAUD PITCHES '' TO SCAM, OVER COST CHARGE ITS BUSY CONSUMERS N ILLINOIS OF ALL STATES OUT OF CASH! .I SHOULD HAVE THE FALSELY PURPORTED XXXX $ AVAIL BUT I DONT, I SHOULD BE STILL ABLE TO SHOP BUT MY CARD ONLINE INSTORE DISSALLOWS ME.MAYBE FOR MY REPORTING.RETALIATION USC -42-122O3 IS A SERIOUS OFFENSE ASK XXXX, XXXX N XXXX XXXX XXXX .CREDIT CARDS ARE USEDWITH NO ID LOTS OF TIMES THESE R TOO SERIOUS OFFENSES BY BONTONS XXXX NONDISCLOSURE TO government OF A BREACH WHICH ( " I DID A DAY BEFORE NATIONAL TV EVEN KNEW OF IT ) I REPORTED IT TO FTC NEXT DAY USA WARNED ANNOUNCED IM OWED A reward n for so many yes of XXXX XXXX XXXX XXXX XXXX'with these documenting I 'm owed a reward n so XXXX XXXX u owe me a `` IDTHEFT victim WRITEOFF ''! If cfpb do n't act I 'll have them cut severely! For proof see the following item numbers when I track an order with my girl XXXX and Pennsylvania and I do n't have any complaints against any workers at the store ( XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX, @ ll denied, I want them
02/18/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
MS
38655
Web
On XX/XX/XXXX, I received an offer to open a XXXX XXXX credit card ( managed by Comenity bank ) which advertised a promotional offer of 6 months 0 % APR. This was offered when I purchased directly from XXXX XXXX online, and I accepted the offer to open this XXXX credit card in order to complete the purchase. The total amount was {$640.00} on XX/XX/XXXX. This was reflected in my first statement, dated XX/XX/XXXX, with a due date of XX/XX/XXXX. I made three additional purchases during the next billing cycle ( XXXX {$40.00} ; XXXX {$53.00} ; XXXX {$28.00} ), totaling {$120.00}, and made a payment towards the total balance of {$150.00} on XX/XX/XXXX. The statement I received on XX/XX/XXXX reflected this, and it also indicated no interest or fees were charged ; the balance at the time was {$610.00}, which was correct. I made no other purchases and made a payment of {$100.00} on XX/XX/XXXX, well before the due date indicated. However, the next statement ( dated XX/XX/XXXX ) indicated a finance charge of {$3.00}. I emailed the customer service team on XX/XX/XXXX to ask about this fee, and I received a response on XXXX that explained what a financing charge was - it did not address why my promotional offer was not being honored. I replied back on XX/XX/XXXX saying that I signed up for a promotional offer, and on XX/XX/XXXX got a reply from a different customer representative ( a ) misquoting my balance and ( b ) saying that there is no promotional plan. I replied that day ( XX/XX/XXXX ) saying that I believed that was incorrect and requesting clarification as to why the previous statements did not include an interest charge or why the promotional offer I signed up for was not accepted. In an attempt to provide other details, I found the original email with the offer -- the actual link I used to sign up for the card at the time -- and sent it as a screenshot to the bank ( I also realized that the offer was for 6 months, despite thinking it was 12 in my first email, so I admitted I was in error about the duration of the promotion ). I received a reply today ( XX/XX/XXXX ) saying that the company " won't collect the amount in question '' until they can resolve my concern. But it made no indication of why the offer changed, what the mixup was, etc. - so I called at XXXX CST today and spoke with a representative named XXXX, who was very nice and patient, but did not provide clarification. She said I was removed from the promotional offer XX/XX/XXXX due to " my dispute, '' but she was unable to explain why there was a charge issued XX/XX/XXXX. She said the matter will be reviewed and may take up to thirty days ; I was told to wait until then to see how the matter is resolved, though apparently interest will continue to accrue during that time.
Personally, my next steps are to pay the original balance in full - {$510.00} - today so that I do not get hit with additional fees/charges, and to discontinue future business with this bank, given how difficult it has been to get clear answers or support from them. In general, however, this entire experience seems to be incredibly suspect, and it appears to be an illegal practice, which is why I'm reporting it. Please see below for a transcript of the messages between myself and the bank, as well as the original email they sent regarding the promotional offer, and feel free to contact me for additional information. Thank you.
Original message : From : You Sent : Thursday, XX/XX/XXXX, XXXX XXXX ( ET ) To : Comenity Bank Subject : Late Fees or Finance Charges Message ID : XXXX I had a finance charge on XX/XX/XXXX but my card is supposed to be 0 % APR for the first year - can you explain why this charge was added?
I received this reply : From : Comenity Bank Sent : Monday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I ' m with Comenity Bank, which handles your XXXX account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXX XXXX. I'm here to help with your account needs.
Thank you for reaching out with your finance charge concerns on your XXXX account.
Here 's what we found upon reviewing your account. Your balance is accurate.
Here are the details : The finance charge is the interest assessed to the account when you have an outstanding balance that carries over from one billing cycle to the next. The interest charged to the account is calculated on the average daily balance for the billing cycle.
Also, if you're interested, we have some great resources available on our website to assist with your credit and financial questions! Check them out by visiting comenity.com/financial-education.
We hope this provided the information you needed about your finance charges and balance.
We truly value your business.
Thank you for your loyalty and have a great day!
If you have any questions, please click the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team To which I replied : From : You Sent : Monday, XX/XX/XXXX, XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Late Fees or Finance Charges Message ID : XXXX While I understand that is how finance charges typically work, the offer for this credit card was a 0 % APR for the first 12 months - it's the only reason I signed up for the card. It seems to have been fine the first two billing cycles- as you can see, no financing charges were applied during the XXXX and XXXX billing cycles, despite having an active balance - but this past billing cycle I was charged. I'm wondering why that is the case, as I believe it is an error because of the offer I signed up for. If you could correct the matter, I would greatly appreciate it.
Next response : From : Comenity Bank Sent : Thursday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I ' m with Comenity Bank, which handles your XXXX account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXX XXXX. I'm here to help with your account needs.
Thanks for reaching out to us.
After a quick review on your account it shows that your account have a balance of {$560.00} is under Regular revolving plan with an APR % of 23.74 % and not under Promotional Plan.
If you have any questions, please click the reply button.
Sincerely, XXXX Internet Customer Care Team My reply : From : You Sent : Thursday, XX/XX/XXXX, XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Late Fees or Finance Charges Message ID : XXXX I believe that is incorrect, as, again, I signed up for this card specifically because of the promotion that was offered. And, as you did not address it in my last message, why was I not charged a fee for the first two months of having a balance? Was the promotional offer nullified for some reason? I know it's a very small amount of money - making it more strange that you won't just reverse the charge - but this is a matter of ethics in my opinion. If you can not provide an explanation as to why the promotional offer I signed up for is not being honored, I plan to contact the Consumer Financial Protection Bureau regarding this matter. Thank you.
And a follow up with an attachment showing the email they sent me with which I signed up for the card : From : You Sent : Thursday, XX/XX/XXXX, XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Late Fees or Finance Charges Message ID : XXXX Attachments : email.jpg See attached - I was mistaken, it was a 6-month promotional offer I accepted.
Their final response : From : Comenity Bank Sent : Friday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I ' m with Comenity Bank, which handles your XXXX account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXX XXXX. I'm here to help with your account needs.
Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies.
Please keep in mind that to protect your rights under the Fair Credit Billing Act, we need you to provide the dispute in writing.
See the back of your statement for more information. We appreciate your patience.
If you have any questions, please click the reply button.
Sincerely, XXXX Internet Customer Care Team
07/27/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
WA
98144
Web
I recently filed a complaint via the CFB ( see below ). I am NOT happy with the outcome and I believe the bank is clearly NOT following the law and reading the supporting documents to the claim provided and I wish to pursue this further.
In regard to my most recent complaint and request for a refund ( services were never rendered as company went bankrupt ) my bank, Comenity Capital Bank informed me that I had to file a credit card dispute within 60 days. The 60 day time-limit suggested by my bank in the response I received is on chargeback code such as XXXX XXXX & XXXX.
Source : XXXX XXXX XXXX The chargeback dispute I submitted is a Visa chargeback XXXX Chargeback time limits associated with XXXX XXXX can change if the merchandise or services were expected to be provided after the transaction processing date. For example, the purchase could be for plane tickets that would be used months after the initial transaction. Which means the dispute may be issued : 120 calendar days from the last date the cardholder expected to receive merchandise or services. 120 calendar days from the date the cardholder was told that the merchandise or services wont be provided. The dispute can not exceed 540 calendar days from the transaction processing date Source : https : //chargeback.com/visa-chargeback-time-limits/ As I informed the CFB and my bank in my initial complaint ( COMPLAINT ID XXXX ), the time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. I've provided all documentation to prove initial trip was set for XX/XX/XXXX then rescheduled due to international travel restrictions/border closures to XX/XX/XXXX then quickly changed ( by XXXX ) to XX/XX/XXXX and finally ( by XXXX ) to XX/XX/XXXX.
I believe the bank is not following the law/charge back code and it is their intent to delay this process and push it out so that I can not be refunded.
XXXX XXXX ( a travel agency ) went into administration and became formally bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services/trip that I paid for. According to online sources, this is when the 120 days should begin. I first reported the dispute on XX/XX/XXXX. I sent the insolvency letter from the administrator XXXX as evidence along with multiple documents showing the purchase and delay and finally the cancellation of the trip which I purchased with XXXX.
Please see the Companies House business page for XXXX XXXX clearly showing that the company is liquidated XXXX XXXX XXXXXXXX According to my bank Comenity XXXX Visa : If the travel provider is unable or unwilling to assist you with refunding the charge to your credit card, one of our Care Center associates can file a dispute on your behalf If you are unable to resolve your concern directly with the merchant, please consider initiating a dispute - Which I have done several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX via CFPB as Comenity ( the bank ) was NOT reading supporting documents and denying my refund stating I was covered by travel insurance via XXXX - this is NOT true and after the initial denial I worked with XXXX and showed proof I was NOT covered by travel insurance via XXXX as I am not a XXXX XXXX. I showed proof that this was incorrect and yet the bank did not read any supporting documentation and kept denying the claim stating I was covered by insurance and now it's a different reason to deny my claim - I'm out of the timeframe ... .why did they not state this in the beginning? They are doing all they can to frustrate me and deny my claim but XXXX has worked with multiple clients who purchased the SAME trip and were able to get their refund due to the laws that protect this type of purchase!
Source : XXXX : XXXX Original complaint to the CFB : COMPLAINT ID : XXXX SUBMITTED ON : XX/XX/XXXX I booked a group vacation with XXXX based , The XXXX XXXX XXXX on XX/XX/XXXX. I was scheduled to travel to XXXX with them on XX/XX/XXXX XXXX XXXX postponed my trip on XX/XX/XXXX, due to COVID travel restrictions/closed borders. As you can see from the email, the dates of my trip changed to XX/XX/XXXX, back to XX/XX/XXXX then to XX/XX/XXXX as COVID stopped the trips from going ahead due to border closures.
*Please see the emails sent by XXXX XXXX confirming my original trip date and amount paid and also emails showing my trip was moved to new dates with same payment amount XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for.
*Please see the attached email sent to me by the insolvency practitioners, XXXX XXXX XX/XX/XXXX, informing me of the administration.
Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy.
I attempted to open up a chargeback dispute on XXXX using the Visa chargeback code : XXXX Merchandise services not received.
I again made a claim with Comenity in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX via CFPB!
Initially my bank opened up the dispute but later refused to accept it stating I was covered by Travel Insurance by XXXX *Please see the various rejection letters from the bank I am informed from my bank, that the reason for this is that XXXX XXXX merchant acquirer XXXX challenged my dispute with the bank on the basis that I may have been told that I was protected by XXXX XXXX financial failure insurance on their XXXX XXXX XXXXXXXX which is INCORRECT.
I am informed that the financial failure insurance was always in place for XXXX XXXX customers but from XX/XX/XXXX XXXX XXXX were able to insure every customer globally and they changed the XXXX XXXX XXXX XXXX reflect this on XX/XX/XXXX.
As I booked before this time, I am not insured or protected by any other method.
When the challenge was flagged by my bank, Comenity should have given me an opportunity to show them evidence that clearly shows that I am not insured which I DID send them yet they will not look at it.
*Please see the emails sent by XXXX XXXX stating I was not covered by insurance I resubmitted supporting documents FOUR times yet they do NOT read them. I have been able to submit the XXXX XXXX XXXX relevant to my booking which clearly shows that the financial failure insurance was for XXXX customers only. I submitted ALL supporting documents including a flowchart provided by the insolvency practitioners, XXXX which was sent to all XXXX XXXX customers. XXXX informed me that this flowchart was agreed and approved by XXXX themselves.
*Please see the flowchart provided by XXXX XXXX notice the red box in the bottom-left corner of the XXXX flowchart clearly showing that the insurance is for XXXX customers only.
*Please see the attached XXXX XXXX XXXXXXXX that are relevant to my booking *Please see the email from the insolvency practitioners XXXX showing that I am not protected by insurance *Please see the email from the financial failure Insurers XXXX clearly showing that I am not insured For your reference : The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In my case this date should be my new trip date of XX/XX/XXXX.
Alternatively, they may use the date I found out that I would not receive the trip ( 3 XX/XX/XXXX ).
Here are Visas rules : Visa claims that a dispute must be processed no later than either : 120 calendar days from the Transaction Processing Date 120 calendar days from the last date that the Cardholder expected to receive the merchandise or services ( Not to exceed 540 calendar days from the Transaction Processing Date ).
I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed Civil Aviation Authority are advising me to do the same via this letter XXXX : XXXX I would like my bank to open my dispute and refund me, in accordance with the Fair Credit Billing Act which they are clearly not following!
01/08/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
33594
Web
Issue # 1 : I placed a call into XXXX XXXX XXXX the 1st week of XX/XX/XXXX to update my address. At that time I was advised that the address was updated. However, I found out on XX/XX/XXXX that my address was never updated.
Issue # 2 : At the end of XX/XX/XXXX or the beginning of XX/XX/XXXX I received a call from the bank stating that my account was delinquent for {$29.00} for my XXXX account. I then received another call stating that my XXXX XXXX account was also delinquent. I explained to them that I received a phone call from the company stating that my minimum payment has been waived for XX/XX/XXXX and XX/XX/XXXX due to being affected by Hurricane Irma. I also expressed my frustration in regards to getting over 3 calls a day from the company. I explained that I always pay the bill and it should be no reason why I am being harassed with all the calls from your company. At this time the representative apologized, showed empathy due to my situation, agreed to waive the late fee on the account, notate my account and make sure that I do not receive any additional calls.
After, I spoke with someone from the company who called me about the past due status. I logged into my XXXX XXXX account and it showed there was {$0.00} minimum payment due so I was not understanding why I was receiving so many collection calls about a past due status because the website did not show that my account was past due. I logged in also the account back in XX/XX/XXXX since I noticed I did not get a bill and I saw that it still showed there was {$0.00} minimum payment due. However, I decided to make a payment anyways since I had the ability to since things had started to get back to normal since Hurricane Irma.
Issue # 3 : In XX/XX/XXXX, while paying other bills I realized that I had not received a bill from XXXX XXXX. So I logged into the website on XX/XX/XXXX to see if I had a payment due if anything since my payments had been waived for the last 3 months. At that time I saw my account was delinquent and I was in the hospital so I had went ahead and paid {$30.00} on the account which is the amount of my monthly minimum payment.
Issue # 4 : On XX/XX/XXXX, I noticed again I had not received a bill from XXXX XXXX. I logged into the website and looked over the details of the account. I saw I was charged a late fee in XX/XX/XXXX and that the late fee from XX/XX/XXXX was never waived. So I called to get late fee waived and see why I have not received any bills. The representative stated my old address was on file so they did update my current address from what she said. She also stated going forward I can just updated my address on the profile on the online account and it will get updated accordingly. I asked why I never got a bill and she stated I was signed up for electronic bills. I explained I never signed up for them and never received electronic bills either. She explained what email address they had on file. I explained that is correct but I have not received anything. She told me to check spam which I checked spam, junk, and trash from now all the way back to XX/XX/XXXX and I had not receive one bill from the company. I searched multiples ways and there was no type of bill from the company in my email. I asked her to change back to paper bills and to send me all my statements from XX/XX/XXXX until now. She stated she would. In addition, she agreed to waive the late fees. However, the call got disconnected.
Issue # 5 On XX/XX/XXXX, I called back to verify that the late fees were credited since the phone call had dropped. The representative told me I did not qualify for another late fee removal in addition. I explained everything that had happened with my address, the bill, minimum, payment, and that I just spoke with someone. The representative told me there was no notes. So I asked to speak with supervisor. I once again had to explain everything over again. This supervisor advised he would have to send an email to the person I was speaking with and have the fees waived. Then stated would waive 1 fee as a courtesy but will do research on the other one. I was told at this time it would take 24-48 hours to credit the fee.
Issue # 6 On XX/XX/XXXX, I called back since I did there was no credit to any late fee from XXXX and XXXX on the account. At this point, I was told a supervisor was looking into it and was going to give me a call back. However, I was getting very annoyed and frustrated that no one was doing what they said they would do. I have placed several calls to your XXXX XXXX Credit Card customer service from XX/XX/XXXX to XX/XX/XXXX and still not getting resolution. I asked to speak with a supervisor again. This time I had to explain everything over again to the supervisor and this supervisor understood my problem with the billing and the late fees. He agreed to waive a late fee. I asked which one was being waived and he stated the one from XX/XX/XXXX. Even though that is the one that should have already been waived. I told him I was upset that my XXXX and XXXX XXXX account had the same issue. However, XXXX account was resolved expect the negative credit reporting. Which he states a request was sent to get that corrected. This supervisor said he understood my frustration and that the first supervisor I spoke with about the fees will be calling me back. However, I never received any call from him as promised.
At this point I have placed several calls to your company and asking for the late fees from XX/XX/XXXXXXXX and XX/XX/XXXX to be waived since I never received a bill. However, the company has did nothing but give me the run around.
On XX/XX/XXXX I spoke with a XXXX in customer service at XXXX. I explained all the issues I had with not receiving my statements due to wrong address, late fees, and credit reporting issue. XXXX first made sure that my address was updated correctly then requested all statements to be sent to me from XX/XX/XXXX until now. She stated I would receive them in 7-10 days and also walked me through how to get statements online as well. Next, XXXX advised me that she refunded the finance charge from the account. It would not allow her to waive the late fee because one has been waived in XX/XX/XXXX. However, she said she will submit the request to her supervisor to waive the late fee since I never received my bill so that will be taken care of.
Next we discuss the negative reporting on my credit report. XXXX states your company system had an error. What she stated to me was for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they were waiving my minimum payment due to Hurricane Irma. But for some odd reason another system still showed I had a minimum payment was due and even showed that way on the monthly statements which was incorrect. She stated it should have all showed the minimum payment is {$0.00} for all three months however that is not what happened. Therefore, what happened is due to it still showing a minimum payment for all those months and no payment was made it got reported to the credit bureau agency that I was delinquent which is incorrect. XXXX assured me she would escalate this and have everything corrected and have the credit report updated because it was incorrect. In addition, the {$19.00} that was still remaining that was due on XX/XX/XXXX she was going to push out to the next month because of everything that had happened. I explained to her that I had just paid the {$19.00} dollars online so pushing that {$19.00} was not necessary.
The sad thing is that both of my accounts had the exact same issue and should have been resolved accordingly without me having to place multiple calls but it was not. As a customer I should have never been treated this way but since I was. I will be paying off the balance and closing my cards. I will be closing my XXXX Credit Card and XXXX XXXX XXXX XXXX because a customer should never be treated this way. It seems as if Management attempted to help me while experiencing a hardship during a rough time in my life due to Hurricane Irma. But in reality it hurt more than helped me. Since everything was not properly implemented.
** Statements will show the months the payment was waived online and according to customer service. However, It still showed a minimum payment was due on the statement.
05/23/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
CO
80602
Web
Below is a copy of the letter I wrote to Comenity regarding the information I am trying to dispute. I have great credit and this incident has taken my credit score from the high 700 's to XXXX. Please help! My credit has always been great and my credit report shows I have always paid my payments. I have contacted Comenity and they are refusing to help me fix this. Please help me. I've had a great credit score for over 20 years and this has completely damaged my credit in addition to affecting a job opportunity. I need to take care of this as soon as possible or I will be unemployed.
To Whom it May Concern, I was recently advised of a matter concerning my New York and Company credit card ending in XXXX.
In XX/XX/XXXX, I received a statement showing my balance was {$21.00}. I paid {$10.00}. On XX/XX/XXXX, I made a purchase for {$26.00}. I was not advised Comenity added a {$35.00} late fee.
On XX/XX/XXXX, I made another payment for {$21.00}. After paying this amount on XX/XX/XXXX, I assumed the account was paid in full because I never received another statement from Comenity for my New York and Company account.
On XX/XX/XXXX, I received a voicemail from a collections agency stating that I needed to contact them about my New York and Company account. I almost thought this was a scam since I believed the account to be paid in full for months, but I called anyway to see what they needed as I thought the phone call was possibly a call to notify me the company was closing. I believed this may be the case because their location at XXXX XXXX and XXXX recently closed and I assumed it was because the company was having trouble.
When I called, I spoke to a male that advised me I had a balance of {$190.00}. I immediately thought someone must be using my account and told him I had concerns of this. He quickly explained that the balance was due to late fees that accumulated from my XXXX, XXXX, XXXX and XXXX statements. I advised him that I was never made aware I had a balance and I never received a statement. He asked that if I just pay {$60.00}, he could waive the remaining amount and make resolve the account. I then asked, in a panic, if this had been reported to the credit agencies and he stated it had not. I also asked him why nobody had called me earlier to advise me I had a balance. He advised me that I needed to speak with Comenity. This {$60.00} payment posted to my account on XX/XX/XXXX.
On XX/XX/XXXX, I received a letter from XXXX XXXX regarding an account I currently have with them stating they were closing my account based on delinquent or derogatory status on accounts that are too recent. I immediately had my credit report pulled and noticed that Comenity New York and Company reported they did not received a payment from me in XXXX, XXXX and XXXX of XXXX.
On XX/XX/XXXX, I called Comenity and spoke to a supervisor named XXXX. He explained that my XX/XX/XXXX statement reflected I owed {$21.00}. He stated they received a payment from me of {$10.00} and on XX/XX/XXXX, I made a purchase for {$26.00}. He explained the balance forward was {$22.00} to include a late fee of {$35.00}. As previously stated, I paid {$21.00} on XX/XX/XXXX and never received another statement. When I told him this he advised me there had been several statements sent to me and several automated phone calls made to me, yet they received no payments. THIS IS NOT TRUE! I terminated the phone call with him and continued to do some research.
On XX/XX/XXXX, I called back and spoke with an operator named XXXX. During our conversation, I asked XXXX why nobody had reached out to me if I had an outstanding balance. I find this pretty unusual that when a consumer owes a creditor money, that they do not send mail, email or call the consumers to let them know this! I had not received anything. XXXX then told me it was my fault because I had not provided them with an updated address until XX/XX/XXXX. This really made me confused because I moved to my residence at XXXX XXXX XXXX XXXX in XXXX, Colorado in XX/XX/XXXX. Comenity was provided this information as soon as I moved. Comenity had been sending my New York and Company statements to this address in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. When I asked her what she was talking about and explained that I had received these statements before at my new address, she could not provide a valid explaination and I terminated the phone call.
On XX/XX/XXXX, I called back and spoke to XXXX ( operator ID XXXX ). I asked XXXX if she could give me the address on each and every statement they have sent to me since XX/XX/XXXX. XXXX explained that she could not retrieve my statements, but if I wanted the statements I could sign in to my account and see this information on the website, which I did. When I signed in to my account, I realized Comenity did not generate a statement in XXXX, XXXX, XXXX or XXXX of XXXX. This confirms that nobody advised me I had a balance on the account. I took a screenshot of this and I have attached it to this letter.
What I can say is I have an exceptional credit history with Comenity New York and Company and the multiple other creditors I have existing and past accounts with. I recently refinanced my home and during the time my finance company was pulling credit reports on me, my credit score was in the high 700s. I now have a credit score in the low 600s and has already affected recent credit card applications. I am currently in the process of getting a job with a local police department, which requires extensive background investigations to include pulling a credit report. This is affecting me financially and now causing hardships for my career in law enforcement, as this could disqualify me as an applicant for this position.
I must say this is not the way a company like Comenity should be doing business. I have made several calls requesting correspondence from Comenity showing proof of the information I was provided over the phone from your employees, but my request was declined. What I can say is if at any point and time between XXXX and XX/XX/XXXX I was made aware I had a balance with Comenity/New York and Company, especially such a low balance, I would have payed this off immediately. I think my history with Comenity and other creditors shows my exceptional credit history.
I have asked Comenity for proof of their efforts to advise me of the balance, but the male I spoke with was unable to provide me any dates stating this was communicated to me. He did, however, say that their automated system called me to notify me of the account status but he was unable to provide me with dates or any other proof of this. This is a lie. I never received a message through voicemail or a letter stating I had a balance on this account.
It should be noted when the collector called me on XX/XX/XXXX, he asked that I pay {$60.00}, which I immediately paid in full and brought the account to a zero balance. This would have happened months ago if someone would have let me know the account balance. I also immediately contacted Comenity and closed the credit card account, as I would never do business with this company again.
I am requesting Comenity make this right and either send me a letter that I can submit to the credit agencies to repair my credit, explaining the truth of this situation or send me proof of correspondence ( mail, certified mail, dates of calls to my phone number, etc ) that they did reach out to me to resolve the account.
This information can be sent to the following address or email.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX XXXX I will advise you that this letter, along with the screenshot of proof that your company did not generate any statements between XXXX and XX/XX/XXXX, will be sent to all three credit bureaus, Consumer Financial Protection Bureau and the Colorado Attorney Generals Office.
I am asking that Comenity help me resolve this issue immediately or I will be contacting an attorney. Thank you for your assistance in this matter.
01/22/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TX
76063
Web
XX/XX/2019 To Whom It May Concern : I need assistance from your agency in the fact that I am being made to pay late fees, along with an attached account fee, on an account that is closed, and should have been paid off months ago.
I want a full refund of all of these fraudulent late fees that they have charged me, and I have paid for the past few months.
The only thing that has been keeping that account going is the late fees that they have continued to charge me for the past few months.
Ive made the payments to pay off this account in full, for several months now, and on the date that the payoff payment was due.
some of the dates fell on weekends, and Ive paid all of what was due to pay off this closed credit card account, more than once, months ago, and they have been forcing me to pay fees, and late payments on a closed credit card account.
The account was not closed due to any mishandling of the account on my part, the account was closed due to the fact that, I returned lots of merchandise back to two merchants over the past two years, XXXX and XXXX XXXX, and the merchants did not give my account credit for the returns, so instead of finding the merchandise and crediting my accounts, they have had me to pay for stuff that I returned back to them some time ago.
So they closed the credit card accounts, and I have been paying off balances that I should not have been owing on 2 credit cards to XXXX, and 1 account for XXXX XXXX, and I ended up with 2 XXXX credit card accounts due to the banks doing, not my choice.
I also need your assistance on this as well, I am providing some order numbers that I was able to locate online, and I want the detailed order information for the numbers that I am going to provide, further on in this letter.
( If you would like to know where I located these numbers, you can call me ), because they did not belong where I was able to locate them.
I want XXXX XXXX to REALLY contact XXXX this time, and XXXX needs to provide me with the full order descriptions and photos of the items for these order numbers that I am providing.
I located these order numbers online on XXXX-2019, and I want to know if these are some of my missing returned orders that I did not get account return credit from XXXX, as well as from XXXX XXXX.
And XXXX XXXX has been no help in assisting me in getting my money back for items that I have not had in my possession and was returned to both of these two merchants over the past 2 years.
I have tried since last year to get the representatives of XXXX XXXX, as well as the representatives from XXXX and XXXX XXXX to assist me in finding the stolen returned orders, so that I can get return credit for all of the many items that I have returned to both of these companies.
Especially XXXX, the majority of my returns went back to them, and neither the bank, representatives, nor the representatives at XXXX or XXXX XXXX are willing to do any extensive investigation in getting my credit card accounts corrected, by finding the proof of the return of the many items that I have returned to XXXX and XXXX XXXX.
What they did do, was to close all of the credit card accounts, and they have been having me to pay hundreds of dollars, for merchandise that I have already returned to the merchants some time ago, and did not receive account credit for.
I dont care about the fact that they closed the XXXX accounts, because I was in actuality only supposed to have one account, and somehow they ended up having me pay on 2 accounts, and I wanted XXXX closed anyway, because they are thieves.
The XXXX XXXX credit card account that they closed, this account should not have been closed, I never requested that they close that credit card account, I was not late nor behind on that account nor anything.
Last year, and the year prior, I had complained to XXXX XXXX, because they had me paying off a higher balance than what I should have owed, and they refused to assist me in finding proof of the returns by finding out what happened to the items that were returned back to XXXX and XXXX XXXX.
All they had to do was look up the numbers for the returned labels that they had sent to me with the original orders, the labels that were sent out with the original shipments to me, and the labels that they would have me attach to the packages of merchandise that was being returned to either of the above mentioned merchants.
As stated, I had all of my XXXX order numbers, along with the photos of each and every item that I have ever ordered from XXXX in my XXXX account online.
All of my ordering information was located in my online account, until I started complaining about them not giving me credit for my returned items.
Last year, after I discovered that I was not being credited for the many, many, many returned items that I had sent back to XXXX, and to XXXX XXXX, I started to complain about the no credit for the many returned items that I had sent back to them, and last year the XXXX representatives, went into my online account, and removed each and every bit of ordering information from my online account on their XXXX site, and now the XXXX site states that I dont have, and I never have placed any orders with them. As though I had never ordered anything from both merchants.
If that was the case, why have I had to pay back all of these hundreds of dollars to XXXX XXXX for their XXXX card, as well as their XXXX XXXX credit cards for the past 2 years?
I believe that they have found the truth, that I did return all of those hundreds of dollars in merchandise to XXXX and XXXX XXXX, and it would look too bad to acknowledge that they have thieves working for them, so instead it is easier to have me to pay hundreds of dollars, for merchandise that I dont have, because it was already returned back to the merchants over the past two years.
They have accepted my many returns, and not given me credit for the returns, and XXXX XXXX- XXXX, and XXXX XXXX- XXXX XXXX has refused to do an extensive search on what happened to my returns.
Its been okay with all of them, that I am still being forced to pay for merchandise that I have returned back to those merchants some time ago, XXXX has nothing to lose.
They should have been able to track the shipping labels, they have the numbers for the labels that they sent out to me, even though they lie and say that they dont.
Recently I have located the below order numbers, and I want the XXXX representatives to look to see if they are some of my missing XXXX returned items.
I want to be provided with the full detailed information, including pictures of the items, on these orders by hardcopy, so that I can look for myself, then I can tell them all of what merchandise I have returned back to them.
I had placed many, many, many orders through XXXX, and have sent back many returns, and it's not fair that I have been forced to pay back money that I don't owe.
If you have the cability to also let the Federal Trade Commission, as well as the Attorney General 's office to know about my complaint to you, I would appreciate this complaint information also being passed on to them.
It's been too long that I have been seeking assistance in getting these accounts corrected, and I being refunded the money that I have had to pay for the many items that were returned back to XXXX and XXXX XXXX.
They need to locate all of the orders that I have placed, and then locate the numbers for all of the return labels that were sent with the orders, and they will be able to find all of the merchandise that I have sent back to them, by tracking the return shipping labels.
XXXX should have been able to do lots more to assist me in getting this issue resolved last year, but they don't want to do any type of full investigation, they claim that they can only go so far with the merchants, and from my experience, they go no where, they do nothing.
Card numbers XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
06/23/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
NY
13126
Web
XXXX XXXX XXXX Account Reported Closed and has {$100.00} Credit Limit.
The company is a nightmare to deal with I also have a XXXX XXXX Account with them same {$100.00} credit limit but the account is open.
They mischarged me back in XXXX for a late fee and refused to credit me even though I was a paying customer and rarely late, we went back and forth and they refused to credit me, then I received info that I had a {$100.00} credit limit so I thought they just lowered the credit limit but didn't close it. I received an email from XXXX XXXX because I have been working on fixing my credit after a divorce. They asked if the account was closed, I reached out to XXXX on XX/XX/XXXX and asked how I could have a {$100.00} credit line on a closed account, they replied back the account was closed in XXXX and notified the credit reporting agency on XX/XX/XXXX. That was it, then I asked why the account had a {$100.00} limit if it was closed, and if that is the case could they notify the credit reporting agency and leave the account open, they didn't say yes or no but keep sending pre worded responses that don't make sense. I have the email correspondence below.Please read from the bottom up.
I would like the credit limit of {$100.00} with the account open and them to notify the credit bureau so it doesn't negatively impact my credit. OR if they can't do that then keep the account closed and cancel the card with no credit limit ( like the XXXX XXXX account ), but they can't have both.
From : XXXX XXXXSent : Saturday, XX/XX/XXXX XXXXXXXX XXXX ( ET ) To : YouSubject : Re : Credit Bureau ReportingMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
XXXX XXXX issues your account and responds to all credit related inquiries.
I apologize for any inconvenience you've experienced with your account.
It's our goal to provide superior customer service, and we'll use your feedback to improve our customer care interactions.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX XXXX Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I will be reporting you to the credit bureau.
This doesn't make sense and extremely dishonest.
From : YouSent : Friday, XX/XX/XXXX XXXXXXXX XXXX ( ET ) To : XXXX XXXXSubject : Re : Credit Bureau ReportingMessage ID:XXXX I will be reporting you to the credit bureau.
This doesn't make sense and extremely dishonest.
From : XXXX XXXXSent : Wednesday, XX/XX/XXXX XXXX XXXX ( ET ) To : YouSubject : Re : Credit Bureau ReportingMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
XXXX XXXX issues your account and responds to all credit related inquiries.
I'm happy to answer your questions today. Your account was closed on XX/XX/XXXX, and reported to the national credit reporting agencies as closed per your request on XX/XX/XXXX.
Although you requested your account closed, I hope that you will continue to shop with XXXX XXXX XXXX. I value you as a customer and would like to invite you to apply for a new credit card account in the future.
We value you as a customer, and we strive to provide you the best possible service. In order for us to resolve this matter, please call XXXX as soon as possible.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Ok if my credit limit is {$100.00} then why did you report the account closed to credit reporting?
See you can't have a credit limit on a closed account ... correct?
A closed account can't have a credit limit correct?
So is the account open with a credit limit? If so PLEASE tell the credit reporting company so they can update my account info.
Its not that hard right?
From : YouSent : Wednesday, XX/XX/XXXX XXXXXXXX XXXX ( ET ) To : XXXX XXXXSubject : Re : Credit Bureau ReportingMessage ID:XXXX Ok if my credit limit is {$100.00} then why did you report the account closed to credit reporting?
See you can't have a credit limit on a closed account ... correct?
A closed account can't have a credit limit correct?
So is the account open with a credit limit? If so PLEASE tell the credit reporting company so they can update my account info.
Its not that hard right?
From : XXXX XXXXSent : Tuesday, XX/XX/XXXX XXXX XXXX ( ET ) To : YouSubject : Re : Credit Bureau ReportingMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
Comenity Bank issues your account and responds to all credit related inquiries.
We apologize for any inconvenience or confusion you may have recently experienced with your account. On XX/XX/XXXX, your credit limit was reduced to a total of {$100.00} based on information provided to our Bank by the credit reporting agencies. A credit limit decrease occurred on the account because we were notified by the credit reporting agencies that there had been a significant change in your credit bureau score. A letter was mailed to you on XX/XX/XXXX to notify you of this change. If you have any questions regarding the information in your credit bureau report, you may contact the credit reporting agencies at the below mentioned details : XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- So what is the {$100.00} credit limit if it is closed?
It negatively impacted my credit report is there a way to reactivate this account and notify the credit bureau that it is still opened?
From : YouSent : Tuesday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXXSubject : Re : Credit Bureau ReportingMessage ID:XXXX So what is the {$100.00} credit limit if it is closed?
It negatively impacted my credit report is there a way to reactivate this account and notify the credit bureau that it is still opened?
From : XXXX XXXXSent : Tuesday, XX/XX/XXXX XXXX XXXX ( ET ) To : YouSubject : Re : Credit Bureau ReportingMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
XXXX XXXX issues your account and responds to all credit related inquiries.
I'm happy to answer your questions today. Your account was closed on XX/XX/XXXX, and reported to the national credit reporting agencies as closed per your request on XX/XX/XXXX.
Although you requested your account closed, I hope that you will continue to shop with XXXX XXXX XXXX. I value you as a customer and would like to invite you to apply for a new credit card account in the future. So that we can better assist you regarding online account, we ask that you contact us by phone at XXXX.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Good Afternoon, You reported to the credit bureau that this account is closed and it shows there is a credit limit of {$100.00}.
Please advise and confirm the status of this account.
Thank you.
From : YouSent : Monday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXXSubject : Credit Bureau ReportingMessage ID:XXXX Good Afternoon, You reported to the credit bureau that this account is closed and it shows there is a credit limit of {$100.00}.
Please advise and confirm the status of this account.
Thank you.
04/11/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
CA
94952
Web
OnXX/XX/XXXX, my dentists office basically talked into getting a credit card called XXXX XXXX. They offered these cards to pay for dental work that insurance doesnt cover. I needed a XXXX XXXX procedure. My procedure was {$860.00}. My first bill was due the following month on XX/XX/XXXX. I was out of town during that time. I had someone picking up my mail and never received a bill. I called the company on XX/XX/XXXX and paid my bill plus the late fee ( {$27.00} ) which totaled {$73.00}. My minimum payment due was {$32.00} a month.
My company laid off my whole department XX/XX/XXXX. I am a single mom, so money was tight. I made XXXX XXXX aware of this. I had to pay them when I received my unemployment payments which made me a few days late most of the time. This company tacks on a minimum {$27.00} late fee if your bill isnt paid on the day its due!
I was 4 days lateXX/XX/XXXX and had another late fee tacked on. This time for {$32.00}. I paid the XX/XX/XXXX bill 5 days prior to the due date.
At the end ofXX/XX/XXXX I had to have XXXX XXXX on my XXXX I missed my payment in XXXX because of this. I was charged a {$35.00} late fee. 5 days after the bill was due, I started receiving non stop phone calls from different numbers and unknown numbers. Sometimes 10 a day! Almost every time I answered, I would get hung up on. One time a XXXX XXXX rep was actually on the line. I was pretty angry because of the excessive calls. ( I had no idea who had been calling me until the rep told me he was from XXXX XXXX calling regarding my XXXX XXXX account ). I tried to explain my situation to him, but he was verbally abusive so I hung up. I then emailed XXXX XXXX using their messenger on their website. I explained what had happened with their abusive rep and that their non stop phone calls must stop immediately. I also explained that I just had XXXX XX/XX/XXXX. I asked them to call me once and leave a message if Im late. Their rep replied and assured me that it wouldnt happen again. I then made a payment on XX/XX/XXXX of {$45.00}. That message thread mysteriously vanished from my account last month around the time they started harassing me again. I had just made my billing paperless. I did not receive an email with my bill in XX/XX/XXXX. I did not receive a late payment for that month which I dont understand why. I made a payment on XX/XX/XXXX for {$45.00}. No late fee for some reason. I did not receive a bill for XX/XX/XXXX. Again, no late fee.
In the beginning of XXXX I had to have another XX/XX/XXXX XXXX. I called XXXX XXXX on XX/XX/XXXX to pay my bill. I paid the rep {$33.00} over the phone. I let the women know my current situation and asked her if I could push my due dates out to the end of each month since that was when I received my XXXX payment. She said she couldnt do it then and that I would have to call back prior to my next due date and ask them to change it. Well I had my third XX/XX/XXXX XXXX at the beginning of XXXX which I told her about when I spoke to her on the phone. I totally forgot to call them to change it. I kinda had A LOT going on. I think thats a ridiculous request anyways. Why couldnt she just change it then?
I had to keep my lights, phone, and water on and pay rent all with my XXXX money. I made this company aware of my situation several times. I paid them every month that I received a bill. Usually a little late, but I paid them within the month. The late fees are as much as or more than the minimum payment due, which is ridiculous. Also, they are adding these other {$1.00} minimum charges onto my account. This card is supposed to be interest free!
I have paid {$260.00} to them. All minimum due to my financial situation over the past year. My balance started at {$860.00}. Its now {$750.00} because of all of their outrageous fees! Do the math. They are ripping me off!
Back to the harassment. Starting XX/XX/XXXX, 5 days after my bill was due, XXXX XXXX XXXX has called me easily 90 times from 90 % unknown numbers and then several Ohio, Colorado and Kansas numbers. I know the unknown numbers are them because I have a call block app on my phone that shows me the number thats calling. Ive called all of the other numbers back and they are ALL XXXX XXXX XXXX. I have answered several times, and when I do, they hang up. Most days they are calling me twice an hour.
I had every intention of paying this card off but I can not due to their outrageous late fees. Because of this and their constant harassment, I mailed them a certified letter on XX/XX/XXXX in which I have proof that it was received by XXXX XXXX XXXX onXX/XX/XXXX at XXXX XXXX
In the letter I listed their violations as follows.
Regarding the harassment, I told them that they are in direct violation of FDCPA 15 USC Section 1692d ( 5 ) ( then listed what is considered harassment. Copied directly from the FDCPA page ) Regarding calling from unknown numbers and hanging up, I told them that they were in direct violation of FDCPA 15 USC Sections 1692d ( 6 ) and 1692e ( then listed why they were in violation. Copied directly from the FDCPA page ) I told them that Im exercising my rights under the Fair Debt Collections Practices Act 15 UCS Section 1692c ( c ) and asked them to cease all contact with me and that due to their late fees I will never be able to pay the card off, so I am refusing to pay ( I then listed the whole section copied from the FDCPA page ) I told that I am also exercising my rights granted by the XXXX XXXX XXXX XXXX by requesting that no one from their company calls me on my cell phone, home phone, or at work again.
I have received 18 phone calls from XXXX XXXX XXXX since my cease contact letter was received by them 2 days ago. It is XXXX here now and I have already received 4 calls from them. One just came in right now as I type this.
What this company is doing is illegal.
I checked the XXXX XXXX XXXX website, and they have a 98 % rating. As in 98 % negative. They have over 1000 complaints. Mostly the same as mine. They have already been through a pretty large lawsuit.
I want the harassment to stop now! I have tried to email them many times, and whenever I message them about harassment, the email system magically doesnt work. I emailed them yesterday XX/XX/XXXX asking them where my messages went and that I want copies. That went through. They replied with a generic message asking me to call them to resolve the issue. I just requested copies of the messages again.
I have all of the phone calls documented. I have proof that they are harassing me. I have proof that they received my letter and are still harassing me, which is illegal.
I mailed the letter to their Customer Care Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This Bank should be investigated. What they are doing to me and many others is not only horrible, but also illegal per federal laws. Ive read that debt collectors call from unknown numbers so they wont get in trouble. I guess they arent aware of the numerous phone apps that identify unknown callers. Or maybe they arent used to people researching laws that protect them as consumers. Who knows. All I know is that have been treating me like a criminal, when they are the criminals!
I also plan on reporting them to my Attorney General and whoever else I can report them to.
I am also going to send the same letter ( certified mail ) to the XXXX XXXX XXXX address.
Thank you for your time, XXXX XXXX Please see my letter to XXXX XXXX XXXX attached. This was confirmed via USPS that it was received onXX/XX/XXXX.
08/26/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CA
94606
Web
Servicemember
I have been a customer of XXXX for over 7 years, maintaining a charge account for the entirety of my relationship in good standing, no late payments ever, history of increased limits, etc. XXXX has Promotional Terms for purchases over XXXX $ which need to be paid in 12 months of time. Just about every year, I do at least one, if not multiple " promotional purchases ''. As it's been explained to me multiple times in the store, the payments will essentially divided in 12 months worth of payments and then become apart of the " minimum '' due on the account. My account has been on Auto Pay for the longest time and with the confidence of the store employees, I presumed that my payments would adjust accordingly and continue to be paid ( which they always have been since I've never been late ). This is something I have done so many times, I don't even think twice about it anymore. XXXX never seemed to deviate from the standard of this promo purchase and the same information was communicated to me by store employees. Today, I went online to review my account and make a new purchase, as such I went into history on the account and noticed a finance charge, and subsequently, a couple of other smaller finance charges. I was charged XXXX. Completely baffled, surprised and flabbergasted I went to further review. Not completely sure, as I'm reviewing my statements the payments are being covered ... XXXX is even adjusting my minimum payment amounts to keep up .... What's going on here? Still confused, I called XXXX/Comenity for clarification and a refund. From what was explained from the first person, XXXX does not maintain proper " minimum payments '' to ensure the " minimum promo purchase payment '' is satisfied in a timely manner. Their system, unlike other institutions whom clearly and conspicuously allow you to easily navigate through the different types of owed balances and when they are due, are uneasy to follow and confusing. I thought I was charged XXXX TWICE just based on my initial review -- it's confusing for the consumer. The explanation didn't sit well with me either. I was told it's my responsibility to review my statements each month as the PROMO PURCHASES DUE DATE fall outside of your actual account statement cycle and as such, there are different due dates. THIS IS CONFUSING. This is so confusing to consumers and deceptive when the store employees don't communicate that nor give us anything to tell us that. Even as I review my statements, I'm confused and I worked in a XXXX for 9 years alone aside from my other financial experience. At this point, XXXX is saying it's my fault. I should review the statements every month, I should ensure my payments are being made on the correct dates DESPITE having AutoPay set up and that I will get no refund. None. I have been a client for over 7 years, no late payments, never really called about a problem, nothing. Even the person on the phone remarked my perfect history yet can not offer a refund as a courtesy for a one off situation. okay. I asked to be escalated to a supervisor, I spoke with XXXX. XXXX tells me not to rely on the store employees whom are selling me these promo purchases as they do not fully understand how they work. In fact, she suggested every time I make a promo purchase that I should call into XXXX myself and take extra time to make sure they have my account proper. Why would I have to do this? XXXX is the one whom set me up with a charge account, offer Promo Purchases by store employees who have no idea what the terms are and can not effectively communicate them and equally, I've received no kind of written, printed, emailed contract about how this all suppose to work at the time of purchase. My last payment for XXXX for the eldest Promo Purchase, in addition to the other portion of minimum payment was received a short time AFTER the due date of the promo plan, and as such I was charged the entirety of the interest, XXXX. When the month prior they took the minimum of XXXX, so you're telling me XXXX calculates the payment as such that it will literally leave XXXX $ leftover to cause you a XXXX in finance charges. The practice of the company seems deceptive and unfair. From the store experience to speaking over the phone. I had full reliance on the company ; my history with them, the store employees and now I feel like I have to go back 7 years worth of statements to see how many other times this may have happened and I did not notice. XXXX XXXX sets up a charge account with one due date, allows for multiple " promo purchases '' which all have different due dates and their minimum payment doesn't exactly coincide with what is literal and proper. My biggest question also is why wouldn't XXXX 's algorithms know to take the extra amount a month prior in their minimum payment calculation to ensure my promo purchase is covered by it's due date? Again, if I'm having an issue and I'm extremely privy to statements, credit, banking, etc then I can not imagine any other consumer understanding this especially if they make multiple " promo purchases ''. XXXX listened and I thank her for that but there was no kind of resolution to my issue. XXXX is being so deceptive in their system and how things are aligned and calculated and as such I, the consumer, am unfairly having to pay interest charges. XXXX needs to take a better control of these things and how they work. Having 4 different due dates where your minimum isn't even covering your promos and your store employees are providing lackluster incorrect information on this " contract '' is again, unfair, deceptive and violating a lot protections we have in place as consumers. All I wanted was a refund and a change in their process. This can't be how they do business or treat customers they have had for over 7 years in a perfect standing. I deserve better than that and I CERTAINLY DESERVE to be provided with accurate, concise, clear and conspicuous " terms '' of said " promo ''. XXXX additionally needs to not be so deceptive in their communications of how these work with the charge account and payments being made with the dates set. It's too much and too confusing.
XXXX Statement : as of XX/XX/2020, Payment Due Date XX/XX/2020 XXXX reflects Promo Purchase that must be paid XX/XX/2020 XXXX.
How would I know that the XXXX set minimum by XXXX and on the statement would NOT cover the XXXX if I didn't review the statement? If the store employees are telling me things are fine based on having auto pay set up then why do I have to go above and beyond to see things. Years and years of nothing wrong happening and I would just never know. XXXX couldn't explain to me why this was happening and if I myself had made some kind of human error with the autopays.
XX/XX/2020 - XXXX charged in interest based on statement as of XX/XX/2020.
XX/XX/2020 - Called in to ask and review. Also, website shows two entries of interest XXXX and then two other charges. Unclear. Noted on that, she said it's confusing but I was only charged once the XXXX As I continue to review my statement, I only owed XXXX LEFT OVER AND THAT'S WHY I'M GETTING CHARGED XXXX. Again, that's crazy! How did the prior payment NOT cover what is owed?????? That makes no sense and again, that's not fair!!!!! The payment of XXXX made the month prior should have all gone towards the oldest promo purchase, instead they did all but XXXX and that's why I wound up getting charged XXXX + additional charges. That. Is. Crazy.
01/30/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
VA
23661
Web
sinceXX/XX/XXXX added things have come to light : Compliant against BOTH : and have file with correct states : XXXX credit card-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio ZIP code XXXX And ( partnership ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, fl XXXX ( customer accts ) I intial asked both to : Resolution to XXXX credit card : 1. XXXX customer service and XXXX XXXX XXXX need to work together to fix my account. Bank has permission to show cus ser copy 's of billing statements, to review flex payments corrections.
2. The order created on XX/XX/XXXXis NOT to be added to the final credit card bill. I am seeking to know what I owe on my bill, from start of acct through XX/XX/XXXX. ONLY.
3. Please fully review and address credit card history from the start of the card throughXX/XX/XXXX.
*First, Please remove of all postal charges to all items added on my account, as I have only ordered items with the Advertised return shipping labels. I have met all requested steps to comply with returning items as needed with the appropriate labels.
4. Next, please review my XXXX history and XXXX posted amounts on all of my purchased items, to ensure that I was billed correctly with the appropriate price on the items/w taxes, that I currently have now. ***This step is not negotiable as my last billing statement alone had multiple billing payment errors on it. This would also be easy see and correct with computer software.
5. Please view and address all over payments ... ..with the interest charges on my credit card account for each month and CREDIT my account back accordingly.
Ideally, I would like to have one rep. contact from XXXX XXXX XXXX and one from XXXX customer service via an email. This would help if someone had questions or if I had questions for them. I will be reviewing my statements for errors as well but I will need to know that I can contact somebody, if I find additional errors, to ensure that they see the same thing that I'm seeing.
I am very disappointed in XXXX customer service and XXXX XXXX XXXX with the handling of my account to date. I am stressed and frustrated and I want these basic issues addressed on my account ASAP. I just want to get account paid off and get XXXX and bank out of my life.
Be very clear, I will not be sending another payment on card until I am 100 % sure of what I am paying for and what I am paying on.
I am done with both XXXX customer service and XXXX XXXX telling me to call one another in order to fix my problems and I'm tired of being ignored.
***BOTH complanys have worked to create this mess and they both need to work together to fix errors.
As of XX/XX/XXXX : Both companys REFUSE to fix my acct or talk with me, acct continues to spiral out of control with interest and both company are continuously harassing me thru : calling me, texting me and email me to pay my bill.
The first major problem I had is XXXX XXXX XXXX and XXXX XXXX XXXX credit card XXXX XXXX XXXX would not identify if they were the same agency or two separate agencies in this process. Neither agency would clearly identify what their role in the billing process was, so I found myself very confused throughout this process in trying to get my issues address. Neither agency took the dispute of my balance seriously. Both agencies has allowed my disputed balance from XX/XX/XXXX to " snowball '' into added interest and in XX/XX/XXXX have started massively harassing me to pay my bills : by text messages, emails and numerous automated calls to my phone. I find this harassive and stressful.
I have contacted the Better Business Bureau in Florida and Ohio on both agencies and there was no response from the companies to resolve the issues on my acct. I have gone on to report issue to the Federal Trade Commission and to the Consumer Finance public Bureau for resolution. To date both companies REFUSE to help resolve my acct issues.
**Consumers need to be aware of how their XXXX credit card is being mannipulated and fraudulently being handled. With what I have been finding out of over time, XXXX and bank, owes me money.
1. I have been randomly charged postal fees for return items even though I have used the free return labels as instructed by XXXX.
2. I have returned unwanted items back to XXXX in a very timely manner however those returns have been held until the next billing cycle. This has caused 26 % interest charges in items that i did have and that I found out, that the company held. I see this as fraudulent.
3. I have been sending over- payments monthly to my credit card, to pay off items that I wanted to buy. What I found out however is that the items that were on XXXX XXXX XXXX, is locked in for those months, selected, with no exceptions. I see this is fraudulent.
* '' * Consumers are not aware of this as this clearly does not give the consumer the sales or special prices on items that they purchased. * '' *Faliure to inform consumer ... ...
4. I have also asked XXXX customer service where my extra money has been gone and they WILL NOT TELL ME where my over payments have gone, over the time of my account history. 3yrs I see this as fraudulent.
5. neither agency appear to want to help me with my ongoing account concerns. Each agency tells me to call the other.
6. I found out in this process that the bank in XX/XX/XXXX had a major lawsuit against them for mishandling of cinsumer accounts. I am finding myself currently in a similar situation from the issues that were going on in XX/XX/XXXX with this Bank.
7. doing this process I have constantly been referred to call the front line clerks about my issues. Both companies REFUSED to provide me with a higher level of contact to address my higher-level of needs on my account. Both agencies line clerks were very LIMITED as to what they could do to help me. BOTH AGENCIES XXXX XXXX XXXX ALSO VERIFIED THAT THEY WERE NOT AWARE OF DISPUTED BALANCE OR ANY OTHER NEED AS LISTED ON THE ACCOUNT THEY HAD ACCESS TO. I found this very unprofessional of both agencies to " dump '' this level of concerns on their line workers.
8. it has become clear that I AM owed money and not the other way around but company s are doing everything possible to not acknowledge this. I DO NOT APPRECIATE ANYONE STEALING FROM ME.
9. XXXX ADVERTISING PRACTICES AND POLICIES CLEARLY DON'T MATCH WHAT IS ACTUALLY HAPPENING WITH THE XXXX CREDIT CARD ACCOUNTS MANAGEMENT AND CONSUMERS ARE PAYING THE PRICE FOR THIS.
8. it is very clear that I am the only one working to resolve my issues, while both companies sit back and let my account balance get out of control. I do not want my credit damaged because of their incompetence and I feel that consumers at this point need to be 100 % informed of what's going on.
Consumers need to closely review their accounts overtime and contact the : The Federal Trade Commission and/or cfpb to what's going on with their accounts.
Otherwise consumers will continue to be taken advantage of, overcharged for items that they're thinking they're getting sales prices on and will find out there is no reporting process with either company to address acct issues.
Both companies clearly have no interest in addressing any account issues with the consumers that they serve.
**What started out with a personal issue with the wrong balance of my account, has now spiraled into much bigger concerns to consumers in general and the issues do need to be addressed immediately.
Send my Refund ASAP.
02/23/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
FL
33023
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. CB/VICSCRT Account Number : XXXX This is not mine.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX CC : XXXX- TXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
09/02/2017
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
OH
45229
Web
Older American
On Wednesday morning, XX/XX/XXXX, I received a phone call about a credit card debt that had been charged to me that was in collections in the amount of {$65.00}. A caller who identified himself as " XXXX XXXX '' stated that the debt was connected to a XXXX Credit Card. I told him that I never signed up for a XXXX credit card. He stated that he represented XXXX XXXX that handled collections for XXXX credit cards.
I told him that I rarely shop in XXXX and when I pay it is either in cash or with a debit card. When I asked him what these charges were for, he said that he could not find that information in his records. I told " XXXX XXXX '' that I did recall a XXXX check-out employee promoting a customer loyalty card and a credit card. I declined the credit card but agreed to the loyalty card. I told XXXX XXXX to note his records that I was disputing this debt. When I insisted on a transfer to either XXXX customer service or to his XXXX XXXX supervisor, I was disconnected.
I thought " XXXX XXXX 's '' call was a senior citizen scam because there was no phone number that flashed up on my telephone when he called. When I asked " XXXX XXXX '' for the phone number to XXXX XXXX he gave me XXXX. I told him that I would be calling and writing directly to XXXX and to XXXX XXXX about this situation. When I asked to be transferred to his supervisor or to XXXX Customer Service, " XXXX XXXX '' disconnected me.
The following morning, Thursday, XX/XX/XXXX, I received another call ; this time from " XXXX XXXX XXXX. '' He also stated that he was from XXXX XXXX and accused me of having a XXXX credit card debt. When I asked him when this account was opened, he gave me the date of XX/XX/XXXX. He said that XXXX XXXX had no record of any payments ever having been made on the account since it had been opened. He also stated that the amount that I was responsible for was {$65.00}.
One of the most uncomfortable issues I had with both of these XXXX XXXX calls was I had to identify myself by name, address and the last 4 digits of by Social Security Number. " XXXX XXXX '' also stated that my record did NOT show that the amount charged to me was in dispute as i had told " XXXX XXXX XXXX. '' However " XXXX XXXX '' stated that he would take care of making that notation on my record.
When I asked " XXXX XXXX '' to transfer me directly to XXXX Customer Service, he gave me the following " Customer Care '' number of XXXX. Dialing that number led me to " XXXX '' who also asked for my personal information prior to engaging in a conversation. " XXXX '' identified himself as a member of the XXXX XXXX collections department. I told " XXXX '' that I had asked to be connected directly to XXXX Customer Service, but that XXXX XXXX employees were just referring me in a circle within XXXX XXXX. I let him know that I was very upset at what I was beginning to understand as a fraud situation, where a credit card account was opened in my name without my permission.
I explained to " XXXX '' as I later had to explain again to " XXXX '' in the XXXX XXXX Fraud Department on the morning of XX/XX/XXXX, that it was becoming apparent to me that I had become the victim of a problem that originated at the XXXX cash register check-out. I recalled that a young XXXX clerk presented a loyalty shopping program and credit card as two separate items. She had difficulty explaining to me the features and benefits of the program. I like loyalty shopping cards. I do not like credit cards and I made that point at the cash register to the employee. I did recall that an older woman assisted the younger clerk at the cash register with some in-puts. The way the program was explained to me, I was simply providing my information for a loyalty shopping card ; not a credit card.
More importantly, I paid whatever I owned XXXX either in cash or by a debit card when this " transaction '' apparently occurred back in XXXX of this year. " XXXX '' transferred me the " XXXX '' in the XXXX XXXX Fraud Department. I recounted the entire problem to her. I also asked her what I had supposedly charged. No one at XXXX XXXX could answer this question. " XXXX '' stated that I had charged {$3.00} She could not tell me what this charge was for.
At this point, I absolutely knew that I had become a victim of fraud that probably originated at the XXXX store, either by an ill-trained ; incompetent ; or " over-incentivized '' XXXX employee who was under pressure to sign-up as many customers as possible on credit cards, presented as a loyalty card.
The other possibility is that XXXX XXXX could be at fault, although I did not discuss that with their representatives. The reason I believe that possibility is that " XXXX '' in the XXXX XXXX collections department told me that his employer does the credit card program for XXXX and other major retailers. Someone at XXXX XXXX could have misinterpreted or purposefully channeled my information into a credit card program which I never agreed to.
The reason I think XXXX XXXX may have played a role in victimizing me was their economic incentive. When I asked " XXXX '' in the XXXX Fraud Department what I supposedly charged for {$3.00} she could not tell me. I would not enter a major retailer like XXXX and charge such a small amount. When I asked why I was being held accountable for {$65.00} when the original charge according to them was only {$3.00}, she stated that {$65.00} amount represented late fees and finance charges, all profit for XXXX XXXX.
On the advice of my XXXX Counselor, I am filing this report and taking other steps to have derogatory information connected with this phony XXXX account removed from my credit reports. The XXXX store where this happened is located in XXXX, Ohio at XXXX XXXX XXXX, XXXX Ohio XXXX. Their phone number, which I have not called yet about this situation is XXXX. It is the only XXXX store I have shopped in this calendar year. I may never return after this situation.
" XXXX '' in XXXX XXXX XXXX Fraud Department stated that she would take the following steps : 1. ) Mark the account as fraud 2. ) " balance out the account to XXXX '' 3. ) remove the late fees and finance charges 4. ) " Once the account is at XXXX, she will issue a letter to all three credit bureaus that the account and the inquiry are to be removed 5. ) and, as I requested, that I be copied on that letter sent to all 3 credit bureaus about all of these actions.
I am reporting this to the FTC/Consumer Financial Protection Bureau because as a senior citizen, I believe that someone either representing XXXX XXXX or XXXX XXXX targeted me in this situation and tried to take advantage of me. Also, I needed to document this issue as I pursue a 90 day fraud alert with all three credit bureaus. I did not report sooner, because I do not have internet access at home and had to wait until the weekend to file this report from a public library computer. Also I am very uncomfortable because in dealing with XXXX XXXX, they asked for and received from me my personal information. I trust neither them nor XXXX. I also intend to file a complaint with the Ohio Department of Commerce and the Ohio Attorney General 's Office, which is advice from the XXXX Police Department 's fraud unit.
07/26/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NJ
07901
Web
I am XXXX XXXX, and the author of this complaint. I am not a Credit Repair Agency nor counselor, I have just learned to love the DATA. The screen shots provided in this complaint, are from credit reports accessed through XXXX and XXXX itself, and by me with my PII data.
Do Not Contact remains.
As such, as part of, and then the result of this investigation, I request the method of verification from this complaint and then a printed, USPS, mailed Credit Report from each CRA named in this complaint and then as allowed by all rules/mandates.
This is not and has never been, a request for Validation of Debt ( referred to as VOD in this complaint ). I do not and have not asked for any VOD documents.
Accounts within this Complaint Comenity Ann Taylor and Ann Taylor MC CRAs in this complaint XXXX and XXXX Instead, this complaint has always been about FCRA and FCDPA and your responsibilities as a Data Furnisher and the ONLY Creditor tied to this tradeline, and as the Original Creditor ( owner of this record ).
Comenity - Please REPORT any clarity you would then like to draft a letter for, and this is exactly what the complaint is about. Report it do not send/attach a letter. No one outside of me will see it unless you report it accurately.
When life happens, report it accurately for ALL consumers, that is my intent and goal at this point.
My attachment is my own, proprietary and not authorized for anything or anyone/or use, outside of this complaint.
The Tradelines in this complaint is Ann Taylor and Ann Taylor MasterCard. This complaint includes ALL of the CRAs, for now however, XXXX and XXXX.
When you acknowledge/begin understanding, that this tradeline is inaccurate, and incomplete, please either fix it or delete it.
All I have access to is the RESULT of whatever you all are doing/not doing, the gap in my space is that I neither produce the file, nor am I the end system/recipient of the data in the integration/file. But - I love data and forgot, that I did this blindly for over 20 years.
For this complaint its really only between whoever sends the data and loads it. Own your expected result CRAs fix it with the DF when its not, and as governed.
I am nowhere in the/this FIX. I will point put the erroneous data, errors and for free, for now. This complaint is a bit long detailed and tied specifically to the data elements existing within my credit report ( s ) and its compliance with Metro2 Guidelines and that of Data Accuracy with the CRAs and then FDCPA.
I will say if it is happening to me, its systematic CFPB, and then happening to all customers with an adverse ( or possibly clean ) account with or from Comenity. A file is a file. Integrations are Integrations, exceptions are coded.
I will suggest that your existing, and robust IT Teams assist in the complaint, as it is tied specifically to Consumer Data, Credit Profiles, Credit Reporting, Integrations, Files, Data Furnisher Databases, Flat files, Compliant Files, CRA reports, CRA Views and Metro2.
Your response to the original complaint is posted below.
We're no longer the creditor on the accounts. Contact information for the new creditor is included in the uploaded response letter. We decline to delete the accounts from the credit report. Weve verified were reporting the accounts correctly to the credit reporting agencies. Were required to report factual information. Thank you again for that response Comenity.
You also attached responses, one of which is attached as XXXX XXXXFinal Response CB ( 1 ) Added XXXX CFPB, a section of it is pasted below.
Were reporting the accounts correctly, as required by law. Weve verified that were reporting the correct information regarding account closure dates, first delinquency dates, account number, payment history, date of last activity, etc. Additionally, although the accounts are closed, we do advise the credit reporting agencies of the credit limit on the account. For more information on how the credit reporting agencies may reflect this information, or general questions about information in your credit report, please contact the credit reporting agencies by using the following information : Comenity ( Original/Only Creditor ) - I am relying on the FTC rules that govern you, as a both the Original Creditor/ Lender and Data Furnisher on this tradeline.
FTC Site Definition of Debt Collector/Creditor XXXX XXXX XXXX You will want to refer to section 803. Definitions ( 6 ) and ( 4 ) And then, ECFR, governance on your responsibilities is defined here.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Repeated A Few things of note with this complaint and then the response provided by Comenity.
1. There is an absolute and then compliant difference between a Creditor/Lender/Credit Grantor and a Debt Collector 2. You Comenity, are both the Original Creditor and then, the only Creditor associated with the account. Your responsibilities as a Creditor, remain.
3. Whoever you sold this account to becomes the Debt Buyer/Collector. See definition of a Debt Collector/Buyer 4. You are the Data Furnisher for this Tradeline and YOU are reporting data to this Tradeline and have created its current state.
5. The complaint is about your TRADELINE 6. Your last reported dates on my report is XXXX to XXXX respectfully and across all CRAs, deltas/changes are in fact traceable and even reported by Comenity.
Your Dates of First Delinquency ( FACRA Dates ) Pay, Rating Balance History, Available Credit, Account Status etc are a bit suspect.
I am attaching, as screen shots, and from many sources including raw credit reports from the CRAs themselves your tradelines. Comenity, said in their original response : Weve verified were reporting the accounts correctly to the credit reporting agencies. Were required to report factual information. And Weve verified that were reporting the correct information regarding account closure dates, first delinquency dates, account number, payment history, date of last activity, etc. Additionally, although the accounts are closed, we do advise the credit reporting agencies of the credit limit on the account.
Thank you for providing and then acknowledging your commitment to accuracy, and then the data you sent/send to the CRAs.
Comenity/Creditor/Original Creditor, is reporting this Tradeline To XXXX/XXXX/XXXX, sourced from a XXXX as a raw Credit Report ( directly from the CRA, not online report ) XXXX, that results in this, see attached as : Comenity AT Both 3 CRA I then, dispute the FCRA DOFD and based on your reporting in this Tradeline.
I also assert this tradeline is both incomplete and inaccurate. This complaint demonstrates the data issues between Comenity and then the CRAs.
This is not my battle, unless it goes to court. The Data exchange between the OC/DF and the CRA with due diligence, and or discovery can and will flush this out. XXXX in theory verifies the true expected results Comenity is saying is acceptable.
Please Fix the tradeline, to ensure Comenitys Data Accuracy goal is attained, and with understanding of Metro2 - and true expected results - or delete it.
08/01/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
MD
21144
Web
Servicemember
XX/XX/XXXX To whom tis may concern, My complaint is in regards to the Comenity Bank and all associated credit cards that they deal with. Up until recently, between both me and my husband ( XXXX XXXX ), we had over 17 credit cards in good standing with Comenity and paid to them on time. In XX/XX/XXXX, my bank, XXXX XXXX XXXX had a cyber issue that froze our auto-payment accounts. The resolution of getting the bank to release the funds and fix the payments went on for months. In reaction and concern for all my bills, I sent out the bank-generated letter to all involved, which included Comenity Bank. Comenity Bank started with one account ( already open and I believe it was XXXX ), checked on my credit, and decided to cut down my credit. Then, they went on to the next account ( after that one was done ) and cut that credit down, way below what I still owed, implying that I was buying above my means and my debt ratio/credit report was severely affected by it. They continued to do this and caused a debt ratio issue, using the credit report agency as their reasoning for or it. For instance, I owed XXXX XXXX around 1400 dollars and they cut my credit limit down to XXXX, after checking my credit and using the report ( which was their credit cards they pointed out they caused the report issue ), as a justification to do that. I sent in complaints to the companies, Comenity and credit reports. I sent in the documentation from the bank and copies of the letters from Comenity, justifying their actions. At least five credit cards were cut down was significantly done below the amount due, thus, making it look like we don`t pay our bills or live beyond our means. Up until that hiccup, that was not our fault, we had ongoing payments and on time. In other words, they owned the credit cards and bills to the accounts that caused this domino effect and did nothing about it. Their justification was the reporting agency, which they reported the information to, that justified their actions.
Since we could not pay everything at once, off and they screwed up our credit to even look at a consolidated loan pay off, I turned to a credit repair company to STOP the consistent deductions of credit limits. That was ongoing, I would pay down a bill and they would reciprocate in making the limit even lower. In addition, payments were arranged which caused, according to Comenity, to close all the accounts, since they insisted using XXXX XXXX would make them do that as part of the agreement. Closing accounts is a bad thing for credit history. I would have simply paid them down as usual and off.
In the mean-time, I sent all of this to XXXX XXXX, whom was working on removing a few negative items from my reports, and they did absolutely nothing about Comenity` s actions.
With the exception of XXXX ( not completed, yet ), none of the other reporting agencies have acted upon or investigated ( especially with providing proper documentation of what was being done and what was provided in the end of the investigation ). They just left my credit report, as is and not force results with these creditors. I was ultimately set up to have my credit ruined by Comenity Bank. Having a reply that they investigated and found it to be right, okay, prove it! Comenity Bank has mixed rules, some accounts do not report with one 30-day issue, and others do. In addition, I asked for help with the late fees, some did - few and some didn`t help me.
Last, their actions have caused issues with my job, since my and my husband`s credit report is looked upon for employment. I made that clear to all involved. I could lose my job ; this was many accounts. I have very few other cards, so the ratio destroyed my credit.
Did Comenity Bank`s as a reaction to my informing them of the Bank glitch , lower my credit limit way below the original limit and the amount owed, legal? It happened right after I notified them. I believe it was spiteful and deliberate to hurt my credit. Their reaction was, in my opinion, targeted. I asked them, since they closed the accounts ( due to XXXX involvement ), to put the credit limits back that would help my credit score and reports, while they are paid off. No reply, no resolution.
Now, according to XXXX report, they make it look like it was at that amount the past months, the report is highly incorrect for all of the accounts. Past credit, limits were falsely adjusted to reflect the current limit, not showing they dropped the credit limits, recently. They should be stricken from my reports, for deliberately reporting false information. I am sure this is going on with the other three credit reports.
Last, by law, I demanded they provide proof of the reported information and documents to justify it. I should not have to give it to them ( as their consistent generic generated reply-letters state ) ; they prove the accuracy of their reports or remove the information at once! I sent letter since at least XX/XX/XXXX until present. Comenity Bank ignores me and at least two of the credit report agencies - reply that they investigated the issue, but do not provide proof from the creditors on what was reported and the documented conclusions of their findings. I just simply receive an updated report with the same information on it. I went from being a stellar customer for years and it turned to having them ruin my life, this could effectively make me lose my job! This was presented to me during my reinvestigation. I was in shock. I let them know it effects my job. I pay them and will pay what is owed. They should make good with their actions. They cut my credit to force me to pay them faster and I can`t do that.
I had multiple late fees to pay, on top of all the issues caused by the incident that started it all in XX/XX/XXXX.
Please enforce the law on not only the actions, lack of reactions, but also, how this has affected my life and financial history. I am very upset over my future and never saw this coming. I am not a dirt bag consumer ; I pay my bills, on time and to the best of my ability. They will be paid, what/why and how do they get away with all of this?
Last, recently, Comenity has made sure they added credit cards missing from other reports were just added to the credit reports, to ensure full damage ( not all were on the all reports, until very recently ). I want them removed from all my reports, this investigated and I be provided remedies. Hard working people and good customer should not be treated like this. This is stressful and I lose sleep at night.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Cards put on XXXX to pay off Comenity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/19/2022
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
Web
( Please see attachments for formatted version of this description ) -- -- -On XX/XX/XXXX I was notified by my parents that they had received a credit card ( Forever 21 card issued by Comenity Capital bank ) at their address in my name, which also came with a first bill with charges totaling {$490.00} made on XX/XX/XXXX and XX/XX/XXXX at the Forever 21 shop in XXXX XXXX XXXX IL XXXX The statement closing date was XX/XX/XXXX with payment due data of XX/XX/XXXX.
I was not aware of this card nor did I make the charges. I live and work in the XXXX since XXXX where I also have a family and own a house. I was not present in the US at the time this card was opened or when the charges were made.
I immediately contacted Comenity Bank on XX/XX/XXXX and informed them that I did not open this card and that I dont live at that address and was not present in the US when these charges were made, and that I had been the victim of identity fraud. I wanted the account and liability immediately removed from my name. The representative on the phone said this appeared to be a clear case of fraud and the account would be removed from my name and transferred to their fraud department for further handling. I was led to believe that no further action was needed from me.
Meanwhile I also contacted XXXX and put a hold on my credit and a fraud alert and opened a dispute against the fraudulent card. Through XXXX I discovered that the person who stole my identity and opened this card fraudulently used an old phone number for me ( which has not been in service for some years ). The address as well is that of my parents instead of my current address. On XXXX XXXX I filed my first complaint with the CFPB and on XXXX XXXX with the local police department where the fraudulent charges were made ( XXXX XXXX, IL ). Recently, on XX/XX/XXXX I have also filed a report of Identity Theft with the FTC.
Through my earlier CFPB complaint I received the finding from Comenity that Our Account Protection ( Fraud ) team completed the fraud investigation and found no basis to support the fraud claim. As of the date of this letter, the balance on the account is {$490.00}. You are responsible for this balance. We reviewed the applicable telephone calls. We werent able to locate any instances where our representative agreed the account was fraudulent and/or advised the account would be removed from your credit file.
I categorically and fully contest every part of the companys response to my complaint and it is clear they have not given this a conscientious or thorough review. They have apparently not taken into account that I do not live in the US nor was present when this credit card was opened and used in a physical store location, as I reported in my first and only conversation with Comenity on XX/XX/XXXX. They did not, and still have not provided me with clear or correct information regarding the process ( like the fact that apparently there is a full burden of proof is on me ), that I needed to prompt further investigation, or that I needed to supply specific evidence. Moreover, their fraud line representative misled me into believing this was going to be handled as a fraudulent account without further action needed from me ( though they apparently do not find in the call recordings that this conversation took place, though I only spoke to one representative by the time I filed the CFPB report ). They have not provided me with complete info about the account and opening of the card that I can contest with evidence, for example precisely when/where the card was opened. Based on the statement dates and activity I assume this was opened at the Forever 21 shop in XXXX XXXX, IL at some time in XX/XX/XXXX, and therefore the evidence I supply here is based on that assumption and the two known transaction dates of XXXX XXXX XXXX at the physical Forever 21 shop in XXXX XXXX XXXX IL.
I insist that Comenity now once and for all and completely remove this account and liability from my name and credit report. To support this I provide additional evidence here, specifically around the fact that I live in the XXXX, not at the address used to fraudulently open the card, and I was not physically present in the US at the time the card was opened and charges made at a physical store location in IL. If this is not sufficient for Comenity I ask them to inform me specifically what evidence they are expecting from me.
I attached the following information in support of my request, and can submit additional pieces of evidence if Comenity provides me more information about how/where/when the card was initially opened or informs me of what specific pieces of evidence they are looking for.
- a copy of my full passport showing that I was only present in the US in 2021 from XX/XX/XXXX through XX/XX/XXXX ( in two parts to keep to under the 10MB limit ) -corresponding copies of boarding passes for those flights -a copy of my XXXX ( XXXX ) residency permit, showing that I am a resident here -a copy of my XXXX ( XXXX ) drivers license -a copy of my local XXXX insurance policies via my bank here, XXXX XXXX, including the XXXX XXXX '' or personal liability insurance showing it is active since I moved to the XXXX in XXXX and showing my current address in The XXXX -A copy of my official US economic stimulus payments to me at my current address in The XXXX, proving that this is the address I use for filing my US taxes and is formally recognized by the US.
-A copy of a dental bill to me at my current address in the XXXX showing that I was present in the XXXX during XX/XX/XXXX.
-A copy of my local tax bill showing that I am the owner of the house in The XXXX in XXXX -A copy of the first page of the transfer of the deed to the house in the XXXX in XXXX, proving that I own this house since XXXX -A ( partially redacted ) copy of my payslip from XX/XX/XXXX showing that I am employed locally in the XXXX with this company since XXXX, and showing my current address in the XXXX.
-A copy of the police report I filed with the XXXX XXXX Police Dept in XX/XX/XXXX -A copy of my FTC Identity Theft report Note : Throughout the entire process it has been nearly impossible to file complaints or get my credit information as I am blocked from all credit bureaus when trying to access their sites from a non-US IP address, most activities require setting up an account with a US phone number for receiving activation or authentication codes. For example, filing the police report was difficult because the normal process is to have an officer call you back when they are available to take down the report but they can only call US phone numbers. And the police report needs a local US address and US phone number. Even the FTC site is essentially impossible to use from a non-US IP address, does not accept international phone numbers. Filing this report took me an extra month to do than should have been needed and I needed to have a family member go through the online process locally in the US and file on my behalf. Issues like these are the reason for delays on my side.
04/15/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
FL
33018
Web
In XX/XX/2021, I was shopping for a sectional with recliners for my living room. Because I have two sons who are XXXX '', I wanted something that was not only comfortable but that would accommodate my sons. I was looking at options on the Internet and I saw a sectional advertised on XXXX XXXX XXXX 's website that caught my eye. XXXX XXXX touted that sectional as being incredibly comfortable by describing it as " comfortable seating for the whole family '' ; the " best amount of comfort '' ' ; providing " full comfort '' ; etc. ( see attached descriptions ). I subsequently visited XXXX XXXX 's store in person and met a salesperson named XXXX. I specifically told XXXX that I was looking for a sectional that was comfortable and could accommodate my sons who are XXXX ''. XXXX showed me a few sectionals, including the one that I saw on the Internet. I was reluctant to sit on the sectional due to the XXXX pandemic but I sat on it anyway for a few minutes. I obviously could not tell whether it was comfortable so I asked XXXX whether the sectional was as comfortable as touted on the Internet. I also asked about the size because it appeared narrower that the couches I had at my home. XXXX told me that XXXX XXXX had been selling that model for many years and it was very popular so it had to be comfortable. He also told me that it was a XXXX style so it would be slightly smaller than most sectionals but not by much so it should not be a big deal. I again stated that my concern was that my sons fit in the recliner and he assured me that they would so I purchased the sectional and paid approx. {$3500.00} for it including delivery with their promotional advertisement of no interest payments by charging it on an XXXX XXXX credit card. When the sectional was delivered weeks later, it was not comfortable at all. In fact, it was as hard as a rock. When one of my sons visited me and sat on the recliner, I was shocked to see that he did not fit in it as his feet were hanging off the end. At that time, I realized that I had been lied to. I called XXXX XXXX and left a message for XXXX but he never called me back. I called again a few days later and learned that he was no longer working there so I asked for a supervisor and was told that the supervisor was busy but would call me back but he never did. This pattern of me calling and leaving messages for the supervisor that were unreturned continued for some time until XX/XX/2021 when I called and asked for the name of the supervisor. I was told it was XXXX so I left another message but again XXXX never returned my call. I called back on XX/XX/XXXX and complained yet again. XXXX finally called me back that afternoon and after listening to my complaint said there was nothing he could do. I asked to speak with his supervisor ( which he said was Adonis ) and after placing me on hold for a few minutes, XXXX came back and told me that XXXX ' answer was the same as his. I pleaded to please allow me to exchange the sectional for another one due to the misrepresentations that were made to me and the deceptive and misleading advertisements but he again told me no. I then noticed that the XXXX XXXX credit card statement which I used to finance the sectional stated that I could commence a dispute if I was not satisfied with my purchase so I called the number on the back of the credit card statement that same date ( XX/XX/2021 ). After explaining my complaint to the representative, I was told that she opened a dispute. The representative told me that none of the boxes that she could check fit my complaint so she was going to select one that appeared to be the closest. I told her that that description was inaccurate and she told me not to worry because someone from the bank would contact me later to request additional information and I could provide it at that time. I waited and waited but nobody from the credit card company contacted me. On XX/XX/2021, I received a letter dated XX/XX/2021 from Comenity Bank stating that the bank was researching my claim and if it would send a notification to my address on file if it needed additional information. ( see attached letter ). Upon receiving the letter, I called the bank for an update and was told that my claim was denied. I asked how my claim could be denied when nobody called me for the additional information and the representative ( a male whose name I do not recall ) initially told me that it was because the bank requested information from me but I never provided it. I stated that nobody from the bank ever contacted me and asked how the request was made. The representative told me that an email was sent to me at " XXXX ''. I told the representative that that was not my email address and asked him to read to me what the email said. He then put me on hold and returned after a few minutes telling me that my claim was denied because XXXX XXXX had responded to my dispute and stated that the merchandise was not defective. I explained that I never claimed the merchandise was defective but my complaint was about the deceptive and misleading advertisements and the misrepresentations that were made to me in the store. The representative told me that there was nothing the bank could do and that I needed to try to resolve my dispute with XXXX XXXX. I then asked to speak with his supervisor and I was connected with a woman named XXXX. I explained everything to XXXX and she told me that I could resubmit my dispute or try to resolve it with XXXX XXXX. I asked to speak with her supervisor and I was connected with XXXX ( not sure about the spelling ). XXXX told me that Comenity Bank had paid XXXX XXXX for the purchase and the only way that I could get a refund or exchange is if XXXX XXXX agrees to it. I told XXXX that I had tried to resolve my dispute with XXXX XXXX and was told there was nothing they could do. I also explained that XXXX XXXX is never going to admit that its advertisements were misleading and deceptive and that it would never admit that its salesperson made misrepresentations to me. I also explained that Comenity Bank had mishandled my dispute. XXXX apologized and said that she would try to resubmit my dispute but there was nothing else the bank could do. I would like the CFPB to investigate XXXX XXXX and Comenity Bank. Their dispute process appears to be an utter sham. How can credit card company ( Comenity Bank ) tell a customer who was ripped off ( me ) that the only way to get a refund or exchange is if the merchant who engaged in the wrongdoing ( XXXX XXXX ) agrees to it? Under that scenario, no customer would ever get their dispute resolved fairly. That is a sham process and it should be investigated by the regulators. Credit card companies should issue refunds to customers who get taken advantage of and should issue a chargeback to the merchant. The consumers should not have to suffer because of this sham dispute resolution process. I would like the CFPB to refer this to other agencies as well as I am sure that I am not the only consumer who is going through this nightmare.
07/31/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
WI
53118
Web
I made a purchase at XXXX XXXX XXXX XXXX XXXX for the amount of {$5700.00} on XXXX. I financed through Comenity and signed up for the 18 months 0 % interest finance plan. Shortly after creating an online account, a representative helped me setup automatic payments to pay my plan in full. See confirmation email below ; No stamps, no late payments, no worries. I managed my account through the online portal ( customer dashboard ) noticing the payments were correctly being displayed and applied to the plan that I signed up for. I am writing to dispute a balance in the amount of {$1300.00} on my account. This is the amount of accrued interest I received after my last payment of {$260.00} was taken out of my account ( according to Comenitys automatic payment plan ) 13 days AFTER the 18-month promotional plan I had signed up for. I believe the penalty of the FULL accrued interest on the original purchase amount is unfair and erroneous due to the discrepancy between the automatic payment schedule and the promotional expiration date, as well as the lack of communication and alerts Comenity provides to inform customers of this inconsistency. After speaking with a customer service representative on XX/XX/XXXX ( the day I received an email for a new statement including the {$1300.00} accrued interest penalty, billed XX/XX/XXXX ), I was informed that the billing cycle might extend past the promotional date, and on the billing statements- there is a disclaimer printed in small red lettering stating the discrepancy between these two. I explained to several customer support members that I was not receiving this information and that this message is not stated meaningfully and clearly on the website or through any other avenues of communication ( emails, text messages, secure message center ). I was appalled at the deceiving structure of the automatic payment schedule. It is NOT in the customers best interest to have a default payment plan setup to have them fail at paying their full balance by the end of the promotional term to which they signed up for. For a system completely created and organized by Comenity, it is deceptive and negligent to have the default minimum monthly payment less than required in order to pay the full account balance by the end of the promotional terms. The term automatic [ payment ] should and does not equate or extrapolate to manually having to change the payment amount in order to meet the promotion deadline. Unbeknownst at the time of signing up, Comenity roles out a payment plan/schedule that runs into the 19th month, which is one month past a customers promotional period ( of an 18 month promotional plan ). It must be understood by Comenity that customers are trusting that their services are setup fairly and honestly, and with intent to make their customers happy and satisfied. Customers do not know what they dont know upon signing up for a promotional plan and therefore are relying on customer services to successfully guide them through the process. Comenity should be required to provide customers with a payment plan that matches their promotional period. Even taking into account a processing period, the default minimum automatic payment amount should be increased ( by Comenity ) in order to pay the entire account balance prior to the 18th month. Or, customers should receive a statement with the remaining account balance, the month prior to the promotional end date. It is because of these flaws and gaps in Comenitys business methods why I ( as a loyal and honest-paying customer ) am experiencing such frustration- much of which employees on Comenitys side seem to understand, agree with, and be all too familiar with. Its these reasons why I am very dissatisfied with the services provided to me by Comenity and I only see it right for Comenity to do everything in their power to make reasonable accommodations/adjustments. My experiences with customer service have been disappointing and irresolute, having over five conversations with team members. Multiple Comenity representatives expressed their sympathy, agreeing with the above statements Ive outlined. One or two members have told me they would reverse the penalty on my account if they could but unfortunately, they do not have the proper authority ; to which I requested I be transferred to the next manager that could. Customer service representatives claim to add notes to my account detailing each conversation however ; each new phone call is at least another ten to fifteen minutes having to explain the situation up front, which is very redundant and time consuming. This is not quality customer care. At the end of my discussion with XXXX, an account manager, on Friday XX/XX/XXXX, he admitted that the system is misleading and not set up for customers to succeed in meeting their promotional deadlines. He expressed how sorry he felt for my wife and me and wished he had the authority to adjust this penalty. After hearing this, I requested that I speak with a higher manager, after which XXXX transferred me to a senior account manager, XXXX ( ID # XXXX ). I had a brief discussion with XXXX explaining my confusion and disagreement regarding the accrued interest charge applied to my account. She acknowledged the issue and told me that she would reach out to the dispute team to clear this up. Due to business hours, she said she would have to follow up with me at a later date. She told me that she would give me a call around XXXX my time ( in Wisconsin ), Monday XX/XX/XXXX. I verified my phone number with her and she provided her ID number in the event that there were any disconnections in communication. I never received a call back Monday the XXXX. I followed up by calling again Tuesday XX/XX/XXXX where I spoke with another representative who told me that I was providing erroneous information regarding any scheduled call back, and explained that Comenity representatives/managers dont typically schedule calls. I was not pleased with this inconsistent information being told to me between representatives. I requested to be transferred to another manager. I talked to XXXX ( ID # XXXX ) who apologized for the inconvenience and said she sent a message to XXXX who she confirmed to be in the office that day. After a few minutes, XXXX told me that XXXX was busy at the moment but that she would personally follow up with XXXX regarding my call, and either her or XXXX would follow up with me over the phone in a timely manner. I have now waited over a week with no response or updates from any Comenity representatives. I sent a letter explaining my frustrations and request for resolution to Comenity Bank 's dispute department at XXXX XXXX XXXX XXXX, OH XXXX on XX/XX/XXXX. The letter was sent USPS certified mail, and I have confirmation that the letter was received XX/XX/XXXX. Today 's date is XX/XX/XXXX, I have not been contacted by a Comenity resolution to discuss this matter. I believe I have made a good faith effort to resolve the issue with the company before submitting a complaint.
08/03/2021
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
NM
87124
Web
I have an account with Comenity XXXX XXXX, by virtue of a purchase I made at XXXX XXXX XXXX in XXXX ( XXXX ).
In XXXX I submitted a payment which was mailed timely and processed late. The check I submitted in payment for XXXX in the amount of {$130.00}, dated XX/XX/XXXX. That was 4 days prior to the due date. I have no image since it seems Comenitys practice is to not return negotiated checks to the bank. The next statement indicated Comenity processed the check on XX/XX/XXXX, and the transaction hit my bank on XX/XX/XXXX. Comenity asserts it was received late which I dispute.
I sent a letter to the CFO of Comenity expressing my dispute dated XX/XX/XXXX, after being stonewalled by two reps of Comenity. I received no response. I sent a second letter disputing the assessment of late fees on XX/XX/XXXX, with a payment of the full outstanding balance of the loan from the purchase, as indicated on the billing statement. That amount was {$5300.00}.
This payment was recorded on the subsequent statement.
I received a letter from Comenity dated XX/XX/XXXX, in response to complaints filed with CFPB and XXXX. This letter was 44 days after the date of my initial letter. Prior to that date I received no letter from Comenity in response to my letters sent directly to them. I did receive a letter from Comenity dated XX/XX/XXXX concerning my dispute, which I presume was in response to my letter to their CFO. No dispute ID was shown in the letter. The response merely stated the issue was under investigation. The response time for both exceeds that permitted under the Fair Credit Billing Act.
The Comenity response to XXXX and CFPB was that the account was reviewed and was deemed correct. No other explanation or supporting documentation was provided.
The FCBA stipulates that I may withhold payment on the disputed amount ( and related charges ) during the investigation. " You must pay any part of the bill not in question, including finance charges on the undisputed amount. '' I paid undisputed charges, finally paying off the note. Comenity continued to assess late fees and interest, contrary to the FCBA.
The FCBA also states the creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. Comenity continued to assess interest and charges during the pendency of the dispute. Moreover, when I submitted my payment to discharge the loan, rather than adhering to my clear instructions, Comenity applied part of that payment to the disputed interest and fees, contrary to the FCBA.
I responded to the Comenity letter of XX/XX/XXXX, on XX/XX/XXXX, continuing to assert my dispute and presenting them with what I assert are factual errors on their part. Comenity historically processed payments within 4 days, which was also the time for my XXXX payment. Comenity began processing considerably longer than other credit companies I do business with in XXXX and after, and which has degraded in the time period shown.
I assert the issue with the payment processing is due to internal problems that Comenity is experiencing, probably related to Covid, particularly staffing shortages experienced by other companies.
On XX/XX/XXXX, I sent another letter to Comenity objecting to their XX/XX/XXXX letter and assertion that my XX/XX/XXXX payment was made timely. The XXXX payment timeliness was never in dispute. Comenity ignored my rebuttal to their previous letters. In my XX/XX/XXXX letter I asserted my rights under the FCBA, including wanting documentation in support of their assertions, and advising them of their violations of the FCBA, and finally putting them on notice concerning reporting to credit agencies.
The FCBA states that any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. I assert that in several areas Comenity has failed to adhere to the law. However the {$50.00} cap is meaningless in the context of Comenity continuing to assess late charges and interest, which is as coercive as it is wrong.
Given the other matters of this dispute, I fully expect Comenity to ignore the {$50.00} carve out, as they have ignored my dispute in general. This is not surprising when viewed in context with reports of class action suits against Comenity and a litany of complaints shown in the XXXX and CFPB records. There are also a long list of complaints on the Comenity XXXX page.
A Class action lawsuit filed on XX/XX/XXXX in United States District Court, Central District of California, Southern Division, against Comenity Bank, alleges improper debt collection practices.
Class action suits alleging violations of the Telephone Consumer Protection Act were filed in XXXX, and XXXX. In XXXX the company settled a class action suit filed under the TCPA for {$8.00} XXXX. This XXXX lawsuit was settled shortly after it was filed. Suits have also been filed against Comenity Bank for violations of the TCPA in West Virginia, Pennsylvania, and California.
The XXXX reports Comenity reviews of 1.04/5, which is very consistent with my experience. The specific reviews are abysmal. What is troubling is that my own review which I submitted a few days ago does not show up. The XXXX gives Comenity a F rating and the company is not XXXX accredited.
I examined the XXXX complaints shown on the web site and Comenity consistently responds with, We appreciate you taking the time to let us know you have concerns. We will begin researching immediately and will contact you when our investigation is complete.
There is no evidence that any resolution occurred. Moreover, the complaint I submitted, in some detail, is not even shown.
I examined reviews on ConsumerAffairs. Comenity has a rating of 3.5/5, but looking at the actual reviews in the last 12 months I only found one good one. Most of the rest were rated 1.
In XXXX the FDIC announced settlement with Comenity Bank and Comenity Capital Bank for Deceptive Practices.
It is clear that Comenity is a bad actor. This is my second complaint to CFPB. CFPB merely accepted the initial Comenity response at face value and dropped the matter. I submitted an extensive rebuttal, but I can not find it anywhere on the CFPB site. How can consumers be warned about bad business practices if the information is not provided? This complaint concerns not only the original issue of Comenity improperly assessing late fees and interest, but also for violations of the Fair Credit Billing Act.
I request that you contact Comenity and require them to discontinue their usurious practices, remove all assessed fees and interest, refund the amount I paid under duress and under protest, and close the account as I have requested.
09/24/2021
Yes
Credit card or prepaid card
Store credit card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
NC
28027
Web
CLAIM : This correspondence, administrative process serves as Notice of Service to VICTORIAS SECRET, / ( hereafter VICTORIAS SECRET ), and Notice of Intent to resolve this matter in a court of competent jurisdiction pursuant to 15 U.S. Code 1692 ( k ) if actions acceptable to the consumer, pursuant to law, do not occur within the allotted time. I XXXX XXXX, is a natural person, consumer pursuant to 15 U.S. Code 1692 ( a ) ( 3 ), and creditor pursuant to 15 U.S. Code 1692 ( a ) ( 4 ). I XXXX XXXX, is administrator for this account pursuant to 15 U.S. Code 1692 ( c ) ( d ). VICTORIAS SECRET violates 15 U.S. Code 1692 ( c ) ( a ) since prior consent has not been given by the consumer directly to the debt collector nor has the express permission of a court of competent jurisdiction been granted. Therefore all actions of " VICTORIAS SECRET '' are consistent with the actions of a debt collector. VICTORIAS SECRET, may not communicate with a consumer in connection with the collection of any debt. Pursuant to 15 U.S. Code 1692 ( c ) ( c ) this is a communication to legally refuse to pay the " alleged debt '' ( obligation ) to VICTORIAS SECRET for account number XXXX as directed by creditor / consumer XXXX XXXX pursuant to 15 U.S. Code 1692 ( c ) ( d ).
VICTORIAS SECRET did not give full disclosure of their intentions with my social security number, properly autographed/ endorsed documents, nor to me being a co-signer pursuant to federal law 16 CFR 444.1 ( k ). VICTORIAS SECRET did not disclose
that there would be an alleged debt pursuant to the emergency banking act [ HJR 192 PL 73-10 ]. VICTORIAS SECRET agents instructed that I sign as borrower, which is a direct violation of the FDCPA ( Fair Debt Collection Practices Act ), forcing a " consumer '' into an illegal contract. Which included installment payments, which is illegal because interest secures all debt obligations in the UCC ( Uniform Commercial Code ). I made the accommodation ( initial extension ) of credit in full consideration / satisfaction for the service obligations to VICTORIAS SECRET by my signature / autograph transmitted to VICTORIAS SECRET pursuant to UCC 3-419. The actions of VICTORIAS SECRET have been and continue to be false and misleading representations pursuant to 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) and 15 U.S. Code 1692 ( e ) ( 2 ) ( B ).
On XXXX XXXX XXXX the year of our Lord, XXXX XXXX XXXX XXXX an agent ( representative ) of VICTORIAS SECRET '' from XXXX XXXX, acted as a debt collector pursuant to 15 U.S. Code 1692 ( a ) ( 6 ) and 15 U.S. Code 1692 ( d ) ( 6 ). This debt collector threatened to terminate services for the consumer XXXX XXXX XXXX account number : XXXX if the alleged debt ( obligation ), 15 U.S. Code 1692 ( a ) ( 5 ), was not paid in full by XXXX XXXX XXXX the year of our Lord, XXXX XXXX XXXX XXXX. The services of the consumer are currently suspended for non-payment. The consumer has presented correspondence to two separately provided addresses, given by VICTORIAS SECRET. However, the services remain suspended, and VICTORIAS SECRET has not returned either endorsed negotiable instrument. These debt collection actions have caused mental and financial distress, stress / hardship which violates 15 U.S. Code 1692 ( d ) and the unfair practices violate 15 U.S. Code 1692 ( f ).
VICTORIAS SECRET actions are also in violation of TILA ( Truth In Lending Act ), whereby they did not disclose to this consumer the right to rescind within 72 hours. There is a rescission clause in every contract. given to you with my credit card
defined in [ 15 US Code 1602 ( L ) ] and it reads The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave you my social security number on a credit application, which is a negotiable instrument, properly endorsed, and you have not released the credit due me.
Pursuant to 15 U.S. Code 1692 ( g ), XXXX XXXX is challenging your payoff demands, and the validity and accuracy of asserted debts. Pursuant to 15 U.S. Code 1692 the consumer expresses the following : you are to cease and desist all communication to obtain this alleged debt 15 U.S. Code 1692 ( c ) ( c ) ; you are to terminate all alleged debt ( obligation ) collection efforts 15 U.S. Code 1692 ( c ) ( c ) ; all credits and forms of legal and lawful tender submitted personally by the consumer, since signing/autographing the initial agreement are to be returned immediately to the consumer in good faith c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC [ XXXX ].
The consumer grants VICTORIAS SECRET fourteen days to complete the instructions contained herein. Pursuant to 15 U.S. Code 1692 ( c ) ( c ) ( 2 ) and 15 U.S. Code 1692 ( c ) ( c ) ( 3 ) the creditor invokes the following specified remedies which will be executed if instructions are not acted upon : {$500000.00} in accordance with 15 USC 1692 ( k ) Release the surety and the debt ; discharge the alleged debt and bring the account to XXXX the right of subrogation satisfaction and consideration for the severe mental, physical, financial stress / hardship satisfaction and consideration for financial loss times 7 ( in accordance with proverbs 6:31 KJV ) the rights and benefits of the creditor against all persons who were liable for the debt satisfaction and consideration of {>= $1,000,000} in accordance with 15 U.S. Code 78ff ( a ) as the fine for for violation of THIRTY-NINTH CONG . SESS. II CH. 187, 188. 1867, page 546, March 2, 1867 CHAP. CLXXXVIL ; Fair Debt Collection Practices Act ; Emergency Banking Act of 1933, and 18 USC 1589 ( d ) FAIR RESOLUTION : VICTORIAS SECRET agents, associates and/or employees violated 15 USC 1692 ( False or Misleading Representations in Communications ; Unfair Practices ; Harassment or Abuse ) and THIRTY-NINTH CONG. SESS. II CH. 187, 188. 1867, page 546, March 2, 1867 CHAP. CLXXXVIL. In accordance with 15 U.S. Code 78ff ( a ) Penalties Fair resolution consists of : Release the surety and the debt ; discharge the alleged debt and bring the account to zero the right of subrogation consideration for the severe mental, physical, financial stress / hardship and loss of employment satisfactory consideration for the value of any property, or the property itself times seven ( in accordance with proverbs 6:31 KJV ).
All the rights and benefits of the " creditor '', " consumer '', relinquished to the " creditor '', " consumer '' from all persons, natural and Ens Legis, who were participants in the violation of " creditor '' " consumer '' rights pursuant to The Truth in Lending Act, Fair Debt Collection Practices Act, 15 U.S. Code 1692 and all other applicable Federal and International violations. for the debt {>= $1,000,000} in accordance with 15 U.S. Code 78ff ( a )
07/05/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
IL
60018
Web
On XX/XX/XXXX, we had been pressured into the purchase of a XXXX timeshare. We had written letters to them on several occasions to explain why we were requesting to be released from their contract and and they denied our request due to the signing of the contract. We went to the resort located in XXXX FL and we were invited to a tour while visiting a XXXX XXXX XXXX XXXX. The XXXX Representative advised we had to pay {$20.00} to reserve a spot to attend the tour, but advised we would receive {$80.00} after the 90 minute tour was completed. We thought 90 minutes for {$80.00} sounded like a fair deal. We were told the tour will only last 90 minutes. In reality, the tour lasted from XXXX-XXXX. Upon arrival, we were told we will meet with an agent at XXXX, we waited for 45 minutes before our agent XXXX greeted us. Overall the whole tour took about 7 hours, including the time we were pressured into purchasing the time share. We told our sales agent XXXX, we wanted to skip breakfast after waiting 45 minutes to greet him and just receive our {$80.00} cash offer for the tour. This was our first decline and they did not accept the decline. The initial 1st sales offer with XXXX was for a unit that cost {$40000.00}, we declined offer because it was way too expensive. The second offer was provided by XXXX Manager, XXXX XXXX for a unit of {$35000.00}, in which we also declined. The third offer, provided by the manager was for a unit of about {$20000.00}, in which we again declined so she let us think about it some more. The fourth offer she came back with a deal she said we " ca n't pass up, '' a unit of {$15000.00}, in which we felt pressured at that point and told her we could only possibly afford maybe {$200.00} a month. The manager came back with her final offer of {$12000.00}, in which we accepted after being pressured for 6 hours. We were told that purchasing a time share would be an investment and that our future kids will be able to use it. Also we could sell or rent it to family or friends, however, with the taxes and maintenance fees of {$1000.00} and other costs, it is not an investment at all. When we asked to leave to think everything over we were told by XXXX that this offer is only available today and if we came back another time, the same offer will not be available. The closing process was rushed when we signed and initialed she went through the signing process contract quickly. As she said she wanted to get us on our way to enjoy our vacation. It was not easy to undertake the closing agent due to the language barrier as she talked very fast and with a thick accent. English is our primary spoken language ; however, the sales Agent XXXX told us that this was his first time doing a presentation in English, as he is from XXXX. Therefore, there was a language barrier due to the agents first language is not English. There was also the language barrier with the closing agent XXXX. We felt we were taken advantage due to their pressure sales tactics. They put pressure on us for over 6 hours and kept giving us other options after we continuously refused the sale. Also we had told them that we had never been to any timeshare tours and this was our very first vacation together, therefore, I believe they took advantage of us because we didnt know what we really were getting into. In recorded closing, she never explained the maintenance and taxes fees and when we asked, she avoided it and went around the question. We later followed up with the closing agent within the 10 days window to cancel timeshare and she stated that the maintenance and taxes do n't go up and they stay the same. The other documents were not explained in detail during closing because they rushed us and the information was hard to read on the 8inch tablet we used to sign. They never informed us of our 10 day window to cancel in the sales process or the closing process. We found out in the contract days later that we had 10 day window to cancel. As I stated above we did call during that period to cancel and question everything and we were turned down. We have not been able to utilize the timeshare. We attempted on XX/XX/XXXX to check availability for reservation and was informed maintenance and taxes of {$1100.00} had to be paid upfront for XX/XX/XXXX before making any reservations, and of course we were not aware this would be a problem. When we attempted to make a reservation online with XXXX resorts, we observed that we had to make a reservation at another resort or hotel due to XXXX resorts are not located in the applicable state we requested. In the sales pitch by the agents, we were told that we can go anywhere ( any state in United States ) to reserve a XXXX resort and use a XXXX property like the one shown in sale. However, we were provided with a request number and the online site stated we will receive a reservation number via email/phone by an account specialists. This is still pending as of today. We were taken advantage by the sales agent and the closing agent with the language barrier. Then we were pressured by the sales agent and his sales manager for several hours, within those hours they kept giving us more options until we accepted the last offer after. We were lied to about being able to exchange anywhere in the United States and internationally ; when in fact there are less than 10 XXXX resorts in the United States. They neglected to advise that in order to reserve these resorts, we will need to pay off all maintenance fees or provide details about the additional cost for reserving at specific resorts or hotels. We were told the resort in XXXX would be free, and {$170.00} for all other resorts ( we were told all states in the USA ), however, this was incorrect information as there are fees for other resorts and not all states. We were rushed through the closing process and lied to about specific questions on the maintenance and taxes. XXXX also called to ask the closing agent within the 10 day window to cancel timeshare as well as to ask about the maintenance and taxes. The closing agent advised us that this will not go up and would stay the same for years, which was indeed another lie. Finally, we felt that during the closing process the tablets they provided us limited our ability to read the contract as the digital tablets made the words in the contract appear even smaller than they already were. Also when signing, some parts of contract only indicated do you acknowledge the maintenance and fees, however, there was not any dollar figure listed when signing. Now they have terminated our contract due to non payment, and they will not take responsibility for the XXXX Credit Card they had pressured us into signing up for and it has started to negatively impact my Credit and I would like them to remove it.
10/28/2021
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
GA
30052
Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done COMENITY BANK/VICTORIA SECRET can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If COMENITY BANK/VICTORIA SECRET reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX and XXXX.
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge To whom this may concern, I, XXXX XXXX XXXX, Executor and Paramount Title Holder to XXXX XXXX XXXX Estate, am in receipt of a letter from your office alleging ( in my estimation ) a Fraudulent Debt dated XX/XX/XXXX and XX/XX/XXXX. I have not been presented with any affidavit nor any Commercial Affidavit/True Bill in Commerce which would validate your claims and/or Assessment. It is therefore, my best and considered judgment that no such documentation and/or Affidavit exist. If what you claim is based upon any substantiated and/or verifiable evidence, I demand that said evidence be produced and presented to me for my inspection.
I further demand from your office a complete record of all books of accounting and legers evidencing any Loss or Harm sustained by your office for providing the undersigned with any alleged services, including but not limited to, any and all contracts compelling my performance in accordance with said contracts. Please take notice, I require that all contracts must bear my wet blue ink signature, seal, and be certified for my inspection.
In the event of your failure to provide said documentation, this respondent demands that all alleged debts be properly recorded and officially acknowledged within your records and any other agencies as non-existent, including but not limited to, all debt collection and/or credit reporting agencies.
If it be your offices ( or any agent acting on behalf of your office ) determined intention to Dishonor my wishes in this regard ( e.g. Persistence in extorting monies from me or my Estate ; in violation of Title 18 U.S.C 41, 872, 875, 876, 1341, 1346 ), I will be left with no other recourse except to file a Criminal Complaint ( via the Attorney Generals Office ), a report of Mail fraud ( via the XXXX ), and a Commercial Lien ( via XXXX XXXX Financing Statement ) against your office, as well as any and all agents acting in concert, jointly and severally in your office capacities as well as your private capacity.
Any refutation of the aforementioned and/or the following issues must be done so, on and for the public record, in writing, by way of a sworn Affidavit, signed in the rebutting partys XXXX XXXX XXXX XXXX under penalties of the Law, including but not limited to perjury. An assessment of {$5000.00} for each issue and occurrence of perjury, false, misleading, unproven statements, assertions or information shall be deemed due and owning upon the claimant. No other refuting documents will be accepted. Failure to respond within 21 calendar days will constitute a complete agreement and Estoppel.
Re : Immediate Cease and Desist Demand By, XXXX XXXX XXXX Dear COMENITY BANK/VICTORIA SECRET, It has come to my attention that you have disseminated and published defamatory, stigmatizing, disparaging, and false statements of alleged facts to one or more individuals and/or entities [ i.e. Credit reporting agencies ]. Doing so has caused and will continue to cause irreparable harm to me, my reputation and my Estate. Your dissemination and publication also entail confidential, proprietary, personal information which you have no rights to possess, communicate, or convey to anyone.
As such, your inappropriate and unlawful actions have substantially impaired me in my ability to conduct business and services to the public. Your actions have caused and will continue to result in lasting and irreparable harm and damages to me, my reputation, and my Estate. Moreover, it is clear from your continued and unnecessary conduct that you have acted with actual malice.
Please take notice that demand is hereby made that you immediately cease and desist from further slander and Libel of me and my Estate.
Please take further notice that should you fail to comply with this demand, I will be compelled to pursue potential legal action against you seeking injunctive relief, substantial monetary damages, including, but not limited to, special, punitive, and compensatory damages, attorneys fees, and all additional remedies, relief, and penalties by law or equity, to the fullest extent permitted by law. The foregoing is submitted without prejudice and with full reservation of all rights and remedies irrespective of whether they are stated herein.
10/08/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
SD
57108
Web
On XXXX, we entered the XXXX XXXX ( XXXX ) store in XXXX, AK. We were under strict time constraints, as we needed to return to our cruise ship to set sail. XXXX 's staff and the store manager engaged in very aggressive sales tactics to pressure us into agreeing to the purchase of a ladies " XXXX XXXX XXXX '' diamond ring. XXXX 's store manager represented to us that the ring was worth {$70000.00}, but he could " let us have it '' for {$53000.00}. When we expressed reluctance, XXXX 's staff and store manager pressured us to make the purchase and thrust documents in front of us and directed us to sign. Given our time constraints, and the extreme pressure we were under from XXXX staff, we did so. We were not given any time whatsoever to read the sale documents, XXXX staff did not encourage us to do so, and we were not advised to review, and so we were unaware of, the fine print on the back of the document. XXXX staff did not disclose to us any XXXX return policy, did not show us or refer us to any place where we could read/review any return policy, and did not give us any opportunity to ask questions. The ONLY thing XXXX staff said to us about any XXXX return policy was the store manager 's comment to us that, " if 20 people do not compliment you on this ring today, bring it back to me! '' The transaction left us very unsettled and upon our return home, we consulted with a reputable jeweler in XXXX XXXX, SD who stated they would sell a ring such as this at far less than what we paid. We decided to return the ring, cancel the sale, and have the {$5000.00} down payment we put on a credit card refunded. We did exactly what we thought would be proper under these circumstances by returning the ring to XXXX 's XXXX store along with a letter requesting cancellation of the sale and a reversal of the charge to our credit card, all via insured U.S. Mail on XXXX. Ultimately, the package containing the ring and our letter was returned to us unopened and marked refused.
In response, we obtained a formal appraisal from XXXX 's XXXX in XXXX XXXX, who appraised the ring at {$40000.00} full retail price ( XXXX 's indicated they would actually sell such a ring for {$32000.00} ). We sent copies of this appraisal and the letters to our credit card issuer, XXXX, and after their investigation, they agreed we had been defrauded by XXXX and reversed the charge on our credit card. We sent multiple letters to XXXX and to the XXXX-branded credit card issuer on our accounts, XXXX XXXX XXXX of XXXX, OH ( XXXX ), setting forth these facts and including a copy of the appraisal, but XXXX 's and XXXX 's responses merely claimed that we had failed to follow their return policy ( which they failed to disclose and prevented us from reviewing at the time of sale ) and/or claimed they would not accept returns due to buyer 's remorse, failing on every occasion to address our claims of fraud.
For over a year now, we have sought to rescind this transaction due to XXXX 's fraud and offered to return the ring to XXXX 's address of choice at our expense. XXXX and XXXX have failed and refused to do so. In early XX/XX/XXXX, we became aware that XXXX and XXXX had begun to file false delinquency notices against both of us with the three major credit reporting agencies, without referencing in any way our dispute with the transaction on the basis of fraud, despite having full knowledge of our claims of fraud against them. In response, on XX/XX/XXXX, we sent letters via Certified U.S. Mail, return receipt requested, to both XXXX and XXXX objecting to these false, inaccurate, misleading, and illegal filings. We again reiterated to XXXX and XXXX our claims of fraud and the specific facts and circumstances pertaining thereto and issued our demand to XXXX and XXXX to cease filing negative reports against our credit files and to withdraw their earlier delinquency filings. We received return receipts confirming that both XXXX and XXXX received our letter, but both XXXX and XXXX failed to respond to us in any way and ignored our demands to cease filing negative reports and to remove the negative reports they had filed against us. In fact, XXXX and XXXX have continued to file false negative delinquency reports against us on a monthly basis, all without any effort whatsoever to disclose our objection to the debt on the basis of fraud. We deem these filings to be in bad faith, malicious, and designed to try to bully us to pay them. Moreover, the actions of XXXX and XXXX clearly violate the Fair Debt Collection Practices Act, specifically 15 U.S.C. Sec. 1692e ( 8 ), which prohibits a debt collector from using any " false, deceptive, or misleading representation or means in connection with the collection of any debt, '' including specifically, " communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' ( emphasis added ) In addition, we have filed multiple claims with all three credit reporting agencies disputing XXXX and XXXX 's false delinquency reports against us and asking that said reports be removed from our credit files, but their responses have been wholly inadequate and they continue to unjustly and unfairly lower our credit scores as a result, even despite having notice of our claims of fraud.
More recently, in response to the appraisal we submitted earlier, XXXX has asserted a requirement that any appraisal must be from an independent appraiser who is certified to appraise " XXXX XXXX XXXX '' diamonds. We conducted an exhaustive search and located XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX of XXXX, TX, who is certified to conduct appraisals of XXXX XXXX XXXX diamonds. We presented the subject ring to him for a physical examination and appraisal. On XX/XX/XXXX, Mr. XXXX submitted his report appraising the subject ring at {$10000.00}, a price which is {$60000.00} less than the amount represented to us by XXXX, and {$43000.00} less than XXXX 's " discounted '' price.
We have found evidence online of MANY similar customer complaints against XXXX and strongly believe that what has happened to us is consistent with XXXX 's regular tactics. We seek only to have this transaction rescinded and the negative delinquency reports removed from both of our credit reports. In exchange, we will return the ring, which has at all times remained unused and securely stored in a safe, to XXXX at the address of their choosing.
Respectfully submitted, XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
08/18/2019
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
WI
53143
Web
I routinely had about a $XXXX minimum monthly payment on the subject card. I am extraordinarily over obligated, and was barely able to accommodate the minimum payment. In XXXX i went to make my scheduled monthly minimum payment of $XXXX or so and it must have not processed properly. As I thought it was paid, I didn't worry about it until I received a call from Comenity Bank. The representative confirmed that "I saw you logged in." and "when are you making the payment?!" Her tone was offensive and extremely disrespectful, so I terminated the call. Now realizing that the payment didn't process properly, I knew it would be subject to at least a $XXXX late fee. This would spike the minimum payment to an unaffordable amount. As this happened, prior to XX/XX/XXXX which was, at the time, the next due date, the minimum amount was $XXXX. Which I could not afford to pay. Now that my account is not in a current state, when I login to online account services a big red notification reflects the following: "If you're facing financial challenges, we may be able to help. Please call our Customer Care team at XXXX for more information." to which I did. I spoke with a male representative who informed me that my account was eligible for a 12 month program that offered a lower minimum payment of $XXXX/month for 12 months. I asked if the interest rate would be lowered for this period of time and was told no. As a minimum payment is calculated based upon the outstanding balance, $XXXX would not cover even the interest that was due, and it made very little sense to me. The $XXXX a month payment, as it is lower and more affordable, it does not cover the amount of interest accruing on the account monthly. After a 12 month period, I would owe more than i currently owe and would be in the same financial situation, the only difference would be $XXXX poorer. The representative was not informed or trained properly and insisted that there was no change to the APR. I was placed on hold several times while he sought misinformation from an associate of his. I would not agree to this based on the terms i was provided as it was a way for the bank to profit from the arrangement, while trying to disguise it as a program geared to help consumers. I would not let it go without more information, so i was cold transferred to a representative that did not speak very good English who was hard to understand. Even though the representative was hard to communicate with, they were able to articulate that the interest is lowered to 10% during this 12 month period. This makes far more sense than the terms that were initially described, so I agreed. That representative hastily transferred me to a hardship representative that told me i was not eligible for the 12 month program and wasn't sure why i was told that. This representative XXXX was difficult and rude. I was placed on hold for no reason upwards of 15 mins and was told that i could take a 60 month program that would close my account. I told the representative that I wasn't interest in closing my account, and that I was interested in the program that i was just offered and told was eligible for. He said it was not possible and wouldn't explain nor did he apologize for the misinformation. Subsequent to this, as I'd been on the phone for almost 40 mins, I agreed. After he disclosed the new payment amount and how the program worked, I was asked when I could make the payment. I advised when I could make the payment and was told since I couldn't make it that day, to call back and enroll in the program when I was able. I asked why if it was a requirement to pay today, why I wasn't informed of that at inception of the call. So i spent 40 mins on the phone for no reason at this point. On XX/XX/XXXX when I could make the payment, I called back as instructed and could not find a person to speak with. I called back on XX/XX/XXXX and was directed to the hardship department who disclosed the terms of the agreement. At this time I was told "You can make a payment anytime within the same month and it'll be fine." Okay, so that's yet another difference in information that I was provided. Great. The following Tuesday XX/XX/XXXX, I logged in to check on the terms of my account, which had not yet been updated. When I log in this time, I am solicited to either send a secure message through the app or call customer service. I sent a message asking when my account would reflect the update and received a reply that my account was not enrolled in the Hardship program as described above and that I needed to call. Reluctantly, since I have never received consistent information nor has my account been updated properly, I called. I was told that there is no reflection of the hardship program enrolled on my account as I was NOT eligible. But, I was eligible for a 12 month program as described at the beginning of this complaint. I went over the program with the representative, who was very sweet and seemingly helpful and who set up 12 monthly payments on the account. I was then transferred to a confirmation line that explained the payment and stayed on the phone until the system hung up. So, I figured my account was scheduled to be updated. I inquired about credit reporting and was assured that nothing negative would be reflected because the account adjustment would update everything. On XX/XX/XXXX, my account was still not updated. I sent a secure message asking when it would be, and made certain that I was not interested in calling, and to not even suggest it. The reply i got to that message said nothing but to give them a call to discuss. What is the issue? Why is no one trained to perform their job duties? Why is there not respect for me as a person or respect for my time? Why am I offered assistance and granted said assistance, but my account doesn't reflect it? All of this was stalled for the bank to profit off of the accrued interest and late fees, and to report my account as past due and having missed payments which would not be true if my account was updated timely. This violates my consumer rights under the FCRA, false negative information being transmitted to the credit bureaus. I am under the impression that I am offered assistance when I am not. I don't even understand how this bank is in business, profiting off of misleading consumers and they don't even use those funds to implement training of current staff or the hiring of adequate staff.
09/18/2019
Yes
Checking or savings account
Other banking product or service
Problem with a lender or other company charging your account
Transaction was not authorized
FL
33029
Web
This complaint is about accrued interest that was unfairly charged to my transaction account that is being financed by Comenity Bank. The transaction was for furniture I purchased at an XXXX XXXX XXXX XXXX.
I have attempted to justify with Comenity Bank that, due to its unfair business practices, it has charged accrued interest to my account which it is financing, and would like for the bank to reverse the interest charges. The bank has refused to reverse the interest charges.
This is what happened. In XX/XX/2017, I purchased furniture from an XXXX XXXX XXXX store and the transaction was financed by Comenity Bank. Initially, monthly paper statements were mailed to me which I used for making my monthly payments by returning the payment stub attached to the front page of the paper statement and my payment in the form of a check. I was very contented receiving the paper statements and mailing in my monthly payments. However, the bank provided an option to enroll in online payments which means I would no longer receive paper statements. Satisfied using online payments for many of my accounts, I decided to sign up for the online payment option Comenity Bank offered.
On the online payment screen titled Make a Payment, the bank provides account information such as payment amount, payment due date and account balance. However, on the payment screen, no information is provided about promotions which is what my transaction is categorized as. Not only is promotion information not mentioned on this screen, but a crucial piece of information, the expiration date of the promotion, is not mentioned. This date is crucial to customers because once it has passed, the bank can charge you accrued interest for all your payments up to the expiration date. Since Comenity Bank chose to place all other account information, except for the promotion information, particularly the promotion expiration date, on the payment screen, I was not forewarned of the expiration of the promotion on the payment screen, and, hence, was charged accrued interest on my account by the bank. Had this promotion information been posted on the payment screen like all the other account information, I would have certainly been aware of the approaching promotion expiration date and pay my account on time and in full.
Upon inquiring about the accrued interest charged and added to my account, and why I was not warned about the approaching promotion expiration date on the payment screen, the bank informed me that promotion information was stated in my monthly statements. I also inquired from the bank why is it that all other information about my account appeared on the payment screen but the promotion information was excluded from the payment screen. The bank did not provide an explanation why the promotion information was excluded from the payment screen. I believe that since the bank offers an option for paperless statements and online payments, the bank should be held responsible for strategically placing all account information, including the promotion information, where it can be easily and immediately seen upon accessing the online payment option to warn and notify customers of critical information and upcoming deadlines dates.
I believe this bank is insincere in its business practices and its intent was to deceive so that it can benefit from it. I believe that the promotion information, particularly the expiration date, was intentionally withheld from the payment screen to avoid alerting me of the upcoming promo expiration date so that the bank can benefit by claiming the accrued interest of the account. Had I known this was how the bank handles its online payment option, I would have rather continued receiving paper statements. I thought that by enrolling for the online payment option, it would make the payments on the account easier and quicker for both the bank and myself, but instead found myself in this predicament with this bank. Not only did this bank benefit from charging the accrued interest on my account but also saved on efforts and expenses in preparing and mailing paper statements.
In my correspondences to rationalize with the bank to reverse the interest on my account, I recommended that the bank place a notice on the payment screen to remind customers about crucial promotion information, including the promotion expiration date. The bank acknowledged and thanked me for my recommendation and began implementing it soon after. Upon accessing the online account, the promotion information is now placed at the top of the payment screen and is immediately visible. The bank further stated that my suggestion will be used for future customers. I inquired from the bank why is it that future customers can benefit but that I could not benefit since it was my suggestion. The bank, however, would not provide an explanation.
Due to this banks insincere business practices and my unpleasant experience with the bank, I decided to research customers satisfaction with the bank. I was not surprised to find hundreds of dissatisfied customers and derogatory comments about their experiences with the bank. Having reviewed some of these comments/remarks, it was not difficult for me to understand why I am having problems with this bank. There were numerous and varying problems experienced by customers, some very similar to the problem I am experiencing. Based on the extent and nature of these complaints, I believe that this bank is disloyal to its customers and unethical in its business practices, and recommend that the bank be investigated for its business practices and treatment of customers. This, of course, is a separate matter than what I am pursuing which is to reverse the interest that was unfairly charged to my account.
I certainly appreciate any assistance CFPS can provide in helping me to reverse the interest that was unfairly charged to my account by Comenity Bank.
There are 3 document attached. These are their descriptions : 1. 'Attachment_1.pdf ' is my request and reaasons for Comenity Bank to reverse the accrued interest I beleive it unfairly charged to my account.
2. 'Attachment_2.pdf ' is Comenity Bank 's response to 'Attachment_1.pdf '. 3. 'Promo_Notice.PNG ' is a promotion notice that was placed on the 'Make a Payment ' screen in the online account option after I suggested to the bank that the promo information, including the expiration date, should be placed on this screen. Sincerel
y XXXX XXXX
06/08/2021
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
CA
92704
Web
Servicemember
We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT On XX/XX/XXXXI received a credit score notification stating my card had been charged off and my credit score decreased. I had spoken to COMENITY bank regarding my account for Victoria 's Secret and XXXX stating that I was out of work due to COVID, and they gave me time off from payments back in XXXX of XXXX I was working with XXXX XXXX at the time, and Comenity said they would give me a deferment, but they charged off my accounts before that deferment had passed. Ever since then, I have been receiving calls everyday, sometimes up to five times, asking for more money.
This month they expect me to pay twice, and are threatening legal action, but I told XXXX XXXX that I am out of work. Now I am receiving threatening calls stating that my account will be escalated, but they won't tell me what that means. I know XXXX did state I would be taken to court. Another representativce whom i spoke to in XXXX of XXXX stated he would seize assests belonging to my parents. And he attempted to coerce me into making payments which he knew I could not afford. I told him he did not have the right to threaten my family over a XXXX credit balance. {$20.00}. Over XXXX I have my credit messed with No, No I don't think so.
I have told them repeatedly that I haven't found a job yet but XXXX XXXX, the person " assigned " to me, won't leave me alone. She tried to tell me I had to make automatic payments, that that is the only method of payment they will accept, but I never gave her my account information. I know that as a consumer I have the right to determine how I make my payments. And I told her that I prefer to pay with check so that I have a paper trail. She stated that I had to make the payments her way, and I know this isn't true, because I have an account with another lending agency and they let me pay however I need to. And that lending agency provides me updates statuses. Comenity and Victoria Secret never provided me with copies of my payments, or receipts, since starting on my payment plan with XXXX. Even when I requested it on numerous occasions, And so today, XX/XX/XXXX, I see a pending charge from them for XXXX. I agreed to pay off but I am going broke and I have tried repeatedly to get them to just wait and they won't.
Heres ' the thing. I know my rights and I read the CARES ACT. It states, direct from the website : " If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. '' " If your account is already delinquent and you make an agreement, then the creditor can not report you as more delinquent ( such as reporting you as 60 days delinquent when you started out 30 days delinquent ) during the period of the agreement. '' I was current on each account when I made the agreement for the partial payments. I asked for the assistance in XXXX of XXXX, when the pandemic began. I even requested a paper copy of this arrangement with XXXX XXXX and Victoria Secret accounts. in addition, because my account was current, there is no legal basis for them to charge off my account and provide a decrease in my credit score.
I never received any acknowledgements for my extension and for the ending of the extension I went to each companies respective website, and I requested an electronic account, and did not get access to my own account. Even after I contacted customer service. So basically, they didn't want me to have access to updated statuses of my account.
Per the CARES ACT XXXX, all consumers are entitled to receive a paper notification statiung the terms of the agreement. Again, COMENITY refused to provide any such notices for my record keeping. At the end of the three month extension, I did attempt to contact them to let them know of my persistent jobless status. I still did not receive any confirmation for the three month extension, nor did I receive a notice for the ending of that period.
I also saw this stated on the Cares ACT webpage : " Your lender may offer you or you can request that the lender place a special comment on your account noting that the account was affected by a national emergency as a result of the pandemic. The comment will not affect your credit scores, and your loan will still be recorded as delinquent. But a prospective landlord, employer, or lender may take it into account when considering you for a loan, a job, or housing. The special comment may help a lender or other report user understand that you ordinarily make your payments but could not make payments for a period of time due to the pandemic. In addition, the special comment is temporary and may only show on your account for a period of time, such as during the time of a declared national emergency. When the lender stops furnishing the special comment information, it disappears permanently and entirely from your credit report. There will be no record that there was ever a special comment placed on your credit report.
" You can also add a permanent comment to your credit file saying that you have been negatively affected by the pandemic. This comment will not affect your credit score, and your delinquent loan will still be reflected in your credit score. However, the comment will remain in your file even after the national emergency is over, and a prospective landlord, employer, or lender may take it into account. '' Comenity did not provide me this option whatsoever.
Here is what I want : I want them to report my accounts as current, due to all the above mentioned reasons, it was out of my control, not having a job thanks to the pandemic. I want the above mentioned personal comment added to my credit agencies : mainly that, due to a personal disaster, I couldn't make the payments. I want the charge off to be reversed.
In addition, I want them to reach out to the credit agencies on my behalf, letting them know that to remove the errors, mainly the error that my accounts are delinquent.
08/16/2021
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
HI
96782
Web
XXXX allowed seller, XXXX XXXX, to lie about their location and the quality of their product in advertisements on their platform. I attempted to purchase a mask from XXXX XXXX at the beginning of the pandemic. The masked was advertised as being comparable to a XXXX mask and manufactured in the US. But, the seller was actually located in XXXX, and the mask is not comparable to a XXXX mask ( see attached pics ). In fact, it's vented, so it can't even be worn on an airplane. And, I wasn't able to ascertain any of this until it was too late because it took 3 1/2 months, plus to get the item. I tried to cancel multiple times throughout the process as well, but the seller refused every attempt then cutoff all contact, despite asking for a call tag.
So, I filed a claim with Comenity Capital Bank, and they temporarily removed the charge while they conducted their " investigation '' which consisted of nothing more than confirming that XXXX XXXX had received payment ( see attached Denial Letter ). That was it. They did nothing else. Then they reinstated the charge.
After being given the runaround for a month or so, I filed an appeal. In the appeal I proved Comenity Capital Bank did not do their due diligence by providing links showing that XXXX XXXX had been shut down for fraud. But, Comenity Capital Bank did not budge ; thereby, committing fraud themselves via collusion.
The links supporting my argument are as follows : 1. XXXX ( SHUT-FOR-FRAUD ) : https : XXXX ( see attached PDF ) 2. https : XXXX 3. https : XXXX 4. https : XXXX I have records of most my interactions with Comenity Capital Bank showing what was and was not done throughout the entire process as well , including, where Comenity Capital Bank refused to close the account, despite making two requests in writing . They even mailed me a new card after my second request. So, if theres a question, ask. I probably have record of it.
Comenity Capital Bank then referred the fraudulent account to collections, despite the evidence, so I'm now getting 3-5 calls per day from different numbers with different area codes where the caller hangs up once I answer ( see attached Call Logs, pg. 1-3 ). But, when I call the number back they all lead to Comenity Capital Bank. What's more, Comenity Bank has been sued for this in the past, yet they continue the scam. In fact, by doing a quick XXXX search you can see that Comenity Bank was sued for these exact same practices in XXXX and XXXX, and that they settled out of court each time ; yet here we are.
Or, to sum up, it's almost like Comenity Capital Bank had grown so accustomed to scamming their marks ; I mean, customers, via acts of fraud that they've got the process on speed dial. And, the game of trolling " customers '' while holding their credit hostage along the way is just an added bonus.
Furthermore, the responses to the fictious claims made by Comenity Capital Bank in Complaint XXXX are as follows : 1. When referencing the provided review sites with the pages upon pages of reviews just like mine Comenity responds by stating, " We reviewed the websites you provided. The overwhelming majority of complaints were related to delays in shipment and were not regarding receiving the merchandise ordered, which you did receive. '' This statement alone proves Comenity didn't do their due diligence because there are literally hundreds of complaints on these sites just like mine. All you have to do is take the time to actually read, instead of cherry picking what confirms your bias. Best part though, they completely ignore the fact that the seller lied about their location because they knew people wouldn't buy from them due to being located in the region from where the virus originated.
2. Comenity also states " We previously investigated your dispute and provided a provisional credit during the investigation. It was determined that you did receive the ordered merchandise. You provided no evidence to us, upon receipt of the merchandise, that it was defective. '' This is lie two-fold. One, I told Comenity I emailed the seller asking for a call tag because it wasn't a XXXX comparable mask, but I didn't get a response because the site had already been shut down for fraud. And, two, Comenity never ask for proof of the item being defective, nor did they allow me to respond to their assertion. They simply denied the claim then closed the case. In fact, Comenity went so far as to create a portal via their Secure Message Center, and it quickly became obvious that it wasnt really an attempt reaching an understanding. It was so unorganized and disconnected that it was clearly just an attempt at XXXX while continuing with the steamroller tactics ; hence, documenting the interaction ( see attached PDF.
3. They further go on to claim " Comenity Capital Bank attempts to contact customers whose accounts are past due in an attempt to resolve the matter. It is not our practice, however, to call customers and then hang up. We acknowledged in our XX/XX/XXXX, response to you that, during our review of the calls placed to you, we identified two calls that were inadvertently disconnected. '' Seriously, STOP LYING!!! You've been repeatedly sued for it in the past and all you have to do is call the highlighted numbers back on the attached call logs ( see attached Call Logs, pg. 1-3 ).
4. And, Comenity 's final incompetent response, " As explained in our XX/XX/XXXX, correspondence, your second dispute claimed that the charge was fraudulent and we opened a new account with a new account number which could be used for additional purchases. When a customer claims a charge is fraudulent, its our standard practice to close the account with the alleged fraud. However, since your account ending in XXXX was closed at your request on XX/XX/XXXX, we shouldnt have opened a new account when we received your second dispute in XX/XX/XXXX. The second account was closed on XX/XX/XXXX. Both accounts are closed at this time.
Ok, great, but the first claim should have never been closed because you failed to do your due diligence. There was no communication. There was simply denial for profits ' sake, the steamrolling, the scare tactics then attempted extortion as you hold my credit score hostage. Truth of the matter is this is a scam two-fold, you know it, you're doing everything in your power to cover it up, and you're busted.
05/16/2017
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MI
48197
Web
I am filing a complaint against Comenity Bank regarding a HSN ( Home Shopping Network ) account I currently have. On Sunday, XXXX at XXXX XXXX , I received a call from an Unavailable caller. I thought it was a friend of mine as she has an unlisted cell phone number and when she calls it also comes up as Unavailable. W hen I answered the call, there was no answer after I said Hello. Please note, that originally I was not going to even answer the call or even answer it with Hello as I thought it was my friend. I waited for 5 10 se conds and almost hung up the call as there was no response immediately. Since the call was at XXXX XXXX on a SUNDAY, when the person came on the line finally, I asked who she was and where she was calling from. Although she was definitely calling from American and was an A merican, it was a little difficult understanding where she was calling from ( company ). She said she was calling from Comenity HSN and that I did not make a payment. I told her that her call came up as unavailable and that I thought she was a friend calling. She then said I did not make my payment for the past two month s. I told her that I did and that I keep track on my Excel sheet when I make payments. She kept saying that I did not. I then proceeded to tell her that if they were trying to call me previously with an Unavailable on the call, that would be the reason I did not answer the call as I did not know who it was. I have also in the past received Scam calls that were Unavailable. I told her that if they are calling, they need to leave a message, otherwise do not call at all. She said they are unable to leave a message, as they are Robo calls. ( Also, note that I have a recording app on my phone and the call was recorded and she did mention Robo call! ) She kept saying that I did not make my payments for the past two months and I finally became EXTREMELY angry as I knew that I did. I told her that I would then go to the website and pay the bill. She wanted me to make the payment with her over the phone. I told her I would not give her information over the phone as I did not know who she was or if she was really from where she said she was. She then asked me how much I was going to be paying. I told her, AGAIN, that I was going online to PAY the bill. I was SO ANGRY that I began cussing. I kept telling her that I would be going online to PAY THE BILL. She kept wanting to know the amount. I then went online to make the payment. At the end of the payment, I printed the screen to show the payment went through, however, there was NO confirmation number. I called Comenity Bank back at XXXX XXXX I spoke with XXXX and I told her I made a payment online, but that there was no confirmation number. She thought that was odd and said she shows it at her end. I told her of the problem I had with the previous person that called me from Comenity. I told her that because there was no confirmation number available, that I would have nothing to stand on when payments do not go through. I have NEVER dealt with any other company that I might make payments online to. Every other website, whether its to make a payment or place an order, gives a CONFIRMATION NUMBER Comenity does NOT!! I went back through my cell phone log, and there is ar e two ( 2 ) other questionable calls that could be from Comenity one on XXXX at XXXX XXXX ( sho ws as Unavailable ) and on X/XX/17 at XXXX XXXX . ( shows as Restricted ). Note that phone numbers are not shown on none of the calls of Unavailable or Restricted so I believ e that they may be fr om the same place. I receive too many unsolicited/Robo calls and normally do not answer the phone. I only answered the call on Sunday, X/XX/17 because I thought it was my friend who had just text me. I now know that I can never answer her calls anymore as a result of this incident. I did tell the first person I spoke to on X/XX/17 at XXXX XXXX ( the one that called me ), that if they do not have the common decency or courtesy to leave a message when they call, to not call at all. On their website, they need to allow a person to be able to set up alerts ( I have other companies that I pay bills online to, and they have that option available. Note : I also receive bills in the mail ). Once a payment is made, their website also needs to provide a confirmation number, without that, a customer has NOTHING to fall back on. As a result of this company, HSN as lost a customer and I have started telling people of my experience with Comenity Bank and I am advising pe ople to steer clear of them. I am in the process of looking for apps to block Robo calls due to the fact that I receive way to many unsolicited calls and I am ( past ) tired of it. I am also tired of people calling and not ( having enough common sense to ) leave a message. Having said that, Comenity needs to either leave a message if they are calling someone, or do not call at all. I did tell both people I spoke with that messages need to be left, but I know that will never happen. I forgot to print off the screens to show that I made a payment to Comenity for XXXX XXXX XXXX XXXX , and even if I did, there are NO CONFIRMATION NUMBERS, so it would not have even mattered as I would not have had a leg to stand on. Due to the fact on how the company conducts business, and the fact that they do not have an option available to notify a customer that their payment did not go through, I would like them to REMOVE the information they placed on my credit report. Afterall, had I received an email, like they send to let me know that there is a statement available even though I did not opt for that, this would not even be an issue. In addition, since for some reason they do not leave messages and their calls show up as Unavailable, I, like many people, would not answer the calls. This is also negligence on their part and they need to change their practices as they are setting their customers up for failure. In addition, it is very odd that this is the ONLY place where the payment never went through all the other payments I made for XXXX and XXXX went through with no problem at all. I can say that I would never to business with a company that has Comenity Bank even if its a company I like to purchase from.
04/29/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
10035
Web
I am writing to seek assistance in my dispute with XXXX XXXX and associates ( XXXX XXXX XXXX ) who has defrauded me through misrepresentation of their product which was purchased utilizing both XXXX XXXX Mastercard by Comenity Capitol Bank and XXXX XXXX XXXX Mastercard by XXXX XXXX.
I would like to mention that I am no stranger to owning timeshare properties. I have owned a separate property in XXXX for over 10 years so I am familiar with the pros and cons of having one. In this instance, XXXX XXXX XXXX XXXX XXXX by way of both XXXX XXXX Mastercard and XXXX XXXX XXXX Mastercard, companies within the vacation exchange industry, absolutely defrauded me. I was offered both credit cards during a meeting with XXXX on XX/XX/XXXX and was charged {$15000.00} on the XXXX XXXX and {$2900.00} on the XXXX XXXX XXXX. I am very much a victim of their intentional fraud and misrepresentation of the product and our agreement.
During my initial meeting with XXXX on XX/XX/XXXX, XXXX XXXX after negotiating my desired terms, I was verbally informed by XXXX that my contract would include NO Black-out dates and among other features, accomodations at the XXXX XXXX XXXX section of the resort would be accessible to me for 1 week each year for the 10 years. XXXX also stated that each time I visited the resort, the money that I would spend to book the dates would go into my personal travel account called XXXX XXXX. These specified features were discussed in detail, and I made it unequivocally clear that these were part of my bottom line if I were to purchase a XXXX property. To be clear, the fraud and misrepresentation is in XXXX 's failure to speak to any of the very restrictive limitations of each of the aforementioned features.
The No Black-Out date feature, I was not made aware, is only available to me thru XXXX XXXX company with diamond level status and not directly through XXXX XXXX. This severely affects my chances to book dates during the holidays because clients who are able to book directly thru XXXX XXXX have the option to make reservations 5 months in advance while XXXX Diamond members can only make reservations 1 month in advance. In addition to that, my Diamond status is only available for 2 years before its downgraded to Gold status which does not contain the No Black-out date feature. This was not at all explained to me and was not part of our agreement. They roped me in with the No Black-out date feature knowing that I'd likely never be able to book during theses dates. They failed to mention anything about it being only via XXXX, and that it would be downgraded to gold status in 2 years. In recent emails XXXX attempts to distance themselves and seems to shrug their shoulders when they state that " the policies of XXXX are outside of our control as they are third parties ''. I never met with or spoke to XXXX, I met and spoke with XXXX and they are the ones who are responsible. Therefore Im offended by the way they now choose to pretennd as if their hands are tied.
As I mentioned, I was granted an option to stay at the XXXX XXXX XXXX campus, that's currently under construction, for 1 week annually for a 10-year period. However, after reviewing and discussing my contract with representatives at XXXX XXXX, she emailed me stating that I only had access to the resort for 10 years from the date of the contract so if for example, they do not complete the park until XXXX, I would only have access for 7 years. Very misleading.
Lastly, based on our agreement, I was told that each time I visit the resort I would pay a certain amount depending on room size. The money I pay to book would transfer into a travel account thru XXXX XXXX which would be converted into credit that I could use to purchase a wide variety of items. This feature sounded great because even though I would be paying to book the room, I would not be losing the funds. After reviewing my contract, I called XXXX XXXX and I was told that I only had that feature for 1 year and afterwards I would have to pay for different package options to keep it. This was not part of our agreement.
At the close of my meeting, which lasted several hours, with XXXX, and expressly after being assured of my requested terms, I signed the contract and then asked for a copy for my review. Instead of giving me a copy on sight, XXXX insisted on mailing it to my home address in Maryland. I only agreed to not walking out with a paper copy because XXXX stated that they would email me a version of the contract so that I could review it immediately. I believe these interactions may have been audio recorded.
To date, I have never received a copy of the signed contract via email from XXXX. Further, I did not receive the contract in the mail until close to 4 weeks after I returned from XXXX. It was not until I received the contract in the mail that I was able to review the contract and read the many discrepancies between what XXXX stated to me at the time of signing. I immediately contacted XXXX and explained to them my issues. They were however unwilling to right their wrongs or adjust their breech of agreement. They stated that I had 5 days from the signing date to cancel. I now see why they were so insistent not handing me the physical contract and failed to email me a version so that I could review it. The contract took weeks to arrive. I also believe that XXXX XXXX Mastercard and XXXX XXXX XXXX Mastercard facilitated this defraudment. Unfortunately it appears that XXXX utilizes these credit cards to aid them in their scamming of the public.
I have been persistent in my fight against this injustice towards me by making the necessary phone calls, emails to the companies and even sending certified mail to both XXXX XXXX Mastercard by Comenity Capitol Bank and XXXX XXXX XXXX Mastercard by XXXX XXXX. Comenity Capitol Bank however has closed their investigation in favor of XXXX. I and am willing to take it as far as I can to achieve justice. I am however currently working in the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX and am absolutely overwhelmed in this war against this pandemic. I do not want to my lack of attention to this matter to allow me to lose ground. I sincerely hope that this bureau will further review this incident and will be able to help me and to be a protector against consumer fraud.
Thank You
12/10/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
19134
Web
XXXX I purchased a suit for my fathers funeral from a local XXXX store. At the register I was offered to apply for a store credit card through Comenity Bank to receive a discount. Although I told the saleswoman that I already had several cards, she offered that I was throwing {$30.00} away which would be a discount if I used their card for this purchase. Wanting to complete this already undesirable task I relented.
When the bill came due XX/XX/XXXX I completed the process on line. When the section pertaining to my checking account information was to be completed I entered the information for my main checking account, one that I have had for 8 years with well known XXXX XXXX, and use for several similar transactions, with a check in front of me for the account and routing number information. Of special note is that as I entered this information I could not see the information for review, only dots. I entered this information in twice as I have done several times in the past. I completed the process, never seeing my routing number or account number, and with no verification process made known from Comentity/XXXX. such as a test deposit, ect.
Around the time of due date I noticed that the payment had not been deducted from my checking account. I called the number on the bill and after discussion with an representative discovered that the bank account number was off by one number, so i was told. I was not given a reason for this error at the time, just that they had the wrong information. I restated my information to the representative and the payment was then processed paying the bill in full. Shortly thereafter I received a letter, dated XX/XX/XXXX which apparently took weeks to arrive, stating the bank had returned my payment, that my card was suspended, that I may be assessed a fee. It should be noted that my next bill of XX/XX/XXXX had assessed me a returned check fee of XXXX prior to that letter on the due date of the bill XX/XX/XXXX. It should be noted that later on I incurred a late penalty of XXXX which I called and had removed XX/XX/XXXX due to the circumstances.
Upon receiving the bill I called and spoke to no less than 5 representatives and managers. I explained that there was nothing wrong with the checking account I had submitted for payment, there was ample funds for payment, that they had the account number wrong for an unknown reason, and that I cant be responsible for information I can not review or be aware of in any case. I was unable to resolve this issue with anyone I could speak with, and upon being told that the problem was my fault, it could not be their fault and that if I did not pay the XXXX the fee would double, triple, or more, I ceased to try further on the phone.
Receiving further bills I sent in responses with the bills saying I dispute the bill and do not owe anything and on XX/XX/XXXX sent a letter explaining my case. My main point was that I can not be held responsible for incorrect information I have no opportunity to review, that there are many reasons why they could have incorrect account information on their end, keyboard issues, program issues, XXXX issues ( during this time a XXXX update had programs typing in numbers incorrectly! This is well documented, and I had experienced this problem personally. Further updates corrected the problem. ) There is also a problem usually occurring with password entry where the user types too quickly before the curser is ready. Many have experienced this problem, I know of a bank that this occurs often, XXXX XXXX. This is common knowledge, and as passwords are often just dots to the user, recently many sites have added a view password option. The password has to be retyped if the error is not visible. There is also the possibility that the error occurred on their end, whether manually or otherwise, although I have not been given any explanation on that matter, not that I could have prevented it anyway.
The bank information in the Comenity/XXXX pay site does not have an option to view the information you have typed in. Comenity should not be using a system whereas one can be penalized for information the user customer can not review, when Comenity uses no verification process of their own.
On XX/XX/XXXX Comentiy/XXXX sent me a letter rejecting my dispute. Prior to and going forward I was called several times a day, every day in an effort to collect this fee.
At this time XX/XX/XXXX the amount due was XXXX, I was being charged a minimum interest charge of XXXX par month.
In XXXX I was assessed a late fee of XXXX together with continuing interest bringing the total to XXXX.
In XX/XX/XXXX another late fee was charged this time {$39.00}, bringing the total to {$100.00}.
The next month the total was now {$140.00} and someone from Comenity called and left a message. I returned the call and explained that i had paid my bill in full and dispute any further charges, and that the charges for the undeserved fee then exceeded my original purchase and has multiplied 5 times the original fee in the last 3 months. I was told by that representative that I had never paid on my account an that they will not remove the charges.
On XX/XX/XXXX I sent a certified letter similar to the letter I had sent in XXXX with some updates, claiming that at this point it was obvious that they were attempting to collect extra funds from me rather than resolve any issues or retain me as a customer.
On XX/XX/XXXX Comenity sent me a letter stating they were reviewing my case.
On XX/XX/XXXX Comentity sent me a letter offering help with a payment program.
To date as of a bill due XX/XX/XXXX the amount due is {$230.00} all in fees and interest on fees, more than nine times the original fee, almost twice the amount of my original purchase that was paid in XXXX, that that has multiplied 6 times since XXXX, all from a disputed {$28.00} fee charged me before I had even established a method of payment with them for my first bill, in a situation I had no control over nor the ability to view the relative information. It should be noted that I have never been given any proof of error on my part, not that i could have viewed the error prior or be aware that there was a mistake being made in any case.
11/27/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CA
91320
Web
This complaint is in regards to Comenity Banks deceptive practices in regards to their XXXX Credit Card and promotional APRs. To preface, I speak from a perspective of someone who analyzes web and UX ( user experience ) design as part of my job, and so I know from my field what the web designers were trying to promote and, more importantly, what information they purposefully bury.
I had an XXXX XXXX done on XX/XX/. I used Comenity Bank 's XXXX Credit Card with their 0 % APR for 12 months. I went paperless, as is encouraged by many institutions for conservation reasons.
The amount was for XXXX. My first statement was sent to my email on XX/XX/XXXX and due on XX/XX/XXXX. The wording of the due dates on the website indicated that each due date for me is the XXXX of every month, starting on XX/XX/XXXX. The nature of paperless statement is that you get a minimum payment, the amount owed, and the due date. ( See comenity.png attachment ).
Because the buttons to pay are front and center around this box, I - along with possibly many other users - completely miss the " you *might* have another due date with a promotion '' wording below the action buttons ; the action buttons prompt immediate action. This is a known fact in UX design to put buttons we want clicked up and center and information that is extraneous after it. Unfortunately, they put the " you may be in this group '' statement after the action buttons.
We're also given two buttons in the statement email - view statement, and make a payment. Most users would navigate immediately to make a payment, thus completely missing important information embedded within the PDF that is available nowhere else on your account ( again, see comenity.png ).
Once I got to the website further suggests that all of my payments and that the 12 month 0 % APR were all due on the XXXX of every month ( see comenity2.png ), with nothing in the site UX determining that I specifically have a promotional APR date that is different from the large due date on the screen. Despite having personalized amounts within my account and account payment history easily available, there is nothing easily accessible for the user to remind them that they may be on a promotional APR, again except on the PDFs. And this promotional APR date is buried in PDFs that aren't even attached to the email.
With exception to XXXX, I made a payment of {$500.00} on my card between the XXXX and XXXX of every month to pay off the card. I always scheduled payments several weeks in advance.
I had a scheduled payment on XX/XX/XXXX, which was my second to last payment. According to the supervisor I spoke with over the phone, I logged in on XX/XX/XXXX but didn't schedule a payment. This is completely incorrect ; I wouldn't log in without scheduling a payment, and my transaction history for paying off this card shows a level of consistency with my actions. I remember scheduling that payment, and I don't know why it didn't go through. I also wouldnt have any way of not seeing this not go through, as we are not sent any emails regarding scheduling payments correctly in advance.
Usually this would be no big deal, because on XX/XX/XXXX I received an email saying I owed a payment. Strange, I thought I scheduled one ( and as confirmed with my phone call today, I logged in to do just that -- and for some reason, on my very last payment, my scheduling for *some* reason didnt go through ). My statement from the XXXX, however, indicates that I only owe {$450.00} and its all due on the XXXX ( see comenity3.png ).
I had a lot of issues trying to log into the site on the XXXX and XXXX to make that payment ; I called on the XXXX after a lot of struggling and I was hung up on from their call center. I was locked out of my account several times in those two days trying to get the system to work. Despite putting in the same username and password information, it would not let me in, and it claimed it couldnt find my account throughout the XXXX and XXXX until AFTER XXXXEST, just when the payments for the day are due. ( See comenity5.png for all the emails saying I was locked out of my account ; unfortunately I dont have screenshots of my SSN not working to reset my password, but as you can see, there were issues with the account ).
It wasnt until today, XX/XX/XXXX, that I realized something was wrong at all when I got an email notice saying I still had another payment to make. Thats when I saw that XXXX had dumped a 28.9 %, {$940.00} accrued interest balance on me ( AND a {$27.00} late fee for their website problems on the XXXX and XXXX ). As mentioned earlier, I called and tried to see what I could do about this sudden charge, and despite the supervisor on the phone confirming that I did indeed log in on XX/XX/XXXX, I for some reason didnt schedule a payment despite having a consistent history of scheduling payments.
In conclusion, my complaint covers the following items : -- Comenity and XXXX paperless design within the emails employs UX that encourages users to look immediately at the main item ( the money amount and due date ) and to overlook the statement because all the important information is right there in the big box within the email.
-- There is no customization on the main payment page, once logged in to make a payment, to alert a user that they DO have a promotional APR with a clear end date. It is instead buried in old statements, when in reality it should stand just as clearly as the account due dates.
-- Regarding my experience XX/XX/XXXX : Unreliable scheduling system.
-- No emails to let the user know that they have successfully scheduled a payment.
-- No emails letting a user know that their promotional APR is ending soon.
-- Regarding my experience XX/XX/XXXX - XXXX : Unreliable web system that can not connect to the last digits of my SSN to my account, and a bug well over a 24 hour period and after office hours are closed, leaving people who make payments within a couple days of its due date ( in other words, a lot of Americans who have financial struggles or are tight on money ) unable to easily make a payment and leaving them to accrue late fees on top of the incredible amount of interest.
10/07/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TX
75209
Web
Older American
I cancelled an order for a desk chair in XX/XX/2020 from XXXX XXXX. The company called me to inform me that due to Covid - they would not be able to guarantee delivery due to covid so gave the opportunity to cancel - which I told them to cancel. At that point - the order disappeared from my customer profile. In XXXX I was charged for the chair. {$970.00} on my Comenity Credit Card account. The chair was never delivered but I have been charged. Last week - I called and a customer service rep said he would credit my account immediately while they do an investigation - to date - I have not received any credit.
In XXXX - I went online to the company From : You Sent : Wednesday, XX/XX/2020, XXXX XXXX ( ET ) To : Comenity Bank Subject : Refunds Message ID : XXXX The charge on XX/XX/XXXX for {$970.00} is for an order that was cancelled in XXXX. I have spoken to XXXX and asked for a refund - I am disputing the charge and the furniture was not delivered.
I then sent a written dispute to the company which they acknowledged receipt and said they would investigate. The following are the other online communications I have filed.
From : Comenity Bank Sent : Wednesday, XX/XX/2020, XXXX AM ( ET ) To : You Subject : Re : Other Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your credit card account.
We apologize for any inconvenience you've experienced. We'll use your feedback to provide the best customer service possible.
Please be informed that a letter addressing your concern has been sent to your mailing address on XX/XX/2020 and will reach you within 7-10 business days.
If you have any questions, please click the reply button.
Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I received today by mail acknowledging your received my written dispute but has rejected it. I would assume that your credit card company is governed by the same laws other credit card companies are. I should not be charged for a product that was never received. Please credit my account for the disputed amount.
From : You Sent : Tuesday, XX/XX/2020, XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Other Message ID : XXXX I received today by mail acknowledging your received my written dispute but has rejected it. I would assume that your credit card company is governed by the same laws other credit card companies are. I should not be charged for a product that was never received. Please credit my account for the disputed amount.
From : Comenity Bank Sent : Monday, XX/XX/2020, XXXX XXXX ( ET ) To : You Subject : Re : Other Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your credit card account. I'm happy to help you today.
Thank you for contacting us we are looking into your dispute.
Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. Please keep in mind that to protect your rights under the Fair Credit Billing Act, we need you to provide the dispute in writing. See the back of your statement for more information. We appreciate your patience.
If you have any questions, please click the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Disputed Transaction - As per your policy - I sent a written dispute for a charge for a product that was cancelled and has not been received.
This letter was sent to you on XX/XX/XXXX well before the deadline for submission of a disputed transaction. Please confirm that you have received this and also please credit my account for the {$970.00} Disputed charge. Thank you for your cooperation.
XXXX XXXX [ Attachment 1 Type : application/vnd.openxmlformats-officedocument.wordprocessingml.document Name : disputed comenity charge.docx ] From : You Sent : Sunday, XX/XX/2020, XXXX XXXX ( ET ) To : Comenity Bank Subject : Other Message ID : XXXX Attachments : disputed comenity charge.docx Disputed Transaction - As per your policy - I sent a written dispute for a charge for a product that was cancelled and has not been received. This letter was sent to you on XX/XX/XXXX well before the deadline for submission of a disputed transaction. Please confirm that you have received this and also please credit my account for the {$970.00} Disputed charge. Thank you for your cooperation.
XXXX XXXX More correspondence From : Comenity Bank Sent : Saturday, XX/XX/2020, XXXX XXXX ( ET ) To : You Subject : Re : Other Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your credit card account.
We apologize for any inconvenience you've experienced. We'll use your feedback to provide the best customer service possible.
We would like to take this opportunity to inform you that, we are still working on your dispute. You will be informed as soon as your dispute is resolved. We appreciate your patience in this regard.
If you have any questions, please click the reply button.
Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I spoke with a Comenity representative- XXXX XXXX on XX/XX/2020 regarding our disputed charge of {$970.00} - which has been in dispute since XX/XX/2020. He stated that we would receive a credit in the amount of the dispute pending the investigation of the claim. He said it would be immediate. This credit has not been issued and given that we are paying interest on a disputed claim where under the Fair Credit Billing Act - the disputed charge should have been reversed at the minimum in early XXXX when you received our WRITTEN dispute. Even though you can go through my online correspondence and see this has been ongoing for now 4 months.
Today - this charge is still showing as outstanding on our account.
Please reverse this charge immediately or I will proceed to file a complaint to the FTC about the conduct of Comenity. And their lack of adherence to this Act. I have done EVERYTHING that you have required under this law and now it is your turn to adhere to the law.
01/04/2022
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
IA
50047
Web
Older American
XX/XX/XXXX -- Complaint being filed due to Comenity Direct High Yield Savings account being opened with {$1400.00} in deposits from Personal JOINT XXXX XXXX Checking acct. # XXXX and credited to Comenity Direct High Yield Savings Account # XXXX. On XX/XX/XXXX, Comenity Direct restricted access to XXXX # XXXX, consequently I can not close the account, transfer money back to XXXX XXXX Checking Account or receive the {$1400.00} balance in this account.
Details Below : XXXXCompleted and submitted online application for Comenity Direct High Yield Savings Account.
XXXXComenity Direct HYSA was opened ( acct. XXXX XXXX ) with a Funding Amount of {$250.00}.
XXXXSuccessfully added data sharing preferences with Comenity Direct, connected by Plaid through XXXX XXXX acct. # XXXX.
XXXXReceived email from XXXX stating XXXX XXXX Checking from XXXX XXXX XXXX acct XXXX # XXXX was added as a transfer account.
XXXXReceived email from XXXX thanking me for opening an account.
XXXXTwo factor authentication was successfully enabled for my account.
XXXXTwo small deposits ( {$.00} / {$.00} ) from Comenity Direct were successfully deposited into my XXXX XXXX checking account XXXX XXXX. I confirmed these two small deposits with Comenity Direct through the secure messaging email at Comenity Direct.
XX/XX/XXXX -- Two small deposits ( {$1.00} ) were reversed and withdrawn by Comenity Direct.
XXXXFunding amount of {$250.00} was withdrawn from XXXX XXXX acct. XXXX XXXXXXXX by Comenity Capital and credited to Comenity Direct HYSA # XXXX.
XXXXReceived letter from Comenity Direct ( dated XX/XX/XXXX ) requesting additional information within 14 days in order to process High Yield Savings Account application. They requested a recent utility bill or a recent bank statement or most recent W-2 or 1099 Form. I sent a copy of my business checking account statement since they requested a recent bank statement rather than a statement from the funding bank account. Sent all three requested documents on XX/XX/XXXX.
XXXXTransferred an additional XXXX electronic transfer deposit from checking acct. # XXXX in the amount of {$1200.00} to XXXX acct. # XXXX and was credited on XX/XX/XXXX.
XXXXBalance in Comenity Direct HYSA is {$1400.00} XXXXReceived email from XXXX, MO, Product Support Representative Customer Care stating they had received documents in the mail but were unable to find a reason as to why they were sent. I responded to the email explaining that they had requested additional information and three identifying documents which is what I sent and what they received.
XXXXReceived email from Comenity Direct stating XXXX Were Sorry, Were unable to approve you for a Comenity Direct High-Yield Savings.
XXXXComenity Direct HYSA # XXXX was restricted. I can not transfer or withdraw my {$1400.00} and can not get an answer from Comenity Direct on how to gain access to my funds.
XXXXReceived email from XXXX, MO, Product Support Operations Specialist thanking me for confirming that I had sent the requested documents through U.S.P.S.
XXXXReceived email from XXXX, MO, Product Support Operations Specialist stating that they were waiting on proof of ownership of XXXX Bank acct. # XXXX and that I could email it back through there secure email as an attachment.
XXXXEmailed latest XXXX XXXX acct. # XXXX through secure email at Customer Care XXXX
XXXXReceived email from XXXX, MO, XXXX XXXX XXXX 1 acknowledging the receipt of the XXXX XXXX emailed statement XXXX
XXXXReceived letter in mail from XXXX XXXX Customer Care requesting the same information as previously requested except for the bank account statement which shows ownership of the funding account. I told them that I had mailed all the documentation requested including the Funding Bank Statement on XX/XX/XXXX through the XXXX.
XXXXReceived receipt from XXXX. that the documentation that was mailed to Comenity Direct Customer Care had been delivered and Picked Up at the XXXX, MO Post Office.
XXXXCalled Comenity Direct Customer Care and XXXX XXXX XXXX and XXXX. XXXX stated that she had reviewed the documentation for fraud and had forwarded the submitted documents to management for review.
XXXXReceived email from XXXX, MO, Product Support Rep 1 stating they had received notification of my recent phone call and that my account is being reviewed. Once they have additional information, they will communicate that through this secure messaging center. We apologize for this delay.
XXXXCalled Comenity Direct Customer Care and spoke to XXXX and she stated that my account was still restricted and that it is currently being reviewed by management. She also said that the Management Review Department was very backed up due to the number of pending account reviews and the restriction was scheduled to be resolved by Friday, XX/XX/XXXX.
XXXXReceived email stating that my Enhanced Statement for XX/XX/XXXX, acct. # XXXX was able to be viewed and downloaded. This statement, which is attached to this complaint shows a balance of {$1400.00}.
XXXXCalled Comenity Direct and talked to XXXX and she called the Internal Department to find out what the problem is. I was told that the account is under Review and that the Internal Department has contacted the funding bank to verify the ownership of the XXXX XXXX, XXXX. account # XXXX and they have not heard back. I told XXXX that I had mailed and emailed copies of my latest XXXX XXXX XXXX statement showing that this was a joint account and that I was an owner. She stated there is nothing she could do and that THE ACCOUNT IS UNDER REVIEW!
XXXXAccount still RESTRICTED and I still do not have access to the {$1400.00} in our Comenity Direct High Yield Savings Account # XXXX and all correspondence with Comenity Direct Customer Care ( emails and phone calls ) states that my account is being reviewed. Once again, Comenity Direct HYSA XXXX XXXXXXXX is RESTRICTED. I can not transfer or withdraw my {$1400.00} from Comenity Direct HYSA XXXX XXXXXXXX and can not get an answer from Comenity Direct on how to gain access to our savings.
Thank you for your help!!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX
09/27/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
OH
45504
Web
Dear Sir or Madam, 1. CB/VICSCRT Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 90 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 120 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as 150 days late on XX/XX/XXXX I immediately disputed this information with CB/VICSCRT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/19/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
OH
43231
Web
Dear Sir or Madam, 1. CCBXXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days late in XX/XX/XXXX, XX/XX/XXXX also 90 days late in XX/XX/XXXX and XX/XX/XXXX as well as 120 days late in XX/XX/XXXX and XX/XX/XXXX I immediately disputed this information with CCB/XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX
12/11/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
MO
63074
Web
In the late summer XXXX, I began to experience extreme financial hardship. I reached out to XXXX for help and to try to keep the accounts in goodstanding and preserve my credit rating. I initially asked for a rate reduction on several occasions and was denied. I was not sure as to why because I have excellent credit. The accounts are XXXX # -XXXX and XXXX XXXX # XXXX. So after the denials, I kept making my regular payments, but it was becoming increasingly hard, due to the change in finances. I called and messaged several times to work with XXXX and enroll in the hardship program. The process was extremely difficult and time consuming, because I kept getting the run around, plus I had to do follow up work after XXXX employees, because they were not correctly processing my request. Prior to financial difficulties, I had and still have excellent pay history. I have a min of 6 cards offered by XXXX, and I have been a customer for over 5 years without any negative occurences. Over the course of 4 months, I have been communicating with XXXX and the experience that I have had has been negligent, inconsistent information, zero % accuracy, and false assurance. Below is a timeline of all the errors that I have encountered and as a resolve for the poor customer care I am requesting that the fees on my account are refunded immediately and well as interest accrued. In addition, I am requesting a detailed response to my letter and not the generic auto response that I have been bombarded with over the last 3 months. I also want proof that my XXXX and XXXX XXXX accounts are enrolled in the hardship program as I have been requesting over a month.
XX/XX/XXXX- I called and spoke with a rep about the interest on the account and requested a lower rate. I also asked for any help that could be offered, but because my account was current I was denied. I requested that both accounts be closed.
XX/XX/XXXX- I called a few more times asking for assistance, but was still denied.
XX/XX/XXXX- I called and spoke with another rep and inquired about settlements and again hardship because I was having financial difficulties. I also sent a secure message explaining my hardship and inquiring about settlement. I also informed that I am working hard to prevent any loss.
XX/XX/XXXX - I received a message through the online site and was told to submit the request in writing.
XX/XX/XXXX- I uploaded a signed pdf requesting a settlement for the account XX/XX/XXXX- I received a response that my request has been forwarded over to the appropriate dept.
XX/XX/XXXX- I called and checked on the progress and I was told that it was not updated/ under review to give it some time- so I waited until the beginning of XX/XX/XXXX - I missed my payment, because I did not have the funds XX/XX/XXXX- It was 1 full month later, so I called and I sent a secure message for an update on the settlement request XX/XX/XXXX- I received a message to call and so I did. I spent 40 mins on the phone consistently explaining and repeating information that I had already submitted online. I was also told to call different depts and when I called I would be transferred back to the other dept. The last rep I spoke with agreed to help me and to enroll me in the hardship program. I was told that a do not collect was placed on my account. I was shocked because I never sent a cease collection letter. I had requested help for a settlement. I told that I needed to send letters requesting that the do not collect hold be removed and that I wanted to enroll in a hardship program XX/XX/XXXX- I went online and sent hardship requests for XXXX and XXXX in letter form and a fee refund XX/XX/XXXX- I received a response declining the fee refund, but there was no indication about the enrollment to the hardship programs. So I replied to the message asking about my enrollment and further explanation Ultimately, I never received a response XX/XX/XXXX-I sent another message asking for a response and I have to explain again my prev conversation- the rep told me to call XX/XX/XXXX- Received another generic auto response and was told to call customer care XX/XX/XXXX- I spent 21mins and 17sec on phone with rep I had to re-explain everything again and re-request to be enrolled in hardship program- The rep said that she had enrolled me and I even managed to make a partial payment. I also asked specific questions to ensure that I was enrolled in 60mnths no interest and I also was told I would receive written confirmation. I was also told that everything was taken care of XX/XX/XXXX- I checked online and seen that auto payments were set up, but the account still showed past due and it did not reflect any type of hardship enrollment. I never received any documents and I was still receiving collection calls XX/XX/XXXX- I called to inquire because the account did not reflect any changes. I was told that the account was not enrolled correctly or that the enrollment was not set ( cant remember which one ) However, again I had to spend 32mins and 11sec on the phone trying to get the situation rectified and following up on the mishap of XXXX customer care team XX/XX/XXXX- I sent a letter similar to this, expressing my discontent XX/XX/XXXX- I never received any communication- had to keep sending letters XX/XX/XXXX- I emailed and called, for late fee refund on both accounts and interest refund, but I only received generic automated responses. I did speak with a rep that confirmed I was enrolled in the hardship program, but I never received any docs. The only docs I received were letters stating that auto pay had been setup on my account. I want to either speak with a rep and settle these accounts and never do business with XXXX again or issue the refund I am requesting, plus a detailed non auto generic letter confirming my enrollment. My accounts are not deliquent, have never been deliquent. The only hiccup i had was the paymemt that was made like 4 days after the due date, bc i did not have funds and i told the XXXX that was the purpose of me enrolling.
12/28/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
IN
46323
Web
Dear Sir or Madam, 1. ZALES Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with ZALES and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
01/08/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
NY
11747
Web
On XX/XX/XXXX, my XXXX XXXX credit card received a finance charge in the amount {$5500.00} under the name accrued interest charge, and on XX/XX/XXXX, my card was charged {$180.00}.
When I contacted the issuing bank Comenity Capital, I was told that I received these interest charges because I failed to make a payment for the promotional period full balance by due date.
However, Ive always intended to make the promotional period full payment before due date, and have made bona fide efforts and taken concrete steps to make that happen -- - before XX/XX/XXXX, I'd set up online repayment order in the full amount of outstanding balance to be posted to my account by due date ( shown on the screen of the online banking system as XX/XX/XXXX for this period ). My payment was indeed posted on XX/XX/XXXX. ( See the attached Statement XXXX ) While on the phone, Comenity informed me that the due date I used was the wrong due date ; actually, there is another due date for XXXX, but in order to see this other due date, I had to retrieve the electronic version of the XXXX statement from the online banking system, and then Id be able to see this different due date specifically for the promotional period ( See the attached statement XXXX ).
The bank also mentioned that they had previously sent an email notification to me in late XXXX to remind me of the ending of the promotional period and remind me to pay by due date. ( See the attached statement ) There was no mention of a specific date, or any hint that this due date might be different from the regular due date the XXXX billing cycle, so I just assumed that as long as I made the full repayment by the due date for the XXXX billing cycle, I should be fine.
I complained to the bank that the only due date shown on the screen of the online banking system is XX/XX/XXXX, and in the past 18 months that Ive had this credit card, the default due date has always been the XXXX of each month. Therefore, its entirely reasonable and natural for me to infer that Ill be able to fulfill the promotional period requirement by making full repayment by XXXX XXXX, XXXX, and thats what I did.
The way that key information ( in this case, due date XXXX XXXX, XXXX for the promotional period ) is provided, through electronic statement only, but not through online banking system or email, is at best misleading, or more appropriately, unfair, deceptive and abusive. Given all the circumstances, this setup is like a trap, carefully designed and calculated to exploit financial consumers psychological limitations and good-faith reliance on common usage habit, attracting unwitting and unguarded financial consumers fall into an unescapable web, while ostensibly appearing to be legal.
It may not be a coincidence, that this bank has stopped providing XXXX XXXX credit card agreement through the CFPBs website. Attached is a screenshot taken on XXXX XXXX, XXXX of all the credit card agreements under Comenity Capital Bank. While XXXX XXXX credit card is still offered to the public on Comenitys website, the agreement is not on the CFPBs website, even though credit card issuers are generally required to post the credit card agreements that they offer to the public on their websites, according to CFPB. The banks failure to fully disclose the terms and conditions of this XXXX XXXX card to the American public in a transparent manner, combined with my personal experiences, made is quite suspicious that the bank is intentionally employing evasive and crafty practices.
When I took great pain to locate the current version of the XXXX XXXX credit card agreement and the credit card agreement provided to me back in XX/XX/XXXX when I first opened the account ( both versions in the attachment ), I noted that the current version begins with a section on electronic communication. Nonetheless, this section was entirely missing from the credit card agreement that I received back in XX/XX/XXXX. Therefore, when I opted in to receive electronic statements in XXXX, there was apparently inherent risk associated with electronic communication that the bank failed to address back then. Although the bank did update the card agreement to address the electronic communication, I didnt receive any notice of such update, at least the bank is not providing such notice through the CFPBs website.
Last but not least, the way that XXXX XXXX credit card calculates accrued interest for the promotional period seems to be an outlier in the industry. Under the current formula, if someone missed the payment for even {$1.00} after the promotional period ends, the bank is entitled to charge the entire accrued interest during the XXXX promotional period! Thats way too punitive and harsh, especially considering most purchases put on XXXX XXXX credit cards tend to be high-dollar-value diamonds and jewelries, so interests accrued over an XXXX period can be very substantial! Ive used a variety of credit cards offering promotional periods over the years, the vast majority of credit cards do not have such harsh computation methods for accrued interests. The only other card that I can think of that uses the same harsh computation method is the red XXXX card another store credit card once issued by Comenity but is no longer offered for unknown reasons.
In sum, Comenitys misleading, opaque and confusing communication of the payment due date caused me to set up a wrong date for my payment to be posted, thereby incurring significant interests charges. Comenitys calculation method for interests is punitive and disproportional and should be unenforceable due to unconscionability. Comenitys misleading and damaging communication and punitive interest charge constitute unfair, deceptive and abusive practices, and have caused significant damage and emotional stress on me.
Taken as a whole, this product XXXX XXXX credit card carries significant compliance risk, operational risk, reputation risk, and legal risk, and should be stopped to prevent further hard to Americas financial consumers.
10/20/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Overcharged for something you did purchase with the card
TX
78265
Web
Dear Consumer Finance Protection, I hope you guys are having a blessed week as for me I'm Going through a Nightmare with a terrible credit card company called comenity bank who I borrowed from to make a down-payment on my XXXX XXXX XXXX happy as can be, or at least thought so. About a month or Two later in I get a call saying we are looking for our money you owe us but I thought it was some kind of scam ( like the car insurance calls you get after you buy a car ) but the next week I started getting calls all day long. I Called the XXXX dealership to verify if this comenity bank was real and was told by my dealer to ignore them its a scam. Well they called even more as if they wanted to scare and bully me around so I called an attorney. He said they might not be scammers to give them a call to find out more. Turns out I owed them because the dealership had taken out a credit card for XXXX as the down payment which I did not realize that and didn't receive any bill as they were mailing them to the wrong address. After a handful of trying they finally got the address correct but refused to send the credit card till pay off current balance which of course I always pay off all bills that owe. I followed through and started making my monthly payments with them while they demanded that the paymentis are set to automatically draft from my account when they feel like it. While they still kept slamming hard on hitting my credit score bringing it down as well adding negative comments to my credit accouts, months later due to current circumstances and the stop of job due to coronavirus I called and asked what they could due to help and they confirmed could skip payments. Yet still force pulling money from my empty bank account and adding multiple invalid late payments to my account. Next they lowered my total credit card limit down XXXX dollars impacting my credit even harder. During the next 3 months I finally get a job at the XXXX and continue to faithfully make payments bringing my balance ( as I called to confirm ) to around XXXX which shows on the statements received in my XXXX XXXX XXXX I called to make a payment about XXXX and noticed the bill was not matching the correct payment amount and was told would need to pay about XXXX or so more and when said ok I can do that to not occur anymore interest charges but the lady already ran my card and said would need to transfer me to collections. When I spoke to collections the guy spoke to seemed really shady and was acting completely strange as if he hardly new anything about my account and did not want to take my payment until I requested a manager. After telling him I got a job now and would like to pay this off by next 2 weeks he said " o really " in a suspicious manner kind of comment. I Then waited a week to find out the next bill statement suddenly went up to over XXXX dollars with the new balance showing near XXXX dollars. When I called and asked for manager they put on the phone XXXX XXXX Because refused to give his last name. When I explained the whole situation to him was told that would submit the complaint and oh it looks like there were some interest charges and a promo that ended which says on the bill ( Note : bill does not list any of the dates or months to show what any of the charges are for, only a lump sum ) and he said oh it looks like there were two charge I can take off that were mistakes. I will send you the update just call us back next week by Wednesday should be enough time to update this. Then he said would let another person know about this but you will still have to pay all these charges.
but will send this up to see what can do. I checked back a few days after was told here let me give you a few credits for your trouble and we will put this under the coronavirus case and the lady ( supervisor ) said to check back and your new balance should go down to XXXX ( which still does not resolve the issue even so called to check balance like told two days later nothing been changed nor credited, even was told it went to fees on the account ). The Next days I tried calling XXXX 's direct extension given to me. I was told he is not there and nothing has been done with my case to call ( just keep calling ) back.
Update : Dear XXXX, I have a quick update for the case. Just noticed even though the billing statement reflects different, I was told last month when called to check the balance that the next due date would be 2020 XX/XX/XXXX for the about of {$75.00}. I called on the XXXX of XXXX to make a payment which now am being told is late as well it went from {$75.00} to {$90.00} to my surprise and think it's because of the increased several hundreds of dollars on the bill is reflects the higher monthly amount. I checked to see if could remove any late fees and lady said we gave you plenty of free credits your getting no more ( Amount on bill shows none given ) remember you said still try to keep current, I asked lady if could pay tomorrow ( XXXX ) She said yes will put a note in my system. I called next day and strangely a lady who answered the phone did not know where or who she is working for. I asked who is this and she hung up. I called back and another lady answered at the same time I got a another call. I asked if she could hold for a second because I am getting another inconing call and she hung up right away. I called Friday XXXX the XXXX at XXXX XXXX was put on hold for four hours ( can send proof, I took screen capture ) then lady answers and was able to make the {$90.00} payment to keep account current. Thats the status update. I also still keeping count current and am still faithfully making my monthly payments and they still keep trying to drag the complaint out further now there response to state of Delaware and me was the complaint email words are to small. In return to the letter they mailed out to me ( and they cc 'd State of Delaware ) I did the same and printed larger ( normal ) font and mailed letter to Both parties involved over this billing dispute.
07/29/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
PA
19026
Web
Purchased a wedding dress onXX/XX/19 from David 's Bridal. I applied for the store 's zero percent interest credit card onXX/XX/19 through Comenity Bank and was approved. Didn't receive the credit card and/or Comenity Bank 's first billing statement from David 's until on aroundXX/XX/19 reflecting the first payment due date of XX/XX/19. Received an email from David 's Bridal onXX/XX/19that dress was on it's way ( already had appt scheduled forXX/XX/19to try dress on as that is the date the sales rep promised me the dress would be in ).
Paid my first payment of the 6 month 's promotion onXX/XX/19. Picked up dress on XX/XX/19like promised. Paid every payment on time ( due every month on the XXXX ) with the exception of a few months where I paid several days earlier. Paid remaining balance of the promotional amount ( {$1400.00} ) on XX/XX/19.Every month statements were mailed to my house, however, every month I paid on online bill pay which were paid on or before the XXXX of each month until the balance was paid off by XX/XX/XXXX.
On XX/XX/XXXX I received an email from David 's Bridal that said " statement enclosed '. Knowing the balance was paid in full byXX/XX/19I went online to and download the XXXX statement only to then realize that my promotional balance must have been paid in full by XX/XX/XXXX, 2019 and not XX/XX/XXXX when the due date was. I called David 's Bridal and explained that I had not known they changed the promotional date. The rep stated that they never changed the due date but that the 6 months promotional started running 3 days after the date of purchase ( XX/XX/19 ) and not on the billing cycle date. I explained that I had not even received the dress until 1 month and 3 weeks later. I asked how they could justify charging me for something I hadn't even received yet and start a promotional balance on an item I haven't even received until at least 40-45 days later?
I explained that I made my first payment ( after not receiving the dress yet ) as a responsible consumer because I knew the balance would have to be paid off in six months from the XXXX statement. The rep explained that I had 60 days to call into them to complain to them about my bill. I asked why would I complain about the bill when the bill amount was correct and that I knew the dress must be paid off within 6 months ( i.e. XXXX 2019 ). The representative told me that if she received a bill in the mail and had not yet received the product that she ... herself ... personally would have called Comenity bank to tell them she wasn't paying for something she didn't receive yet. Consequently, assuming that I had 60 days to call Comenity bank to let them know not to start the clock on the promotional interest, I had never received notice in writing or otherwise, advising me to call Comenity bank if I didn't approve of the promotional billing date. More importantly, why would I call to complain about the six months promotional balance anyway??? As far as I was concerned, the balance was to be paid in full byXX/XX/19 which is exactly what I did.
I further explained that I have utilized zero percent interest on over 20+ retailers and have never once in my life heard of the bank starting the promotional balance three ( 3 ) days after purchase of an item I didn't even receive yet. Let 's assume my item wasn't available, or possibly no longer came in that size, shape color, etc. If I would have to re-order another dress then theoretically David 's Bridal/Comenity Bank would then have to alter that date for promotional purposes to the new dress 's order. She said no, I still would have been responsible to continue to pay my original promotional balance byXX/XX/19.Does that even make sense??? So I would have to pay a bank/retailer for an item I would never receive?
In addition, the representative said that the David 's Bridal/Comenity Bank notified me on each statement that the balance was due byXX/XX/19. I assure you, my eyes at XXXX are not that bad. I have 20/20 reading vision but because it's the smallest print I didn't see it at all for SIX MONTHS STRAIGHT. The Comenity Bank representative claims the color was in RED which it is not. It borders on the pale pink side at the very best ( PLEASE SEE ATTACHED COLOR PHOTOGRAPHS OF THEIR FIRST AND LAST INVOICES TO ME ). At no time at all is the promotional balance date listed or affixed to the front page or remittance stub for all that matter. It is however, cleverly placed on the second page of the statement behind the other papers in the smallest print and the palest color. Additionally, since I paid everything online and never once looked at the statements ( because they were being mailed to my house ) there was never anything notifying me on the front interface of their website to reflect that the promotional balance must be paid byXX/XX/19 instead oXX/XX/19. In addition to that, almost invariably, every blessed time I have used zero percent interest, the bank sends you an email either a month or two or a few days before to let you know the promotional date is expiring ( PLEASE SEE AN EXAMPLE FROM XXXX XXXX XXXXXXXX ). David 's Bridal/Comenity bank did not do that. They expected that I was able to read their pink small print to reflect that the balance must have been paid in full 5 days before my billing due date. I paid the balance off in full within the 6 month 's billing cycle and kept to my end of the bargain and they did not.
I want them to remove the {$130.00} of accrued interest they charged me on my David 's Bridal/Comenity Bank Credit Card ; reflect my balance owed on their credit card/charge card as zero and make sure they do not report any negative balance and/or charge offs to any credit agency as this is not a charge off situation it's a fraudulent situation where they attempt to unilaterally choose a promotional billing due date without any input and/or say from the consumer and without sufficient or adequate knowledge of the consumer or for a date other than the billing cycle date.
10/19/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
OH
43231
Web
Dear Sir or Madam, 1. CB/XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX also 60 days late in XX/XX/XXXX, XX/XX/XXXX as well as 90 days late in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CB/XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
06/20/2019
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt is not yours
IL
60640
Web
XXXX XXXX XXXX , XXXX is using Deceptive practices to lure customers into a timeshare under the false pretense that the enrollment is a trial and that the customer will not be charged. On XX/XX/18, I attend a presentation at XXXX XXXX XXXX XXXX to receive airline tickets, courtesy of a raffle I won at a XXXX hockey game. Ahead of the presentation, I was directed, over the phone, that I needed to sit-through the entire presentation in order to receive the airline tickets. I asked, both over the phone and in-person the day of the presentation, numerous times if I had to purchase anything to receive the airline tickets. I was advised by the phone rep and Sales rep that I was not obligated to purchase anything and that enrollment into XXXX XXXX vacation club program was purely voluntary.
After finally completing the sales presentation ( an hour process overall ), I declined the offer to enroll in the vacation club. Upon my refusal, another rep was brought-in to speak with me about alternative offers ( I believe she was responsible for financing ). I again, refused the offers. Given I understand Sales and knew the Sales rep depended on commission, I tried to soften my refusal to enroll by giving an explanation ; ( 1 ) I explained to the gentleman that I am a single person therefore the amount to enroll and benefits were not feasible. I then asked how often people my age ( XXXX at that time ) enroll and he stated, [ more often than I think but mostly couples ]. ( 2 ) In addition to my single income, I stated, more than once, that I had recently paid-off all installment debt with the exception of 2 large, private student loans ( this can be verified by the credit bureaus ) ; I explicitly expressed that I did Not want to take on another installment loan/trade line. The Sales rep seemed to understand but then stated had another offer he could give me before taking a moment to bring-in a third rep. This rep, XXXX XXXX, proceeded to tell me about a " '' trial '' program that offered the same perks as the vacation club but less expensive for enrollment. I informed " XXXX '' that I did not want any new trade lines on my credit report and that I could not afford enrollment. XXXX indicated that I did not have to worry about fees that everything would be covered if I was " approved '' for vacation club credit. Having a background in XXXX XXXX, I knew the appropriate questions to ask, I knew to read the entire agreement, and I knew to confirm what I knew before signing anything. To secure the sale, XXXX proceeded to answer my questions deceptively. I asked, more than once, if entering the contract would produce a new trade line on my credit report ; XXXX said no. I asked if I'd owe anything or need to put money down ; XXXX said no save for the Processing Fee. When these answers conflicted with the terms I read to myself, I asked XXXX to clarify and he confirmed that everything was as he stated, versus the physical documents. During this entire process, XXXX was the only person present and the original Sales rep did not return until copies of the agreement were being packaged and given to me.
I believed the entire experience to be above board until I began to receive collection calls and notices ( my mail was delayed due to Forwarding ). In today 's climate of robo calls, I typically do not answer unidentified incoming calls, however, I eventually came to realize that XXXX was claiming I owed them a debt ; roughly 60 days delinquent. I immediately advised a rep of Comenity Bank, collecting on behalf of XXXX, that I was mislead into the account and disputed its balance. The Comenity rep advised a dispute would be opened and that someone would contact me with follow-up. An estimated month goes by and I discover the dispute I requested was in-fact not opened, therefore pushing the account into greater delinquency and subsequently impairing my credit score ; after spending months to decrease my debt and build my score back up. Luckily, I was able to open a dispute on that same status call and received confirmation a case was opened. The case was opened in XXXX. Towards the end of XXXX, I received a notice and subsequent collection calls, that my case was resolved and I was obligated to pay the debt XXXX is demanding. The notice I received included a truncated copy of the contract I entered XX/XX/18, and said contract was cited as " proof of the purchase. '' With collection calls resumed, it became apparent to me that Comenity Bank would not resolve my issue because they were improperly handling the situation. This was evidenced by the continuous notion that I " made a purchase, '' after telling a number of reps that I was mislead into a timeshare. The deception becomes more blatant as I review the XXXX contract and see numerous conflicting terms ; i.e. the Truth-in-Lending Disclosure Statement reflects, Number of Payments : 1, Amount of Payment : {$0.00}, When Payments are due : XX/XX/18. Or how the " Down Payment Method '' states there was a check attached when I did not provide a downpayment, let alone a check.
As evidenced by my credit bureau activity for the past year, I paid off my car, all of my credit cards, a line of credit with XXXX and a XXXX XXXX loan - in addition to over {$1200.00} to the XXXX of XXXX to retrieve my car out of impound and the subsequent {$800.00} to have their damage to it repaired. It literally makes no sense that I would turn around and enter into a $ XXXX installment with a hotel I have never patronized. To this day, I have not used their services. However, I have made at least one payment in an attempt to protect the fragile 600-range credit score I worked so hard to rebuild. The payment was futile and infuriating to say the least. I am currently unemployed, with only enough saved to keep a roof over my head and my private student loans in the green. I can not afford negative credit ratings and I should not be held liable for the unfair, deceptive and reckless behavior of XXXX XXXX.
10/18/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
GA
30349
Web
Dear Sir or Madam, XXXX. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days late in XX/XX/XXXX and XX/XX/XXXX as well as 120 days late in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CB/VICSCRT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
09/27/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
NJ
08043
Web
Dear Sir or Madam, *1. CB/VICSCRT Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as 60 days on this account in XX/XX/XXXX.
I immediately disputed this information with CB/VICSCRT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX IXXXX XXXX, Iowa XXXX
11/23/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
TX
75126
Web
Dear Sir or Madam, 1. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX as wells 60 days late on XX/XX/XXXX also 90 days late on XX/XX/XXXX lastly 120 days late on XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the XXXX. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
05/04/2017
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
CA
93309
Web
Back in XXXX XXXX I was looking at my credit report because I have had my personal information stolen in the past when My XXXX XXXX was stolen. Now, every time I want to make a large credit transaction I make sure that my credit is in order and that no one has used my information to open fraudulent accounts since my information is now out there. That day I was contemplating applying for a mortgage and sure enough I saw there were some accounts on my credit report that I did n't recognize. On XXXX XXXX I filed a police report and filled out a fraud affidavit. I had a police report filed years ago with the XXXX . but I could n't locate it and did n't really want to spend time looking for it. I located a notary but unfortunately she was n't available until XXXX XXXX so I waited for her. I had the form notarized on that same day. On XXXX XXXX or XXXX XXXX I submitted that affidavit and report to the creditors who were reporting on my credit report. On XXXX XXXX I decided to also submit that report to all credit bureaus so that everyone involved knew that this was a case of identity theft. I awaited results from the credit bureaus but what I get first is a collection notice from Victoria 's secret asking me to pay by XXXX XXXX . I figured I would give them the benefit of the doubt as they must surely be working on my case. Eventually notices from the bureaus start trickling in. Some even state that there were some Victoria 's secret accounts deleted from my credit report, ( I was n't aware there were multiple reporting on my credit report ), but the one I disputed remained as verified! At this point I was gravely concerned. First of all, I do not shop at Victoria 's Secret . Second of all, I 'm a married man in my XXXX 's and have seen it all. I do n't need to spend excessive money on my wife looking XXXX or have her buying overpriced lingerie. In other words, I WOULD NEVER OPEN AN ACCOUNT AT VICTORIA 'S SECRET! To say that this account is mine is a bold lie. Because this account was supposedly verified with the creditor I decided to give the creditor a call. On XXXX XXXX I spoke with a XXXX at the fraud department. What I heard from her really upset me. She stated that they had received my fraud documentation and had it for quite some time but had not assigned it to an investigator yet. I will repeat, on XXXX XXXX XXXX stated that her company had not yet assigned this fraud case to an investigator. I submitted my Fraud affidavit either the last day of XXXX or the XXXX day of XXXX ! They were trying to tell me that 2 months later they still had n't even begun looking into the matter! I explained to her that I was really upset and that this was delaying me from buying a home and that I would give their company 30 days to resolve this case before I decided to escalate the matter for their negligence as this was literally costing me money in investing opportunities. She said they would begin the case immediately. On XXXX XXXX XXXX , I had yet to hear from Victoria 's secret or receive any other notice other than another collection notice ... I decided time was up and made a call. I spoke with a XXXX that day and expressed my frustration at their lack of any meaningful investigation or addressing my fraud case. I was told that the investigator had some questions for me and that 's why they had n't proceeded with the case. Besides the fact that I never received a notice or phone call from their so called investigator I played along and decided to answer some of their questions. At first I was asked if I had lived at a XXXX XXXX address. At first I did n't recognize it because it was an address that I had lived in XXXX California 6 years ago but my wife reminded me that we lived there 6 years ago. I informed XXXX that I lived there 6 years ago. They then asked me about my children.. I refused to answer that question as that was none of their business. They then tried to tell me that this was leading to being mine because it originated in an address tied to me even though they refused to state or answer my question about what address that was for almost XXXX minutes. She then started getting " pissy '' and saying that the investigation had 58 days left on a 90 day timeline to complete an investigation. We started arguing back and forth because XXXX kept saying that they had 58 days even though I informed her that the documentation had been submitted the XXXX of XXXX and there was no way there was still 58 days left when by my math they had received the documentation 85 days ago. She stated that the case was n't started until XXXX XXXX .... After a lot of arguing she then stated that the reason this case had n't proceeded was because the investigator had to ask me questions even though I never once received a phone call from their company or a letter asking me to call them. At this point I knew they were just playing games. I demanded to know what address they were linking this and me to and she told me the XXXX address. Her math was a little off though. They claimed this Victoria 's secret account was opened in XXXX XXXX with the XXXX address even though I have lived in XXXX for 6 years and I informed her of that fact. More arguing back and forth and finally I was just fed up. They started this investigation 2 months late, they admitted to it, they " verified '' information falsely with the credit bureaus. My own signed and notarized affidavit states that I was in XXXX and my current address months before this account was even open. They claim to not proceeding with the case because questions they wanted to ask were never asked or attempted to be asked. At this point I need your assistance. I 'm seriously ready to sue but I want to give you a chance to contact them to do the right thing before we spend a long time and money in court.
04/22/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
AZ
85286
Web
I am writing regarding my XXXX XXXX account and the severe negative financial impact against our family by Comenity Bank. We were under a deferred interest promotion and additionally I am a XXXX and severely impacted by COVID-19. I have several issues with Comenitys communication in relation to the expiration of this promotional period as well as the response to the issues raised and lack of transparency for the benefit of Comenitys financial gain.
I would like to start with my initial concern that I have NEVER received any mailed communication from Comenity not even the card or the promotion details in written correspondence ( these items were supposedly returned to sender ) but no additional attempts were made to send this to me. After months I did speak to someone at Comenity and explained that I had seen the flag on my account that my address was incorrect but it was actually correct. The agent said that it was due to the fact that Comenity had received returned mail ; it was never explained what was attempted to be sent to me and the agent did not make any indication that they would resend the actual card, disclosures and promotional details.
In XX/XX/XXXX I received a call that my account was past due ; I explained it was due to the fact that I couldnt do auto-pay because my credit union has multiple share-IDs tied to the same account number and the money was always pulled from non-accruing account. I made the payment over the phone and was asked about my address again and I explained that I never receive anything from Comenity. Up to this point my expectation was that my address was correct and it was correct on the account, but my understanding was that maybe a stop was in place and never removed due to the returned mail at the beginning of the account opening.
Fast forward to XX/XX/XXXX when I logged in to pay the account balance of {$2800.00} and saw that the balance was significantly higher and upon review of my statement I saw promotional period had expired as {$2100.00} of deferred interest was applied on XX/XX/XXXX. I was deeply concerned because I received XXXX communication regarding the expiration of a promotional period.
On XX/XX/XXXX I called customer service and explained that I was experiencing a loss of all income due to COVID-19 ; we were still electing to make the payment in full for the balance due on our XXXX XXXX account. As I explained that I was looking for an extension of 15 days to pay the balance in full and was subject to a loss of income butI was stonewalled with the exhausting repetition of reciting policy. I requested to speak with 3 levels of supervisors and was met with the identical response. I made a payment of {$2800.00} to satisfy the balance. I made a case saying that I NEVER received disclosures, that I had XXXX income and there were potential UDAP violations and I would report my issues to the CFPB to review the practices of promotional expiration notification. I was amazed as all parties I spoke to only defended Comenitys position with the sole explanation that the E-Statement was the source of the promotional expiration details. I was utterly appalled as I made a case explaining that I work for a bank and have seen the CFPB continually question communication methods and stress availability and transparency of details related to charges. I incurred a {$2000.00} charge with no additional attempts to communicate the expiration of my promotional period. I shared that the E-Statement was embedded, emails included payment details but no indication of period expiring, no written communication, calls or texts regarding the expiration either. I attempted to explain that this was highly questionable because Comenity obviously benefitted greatly and I was significantly harmed. The optics and response appear that Comenity deliberately does the minimum to communicate the end of an expiration period for their own benefit.
Finally, on XX/XX/XXXX I spoke with XXXX and she was the first supervisor to listen and recite policy or use my election of an E-Statement and their inclusion of the expiration within the E-Statement as a defense. As she listened, she shared that Comenity also extends a grace period to pay a balance of 3 days for the expiration of promotional period ; additionally she added that on XX/XX/XXXX Comenity began extending promotional periods up to 90 days. She submitted a request to have my promotional period extended based on the grace period and extension due to financial hardship due to COVID-19. XXXX made no promises because she said it is out of her control if they will approve the extension.
I am asking that the promotional period be extended by 30 days to avoid the {$2000.00} in deferred interest, balance of account has been paid as of XX/XX/XXXX. The allowance of the 3 day grace period and availability to extend the promotional period due to COVID-19 should be suffice to remove the deferred interest and extend the promotional period so the balance can be paid in full.
Additionally, I request that Comenity 's practice and tools for communicating promotional expiration across " ALL '' cards be examined for significant negative consumer impact. The details aren't included within the payment emails that are distributed ( include due date, payment amount and balance ), no additional forms of communication are attempted when on e-statements, e-statement is where dates can be expiration dates can be found, e-statement is embedded within account summary, no separate or promotional expiration specific communication was sent outside of normal payment reminder emails, on payment screen there is no indicator of approaching promotional interest expiration.
Appears that no process for call center to log or escalate consumer violations or regulatory violation complaints. I made a request to escalate and no action was formalized. There was separate occurrences which were initiated by myself.
08/17/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
GA
30291
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX Consumer Finace Protection Bureau XXXX XXXX XXXX XXXX.
XXXX, D.C. XXXX To whom It May Concern I XXXX XXXX would like your help on cleaning up my credit. I am a single mother of XXXX a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I always use to pay my bills on time and had perfect credit until I lost hours working with XXXX XXXX XXXX and had to find another job with the new job XXXX XXXX XXXX I was making way less than I was with XXXX XXXX. I would pay my bills on time Until I got pregnant with my daughter in XX/XX/XXXX, I wasnt able to do much lifting with my XXXX I was constantly in pain from the beginning of my XXXX. OnXX/XX/XXXX I went to the doctor and was given a letter for light duty XXXX XXXX XXXX said they were not able to accommodate light duty so the doctor placed me on bed rest for the remainder of my XXXX I was XXXX XXXX XXXX XXXX. As a result of that I went home with no pay and I could not draw unemployment because I was still employed with the company.
As a result of that my credit started going down hill I never started working again until XX/XX/XXXX after a separation from my husband with XXXX young children. I moved to XXXX and once I started working I started making payments on my car note every two weeks until I was current. It was a lot but I did it with determination. Because I was trying to mentain my good credit which was very hard seeing I only made {$9.00} and {$9.00} after my first three months.
I also cleared my credit card bill up once I was working then they started putting things on my credit. XXXX XXXX XXXX put a bill on my credit I bought a package from them in early XX/XX/XXXXfor {$600.00} I wasnt able to do all my treatments because of work I wasnt able to go out there anymore and I found out I was XXXX so I couldnt do the treatments anymore. I informed them of my situation and they told me I could always come when I am ready after I have the XXXX. I was still paying on it but sometimes I would pay late and they would charge me a late fee. At one time I checked and I had paid them over {$700.00} and they were still charging me. But I didnt have the money I wasnt working and I called them sent them letter of my situation and still they did nothing about it, and they closed the company down and still wanted me to pay them so I was not able to go back and finished my treatments XXXX XXXX XXXX closed their doors and I was not able to go finish and they still wanted me to pay and I was paying. I made arragements to pay every two weeks but I had a lot of bills I was trying to clear up and while I was on a payment arrangement one week I couldnt pay and I called them and they said ok when I called back to pay they placed the account in collections with a balance of {$180.00} I think that was very very wrong and I was not treated fairly in the same time I got separated from my husband lost my mom to XXXX XXXX with XXXX young children all on my own in a new state as a result my credit is ruined I was not able to pay my car note on time with XXXX XXXX XXXX or my Credit Card bill and I understand that they have to report every late payment but I told them of my situation they didnt take the car which I think was nice of them but every late payment was reprted and I want to see if I could have some of those late payments removed if I could get some credit forgiveness or something cause I hate the idea that my credit is ruined because of my situation and I wont be able to provide a decent life for my babies because your credit score is everything and I am not a person who just do not want to pay their bills but I fell on some really really hard times and it has been very difficult for me to even I moved back to XXXX and I am a single mom of XXXX as I have said before my rent and my household expenses and daycare fees are more than I make but I am trying really hard to maintain a roof over our heads. I work really hard but I only make {$12.00} an hour and I just basically need some help in repairing my credit the legal way because seven years is a long time to wait and I would really love to purchase a home for me and my XXXX children soon. I think I would be better off with a mortgage with more space and a back yard for my kids to play in. I pay every bill you would pay in a house right now in my apartment. I would just appreciate your help in resolving some of my credit issues I have ordered my credit report from all three credit bureaus. Please I need your help. Also the Apt I was living at the time in XXXX XXXX XXXX I moved to XXXX in XX/XX/XXXX I gave them a notice I never kept a copy thats where I went wrong but I moved and I left my husband in the apartment and he said he saw the letter there after I left he never kept the letter either and he moved out on the XX/XX/XXXX and they wrote me said I owe them over {$2000.00} I tried to tell them I did give my notice in but they said they couldnt find it and because I couldnt find it either I had to pay them all I think it was {$2300.00} I got my taxes back and I paid them everything all at once. I think that was wrong they knew they got a notice but they said it wasnt in the file. They placed that in collections too but once I paid they took it off. But that too was unfair cause I did give them a notice. Also XXXX sent me a bill and when i called them to pay the bill which was {$95.00} they waid it was already paid i only owe them {$12.00} which i paid and told them to closed the account. Only to get a bill from them almost a year after saying i owe the {$80.00} after my investigation they said someone else called in to pay their bill and they posted it on my account in error, so now i owe them and they placed it in collections i paid them then i wrote the credit bureau and i think they removed it but in case they did'nt i think you sould know about that too.
Please I need some help Sincerely, XXXX XXXX
11/19/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
TX
75146
Web
Dear Sir or Madam, XXXX. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as XXXX 120 days late on XXXX XXXX
I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
10/13/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
OH
45385
Web
Dear Sir or Madam, 1. XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX as well as 120 days late in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
08/23/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
TX
76016
Web
I opened a line of credit with XXXX in XX/XX/2017. I enrolled in XXXX XXXX 12 month, zero interest plan. XXXX XXXX line of credit is backed by XXXX XXXX. My credit is Excellent and I qualified for all of the zero interest plans they were offering, but I chose the 12 month, zero interest plan to finance a couch costing {$1300.00}. I did not need to do this to afford it, but I did so out of convenience. The couch was delivered in XXXX and I made my first payment of {$100.00} on XX/XX/XXXX. My XXXX statement had {$31.00} in interest charges. I called XXXX customer service to resolve it. They informed me that I was correct, that they had made a mistake and that the interest fees would be submitted for a dispute and it would be resolved. At this time I made a second payment of {$310.00}. About a week later I received a standard form rejection letter informing me that I didn't qualify for the plan that I had enrolled in because one of the following criteria was not met : 1. The promotional plan was not offered at the time of your purchase, 2. Your purchase received rewards points and or a discount in lieu of the promotional plan, 3. Your purchase was less than the required minimum purchase amount. A couple of weeks later I saw my second statement which had another {$31.00} of interest charges added to it. I called XXXX customer service a second time to ask why my dispute was rejected and asked which of the 3 rejection criteria I failed to meet. The customer service representative put me on hold to investigate. After returning to the call he informed me that the first customer service representative that I had spoken with a month prior had incorrectly submitted my dispute, saying that the previous representative had mistakenly entered that I was enrolled in an 18 month, zero interest plan, which was not offered at that time. The customer service representative whom I was now speaking with apologized and informed me that I was correct and said he would resubmit my dispute to have my finance fees removed from my bill and have my account correctly put on the 12 month, zero interest plan. At this time I offered to make my second payment. The customer service representative informed me that I did not owe any payments because in his words " You're paid up through the end of XXXX. '' so I did not make a payment at that time. About 10 days later I received another standard form rejection letter that was identical to the first. On my next statement was a third month 's worth of finance fees and a {$27.00} fee for nonpayment from the previous month. In early XXXX I called XXXX customer service a third time to dispute the finance fees and the late payment fee. The customer service representative waived the late payment fee, but said he could not help with the finance fees. I requested to speak to his supervisor. His supervisor was most unhelpful and offered no alternative course of action other than resubmitting the dispute as I had already done twice before without any resolution or an attempt at a valid explanation as to why the finance charges were on my statement while their own customer service representatives were telling me that I was correct, all the while XXXX was continuing to rack up illegitimate finance charges on my account each month. At this time I paid off the balance of what I owed on the purchase price of the couch which was {$960.00} The supervisor with whom I spoke actually insinuated that I was lying about my past dealings with XXXX customer service, saying " I don't know why any representative would ever tell that you didn't owe a payment. '' It was extremely galling to have my integrity questioned while up to then I was acting in good faith that XXXX would correct their mistake and rectify the situation. A few weeks after that I received my third standard form rejection letter. After that I wrote XXXX a letter informing them that I would not be paying any monies above the purchase price of the couch to pay for finance fees that were due to their ineptitude. At that time my balance was {$100.00}, all of it due to illegitimate finance fees. A few weeks after that I received a letter from XXXX stating that they had conducted an investigation and identified errors on their behalf and would be crediting my account with {$52.00}. There was no specificity of accounting, just a dollar amount which happened to be 50.01 % of my balance at that time. I viewed this as an attempt to appease me and coerce me into paying the remaining {$52.00} of illegitimate finance fees which were due to XXXX 's errors. I had no inclination to pay a cent over the agreed purchase price of the couch as I had upheld my end of our sales contract and XXXX had not. If at any point in this back and forth dialogue XXXX had provided me with some kind of proof or justification that I was incorrect in holding them accountable for their mistakes in not assigning my account to the 12 month, zero percent finance plan that I had enrolled in, I would have gladly paid the remaining balance of {$52.00}. Since then I have made no more payments and XXXX has continued to add finance and late fees onto my account, which has ballooned to now roughly {$190.00}. They have also since reported me to the 3 credit reporting agencies, which has had a serious adverse effect on my credit score. I have had excellent credit for the past 10 years and this late payment report by XXXX has reduced my FICO score from XXXX ( Excellent ) last month, to XXXX ( Fair ) this month. I have initiated disputes with XXXX, XXXX and XXXX and hopefully my credit will be restored. This is a seriously alarming byproduct of this situation, which, if not corrected, will seriously affect my future financial dealings in a negative way. All of this because XXXX refused to take responsibility for their mistake and correct my account, even after I patiently gave them 3 chances to do so.
11/30/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
TX
75217
Web
Dear Sir or Madam, 1. VICSCRT Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with VICSCRT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/01/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
OH
43219
Web
Dear Sir or Madam, XXXX. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( XXXX ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( XXXX ) and ( XXXX ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the XXXX. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent XXXX not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the XXXX, XXXX and XXXX. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( XXXX ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the XXXX, you are required to conduct an investigation on this account if I request it. I DEMAND to see all XXXX XXXX verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide XXXX XXXX Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( XXXX ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the XXXX XXXX XXXX XXXX. I therefore am submitting my written request to you to conduct an investigation. Per the XXXX, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the XXXX, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
10/19/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
OH
43231
Web
Dear Sir or Madam, 1. CB/LNBRYANT Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with CB/LNBRYANT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/19/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
FL
33309
Web
XXXX. COMENITY CAPITAL BANK Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your BureXXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with COMENITY CAPITAL BANK and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
10/18/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
WV
25304
Web
Dear Sir or Madam, 1. CB/VICSCRT Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with CB/VICSCRT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
05/01/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
19390
Web
Today, XX/XX/XXXX I received a call from Commity Bank. It was a call to get payment for my XXXX card. I do not use the card very often and am in a habit of forgetting to make payments. I receive the calls from them but most of the time it is during working hours and I am not able to deal with the payment. I acknowledge my fault in being late on my payments and I feel that I should be penalized, actually I thought that was the whole point of interest. Today I decided I needed to stop putting this off and get this card paid off. I went online to make the payment, thinking I could get rid of the balance because I knew the amount I used the card for was small. I was shocked when I saw my outstanding balance was for {$400.00}! I looked through the 'Transactions and Statements ' section of the website to see what in the world was going on. I had made 2 purchases with this card one on XX/XX/XXXX and the other on XX/XX/XXXX. In total those two purchases came to {$280.00}. The interest rate recorded on the XXXX Statement was 28.24 % and I believe that it continues to be that rate. I made a payment of {$100.00} on XX/XX/XXXX and another payment of {$49.00} on XX/XX/XXXX totaling {$140.00} towards the balance. In XXXX the balance should have been, {$180.00}. While I was forgetting about this card, that I rarely ever use, interest and late fees added up to what is now the current balance. So if we minus 50 % of the {$49.00} payment in XXXX against the principal that would bring the balance in XXXX down to {$150.00}, leaving the other 50 % of the {$49.00} payment for interests and late fee. If we minus the {$400.00} from the principal balance of {$150.00} we get, {$240.00}. This amounts to 152 % of interest of the current principal! I made a payment of {$100.00} on XX/XX/XXXX which is scheduled for release from my account on XX/XX/XXXX. I also called the company because I wanted to negotiate these fees. What they did was fight with me and demean my intelligence and ultimately, upon speaking with a supervisor I got 2 late fees waived. Now, I am not stupid. One of those late fees is policy of the company and the other is covered under the COVID19 mess we are all in. I could not help but think that this has to be against regulations some where. First of all, why isn't 28.24 % interest enough? Why isn't it enough for the finance company to allow this outrageously high interest rate to continue to accrue? My credit limit is {$400.00} on this card and so a {$40.00} late fee represents an additional 10 % of interest on the available balance, not even the amount I have used. In my case it was an additional 25.1 % on the balance. So my true interest charge on this balance is 53.34 % monthly! Isn't that against the law?
Why do I even have a late fee in the first place, isn't the whole point of a credit card for you to buy something you don't have the money for, then pay for it over time so that the lender can become filthy rich off of interest? Isn't a late fee just an interest rate the finance company wants to charge but they can't because of regulations so they use the back door to get it, playing a cat and mouse game with the consumer? I don't mind getting into a little trouble because I neglected the card, I deserve it, but 152 %! Isn't that like dealing with a loan shark? I would also like to point out that on the statement the finance company conveniently does not show that the balance is split between late fees and principal. The late fees just become part of the balance and the new late fee is added as if there is only 1. Then interest is charged on the accrued late fees which are now higher then the principal! Is that allowable? I mean wow!
When I questioned Commetity Bank about this they insisted that it is perfectly legal. Some XXXX XXXX something girl tried to reason with me that the high integrity of the company would not run the risk of doing something crooked or under handed. HA! That poor girl does not know the world she lives in. If this is legal then it is your department that has fallen down on the job of protecting consumers. My personal opinion is that this is an oversight and that it is just another manipulating tactic of the banks to increase the money they can squeeze out of the people who use their services. That is why I am writing this complaint. You have to concede this is outrageous. Again, I deserve the accrued interest on the balance, I don't dispute that. I am wrong for allowing this to get out of hand, but honestly this is like making the stupid mistake of dealing with a shyster and opening up your wallet only to have him take all the cash that is in there. It is like taking advantage of a baby who doesn't know they lost their blankie until it is too late! At this point I will have to pay all of these fees so that I don't have the outstanding balance of late fees on my credit report. My only recourse is to learn my lesson and throw out the card and run if they every try to talk to me again. I would like it if you would do an audit on their company and others like them. I agree with the XXXX XXXX XXXX XXXX, it probably is legal but that doesn't make it right. When you find out they have been extorting the public through late fees I would like you bring it into some kind of balance. The federal government just put XXXX XXXX dollars into the system, most of which was given in guaranteed loans to prop up the credit markets. Tax payers are on the hook for that capital that liquidfied the banks and credit card companies. Not only do they XXXX us with interest and fees, they expect us to bail them out of their continual mismanagement of all that money.
I know that my numbers are small but the percentages say all that need to be said. If this is my experience then it is others as well. You have to concede this is way beyond the cost of money, even for a credit card company.
12/06/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
CA
91801
Web
1. COMENITY BANK/XXXX XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account.
I immediately disputed this information with COMENITY BANK/XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/1996 BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/13/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
OH
43224
Web
Dear Sir or Madam, 1. CB/XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with CB/XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/27/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
IL
60502
Web
Dear Sir or Madam, 1. CBXXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX.
I immediately disputed this information with XXXX and XXXX results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/08/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
FL
33067
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. COMENITY BANK/VICTORIA SECRET & BAL XXXX {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. XXXXBlock. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/27/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
OH
45014
Web
I XXXX XXXX XXXX wish to contest the 30-day reporting on my credit file in reference to untrustworthy company called COMENITY/XXXX XXXX
I have caught THIS COMPANY COMMITTING FRAUDLENT ACTS WHILE CHARGING ITS CUSTOMERS LIKE MYSELF AND THOUSANDS OF OTHERS FOR BENEFITS, THEY CLAIM WE CUSTOMERS CAN BE ELIGIBLE FOR IF LOSS OF EMPLOYMENT, XXXX, CONTRACTING COVID-19 XXXX I XXXX XXXX XXXX became furlough back in XX/XX/2021
My Acct. number for this acct. ends in # XXXX that is what comenity will ask you.
If you check the dates my filing of unemployment claims the claim, I filled was dated XX/XX/XXXX.
My furlough took place in XXXX of XXXX. I was able to make payments on my own until my savings ran completely out, which I knew that I would have a struggle to pay for XXXX, XXXX, and on or until I was able to get my claim started from XXXX. XXXX would NOT even take my calls therefore there was no way I could stop this late process on XXXX XXXX website. XXXX XXXX purposely wanting me to go into default did I mention while still robbing me of an XXXX benefit fee thus charging me late fees etc.
If these were decent people that operate this company this would have never happen because I would have been able to use the XXXX benefit I was and has been paying for since XXXX XXXX. I legally sent what I had from y employer/ the state of Ohio and XX/XX/XXXX informed me from the XX/XX/XXXX website while I was trying to continue filing my claim to get help paying my XXXX XXXX bill while unemployed during covid that the documents that you are seeing in view was not sufficient to get assistance. Therefore my acct. purposely became late due to poor customer service from all parties that I trusted to assist me.
This company that was the benefit third access to my claim called XX/XX/XXXX did not and was going to honor nor pay out my claim for me, yet continue to rip me off in XX/XX/XXXX payments while as I still could not file any claim?
Not to mention I had presented all legalities of documentations way before my account had even been considered late.
These XXXX XXXX/ COMENITY /XXXX crooks never intended to pay any claim of mine.
I have also turned this matter over to FTC/FBI and US Attorney General asking them to investigate.
I feel that If I submitted all the necessary form ( s ) that Unemployment has given me the state info that I sent to these crooks should have been sufficient to at least get one payment out of this XX/XX/XXXX fraud XXXX but no I got nothing but a flag on my credit report? saying that Im 30-days late? WTH when I have been FAITHFULLY paying this fakeXX/XX/XXXX benefit for XXXX near a whole year to secure me if I become unemployed and or whatever its coverages would cover me on this account?
Seriously. I trusted that this acct. would indeed be covered. XXXX XXXX were taking my monies and I was faithfully technically never late to keep this acct. current in case something like I mentioned above like being unemployed whereas getting furlough was out of my control did indeed happen It is so sad that now that I did have to file a claim and was never ever able to get my claim paid for by these three parties involved in the benefits coverage scam they ran on me. I was going to be really late if never getting any assistance in getting nor keep my acct. current with this XXXX XXXX.
With all this madness taking place on me for no reason this makes no sense to take peoples hard earn monies for almost a year and they can not file a claim for which they covered themselves for to get their bill waived and or paid to keep their credit and acct. in good status which is what we consumers had been paying for? That is why I was 30-days late with this horrible company! With me trusting XXXX XXXX after opening this jewelry acct and taking out this so-called benefit fraud taking place all three parties placed me and my credit in a bad untrustworthy jam and should not have.
I TRUSTED THESE PEOPLE. IF I KNEW THEY WERE GOING TO DEFRAUD ME OR NOT HONOR THEIR BENEFITS SYSTEM THEY CHARGED CONSUMERS LIKE ME FOR I WOULD HAVE NEVER TOOK THIS FAKEXX/XX/XXXX XXXX OF INSURANCE BENEFIT OUT TO COVER ME INCASE I LOST WORK, GOT COVID-19, XX/XX/XXXX OR WHATEVER! XXXX SHAME!
I apply for their so -called benefit for financial assistance. I have paid on this fake insurance since XX/XX/XXXX, all the way up to XX/XX/XXXX. I need to get assistance not to mention I applied for this help way before my acct. payment was even due. All three partys XXXXXX/XX/XXXX/comenity bank and this fraudulent company that a third party called XXXX somewhere in XXXX Ga XXXX Completely ignored me.
Me trusting this company called XXXX andXX/XX/XXXXplayed a huge issue in being able to NOT get the assistance thus caused my bill to be late when I applied like 4-5 weeks prior to my XXXX payment becoming due to pay to XXXX XXXX. I took care of my business in order to stop this acct. from becoming late in payments. Why would I not act? My mission is to keep credit score and rating in good standing therefore why would I sit back and do absolutely nothing! You have got to be kidding me. I acted asap these creditors did nothing!
WAY BEFORE I EVEN THOUGHT ABOUT SUBMITTING ANY CLAIM TO THESE ASSURRED PEOPLE. I PREVIOUSLY NOTIFIED XXXX XXXX ON THEIR WEBSITE THAT ASSITANCE IN GETTING MY BILL PAID THRU XXXX WAS NEEDED XXXX STILL DID NOTHING I Did everything thing I possibly could to prevent this acct. from becoming late. I FILED MY CLAIM IN A TIMELY MANNER AND STILL DID NOT GETTING ANY ASSISTANCE WHEN I WAS UNABLE TO PAY?
Mind you I am the customer that is being ignored and not getting the assistance WHILE I have been paying XXXX near a WHOLE year on that XX/XX/XXXX benefit that was unable to use because these people did not honor their benefit, they charged me for almost 1 year! Huh. Evidence attached.
11/23/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
GA
30519
Web
XXXX : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. COMENITY CAPITAL BANK & {$230.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/29/2020
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
FL
33973
Web
Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX SS # : XXXX Date of Birth :XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX , XXXX , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. XXXX Account Number : XXXX This is not mine.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
11/23/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
CA
94591
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. XXXX XXXX & {$2000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) XXXX of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/23/2021
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt was result of identity theft
IL
60411
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX bal. {$XXXX} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
10/05/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Credit monitoring or identity theft protection services
Billing dispute for services
NC
27837
Web
I went to a XXXX to receive " XXXX XXXX '' following a XXXX pound weight gain following XXXX successive pregnancies in XX/XX/XXXX.Two resulted in XXXX & 1 in a XXXX following a XXXX at XXXX weeks. I lost the weight, but I was left with a great deal of excess skin. My friends had this procedure and recommended it. I did n't want to have something very invasive, as I had already had XXXX XXXX surgeries : a right side oophorectomy in XX/XX/XXXX that resulted in a XXXX XXXX to remove a XXXX + pound XXXX, a XXXX in XX/XX/XXXX that resulted in a XXXX abscess and the wound having to be packed for three months because it opened, and a XXXX in XX/XX/XXXX. I also underwent XXXX XXXX in XX/XX/XXXX due to excessive XXXX XXXX. I scheduled the XXXX on my legs and XXXX. I planned to have the procedure done on my XXXX and outer thighs at a later date. I opened a credit card at the spa. The card was through XXXX. It had a {$25000.00} limit. They charged me {$10000.00}. Therefore, I do not know how much it cost to have my knees and XXXX done. Following the XXXX, I experienced a great deal of pain and a sensation that felt like bees in these areas. I still sleep with a pillow between my knees because it feels like my bones are rubbing together. It hurts to sit because my bottom does n't have much padding underneath. Then, my doctor decided that it was necessary for me to have a XXXX due to the excessive XXXX. Nothing else would help it. Not the XXXX, XXXX XXXX XXXX XXXX, nothing. So, I had a XXXX in XX/XX/XXXX. Following the XXXX, I felt worse and worse. As it turns out, I entered XXXX even though I kept XXXX XXXX. I also have a letter from my doctor 's office stating this. I decided that I was not going to undergo this XXXX again. It did n't help, it was painful, and my abdomen had been through enough. The spa started calling me to schedule the XXXX, and I told them that I was n't going to do it. They said that I would still have to pay for it. I said that 's crazy. I asked what I needed to do to keep from having a procedure that would n't be good for me. I was instructed to get a letter of medical necessity from my doctor. So, I did this. I sent it to them. I was informed that they did n't get it. I called my doctor, and asked him to send it directly to them. He did. They still said that they did n't receive it. Finally, I got a copy, spoke to someone on the phone, and asked who the letter needed to go to. This whole time, I had been paying off the card. I sent the letter to the manager. Nothing was done. She said that they had nothing to do with the charges on the credit card. So, I started calling XXXX. Please see the letter dated XX/XX/XXXX from XXXX. They stated that they would investigate my dispute. I received a CHECK from XXXX for {$280.00} dated XX/XX/XXXX. I cashed it! There was no explanation that came with the check. XX/XX/XXXX, XXXX sent another letter stating that XXXX responded that they would not be issuing any credits to my account. ( They had already sent me a check! ) They also said that all services were received on XX/XX/XXXX, which was absolutely not true. I did not have any work done on my stomach or outer thighs. Therefore, I should not be charged the entire {$10000.00}. I was told to contact the service provider ( the spa ) directly. Back to square one. I contacted them again. Nothing. I contacted XXXX again. I received a letter dated XX/XX/XXXX stating that they were informed that services were completed, and I decided to have services performed on a different area than I originally requested. Where did I have the XXXX then? They also stated that I had been issued a provisional credit ( a check is not a provisional credit ), and it would be removed on my next statement. So, I hired an attorney after going back and forth for months of false information being given out. Then, I went to a clothing store to use my credit card that I had held since XX/XX/XXXX. ( It also happened to be run by XXXX XXXX. ) I was informed that I could not use the card as I was " in bankruptcy. '' My lawyer wrote this company to inform them that I am not in bankruptcy and to remove the freeze on my account. They replied and stated that they reinstated my credit limit of {$860.00}. ( Now, I have paid off this card, and I have called to cancel it twice. I have not been allowed to CANCEL this card!!! I have spoken to two different representatives who have transferred me, and then I wind up with voicemail ... ). So, I was left with no other recourse than to file a claim against the spa. The claim is attached in its entirety. Everything is there in black and white. I still have not been able to obtain my medical records/billing information from the spa. According to my lawyer, the spa had 30 days to respond to the claim. This would have beenXX/XX/XXXX. They did n't respond until XX/XX/XXXX. In the meantime, XXXX or XXXX has been sending out information that has impaired my credit. Please see the letter from XXXX XXXX regarding my XXXX card. My credit limit was lowered to {$200.00}, even though I have never been late. I then obtained a copy of my credit report from XXXX. The first two " negative '' items are not an issue. 1. ) I do not own a XXXX anymore. I turned in my XXXX XXXX XXXX in XX/XX/XXXX. I now own a XXXX XXXX XXXX XXXX. That is listed on the credit report as open/never late. 2, ) Also our mortage was bought out twice. ONce, and then again. It is now held by XXXX XXXX. Again, open/never late. 3. ) This is the store credit card owned by XXXX. 4. ) This is the card that I am disputing the charge for. Nothing else on my credit report is bad. This has drastically lowered my credit rating. This company should not be allowed to send this information out while the charge is being disputed in court. PERIOD.
12/09/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
NJ
08854
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. COMENITYCAPITALBANK/XXXX & BAL. {$350.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
12/06/2021
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
TX
75662
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. COMENITYBANK/XXXX bal. {$560.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/02/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
CT
06705
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Forever 21 Credit Card & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXX/XX/XXXX XXXX, Iowa XXXX
11/26/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
RI
02905
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. COMENITY CAPITAL BANK & {$2500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/06/2021
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
TX
75662
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX XXXX XXXX bal. {$630.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
12/08/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
FL
33067
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. COMENITY CAPITAL BANK & BAL. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
04/19/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
VT
05669
Web
Please see below copy of letter send to President of Comenity Capital Bank : XX/XX/2021 XXXX XXXX XXXX President of XXXX Bank XXXX XXXX XXXX XXXX OH XXXX Reference : XXXX XXXX XXXX Account ending - XXXX Dear XXXX XXXX XXXX, I am writing this letter in response to a promotional interest charge that I am disputing. I am asking you for your considering in setting this ongoing dispute.
On XX/XX/2021, I wrote a check payable to Comenity -Alphareon in the amount of {$4200.00}, check number XXXX, Drawn off XXXX XXXX XXXX XXXX This was mailed out on XX/XX/2021 at my local post office in XXXX, Vermont XXXX. This check was to pay off my promotional balance which was needed to be paid off by XX/XX/2021 to avoid any additional service charges.
In XXXX, I am sorry I do not recall the exact date, I received a statement showing a large balance, this concerned me therefore I called XXXX ( Comenity at XXXX and found out they did not receive my check, therefore an interested charge of {$4000.00} was added to my balance. I was very shocked as I explained I mailed the check out in plenty of time. As I said above, I mailed the check out myself at my local post office, in XXXX, Vermont. I was told by a customer service rep that I would need to dispute the transactions and did so while I was on the phone. I asked the customer service rep several times, if I should pay the amount of the check that I sent out and I was told not until they further investigated the dispute as if the check does show up, I would then have a credit. I was told it would take about two to three weeks to hear back regarding my dispute.
On XX/XX/2021, I had not heard anything regarding my dispute, so I called XXXX XXXX to see if they had found my check. This was a very frustrating call as I was told my dispute was denied due to, I needed to show them proof of my check. I explained I mailed the check out and I have no proof of it. They asked me if I had a duplicate copy of my check, and unfortunately, I do not have the duplicate checks as I dont write many checks from this account, the lady I spoke to told me that was a shame, which I felt was not very professional. I asked to be transferred to someone else higher up as I wanted another answer. I was transferred to another supervisor who told me, that there was nothing she could do, that I should have paid it over the phone or online. Which again was very unprofessional as it states on the statement to write a check and mail it out with an envelop provided. Also, this customer service rep also said, that there is no guarantee on the mail so she would of thought with something so sensitive I would have paid it online or over the phone. I than asked to speak there her supervisor and I was transferred a third time and this time ; I was told there was nothing Comenity could do as once an interest charge is posted there is nothing they can do as it is a system thing, and it can not be reversed. At that time, it was been over an hour of being sent from supervisor to supervisor. I called my mother who works at a small credit union in Vermont in the Compliance Department, and she explained to me that if they wanted to, they could reverse the interest charge as it can done, as her credit union has made adjustments to help their members when it is something out of their members control. I feel this is out of my control and it must have got lost in the mail or is sitting somewhere at Comentiy.
On XX/XX/2021, I went to by local post office where the bill was mailed and asked the postal worker if by chance the bill, I drop off a month ago could of falling somewhere at the post office and never went out. The lady that works at our local post office told me she would look but she remembers me sending it out as I never purchase stamps and she put the stamp on the bill and put it in the outgoing mail spot. Our town is very small and have a very small post office not a lot of activity. I also was told if you needed to talk to her, she would be willing to do so, as she told me this is not right.
I called back to talk to another supervisor on XX/XX/2021, to see if I get someone to listen to me and again, I was transferred to two supervisors who told me there is nothing they could do for me. I was told I would have another supervisor call me and I still have not heard from anyone. I wrote a letter on XX/XX/2021, to XXXX, asking again for someone to call me and help me resolve this and as of today XX/XX/2021, I have not heard back from anyone.
I understand you do not know me as I am just anther account number, but I strongly feel I did everything in my power to make this right, by mailing out the check for the total amount due to avoid any additional interest fees. I did what the bill stated which was to pay the amount due before the due date, I wrote the check put it in the envelope you provided and put it in the mail and as soon as I noticed the charge did not come off my account, I called up right away. I am not sure at this point what to do. I am a single hard-working woman who works every day to get by and by added this crazy amount of {$4000.00} to my balance is something I am sick over. I was raised by my parents to be honest and own up to my mistakes and that is what I would do if I did not send out my check on time.
I am asking for your help to resolve this issue. As I was told not to make my payment until my dispute is over, I feel that also was the wrong thing to tell me as, I am now accruing interest on a very large balance. As of today, I am going to make my payment of {$4200.00} which was the amount I wrote the check for.
Thank you for your time and concertation on this matter. I look forward to resolving this matter quickly.
XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX CC : CFBP
12/08/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
IL
60620
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. COMENITY BANK bal. {$1800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
04/26/2018
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Unauthorized transactions or other transaction problem
TX
75204
Web
My attorney sent the following statement ( after this paragraph ) to the organization I purchased the certification prep course from. Additionally, I sent this statement to PayPal when I filed my dispute. However, when the decision came back not in my favor, I filed an appeal. I was not told what the appeal process was by their customer service staff or customer service managers. Furthermore, this information was not on their website. My appeal was denied because, " I failed to present evidence that showed that the service delivered was not as described ''. However, from the statement below you can clearly see that the services that were rendered by XXXX were not clearly delivered. Paypal also did not provide feedback regarding questions I outlined in my appeal or any of the issues I outlined in my appeal. The reason I am raising this complaint is I should be covered by Paypal buyer protection. I also do not feel that their dispute/appeal processes are clearly outlined. Additionally, the response to the appeal did not adequately describe why buyer protection would not be enforced with this particular transaction. I can attach documents supporting my case Statement sent to XXXX and a similar statement was sent to Paypal during the dispute and appeal process -- -- -- See the statement below It has come to our attention that Mr. ( Person Filing Claim ) submitted payment in the amount of {$1200.00} via PayPal to your company, XXXX for a 4-day Project Management Professional ( PMP ) Prep Course scheduled XX/XX/2018 at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Texas.
At the time of purchase, it was indicated by a representative of your company, XXXX XXXX, that the services would include a number of things that were not provided to our client. There was both a misrepresentation of goods and services, as well as a misrepresentation as to who was delivering the course. Our client arrived at the course expecting training from your organization, but was instead directed by a different organization, XXXX XXXX, a company with whom it was never mentioned would be overseeing the training program. In addition to your organizations falsification of training expectations, the environment provided for course administration was hardly conducive to learning. It has become apparent that there was excessive noise, inadequate instructor materials, and unsanitary restroom and training facilities as referenced by the pictures hereto attached.
Our firm would like to take the time to name a few discrepancies in your organizations materials versus what Mr. ( Person Filing Claim ) received at the course. Your organization provided a course outline referencing numerous things that were never received by my client ; ( 1 ) 60 days e-Learning Access, ( 2 ) Industry based case studies, ( 3 ) 35 contact hours certificate, ( 4 ) Trainers notes, ( 5 ) PMP exam application assistance, ( 6 ) 24/7 customer support, and ( 7 ) 4 Full- Length PMP exam practice tests with 800 PMP exam prep questions. In addition to the aforementioned items, your company referenced group activities in the outline received by my client, which were neither presented nor possible due to the fact that only two ( 2 ) students were present for the course, Mr. ( Person Filing Claim ) and XXXX XXXX.
Furthermore, your outline states XXXX presentations would be available for the course. The XXXX presentations received by Mr. ( Person Filing Claim ) were substantially different than the ones taught by the instructor ( as seen attached ), and Mr. ( Person Filing Claim ) never received the XXXX slides actually used. It was never communicated to my client that he would need to bring a computer with him to training and there were no projectors made available, therefore because the XXXX presentations given to him by XXXX were substantially different than those used by the instructor and never received by my client, the course was impossible to follow.
It was also misrepresented in your outline that each student would receive a XXXX XXXX, 6th Edition, when in fact the book provided was illegally photocopied and distributed to the students, as indicated by the watermark on the photocopies. The material provided is in direct infringement of XXXX copyright and your unlawful use of this material without a valid license is considered copyright infringement and in violation of U.S. Copyright Law, Title 17 of the United States Code. A scanned copy of one page of the works that were unlawfully appropriated by you to my client is attached to this letter for your reference.
Your company ( XXXX ) advertises a 100 % Money Back Guarantee provided such within the outline received by our client. In accordance with that policy, the purpose of this letter is to demand a full refund of the {$1200.00} paid by Mr. ( Person Filing Claim ) to your organization as damages and compensation for the unsatisfactory misrepresentation of your training course and materials.
If you do not comply with this demand within fourteen ( 14 ) days, Mr. ( Person Filing Claim ) is entitled to seek monetary damages and equitable relief for your misrepresentation of goods and services. In the event you fail to meet this demand, please be advised that Mr. ( Person Filing Claim ) will pursue all available legal remedies, including seeking monetary damages, injunctive relief, and an order that you pay court costs and attorneys fees. Your liability and exposure under such legal action could be considerable.
I recommend that you consult with an attorney regarding this matter. If you or your attorney should have any questions, please contact me directly. We look forward to amicably resolving this matter and appreciate your cooperation.
Sincerely, XXXX XXXX, J.D. ( My attorney )
08/13/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
OH
43207
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. COMENITY BANK bal. {$400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
08/12/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
OH
43232
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. COMENITY CAPITAL BANK bal. {$840.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
07/06/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
12118
Web
Below is a copy of a letter sent to the creditor regarding the dispute.
Re : XXXX Credit Card Account No. : XXXX XXXX XXXX XXXX The purpose of this letter is to serve as a follow-up to a telephone request made on XX/XX/2021, to dispute all late fees, interest charges related to said late fees, and any negative reporting activities regarding purchases made on or about XX/XX/2021. This letter also requests a period of extension to dispute late fees and associated charges accumulated during XXXX and XXXX billing periods since I, the debtor, has not received any account statements from Comenity - XXXX ( the creditor ).
Prior to the creditors written notification received in XXXX, the debtor has been waiting for an adjusted account statement from the creditor for returned items and has accumulated {$100.00} in late fees and interest charges of {$18.00} during this adjustment period. Since the date of purchase, the debtor has not received an account statement from the creditor, nor has the debtor received instructions on how to claim credit for returns.
On or about XX/XX/2021, purchases were made amounting to {$240.00} through the creditors website, purchased with the creditors credit card, with two items totaling {$78.00} returned to the creditor thereafter. According to the debtors records, the balance due to the creditor after the returns in XXXX should be {$160.00} without interest and further adjustments for payment. Today, debtors account balance with associated late fees and interest charges is claimed by the creditor to be {$370.00}.
On or about XX/XX/2021, the debtor finally received an account statement from the creditor that indicated an inflated balance above the amount of what was purchased with an associated {$40.00} late fee for the billing cycle. Upon receipt, the debtor made plans to formally dispute and address the account discrepancy with the creditor and immediately instructed the debtors banking institution to send {$75.00} to the creditor until the issue could be resolved. Below is a copy of the payment confirmation ( Figure 1 ).
On or about XX/XX/2021, the debtor received a voicemail from the creditor before the debtor could make a formal outreach and returned the call to the creditor. The creditor informed the debtor that the debtors XXXX credit card account was approximately three payments in arrears. The debtor explained to the creditors representative that she disagreed, she has not received account statements since the date of purchase and mailed a payment {$75.00} to the creditor on or about XX/XX/2021, which should have been received by creditor as of XX/XX/2021. The representative for the creditor informed the debtor the payment of {$75.00} was not received and claimed all late fees and associated charges were legitimate since the creditor assumes all account statements to the debtor were received. The debtor explained to the creditors representative that an assumption was made, and likewise, an equal assumption should be considered for a payment made.
Recognizing information gaps existed between the creditor and the debtor, and informed payment was not received, the debtor requested to file a dispute to allow for time to validate information between the debtor, the debtors banking institution, and creditor to remedy and cure. Once notifying the creditors representative of debtors request to dispute, the debtor was passed along to other representatives within the creditors organization with each representative becoming successively antagonistic and obstructive. The debtor addressed the creditors representatives on their misconduct which was acknowledged by the last representative handling the call which shifted blame for the misconduct towards the debtor. The creditors representatives passed the debtor from representative to representative without explanation, withheld and refused validation of necessary account information from the debtor to remedy and resolve information gaps, attempted to collect the debt without advisement, threatened collection of further charges of the disputed debt in question, advised the debtor the calls were being recorded after the fact, and advised the debtor the creditor had no legal obligation to the debtor to abide by any collection law especially laws related to New York State.
The debtor is requesting all associated late fees, interest charges related to the late fees incurred be waived, and any negative reporting actions be stopped in relation to this matter. The debtor has not received any account statements related to the purchase as mentioned above nor has received credit for the returned items. Comenity XXXX, the creditor, assumes the debtor has received account statements which the debtor has not, nor has debtors account been credited for a payment made in good faith. The debtor believes the base amount owed to the creditor with payment and refunds applied is {$89.00} ( without interest charges ).
Upon receipt of this letter, the debtor is requesting the creditor to please investigate the location of the payment delivered on XX/XX/2021, make the necessary adjustments to the creditors to account for payment made in good faith, provide an adjusted statement to the debtors address noted above, validate the accuracy of the debtors credit card account information, waive all late fees and associated interest charges to remedy this dispute, retract any negative reporting ( if made ) [ DEBTOR NOTIFIED OF NEGATIVE REPORTING, FILED XX/XX/2021 ], and advise which address to send future payments to.
If anyone should have any questions or concerns regarding this matter, please feel free to contact me at XXXX XXXX XXXX XXXX.
XXXX XXXX
12/28/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
TX
75149
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CCB/OVERST bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
11/17/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
TX
75116
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXXXXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. VICSCRT bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
11/10/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
TX
75212
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, Iowa XXXX
08/12/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
OH
43227
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. COMENITY BANK bal. {$510.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/03/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
PA
19124
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
09/29/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
OH
43227
Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CB/VICSCRT bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/08/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
TX
77054
Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. XXXX bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/04/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
PA
19146
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CB/VICSCRT bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
01/06/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
FL
33594
Web
Issue # 1 : I placed a call into XXXX XXXX Bank the 1st week of XXXX XXXX to update my address. At that time I was advised that the address was updated. However, I found out on XXXX/XXXX/XXXX that my address was never updated.
Issue # 2 : At the end of XXXX around the XXXX or the beginning of XXXX I received a call from the bank stating that my account was delinquent for {$29.00}, I explained to them that I received a phone call from the company stating that my min payment has been waived for XXXX and XXXX due to being affected by Hurricane Irma. I also expressed my frustration in regards to getting over 3 calls a day from the company. At this time the representative apologized and showed empathy due to my situation.
After, I spoke with someone from the company who called me about the past due status. I called in directly to XXXX Credit Card customer service and spoke with a lady in customer service about my account and all the calls that I had been receiving. She explained to me that the minimum payment on the account had been waived for two months and that she was waiving the {$38.00} late fee due to my unforeseen circumstances. In addition, she stated my credit limit was decreased from {$1000.00} to {$770.00} due to the late payment in XXXX. However, she was putting my credit limit back to {$1000.00}. After speaking with the representative I thought everything had been resolved since I saw the late fee of {$38.00} was credited back to the account and my credit limit was increased back to the {$1000.00}.
Issue # 3 : In XXXX, I logged into my XXXX account and saw that there was no minimum payment due on the account so I figured I had nothing to worry about. In XXXX, while paying other bills I realized that I had not received a bill from XXXX. Therefore, I logged into the website on XXXX/XXXX/XXXX to see what was going on with my balance and if I had a payment due. At that time I saw my account was delinquent and minimum due was {$110.00} but did not quite understand why since my minimum payment had been waived for months. However, I was in the hospital and did not have time to go through everything. Therefore, I went ahead and paid {$100.00}.
On XXXX XXXX, XXXX I received an alert from my credit report that XXXX was reporting my account delinquent for 60 days. I called XXXX because I knew that could not be right if my minimum payments were being waived due to Hurricane Irma. I placed multiple calls into your company between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX asking for the late fee from XXXX/XXXX/XXXX to be waived since I never received a bill in addition to having my credit report updated. I talked to multiple people and multiple supervisors that gave me the run around and different information.
On XXXX XXXX, XXXX I spoke with a XXXX in customer service at XXXX. I explained all the issues I had with not receiving my statements due to wrong address, late fees, and credit reporting issue. XXXX first made sure that my address was updated correctly then requested all statements to be sent to me from XXXX until now. She stated I would receive them in 7-10 days and also walked me through how to get statements online as well. Next, XXXX advised me that she refunded the finance charge from the account. It would not allow her to waive the late fee because one has been waived in XXXX. However, she said she will submit the request to her supervisor to waive the late fee since I never received my bill so that will be taken care of.
Next we discuss the negative reporting on my credit report. XXXX states your company system had an error. What she stated to me was for the month of XXXX, XXXX, and XXXX they were waiving my minimum payment due to Hurricane Irma. But for some odd reason another system still showed I had a minimum payment was due and even showed that way on the monthly statements which was incorrect. She stated it should have all showed the minimum payment is {$0.00} for all three months however that is not what happened. Therefore, what happened is due to it still showing a minimum payment for all those months and no payment was made it got reported to the credit bureau agency that I was delinquent which is incorrect. XXXX assured me she would escalate this and have everything corrected and have the credit report updated because it was incorrect. In addition, the {$19.00} that was still remaining that was due on XXXX/XXXX/XXXX she was going to push out to the next month because of everything that had happened. I explained to her that I had just paid the {$19.00} dollars online so pushing that {$19.00} was not necessary.
XXXX also explained when your payment is waived it pushes out your min payment which is why my min payment went from around {$30.00} to XXXX since it was the three months the payment was waived and the current min payment that was due.
Issue # 4 : I called back in the next day to confirm late fee was waived since I did not see it online, confirm my address was updated, and credit reported was going to get updated. I was given the run around stating no late fee was waived and the credit report will not be updated. I was getting so frustrated because every time I called in I was told a different story and there was still no resolution. I decided to send a secure message through my online account about all my issues.
I first received a message stating late fee can not be waived due to one waived in XXXX. Then I received another message stating it was waived. However, I received a message stating I had to send a written inquiry for assistance with having the negative late payments removed from my credit report. This is so sad because someone recognized the issue however never fixed the problem. You should never treat your customers this way.
09/29/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
OH
43232
Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. XXXX bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/22/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
TX
75224
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. VICSCRT bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items XXXX Notice to Furnishers CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
10/17/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
VA
24540
Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CB/VICSCRT bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
06/13/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
19060
Web
On XX/XX/XXXX, I made a purchase of {$15.00}. I paid for this amount on XX/XX/XXXX online through XXXX and have been using this method to pay off my bill since I started using XXXX credit card. When I received the statement in the following month ( XXXX ) for {$15.00}, I disregarded it as my XXXX statement showed that I had completed the payment for that amount.in XXXX, I received a statement with late fees and I called customer service on XX/XX/XXXX to get the matter resolved. The representative who helped me informed me that he filed a dispute for me and that the late fees and interests will be suspended during the investigation. He told me that I would need to wait to receive mail from the dispute department which would take approximately 5 to 7 business days. I called back on XX/XX/XXXX to check on the status of the dispute letter and was told that it should arrive soon. On XX/XX/XXXX I had to call back because I received a XXXX statement with additional charges on the late fees and the representative told me that the fees will be returned after the investigation. When I received the letter from the dispute department, I contacted XXXX for the information that they needed for the dispute and the XXXX representative told me that I only needed to provide my statement with the payment number to indicate that I have paid. I immediately sent this information online and by mail. Since I submitted the information, nobody reached out to me to inform me whether the dispute was accepted or rejected. While I was waiting to hear back, I kept receiving statement after statement with additional late fees and interest charges. I would reach out to customer service each time and nobody was able to provide an answer. I called XXXX and the representative was able to research my account to find that there was a payment of {$15.00} on XX/XX/XXXX payable to XXXX CARD but the payment had not been processed by the payee. I made a copy of this mail and sent it to the dispute department with a letter attached asking whether XXXX XXXX would like XXXX to resend a check or that I make the payment of {$15.00}. No one answered me and sent me a letter to call them. I called and spoke to a representative named XXXX who said that I have to pay for all of the charges and was very demeaning to me. I asked if she can waive the late charges and interests because they were supposed to be suspended the investigation. She kept asking how I wanted to pay today/if I wanted to pay today but nothing regarding helping me look into the investigation. Those were the only two questions that she asked me repeatedly. After the call, I paid the {$15.00} online just to pay the amount that was not processed by the payee. I had to constantly call XXXX XXXX regarding the dispute status and they kept that they never received the proof or that I did not pay. This went on for four months with me calling customer service and sending mail, so I decided to contact XXXX XXXX on XXXX on XX/XX/XXXX. A representative called me via XXXX on XX/XX/XXXX and I provided to him the letter once again. Each time I talk to a representative they always tell me that they do not see the payment. I called XXXX again and talked to a manager who provided me another letter that shows my payment that I can use as proof for the dispute. After sending this final letter over on XXXX, the representative stated that it was sent to the wrong address in XXXX, NC instead of their location in XXXX XXXX, TX. I had been using XXXX to pay for the XXXX credit card and never had this problem until the XXXX payment even though they claimed they have not relocated. After speaking more with the representative on XXXX, I was willing to pay the first late fee as it was sent to the wrong address but requested to waive the fees during investigation. He proceeded to say that they will not be able to waive the fees since the dispute was not found in my favor. I requested for them to close my account because the late fees were supposed to be suspended this entire time. I closed the account because I did not want the fees to accumulate anymore than it already had.
XXXX reaches out to me after to say : When filing a dispute the fees are held until our Disputes team s completed their research. In your case, the fees were added because we were unable to locate the payment. Unfortunately we are unable to advise why this is the first time the payment was not received from your banking institution. I can assure you that since the XXXX XXXX account has been with XXXX Bank the payment address has not changed. The address in North Carolina may have previously forwarded the payments to us until now. You have since closed your account, we are unable to remove any fees from your account. Thank you for allowing me to address your concerns again.
I believe that I shouldnt have to pay for the accumulation of these late fees when I was told since the first time I spoke with someone regarding the matter that the fees would be suspended the whole time. Since I closed my account, they were not able to remove the fees but were still able to continuously charge me until this very day. No one took the time to explain the charges to me until after I have closed my account.
The main concerns of this problem are summed up in 3 points : 1. Why did I get charged late fees and interest during the investigation and dragged out the time to solve the problem by physically sending mail back and forth when we can easily solve it online?
2. Why did no one ever tell me the status of the dispute case?
3. Why cant they remove any fees from my closed account, but can keep adding more fees and interest?
10/07/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Card opened as result of identity theft or fraud
FL
33973
Web
Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX , XXXX , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
XXXX COMENITY BANK Account Number : XXXX This is not mine.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers -
02/16/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Problem getting a working replacement card
CA
92535
Web
Older American, Servicemember
XX/XX/XXXX XXXX XXXX notified me that my XXXX credit was expiring and they could not bill the card ending XXXX after the monthly billing on XX/XX/XXXX XX/XX/XXXX I sent an inquiry through my secure mail on my one line account XX/XX/XXXX I called Comenity Capital Bank and told them that the card was expiring and that my insurance company had notified me that XX/XX/XXXX was the last billing cycle and that I needed to contact my bank to update my card and asked when my card would be coming out since my card was expiring. At that time, I was told they would mail out the new card ASP In addition to the call on this date, I also had sent an inquiry through the account secure site to Comenity XX/XX/XXXX response from Comenity bank by secure mail through the account site stating they had mailed a card out on the XX/XX/XXXX ( never arrived ) and arrived after XX/XX/XXXX I called back into the bank and reported that the card had not arrived, she told me the card had been mailed on XX/XX/XXXX and it might take a month to arrive to which I told her that I did not believe the mail was that slow, so she said we can send another card and would cancel the one that had been sent out, ( which the one mailed on XX/XX/XXXX still has not arrived as of XXXX. I was told that they would send out another card ASAP but the email from the bank in secure mail stated the card was sent out on the XXXX, she is now telling me it was sent on the XXXX So at this point, she is telling me that they would sent another card out ASAP I LATER FOUND THAT THIS WAS A LIE XX/XX/XXXX I sent in a secure email where I had been notified by XXXX and XXXX that a hard credit inquiry for new credit had been pulled by Cominety Bank ( I had not applied for new credit and had not authorized any credit inquiry. At this point and over the next day, I talked to several customer service representatives and their supervisors concerning this and the cards only to be told the cards had been shipped out and they had no idea why a credit inquiry had been pulled since I was not applying for new credit and my credit limit and account had been open since XXXX and never had a late payment or any problems with the account XX/XX/XXXX I received a letter from the bank stating they received my request for additional card ( my wife and son already have cards so no extra cards were asked for ) and or a replacement card ( also untrue as I was trying to obtain a card for an expired card ) but they could not verify the accuracy of the request so they could not complete the request XX/XX/XXXX I called into the back customer service and again went to a supervisor ( XXXX I think ) who told me that the cards were on the way, and I then asked to speak to her supervisor or manager, and she said you want my mangers manager and transferred me to XXXX and I asked him to give me his full name but he refused, but his statements to me were a little unreal He plainly stated that all the previous supervisors had been lying to me so that the truth would not be told to me under Federal law ( amazing he knew who I had talked to ) and stated they had ask for enhanced security as they did not know how to contact me, but they had a meeting earlier and approved sending me a card and that they had pulled the hard inquiries to find how to contact me but the letter from the bank said they could not get the information from the credit agencies all of this is amazing lie as they have been talking to me for a month at this point, emails that only could come from me through account secure mail and replies from the bank to that.
He told me they had sent the cards out that day and they would be in my mail box within two days as they had tracking ( so this tells me that the cards mailed in XX/XX/XXXX must never have been mailed since they would have known when they would have been delivered ) Then he told me that to help ease the pain, and the lies and hiding he would give me 2,000 reward points on my card which I did not accept as all I wanted was the truth and my card which as I told him I kept for my insurance billing and for my son to use at XXXX XXXX. I also ask him whey they would need to pull a hard inquiry since any card company who issued a card can do a soft inquiry and not use a hard inquiry for me to borrow money which is what they did per XXXX personnel XX/XX/XXXX Secure email stating that my information had been received from my credit file and they would work to resolve but could take 30 days for their RESEARCH? I have specifically discussed with XXXX and all my information including a XXXX XXXX score, address, etc. and payment history was provided so I do not know if they know how to tell the truth, and in fact XXXX stated they are looking at this as fraudulent.
XX/XX/XXXX A envelope came from the back with a card for my wife and my son but I still have not received a card for myself I asked XXXX why did they have so much problem finding me when all my information was in their own files, and to that note I am going to include my billing statement showing the monthly XXXX billing that started this odyssey to use the card Also missing from their side of the secure mail site is a email I sent them telling them about their service, lies and that I would be going to XXXX consumer affairs, and anyone else that I could.
At this point, I reviewed some of the review sites, and find that thousand of people have been treated in ways not that unlike my case and they appear to be a predatory bank site.
Also the inquires are to be removed from the credit agencies, or I shall having talked to XXXX and have it converted to a fraud claim.
05/19/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
92078
Web
Older American
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX To Whom It May Concern : I do not know where or how to start except to give you a short version of my past. In XX/XX/XXXX, I was laid-off, lost my home through foreclosure & my father the same day & became homeless. Do to my age, I could only find part time jobs, to which I had XXXX until XX/XX/XXXX. Do diligent & lots of sacrifices I was able to pay ALL my debts without declaring bankruptcy & rebuild my credit score. That is why I have been very sensitive, emotional & aged to go through this unbelievable nightmare.
Sometime in XX/XX/XXXX, I received my statement due payments for XX/XX/XXXX, noticed 2 unexpected charges to my account from XXXX. Realized I had NOT received my cancelation letter from XXXX. I called & spoke to XXXX/finance dept, & asked for the letter promised to confirm my cancelation that should have been mailed few weeks ago. XXXX/XXXX, promised that he will handle it and Not to be concern with the charges to my CC, to go ahead disputed with XXXX XXXX XXXX Visa. With that information, called to XXXX XXXX Sony Visa & explain the situation and requested to removed/dispute & block the charges made by XXXX & that a promised letter would be mailed to me soon. XXXX XXXX, agreed and to handle it with no problem.
Few weeks later I received a notice from XXXX XXXX Sony Visa that my account with them will be transfer by XX/XX/XXXX to Comenity Sony Visa. I was concerned, so I called XXXX XXXX regarding the dispute, if it was going to be transfer too. They confirm that this dispute was originated by XXXX XXXX & resolved and only balance due amount.
XXXX, XXXX of XXXX and XX/XX/XXXX statement went well as expected. BUT, my XXXX statement showed the 2 XXXX charges was reinstated after 4 months. I called Comenity Sony Visa for an explanation, customer service could NOT figure out how it came about, no paper trail, she transfer me to a supervisor. Supervisor could NOT figure out either, apologies and promised she will credit my account of {$110.00} & {$330.00}, that it might be a mistake from their end & not to be concern.
Since XXXX I have been calling every 2 weeks that amount is still on my account & I was promised that it will be taking care. I lost count for how many customer service agents, supervisors & Senior Account I Specialist that I spoke with & they ALL apologies, sympathized & promised that they have the authority to clean & remove these 2 charges from XXXX.
By XX/XX/XXXX, a letter from Comenity Sony Visa any documents that proves my cancelation from XXXX. I mailed in copies that I had to XXXX but I have not received the letter of our cancelation letter from XXXX. I mailed one with a cover letter to Comenity billing & to Corporate office address.
On Friday, XX/XX/XXXX, nothing was still NOT changed. Called, spoke to customer service clerk, after repeating my situation, she couldnt figure out, she then transferred me to a Senior Account Specialist named XXXX. Repeating in detail & naming the previous Senior Acct Supervisor/Specialist names and their sympathies & promises they would correct this problem. Also, ask if they have received the documents I mailed per their request. she said yes and then I asked if she could see the date & time of my email, yes. She felt so bad & just like the others, started to sympathized & that, it was wrong the way they have been handling & asked if she could put me on hold to get to the bottom of this matter or she can call me back. I said NO I will stay on hold as long as it takes. I was on hold for over 35minutes + another 45 minutes to get to this point. Finally, without introduction, a? gentleman? XXXX from XXXX XXXX office, ( last 4 digits of his employee number # XXXX ).
When he got on line, instead of being courteous, and sympathetic & willing to help, he was rude and said that they have contacted XXXX and said my cancelation memo was after 5 weeks and that I owe them the money. Asked if he can see my documents proving time & date within 24 hours to XXXX to cancel my membership His reply was ; did NOT care. It was very hard to get few words in, because he tried to intimidate me being loud, rude and disruptive. To confirm that I was telling the truth, that XXXX has not mailed any invoices since XX/XX/XXXX, specially, that this charges that I am disputing were to be charged every month. Again, he did NOT care, his decision has been made. I asked, if believes his God, his reply was, I AM, the decision maker for all customers like YOU, who would not take responsibilities to pay with their phony stories & insufficient claims, and hanged up.
I could not believe to what just happen and did not know who can help. Due to pandemic & living alone, where I leave I friends/newborns they call to check on if everything is OK. I did sound terrible ; she asked if I need help. She advised me to call YOU Consumer Protection Bureau & even XXXX, to report my situation & see if anyone could help or advise this matter with Ceminity Bank-Sony Visa.
I am hoping & praying that you can resolve this situation, PLEASE! And, due to my age, pandemic & my health, I dont have the strength to fight anymore. NO I am being dramatic, its reality that is going on. I NEED HELP, PLEASE.
Also, FYXXXX, Comenity Bank is association with XXXX XXXX. Just like XXXX with XXXX and XXXX with XXXX XXXX, etc. I was wondering if their relationship between Comenity & XXXX is the main cause not will to care or solve this matter.
Please, do not hesitate to reach me to clarify any questions you have for me.
Thank you, XXXX XXXX
08/30/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
WA
99163
Web
XX/XX/2020 VIA Secured Message & Certified U.S. Mail COMENITY XXXX VISA XXXX. XXXX XXXX XXXX, OH XXXX RE : Account Ending In : XXXX Dispute ID : XXXX Dear Comenity XXXX VISA Customer Service, On XX/XX/2020, I was improperly charged {$410.00} by XXXX for a booking through XXXX. The terms of the agreement were that 30 % of the booking were due upfront, and the remainder to be charged prior to check-in. Due to practices counter to good faith and fair dealing, my remaining balance could NOT be processed by XXXX because they made up all kinds of excuses why they couldnt process the final payment despite the fact that they had my credit card number and had previously processed the deposit, yet continued to claim it couldnt be processed, despite the fact that I also provided every single credit card I hold in the alternative, and still they claimed they couldnt process the payment and made no attempt to correct any glitches in their processing system, no would they return my calls or answer their phone for over two months. Finally, through XXXX, who XXXX advertised the rental through granted me a cancellation FREE OF CHARGE. I subsequently discovered that XXXX falsely advertised the property as available yet the property rental was never a legitimate property for rental, and that XXXX engages in a fraudulent practice to advertise properties they knew or shouldve know at the time they advertised it to me that it was never available as a legitimate rental, and instead, took the deposit of {$410.00} with no intention to process the final payment, but to falsely claim the rental had to be cancelled due to my credit card not processing, when they had already processed my card previously and all of the banks that issue my credit cards had NO record of any attempts by XXXX to process the final payment. XXXX continued for over 2 months to fail to return my money back to my Comenity XXXX VISA. I filed ( 2 ) complaints and requests for reversal from Comenity XXXX Visa, the first one in XX/XX/2020 which resulted in the investigation being cancelled because I was on vacation at the time that Comenity XXXX VISA purportedly sent me through secure message on my online account a request for further information on my part which was not responded to timely. When I got back from my vacation and called Comenity XXXX VISA customer service and found out for the 1st time there was a request for further information from me and subsequently my complaint and request for reversal had been cancelled, I filed a second complaint and request for reversal from Comenity XXXX VISA. However, that request for reversal was not processed either. On XX/XX/2020, I again contacted Comenity XXXX VISA as to why they did NOT reverse the charge yet, and was advised that XXXX had already been paid and there was NO way for Comenity XXXX VISA to get the money back from them in order to reverse the charge on my account. Due to my disturbance with Comenity XXXX VISA not advising me sooner and leading me to believe they were going to legitimately investigate my complaint and request, which they did NOT follow up on, I was transferred to a manager at Comenity who placed a 3-way call with me and XXXX ( the group that XXXX fraudulently advertised the property and improperly charged and took off with my 30 % deposit, then absconded with the money and refused to return any calls or answer their phone ), and XXXX agreed to process a reversal to my Comenity XXXX VISA. After XXXX made that agreement, I was subsequently requested by them to provide evidence that the {$410.00} charge was actually charged to my account, which I provided, however, after waiting for the reversal and it not being reversed timely, I again contacted XXXX and they then made a new request that I obtain a written letter from Comenity XXXX VISA stating please kindly let the bank provide you any document which shows the dispute failed and the transaction can not be disputed again. I contacted Comenity XXXX VISA with the request for the letter so my {$410.00} could be reversed as soon as possible, however I received an incomplete letter from Comenity XXXX VISA ( attached herein ) that failed to include the information I requested and that on XX/XX/2020 your customer service manager confirmed that Comenity could not reverse the charge because it had already been paid out to XXXX, and the letter also failed to include any reference number, dollar amount, date charge, or any other information to correctly associate or identify the said dispute to even know what request for reversal/investigation they are referring to, so I again had to contact Comenity XXXX VISA to request the same letter a second time, and have not heard any reply in over 10 days, which continues to delay and interfere with XXXX being able to issue me a credit and reversal for the {$410.00} charge on my Comenity XXXX VISA account. If you dont provide me that letter, I will have to dispute ever paying this charge to Comenity XXXX VISA under the Fair Credit Collections Act., among other redresses for the dispute that has now been going on since XX/XX/XXXX. 2020 to date or a total of 3+ months without getting resolved of NO fault of my own. Can you please kindly issue me a letter with the above requested information for XXXX? They want to make sure that if XXXX issues me a reversal, that I am not also going to get an account credit in reference to any dispute with Comenity XXXX VISA for the same charge.
I would appreciate it if you could take care of this matter at your earliest convenience.
Sincerely, XXXX XXXX
09/01/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
TX
77386
Web
Servicemember
Total disputed amount being requested for refund is {$76.00}. Bank assessed late fees, finance charges, insurance fees and a mystery fee after account was closed with a XXXX balance.
Due to difficulty in making payments and accessing a representative I decided to close the account. Reaching a representative was an extremely difficult task of a maze of menu options. This has since been corrected. This bank has NO automatic payment options.
XXXX XXXX XXXX - Full payment as shown on the website account was made. The total balance which included a charge on XXXX XXXX XXXX for a late charge was paid. I sent a secured online message and stated the account was paid in full online and requested the account to be closed. The balance showed as XXXX. Message # XXXX ; Friday XXXX XXXX XXXX XXXX ET XXXX XXXX XXXX - Response received from Comenity Bank stating the account was closed as per my request by XXXX. XXXX but had a current balance of {$45.00} and this information would be provided to national credit reporting agencies. Message # XXXX ; Monday XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I replied that the full amount due was paid in full and the balance should be XXXX as indicated by their online account information. I requested this to be explain or correct and to confirm the account was closed with a XXXX balance. Message XXXX ; Thursday XXXX XXXX XXXX XXXX ET XXXX XXXX XXXX - Comenity Bank replied that they can confirm the account was closed on XXXX XXXX XXXX, the balance was {$45.00} and the next minimum payment of {$30.00} was due on XXXX XXXX XXXX.
Attempts to reach a customer service representative were extremely difficult but many attempts were made to reach a person to have this issue fixed.
XXXX XXXX XXXX - I called and reached a customer service representative. My wife was present during the conversation and was included as we addressed her account as well during this call. The representative explained that due to the account being closed, it was not possible to make any adjustments or waive any fees. I paid the entire amount of {$45.00} online while on the phone which the representative confirmed was received and also very clearly confirmed the account was at XXXX and no possible additional charges would be applied. I requested that a statement be sent to confirm this. We also paid off and closed my wife 's account.
XXXX XXXX XXXX - I received an email notice of payment due for this account. I called and explained this was not possible as everything was resolved 100 % on XXXX XXXX XXXX. I was told it was paid late and that was what the additional charge of {$31.00} was for. I explained that it was incredibly difficult to reach any person ( now the system allows direct access to a representative, but this was not the case previously ) and that it was not possible for any charges to have incurred as it was paid in full on XXXX XXXX ( which clearly included the late charge on XXXX XXXX as part of balance ), then again was paid to cover the supposed delayed late charge on XXXX XXXX XXXX. The representative apologized they are unable to waive or adjust any fees or charges as the account was closed. A conversation with his superior where I complained that it is impossible to have any charge of {$31.00} as any possible charges ( which I fully dispute are legitimate ) were paid in full on XXXX XXXX XXXX. She explained it was a legitimate late fee because the balance was not paid until XXXX XXXX when it was due on XXXX XXXX. The fact that I paid everything on XXXX XXXX XXXX and that the disputed amount of {$45.00} was paid on XXXX XXXX XXXX and CONFIRMED by the representative on the phone that the payment was received and would in fact close out the account entirely with a XXXX balance did n't seem to matter. She held that the charge is legitimate and there was nothing she could do but would make notations on the account.
The entire problem is due to the difficulty of the bank 's system. I have rarely encountered any bank that does not allow for automatic payments. I am a XXXX and work out of the country extensively. I set up automatic payments for every opportunity. My wife manages all accounts where possible and this one was extremely difficult to manage for her with many obstacles. The effort was there on our side. We paid all fees even if we do n't agree they are fair. Now we are faced with what appears to be abuse by the banking system against us in an unjust and unfair way including being dishonest.
I am seeking the following resolution : 1. Immediate refund of the {$31.00} paid on XXXX XXXX XXXX. This was an impossible charge based on the closure and confirmation made with the Comenity Bank representative on XXXX XXXX XXXX.
2. Immediate refund of the late charge of {$30.00} paid as part of the {$45.00} on XXXX XXXX XXXX. This is not reasonable as the late fee assessed on XXXX XXXX XXXX was paid as part of the {$380.00} which should have closed out the account with XXXX balance.
3. Immediate refund of the {$7.00} which has no associated fee. The account was at XXXX balance once the {$380.00} was paid on XXXX XXXX XXXX. The bank claims a finance charge of {$8.00} and an account assure ( insurance ) fee of {$0.00} for a total of {$8.00}. With the late fee of {$30.00} this equals {$38.00} and not {$45.00} meaning there is a mystery charge of {$7.00}.
4. Immediate consideration of the remaining disputed amount of {$8.00} as it seems impossible to have finance and insurance charges on a XXXX balance.
Total disputed amount being requested for refund is {$76.00}.
05/15/2018
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
MO
65807
Web
Within the last 10 months I've had some drastic changes in my life, I just found out that my mother was diagnosed with XXXX and XXXX, she had no where to live and go along with no money. This account that I have with XXXX XXXX ( XXXX XXXX ) I had now for two years never been late always on time and making payments as agreed, until I got the call that my mother was sick and had to relocate my family from XXXX, XXXX to XXXX, XXXX XX/XX/XXXX. I've never hid from XXXX XXXX, I gave my current address and my phone number has never changed. I recently fell behind on my payments here in the last five months and I've been communicating with the company to let them know what has been going on. Well on XX/XX/XXXX I get a phone call from my father, stating that there was a message left on his machine for me, I listened on the phone because my father live in XXXX. Well it was XXXX XXXX and they left a very detailed message for me to contact them back. After I hung up with my father I proceeded to contact XXXX XXXX and spoke with Agent XXXX I think ; and she stated that I was behind and to verify my information, I proceeded to ask why did you contact my reference? My number hasn't changed its still the same, she proceeded to say they couldn't get a hold of me, that is not true. She then offered me a payment plan which the payments would be spreaded out in twelve months and they would waive the late fees, but the catch was I had to have an active bank account, in which I told them I don't have one at this time, but I would make the payments as agreed. She then told me that I see you pay all of your other bills on time through XXXX XXXX and I see you have a bank account on file, can you use that? I proceeded to let her know that is not my account. Well the only way you can get this budget plan is you have to have a bank account. The call ended, Well on XX/XX/XXXX @ XXXX XXXX I get a call from Agent XXXX ext # XXXX and I explained to her what happend and she stated that the call I had previous she was sorry for what happened and she sees that I've never been late and that she sees something was wrong. So she worked out a budget plan with me where I make my first payment of {$110.00} on XX/XX/XXXX and going forward and that they would waive my late fees once I got caught up, and that she would note my account. Well I made my payment as agreed, I tried call Agent XXXX back and I haven't been able to talk with her for a while now. XXXX XX/XX/XXXX @ XXXX XXXX I get a call from XXXX XXXX, It was another specialist and the phone call was for 15 mins explaining to me that my account is five months past due and what are you going to due to take care of this outstanding balance? The past due amount is {$520.00} including late fees and you total is {$2400.00}, I then tried to explain to her that I spoke with agent XXXX a month ago and I have arrangements with her to make a {$110.00} every month til caught up, she then explained to me that there is no notion or records of this arrangement, I then got upset and a little irate, and explained my situation once again. She then offered me the same budget plain as the agent from before, where my payments are broken up in twelve payments for a year do to my hardship of having a drastic change in my life so suddenly, she then stated that I qualified for the program by asking a few questions and then she ask if I had a bank account and then I stated that I haven't established one yet, but now that I'm getting back settled I would definitely be able to make my payments on time, she also stated that my payments would be {$100.00} a month for twelve months, I stated that I could continue to make {$110.00} every month she said that would be fine, but I need a bank account and I explained that I didn't have one and I could just log back in and make it like I've been doing, she then stated that wouldn't work and could I get a pre-paid card? I said no, she then stated that if your not going to corporate she will put me down as a refusal and that let my account go to the attorney ; s office and my credit would be effected and that there will be more late fees added. I then told her that wouldn't work for me and that you all are forcing me to get something that I can't at this time. In conclusion I'm just wanting some way and some how to take care of this bill in a way it is affordable for me and that I can pay every month til its paid off, I'm not running nor hiding, but this company is not trying to work with me, or trying to give some type of solution everything is involving me having a bank account so they can do automatic withdrawal from the account, I don't agree with that, and I'm willing to make these payments with other means, but they won't work with me at all. I'm willing to take the arrangement if there willing to let me pay it on my own, I'm in a position now where I can make my payments on time and be settled with the arrangements, but their telling me different. I have other accounts with Comenity bank and all of them has worked with me and now I'm caught up, but this particular one will not work with me without a bank account for automatic withdrawal. I was told by agent XXXX that it could be done without me having automatic withdrawal. Also every time some one calls me their not noting my account on the truth, their putting down that I'm refusing and that is not the case, I'm willing to cooperate with no problems, but their telling me to pay in full or further actions will be taking, I feel that's unfair and wrong when I'm trying to work with them.
04/05/2020
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
TX
77002
Web
In XX/XX/XXXX I paid the full amount of my XXXX XXXX CREDIT CARD of {$1100.00}.
In XX/XX/XXXX, I was getting ready to take a trip to XXXX ( Traveling on XX/XX/XXXX - for more than 3 months ), so I went to the XXXX XXXX XXXX store located in then XXXX XXXXl, XXXX, Texas, to do an exchange for a different item and I asked the sales person to make sure it was the same amount as the credit I had for the item I returned. She said it was equal value. So, in my understanding, I had paid my statement fully before I travelled and I had no bills to pay at all for this credit card.
Once I got back from XXXX in the end of the year, I shopped in the same store using the XXXX XXXX XXXX credit card without any notices on XX/XX/XXXX of XXXX.
For my surprise, in the same month of XXXX I received a message from XXXX XXXX about a change in my credit, so I noticed that they had reported me to all the credit bureaus for late payment. I went to the store and I asked them to solve this problem, bacause I couldn't understand what I did wrong. The manager in the store said I had to call the credit card company. I couldn't understand it at all, I did sign up in the store to have the credit card that I only can use there.
Anyway, I called the credit card company that is Comenity Bank in XX/XX/XXXX and they said it was my problem with the store. Also, I asked to access my online account to check what happened and it was blocked. And they said they didnt care that the sales person didn't explain to me that somehow I had few dollars balance to be paid and for that reason they were not going to remove the report they did for late payment.
What I found it that the sales person made a mistake when communicating with me on XX/XX/XXXX when I went to the store to exchange the item, The item I returned cost {$1800.00} and the item I took to replace the return cost {$21.00}. Instead of charging me the difference, she said everything was fine, yet the charge went to the credit card - and because of the difference of about {$300.00}, they reported me to the credit bureaus. The most frustrating is that nobody called me during this time to explain why I had a charge in my credit card and to check if I was aware of it.
I felt hurt mentally and financially by them as I wasn't aware of the balance. Nobody from XXXX XXXX XXXX neither the Comunity Bank had called me to notify me and fix it prior to report me to the credit bureaus. I was out of the country for more than 3 months during this time and, even though I wasn't present, my phone has an international plan, so they had access to communicate with me anytime.by phone I never received a call from them during the year of XXXX to notify me of the balance.
At the same time, when I called Comunity Bank on XX/XX/XXXX, I got a very nasty response from the Comenity Bank saying that I had to contact XXXX XXXX XXXX I called the XXXX XXXX XXXX customer number and they said they only can help clients with online purchases and I had to go to their website to be able to contact their customer service by submitting a form. I did it and since today XX/XX/XXXX, I have never received a call neither an email from XXXX XXXX XXXX. The only thing I received by email was a default message saying thanks for your inquire.
I feel that because of few dollars that should be brought to my attention prior to any reports to my credit, my credit score has been dropped dramatically and now it is also hurting my credit limit.
I may have to cancel the credit card and never shopping in the store anymore. I am so upset because I have been a customer for many years and have always paid it. I think they should at least remove the report for late payments as it damaged my credit score. I have a payment to be done for the shopping I made in XXXX without knowing of this problem, and I am waiting on them to fix it, so I can make the payment as well based on the right amount - because they have also charged me for late fees that I wasn't aware that may be higher than the few dollars I owned them without knowing. On top of it, they dropped my limit to the lowest.
Comenity bank started calling me to charge me and one person I spoke to said I had to send a letter to them by mail because they wouldn't do any disputes over the phone or online. Yet, since they said it, and I believe it was XXXX I have been sick and we have been going through the corona virus issue. Most important : IF IT WAS THE WAY TO SOLVE THIS PROBLEM, WHY THEY DIDN'T TELL ME IN FIRST PLACE I HAD TO SEND THIS LETTER BY MAIL? ALSO, HOW CAN THEY CALL ME TO CHARGE AND CAN NOT ACCEPT MY REQUEST TO REVIEW MY ACCOUNT AND FIX THE PROBLEM BY PHONE? AND WHY THEY BLOCKED MY ACCESS TO MY CREDIT CARD ACCOUNT IN XXXX WHEN I CONTACT THEM TO SOLVE THE ISSUE?
So, it seems like dont want to solve the problem and they keep reporting me to the credit bureaus. They have reduced my limit to nothing and they are reporting late payments since last year. It dropped my credit more than 100 points.
I would like to ask XXXX XXXX XXXX to take out all the late payments reports, fees and give my credit back. As I have always said to them, I dont mind paying for any shopping I did and any balance that I own, I just dont agree with them to report me to the credit bureaus in the first place without any further notice and change my limit without my permission or real reason for that! And today, XX/XX/XXXX I tried to access the CREDIT CARD ACCOUNT ONLINE and I had access to it. So, I have a copy of the charges to share here.
04/17/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TX
77002
Web
In XX/XX/XXXX I paid the full amount of my XXXX XXXX XXXX XXXX of {$1100.00}.
In XX/XX/XXXX, I was getting ready to take a trip to XXXX ( Traveling on XX/XX/XXXX - for more than 3 months ), so I went to the XXXX XXXX XXXX store located in then XXXX XXXX, XXXX, Texas, to do an exchange for a different item and I asked the sales person to make sure it was the same amount as the credit I had for the item I returned. She said it was equal value. So, in my understanding, I had paid my statement fully before I travelled and I had no bills to pay at all for this credit card.
Once I got back from XXXX in the end of the year, I shopped in the same store using the XXXX XXXX XXXX credit card without any notices on XX/XX/XXXX of XXXX.
For my surprise, in the same month of XXXX I received a message from XXXX XXXX about a change in my credit, so I noticed that they had reported me to all the credit bureaus for late payment. I went to the store and I asked them to solve this problem, because I couldn't understand what I did wrong. The manager in the store said I had to call the credit card company. I couldn't understand it at all, I did sign up in the store to have the credit card that I only can use there.
Anyway, I called the credit card company that is Comenity Bank in XX/XX/XXXX and they said it was my problem with the store. Also, I asked to access my online account to check what happened and it was blocked. And they said they didnt care that the sales person didn't explain to me that somehow I had few dollars balance to be paid and for that reason they were not going to remove the report they did for late payment.
What I found it that the sales person made a mistake when communicating with me on XX/XX/XXXX when I went to the store to exchange the item, The item I returned cost {$1800.00} and the item I took to replace the return cost {$21.00}. Instead of charging me the difference, she said everything was fine, yet the charge went to the credit card - and because of the difference of about {$300.00}, they reported me to the credit bureaus. The most frustrating is that nobody called me during this time to explain why I had a charge in my credit card and to check if I was aware of it.
I felt hurt mentally and financially by them as I wasn't aware of the balance. Nobody from XXXX XXXX XXXX neither the XXXX Bank had called me to notify me and fix it prior to report me to the credit bureaus. I was out of the country for more than 3 months during this time and, even though I wasn't present, my phone has an international plan, so they had access to communicate with me anytime.by phone I never received a call from them during the year of XXXX to notify me of the balance.
At the same time, when I called XXXX Bank on XX/XX/XXXX, I got a very nasty response from the Comenity Bank saying that I had to contact XXXX XXXX XXXX. I called the XXXX XXXX XXXX customer number and they said they only can help clients with online purchases and I had to go to their website to be able to contact their customer service by submitting a form. I did it and since today XX/XX/XXXX, I have never received a call neither an email from XXXX XXXX XXXX. The only thing I received by email was a default message saying thanks for your inquire.
I feel that because of few dollars that should be brought to my attention prior to any reports to my credit, my credit score has been dropped dramatically and now it is also hurting my credit limit.
I may have to cancel the credit card and never shopping in the store anymore. I am so upset because I have been a customer for many years and have always paid it. I think they should at least remove the report for late payments as it damaged my credit score. I have a payment to be done for the shopping I made in XXXX without knowing of this problem, and I am waiting on them to fix it, so I can make the payment as well based on the right amount - because they have also charged me for late fees that I wasn't aware that may be higher than the few dollars I owned them without knowing. On top of it, they dropped my limit to the lowest.
Comenity bank started calling me to charge me and one person I spoke to said I had to send a letter to them by mail because they wouldn't do any disputes over the phone or online. Yet, since they said it, and I believe it was XXXX I have been sick and we have been going through the corona virus issue. Most important : IF IT WAS THE WAY TO SOLVE THIS PROBLEM, WHY THEY DIDN'T TELL ME IN FIRST PLACE I HAD TO SEND THIS LETTER BY MAIL? ALSO, HOW CAN THEY CALL ME TO CHARGE AND CAN NOT ACCEPT MY REQUEST TO REVIEW MY ACCOUNT AND FIX THE PROBLEM BY PHONE? AND WHY THEY BLOCKED MY ACCESS TO MY CREDIT CARD ACCOUNT IN XXXX WHEN I CONTACT THEM TO SOLVE THE ISSUE?
So, it seems like dont want to solve the problem and they keep reporting me to the credit bureaus. They have reduced my limit to nothing and they are reporting late payments since last year. It dropped my credit more than 100 points.
I would like to ask XXXX XXXX XXXX to take out all the late payments reports, fees and give my credit back. As I have always said to them, I dont mind paying for any shopping I did and any balance that I own, I just dont agree with them to report me to the credit bureaus in the first place without any further notice and change my limit without my permission or real reason for that! And today, XX/XX/XXXX I tried to access the CREDIT CARD ACCOUNT ONLINE and I had access to it. So, I have a copy of the charges to share here.
01/24/2020
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
VA
23059
Web
I am filing a formal escalation complaint against Comenity Bank and Comenity Capital Bank to include a request for full review of their business practices and investigation of other customer complaints like mine against them.
Previously Comenity Bank and Comenity Capital Bank were offered settlements for each of my accounts held by them. In my correspondence they were advised that I would be forced into filing for bankruptcy if I were unable to settle with them. While I was able to reach settlements with my other creditors prior to resorting to bankruptcy as a last resort ; Comenity Bank and Comenity Capital Bank were very clear in their written communication rejecting my settlement offers, thus invoking my notice of intent to file bankruptcy and no further contact request. Choosing to knowingly ignore any consumer protection laws in place ; Comenity continues to harrass and bully me, my friends and family via repeated phone calls, unsolicited text messages, along with daily emails ( every single day up to 6 emails per day ), and recently a representative from Comenity called my father XXXX XXXX XXXX to harass and attempt to make contact with me. Despite acknowledging a previous complaint outlining my request for them to cease the reporting of false current payment statuses on my accounts with them - Comenity Bank and Comenity Capital Bank continues to provides false information to credit reporting agencies each month to reflect current payment statuses on all of my closed accounts with them and then updates the information at regular intervals to a derogatory status in order to drive the credit score down significantly prior to resetting the payment data back to no missed payments and starting the process over again to aggressively drive the score down using false reporting and cause further harm and mental and emotional distress to myself and hundreds if not thousands of other customers who they use these manipulative, harassing and abusive business practices on.
-I am requesting a cease and desist of all communications ( phone, sms, email, postal mail etc. ) from Comenity Bank and Comenity Capital Bank including the communications and voicemails provided to members of my family. Currently I am managing with the support of friends, family and I am unable to afford my court filing fees. I will file for a bankruptcy when I am able to pay for an attorney to represent me in a filing for a chapter XXXX bankruptcy in additional to working with a firm to represent myself and others based on Comenitys illegal debt collection practices, violations of consumer protection laws, and unlawful false credit reporting practices that are intended by their company to harass, demean and humiliate their account holders. I intend to seek justice for each harassing phone call, unsolicited text message, onslaught of emails and postal mailers, as well as their unrelenting abusive business practices that have caused me XXXX XXXX XXXX, constant XXXX, XXXX and XXXX XXXX. I feel like I have no other option at this point but to XXXX myself based on their egregious actions. Comenity has knowingly and aggressively violated consumer protection laws with each of my accounts held with them and ignored my notice of bankruptcy intent ( after their refusal to accept settlement offers for each of my accounts ), in order to obtain a summary default judgement in court for each of the accounts that I hold with them.
-I am requesting that Comenity Bank and Comenity Capital Bank retract all records of false payment reporting that they have furnished to all credit reporting agencies for each of my accounts with them. Every account held with them must be updated to reflect the legitimate non payment histories. Furthermore, I am requesting that both Comenity Bank and Comenity Capital Bank be investigated for their willful disregard for credit reporting laws and deliberate commitment to harmfully abusing myself and other customers by updating payment status to zero missed payments/current every 2 to 3 months and then updating the payment statuses to reflect a derogatory history on a cycle to maliciously drive customer credit scores down by furnishing false data to the credit reporting agencies. They have gone through this cycle for all of my accounts held with them in order to purposefully drive my credit significantly repeatedly every 2 to 3 months. This is an abusive tactic that they employ in order to bully and intimidate customers hold have accounts with them and Ive sought the guidance of a class action attorney to review my issues with their business practices. XXXX, XXXX, XXXX and other credit reporting agencies knowingly accept this erroneous data furnishing and have refused to do anything to correct the false information being staged by Comenity Bank and Comenity Capital Bank.
-I request further escalation to the FTC for review of my complaints outlined here along with an investigation into the named credit reporting agencies to continue to support Comenitys false credit reporting practices and unlawful harassment of customers by furnishing erroneous data.
-I have also filed a copy of this complaint with the VA State Attorney Generals office for review of Comenitys business dealings in my state.
-I am pleading with the CFPB and FTC to perform due diligence in your investigation into this company and their actions against myself and others. I have nowhere else to turn to and I dont know if I can take any more of living like this.
01/07/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Credit card company forcing arbitration
TX
77008
Web
I previously filed complaint XXXX, this is a new complaint as Comenity bank ignored many of the issues and still has not resolved them.
The letter provided back from Comenity is expected as they have repeatedly acted with dismissive behavior avoiding addressing the issues around the complaint. I will continue to file complaints and escalate this issue until they actually address the issues and the violations they have made in regards to the handling of my account.
1 ) Comenity Bank yet again failed to acknowledge or address the fact that they violated the Fair Credit Reporting Act statue 623 - 15 USC 1681s-2 which states they are responsible for notifying me in writing that they are reporting negative information to the credit bureaus. After repeated written requests via their " secure message portal '' and repeated requests recorded on phone calls to their supervisors on the phone, they have yet to produce the requested written letter ( because they never made it or sent it to me ) notifying me of such an event.
2 ) " We placed a " cease and desist '' status on your account ( s ) on XX/XX/XXXX, per your request. We previously received correspondence from you, submitted through the CFPB ( Ref. No. XXXX and XXXX ) '' Again, Comenity has been requested in writing ( secure message portal ) and over the phone on recorded calls to provide such documentation of this request. If they read the complaints filed previously, they would understand that those cease and desist requests were related to the Comenity Bank XXXX XXXX Account where they had complaints filed by me because they used abusive and illegal methods attempting to collect a debt which was not mine ( which they have since finally acknowledged after escalating multiple complaints against them ). There was no cease and desist request made in regards to the XXXX XXXX account as the account was in good standing and there would have been no reason for me to make such a request. Again, Comenity has still not provided such documentation as requested.
3 ) Comenity Bank sent " electronic notification '' emails and never once from XX/XX/XXXX to XX/XX/XXXX when there was an alleged past due balance did they send any email notification of such a past due payment.
4 ) In addition to # 3, the monthly emails that were sent showed no past due or late balance 5 ) In addition to # 3 and 4, suddenly in XXXX the emails they sent showed no information about a payment or balance due ( emails simply show statement is ready ). I believe this was intentionally to conceal any information as they had not notified me via any kind of communication that there was any balance owed.
6 ) They have also removed my statements from the credit card portal so I'm unable to access them. I requested all documents in XX/XX/XXXX and have received nothing from Comenity Bank.
7 ) Restating the facts again, I did make a payment to the account which Comenity has failed to acknowledge or to support why they did not send written or email notification that there was any such past due balance all while sending statement notifications.
8 ) " We received your dispute, filed with XXXX, on XX/XX/XXXX. You noted there were fraudulent charges made on the account or a potential account takeover '' Comenity Bank needs to re-read my complaints which were filed.
9 ) " Its our policy to comply with all applicable laws and regulations. '' Clearly not based on the fact that I've spent hours and years trying to correct unlawful behavior which requires escalating it all the way to the CFPB before they give it any kind of attention.
10 ) AFTER filing a complaint with Comenity Bank, they suddenly changed the reporting of late payments from 3 instances to 4 instances marking XXXX through XXXX as past due despite the fact that as soon as I became aware that they had not received my initial payment and I actually had a past due payment I paid the balance in full prior to the issuance of the XXXX statement.
11 ) I was never notified by XXXX XXXX that they closed my account suddenly, when I asked them about it in the same phone call they both claimed that it was because they had a cease and desist request from me ( that they can't substantiate because it doesn't exist and the one they do have against them was not related to this account ) but at the same time they also tried to state they mailed a copy of the document to me.
12 ) In XX/XX/XXXX, I made a written request to Comenity Bank via their secure message portal to have all documents of communication related to my account provided to me and they have yet to send anything.
Still waiting for Comenity Bank to provide documentation for # 's 1 and 2 above. I have tried multiple times via phone call, written communication, and complaints to resolve the unfair reporting and illegal practices Comenity Bank has used and they are attempting to still avoid addressing these issues through regular means and appear instead to want to escalate this to arbitration. The extent of effort I've had to go to should never be required, they have actively avoided being responsible in their business practices towards me as a consumer in two different accounts I've held with them and it's wrong.
Comenity Bank has knowingly caused direct harm to me impairing my ability to get credit and causing me to obtain less than favorable rates. I will pursue all avenues available to me to remedy the unlawful and disingenuous behavior they conduct.
01/01/2018
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Charged fees or interest you didn't expect
IA
50613
Web
I obtained a line of credit from Paypal in the beginning of XXXX to make a singular, particular purchase. Paypal offers a promotion for obtaining credit, " Paypal Credit ''. Right on the webpage, they have this statement : " When you need to buy something, you dont want to wait. With PayPal Credit, you can enjoy special financing offers like this one : No Payments + No Interest if paid in full in 6 months on purchases of {$99.00} or more. Buying with the power to pay as you choose and still enjoying the security and reliability of PayPal ... now thats magic Interest will be charged to your account from the posting date ( which is usually within a few days of the purchase date ) if the purchase balance is not paid in full within 6 months. Subject to credit approval. See terms.
I made the purchase promptly after obtaining the credit, which the application process had its own disappointing issues. When the statement was made available a few weeks later, I was expecting the promotion details to be stated on the statement. There were no details about my promotion, my charge was listed as a " Standard Purchase ''. It was not clear at first why no details of my promotion were not listed and it wasnt clear to me what a standard purchase was supposed to mean. But on the surface, things seemed ok because this was not a cash advance, it was not a balance transfer, it was an ordinary consumer purchase to a vendor that was conducted online. Inspecting the statement carefully, the fine-print on the back of the statement had language about promotions and deferred interest saying : " There is one type of Deferred Interest Purchase : No Payments + No interest if paid in full in 6 months Purchases : Deferred Interest Purchases on which no payments will be due during the six-month deferred interest period.
If you pay the balance on a Deferred Interest Purchase in full by the Expiration Date, we will not charge any interest for that Purchase. We will calculate the interest for each Billing Cycle prior to the Expiration Date and disclose it on the billing statement as the Accrued Deferred Interest. If you do not pay the balance in full before the Expiration Date, ( 1 ) we may charge your Account, in the Billing Cycle in which the Expiration Date occurs, interest on that Promotional Purchase from the transaction posting date at an APR of 19.99 %, and ( 2 ) any remaining balance will be treated as a Standard Purchase beginning on the Expiration Date. '' There was also language for a " Standard Purchases '' on the back of the statement, it stated : " You can make a Standard Purchase using this Account by choosing the PayPal Credit Payment System when you make a purchase from a Merchant at a website, by telephone, or at another authorized location. We will extend credit to you, in the amount of the Cost of the Purchase, by paying the Merchant on your behalf. '' So it did not clarify that my purchase would not be interest-deferred and I had no reason to expect that the interest would not be deferred provided I paid the balance in 6 months.
So I contacted PayPal and they told me that the promotion does NOT apply to my purchase and it was incumbent on me to determine beforehand if this was a " qualifying purchase '' by contacting the vendor. What was clear from the beginning was the statement, With PayPal Credit, you can enjoy special financing offers like this one : No Payments + No Interest if paid in full in 6 months on purchases of {$99.00} or more. What was NOT clear was that purchases are not all considered equal. It was also not clear to me that *I* had to contact the vendor before making the purchase to see if their purchase would apply under another partys financing promotion and terms. That would mean having to contact a third party to find out if the sale of their merchandise qualifies with the bank ( Paypals financing terms ) as a promotional-eligible purchase before even bothering to go through the entire application process for obtaining Paypays credit. But this is also under the assumption that some random vendor would know intimately Paypals policies and processes for extending credit and exactly how their promotions work. That would also be like two complete strangers have agreed to extend credit/financing from one to the other and the second is paying me their money, and I am completely privy to the terms of their lending. Does Paypal not realize that most people are neither mind-readers nor prophetic, even over distances?
So I appealed to the logic that their marketing did not state that only certain purchases or a limited pool of vendors would apply for this promotion. I also pointed out that it was not clear that the client needed to do this research beforehand and it was not logical that the third party would necessarily know Paypals promotional policy. The point that their promotion allowed for deferred interest on the contingency of paying the entire balance within six months was the entire purpose of inquiring for their credit and I asked them to extend the promotion to this on the basis of their ambiguity, calling out the marketing as deceptive effectively impossible to discern as they state. We have gone back and forth a couple times and their responses have been part adamant and part unintelligent as they refuse to acknowledge the ambiguity of the language in their marketing and the statement fine-print.
04/30/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
PA
18018
Web
Summary : I reported fraudulent charges on my account to XXXX Comenity Bank in XX/XX/XXXX. Their concluded investigation apparently did not find the charges fraudulent, but the evidence presented here proves otherwise. During the investigation Comenity Bank reported my account as delinquent to all 3 credit bureaus ( past due 30 days, and past due 60 days ) which decreased my credit score by 149 points. I have excellent credit and have never missed a payment on any accounts that I have opened. I was advised by Comenity that I did not have to make minimum payments while the investigation was ongoing, and all charges on the account were fraudulent, so I did not have a balance that I should have been responsible for.
Sequence of events : XX/XX/XXXX - I notified BJs/Comenity Bank by phone ( when I received my bill ) of 8 fraudulent charges. Charges were : XX/XX/XXXX - {$100.00} at XXXX XXXX, XXXX NJ.
XX/XX/XXXX - {$100.00} at XXXX XXXX, XXXX NJ.
XX/XX/XXXX - {$100.00} at XXXX XXXX, XXXX NJ.
XX/XX/XXXX - {$100.00} at XXXX XXXX, XXXX NJ.
XX/XX/XXXX - {$100.00} at XXXX XXXX, XXXX NJ.
XX/XX/XXXX - {$100.00} at XXXX XXXX, XXXX NJ.
XX/XX/XXXX - {$75.00} at XXXX XXXX XXXX, XXXX NJ.
XX/XX/XXXX {$75.00} XXXX XXXX XXXX, XXXX NJ.
The associate in the fraud department informed me an investigation would be completed and I would receive a new card in the mail.
On XX/XX/XXXX I locked my card. I received 3 text message alerts from Comenity bank about declined charges because the card was locked.
XXXX XXXX XX/XX/XXXX {$1.00} XXXX XXXX XXXX, XXXX NJ.
XXXX XXXX XX/XX/XXXX {$1.00} XXXX XXXX XXXX, XXXX NJ.
XXXX XXXX XX/XX/XXXX {$510.00} XXXX
My Comenity bank online account also lists a declined charge on XX/XX/XXXX from XXXX.
XX/XX/XXXX - When I received my next bill there was a late fee charged ( {$28.00} ). I called Comenity Bank to inquire as to why I was charged a late fee when a fraud investigation was being performed on my account, and why my account has not been closed yet to prevent new charges. The associate assured me all charges would be removed when the investigation was complete and I did not have to continue to pay on the balance during the ongoing investigation. He informed me that the investigation could take up to 3 months and they are not allowed to close the account until the investigation is complete. All of this seems very odd to me as I have had fraudulent purchases on other accounts in the past and the other banks have always 1 ) removed the charges IMMEDIATELY, not incurring interest or late fees and 2 ) sent me a card within 2 weeks, and 3 ) NEVER affected by credit score.
XX/XX/XXXX I received an alert from Experian that my credit score had decreased 74 points ( XXXX to XXXX ) due to my Comenity account being 30 days past due.
XX/XX/XXXX Comenity bank closed my account.
XX/XX/XXXX I received an alert from Experian that my credit score had decreased another 75 points XXXX XXXX ) due to my Comenity account being 60 days past due.
XX/XX/XXXX I emailed Comenity Bank through online secure messaging inquiring as to why they reported my account as delinquent when an investigation is ongoing? The reply I received informed me that I could make a dispute with the credit agencies, which I did XXXX and XXXX.
XX/XX/XXXX - I filed a dispute through XXXX against Comenity Bank for fraudulent charges.
XXXX dated XX/XX/XXXX from Comenity We have concluded our investigation into this matter. Based on the information available to use, part of which was supplied by you, we can find no basis to support this claim. We will commence forwarding statements to you reflecting the balance owed by you and providing you a minimum payment amount and due date.
XX/XX/XXXX I filed a dispute through XXXX against Comenity Bank for fraudulent charges.
Letter dated XX/XX/XXXX from Comenity - We have concluded our investigation into this matter. Based on the information available to use, part of which was supplied by you, we can find no basis to support this claim. We will commence forwarding statements to you reflecting the balance owed by you and providing you a minimum payment amount and due date.
XX/XX/XXXX I called Comenity bank fraud department to inquire as to why and how they determined that they can find no basis to support this claim. The associate notified me that when a dispute is filed with the credit agencies it is their policy to close the original investigation. He notified me that he could re-open the original investigation and pass it onto a Senior Investigator, which I would get a response within 2 weeks.
I never received a response.
XX/XX/XXXX I received a statement in the mail with a credit of {$140.00}, late charges and interest were removed from XX/XX/XXXX through XX/XX/XXXX statements. Interest continues to be charged on XX/XX/XXXX statement XXXX {$11.00} XXXX and XX/XX/XXXX statement XXXX {$10.00} XXXX. Fraudulent charges have still not been removed.
XX/XX/XXXX - I emailed Comenity Bank through online secure messaging inquiring about the conclusion to the original fraud investigation opened in XX/XX/XXXX. The reply I received stated I received the final conclusion in a letter dated XX/XX/XXXX. I did receive the letter, and it came to the same ( wrong ) conclusion that no fraudulent charges were identified.
10/13/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
WA
98198
Web
Older American
XXXX XXXX XXXX XXXX account I opened an account with a {$300.00} limit I purchased a {$61.00} pair of jeans I missed three payments I got letters I called them and set up payment arrangements on XX/XX/XXXXdue to a letter sent to me saying if I did not make arrangements I would be written off I made arrangements over the phone with a representative of XXXX XXXX on XX/XX/XXXX this call was recorded by XXXX XXXX I was never asked to send anything in writing I offered to give them my debit card to pay my {$61.00} balance which they accepted and took from my bank account they offered to waive {$61.00} in fees and interest which they did reflecting on my statement and their statement I also offer to pay {$20.00} per month through auto pay with my bank XXXX XXXX XXXX I gave them my account number and routing number and authorization to withdraw {$20.00} per month between the XXXX and XXXX of each month until my balance was paid in full they agreed it is on recording they were too continue to take {$20.00} per month until the balance was paid off of {$140.00} which they began doing in XX/XX/XXXX yet they report no payment by me in XXXX or XXXX they took the money directly from my account I have my bank statements they also report my credit limit as {$140.00} and my balance as XXXX my credit limit was XXXX upon opening the card my charges were {$61.00} for a pair of jeans that 's all I ever purchased I missed some payments received a letter saying I needed to make payment arrangements or I would be written off I called them they recorded a conversation I set up the arrangements as I stated {$61.00} immediately from my debit card that day XX/XX/XXXXI then gave them my bank account routing and account number to begin taking {$20.00} per month from my account I did not see XXXX coming out I contacted them several times in XXXX I have the dates several times in XXXX I have the dates and again in XXXX I have the days finally in XXXX I was advised I was written off 4 days after my payment arrangements and after they accepted my money of {$61.00} and wave those fees this is all recorded by them 4 days after my valid payment arrangements were accepted and I began giving them money starting with the {$61.00} which I can prove from my bank statement and they have on their statement they wrote me off 4 days later I began calling to complain they kept sending me form letters about issues that were not my issues things about NSF checks and missing payments things I never complained about I just wanted them to start taking the XXXX per month and to report me correctly they are still not reporting me correctly and they are still reporting me as a write off yet they do not report me in collections because I am dealing with him directly and they are taking money from me directly and they are misreporting they say they received no payment inXX/XX/XXXX or XX/XX/XXXXthey receive those payments they they came right out of my bank account automatically through ACH electronic transfer to their account they reported as a phone payment on my bank statement even though it is an automatic withdrawal there is never a phone call made for these payments I want them to report honestly the correct High credit limit the high correct credit balance and all payments they have received they continue to report me as a write off this is not true I had valid payment arrangements in place prior prior prior to the right off it is all on their recording which they refuse to listen to or release the date of those recordings is XX/XX/XXXXthey report me as written on XX/XX/XXXX after payment arrangements were made and accepted both orally and financially they agreed to it orally on on their own recording took money and are still taking money from me directly from my bank account and they did waive those fees and interest charges equal to the amount of my payment of {$61.00} I have my proof where is theirs? So once again they took {$61.00} XX/XX/XXXX they waive fees XX/XX/XXXX they accepted payment arrangements of XXXX per month for the remaining balance of fees and interest to come out of my XXXX XXXX XXXX account between the XXXX and XXXX of each month until the XXXX was paid off they did not take money out in XXXX they took {$61.00} in XXXX I began calling them in XXXX to find out why they had not taken XXXX I called him several times in XXXX to find out why they had not taken XXXX from my bank account they kept telling me because I was in an escalation department and I should hold and do nothing until they got back to me I continue to call they continue to tell me to hold it 's all recorded by them finally in XXXX they started taking the {$20.00} and they 've been taking it every month since then they need to take me out of right off all I 've done is try to pay these people all my payment arrangements and all their agreements are on my bank statements their statements and recorded by them I want them to take me out of write-off status those arrangements were made prior to the right off the write-off did not occur until 4 days later after my agreements were in place the right off of occurredXX/XX/XXXXI want out of the status of being written off and want them to correctly report my payments that I make to them through my bank account each month including XXXX andXX/XX/XXXX
05/10/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
FL
34221
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, Fl XXXX I am only seeking to return earrings purchased from XXXX XXXX on X/XX/2017 for {$24000.00} and credit to the private label credit card opened on the same day. Rather than cancellation of the sale, XXXX XXXX has offered a {$2500.00} refund. Two independent appraisals value the earrings between {$10000.00} and {$14000.00}. There was misrepresentation ( bait and switch ) of inventory tags or diamonds during the sales process as described below.
I am a Florida resident which has state statutes that are similar to FCRA, FDCPA, and FTC Unfair and Deceptive Practices Act. Diamond earrings were purchased on X/XX/17 while on a cruise at XXXX XXXX. Store did not have desired quality of earrings ( earrings of 2 cts each with a quality of I and I-1 or better ), I purchased my wifes engagement ring at 2.5 cts previously at this quality so I am familiar with this pricing at this quality. My wife and I continued to shop. Manager then brought 2 2 ct engagement rings from the storage vault that he said were of the above quality. At this time my wife was with the salesman looking at other jewelry. I saw an inventory tag cupped in the Managers hand indicating the I and I-1 ratings for one of the engagement rings. I asked my wife to join us to look at the rings. She liked them ( there was pricing and quality discussion ). The Manager and I verbally agreed to $ XXXX price based on this quality.
Manager wrote price on invoice and asked me to sign invoice and complete name and address on invoice. No other information was completed on invoice at this time while the manager took my drivers license and went to obtain approval to obtain a XXXX XXXX credit card. Manager returned with a Comenity Bank ( store credit card ) welcome letter and Credit Account Sales Receipt. Manager told me to sign the receipt for $ XXXX. The salesman man then completed some information on the sales invoice and took a copy to the work shop to have the engagement rings made into earrings. The salesman continued to complete information on the sales documents ( credit card number, inventory tag information, etc. on the invoice and DL information on the Credit Card Account Sales Receipt ; the appraisal was also completed by the salesman ) while the Manager showed my wife and I other jewelry.
The salesman brought the earrings which my wife checked and gave me a XXXX XXXX document jacket containing the invoice, Credit Account Sales Receipt and in-house appraisal. I checked to see that the documents were present but did not check the information on these documents. Completing/altering documents after signature is unlawful as well as misrepresentation of the quality ratings.
There was an initial appraisal obtained for $ XXXX vs $ XXXX purchase price. Size, color and clarity grading of appraisal differed from sales documents. I sent demand letters to XXXX XXXX and Comenity Bank registered agents for merchandise return, rejection of arbitration and venue, and credit card dispute. Letter was dated X/XX/2017 and indicated that the sale should not be reported to credit bureaus and that I should not be contacted for collection. Letters were sent registered, return receipt. I also sent on X/XX/2017 an email to XXXX XXXX with the same information that was contained in the letter.
I received a letter dated X/X/2017 from Comenity indicating they would not report negative information on the account to the credit bureaus nor collect on the account.
XXXX XXXX rejected the appraisal and refund request in an email they sent me on X/XX/2017 ( letter attachment dated X/XX/2017 ). I then sent another demand letter ( to XXXX and Bank ) on XXXX XXXX, 2017, certified mail. My letter informed XXXX and Comenity Bank that I had received a phone call from Comenity Bank, the trade line had been reported to the bureaus ( my FICO score decreased ), the appraisal rejection letter conditions that are more rigorous than the sales invoice terms and conditions ( since it is a form letter this may enable class action status ).
I received a subsequent email from XXXX on X/X/2017 indicating that I could submit another appraisal and that the matter had been brought to the attention of senior management.
I received a letter from Comenity on X/X/2017 essentially indicating resumption of collections.
I obtained another appraisal indicating a color disparity of more than 1 grading and emailed it to XXXX on
X/X/2017.
I received an email from XXXX accepting the new appraisal which offered to trade the earrings to the in-house appraisal grading ( not the I and I-1 on the inventory tag ) and a {$2500.00} refund, rather than cancellation of the sale and return of the merchandise. I am receiving emails to pay the private label credit card bill. There are possible federal and state violations of FCRA, FDCPA and Unfair deceptive practices act. None of the correspondence from XXXX XXXX or Comenity Bank has indicated an investigation of the bait and switch of the jewelry inventory tags or diamonds which is required in such matters. From my initial correspondence I demanded that XXXX retain the store surveillance camera recordings as I observed alteration of the sales documents by the salesman while I was with the Manager.
06/21/2017
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NV
89431
Web
I had submitted an online scheduled payment for a Victoria Secret credit card through comenity bank on approximately XX/XX/XXXX to be debited from our bank account on the due date of XX/XX/XXXX. On XX/XX/XXXX due to extenuating circumstances outside off my control I had to change the scheduled online payment from XX/XX/XXXX to XX/XX/XXXX despite the actual due date being XX/XX/XXXX. On XX/XX/XXXX I had logged into my bank account to check it and noticed there was a debit to my account that had actually posted for XXXX from comenity bank for the Victoria secret credit card payment that was NOT supposed to be taken out until XX/XX/XXXX. The money did not even show as processing as it normally had in the past on XX/XX/XXXX, in fact it did not show up at all until it simply had posted to our account and paid on XX/XX/XXXX so I could not reverse the charge while in process. This could have caused our account to bounce and HAS NOW caused us to have no funds available for another 1 1/2 weeks until our next payday that we did not plan for and have no other recourse or funds to live off of until XX/XX/XXXX UNLESS the charge is reversed. I have had it with credit card companies and XXXX XXXX XXXXXXXX being dishonest and allowing unauthorized debits regardless of whether I owe money to a credit card company or for a debt or not. I have had thousands now being n essence stolen and be told since I owe money they do n't have to give back the unauthorized charges. Let me make this clear, I have every intention of paying money owed but I have been unable to work or had a lapse in pay at various times over the last few year due to multiple injuries and for companies to partner in just taking money out of your account without authorization to do so just because you owe money IS WRONG! XXXX XXXX XXXX even told me when I had stopped automatic payment on certain credit card accounts and changed my debit card numbers that it actually GIVES your new numbr to the credit companies and they just take it upon themselves to start up your automatic payments again ... WITHOUT MY CONSENT!!! They just make it look like online you did it and have no way to prove it usually ... ..consumer suffering financial hardships word over creditor ... ... THIS NEEDS TO STOP!!! I have been incapacitated from work since XX/XX/XXXX and have not been receiving money due to my injuries from work since XX/XX/XXXX. This is my first complaint to the FTC regarding these issues and this has caused us great harm by this company deliberately refusing to reverse the {$100.00} charge that was NOT authorized despite the screenshots I took the day I changed the scheduled date. Due to this company abusing when they actually had been authorized to debit our new checking account, this caused me to be unable to pay for the necessary medical treatment co-pays needed that was budgeted between XX/XX/XXXX and the next payday of XX/XX/XXXX. The company was made aware of this problem and had I not checked our account to see if outstanding checks had come out this could of caused significant charges and increased economic harm during a time of already significant financial hardship. The ONLY reason why I entered our bank account number for this scheduled payment was so the company did not call me to bother me for a payment since it was a little past due, they would be able to see I had a scheduled payment set up for XX/XX/XXXX of {$100.00} since that was the amount due at the time I set up the payment. Comenity is also the bank that carries the Zales credit card accounts which we also carry with them, I had called the company on or around XX/XX/XXXX and had stated I would set up a payment online for Victoria secret and I did not authorize the agent to set up any payment. I had at the time informed the companies of my current XXXX due to an injury that made it where I was not able to work this year so far after XXXX for the reason why I was late on both cards payments. Our Zales account has debt protection and I had asked to obtain the number to activate the debt protection. I was transferred to a number that simply hung up after a brief statement that was by 'XXXX XXXX ' and it gave no other number to call. I had spent almost 2 hours getting hung up on, given wrong numbers, given the number for who was supposed to be the insurance company for debt protection but I was told by their representative Zales is no longer their customer then given the same number for zales credit card again where I kept getting transferred to the XXXX XXXX or hung up on, told it was the wrong number even though it ended up being the right number to file a claim. Apparently we have been paying for account protection that is n't what we were told it was and do not remember being informed of the change either. In short, this company was well aware due to both credit cards of our circumstance and forced an unauthorized payment and this is not the only company doing this to either make more money or make sure they illegally use information that most of the time they get away with, this was the last time as a person that has been suffering with XXXX companies take advantage of online information for their benefit and banks allow it even after you inform them. .
08/19/2017
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
NY
14217
Web
Older American
COMPLAINT AGAINST XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : VIOLATIONS OF THE FDCPA TO WHOM IT MAY CONCERN I HAVE RECEIVED 2 CALLES PREVIOUSLY FROM AN UNAVAILABLE PHONE # AND I ASKED WHO THIS WAS AND THEY STATED IT WAS XXXX XXXX XXXX BOTH TIMES. I HUNG UP ON THEM BECAUSE I DID NOT KNOW WHO THEY WERE AND I THOUGHT IT WAS A TELEMARKETER. THEN AFTER THE CALLS I RECIEVED A LETTER FROM THEM STAING THAT THEY WOULD GIVE ME A HARDSHIP ARRANGEMENT FOR A PAST DUE BALANCE. HOWEVER I COULD NOT CONTACT THEM BECAUSE I HAD MAJOR XXXX AND WAS RECOVERING FROM THAT AND ALSO WAS XXXX BY A XXXX WHILE WALKING TO A PARK. ON THURSDAY XX/XX/XXXXAT XXXX XXXX I RECEIVED A CALL FROM AN UNAVAILABLE PHONE # AND THE PERSON STATED HE WAS CALLING FROM XXXX XXXX AND HIS NAME WAS XXXX. I THEN STATED I RECEIVED YOUR LETTER BUT BEFORE I COULD TELL HIM WHAT HAVE HAPPEN TO ME STATED THAT NEVER MADE PAYMENTS AND SAID WILL THAT BE A CREDIT OR DEBIT CARD. I THE ASKED HIM IS XXXX YOUR REAL NAME OR IS IT AN ALIAS. THEN STATED I USE AN ALIAS TO PROTECT ME FROM CREDITORS. ( CONSUMERS ) BECAUSE OF MY 20+ YEARS WITH KNOWLEDGE OF THE FDPCA I ASKED HIM YOU ARE SUPPOSE TO IDENTIFY YOUR FULL NAME, VERIFY THAT YOU ARE SPEAKING WITH THE RIGHT PERSON AND STATED TO HIM THAT COULD BE MY SON WHO HAS THE SAME NAME, AND VERIFY MY ADDRESS, DATE OF BIRTH, THE LAST 4 DIGITS OF MY SSN ''. ALSO HE FAILED TO DISCLOSE THE MINI MIRANDA. I STATED THAT THIS IS ON THE LETTER THAT WAS SENT TO ME AND STATED IT TO HIM 'THIS IS AN ATTEMPT TO COLLECT A DEBT FROM A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. I ALSO STATED TO HIM IS THIS CALL BEING RECORDED AND XXXX XXXX STATED YES. THEN I ADVISED HIM YOU HAVE TO DISCLOSE IF YOU ARE RECORDING THIS CALL. I THEN STATED YOU ARE VIOLATING THE FDCPA. I STATED YOU HAVE TO BE IN COMPLIANCE AT ALL TIMES. THEN HE STATED WILL THAT BE A DEBIT OR CREDIT CARD. I ASKED TO SPEAK WITH HIS MANAGER OR SUPERVISOR AND HE REFUSED 2XX. HE THEN STATED " DO YOU PAY YOUR BILLS '' AND STATED TO HIM YOU CAN NOT STATE THAT TO ME AND TOLD HIM THATS AGAINST THE FDCPA AND HE ASKED IF I HAD AN ATTORNEY AND I STATED I DO. I THEN ADVISED HIM TO REMOVE ALL MY PHONE # AND NOT COMMUNICATE WITH ME AGAIN. THEN I TERMINATED THE CALL. I WAS VERY UPSET AND STRESSED OUT BECAUSE OF WHAT I WAS GOING THROUGH AND TO HAVE SOMEONE WORKING FOR A COMPANY TO MAKE MY SITUATION WORSE AND TALK TO CONSUMERS LIKE THAT. I THEN CALLED BACK FROM THE PHONE # ON THE LETTER XXXX AND XXXX AND ASK TO SPEAK WITH A MANAGER IN THE COLLECTION DEPARTMENT. HE THE STATED HIS NAME WAS " XXXX '' AND HE VERIFIED ALL MY INFORMATION BEFORE I TALKED TO HIM. I THEN REPEATED EVERYTHING THAT YOUR EMPLOYEE XXXX SAID AND WAS NOT IN COMPLIANCE. XXXX XXXX THEN STATED TO ME THAT I WAS DEFINITELY CORRECT AND APPOLGIZE AND WOULD DOCUMENT WHAT HE STATED. I THEN ASKED IF XXXX XXXX DOCUMENTED MY CALL ANS HE STATED NO HE DID NOT. I THEN ASKED TO BE TO THE MANAGER OF THAT DEPARTMENT. HE STATED HE WOULD TRANSFER ME TO XXXX. HE ASLO STATED THAT HE WOULD BRING THIS UP TO HIS SUPERVISOR. HOWEVER INSTEAD OF THE MANAGER I GOT A PERSON NAMED XXXX XXXX AND ASKED SHE WAS THE MANAGER AND SHE STATED NO. THEN I WAS SHOCKED AND UPSET FOR THE SECOND TIME. I ASKED FOR HER NAME AND SHE SAID IT WAS XXXX XXXX SHE ASKED MY NAME AND SHE BRANG UP MY ACCOUNT AND SAID YOUR ACCOUNT IS PAST DUE. I THEN STATED DID N'T YOU READ THE NOTES AND I ALSO STATED THAT EACH TIME I AM TRANSFERED TO A DIFFERENT PERSON YOU HAVE TO VERIFY WHO I AM AND BE IN COMPLIANCE AND DISCLOSE THE MINI MIRANDA. I THEN ADVISED HER TO TRANSFER ME TO THE MANAGER NAMED XXXX. I THEN SPOKE TO XXXX XXXX AN AGAIN WAS SHOCK AND UPSAT. I TRIED TO TELL HIM TO BRING UP MY ACCOUNT AND I GAVE HIM MY NAME AND HE HAD MY ACCOUNT UP AND ASK WHAT DO I WANT. I ASKED HIM TO PROCEED KNOWING HE HAD MY ACCOUNT AND MY NAME I ADVISED I AM MAKING A COMPLAINT ABOUT YOUR COMPANY AND YOUR EMPLOYEES AS WELL AS YOUR SELF FOR VIOLATION OF THE FDCPA. I STATED TO HIM THAT THEY FAILED TO VERIFY MY INFORMATION AND BE IN COMPLIANCE. HE THEN STATED THAT IN THE STATED OF OHIO WE HAVE TO DO THAT IF YOU CALLED IN AND WE DO NOT HAVE TO IF WE CALLED OUT. I WAS IN SHOCK AND ADVISED HIM THAT HE VIOLATED THE FDCPA AGAIN AND I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE AND THE CFPB AND NOT TO CALL ME ANYMORE AND CONSIDER THIS ACCOUNT PAID IN FULL AND THEN I TERMINATED THE CALL. I THEN CONTACTED THE COMPANY THEY REPRESENT XXXX XXXX XXXX AND SPOKE TO XXXX AND GAVE HER ALL THE INFORMATION THAT OCCURED WITH XXXX XXXX XXXX AND ASKED ME IF WE HAVE PERMISSION TO HAVE ONE OF OUR MANAGERS TO CALL BACK AND I STATED YES BUT I STATED TO HER I WAS STILL FILING ALL THE COMPLAINTS. SHE THEN STATED THAT THEY HAVE TO BE IN COMPLAINCE AND WILL GIVE THIS INFORMATION TO A COMPLIANCE MANAGER. I WILL BE PURSUING THE FOLLOWING 5 COMPLAINTS AGAINST 4 DIFFERENT DEPARTMENTS AND 6 COMPLAINTS AGAINT XXXX XXXX 1. CALLING FROM AN UNAVAILABLE PHONE NUMBER ON MY CELL PHONE.
2. NOT GETTING PERMISSION TO CALL ME ON MY CELL PHONE. 3. NOT VERIFING THE CORRECT PERSON 4. NOT ADVISING ME THAT THE CALL IS BEING RECORDED 5. NOT DISCLOSING THE MINI MIRANDA 6. HARRASMENT FOR THE STATEMENT MADE " DO N'T YOU PAY YOUR BILLS ''
10/16/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
MD
20755
Web
Servicemember
In XXXX, I ( the Consumer ) was offered and accepted a PayPal Credit Line with a Deferred Payment or XXXX XXXX XXXX PayPal Credit Card account. According to the PayPal Credit Line Agreement the following was stated in the Terms of Agreement : " No Payments + No Interest if paid in full Purchases '' are Deferred Interest Purchases on which no payments will be due during a six-month ( or longer as offered by the Merchant ) deferred interest period.
" Deferred Interest Purchases '' are Promotional Purchases on which no interest will be charged if they are paid in full within the deferred interest period. Interest will be charged from the posting date if the Purchase balance is not paid in full within the deferred interest period.
Interest - If you pay the balance in full by the XXXX XXXX, we will not charge any interest for that Purchase. We will calculate the interest for each Billing Cycle prior to the Expiration Date and disclose it on the billing statement as the Accrued Deferred Interest. If you do not pay the balance on a Deferred Interest Purchase before the Expiration Date, we may charge your Account, in the Billing Cycle in which the Expiration Date occurs, interest on that Promotional Purchase from the transaction posting date.
Standard Purchases - New Purchases made at the XXXX XXXX, without any promotional offer and new XXXX XXXX
According to PayPals own Terms of Agreement, " XXXXXXXX XXXX XXXX, XXXX, '' located in XXXX, Maryland, developed PayPal Credit and provided services for the Lender, such as processing transactions, keeping records, sending billing statements, and providing customer service. XXXX XXXX XXXX, XXXX may also receive payments and perform collection activities on behalf of the Lender.
In XXXX Credits Rebuttal Responses dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they assert, PayPal Credit reviewed your Account and determined we do not have record of any overpayments on your Account. In addition, PayPal Credit confirmed all your purchases, credits, and payments were allocated correctly in accordance with the Terms and Conditions and in compliance with all applicable laws and regulations. Further, PayPal Credit has no record of receiving any purchase, credit, or payment allocation requests for your Account.
The following information, provided by XXXX XXXX XXXX XXXX and XXXX, XXXX also formerly known as XXXX XXXX XXXX XXXXXXXX zipped files of account Statements requested in BBB Complaint # XXXX or Account # XXXX XXXX XXXX XXXX, provides evidence that XXXX XXXX XXXX XXXX XXXX XXXX is non-compliant with the Terms and Conditions of the account ; non-compliant of applicable laws and regulations, and was deceptive in its practices of servicing Account # XXXX XXXX XXXX XXXX. The following are only examples of a few of the egregious deceptive and abusive practices by PayPal Credit, and does not represent the Account in its entirety : - In PayPal Credits provided Billing Statement - Page 41, Statement Closing Date XXXX/XXXX/XXXX, PayPal Credit changed the Deferred Interest Balance of {$460.00} into a Standard Payment scheme and deleted the Deferred Interest Payment of {$350.00} ( Deferred Date : XXXX/XXXX/XXXX ), and Deferred Interest Payment of {$100.00} ( Deferred Date : XXXX/XXXX/XXXX ).
- In XXXXayPal Credits provided Billing Statement - Page 47, Statement Closing Date XXXX/XXXX/XXXX, PayPal Credit charged a Standard Interest Fee of {$44.00} and increased the Standard payment to {$420.00}. *There were no Standard purchases made on the account. All transactions were made through the Deferred Interest Payment Plan from the PayPal Credit Line. ( See Attached PayPal submitted Statements andPayPal Online Credit Statement of Payments, Credits, and Purchases ) - In PayPal Credits provided Billing Statement - Page 55, Statement Closing Date XXXX/XXXX/XXXX, PayPal Credit failed to apply appropriate credit for a Merchant Refund of {$150.00} dated XXXX/XXXX/XXXX, charged a late fee of {$35.00}, and failed to remove the {$150.00} from the Ending Balance and the Deferred Interest Payment Due. PayPal claimed the New Balance was {$330.00}. *There were no Standard purchases made on the account. All transactions were made through the Deferred Interest Payment Plan from the PayPal Credit Line. ( See Attached PayPal submitted Statements andPayPal Online Credit Statement of Payments, Credits, and Purchases ).
- In PayPal Credits provided Billing Statement - Page 61, Statement Closing Date XXXX/XXXX/XXXX, PayPal Credit failed to apply appropriate credit for Merchant Refunds totaling {$350.00}, did not account for the Merchant Refunds in the PayPal Credit Statement for Closing Date XXXX/XXXX/XXXX, and failed to remove the same Refund of {$350.00} from the Ending Balance and the Deferred Interest Payment Due. PayPal credit claimed the New Balance was {$540.00}. *There were no Standard purchases made on the account. All transactions were made through the Deferred Interest Payment Plan from the PayPal Credit Line. ( See Attached PayPal submitted Statements and PayPal Online Credit Statement of Payments, Credits, and Purchases ) : ( a ). XXXX/XXXX/XXXX - {$170.00} ( b ). XXXX/XXXX/XXXX {$130.00} ( c ). XXXX/XXXX/XXXX {$42.00}
06/19/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
17233
Web
XX/XX/2019 : made payment in full online via comenity bank website to equal a {$0.00} balance.
XX/XX/2019 : a late fee is assessed on the account.
It was my understanding that after making the full account balance payment, my balance would be {$0.00}.
Had this late fee been legit and had it been added to that full payment amount on the comenity site, I would have had no problem making that additional payment amount.
However, like I said, I was under the impression this account was paid off. To my surprise, I received a text from Comenity to contact them.
This is now XX/XX/XXXX, two months later and two late fees later. I have since contact Comenity twice since this initial fee was assessed. Upon speaking with the first agent, she indicated that she could only remove one late fee. I felt as though I held up my side of the agreement, in that I made the payment in full on said date. IF I was to be charged a late fee for making a payment on that date/time, this late fee should have been added to the full amount. Had that been the case, again, I would have made the payment in full in addition to the late fee. However, this was not the case. Instead I have been contacted several times since to pay a late fee that should never have been assessed to begin with. Upon getting nowhere with the first agent, I asked to speak with a manager. He confirmed what the agent was telling me, and offered to remove one late fee. I then asked to cancel my account. The managers first response was that if I did not cancel today, he would remove both fees. Upon hearing this, it validated my point through this entire thing. That the company is able to remove both fees, rather they chose not to. Comenity has continually had horrible customer service and I am sorry but conducting business in this fashion is not something I can support. Therefore I asked to have my card cancelled, indicating that I wanted both fees removed.
XX/XX/2019 : I receive another phone call from Comenity regarding two more late fees. Again the agent was blatantly lying to me as she indicated she can not remove more than one late fee, which they supposedly did on XX/XX/XXXX, when my account was cancelled. I am weary that my account was even cancelled that day as they indicate. Again, I asked to speak to a manager. This manager now indicates that the " offer '' of the last agent is no longer valid, as it was only acceptable for 7 days. None of this was ever communicated to me. Believe me, I thought about calling Comenity back to accept this offer, only to cancel the next day or the next week, whatever. However, again, this is not a style of business I can support. They refused to remove both late fees, which should never have been assessed to begin with, until I said I wanted to cancel my card. Only after I said I want to cancel did they indicate that they were able to remove both fees.
The fact remains, that when going onto any site to make a payment, if a late fee is due, why wouldn't it show as due when I click " Make payment in Full ''. I honestly feel that because I made a payment in full, and there was no further possibility to charge me interest or other fees, including late fees, they turned around and assessed this late fee. Comenity has continued that they can not remove more than one late fee, however it is clear that they are able to do as they please, when it suits them. I do not feel that I am deserving of this late fee and it has been one thing after another since making that payment in full. One would think that they would rather have a full payment that having to worry about getting their money, but in the case of Comenity, it is clear that is not the case. Their agents have been zero help, in fact, at times rude and condescending. I made that payment in full on XX/XX/XXXX so as to avoid any future headaches with this card. With full intention of not using the card again, which I did not. I never would have imagined that two months later I am still attempting to get these late fees removed from my account. It is clear that Comenity is not going to remove said late fees. I did advise them that I was going to refute this late fee, hence why I am writing this now.
I am not particularly new to late fees. And had this late fee been assessed at the time of my last payment, in full, I would have made the adjustment to the full amount and paid the late fee. However, Comenity waited until the next day, per their response due to processing time, to charge me the late fee. I don't feel as though I am deserving of this late fee, regardless of the terms of their agreement. I have never experienced an issue of accruing a late fee AFTER making a payment in full. I feel as though I was lied to by several agents ( telling me they COULD NOT remove more than one late fee, which conveniently, I had two ), as well as both managers, when in fact, which was confirmed by both managers, that there are exceptions to the rule, as there always is.
There is nothing left to do other than to write this dispute and make a formal complaint. In doing so, I am hopeful that Comenity will remove any late fees that are currently accrued on my account, as I made a payment in full per their website.
08/16/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
MD
20601
Web
Servicemember
I have had a Victoria Secret Credit Card as well as a Children's Place Credit Card (both through (Comenity Bank) for a couple of years now. I've always did online payments and transactions as far as billing (paperless communication activity). However, after making payments of $XXXX on a monthly basis I was curious as to why my balance never really seems to disappear which made me go online and take a look at my billing. After viewing my statements on both accounts I noticed that there were a lot of unexplained charges on my account. Therefore, I contacted Comenity Bank to inquire and obtain explanations on the method of billing on my accounts and try to get clarity on those charges. I spoke to 3 different agents through 3 different calls in the time span of almost 2 hours. One agent seemed to be very confused on my billing and when asked why am I seeing 2 finance charges and a late fee every month on my billing and kept placing me on hold. He even had the ordasity to tell me that one was for a promotional plan account that I signed up for in XX/XX/XXXX(XXXX XXXX, to be exact) and the other was for my account. Finally after him placing me on hold on last time he hang up on me after I asked him when did I sign up for a promotional plan and where which he couldn't explain because I already knew that wasn't true because I haven't used that card in a very long time as I rarely use that card to begin with. Keeping this in mind I called back and got another agent that proceeded to give me another long outdrawn story about how my billing is not charged two separate finance charges and hearing me state I'm looking at the bill right now he placed me on hold. He came back and stated that my bill is like that because I have to make my payment on the due date no later than XXXX their time or they automatically charge a $XXXX late fee. So I stated to him listen that still doesn't explain the two finance charges every single month that only explains the late fees with no grace period. He then states can I place you on hold for a second in order to get some information from my supervisor. At this time I state to him no you may not place me on hold again can you just place the supervisor on the phone and he says sure. When the supervisor (named XXXX who refuses to give a last name) gets on the line she begins to try to explain the billing after I asked about the two separate finance charges and the late fee grace period as well as the promotional plan I supposedly signed up for. XXXX then goes on to say that my APR rates have changed continuously over the period that I've held these accounts and the two finance charges reflect the separate finance charges during the times of purchases. So I asked her to elaborate and she went on to say well your APR was 27.49 at one time of purchase and then it went up to 27.74 and now its 28.24 do we calculate those entities all together for finance charges and we have np grace period for payments therefore if you pay after your due date at XXXX there is a XXXX late fee added regardless. I then ask XXXX so you guys just increase the APR rate every other month at will without notice to the consumer in advance? She says well every month on your bill if you look all the way down on page 3 in the small print the interest rate is posted there. I then ask but why on page 3 away from all the billing activity and summary of account and in small print. I also asked why do you inform us after you have already increased it and not before, is that fair to the consumer? I stated many consumers now elect for paperless billing and online payments is that why you guys do it taht way in hopes that we never look past the account summary page? I then asked her do you guys even adhere to the Military Lending Act? I stated that according to the MLA this contract should be null and void for myself because you guys are being very deceptive and not precise on your rates or anything. I told her that not only do you change the APR rate at will but there is no warning and it's not even annually its whenever. She then said I'm pulling up the SCRA and stated to me that she was reading it now and stated that well you have to inform us that you are military because we don't know unless you tell us. I said no ma'am, again the MLA is different from the SCRA and it includes credit cards now and we as the consumer do not owe you the burden of verifying our status its your job as the financer to pull it and now that I'm telling you this you don't seem to have any intentions of rectifying the situation and crediting my account. She states I don't know what I'm suppose to credit your account ma'am. I said for one those interest fees are bogus without forewarning, two late fees require a grace period of 5 days and last but not least you refuse to even give me your name as a debt collector. At this point XXXX (no last name) states well I can send this to dispute ma'am that's all and I told her no need I'll be reporting this bank and companies to the Consumer Financial Protection Bureau as you guys appear to be just another deceptive and predatory lender preying on the military through credit card rates like everyone else.
11/16/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
GA
31206
Web
Our time share experience with XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX, 2019 I have been a victim of fraud, misrepresentation, and deceptive sales methods, I was told when I agreed to visit XXXX XXXX XXXX XXXX XXXX it would be a no pressure, no-obligation, and hassle-free 90 minute presentation of your program and we would receive free tickets to a show and {$100.00} gift card. We ended up being subjected to an all-day over 6 hours of repeated pressure and different tactic to get us to buy and we repeatedly said no.
The initial start of the presentation was ok the rep talked extremely fast and way too much he showed us around the property, and he talked about how great the program was. We started out in one room were this guy did a sales pitch, we moved on to see the actual suites onsite. Once we came back, the XXXX started they stated they needed to do an inquiry to my credit to see what packages they could offer, after asking the rep several times about the pull being a hard or soft pull on my credit he sit and lied to me saying I dont know what youre talking about there is no difference Ive never heard of that before.
The next couple of hours were long and grueling with the sales rep trying to force us to buy he never let us get a word. They took our drivers license at the beginning saying they needed them for us to be on the property, so we were being held hostage.
We explained to the rep that we were looking to buy a house so we could not afford a timeshare or any other monthly bill ; no matter what we said he continued to beat us over our heads with the book of sales. He got upset and nasty after my husband stressed that we couldnt afford it, he got up and called him a liar and sent another rep over. We were at least five hours into this now and starting to get extremely irritable.
The woman rep came out showed us information about the points program by this time we were in our six hour of being here we also told her the same thing we can not afford it. She left and came back with more booklets and pamphlets about how the program works again we told her NO. She then offered us a complimentary perks by XXXX membership which would offer discounts and deals stated that we could use it and see how beneficial it could be we agreed to sign up for the perks program since it was free and we were ready to go. When she came back she started shoving all these different papers to sign for the membership perks program. Its my belief they intentionally faked some of the the documents they had us sign when they supposedly had us sign up for the free membership. We were also told that we would receive a membership package with member ID, etc. that never happen never received it, said it would take five to ten days for our information to get in their system. They mislead us though the whole process about this complimentary program to get our signature on documents. I asked about the cancellation and we were told we could cancel any time since it was complimentary. They also lied to us about what we were signing up for obviously. We have not and will not be activating their perks program. We didnt sign anything that had monetary values attached that we would be responsible for. XXXX of 2019, I see an alert on my credit for a credit card I dispute it not putting two and two together. Eight months later I get an alert on my credit that I have a bill that is 30 days late now I see that its a credit card attached to XXXX I did NOT apply for a credit card or any loan or credit account, I had no idea that it even existed nothing was sent via email, postal mail or phone call. They flat out lied to us to make a sale I never applied for a credit account with anyone while I was there or gave any of the reps conformation to do so. It was opened without my knowledge or consent under false pretenses this is a case of fraud.
I called the company Comenity BankXX/XX/19 that hold the credit account that is reporting to the credit agencies and they XXXX told me they didnt think it was a cause of fraud although they stated that XXXX opened the account on my behalf but I didnt authorize them to open anything he did referred me to talk with XXXX.
I also contacted XXXX XX/XX/19and talked with XXXX who had a very nonchalant attitude and basically asked me did I read the contract I stated to him that I did not authorize anyone to open a line of credit for me at their company. He stated that he had a signed contract 24 month contract for {$2900.00}. I told him that I did not sign a contract with money attached I only have one contact that say complimentary. I also stated that still doesnt solve the unauthorized credit application. He stated that we would open a case and " see '' what they can do.
Credit Balance- {$3100.00} 1st alert date account opened-XX/XX/19 Disputed account- XX/XX/19 Account was close as a result of my dispute-XX/XX/19 Late alert- XX/XX/19 Locked Credit file-XX/XX/19 Disputed again-XX/XX/19 Filed a fraud report-XX/XX/19 Disputed Account on credit report-XX/XX/19 Letter mailed to Credit Company-XX/XX/19 BBB Complaint- XX/XX/19
01/11/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
IN
47906
Web
I signed up for a zero percent balance transfer from XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had a balance of XXXX of purchases on my account at the time which were due by XX/XX/XXXX. I made a payment of XXXX on XX/XX/XXXX to cover these purchases along with the balance transfer fee of XXXX, so I would only have the XXXX amount on the zero percent to make payments on. I noticed on my XX/XX/XXXX statement that I had been charged interest of XXXX, I checked back on my XX/XX/XXXX statement & I had also been charged interest of XXXX. While looking through the statement I noticed under promotional rate they only listed XXXX & had put XXXX under purchases when in fact all purchase amounts had already been paid on XX/XX/XXXX. I called customer service & spoke with a rep who said they would take care of the interest & fix the problem. When I received my next statement, I had more interest, XXXX and no credit.XX/XX/XXXX, I called back into the service center & another rep, XXXX, told me they would issue the credit but they had to send a request to another dept to take care of the problem.
They issued credit for the finance charges, but they also removed my initial payment of XXXX ( which I did not request ) but that did take the amount out of purchases so all I had was the amount under promo rate. I called in XX/XX/XXXX, nothing was resolved yet. On my XX/XX/XXXX statement, they added the XXXX back to my account but they put it under purchases, not promotional rate. On my XX/XX/XXXX statement, I had more interest XXXX. I called back in to tell them they are still charging me interest & now they have put the XXXX back under purchases after they removed the XXXX that they had under purchases originally, so we are back where we started. I asked to speak with a supervisor and was told there was not one available. I told them I needed to speak to someone who could fix this issue and I was put on hold. After 30 minutes, I hung up.
My next statement, XX/XX/XXXX I was charged XXXX interest, XX/XX/XXXX I was charged XXXX, I called back into the customer service center XX/XX/XXXX, told the rep my entire story again, she said that she would need to send a dispute form to get this all taken care of, she said it would be taken care of within 60 days.
In XX/XX/XXXX I received a letter from the dispute dept stating they were correct with how they charged this and then on my statement they put XXXX back on my account under purchases and then charged my more finance charges of XXXX.
I called into the service center and said I really needed to speak to a supervisor & I was finally transferred to someone who said they were a supervisor. He ( XXXX? ) said that a supervisor could have fixed this problem from the beginning and that the reason I had this problem is that they had changed the way the computed the interest about the time I got the promo rate, he apologized & said it should n't have affected my account this way and said he would have it all fixed for me & get the interest credited. He said to wait a couple of weeks & then just call back to verify the total amount of my account was all under the revolving account. I felt like this time it would be taken care of, finally.
Then, believe it or not, I get my XX/XX/XXXX statement and I have finance charges of XXXX on the statement and then I see the total amount under purchases at this point and it is XXXX-I am being charged interest on this crazy amount when I have made absolutely no PURCHASES. Another call into the customer service center, I got a rep who wanted to know the problem, saved her the trouble of looking at all the notes, gave her the entire story, told her all she had to do was issue credit because at this point I had no confidence she could fix the problem, just make sure the interest was credited. I just did n't have the spirit left, I had to get ready for XXXX.
XX/XX/XXXX, I am ready to proceed to solve the problems again. I call the service center yet again. I decide to start documenting the time I spend on hold because everytime I call in I am on hold for very long periods of time & if I am transferred, I am on hold even longer, or better yet, disconnected, so I have to call back and start all over. This happens at least 50 % of the time. When I initially call in I am on hold for 20 minutes before reaching a rep ( XXXX ) I explain the situation and state that I need to speak to a supervisor. XXXX ( I hope this is a real name, I am also starting to write names ) transferred me to a supervisor, XXXX ( I was on hold 14 minutes ) I explained the situation to XXXX and before XXXX could tell me what he planned to do to correct this problem, I was disconnected. Not really sure how this happened, but it has happened to me before. I called back but after holding 15 minutes, I gave up & decided I needed to just move this issue up to someplace where it may get some attention. Help! Help! Just as a side note, my zero interest promo ends in 2 months. I do n't really feel like I have had that yet.
I have documentation if needed, on all of the information I have provided.
07/15/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
PA
19132
Web
XXXX XXXX B - {$2900.00} XX/XX/2021 when I noticed the fraudulent charges XXXX XXXX - {$9700.00} XX/XX/2021 when I noticed the fraudulent charges XXXX - XXXX - {$2800.00} XX/XX/2021 when I noticed the fraudulent charges XXXX - {$580.00} XX/XX/2021 when I noticed the fraudulent charges XXXX XXXX - {$0.00} XX/XX/2021 when I noticed the fraudulent charges XXXX - {$1100.00} XX/XX/2021 when I noticed the fraudulent charges XXXX - {$980.00} XX/XX/2021 when I noticed the fraudulent charges XXXX - {$570.00} XX/XX/2021 when I noticed the fraudulent charges XXXX - {$330.00} XX/XX/2021 when I noticed the fraudulent charges The Accounts above is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I XXXX XXXX the natural person Never gave The Accounts above consent to report anything to the credit reporting agencies nor do I have a contract to do business with them. The Accounts above Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States , or the District of Columbia , from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; The Accounts above Credit Dispute has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; The accounts above is in violation of 15 U.S. Code 1692d - Harassment or abuse in Exhibit A, B & C A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. The Accounts above has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. The Accounts above is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. The Accounts above has provided false information to XXXX, XXXX & XXXX
06/12/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
CA
94108
Web
To Consumerfinance.gov : I have tried to resolve unauthorized fraudulent charges with Comenity Bank for over 3 months. I first contacted Comenity Bank when I received a call from Comenity Bank regarding late payment. Then I went online right away and found out there were many unauthorized fraudulent cash advances to my XXXX XXXX XXXX XXXX. I filed a dispute and Comenity Bank gave me a provisional of {$1100.00} Total credit reversals ( provisional & fiancial charges ) onXX/XX/XXXXand XX/XX/XXXX. But after I had mailed 2 ( and not 1 ) completed dispute forms, Comenity Bank reversed the credits of {$1100.00} on myXX/XX/XXXX statement telling me they had NEVER received the complete dispute forms. I wrote Comenity Bank I DID IN FACT MAILED 2 DISPUTED FORMS ON TWO SEPARATE DATES INDICATING THESE WERE ALL UNAUTHORIZED FRAUDULENT CASH ADVANCES and that it was NOT possible for me to have anything to do with these transactions because I DID NOT EVEN ACTIVATE THIS XXXX XXXX XXXX XXXX ( ENDING # XXXX ). I ONLY ACTIVATED IT FOR THE FIRST TIME ON FRIDAY XX/XX/XXXX AFTER I HAD LEARNED OF THE UNAUTHORIZED FRAUDULENT CHARGES which occurred between the XX/XX/XXXX throughXX/XX/XXXX. I reiterated to the Customer Service Department of Comenity Bank in subsequent correspondence that it was NOT possible for me to have anything to do with the fraudulent charges when I had not even activated this XXXX myself. Would you please look into this matter? Below are copies of our online correspondence between me and Customer Servce Department of Comenity Bank. Thank you very much for your attention and help, Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX # XXXX with Comenity Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To Comenity Bank : URGENT : Hi, I received a phone call from your credit card customer service department regarding late payment. I was told my card has a balance of over {$1000.00}. However, I was not sure. So I went ahead and look into all my credit cards and realized that this card XXXX was not even activated by me!!!! I found it inside the original envelop but was not opened nor activated. So I activated it online today for the first time on Friday XX/XX/XXXX at comenity.net website and realized it has a balance of {$1100.00} shown as XXXX of NJ. I live and work in XXXX XXXX. So besides the fact that I would not be able to charge a card that I had never activated, all cash advances were from New Jersey. Please dispute and reverse all the charges for the total of {$1100.00} ( XXXX through XXXX ) as of today on Friday XX/XX/XXXX. If you are going to reissue me a replacement card, please use my middle initial as XXXX XXXX XXXX. Thank you for your help and attention -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To Comenity Bank : As you had requested, I had mailed you the completed Cardmember Statement of Disputed Item ( s ) NOT ONCE but TWICE. Again, they were mailed to you on TWO separate dates. I do not know nor understand why they were NOT received or processed by you as you had indicated. I also do not see why you had to REVERSE the provisional credit of {$1000.00}, which were fraudulently charged by someone else without my authorization BEFORE my credit card was even activated by me. My initial account with XXXX XXXX & XXXX was opened with XXXX XXXX on XXXX/XXXX/XXXX for over 8 years without any incident or credit reversals. If you are going to hold me financially responsible for this fraudulent charge of {$1000.00}, I will take it up with Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ). I will wait for your prompt reply. Thank you for your attention, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To Account Protection Team of Comenity Bank RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today as of XXXX/XXXX/XXXX, it has been nearly 3 months and I still have not received any reversals of credit reversals of {$1100.00} as of XXXX/XXXX/XXXX for unauthorized fraudulent charges, I would now refer this issue to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ). This is for your information. provisional credits : XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX financial charge credits : XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX XXXX/XXXX/XXXX $ XXXX total_____________ {$1100.00} Total credit reversals ( provisional & fiancial charges ) XXXX XXXX XXXX XXXX
02/10/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Add-on products and services
TX
77301
Web
Servicemember
RE : Account XXXX - payment protection/debt cancellation credit card add-on. I have payed for this add-on through my credit card company ( Comenity Bank XXXX XXXX in case of unemployment, XXXX, etc. Unfortunately I had to submit a claim to Account XXXX since my job laid-off a group of people from my company. I contacted Account XXXX on XX/XX/XXXX, since you can only submit a benefit request XXXX days after the loss date. On XX/XX/XXXX, Account XXXX stated that they were going to mail some paperwork within XXXX business days so I could get started on my claim. They suggested I sign up for an account online to keep track of my benefit request. I created an account and submitted XXXX of the forms they request, which is a " Former Employer Statement Letter. '' I also submitted my letter from the state unemployment office, stating that I was approved to receive unemployment from the state. On XX/XX/XXXX : XXXX. I still have not received any paperwork through the mail XXXX. I logged into the account to see if there was an update and they said that I needed to submit another unemployment form from my state, showing that they paid me unemployment benefits. XXXX. I submitted the necessary paperwork from the unemployment office. On XX/XX/XXXX : XXXX. I resubmitted the paperwork with added information ( benefit number ). It states on their website that they will take XXXX business days to review. On XX/XX/XXXX : XXXX. I tried logging into my account to review any updates that they might have sent, and the site is not loading. XXXX. I tried calling their customer service to let them know that their site was down, but their phones were down. I called every day since, and they said their call center was down due to technical difficulties and that they weren't able to take any calls. XXXX. I have tried loading the site every day since, and still to this date ( XX/XX/XXXX ), the site is still not loading, and now it's not appearing on a XXXX XXXX. The site has been taken down and I can not access it. On XX/XX/XXXX : XXXX. I call Comenity Bank to report that Account XXXX, the add-on that they allow their customers to use, is not picking up their phone and/or their site is not loading. Their customer service rep was having issues connecting on the phone with Account XXXX. I told them I wanted to cancel Account XXXX XXXX monthly recurring charge from my bill. The rep said that they could note that I want to cancel the service but that I need to call Account XXXX to cancel the service through them as well. XXXX. That call with the Comenity Bank rep was disconnected, so I called again and was able to speak to another customer service rep. This time, that rep was able to do a conference call and was able to connect with Account XXXX XXXX. I noticed right away that the phone menu for Account Assure had changed, and instead of giving options to speak to the correct customer service rep ( i.e., start a benefit claim, check on a benefit claim, etc. ), it just says " All of our agents are currently busy, please hold for the next customer service representative. '' XXXX. I waited XXXX minutes for someone to pick up the phone. The Account XXXX customer service rep stated that he only submits new benefit claims, and that he's unable to give me information on my account. I informed him that their site is not loading and that I have been trying to contact them through the phone and online since XX/XX/XXXX. He told me that it's the wrong department and that I should call XXXX. I informed him that it was the number that I was calling. XXXX. I asked to speak to a supervisor. I was connected with a Team Leader, who informed me that they'll submit my inquiry to their Response Team and that they'll get back to me within XXXX business days. I told him that I do not want to wait any longer, that someone should contact me today. On XX/XX/XXXX : XXXX. I called Account XXXX, this time only waited about XXXX minutes. The phone menu was still the same as the previous day. The Account XXXX customer service rep informed me that he only submits new claims. I asked if they could transfer me to the customer service reps that help customers that have already submitted a claim, and he said that they don't have anyone, that they can submit a request to their Response Team and they'll contact me within XXXX business days. XXXX. Their website is still down and you can not find them doing a XXXX Search. It seems to me that this business is doing some shady things and trying to hide it. I should be able to access my account online and I should also be able to speak to the correct customer service rep. I'm still getting charged monthly for their services through Comenity Bank. I have been paying for this service since XXXX and should be able to get approved for a claim quickly, since unfortunately I lost my employment in XX/XX/XXXX. On the technical side of things, I have tried loading their website using private windows/incognito on both my computer and phone. I have also cleared my cache/cookies on both as well. The Account XXXX website has not loaded.
10/17/2018
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
ND
58102
Web
Older American
My husband and I had a credit card for the store XXXX. We were faithful customers with them for many many years. Their company went bankrupt in XXXX and we spoke with them in XXXX and said we were facing some difficulty due to financial issues related to my Husband and my health and would be working on this over the Summer to figure out our debt. Between my Husband and I, within the past few years we have faced complications due to XXXX which we both have, XXXX XXXX, a XXXX XXXX, a XXXX and I almost died and was in the hospital for months due to XXXX XXXX. We are currently still facing most of these challenges and this Summer was touch and go on some fronts for us and we are trying to get back on our feet but I am currently XXXX years old and my husband is XXXX and life is becoming more and more challenging. XXXX then this summer called our phone leaving threatening messages implying they would sue us or something as this, I don't remember the exact wording but the tone and they would use verbiage which would imply they were coming after us. My husband and I were so overwhelmed and did not know what to do and since my XXXX, I would not remember things after several days as these calls and my Husband 's recall of things is also getting bad.
Then in XXXX my Son who lives in XXXX XXXX and is not on our account nor has anything to do with it began receiving many phone calls each day, sometimes two within 5 minutes from XXXX which goes by XXXX Bank. He ignored them and then on XX/XX/XXXX, he received a threatening message which was saved on his voicemail which said verbatim - " DO NOT DISREGARD THIS MESSAGE TODAY XXXX XXXX, MY NAME IS XXXX THIS IS REGARDING YOUR ESCALATING SITUATION. WE HAVE TRIED TO REACH YOU MANY TIMES WITHOUT YOUR IMMEDIATE RESPONSE TODAY, XX/XX/2018. I AM FORCED TO PREPARE FOR THE NEXT STEP THAT MAY HAVE A SIGNIFICANT IMPACT TO YOU. I NEED TO HEAR FROM YOU TODAY AT XXXX EXTENSION XXXX. AGAIN XXXX MY NAME IS XXXX AND IT IS CRITICAL TO HEAR FROM YOU TODAY. '' I know this verbatim because my Son saved this message on his phone and they did not even say XXXX Bank nor anything identifying and it was nothing he knew about and was upset they kept calling his phone and then leaving these messages. He did call XXXX back and she started talking about his father and he stopped her and said that she did not have permission to call his phone, leave these messages and then discuss information with a third party about his Father. She was offensive with him and then connected him with a supervisor who apologized and denied that they would make these types of calls even though it was recorded and saved on my son 's cell phone. He explained the challenges we were going through and said they can not call third party individuals and threaten them or leave threatening information about his family and to No Longer Call Third Party Individuals.
Then my daughter in XXXX began to receive calls from XXXX this past week. They got her upset and my son called them back and I gave XXXX permission for them to speak with my son and he asked why they are calling family and threatening family members let alone leaving threatening messages for anyone. They transferred him to another representative who became very rude with my son asking him questions such as if my son had to travel back to North Dakota several months back because of this, why he hasn't looked through our mail for the bills and taken care of it and my son kept repeating that they do not have permission to call around the country and make threatening calls to family members not on the account nor should they make threatening calls at all. The representative then cut him off and told my son he is just talking in circles and that they have a few numbers they can call if they wish to and my son then got even more upset and said NO, that they can not call random numbers and if they want to leave another threatening message, to do so with him but they are not to harass an entire family around the country about this debt and especially since my parents are currently struggling themselves and we have not figured out an action plan yet how to handle all. He then said why would they do this and the representative cut him off and ended the call.
The only way I can remember all of the above is I am now documenting everything to help me remember and then my son and daughter have recorded calls and voicemails on their own phones from XXXX. My son had to help me write this today.
We would be willing to work out a fair and monthly payment once we get our finances in order by the end of the year but to continue calling third party members and harassing them and sharing our personal details and challenges is too much to handle. This has caused not only my Husband and I great XXXX but this has caused my children such XXXX XXXX because they were being harassed with multiple calls and threats. I hope in this process, we not only rectify a positive path but also we help others who are experiencing this same type of harassment from XXXX Bank.
04/12/2019
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
AZ
85382
Web
My complaints are over the creditor XXXX XXXX and the handling of my case XXXX/XXXX by the credit agency XXXX.
XXXX XXXX Complaint - This bank has approved credit to me on 4 occasions this decade without my written or verbal approval. On all 4 occasions, this has lead to fraudulent charges. The list of cases has involved : XXXX, XXXX, XXXX, and XXXX all of which are funded by XXXX XXXX. The problem goes back to the very first contact with XXXX earlier this decade. XXXX XXXX sent me a XXXX credit card and a week later I received a bill for ordered items. That was complete fraud and I disputed it with them. After I disputed it, the amount when on my credit and I had to get it removed. Obviously, they kept my information. Since then I have run into them again because they provide credit with several merchants and have continued doing the same thing to me in different ways. The XXXX XXXX/XXXX charges I have not been willing to pay because I noticed several charges that were not mine on the XXXX website totaling a little over {$1900.00}. I disputed directly with XXXX at the end of XXXX. Half of the charges that are fraudulent were put on XXXX credit and the other half was done on NON-XXXX credit. The XXXX account was closed by them but the balance was not removed and they kept reporting it as if it was still active. The letter they sent me states there was " no balance ''. At the same time, they tried to get a collector to collect part of the debt. It is absolutely outrageous that all my major financial problems this decade have been involving this bank and merchants connected to them. I believe no banking institution should be allowed to issue credit without consumer approval including signature and background check. Not just a simple process. If credit is issued without consumer approval, the fraudulent charges should be the banks responsibility. It is the risk they take for issuing unapproved credit. I know for certain I never applied for credit with XXXX XXXX. XXXX will not give a straight answer to any questions relating to why they gave me credit or why they kept giving me credit when they knew there were previous issues. Their only answer to all submittals is that " there is no basis for your claim ''. They are 100 % responsible for the fraud.
XXXX Complaint - 1. XXXX is not acknowledging a letter uploaded from XXXX XXXX in XX/XX/XXXX after I disputed with XXXX XXXX directly at that time. The letter says there is no balance. Whether this wording was a mistake by the bank or not doesnt matter. Its in writing from them so there should be no balance. Legally, this letter alone should be enough to remove the account or show as closed with {$0.00} balance.
2. XXXX kept reporting payment status after XX/XX/XXXX when the account was closed. It shows good status up to XXXX and then late in XXXX to XX/XX/XXXX ( 90 days ). My credit report in XX/XX/XXXX shows it was closed but the balance was still there and it is still there now. This is inaccurate information that is being reported, hurts my credit score and will prevent me from getting future credit. I brought this up to XXXX and they have decided not to do anything about it.
3. XXXX will not acknowledge my official police incident report from the XXXX Police Department in XXXX, AZ at the present time. They said they require : all pages of the identity theft report, including validation that the report was filed with a federal, state, or local law enforcement agency.
That is all it says, nothing else. That is what I gave them. When I asked what this means and what I need on the report to make it acceptable, they refused to tell me any specifics. I went to the police station and they assured me that was their official report for a case like this one. I called XXXX back and let them know that was it. I have called the Credit Bureau multiple times. Finally, I managed to get one agent who mentioned something. She said that the report has to be written by the police officer, badge number, and signed. Where in the above statement, is it clear that you need those things? I have tried again but I may not get what XXXX wants. The police are swamped with numerous cases like this and to them, this is not as important as a murder case. The report I submitted classifies the case as Identity Theft, there is police officer information, and pertinent information in their form and letterhead. They copied into the report the details of the case I sent them. Unless they can figure out what happened at some point, what more can the police say?
4. The XXXX agent admitted during our conversation that they never asked XXXX XXXX whether I applied for credit with their institution. For a fraudulent case involving Identity Theft, this should be a very important question. All they have done is asked them whether or not the information is accurate. If the information was accurate, I would not be disputing it with XXXX and I would not have disputed the fraudulent charges with XXXX XXXX directly at the end of XXXX.
06/18/2020
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt is not yours
FL
32822
Web
On XX/XX/2019, in the facilities of XXXX XXXX we were approached by my husband XXXX XXXX and my XXXX XXXX, a lady telling us that for having an annual pass we had a free week gift from a resort, to be removed we had to go to XXXX facilities located at XXXX via XXXX, XXXX XXXX XXXX Fl.
On XX/XX/XXXX we attended to withdraw the gift but first they made a presentation in XXXX ( Our native language ) of a hosting service and we agreed to take the smaller program called XXXX for a value of {$2800.00}, it should be noted that this membership does not It is a timeshare, they explained that it worked similar to an advance payment, where a monthly fee for 24 months is disbursed which is the duration of the membership and that could be used after making consecutive payments for fifteen ( 15 ) months, it is say you only have 9 months to make use of it, because it is a trial program, the places to book are limited, and must be done in advance. We received a contract in English in addition to the gift ( XXXX Certificate ) and they indicated that we would then receive the rest of the documents with my associate number to be able to domicile a card or bank account to make the payments of the 24 installments.
On XX/XX/XXXX we wanted to make use of the gift, supposedly due in 30 days and it was not possible, I wrote to the lady who approached us in the park disregarding the case, she provided me with a XXXX contact number, but there was no operator that will speak XXXX. We keep trying to think that we didn't know how to use the certificate, but it wasn't possible.
On XX/XX/XXXX, my husband and I returned to the XXXX XXXX XXXX facilities. We were attended by Mr. XXXX XXXX who identified himself as supervisor or manager of the XXXX program, my husband showed him the inability to use the certificate they gave us as a gift, entering the certificate account and doing the search on different dates until reaching Twelve months even if the certificate should be used within a period of 30 days and I say that because of this bad experience we did not want to stay with the program, we also realized that it would not be useful since we would only have 9 months to be able to make use of it, where we had to coordinate the availability of some accommodation ( which are limited ) together with the availability of each family member. Kindly and apologizing for the inconvenience, we delivered a cancellation form to complete and a blank sheet to expose the cancellation of the contract. He handed us copies with the stamp of receipt of both sheets and asked us for the contract saying that everything was already without effect. By this date, the rest of the documents with which I had to affiliate my bank information to start paying for the program had not yet been received. These documents were received in the week of XXXX XXXX, which I discarded because we had already made the cancellation.
At the end of XX/XX/2019, I received a call indicating a delay in payment, I commented that there was an error since it had been canceled and therefore to date they did not have my affiliated bank information, they told me they would open a dispute for the above.
At almost the end of the year, the calls from Comenity Capital Bank began again, indicating that the dispute did not proceed since XXXX explained that he made the cancellation after 10 days of the termination period At the end of XXXX they left me two voicemails, telling me to contact the bank with a lawyer. I call them in XXXX and they tell me that I have a delay in my payments of five installments for a sum of almost {$600.00} and that they were making me monthly charges of {$50.00}, and that I should catch up before XX/XX/XXXX, after talking with several operators and request a payment schedule, one of them explains to me that the account was taken to collection with a high interest rate, therefore making the monthly payments agreed in the contract the debt is paid in 9 and a half years. Obviously these facts have negatively affected my credit history, but I want to make it clear that I have not made any payment, since two months of payments appear in my credit history ( XXXX and XXXX XXXX I declare that I have felt cheated by a fraudulent gift due to its inability to use, because it is an instrument to take people to a sales presentation, by a manager who assured me that the contract was without effect, in the facilities where it took Check out.
I feel intimidated by Comenity Capital Bank who told me by telephone call that they will contact my employer ( I do not have a job ), that they will take the reimbursement of my taxes, that they will affect my Social Security, that they will affect me with the IRS. But above all I do not understand why I am obliged to pay a contract that was canceled at the home office when I had not yet received the complete information, for debt of which in addition to inflation I have not received any good or service in exchange for the date and that I will not receive in the future either
12/22/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
IL
60154
Web
X/XX/17 file a dispute with PayPal XXXX XXXXepartment on charge for product that was never received from the vendor. I was informed that no payment will be due while the dispute is being investigated. The dispute amount and account balance was {$98.00}.
X/X/17 Paypal statement specified payment of amount in dispute {$98.00} not required X/X/17 PayPal statement balance of {$98.00} with a minimum payment amount of {$35.00}. I called and spoke to a representative to inquire about a status on the investigation and was told that it was still under investigation. The account will be undated as no payment is due on the dispute amount.
XX/X/17 PayPal statement balance {$160.00} with a minimum payment amount of {$70.00}. I called and spoke to a representative who stated {$25.00} late fee and {$37.00} purchase amount to account on X/XX/17 was due. I advised the representative that Im not understanding why a late fee is being charged when the purchase was less than 30 days in being on the account. I was placed on hold and the representative came back and stated the late fee is associated with the {$98.00}. I asked how as I have not received any notification from PayPal on the outcome of the dispute. She stated that an email was sent to me at XXXX XXXX XXXX I checked my email while on the phone with the representative and advised that I have no record of any notification from PayPal. She indicated that she will send notice to the dispute department. In the meantime, I will waive the late fee since my account is in excellent standings. I thanked her and advised that payment for {$37.00} will be mailed.
XX/X/17 PayPal statement balance for {$160.00} and again I called and spoke to a representative about the dispute, continued late fee and interest charges to my account where PayPal has still not provided me with any notification of there findings. The representative inidicated payment still has to be made while a charge is in dispute. I told the representative that was not what I was told when I filed the dispute and my XXXX statement confirmed that. The representative indicated there was nothing she could do. I informed her that I would be filing a complaint with the BBB.
XX/XX/17 I filed a complaint and XXXX at PayPal responded on XX/XX/17 stating an email was sent to me on X/XX/17 that the merchant tracking showed delivery. XX/X/17 BBB closed the case.
XX/XX/17 I pulled up BBB to check status and was unaware of a needed response from me on XXXX so I called PayPal and advised that I would be willing to pay the {$98.00} even though I did not receive any product from the merchant. I disagree in paying any fees and interest as PayPal failed to send me any notifications about the outcome of their investigation. The representative put me on hold and spoke to his supervisor and was told they can lower it to {$120.00}. I told the representative about poor business practice by PayPal to notify the consumer of their findings and the BBB complaint where PayPal responded. The representative placed me on hold again and stated PayPal never responded to BBB. BBB closed the case due to lack of response from me. PayPal sent me correspondence by mail as they do not communicate by email. I advised the representative that was incorrect as that was the response PayPal gave me and the BBB. I informed the representative that I was willing to pay the {$98.00} even though I never received the product, but PayPal needs to take some accountability for failing to follow their own policies and procedures. You are telling me that PayPal do not communication via email which is not true. You mentioned PayPal did not respond to BBB when that is not true as I have a copy of the complaint that shows a response from PayPal inidicating they sent notice to me by email. All Im trying to do is settle the account and closed the account as I refuse to do business with a company that dont follow their own policy, conflicting information is being passed and PayPal need to take accountability for not notifying me about the dispute outcome. I am willing to pay for something that I did not recieve. The representative stated he cant do anything more and he understand my frustration, but his supervisor told him he has to collect {$120.00}. I advised the representative that he needs to document the account and have it escalated to the next level as Im willing to work out a common solution, but PayPal failed the consumer. He said you can fax in written information for review and I asked what was that going to do. You are saying PayPal did not respond to BBB and do not communicate via email and Im telling you that is not true. Theres confusion within the organization on company practices and PayPal did not follow their own policy in notifying the consumer. I am willing to pay the {$98.00} and youre saying no. At this point I am filing a complaint with FTC for poor business practice and negative reporting to credit bureau by PayPal when you failed to advise the consumer.
07/10/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
MI
48067
Web
I pay my credit card charges within a day or XXXX of the charge being posted. I keep the balance at XXXX cent so a statement is generated, I was also signed up for auto pay to take care of the XXXX cent statement balance. The company changed the auto pay date to the XXXX of the month which is the same day as the statement end date. They also take the payment in full for any balance that is on the card as of the XXXX ... .regardless of the statement balance. So lets say the statement balance to be paid was XXXX cent. a charge is made on the XXXX. instead of taking the payment for the XXXX cent they are taking the payment for a statement that should have been generated on the XXXX.
now comes the kicker ... they will not issue a statement for any statements that have a XXXX balance! they wont mail a statement. they wont post the info on the portal on the internet. what they have created is a situation that anyone signing up to pay their bill via auto pay will not receive a statement. This is so wrong. I have contacted them many times since last XXXX to get this corrected. I even asked to have my payment due date changed to the XXXX of the month to avoid the XXXX balance situation. I have been told many times that they do not generate statements if the balance is XXXX! I use the card every month and there are purchase and payment activities. I am entitled to a statement of the activity. I asked them to mail the statements. wheat they sent me was random pages of the 7 months of statements that are missing. many many messages have been sent to them via their portal and numerous phone calls were made .I have now stopped the auto pay feature in an attempt to have a statement generated with the XXXX cent balance. The company has no alert system in place like all my other cards. I have asked them about this .For example alerts when a bill is due or if a charge is made for an amount over a predetermined amount. I have all my other cards set up to alert me if a charge is made over XXXX. It is the best way to be notified if the card has been used by someone else which once again for all my cards this is the one that has been used fraudulently 2 times. that was a whole nother mess that took months to straighten out. I have had the card for 5 years and was clear that if they issued a new card the payment history was to transfer. it did not and they removed the whole account from the credit reporting bureaus. my score dropped. after contacting the cfpb it was straightened out after I lost money having to pay higher insurance rates because my score dropped. I have to keep the card because of a discount I receive from the insurance company, anyways I want all of my statements posted to the portal and hard copies of the statements mailed to me. I also want to be able to assign my payment date to the XXXX of each month. I want the company to set up alerts. I also want them to modify their portal. the format is deceiving. It shows the statement balance info. To locate the actual balance you need to go to the payments link. regardless of the statement balance the current activity balance should be on the main page of info. Thank you. All they need to do is things that are customer service not customer disservice, .I was told by customer service that many people have contacted them about the problems with not getting statements and their practice of taking over and above the statement balance amount. None of my other cards have the statement due date the same as the statement date.. without the written statement it is a problem to make sure my records are correct and it is impossible to dispute any issues should arise. i also have no statements for the accountant to get my taxes done, this is just so wrong on so many levels. Lastly they do not report the correct info to the credit reporting bureaus, they only report a XXXX balance. they are not reporting the amount charged or amount paid for the month. this is hurting my credit score, without the charges and payments shown it looks like I do not use the card which in turn does not show that I am a responsible credit card user. with so many months of XXXX balance there is always the risk that it will be picked up as a non used card and they will have the right to close the card!! They do not understand the seriousness of this and the other areas of my financial picture that are being negatively affected. Adding in the time that I have spent to try to correct this is probably close to 20 hours. plus all the time that I have to check the card each day for any unauthorized purchases because they do not have alerts set up. It is not rocket science,,, it is the programming of their portal and getting their mindset to being customer service .I can not believe that they are set up to penalize responsible paying customers this way. I did tell them several times that I would be fining a complaint with the CFPB.. They were non responsive
06/21/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Old information reappears or never goes away
IL
60653
Web
Servicemember
his is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below Comenity Capital/Childrens Place. This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2021. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2021 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XX/XX/2021. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days
04/06/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
IL
60653
Web
This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below : XXXX XXXX This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2020. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2020 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XXXX XXXX. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days
10/08/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
AL
36527
Web
On XX/XX/XXXX I purchased a rug from a XXXX XXXX store in the amount of approximately {$1000.00}. The rug was purchased on a 12 months no interest promotional plan. The amount was charged to my XXXX XXXX credit card issued by Comenity Bank. On XX/XX/XXXX, the item originally purchased ( rug ) was showing as backordered, so the company issued a credit to my card. However, instead of issuing the credit to the promotional balance, the credit was issued to my revolving account, unbeknown to me. In XXXX when the rug was finally shipped, I was charged on a second promotional plan the full price of the item ( ~ {$1000.00} ). In XX/XX/XXXX when I realized what had taken place with the error of the credit being applied to the wrong balance ( my statement was showing 2 separate promotional balances ), I called Comenity to get this fixed. After numerous phone calls and hours spent on the phone, on XX/XX/XXXX the dispute was closed. Instead of removing the incorrect promotional balance from XXXX and applying that amount to my revolving credit balance ( which would have fixed the problem ), the 2 promotional balances were combined into one large promotional balance now consisting of almost double the amount I paid for the original item purchased ( the rug ). I never received any kind of letter from the dispute department showing these actions were taken, and I did not know until I received a statement the next billing cycle that instead of removing the incorrect promotional balance from XXXX, they combined it with the correct promotional balance from XXXX. On XX/XX/XXXX dispute # 2 was opened with the customer service representative with Comenity typing extremely detailed notes into my file for the dispute department to view. On XX/XX/XXXX, the dispute was closed because more information was needed. On XX/XX/XXXX I was issued a letter ( I received it via USPS the following week ) requesting in writing details concerning my dispute. I called on XX/XX/XXXX and spoke to a supervisor ( XXXX - ID # XXXX ) who informed me to send a statement in writing through the online messaging system. On XX/XX/XXXX I sent a very informative letter via the online messaging system. On XX/XX/XXXX, dispute # 3 was opened ( I was under the impression this was still dispute # 2, as I was not informed dispute # 2 was closed on XX/XX/XXXX ). Until yesterday ( XXXX ) when I called to check the status of the dispute, I was under the impression the dispute was being investigated, as I never received any further communication after receiving acknowledgement via the secure messaging system that my letter sent on XX/XX/XXXX was received. When I called yesterday, I was informed that dispute # 3 was opened on XX/XX/XXXX and promptly closed on XX/XX/XXXX. None of the 3 customer service representatives, nor the 1 supervisor I have spoken to in the past 24 hours can explain to me why dispute # 3 was closed in 2 days without any kind of documentation.
I am attaching a copy of the letter I sent to Comenity Bank on XX/XX/XXXX, after they requested more information from me in writing. I have asked to speak to someone in the dispute department multiple times, but the response I am always given is " they do not have phones. '' The 3 different supervisors I have spoken to since this ordeal began back in XXXX have not been able to provide me with any real assistance or explanation, other than each time providing me with the assurance that their detailed notes will be understood by the dispute department. This has yet to happen, and dispute # 4 was opened yesterday ( XXXX ).
I have never experienced anything like this with a financial institution where a billing error clearly on their end is refusing to be corrected. Currently, my 12 months interest free promotional plan is set to expire with my balance being greater than the original purchase price. I will end up paying accrued interest on money I have already paid previous interest on ( my revolving balance ). I am currently at a loss as to what to do. I am a high school teacher trying to teach remotely in the middle of a global pandemic, and I have XXXX XXXX at home. I have spent at least a total of 25 hours trying to get this corrected, and yet it is still not correct. I have previously requested all information listed in the notes of my file with Comenity, including the dates and times of all the phone calls made to customer service. I have not been successful in obtaining this information. I would greatly appreciate any help and assistance you can provide. I feel at this point, after the experience I have had with Comenity, along with the violation of my rights outlined in the Fair Credit Billing Act ( failure to notify me in writing of closing dispute cases and failure to notify me in writing of the outcome of dispute cases ), the amount in question should be greatly diminished and my promotional period be extended.
03/26/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
NY
11050
Web
A credit card with Arhaus furniture store ( Comenity Bank ) was opened XXXX XXXX, 2019. The initial purchase was made using a promotion that was no interest for 1 year. Subsequent purchases were made under a 6-month promotion period of no interest. Each and every month, the minimum payment was made on time. The six month promotion balance was paid in full on time. The 1 year balance was coming due. I was concerned that I would not be able to pay the balance remaining of {$10000.00} by the XXXX due date. So, towards the end of XXXX. I reached out to customer service at Comenity Bank to see about an extension. I was transferred to the financial hardship department. My plan was to pay a portion of the balance and the remaining balance would fall under a payment plan with with the financial hardship department. However, in order to do that, they needed a final balance to work with. I was told to make my payment and then call back. Given that my husband 's salary was cut due to the pandemic and our daughter has many expenses due to special needs, I opted to open a new credit card and use a balance transfer to pay down the Arhaus balance. This account with XXXX ( XXXX ) was approved and an e-payment of {$3300.00} was authorized on XXXX XXXX. Unfortunately, the payment was rejected by Comenity Bank on XXXX XXXX. I was not informed of this until I received a letter from XXXX via USPS on XXXX XXXX. The reason from Comenity Bank was " invalid account number ''. This was NOT correct. I called the bank and they confirmed that the account number was correct. The representative could not understand why the payment did not go through. I also called XXXX and they said the same thing. Comenity said to try again. I did. The same rejection happened. I called Comenity again and spoke with many representatives ( escalating the issue to supervisors ). Again and again I was told that everything was correct : account number and bank name. Hours were spent on the telephone with Comenity representatives ( all calls were logged by them ). At this point, I am past my due date. Frantic, I applied for another credit card on XXXX XXXX, now with XXXX XXXX XXXX with a balance transfer request for {$6000.00}. Also on XXXX XXXX, I called XXXX again and with the representative on the telephone we did the transfer together ( prior attempts were done online ), but this time, I said try Arhaus ( not Comenity Bank ) since all other attempts failed. This transfer, for {$4000.00}, was ultimately successful.
The XXXX XXXX XXXX account was approved and the payment of {$6000.00} to Comenity Bank was made on XXXX XXXX. The final amount of {$76.00} was e-paid from my checking account. I am not charged {$3400.00} in interest charges on the open balance. I have tried many times with many representatives from Comenity to get the interest credited, but no one can help me. I was told to file a dispute online on their website. I did so with all documentation showing the attempted payments uploaded. Letters were sent back to me indicating no back-up documents were sent. They documents were mailed on XXXX XXXX and still no response. Each supervisor that I escalated to told me that they could not get in touch with anyone in the dispute department, " they don't have a way to get in touch ''. I was left on my own. I mailed the documents again this time certified mail and have proof that they were delivered. Yet again, a letter saying no documents were provided so the interest charges stand. I have spent hours on the phone - and still - all reps tell me sending to Comenity Bank was correct. They never heard of sending to Arhaus. Even their statements say Comenity bank as the payee. Yet, the payment did not go through and now they are enforcing a huge interest charge and won't even speak with me. I went to the store and the manager said she would reach out to her rep, and the manager never got back to me ( I emailed her to follow-up too and no response ). Finally on XXXX XXXX I got someone named XXXX XXXX on the phone. She said she would be my contact now and needed to get the paperwork from the dispute department. This would take a couple of days. She called me back 2 days later to let me know she still had not received the paperwork. This was greatly appreciated. However, it is now XX/XX/XXXX and I have not heard from her. I left messages for her on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no return call. Comenity Bank 's customer service is shameful!! And during a pandemic no less. HOURS of time have been spent. I have not paid the interest charge nor do I intend to. I am not trying to get away with anything. Payment attempts were made but not successful due to Comenity 's error and lack of knowledge. The balance was paid in full within 3 weeks. I am an honorable person with a good credit history. Please help to resolve this. Thank you!
10/26/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CT
06801
Web
Several years ago I purchased a vanity with my Wayfair credit card. Wayfair became hostile toward me after they delivered a damaged marble vanity and I asked that it be replaced. After sending me another damaged vanity and much effort to resolve the issue, they threatened me that I was no longer welcome to buy from them. Wayfair continued to bombard me with email solicitations to buy from them and junk mail. They even sent me an updated Commity (? sp ) credit card which I did not use that replaced the old Wayfair credit card.
Recently I purchased several items for my home from Wayfair on my XXXX XXXX Mastercard linked to my personal checking account Note that I did not use the Wayfair credit card. Note that Wayfair will say they don't keep a record of the card I used so that's why I include the picture of the item showing I purchased even though they scrubbed my account history and won't let me access it So Wayfair immediately debited my credit card for the purchases and sent me emails that the purchases were on the way but then the items didnt arriveand when I contacted the delivery agentthe delivery agent said that they were not delaying the items I tried to contact Wayfair and then when I logged onto my account on the Wayfair website, weeks later I see that Wayfair cancelled two of my orders without notifying me and without my consent. One order was for several small throw rugs ( see attached cancelled orders ) that thankfully were on sale at XXXX where I purchased them but I was very annoyed. The second item was a double-sided barn door latch, which I really needed and was beyond annoyed when I discovered the little trick Wayfair had pulled by again sending me updates that the item was on its way, etc., etc, but then weeks later they went into my account and cancelled the order. ( I purchased the barn door latch from XXXX as well. ), The third item, a doormat I ordered ( see attached ), I waited, and received no notices except ... of course, it was also delayed. Then when I tried to figure out what was going on I was blocked from using the online chat bot to resolve the issue, and next I tried to contact the customer service by phone and got a run around as to why the item was delayed. So I assumed, as anyone would, they were going to cancel this item to without my knowledge or consent after they delayed the shipping for a few weeks like they did to waste my time with the two previous orders ( all ordered around the same day ). So I ordered the doormat on XXXX. Then, on XX/XX/XXXX, I get this obnoxiously inappropriate nasty email from Wayfair that it would no longer do business with me because I was dissatisfied with the resolution of the two damaged vanities they tried to dump on me. After I received my XXXX purchase, lo and behold, what shows up but the identical item from Wayfair! But wait, didnt Wayfair tell me that they weren't doing business with me? So now I have two door mats and being a XXXX senior citizen on social security I don't have two front doors or the money to spend on two doormats. So I tried many times and many ways to contact Wayfair, but instead of behaving like a straightforward company would do, they played cat and mouse with me, putting me on hold, circumventing my calls all around, having the chat robot send me in loops on line, dead ending my requests for a return label and telling me I needed to contact them at a special number. Finally when I used the special instructions I get this agent, XXXX, who put me on hold for at least fifteen minutes and then berated me in a nasty unprofessional way telling me that Wayfair had permanently severed ties -- exact quote with me -- and therefore I couldnt return the item as I was persona not grata. But wait, theres more. After Wayfair informed me that it had permanently severed ties with me, Wayfair had the audacity to sent me an unsolicited email asking me to rate XXXX service! Seriously? How about less than a XXXX and a bar of soap to wash out her mouth? As if that wasnt enough, Wayfair continued to send me sales solicitations and emails and flyers. Didnt these unprofessional nasty people tell me that I couldnt buy from them? Were not our ties permanently severed? When I went onto the website under my account, not so clever Wayfair had deleted my purchase history ( as I am person non grata ) but thankfully I had taken screen shots of the rugs they unilaterally cancelled and the barn door they also unilaterally cancelled and a few of their other unsolicited and unwanted emails intrusions which I attach as proof of the disgusting way they treated me and handled my purchases that should NEVER happen to anyone let alone be orchestrated purposefully to screw around with a buyer. STAY AWAY FROM WAYFAIR. XXXX HAS THE SAME MERCHANDISE AND WOULD NEVER TREAT PEOPLE LIKE WAYFAIR DOES.
06/25/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with customer service
SC
29605
Web
In early XXXX I contacted Community Bank in regards to my Victoria Secret , XXXX, and NY Company credit card accounts. I explained to the young lady that I work two jobs and I loss one job due to COVID-19, which significantly impacted my income and I was calling all companies where I was behind or in jeopardy of being behind. I told her that I wanted to assistance with getting my balances paid down without incurring any additional fees. She set me up on a program where i would pay {$45.00} for NYC and XXXX and {$75.00} for NYC for three months. She stated I would not receive any late fees and my card would be suspended until the balance was brought current. She also waived the late fees I had incurred. I made the first payment in XXXX and the next payment in XXXX prior to the due date. When i went to make the third payment I notice the balance on my XXXX and NY Company card had significantly increased. So i only made the payment on Victoria Secret. Today XX/XX/2020, I contacted the company discuss what was going on with my account. I spoke to another young lady who after speaking we determined I was placed on a re age program and the balance had increased due to late fees. Now as a person who is impacted financially by a Global Pandemic why would this program be offered to me if there were other options to help me. The young lady agreed that i should not have been placed in this program and told me there was a financial hardship department she would transfer me to that could lower my payments to {$20.00} and waive any late fees after its completion. When speaking to this department, the call dropped once we were finalizing the agreement. So i called back and spoke to a gentleman whose name I could not recall. When I explained to him that I needed to be transferred back to this department due to the call dropping, he proceeded to ask me a bunch of questions and told me he did not see any notations about a such program, as if it didn't exists. I told him I dont know the name and explained the terms I was given. He still wouldnt transfer me. I asked him if he didnt know what department I was referring to, to simply transfer me to someone else or a supervisor who does know. He told me that he was the financial department and refused to transfer me. He then told me that I had to make a payment today. At this point I am annoyed because I had already been on the phone for 30 minutes. I work from home and was neglecting my job duties to work this situation out. I did suggest that he may have been having a slow day and not reading the notes on my account. He became irate and argumentative, again refusing to transfer me to a supervisor. He actually stated he was a supervisor. He ended up hanging up on me. I called back and requested a supervisor and spoke to XXXX. XXXX was very professional and apologize even though the actions of that agent was not her fault. She assured me that the program was enacted on my XXXX and NY Company card. We also agreed to not enroll the VS card due to it being current. I did let XXXX know my concerns in the agent I spoke to in XXXX as well as the agent that previously hung on me using deceptive and unprofessional tactics to get customers to make a payment so that they get credit and meet their goals. The first young lady should've offered me this program in XXXX and the gentle I spoke to tried to say that the program did not exist so i would make a payment. With the current state of the world, this is not the time to be shady. I am very disappointment and I wonder how many other consumers have received this treatment. After disconnecting the call with XXXX, I then received a call from the collections team again telling me account is past due and to make a payment. The young lady also did not read the debt collections script, verify my identity with my address/ssn, or advise that the call was being recorded. Not sure if that was needed but it wasn't done. I told her that there should be a notation on my account about the program I was just enrolled in. She proceeded to say it wasn't. So imagine my frustrating. I asked to speak to a supervisor and got XXXX. XXXX immediately saw that I was enrolled in the program and explained that I received a call due to my number still being in the dialer. My concern is why do I have to speak to supervisors in order for things to get done? XXXX and XXXX should not have been inconvenienced because the agents either failed to read the notes on my account or disregarded them in an attempt to get me to make a payment. Training is needed. This should not have gotten this far. Kudos to XXXX, XXXX, and the first young lady I spoke to on XX/XX/2020 for doing their job and putting the customer first especially during these times. The other agents need more training.
01/14/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
GA
30344
Web
On or about XX/XX/XXXX, I applied for a card at XXXX XXXX and received approval for a XXXX managed by Comenity with a credit limit of {$7100.00}. I tried to use the card at XXXX XXXX on XX/XX/XXXX for {$130.00} and it was declined. The clerk tried another method and on the payment screen, I saw " Available Credit {$0.00}. '' I immediately called the number on the back of the card XXXX and got an automated system which explained that my account was closed and then hung up. At no time was I prompted to speak with a live agent ; that wasn't even an option on the recording. I was very confused. I went to the online secure message feature for the account and the exchange was as follows : XX/XX/XXXX - ME : I've been trying to contact someone to tell me why my account has been closed! I tried to use the card, which had never been used, in the store and it was declined. When I called the number on the back of the card, I got a recording that informed me the account was closed and then it just rudely hangs up. I haven't been able to speak to a representative. Please explain this!
XX/XX/XXXX - COMENITY REP : I'm with Comenity Capital Bank, which handles your XXXX account. This card is issued by Comenity Capital Bank pursuant to a license by XXXX XXXX XXXX, and XXXX is a registered trademark of XXXX XXXX XXXX. I'm here to help with your account needs.
Thank you for taking the time to provide your feedback.
Your thoughts are important to us, and we'll use your feedback to help provide the best customer service possible.
Please accept our apologies for any inconvenience you've experienced.
I understand. Learning that your account has been closed can take you by surprise and create confusion. Taking a look at your account, I see it's associated with what Comenity [ Capital ] Bank considers to be a risky financial history. That's why any accounts you have with our bank have been permanently closed. I apologize for your frustration and any inconvenience this may cause.
If you have any questions, please click the reply button.
Sincerely, XXXX Internet Customer Care Team XX/XX/XXXX - ME : Risky? How? I have another Comenity card ( which, to my knowledge, remains open and active ) and my payment history is impeccable. My credit score is in the mid XXXX and has been for quite some time. So please elaborate on what you mean by " risky financial history. '' XX/XX/XXXX - COMENITY BANK REP : I'm with Comenity Capital Bank, which handles your XXXX account. This card is issued by Comenity Capital Bank pursuant to a license by XXXX XXXX XXXX, and XXXX is a registered trademark of XXXX XXXX XXXX. I'm here to help with your account needs.
I apologize for the inconvenience that has caused.
Please be informed that your account was closed due to number of recent inquiries on your credit report.
A letter was issued to your mailing address on XX/XX/XXXX providing additional details of the account closure. You may review this letter for your reference.
If you have any questions, please click the reply button.
Sincerely, XXXX Internet Customer Care Team XX/XX/XXXX - ME : Thanks for your reply. Please pass along to whomever needs to know this : That is very poor policy! You all make an inquiry on my credit, issue me an account, then subsequently close the account because there are too many inquiries? There were as many inquiries on my credit when the account was issued as when it was closed ; so why even issue me an account in the first place? Again, very poor policy! You guys have left a sour taste in my mouth when it comes to Comenity Bank.
XX/XX/XXXX - COMENITY BANK REP - I'm with Comenity Capital Bank, which handles your XXXX account. This card is issued by Comenity Capital Bank pursuant to a license by XXXX XXXX XXXX, and XXXX is a registered trademark of XXXX XXXX XXXX. I'm here to help with your account needs.
Thank you for taking the time to provide your feedback.
Your thoughts are important to us, and we'll use your feedback to help provide the best customer service possible.
Please accept our apologies for any inconvenience you've experienced.
If you have any questions, please click the reply button.
Sincerely, XXXX XXXX Customer Care Team My issues/grievances are as follows : XXXX. ) I never received this alleged letter telling me my account was closed ; only one apologizing that they couldn't get me a lower rate at this time, which I never requested. XXXX. ) As stated above, I now have an extra inquiry on my credit, one that will remain until XX/XX/XXXX if I'm not mistaken, and with nothing to show for it. To piggyback on that grievance and also as I stated above, Comenity closed the account with the same number of inquiries as when they approved it so why even issue an account in the first place?
07/28/2020
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
OR
97023
Web
I started received numerous calls throughout the day from Comenity a few months ago regarding one of my daughters credit card accounts - either Victoria Secrets, or Forever 21. I had asked them to quit calling at one point. They didn't. I then tried emailing Comenity first on XX/XX/XXXX, then again on XX/XX/XXXX so there was a paper trail. I explained the situation, asked that they quit calling me from their numerous phone numbers and locations. All I had gotten back both times was a 'script '.
Here is the first email I had sent : External Email Submitted on Friday, XX/XX/XXXX - XXXX Submitted by anonymous user : XXXX Submitted values are : First Name : XXXX Last Name : XXXX Email Address : XXXX Phone Number : XXXX City : XXXX XXXX : Oregon Zip Code : XXXX Inquire : Other Credit Card : Victoria Secret or Forever 21 Question : Not sure who to contact. I keep getting calls in regards to one of my daughters accounts, but when I try and answer, there is dead air, then they hang up. You have called ME 4 times today since XXXX PST. It is now XXXX PST. Stop Calling Me!!! You never respond when I answer, so you lost your chance at a contact. I get one more phone call from ANY of your call locations/trunk lines/etc., I will report you for harassment.
Got it!? This helped in one regard though - I will never open an account that has you as the bank. This is completely uncalled for.
Sincerely, XXXX XXXX - for XXXX XXXX XX/XX/XXXX @ XXXX PST Agreement : I have read and understand the privacy statement The results of this submission may be viewed at : XXXX XXXX XXXX This is their response : From : Comenity Service [ mailto : XXXX ] Sent : Saturday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Re : Form submission from : Contact I am with Comenity and Comenity Capital Bank XXXX which handles everything related to your credit card account.
We would like to promptly assist you with your credit card account inquiry. However, because we were not able to verify your identity or any credit card accounts with one of our Bank at the time of your request, we are asking that you re-submit your inquiry through our secure customer service channels if you have an account with Comenity or Comenity Capital Bank. If you are unsure if you have an account with one of our Banks, we ask that you contact us by phone at XXXX.
If you have any questions, please click the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Here is the second email I had sent, and I never received a response : OK.
As I said in the customer service email originally, I don't have an account. It's in regards to my daughters account for either Forever 21 or Victorias Secret. Her name is XXXX XXXX, again, as I had stated in the original email.
Again, it has nothing to do with money, what she owes, or the cards themselves or the account. My complaint is with the excessive phone calls I get every day in regards to her accounts. It's not even my account, and I'm being harassed! I answer the calls, no one says anything, then its a dial tone because I'm hung up on. I am sick and tired of the hundreds of phone calls I get each week. I'm done.
As I said, and you have already went beyond my request since my original email, so I will seek counsel from what ever organization will act on this. It was my/our legal right to ask you to cease and desist excessive harassment. I did that. You did not comply.
I will not tolerate any more phone calls. Not one. I'm sure your calling my daughter just as much, and on her behalf, I will add her to my counsel request.
Excessive harassment will not be tolerated. I've been through this with a bank I had issues with in the past, and I won.
So, quick the talking around and not answering my questions with your pre-printed script because the customer service there seems to be lacking.
XXXX XXXX XXXX XXXX XXXX ( 2nd communication ) As of today, XX/XX/XXXX, I still receive numerous phone calls a day from Comenity from different numbers and different citys/states. Their name and location comes up on my phone. I don't even bother answering anymore. No one listens, or complies. I have received 3 phone calls just this morning so far! One at XXXX from XXXX, one at XXXX from XXXX, one at XXXX from XXXX, and again at XXXX from XXXX. Seriously?? Excessive a little?? ( My Visa 's are not even that annoying when I happen to be late! ) They never leave a message, keep calling! Other phone numbers they have called from just since XX/XX/XXXX ( Its as far back at my phone holds on to 'recent ' phone calls ) : XXXX XXXX + numerous 'restricted ' or 'unknown ' or 'potential spam ' numbers that they had blocked the number after I XXXX ' buttoned them when they tried calling. ( 14 ) calls since XX/XX/XXXX.
05/20/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
10579
Web
This dispute is due to a late charge that was supposed to be credited in XX/XX/2020 to my XXXX XXXX XXXX Credit Card but never was although I was assured by Comenity Banks representative at that time that it would be. I took his name and ID number, but this information was in my office and due to Covid-19, I wasnt able to access my office and obtain this information and as a result could not include his name in this document. However, I trusted that he would assist me, especially in light of all of the issues with the virus and the continual notes from Comenity on how they were here to help. I had explained to this individual that I paid my bill on the day it was due in the amount of {$200.00} which was the balance due but due to an eye procedure was having difficulty seeing. I paid this bill at XXXX XXXX on XX/XX/20 and forgot the cutoff was at XXXX XXXX. which is ridiculous in itself so payment was not reflected until XX/XX/20. The rep didn't care even though I offered to get a doctor 's note to support this and instead he gave me a lecture about there are other ways to pay my bill. Given I have been a good paying customer and this was an unusual circumstance, he finally agreed to assist me and I believed he would do so..this was mistake number one. In XXXX, when I received a bill and saw it wasnt credited, I contacted them immediately and spoke to XXXX, ID XXXX at XXXX XXXX on XX/XX/XXXX and she assured me I would have a XXXX balance within 48 hours ; unfortunately, it didnt happen. Then I spoke with XXXX on XX/XX/20 when I received a call from Comenity to say my payment was late. I explained the situation to him and after holding for a while and him consulting with his supervisor ( he didnt have an ID number which I thought was unusual ) he told me that he saw the notes in the file, but that it takes three business days to get the credit to show on their end which was not what XXXX told me the day before so this was another indication that this wasnt being handled properly. I called back to follow up to make sure the credit was applied and spoke to XXXX, ID XXXX on XX/XX/20 at XXXX XXXX. and he said that the late charge was credited but it takes more time to credit the interest charge of {$5.00} but he too told me not to worry it would be taken care of. With every person I spoke with, I expressed my frustration and disappointment that the information I was being told never came to fruition. I also asked each one of them if my credit was going to be affected and they all reassured that it would not be reported since I didnt owe the money. When I followed up again and spoke to XXXX, ID # XXXX on XX/XX/20 at XXXX XXXX. I was told by her that all was good, and I had a XXXX balance. Then I noticed my credit score dropped significantly and found out that it was due in large part to the Comenity Banks notation that my account over 30 days late for in XXXX which was the late charge and in XXXX for the {$5.00} interest charge.
I think this situation is a great example of a credit card company mishandling a customers account and negatively affecting my great credit standing even after repeated follow ups and promises on their end. I certainly documented each time I spoke with someone so they could not refute my calls and what they had promised me they would do and each time I spoke with another rep I would give them all of the different names and ID numbers of who I dealt with during this saga. Not only did this affect my credit standings, however, my spouse XXXX XXXX XXXX was also impacted by their incompetency. When I received my statement on XX/XX/20 which showed I was past due and then saw my credit report on XX/XX/20 I called Comenity again and spoke to XXXX, ID XXXX and he apologized and told me that in fact they owe me {$5.00}. I have attached a copy of a screenshot of my online account view showing the credit and another which reflects the various late fees that they erroneously applied and then subsequently credited. This was a nightmare and I do not think I will ever use this card again! The real insult is I paid this account in XXXX before the promotional balance was going to expire to avoid paying a lot of interest when it came due in XXXX and this has been nothing but aggravation for the last three months.
Now even though they owe me {$5.00} when I go into my online account I have the following message appear at the top : From 24/7 account management online to hardship assistance, we've got you covered during the COVID-19 pandemic.
Payments Your account is past due. Please pay the minimum payment now to avoid additional late fees. Still need help? Please send us a message through Secure Message Center or contact Customer Care at XXXX.
How is that even possible!!!!
04/17/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MA
01524
Web
My complaint is against XXXX XXXX XXXX XXXX XXXX/XXXX.
XXXX XXXX XXXX XXXX XXXXXXXX Credit Card - I have a balance which I have been paying monthly - no issues.
XXXX XXXX Credit Card - Offers me offer for zero % financing for all transfers - great!
What happens : I pay off the balance of my XXXX XXXX credit card through my online account with XXXX XXXX for the amount of {$460.00} on XX/XX/XXXX ( sent to XXXX Account # XXXX ) This payment was made before my due date for my bill for my XXXX account.
XX/XX/XXXX - I receive a statement from XXXX 's stating that I am past due on my account and now owe a late fee. How can this be since I paid off my balance in full in XX/XX/XXXX. This is where complete XXXX started and has not stopped since.
I called XXXX 's immediately and spoke to several people there and explained my situation. XXXX XXXX opened up a claim and asked if I could provide proof that payment was sent ( see attachments : " Fax sent to XXXX - Payoff of account transaction from XXXX XXXX ( A ) '' and " Payoff of account transaction from XXXX XXXX '' ) I printed out my statement from XXXX XXXX, which listed the money transfer, amount and date of transaction and provided it to them ( faxed it - as they said they can not receive email transactions ). They said once they receive the proof that most likely the claim will be closed and my account will be updated.
XX/XX/XXXX - I receive another letter from XXXX XXXX stating that my claim has been closed because I did not send them proof of transaction they requested. I immediately get on the phone and called XXXX 's. I spend about 1 1/2 hours on the phone with them explaining to them the scenario all over again. They ask me to fax again. I say I already did that once and I don't trust that it will be received again. I finally was able to get them to let me send the attachment through their Secure Message Center.
XXXX XXXX then states that I need to contact XXXX XXXX and get the trace # for the transaction to provide to them. I call XXXX XXXX, explain all the above and they provide me with trace # ( XXXX ) and they tell me that they can see it's waiting on XXXX XXXX end to accept the transaction.
I call back XXXX XXXX and provide them with the trace number ( I have been dealing with XXXX XXXX who is a supervisor there ). I am now listing all of this information in the secure messaging system and sending it to them as well ( see attachment : " Secure Message Center messages between XXXX 's and XXXX XXXX ''.
XXXX 's then proceeds to tell me that they are unable to process the trace and I need to contact XXXX XXXX again and tell them to pull back the transfer. I explain to XXXX XXXX that I've already spoken to XXXX XXXX and they are unable to pull back the transfer - XXXX XXXX has to accept it.
I call XXXX XXXX again and tell them that XXXX XXXX is not going to help me - ask if there is anything they can do. They say they can only open up an investigation ( confirmation # XXXX ). I followed up with them a month later and they said they sent XXXX XXXX a letter showing that payment was made to them, and that they are not able to pull back the funds.
XX/XX/XXXX - XX/XX/XXXX - Going back and forth with XXXX XXXX to try to resolve the issue stil.
End of XXXX - I receive another letter from XXXX XXXX stating my account is past due, late charges, etc. I call back and talk to XXXX XXXX ( XXXX ) who I've been " working '' with for months. I explain everything again and XXXX states my claim was closed again because there was no activity and that I did not provide trace #. All lies. I provided the trace # via voicemail, secure email and through letter by XXXX XXXX. XXXX stated she would open up my claim again and she listed the trace number again. She said it should be taken care of within a week or two.
XX/XX/XXXX - I receive another letter from XXXX XXXX stating my claim has been closed.
I am now at my wits end. I have no idea what to do to resolve this issue. Neither credit card company wants to help me in any way. I haven't done anything wrong. I just wanted to pay off my account. No one will help me. I have since called XXXX XXXX about 100 times and have left several voice messages, none have been returned. I'm being called several times a day from their collections department.
My credit score has been negatively impacted from this and that is my main concern. Please, can someone help me with this situation. The never ending stress that this is causing is too much. I've worked very hard over the past several years to get my credit score back up and now it is being brought back down for something that is out of my control.
Thank you in advance for any help you can provide.
XXXX XXXX XXXX XXXX XXXX
07/06/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
DE
19709
Web
XXXX XXXX and Comenity Bank work together to issue and manage reward dollars for their credit card customers. Reward dollars are earned and can be used toward merchandise, but the customer must buy the merchandise on the store credit card and will then be reimbursed at a later date. XXXX XXXX states that it takes approximately one billing cycle for this refund to appear on the credit card statement. Their literature also states that if a customer needs to return or exchange a product that was purchased with reward dollars, then the reward dollars are forfeited. On XX/XX/2019, I went to purchase a rug at the XXXX XXXX store at XXXX XXXX, DE. The rug was on display, but unfortunately was not available in the store. Therefore, I was told to place an order for the rug at the register, and the rug would come from the warehouse and would be mailed directly to my home. Unfortunately, the sales associate ordered the incorrect rug. I had no idea it was the wrong rug at the time because as customers we are not privy to sku numbers etc..and the picture on my receipt was in black and white so the rug appeared to be the one I wanted. There was no way I could have known that the rug that was ordered was not the rug I wanted. When the rug arrived at my home, I only needed to open a portion of the package to see that the rug was the wrong weave and color. I immediately called the store to tell the associate it was the incorrect rug. The associate who helped me on the evening of XX/XX/2019 was not available, but I was instructed to bring the rug back to the XXXX store and someone would correct the order. So, on XX/XX/2019, I took the rug back to the store and completed this transaction. The associate who helped me saw that the mistake was obvious because the rug I returned was not even on display in the store! She completed the transaction for the exchange, and two days later the correct rug arrived at my home. After all of this, I expected my reward dollars to be refunded to my account in the amount of {$350.00}. However, in XXXX, I received a merchandise credit for {$350.00} in the mail. I learned that this credit was to cover the cost of the rug instead of a refund in the amount of {$350.00} to my XXXX XXXX credit card. As a customer, the merchandise credit does not suffice because my credit card bill can not be paid with it ; it only affords me an opportunity to buy more merchandise. I called customer service and explained the error, and I was told to keep the merchandise credit and that it was their mistake. I called customer service on four occasions to ensure that I would get my credit card refund, and the telephone associates were impatient and unaware of the notes from previous calls I made. I was surprised that the associates were not referencing information in the computer system and seemingly unaware of the transactions and my issue with receiving a merchandise credit. Eventually, on XX/XX/2019, I filed a dispute with Comenity Bank, XXXX XXXX XXXX, XXXX, OH XXXX. I received correspondence in XXXX and another on XX/XX/2019 stating that the dispute was not settled in my favor and the case was closed. I am very unhappy with this decision because essentially I am paying {$350.00} out of pocket for a rug that was purchased with XXXX XXXX reward dollars, and the only reason I am paying for the rug is because the store associate made a mistake and ordered the incorrect rug. I understand that people make mistakes, but I do not understand why XXXX XXXX won't acknowledge the mistake and refund reward dollars that I have earned. The company should refund the dollars to my store credit card instead of issuing a merchandise credit. The merchandise credit is in XXXX XXXX 's favor because it helps the company make additional profits.
XX/XX/2019, I called the phone number at the bottom of the letter I received from Comenity Bank ( attachment : dated XX/XX/2019 ) to see what else I could do to resolve this matter in my favor because I felt I was being treated unfairly as a customer. I asked to speak to a supervisor. The woman who handled my call gave me the same options I already pursued and was not helpful. She said there was nothing she could do, and that this issue was my fault for approving the transaction on that day in XXXX instead of checking my receipt before leaving the store.
Lastly, on a related note, XXXX XXXX states that it takes approximately one billing cycle from the date of purchase to be reimbursed for merchandise purchased with reward dollars. This simply is not true because I have other purchases that are months old and have yet to be reimbursed! Meanwhile, the finance charges accrue while I wait for the reimbursement. It is a system designed to keep customers in debt.
11/17/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MD
20607
Web
On Tuesday, XXXX XXXX, XXXX, I was approved for credit by XXXX XXXX Bank to purchase a XXXX of XXXX diamond ring from XXXX XXXX XXXX XXXX XXXX enclosed inside a XXXX XXXX ring from XXXX XXXX in XXXX for $ XXXX. I didnt want to carry the item around with me while shopping and touring the island so XXXX XXXX XXXX XXXX agreed to carry the merchandise back to the ship and give it to me later that evening. I didnt receive the ring from her until the evening of Wednesday, XXXX XXXX, XXXX.
I took the merchandise back to XXXX in XXXX on Thursday, XXXX XXXX, XXXX, and explained to the manager** there that I wanted to exchange the ring for another style for no more than what I had purchased or even below the purchased amount. I also explained that if we could not come to an agreement of exchange that I would return the ring back to that store with the understanding that I was not being accommodated. At that point he nodded his head in agreement. I proceeded to look at several rings and I was shown other rings. Finally, I picked out a band and was shown several diamonds ( which were only XXXX of XXXX even though I asked to see other diamonds with less facets ) that could be mounted on the band that he thought would complement it. However, I kept getting quotes exceeding the limit the price of the ring ( one amount totalling {$14000.00} ). I also reminded him and the saleswoman who was working with him that I was approved for financing for 18 months. As a final ploy to get me to pay additional monies in exchange for the one I had, the manager offered to extend my zero interest credit from 18 months to 24 months and wanted me to pay {$9300.00} for a XXXX of XXXX diamond to be mounted on the {$2400.00} 14 karat band that I picked out ( a totaling almost {$12000.00} ). He left for a few minutes and came back only to tell me that he couldnt stretch the payments out to 24 months. Again, I told him that this would not work for me. Then XXXX XXXX XXXX, approached me to ask me Would you like me to talk with the manager? I may have more clout and can push harder for the extension for 24 months financing. My reply to her was basically, if you had that kind of pull you should have helped me out way before then. Whose side was she now on? From where I was sitting it didnt seem like it was on mine. At that moment, I told him I was returning the ring to him & XXXX XXXX because I didnt see a resolution. He proceeded to tell me that he could not accept the ring. WHAT DO YOU MEAN YOU CANT ACCEPT THE MERCHANDISE BACK? Only at that moment was I told that because of International Laws, he could not accept the ring back because it was purchased in XXXX and that I would have to take it back to XXXX or contact their New York Office. So, they would ONLY accept the ring back IF I exchanged the ring for another one. But, if I was returning the ring they could not take it back because of rules? Mind you, I am on a cruise ship and can not ask the captain of the ship to go back to XXXX so I -only I- can return this ring back to XXXX XXXX XXXX store. As a customer, I was appalled. All this time you were pushing for me to pay more money. I felt like I was being punished for returning ( or exchanging ) the ring by having to pay more money beyond what I could afford.
XXXX XXXX XXXX Monday, XXXX XXXX, XXXX. For nearly two hours prior reaching XXXX I, and close to 100 cruisers, listened to the Carnivals Shopping Expert** talk about all the good things about diamonds and XXXX XXXX ; how to buy a diamond ; what a fabulous discount we would get by attending her seminar as well as being there to assist with our purchases because of her relationship with XXXX XXXX. I felt abandoned in the end. In the XXXX store, I told the Carnivals Shopping Expert that she left out some very important information to Carnivals loyal customers : Return policies on XXXX XXXX to mention one. So, I implore XXXX to incorporate these kinds of matters in your presentations to your customers.
I was informed the hard way. It is not my intention to disrespect anyone. As a consumer, I wanted to return the merchandise. XXXX says they will only give me a store credit. I still have to pay the full amount. So we my question is : As a credit card banking company, does n't the bank have a responsibility to the consumer to allow them, not the 4rd party, to get in an item for refund within a reasonable period of time? At this point, XXXX is requiring that I work with them only, not the bank who approved the line of credit.
XXXX The store did not have an official Grading Report to accompany the ring I purchased. I was told that one would be mailed to me.
XXXX Names of these individuals have been withheld until needed.
03/11/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
MS
39209
Web
Comenity Bank manages several accounts for various stores. I have an account with XXXX XXXX XXXX XXXX. This is where my recent issue stemmed from. I even went to the XXXX. Comenity recently dropped my credit limit from {$1200.00} to {$700.00}. I had two issues with this. The first, and as I explained to them is that they didn't have valid reasons to lower it and due to them lowering it, it resorted to the card appearing to be maxed out because now the lower credit limit is as close as it can be to the balance. Now my card is reflecting with a higher balance and a higher credit usage per the bureaus ; lowering my score of course. The second reason is that I didn't receive notice from them indicating this action was going to take place prohibiting me from making any type of arrangements such as maybe paying more to lower the balance so that it didn't appear maxed out. I hadn't used the card in months but used it due to not wanting them to close the account. I have over 91 % of on time payment history overall and over 95 % of on time payment history with them. They lowered my credit limit in what seems immediately following a late payment that as I explained to them I simply forgot but paid right on the spot as soon as I received the email informing me nearly 2 weeks later. They in return waived the late fee due to my excellent payment history but refused to restore my credit limit. My only option per them was for them to run another credit check to see if I qualified even tho I already have an account with them. Comenity did not drop my credit limit based on history with them, they dropped it due to other non-pertinent details in my credit report during what appears to be random checks that I am not authorizing. One of the reasons given in the correspondence I received was lack of real estate history. So now consumers are being penalized for lack of real estate. Is it not my right to establish real history when I'm ready so why would the bureaus even list that reason to a creditor.
It seems the credit bureaus in my opinion are reporting either non-pertinent and/or irrelevant details to banks and lenders. How is this fair to a consumer.
As a consumer, we are already at the mercy of lenders because we do not know what scoring model they will use until after we have already applied with them. Why are different scoring models created every single year that lenders are not obligated to use. How do consumers know that some lenders are not using these older models that would make it difficult to approve credit for mortgages etc toward a certain class of people. Per my own research, even more consumers would benefit from scoring model 8. However, some lenders are still using Fico 3, 4 and, 5 ; the ones that would obviously produce higher denials due their terms. How is it fair or how does it make any sense at all to have over 6 different credit scores because lenders all over the place are using different scoring models.
The reason I am submitting these inquiries is because their are several consumers that have these same concerns but have no idea who they can talk to for answers or concerns. People don't understand why certain things they are doing or not doing for that matter could be affecting their score. When you have over 90 % alone of on time payment history, why would you not have at least a good credit score. Oh but you do have a good credit score ; but only when certain scoring models are being used.
Why are so many things being factored in credit scoring now that have nothing to do with how a person would pay their debt. If I have a $ XXXX credit limit, its not recommended that I use more than $ XXXX of it if I don't want to see a decrease in my credit score. Or I need to be able to pay that balance off in 30 days to see my score increase. Maybe a certain class of people can pay off in a months time but not every consumer can and it most certainly is not the expectation consumers are given when they apply.
How do these things make sense to a consumer when all that consumer can understand is why did you give me this credit limit if I couldn't use it at my discretion. To sum this up, when did it stop being about payment history and about everything else pertaining to how the consumer is managing their own accounts instead? How do we as consumers know we are not being discriminated against per our race to keep us from being able to obtain certain things. I really hope these matters can be looked into or if possible can you please can you refer me to an entity that can address some of these consumer concerns because at this point I have the right mind to start sending my concerns to news outlets just to get some answers. Thanks,
03/23/2018
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Unauthorized transactions or other transaction problem
NY
11427
Web
I purchased a website development service from a website development company called XXXX XXXX XXXX on XX/XX/XXXX between XXXX and XXXX EST. The merchant informed me that I would receive the completed website and files I paid for in a few days to 1 week time period. After 10 days had passed, I informed the merchant I wanted a refund because it was well past the delivery period of 7 days, and the merchant apologized and informed me that they need more time. I told them I must get everything I paid for no later than XX/XX/XXXX. On XX/XX/XXXX, the merchant was still not able to provide me a completed website or even send me the files as promised in the invoice. I filed a chargeback with PayPal Credit within the resolution center of my PayPal account against the merchant on XX/XX/XXXX for item not received. My chargeback was denied on XX/XX/XXXX because of the reason that " Quality of the product and/or service is subjective. No evidence that the product and/or service was misrepresented ''. To clarify any confusion, I immediately called the PayPal disputes department and clarified that my issue was not concerning the quality of the website, but rather that I did not receive a completed website and associated files from the merchant. In other words, I only received partially delivered service from the merchant as far as my website development is concerned and absolutely none of the files the merchant was supposed to send me. On XX/XX/XXXX, I requested that the case be changed from " item not received '' to " item not as described '' which according to PayPal 's own definition means receiving an item or service significantly different from the seller 's description or partially received item ( s ) or service ( s ). I was instructed by PayPal dispute representatives to send all evidence to XXXX which I did. Once I sent my evidence to this e-mail address, I then called PayPal and it was confirmed by PayPal representatives that they received my files and will be forwarding it to the back office that makes the decision on chargebacks. I received an e-mail from PayPal on XX/XX/XXXX informing me that my case was denied because PayPal claimed " there was no evidence to suggest misrepresentation ''. I became frustrated and called PayPal again and told them I did send in all the evidence that they could possibly need and that representatives prior to the decision on XX/XX/XXXX informed me that they RECEIVED as well as FORWARDED my evidence to the back office. PayPal still suggested they don't see any evidence. I told them to look in their inbox and they will find the file. The representative locates the file and this is the first time someone directly uploaded the necessary file onto my case. In other words, I was able to see it as an uploaded file in the Case and Document history within the Resolution Center of my PayPal account. Between XX/XX/XXXX and XX/XX/XXXX, I decided to work with the merchant again to come to terms of getting a refund but the merchant informed me it did not make financial sense for them to issue a refund since they had to spend time defending themselves to PayPal. The merchant also told me that they did not have the time or money to finish the website for me, and instead the merchant would give me a cheaper alternative that I did not agree to or pay for. The merchant said a refund was completely out of the question. I decided that the merchant was not willing to come to any sort of resolution and on XX/XX/XXXX, I filed an appeal to PayPal 's XX/XX/XXXX decision and asked a disputes manager to upload the very important file containing all the compelling evidence labeled " compelling evidence presentation for dispute.pdf '' onto the case. The manager reviewed the file and agreed that the file clearly showed that the website was incomplete, and agreed that it was compelling evidence. Today XX/XX/XXXX, I received an e-mail from PayPal that my case was denied because they have found no evidence that my item was misrepresented. This is absurd as I have records that my evidence was uploaded directly onto the case itself showing pictures that the website is incomplete and that I did not receive any of the files promised by the merchant. Every single PayPal disputes representative that I spoke to confirmed that the evidence in the " compelling evidence presentation for dispute.pdf '' file is considered compelling evidence and clearly shows that the website is incomplete. I just don't know what is going on behind the scenes at PayPal but they are either not opening the files or not properly reviewing the evidence. It is not fair that the merchant should keep my {$590.00} without fully delivering the services I paid the merchant for.
11/29/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
DC
20008
Web
Dear Sir or Madam : After repeated phone calls to XXXX XXXX attempting to resolve this matter, I am now formally requesting in writing that all erroneous fees charged by XXXX XXXX be refunded, that my XXXX XXXX ( XXXX ) XXXX XXXX account balance be returned to XXXX, and my account closed. I bought several items in the XXXX XXXX XXXX XXXX located in XXXX XXXX in XXXX DC in XXXX XXXX. Because I did not have my card physically with me at the time of purchase, the employees at the store looked up my account number, billed the items to my XXXX XXXX XXXX, and assured me I would receive a statement in the mail when my bill was due. I never received a statement in the mail. Nevertheless, on my bill due date ( XXXX ), I made a payment online for the FULL AMOUNT THAT I OWED, which was {$83.00}, for items purchased in XXXX XXXX XXXX. I was not credited for this amount until XXXX XXXX, XXXX, at which point I was charged a late fee. I can not explain why this payment was not immediately processed by XXXX XXXX, but have XXXX, XXXX, and other comparable credit cards, and have NEVER had ANY ISSUES whatsoever with either i ) fees, nor ii ) the processing date of my online payments. I received an e-mail ( not a billing statement ) in early XXXX XXXX stating that my payment was due. Because I had paid ( in full ) the entire bill in XXXX XXXX, I called XXXX XXXX XXXX, XXXX XXXX, on XXXX XXXX, XXXX. At this point, I was informed I owed a balance on my account, consisting only of two late fees that had been charged on my account. I told the XXXX representative that I had paid my bill on time, and asked them to refund the late fees charged. I also updated my mailing address and explained that I had never received a statement in the mail informing me of my bill due date as I was promised in the XXXX XXXX XXXX store. The representative refunded only one ( 1 ) of the erroneous late fees on my account. She was rude, unhelpful, and dismissive of my concerns. She stated that XXXX was by law only permitted to refund one late fee. I asked the representative to provide me with the law or statute that stating this, and she had no response. I stated that by acknowledging one of the late fees was in error, it was non-sensical to refuse to refund the second, which was incurred allegedly because I did not pay the first late fee ( WHICH I NEVER OWED ). After I asked to speak to her supervisor, the representative placed me on hold for over ten minutes, and then ultimately hung up on me. She was dismissive of my concerns, even though I stepped out of work to call her, and was on the phone for over 20 minutes. She made NO EFFORT TO CONTACT me back, nor to resolve this issue. Because the representative only refunded one late fee, this still left a balance owed on my account ( due to the second erroneous late fee ), which has continued to accrue additional fees each month. I called XXXX XXXX XXXX ( XXXX XXXX ) again on XXXX XXXX, XXXX, and spoke with a supervisor, XXXX ( Employee ID : # XXXX ). I repeated my request that my account balance be brought to XXXX, but XXXX informed me that he lacked the authority to refund the fees in question and requested that I send a written request to the above address. I sent a secure message through the XXXX XXXX XXXX XXXX message portal on XXXX XXXX, XXXX, and also submitted a complaint through the Consumer Financial Protection Bureau on XXXX XXXX, XXXX. I also sent ( via US Mail with tracking ) a letter reiterating my request that all fees be refunded by XXXX XXXX on XXXX XXXX, XXXX. I will not be paying ANY ERRONEOUS FEE to XXXX XXXX which is clearly in error, both because I was not credited timely for my payment, and also because I never received a bill in the mail for my XXXX XXXX purchase informing me of my bill due date. XXXX has been rude, utterly dismissive, non-communicative, and utterly opaque about how and why anything is owed, and why they can not refund the fees which were mistakenly charged. I ask FOR A FOURTH TIME that XXXX XXXX to please refund the erroneous fees assessed to my account, return my account balance to XXXX, and close my account within ten ( 10 ) days of receipt of this letter, or no later than XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX has been uncooperative and unhelpful, despite repeated my repeated telephonic and electronic messages, and letter sent via US Mail. XXXX SHOULD ALSO IMMEDIATELY REMOVE ANY NEGATIVE INFORMATION FROM MY CREDIT REPORT. Finally, a letter memorializing that XXXX XXXX has removed negative information from my credit report should be sent to me via US Mail. Please feel free to contact me if you have any questions. Thank you very much for your prompt attention to this matter.
02/11/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MS
39466
Web
Servicemember
On XX/XX/2021 I submitted an electronic payment in the amount of {$80.00} for my credit account with Victoria Secret ( Comenity Bank ). I processed the payment using Comenity Bank 's automated phone system using my personal checking account I have with XXXX XXXX. Before Comenity Bank processed my payment of {$80.00} using my checking account the following terms were read by the automated system : " Payments made over the phone that are received by XXXX XXXX EST will be processed the same day, payments made after XXXX XXXX EST, will post the next business day. '' After I confirmed and agreed to Comenity Bank 's terms and conditions the {$80.00} payment was processed and I was given a confirmation number for my financial records. On XX/XX/2021 I logged into my XXXX XXXX account online and saw in my recent transaction history the {$80.00} payment to Victoria Secret/Comenity Bank already processed and posted to my account. It was not until around XX/XX/2021, when Comenity Bank contacted me regarding the account payment due on XX/XX/2021. After giving the amount I paid ( {$80.00} ), the date the payment processed ( XX/XX/2021 ), and the confirmation number ( XXXX ) once the payment was processed successfully ; the Comenity Bank representative, XXXX, stated the confirmation number was not sufficient enough that I would need to also provide my bank statement reflecting the {$80.00} payment. Disagreeing with the representative, I decided to go online and login to my XXXX account and view my transaction history for all of XX/XX/2021. Reviewing the transaction history is when I noted the transaction no longer reflecting in the transaction details as it did when I checked my checking account on XXXX XXXX, so I called XXXX XXXX. I spoke with a XXXX Banker by the name of XXXX, who told me that the payment did go out to Comenity Bank, but because my recent deposited check was still pending, my funds were not available at the time the payment was sent to Comenity, which was returned to XXXX, with no record of the returned payment as well as {$80.00} showing credited back to my checking account. I explained to XXXX that I get paid XXXX by Veterans Affairs and that my funds are never on hold or pending deposit to my account an additional two or three days after the first day of the month, which to my knowledge and understanding the way direct deposits are made by the VA have not changed or updated, therefore causing more concern for the vulnerability of my identity, finances, and most of all privacy. Around XX/XX/2021 I received in the mail, my statement for the Victoria Secret credit account due on XX/XX/2021. While reviewing the statement I noticed a few things. 1. The payment of {$80.00} showed as processed on XX/XX/2021, following that the payment was returned on XX/XX/2021. 2. In the category " Other Debits '' there is a charge of {$80.00}. 3. In the interest portion of the statement the terms and details are explained on how they charge interest, specifically noting that each balance on the account is charged interest separately. To my knowledge and understanding I only have one account, one card, one user ( myself ) authorized on the account how there are three different balances reflecting on my statement, with three different interest rates being charged, when I found on previous statements only one balance being charged interest. After reading how Comenity Bank calculates the APR interest rate using the " Daily Balance '' method and the " Average Daily Balance '' method which are both termed as they are both one or the same. In regards to the terms and conditions of payments that is noted by Comenity Bank on the monthly account statements state these words exact : " NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution.
However, no customer service agent from XXXX XXXX or Comenity Bank can tell me where or who the payment for {$80.00} returned to, and why it never reflected back in my personal checking account balance or in documents regarding returned checks. Having no help from either business, I am hoping to find out and regain control of my compromised finances and have answers that are not contradicting of the terms and conditions of the financial institutions as stated.
04/22/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
IN
46239
Web
This is in regards to my Wayfair/Comenity Bank account. Ever since I opened this account, I have had problems getting bills sent to me, checks returned to sender, etc. On XX/XX/XXXX of 2019, I contacted them trying to figure out what I needed to do to get the account current and what steps to take to get the account paid off. The representative I spoke with told me that I needed to make a {$250.00} payment, then go on a {$80.00} per month with XXXX being the last payment to pay off the account. I had asked about the interest being added and I was told no, not as long as I was on the plan I would be fine. I did exactly what I was told! The interest from my XXXX plan was still added on XXXX {$460.00} XXXX and the account had a {$770.00} balance in XXXX due to interest and what not being charged. I called them in XXXX, that was the first bill that actually made it to my house, when I saw it. Talked to a supervisor and was told that he would have to find the call and assess the situation and would be contacting me in 24-48hrs. I waited 7 days before I called back, left messages, nothing ... Talked to another supervisor in XXXX and got the same exact solution, they need to find phone call and will get back with me .... again nothing! Got my next bill in late XXXX and I was livid. I called them again and finally got in touch with a supervisor named XXXX Told him the situation and he immediately looked and found the phone call that took place on XX/XX/XXXX ( I was shocked and even asked why everyone had such a problem finding it, etc., he couldn't explain ). He listened to it XXXX which is about a 9 min phone call ) understood exactly my frustration and said it looked like a misunderstanding between the rep and me in the intial conversation and she didn't realize I was on an 18mth plan, even though my account was right in front of her when she was talking to me. He said there wasn't anything he could do on his end but to contact Comenity and they would be able to take care of it. I've had multiple conversations with Comenity on this issue and have been given multiple different stories. I thought doing a dispute would freeze the account but after multiple calls of disputing the account, i was finally told I needed to submit a " formal '' dispute that would shut down the account until it was resolved. Why I wasn't told that originally, i have no clue, but not surprised. Thought that was initiated in XXXX when this first started but apparently not. I talked to one supervisor and she was the rudest person I have ever talked to and is what brought me to seeking help from an outside source. I was told by her that it doesn't matter what a representative tells me over the phone or what arrangements we set up, it is null and void and the original contract is what is valid. How is that possible? If that was told to me to begin with, this account would have been payed in full before the 18mths was up. Is it a plot to get the interest by just lying to the consumer, making them believe one thing is going on just so this can happen?! The last person I talked to told me he understands my frustration and apologizes and may be able to wave the late payment fees, the amount of {$220.00} ... what?!? He also told me that the employees that handle these situations are not properly trained for this and don't always know about the various interest fee plans and how they work and that is an area they need to work on. I get it and I also understand that people make mistakes, but how am I liable for their mistakes, how am I responsible for their lack of training on certain situations. How am I supposed to know that what I am being told isn't valid. I have worked at other companies and if we make a mistake, it is on our company, not the consumer. The last supervisor that I talked to on Monday assured me that he would contact me at XXXX on Tuesday to discuss what his manager said would/could be done. no phone call per usual! I did get the notice from XXXX XXXX on Tuesday telling me that my credit had dropped XXXX pts .... due to the Wayfair account!!!!!
They have all phone calls recorded and pages of notes on this account logged.
I'm at a loss of words and ideas on what to do and am tired of being on the phone with them for hrs at time every time we actually do talk. I have reached out to a cpl of friends of mine that are in law and they have told me to reach out to you for help.
I have attached screenshots of the " secure message '' conversation. as stated before, they have a record of all calls and comments that have gone on with this situation.
Thank you for your time and patience XXXX XXXX
08/14/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
OH
44143
Web
I applied online for an XXXX reward credit card XX/XX/XXXX, which XXXX XXXXXXXX XXXX services. I was notified immediately online that the application was accepted and I should expect my credit card soon. The card arrived XX/XX/XXXX, I activated it but could not make a purchase. I called customer service and was informed that on XX/XX/XXXX, XXXX XXXX XXXX closed the account and the reason was ; " Number of recent inquiries on your credit report. '' The credit was based on a report from XXXX which at the time of my request for credit, I had a credit score of XXXX, which is considered exceptional. After applying for credit with XXXX XXXX and the subsequent closure of the account, my score dropped to XXXX. I can only attribute the denial of credit by XXXX as the cause of the drop in my credit score.
I have no outstanding bills, all my credit cards accounts are fully paid every month and have been accidentally late maybe 2 or 3 times in the last 5 years because of errors in initial auto-payment setup and posting by credit card companies XXXX XXXX based their initial credit approval on credit reports they obtained XX/XX/XXXX. Why deny the credit 7 days later?
XXXX did't tell me why the terms of the account were made less favorable 7 days later even though my credit score still remained excellent.
XXXX XXXX could have lowered my credit limit and still retained a new excellent XXXX credit score customer, instead they chose to grant credit for 7 days then closed thre account and denied me credit altogether!
I communicated with XXXX by web interface using a secure message center and sent a PDF letter of reconsideration to XXXX XXXX XX/XX/XXXX. I received the following answer : " We've received your information and it's currently being reviewed. For future disputes if you would like to be protected under the Fair Credit Billing Act your dispute would need to be in writing. Please refer to the back of your statement for additional information. Please be assured that we will work diligently to resolve your issue. Upon completion of our investigation, we will notify you of our findings. While we investigate whether or not there has been an error, we will not try to collect the amount in question or report you as delinquent on that amount. We appreciate your patience while we are conducting our investigation. '' The answer mentions the Fair Credit Billing Act, but the issue has noting to do with billing!
The answer mentions that a dispute would need to be in writing. I disputed nothing having to do with billing and the message had an attached PDF file.
The answer mentions that the information is being reviewed, but nothing about how long the review process would take.
Of course during their investigation they will not try to collect the amount or report a delinquency. There was no transaction dispute and nothing to collect or report.
The email reply lacked the " human '' touch and appears as if it was a " canned '' reply to any first contact email.
The next secure message on XX/XX/XXXX informed me that the dispute was closed and to follow the directions in their first notice.
On a recorded line I spoke to a Bank Card supervisor named XXXX XX/XX/XXXX or XXXX where XXXX provided the following mailing address for my correspondence : XXXX XXXX XXXX Credit Bureau Disputes XXXX XXXX XXXX, OH XXXX I mailed the same PDF file reconsideration letter to XXXX to the above XX/XX/XXXX.
The final chain of message from XXXX from the secure message center arrived XX/XX/XXXX acknowledging receipt of my ODF file for reconsideration.
I received the same notices by US mail about the XX/XX/XXXX. One of the notices states that they have my claim and are " currently researching it '', then it request that I allow 90 days to complete the investigation.
What could possibly take 90 days to investigate. The information is all online, quickly accessible and I still have an excellent credit score of XXXX from XXXX XXXX. So what's there to investigate?
During my lifetime, of all the credit card companies I have ever applied for credit, there is never been another company that has denied me credit after accessing my credit reports, except for XXXX XXXX XXXX.
XXXX XXXX XXXX also closed one of their prior account somewhere late XXXX or early XXXX and now again in mid XXXX.
I had an excellent credit score of XXXX as of XX/XX/XXXX. I believe, that because I am from a certain ethnic diversity that XXXX XXXX XXXX does not welcome, after XXXX investigated the information they received from my credit reports, I was discriminated and prejudiced and was denied any and all credit.
11/15/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TX
77008
Web
Comenity bank has refused to correct a negatively reported item to the credit bureaus despite multiple phone calls, acknowledgement that it should be removed, and attempts in writing to them and to the credit bureaus to have it corrected since XXXX. They reported a past due balance that XXXX XXXX had agreed to refund after they failed to deliver furniture that was not damaged, did not refund my return for more than 3 months, and did not follow the terms and conditions of the credit card rewards program and I had to forfeit more than {$700.00} of reward dollars that were due to me. Comenity Bank agreed that I should not be responsible for the balance due and that it should not be reported negatively as did the XXXX XXXX store manager who assisted with the issues.
After discovering in early XXXX that the issue had still not been corrected, I filed a dispute with XXXX to have the account corrected. Instead of correcting the issue, Comenity Bank closed my account selling the debt of {$320.00} due from XXXX XXXX to XXXX XXXX and now refuses to provide documentation required to correct the negative credit item. I paid XXXX XXXX the balance due even though XXXX XXXX agreed they owe it and never refunded the amount to me. XXXX XXXX advised that they can not provide documentation or correct the credit reporting item because they did not own the account when it was reported.
I have repeatedly asked Comenity Bank to provide the letter they have verbally read to me during multiple recorded phone calls with their customer service managers which reads that they find me not responsible for the account and that it should be removed. I have tried for more than a week over hours of calls to obtain a copy of this letter to provide to my mortgage lender due to the negative impact it's having on my ability to get a good rate on my home loan. Comenity has repeatedly told me they would fax it, email it, provide a written copy and every time they have provided nothing. I am entitled to the letter to address the negative item they have reported and they refuse to provide it stating that their internal policies prohibit them from faxing or emailing or mailing me that information because they " no longer own the account '' however the credit bureaus and my lender both say Comenity must provide this information as they owned the account and made the report to the credit bureaus while they owned it. Comenity has produced the letter, read to me over a recorded phone call, but refuses to provide a copy to me.
Summaries of these recorded calls XX/XX/XXXX ( 57 minutes ending at XXXX CT ) - manager Ms XXXX , stated the fax requests were cancelled because " comenity bank no longer services the account '' and tells me she can only call the fax department and request an account status change, they could not provide a copy to me any other way and couldn't guarantee when that would actually happen.
XX/XX/XXXX ( 56 minutes ending at XXXX CT ) - manager XXXX , stated he put in a request for a faxed letter that would be received within 1 to 4 hours. No fax received.
XX/XX/XXXX ( 27 minutes ending at XXXX CT ) - manager XXXX , stated he would request a letter to be faxed and look into why my account online had not been opened. No fax received and no change to online account access.
XX/XX/XXXX ( 10 minutes ending at XXXX CT ) - manager XXXX , requested her to read over the phone ( recorded ) the contents of the letter which states Comenity bank has found me not responsible for the negative items reported on the account and that they would be requesting the credit bureaus to remove the account. Could not provide a copy of the letter.
XX/XX/XXXX ( 2 hours ) spoke to manager who stated they were putting in a request for a faxed letter, mailed letter and also a request to unlock my online account which should take 72 hours to be unlocked so I could access the letter stating I was not responsible for the negative reported credit bureau item. No fax was received, online account access was never restored.
XX/XX/XXXX ( 1 hour ) spoke to manager who stated Comenity Bank did try to correct this with credit bureaus ( however it is still reported by all three credit bureaus ) and that they could only email me a copy of the letter through the secure message center ( email ) however my access to the secure message center has been blocked by the account team since my account has been closed.
XX/XX/XXXX ( 1.5 hours ) spoke to a customer service representative and a manager who stated they could issue me a letter that stated I was not responsible over email. I never received the email.
07/26/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
91108
Web
CFPB, as it mostly only assists connecting with companies to respond, need it to get Comenity to directly respond about the concerns already brought to its attention since XXXX so, it was not as Comenity had not known concerning it. As workers refused to connect me to the appropriate worker working on this, going through CFPB to get its response ; as CFPB as a federal agency, able to get most companies to respond ; though its just to respond, with no oversight of regulations, unfortunately. Anyways, it should have no need of any occasion as it had been ensuring that it inappropriately does not resolve any concerns since XXXX so, it has been plenty enough additional times. Its not necessary for it requiring additional time to conduct its investigation that goes no where.
Had it been truly thorough or extensive, it would contact me or provide a worker for me to connect when they requested In order to resolve and/or investigate the concerns, we need the contract provided from the merchant, true? Where do i provide such requests to at Comenity? How do i let it know that it needs to contact XXXX for its desired contract, as XXXX had been ignoring avoiding any requests i ask it for, also i have been unable to call through to any worker, same as Comenity, unresponsive with no worker contacts so, unable to obtain any contract so, Comenity needs to get it itself from XXXX, not from the clients. This was where the matter was wrong. Had i been able to communicate with XXXX, would i seek Comenity to handle the fraud charges?
Prior to its irresponsible denial, Comenity refused proper responsible assistance to its clients by denying clients rights by asking for more detail descriptions of the charges with XXXX, which were provided many and countless times, it now denies clients rights again, using the ploy of needing the contract so to assist? Why it did not seek this years ago? XXXX year.
Does it truly apologize for any inconvenience? Or this is just its methods of providing its other deceptive practices of not truly resolving clients concerns? It provided no responses ever prior to letting CFPB knows. we'll provide our response immediately upon the conclusion of our investigation Without letting a federal agency know, Comenity never concludes any of its investigation. It shows. From years ago. XXXX year. Kindly CFPB, actually enforce financial places such as Comenity, instead of letting it off. Hold its workers responsible, not just allow companies senselessly Company 's Response, which are useless with all of the concerns still all unresolved ; as shown, as revealed. The CFPB is an independent federal agency built to protect consumers Otherwise, this whole government agency stuff is truly useless and meaningless truly.
Comenity Workers, your previously letters of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting additional information that your in need of, has already been provided many times, online and telephone calls. Though you received your desired information, your further researching of the concerns gets no where, just with asking for the same stuff. How much the same additional information can be provided? truly. Your research gets no where, you are happy to refuse the return of the funds. Also, you offer no fax numbers or e-mail addresses to provide your repeat additional information to you, also, no worker to contact that handles the concerns. Besides the postal mails, your online acct log-in had been unable to contact to the department of worker working on the concerns. Again, here are the same additional information that you desire. XXXX XXXX connected me with XXXX XXXX. Already mentioned previously. Repeat here again, This company supposedly provided repairs to homes as warranty. When using its services, requested claims, they would not respond. Tried reaching them through e-mails, telephone calls with no responses. Then, contacted them to cancel as they were not providing their services. Unable to cancel as they wont respond. XX/XX/XXXX called with e-mails. XX/XX/XXXX {$2200.00} XXXX falsely advertising coverage services which none were ever provided. Contacted through e-mails and calls many times. XXXX Worker XXXX did not call as mentioned. No other XXXX workers ever returned calls or heard from as arranged. XX/XX/XXXX requested cancellations for return of the funds.
Again, provided to Comenity. Comenity has not provided any assistance with this, delayed years. Now XXXX. Any more repeat information, you may contact me through the contacts that you have on file with me.
Close Comenity. XXXX close credit card
01/19/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NC
27253
Web
Servicemember
During our trip to the mall in XXXX, NC, on XX/XX/XXXX we visited the XXXX XXXX retail clothing store. My wife picked out several items and when we arrived at the checkout counter, the cashier presented us with the offer to save 20 % for simply applying for a store credit card. We decided to apply and once approved we checked out. The cashier provided our receipt of purchase, along with a brochure and another receipt with the information for our newly open store credit card.
In mid-early XXXX, I can't recall the specific date. I attempted to check the status of the account using the materials provided by the cashier the day we originally open the account. We had not received a statement or a physical card. I tried to call to check the balance, as well as the link for online payment and found that I couldn't access the account without the XXXX card number. The receipt provided at purchase did not provide this information, so we couldn't use that. Once I realized that I wouldn't be able to access the account or make a payment, I reached out to customer service via the number written on the brochure. After working through the automated service, I eventually was able to make contact with a customer service representative. Once I explained what we had been trying to do, the representative recommended on the issue a new card. When I asked about making a payment, he said that I would need the card number to make a payment over the phone, but he assured me that the first statement wouldn't be due until XXXX. When we received our reissued card in the mail, shortly we went online to make a payment. After gaining access, we were able to see that the payment was due on XX/XX/XXXX, it was XX/XX/XXXX. We paid the balance in full by providing our checking account information. Today, XX/XX/XXXX, I went online to check the status of the account and noticed a late charge applied in the amount of {$29.00}, which was post-dated XX/XX/XXXX. When first accessing the account this charge was not there. Additionally, the account balance was showing an applied interest to the late charge of {$2.00}, dated XX/XX/XXXX. I don't know that I was surprised, but I wasn't worried due to the circumstances. I then proceeded to call customer service again in an effort to get the charges removed. I made contact with a representative named XXXX, he didn't offer any other information that could identify him, as the last name or employee #. I explained to him the circumstances, letting him know that we had attempted to pay the balance weeks prior, and due to the process where we had to have the XXXX card number we couldn't make payment. I asked if he could remove the additional charges, he said he would check. He came back and said that I didn't qualify. I don't know what the qualifications are, but to ensure that he understood the situation accurately, I explained again the attempts we made to make payment. He continued to tell me that the charges wouldn't e removed because it was late, even though I called and tried to make a payment. I see these as reasonable circumstances, being that even though I attempted to make a payment week in advance, their way of processing payment didn't give us the opportunity to do so. I understand the need for a business to have established processes in receiving payment, but there should be a process in place for a new customer to make a payment even if they have received a card in the mail. Someone making a payment or paying off a balance wouldn't be an indicator of fraud. I don't see this as an issue on that where the consumer should be responsible for a late payment because they didn't have a workaround or alternative process in place for making payment. It should be the responsibility of the business to make efforts reasonable for the consumer to make a payment. If the processes that they have in place make it difficult or put the consumer in a position that they make a payment until a later time, then the business shouldn't put the responsibility on the consumer. I understand that late fees and charges are part of their business model, but if the consumer makes a reasonable, early, and effort to make a payment and can't, then the consumer shouldn't be responsible for a late fee. Either way, I attempted to make a payment week in advance and was told to wait due to their process. When I was able to make payment, I did and should not have been subject to any late charges. Coincidentally, the payment was due by XX/XX/XXXX and when I finally gained access to make payment through their online service, it was XX/XX/XXXX.
04/16/2021
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Contacted you after you asked them to stop
NY
10453
Web
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern, I have reached out to you several times and have ask that you do a proper investigation and provide me with the proper documents of alleged debt.
Till this day you have not done so and have refused to do so.
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate these items. My previous letters- all sent certified mail- stated my reasons for an investigation and these reasons were not frivolous in anyway.
I believe your company has violated several of my consumer rights. Specifically, you : -Failed to validate a debt at my request- FDCPA violation -Continued to report a disputed debt to the CRA- FCRA violation -Continued to attempt to collect a disputed debt- FDCPA violation -Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character.
The FCRA has a penalty for filing any lawsuit or subsequent court papers that are later determined to have been filed in bad faith or for purposes of harassment.
I can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA.
A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA.
This letter will again request that you follow the FDCPA and provide the following : I do mean all 7, request.
Validation of Debt Request - Proof of your right to own/collect this alleged debt.
- Balance claimed including all fees, interest and penalties.
- Contract bearing my ACTUAL personal signature ( Not a Computer Printout ).
- License proof to collect debts in my state.
- A credit agreement signed by me and you.
- Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor.
- Copy of my NYS Photo ID which is required to open this type of account.
This letter is your notice that I dispute the above referenced debt.
This is not my account. I do not owe this balance. I did not open this account. This account was opened without my consent or knowledge.
I request that you verify this account with all pertinent information, including the original creditors identity principal amount, late charges, interest, and collection costs that have been assessed.
Lawyers have ethical responsibilities to their clients, the courts and others that are identified in the New York Rules of Professional Conduct. I feel you and your attorneys have violated my rights and I will defend me and my family by all LEGAL means.
A copy of the Rules may be found at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
If a lawyer meaningfully violates a Rule of Professional Conduct, he or she is subject to discipline administered by a governmental agency affiliated with the court system.
When you believe a lawyer may have violated the Rules of Professional Conduct, you can write a letter to the appropriate Attorney Grievance Committee at Copies of this notice will be sent to all the proper agencys including the ones listed below.
ATTORNEY GRIEVANCE COMMITTEE Supreme Court, Appellate Division First Judicial Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX Chief Attorney Departmental Disciplinary Committee Supreme Court, Appellate Division First Judicial Department XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX The Fair Credit Reporting Act ( FCRA ) is a federal statute that protects consumers from any dishonest or immoral credit reporting agency or entity. It promotes accurate reporting, the privacy of sensitive information, and also allows you to pursue compensation for any violations.
I will also be checking my credit report to see if you have willfully reported an unverified and disputable alleged debt to the credit bureaus. If so, that will be a violation of the Fair Credit Reporting Act. I will state again If I receive anything other than absolute proof that you removed all marks and comments from my credit file, I will assume you are harassing me and ignoring my letters and I also will be sending copys of this to my State Attorney General, CFPB, XXXX, and the XXXX XXXX XXXX.
Thanks XXXX XXXX
12/08/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
TX
78758
Web
I opened an account with XXXX around XXXX of XXXX because I was planning a trip to XXXX this summer and thought it would be beneficial with earning points, getting discounts etc. I logged in and made my first payment for XXXX XXXX with no issue. I have many credit cards and department store cards and all of them I immediately set up on recurring payments. I assumed that I did the same on this card and was surprised when I received a phone call in late XXXX that I was behind on a payment. I explained what had happened to the agent and escalated to a supervisor who advised that this card does not have the function to set up recurring payment but could set them up for a month or two in advance that would be the extent. The supervisor agreed to waive the late fee as a courtesy which I appreciated. She explained that she could set up the next two months of payments and I would not have one due for XXXX since I was paying after the due date for XXXX which left me thinking XXXX and XXXX were set up. I did not hear anything from anyone in XXXX or XXXX so I assumed everything was on schedule. Again received no phone call in XXXX but I decided to log into my account in XXXX XXXX XXXX/XXXX/XXXX XXXX to set up the upcoming payment in XXXX or at least so I thought. I log in to see that the account is past due as of XXXX/XXXX/XXXX and my balance is {$440.00} I am confused at this point and beyond frustrated. I go ahead and go to make a payment and pay not the statement balance not the minimum balance but the current amount due which is reflecting {$440.00}. I scheduled the payment and try to be diligent and re-log into my account late XXXX after confirming amount had cleared my bank account. My account is showing ZERO balance due ZERO minimum due. I thought GREAT I do not have to worry about this card any further and I will call in after holidays to officially close the account since XXXX/XXXX/XXXX was a holiday weekend but there should be no further issues. On XXXX/XXXX/XXXX I open a statement from XXXX XXXX thinking I would see the statement to confirm zero balance to only be surprised that I now owe XXXX which is late fees {$30.00} and interest {$8.00}. I reached out to the company thinking this has to be a mistake. The interest I can understand something that can happened even after payoff but the late fee where did that come from I did not see it posted to my account and I paid current balance due. First off after calling XXXX and speaking with XXXX and going over this and explaining I would like to resolve this matter and avoid filing a complaint. She places me on holds and then transfer me to I believe XXXX who was unaware of the reason for the transfer. She escalates me to XXXX who is a supervisor and proceeds to tell me that the late fee was for me being late on XXXX/XXXX/XXXX and my payment was not made until XXXX/XXXX/XXXX. I explained the confusion again and that I paid the current balance and she questions my intelligence asking did I realize which box I was looking. I replied I was aware of the differences in statement balance current balance etc. After further research she explains the late fee does not post until after the closing date which for me would be after the XXXX. So when I logged in on XXXX/XXXX/XXXX the late fee was not posted but would be and when I re-logged in XXXX/XXXX/XXXX the late fee would still not reflect until the next day. So this company does not allow you to set up recurring payment and then does not reflect a late fee as soon as it happens it will show up after the closing statement. It seems this company does not allow recurring payments as most cards do in hopes of collecting late fess and then when you want to pay off your balance if you do not know that late fees will post until after X date which could then again have you run into not paying something you thought was already done. Had I not opened my statement on an account I thought was paid in full I would have not see there was anything to be paid by the due date of XXXX/XXXX/XXXX and they would have gained another late fee. This is by far the worst card I have dealt with. Most cards in my experience if you incur a late fee it is posted by next day and almost all allow for recurring payments to set up. It comes across as if they are hoping for their customers to fall in these loop holes. I cant even use the point or whatever I have earned because I probably will not be back to XXXX soon. The late fees is now showing on my account as is dated and posted as XXXX/XXXX/XXXX when it was not there on XXXX/XXXX/XXXX.
11/17/2017
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Charged fees or interest you didn't expect
WV
25712
Web
Information pulled from attached memo : I am writing in an effort to correct the predatory lending and payment application practices from PayPal Credit associated with my account. On XXXX XXXX, XXXX, I purchased a vacation online for {$2600.00} under a promotion of no payments and no interest for 6 months, which allowed me until XXXX XXXX, XXXX to pay the balance in full and avoid all interest and minimum payment requirements. At the time, I had two outstanding items on my XXXX account, another promotional item under the same terms in the amount of {$1800.00}, which was paid off on XXXX XXXX, XXXX just before the new purchase was made, and a {$75.00} purchase that was made on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I submitted a payment in the amount of {$75.00} to satisfy the single outstanding item associated with my balance, which would leave me with zero due until XXXX XXXX, XXXX under the terms of the promotion. There was no option for me using my payment method to directly apply my payment to a particular area, so a general consumer, as I did, would assume that the payment would be applied to the outstanding balance due, not any items that do not require a payment, such as the trip that was purchased under promotional terms. It turns out, however, that PayPal automatically applies the payment to any promotional purchase before applying the payment to the outstanding balance. As a result, my {$75.00} payment that was intended to satisfy my outstanding balance was instead applied to my promotional item, resulting in a minimum payment of {$27.00} that went unpaid, as I assumed that the non-promotional item was paid off and there would be no payment required. To summarize, I bought one promotional item and one nonpromotional item, made a payment in good faith before the due date to satisfy the nonpromotional item, and the payment was misapplied in a way that PayPal left me with an outstanding balance and minimum payment requirement that I assumed had been already satisfied.
Ten days following the incorrect minimum payment coming due, I reviewed my account and noticed an assessment of late fees and interest, as well as a larger minimum payment. I immediately called PayPal to correct the issue, I was told by a representative that the easiest thing for me to do was to just pay the balance required, even though this balance is outstanding and fees were assessed due to an error on the payment allocation. I was then told that a request could be made by the representative to the back office to solve the issue. I also sent a message via the PayPal Credit online portal in order to ensure someone received this request. I had received no further communication from PayPal and assumed that the issue was corrected.
This morning, I reviewed my account again, and discovered that the issue not only went uncorrected, but that additional late fees and interest were added to my account. Again, I immediately contacted PayPal. The representative once again was able to confirm that the issue was due to PayPal misapplying the {$75.00} payment, however she told me that the request to correctly apply the payment was denied as company policy requires that the customer specify where they want the payment allocated at the time of payment even though there is no option within the online portal to do so. As a result, I am left with an outstanding balance for an item already paid off for {$75.00}, as well as fees and interest totaling {$69.00}.
As a former bank examiner as well as a current banker, reallocating a payment is something that is a very quick and easy task, something that we do every day, so therefore it is unfair and deceptive for a company to deliberately apply payments in the way that harms the consumer so that they assume their payments will satisfy immediate balances due when they in fact automatically apply to items that do not require payment for months in the future. The company takes this a step further by refusing to correct misapplied payments if not requested immediately, which they make very difficult to do, and impossible to do online ( a reasonable consumer would assume that the company would make this an option online if they will require it since their business is done primarily via the internet ). The representative I spoke with today, even though she assured me that the issue was directly caused by a misallocated payment, also refused to remove any fees unless a payment was provided, which does not make sense considering there should not be a payment required at this time.
06/30/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
FL
32168
Web
Older American
In XX/XX/XXXX, a local company, XXXX XXXX ( XXXX ), was hired by us to install decorative cement curbing around our house ( Attachment 1 ). The work was warranted for one year ( Att 3 ). Construction was completed by XX/XX/XXXX, and XXXX was paid in full ( Att 4 ). By XX/XX/XXXX, four cracks had appeared in the curbing. At the beginning of XX/XX/XXXX XXXX repaired the cracks ( Att 5 ). Over the next few months, 10 more cracks appeared.
After repeated attempts to contact XXXX, which were not answered, finally XXXX responded on XX/XX/XXXX to a XX/XX/XXXX email of ours. It was agreed that the repairs would be made to the curbing in the Fall ( Att 6 ). Hurricane Irma prevented this, so the repairs were rescheduled for XX/XX/XXXX-XX/XX/XXXX. As this time neared, we repeatedly attempted to contact XXXX, but obtained no responses from them. It became clear that they were not going to honor their warranty.
We requested that the Florida Department of Agriculture, Division of Consumer Services contact XXXX about their lack of response. The DCS obtained no reply from XXXX by XX/XX/XXXX ( Att 8 ).
A complaint against XXXX was then filed with the XXXX XXXX XXXX. They also received no response by XX/XX/XXXX, after repeated attempts to contact XXXX ( Att 9 ).
A third complaint was filed against XXXX with XXXX XXXX ( in XX/XX/XXXX ). They also failed to obtain a reply from XXXX ( Att 10 ).
Finally, XXXXeniors vs Crime, a branch of the Florida Attorney Generals office was contacted. Repeated attempts by their office to obtain a reply from XXXX went unanswered ( Att 17 ).
At this point ( XX/XX/XXXX ) we decided to attempt to get a refund from ( XXXX ) the credit card company which we had used to pay XXXX ( Att 13 ). Via phone conversations, we explained our situation to them, as described in the above paragraphs. XXXX sent a form in which we could dispute the XXXX billing. We returned this, along with a package of support materials ( many of which are the bulk of the attachments that accompany these comments ).
By XX/XX/XXXX we received a letter from XXXX that our dispute of charge had been denied, since more than 60 days had passed since the billing statement containing the XXXX charge had been mailed. The warranty on the curbing work was valid for a year, so our position is that this supersedes the 60 day limit. Furthermore, it would be impossible to make a complaint while XXXX maintained for several months, that they would fix the curbs. We had no reason not to believe them. Additionally, XXXX customer service rep said that due to the circumstances of this appeal, the 60-day limit could be appealed. We were invited to submit further documentation ( Att 14 ).
On XX/XX/XXXX XXXX requested the filling out of a second form. We sent it in XX/XX/XXXX ( Att 22 ), along with a lengthy explanatory note ( Att 15 ).
No response was received from XXXX, so another letter containing a chronology of this dispute, along with documentation, was sent out on XX/XX/XXXX ( Att 16 ).
On XX/XX/XXXX we received a letter from XXXX that briefly summarized our billing dispute, and firmly denied it. In the next paragraph of the letter, the Dispute Resolution Team is said to be reportedly working to resolve the dispute. We found these statements to be incompatible ( Att 18 ).
A letter from XXXX, dated XX/XX/XXXX, stated that We previously received and responded to your ( the XXXX ) correspondence submitted to the Consumer Financial Protection Bureau regarding this same matter. However, we had not yet contacted the CFPB in any way ( Att 19 ).
On XX/XX/XXXX, we wrote a lengthy exposition of our case, and only now did we indicate that we will be taking this dispute to the CFPB since XXXX does not seem to be taking a responsible attitude toward a fair and honest resolution ( Att 20 ). This letter was sent to the XXXX Complaint Department, with a cc to the president of XXXX XXXX.
A letter from XXXX ( XX/XX/XXXX ) reiterated that their investigation has concluded, and that we should contact the merchant directly ; a meaningless recommendation, as they know full well, since we and four consumer assistance groups had tried this without success ( Att 21 ).
The cracks in the curbing, and the color inconsistency, are shown in a set of photos ( Att 23 Part 1 & 2 ). The last three photos show that the attempt to remove the red color of portions of the curbing by covering the dyed cement with a brown paint was not successful. This part of the curbing needs to be removed and replaced with properly dyed cement.
03/03/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Investigation took more than 30 days
CA
94066
Web
I sent a dispute to the credit reporting agencies on XX/XX/XXXX. According to the FCRA, credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy, ( Turner v. Experian Info. Sols., Inc. , XXXX XXXX XXXX, at *XXXX ( XXXX Cir. XXXX XXXX XXXX ) ; Peart v. Shippie, XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). At this time, Ive provided the information to the credit reporting agency on XX/XX/XXXX and they have failed to conduct that reasonable investigation which indicates a violation of the act ( Andrews v. Equifax Info. Serv., XXXX XXXX XXXX XXXX XXXX ( W.D. Wash. XXXX ) ).
In my dispute to the credit reporting agency on XX/XX/XXXX, I explained my dispute in detail and requested for an investigation to be conducted regarding the information on my credit profile. In my research, one court noted : [ t ] he standard of conduct by which the agencys action is to be judged is deeply rooted in the law of negligence : what a reasonably prudent person would do under the circumstances. ( Poore v. Sterling Testing Sys., Inc., XXXX XXXX XXXX XXXX XXXX ( E.D. Ky. XXXX ), citing Bryant v. TRW , Inc., XXXX XXXX XXXX XXXX XXXX ( XXXX. Mich. XXXX ), XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) ).
I want to see what that the credit reporting agencys procedures are reasonably designed to prevent inaccuracies, but also whether the agency actually followed its own procedures. ( Rothery v. Trans Union , L.L.C., XXXX XXXX XXXX ( XXXX Or. XXXX XXXX XXXX ) ). It is not enough that a CRA have procedures in place. The employees must follow those procedures in each and every report they prepare ( 15 U.S.C. 1681e ( b ). See Williams v. First Advantage LNS Screening Sols., Inc. , 238 F. Supp. 3d 1333, 1346 ( N.D. Fla. XXXX ) ( CRAs failure to following its own procedures for matching consumers with common names was evidence of willfulness ) ). The CRA must not just have reasonable rules, but the employees must strictly follow those internal CRA rules. ( Carroll v. Exxon Co., 434 F. Supp. 557 ( E.D. La. XXXX ). Cf. Smith v. Ohio Sav. Bank, 2008 WL 2704719 ( D. Nev. XXXX XXXX XXXX ) ( fact that furnisher ignored its own policy and procedure manual could raise issue of fact as to whether it conducted reasonable investigation ) ).
In Cahlin v. General Motors Acceptance Corp., the XXXX Circuit explained that a consumer satisfies their initial burden by presenting evidence tending to show that the CRA published a consumer report containing inaccurate data. Ive done this on XX/XX/XXXX.
Per the settlement with a multistate group of Attorneys General, ( Assurance of Voluntary Compliance/Assurance of Voluntary Discontinuance, In the Matter of Equifax Info. Serv. L.L.C., Experian Info. Sols., Inc. , and XXXX XXXX. , IV ( F ) ( 6 ) ( XXXX XXXX XXXX ) ), and supervision by the Consumer Financial Protection Bureau , the system was somewhat reformed, but serious deficiencies remain ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ).
In my research, according to FCRA 611 ( a ) ( 1 ) ( A ), the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file..... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Since I mailed the letter, Ive allowed 5 days for mail time to the credit reporting agency which would mean the credit reporting agency, according to my calculations, had until XX/XX/XXXX to provide their response to my investigation.
The problem that comes into play is that the bureau has never sent me proof that an actual investigation took place, nor did they show me their method of verification that I requested on XX/XX/XXXX. I also requested verification so that I can see what the credit reporting agency is reviewing before entering inaccurate information onto my credit report. Based on the lack of requested verification from XXXX XXXX XXXX, how are 1 ) they allowed to verify the accuracy of what they are reporting to the credit reporting agencies, when what they are reporting are inconsistent with the other credit reporting agencies and 2 ) how are the credit reporting agencies actually conducting a reasonable investigation when they dont have all of the required information based on my dispute?
07/07/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CA
95835
Web
THE EXPERIENCE : I had/have an account with Comenity Bank/ Virgin America 's Elevate program. Because of poor customer service, my impending divorce and move across country, I closed my account around the year XX/XX/XXXX, when I moved to XXXX from XXXX. I never updated my address with this creditor, because as far as I was concerned the account was closed. Last year, XX/XX/XXXX, I unexpectedly received a bill that had been sent to my XXXX address so I received it very very late. I called to dispute the charges : Card maintenance fee and Late fees for not paying the maintenance fee. I explained that it was my understanding that this card was closed earlier, and asked them to remove the fees and close the account. I was assured this would be done. Now it is XX/XX/XXXX, and I checked my credit report and Comenity Bank is showing my account as delinquent for unpaid maintenance fee, late fees, & finance charges. So I called on XX/XX/XXXX to dispute this again, and ask that the charges get reversed and the card closed. This time however instead of saying they were terrible sorry and that they would close my account and get rid of the fees once and for all, and after speaking with 6 different people -- 3 Customer Reps and 3 managers -- bits and pieces of a story emerged. However no one had the same story. I was told as per their records : The account was closed on XX/XX/XXXX ( ending XXXX ) One of the reps said my card was closed on XX/XX/XXXX with charges removed Another Manager said charges were removed XX/XX/XXXX ( XXXX $ late fee + {$6.00} finance charges ) Then a manager said they issued a NEW card **I was not aware of this card nor did I give permission for an account to be opened in my name. ** Then that card was closed on XX/XX/XXXX for delinquency. A different manager told me " it is not their policy to remove charges on cards they are going to close, so there is no way, that the card could have been closed before ( ie in XX/XX/XXXX ). The card would have been required to be open for another year. '' ( not exact quote- but very close!! ) All said I had to pay the charges. I think it is extremely unfair to have to pay for something I did n't even know existed- I say this in reference to the second card that was issued that I did not know existed. Turns out new cards had been sent to my XXXX address, but I did not know this until recently. Again, I had no reason to expect or keep an eye out for new cards because it was my understanding this account was closed. In any case, neither of the new cards were ever activated, further proof, of my understanding that this account was closed. ACCOUNT VERIFICATION : At each call, Reps asked me to verify my address & last four of my SS. The only address on file at that time was my XXXX addy. I was told by multiple reps that my current XXXX address was not on file. I do n't remember anyone asking for my phone number. Then I called back again on the same day to ask a clarifying question : " If it is not the policy to remove charges on cards that will close -- why was I issued another card with different ending numbers after the first card was closed? '' I never got an answer to this question however because the manager said my account could not be verified. Before I was transferred to her, I gave the rep my last 4 of my SS, and the XXXX address they had on file as I had done the last 2 times that same day. With this manager, she now said, that address is not the one they have on file. She wanted me to give her my new address in XXXX and my phone number. She would not answer any of my questions because my account " could not be verified '' Never mind that it had been verified 2 times before on that same day with only my SS and XXXX address. It seemed like a calculated attempt to get me to give them information I did not want them to have, ie my phone number and new address. DOLLAR AMOUNT : I never did received a paper bill for this new card, and never logged in online again because the account was supposed to be closed ( Yes- should have confirmed this apparently- though frankly thought I did and it wouldnt let me log in, but that memory is hazy ) Anyway, from my credit check through XXXX datad XX/XX/XXXX the amount Comenity claims is delinquent was {$110.00} as of XX/XX/XXXX. ( I checked XXXX at this time because I am starting a new restaurant venture and wanted to make sure there were not any negative marks. I usually have credit score in high XXXX or low XXXX so this was a shock!! )
07/20/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
IL
60617
Web
Comenity Bank violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave Comenity Bank any written consent to report anything on my consumer report. No consent is Identity Theft.
Pursuant to 15 U.S. Code 1681 ( A ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.. This law is stating that our consumer reports are our reputation. Under 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave Comenity Bank any written consent to report anything on my consumer report. No consent is Identity Theft. You reporting something on my report without my consent is negatively impacting my reputation. This is a violation to my rights. Also, the debt listed below is a bad debt, so it is definitely hurting my reputation.
Pursuant to 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.. Who is the original creditor? I am, How? When I am given credit I am really receiving something that already belongs to me. Let me explain : my social security card is owned by the SSA, so legally all my debts are the U.S debts. Now, let me get back to explaining how I am the original creditor. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below. Also, banks cant loan money, it is illegal for banks to loan money. This is why the FDCPA 15 USC 1692 never uses the term borrower. You see how I am the original creditor now? Comenity Bank is showing on my consumer report as the original consumer and this is furnished deceptively.
Pursuant to 15 usc 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. Upon viewing my credit reports Ive noticed the reported account XXXX XXXX XXXX XXXX had a discrepancy in the date last active section. If this is the same account, reported by the same creditor, how are these numbers different? 15 usc 1681e ( b ) states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Why do the accounts listed below have inaccuracies? Isnt this a violation of my rights as a consumer?
04/29/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
WI
54136
Web
As stated in multiple phone calls to Comenity Bank, my XXXX credit card information was used fraudulently in an unauthorized credit card purchase on XX/XX/XXXX in the amount of {$140.00}. I never ordered nor did I ever want the dietary supplemental pills which XXXX XXXX ( merchant ) sent to my residence in XXXX of XXXX. XXXX Bank has declined my dispute in a letter dated XX/XX/XXXX and is refusing to remove the charge from my account. Comenity is demanding that I send back the product back to XXXX XXXX if I want a refund. When I tried the merchant 's phone number listed on my credit card statement, I get a recorded message that the number can't be reached from my calling area. I then tried finding an alternate phone number, but to no avail. From what I discovered while looking for contact info, there are a number of different companies out there on the web with many product name variations for this stuff. The shipping label on the package indicates an address of XXXX XXXX XXXX, XXXX, XXXX FL XXXX. When using XXXX XXXX, one discovers that this return address is just a US Postal station in XXXX, FL, not a business address. The bottles list a distributor of the pills in XXXX, WY. The merchant 's location listed on my credit card statement is XXXX XXXX, NV, while the product was shipped from XXXX XXXX XXXX, UT per USPS tracking info. I notice from reading the complaints about this merchant on the XXXX XXXX XXXX 's web site, there are many other victims. Several complaints are similar to mine in which their credit cards had unauthorized charges and product sent to them without their consent. This doesn't even include the other numerous complaints from those who were overcharged, returns going missing, phone calls not returned by merchant, disconnected phone numbers, promises made by merchant that were not kept, being charged restocking fees, returns not being accepted, etc. The company is clearly not following consumer laws.
1 ) Like the unauthorized charge I experienced from XXXX XXXX, there are many people who have filed similar complaints with the XXXX XXXX XXXX about the merchant as recently as XX/XX/XXXX.
2 ) I used this card in a XX/XX/XXXX visit at the XXXX store in XXXX XXXX, WI and did not use it again until XX/XX/XXXX at that same store/location. Otherwise, that card stayed in a safe place at my residence. I have lived by myself since XX/XX/XXXX, so there wouldnt have been anybody else with access to my credit card. I am the sole individual on this account and have never provided authorization to anyone else to use my credit card.
3 ) The product ( 3 bottles ) has never been opened and the seals are still intact. There were no return instructions with the shipment, so I could not send the bottles back to the merchant. Per USPS regulations, once a package is opened the receiver can not simply put Return to Sender or 'Refused ' on it, so that wasnt an option for me either. Furthermore, I discovered through those complaints on the XXXX web site many consumers who returned the product were never refunded, as the merchant said they never received it back or it was shipped to the wrong address. According to the information the merchant provided to some of the complainants, there is a 30day return policy, which I was never made aware of as I never received an invoice with the package of pills nor any confirmation email.
4 ) I did not sign up for any type of subscription service ( where there are recurring charges ), as XXXX in Comenity 's Fraud Dept. suggested as the reason for the charge on my account. The {$4.00} and {$3.00} charges, which she referred to and found on my XX/XX/XXXX statement, were for transactions which I made with my actual card at the XXXX XXXX, WI XXXX store in XX/XX/XXXX. They were not for a subscription service of any kind.
5 ) Every time I make a purchase online or in person, I always check my credit card statements and emails to cross check for the transactions and their accuracy. Every transaction has a receipt or invoice, either on paper and/or in a confirmation email. Again there are no confirmations in my emails from the merchant, nor did I receive an invoice with the product.
In conclusion, I did not authorize the XX/XX/XXXX transaction from XXXX XXXX. Despite claims from the merchant that they have my credit card number including CVV, I never ordered the product and I never wanted the product. The merchant is falsely claiming that I made the transaction, which I did not. I was a victim of identity theft and was defrauded.
06/13/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Card opened as result of identity theft or fraud
CA
92831
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Pay Pal, I have sent numerous mails in the past. Please read my letters and reply to the proposal. Please do not issue online credit card without consent. Please do not send to collection agencies after one year for the charges that was not aware by the purchaser. Your system is fraud : opening a credit card without any signature or approval. Show me the application that Id filled out. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX, I have sent numerous letters to Paypal Credit immediately as below. However, Paypal never replied my mail sent on XX/XX/XXXX. Please have them respond and correct charges before I can make payment to them. XXXX XXXX XX/XX/XXXX Dear Paypal credit. XXXX XXXX XXXX XXXX XXXX XXXX This is first time I have received the history of what Pay Pal credit claimed. Your company just can not wait until XX/XX/XXXX to send me a statement to claim late charges and fees. That is not ethical. My paypal always were charged to XXXX XXXX. I do not know why some charges remained as a paper copy until the bill was first received in XX/XX/XXXX. And then you decided to send to collections agency without responding while I was trying to work with paypal. If this is how you scam others, please STOP. This is not an ethical way to make money from others. Withholding information and then claim your fraud system is false and that is now how you should make money. Since I do recognize guitar charge and return, I am willing to pay the balance of {$250.00}. Not any more for late charges or fees that I do not owe to you. I have never applied for paypal credit. You still failed to provide my application and signature. Prove to me that I have applied for your credit card. If Paypal policy is not willing to agree, I am not willing to cooperate or respond. Your claims have been false and fraud. I have been responding to all your inquiries. It is paypal that failed. Please reply as soon as possible. XXXX XXXX Dear Client Services, Reference Number : XXXX I have requested Pay Pal Credit requesting application for Pay Pal credit card and my signature on it. They never replied. I have request Pay Pal Credit to provide actual transaction that they claimed made in XX/XX/XXXX and vendor name. I never received they reply. Now, I am receiving your statement in XX/XX/XXXX. They need to prove that purchase was done by me by fulfilling above requests. They refuse to send any statement. They sent a statement in XX/XX/XXXX. I have called them immediately to find out what is going on. They filled out their requesting application immediately. They never replied back to my below request. Thus, their scheme is fraud. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Pay Pal Credit Fraud Operations XXXX XXXX XXXX XXXX MD XXXX Dear PayPal Credit Fraud Operations, In XX/XX/XXXX, I first receive a statement from PayPal credit that I have owed them {$380.00} and numerous previous attempts were made to reach me. I have never applied for PayPal Credit. Please provide my application with signature. I have never received any correspondence from your company prior to a surprised statement in XX/XX/XXXX When I make purchases through PayPal, it is always charged to my XXXX XXXX. I always receive email notification for any purchases or credits. Not this kind of credit company. I never received any notices. You said based on my purchase history and payment history, please provide my purchase and payment history on PayPal Credit. I was told there was only one charge made in XX/XX/XXXX by XXXX XXXX that I am not aware of. I believe it is PayPal credit company trying to take advantage of charging fees and interests based on a loop hole by your credit card company. I do not have any problem with my other credit cards who contact me immediately for any fraud or suspicious activities. I was asked if I filed a police report. How do I know if my identity is stolen if I did not know anything about this credit card company I have never applied to and wait until XX/XX/XXXX to contact me? Please provide the vendor name, amount of purchased item and tracking number. I will search on my own if paypal credit company is abusing their loop hole system to take advance of my identity. Please respond as soon as possible. Sincerely, XXXX XXXX
12/15/2017
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
FL
32817
Web
I have an XXXX credit card, operated by XXXX. The card occasionally offers promotional interest-free options. I have taken part in three promotional offers. The problem is the allocation of my payments. I have contacted customer service on a minimum of 4 occasions since XXXX to get some idea of how my payments are allocated, but was never able to get an answer.
The problem is that one of the promotional balances had to be paid in full this month, and three promos do not have to be paid in full for several more months ( end of XXXX and midXXXX ). Each month a different amount is chosen for each of the promotional balances, and I have no idea how that is calculated. Because they will not advise how they are allocating payments ( and because I 'm suffering a financial hardship ), the promotional balance that needed to be paid this month did not get paid in full. I 'm unsure at this time just how much interest I will be penalized with.
- The balance started out as {$300.00} on XXXX/XXXX/XXXX, and had to be paid in full by XXXX/XXXX/XXXX to avoid accrued interest.
- In XXXX, no part of my payment was allocated to the new balance. ( Not surprising. ) - In XXXX, {$16.00} of my {$96.00} minimum payment was allocated to the balance.
- In XXXX, {$15.00} of my {$96.00} payment was allocated to the balance ( however, I did not notice that my minimum payment had increased to {$100.00} - totally my fault ). I contacted them, and they removed the late fee. This is also when I started asking for an explanation of how allocations are calculated.
- In XXXX, I returned a couple of the items - making the overall balance {$250.00} instead of the original {$300.00}. That month, it looks like {$73.00} of my {$350.00} payment ( {$77.00} min ) went to that balance ( on this statement I also guess that some part of my payment went towards a non-promotional balance incurred in XXXX ). I still have n't fully determined exactly how all the figures on that statement fit together. I asked again for an explanation of how payments are allocated, and again got a response that provided no helpful information ( See the quoted response later in this statement. ) - In XXXX, {$41.00} of my {$110.00} payment ( {$72.00} min ) went to the XXXX promo balance.
- In XXXX, {$44.00} of my {$110.00} payment ( {$66.00} min ) went to the XXXX promo balance.
- In XXXX, the statement is more confusing than usual, but it looks like maybe only {$5.00} of my {$66.00} minimum payment went to the XXXX promo balance. It does n't look like they have assessed the accrued interest yet, but there are always things on their statements that I ca n't figure out.
I 've been trying to get direction from them since XXXX so I could have avoided the interest penalty, but they were never able to tell me how they allocate funds. One response ( in XXXX ) included the following verbiage : " First, your payment gets applied to all unpaid fees that may be a part of your overall balance, and your scheduled payment. Then we apply the additional amount you paid to any balance being assessed interest. We credit the balance with the highest APR first, followed by promotional plan balances with the oldest end date. However, if you have a promotional plan ending within the next 2 billing cycles accruing interest, we will apply any amount paid above your minimum due to that plan first. '' - I understand that they would pay fees first, and that could certainly be accurate.
- Then it looks like the rep then says that after those fees are paid that the payment gets applied to my " scheduled payment. '' I ca n't understand what that means.
- All of my promos are subject to the same interest rate, so the next statement is not applicable in my case.
- I 'm unsure what is meant by " oldest end date, '' but some portion of all of my payments went to 4 of my promos each month regardless of end date.
- Lastly, the rep says that if I have a promotional plan accruing interest ending in the next 2 billing cycles that any amount above my minimum payment will go there first, but fails to advise that little or none of the minimum payment will go toward that balance.
I ca n't figure out how anyone without a degree in advanced accounting could figure this out and abide. I guess the only way would have been to pay all of them in full this month ; but that defeats the purpose of my taking the promotion in the first place. I feel like there should be clear and advertised methods for determining payment allocation.
06/18/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CA
92139
Web
First off I would like to say I have been greatly affected by COVID 19. I lost my job on XX/XX/XXXX due to the business I work for closing down.
I had a credit account with Comenity LLC at the time. On XX/XX/XXXX I received an email ( the same email I usually receive once per month that tells me how much is due, date due and the total balance still owed ) it showed a payment of {$35.00} is due on XX/XX/2020 and it showed my current balance was {$410.00}. Even though my payment due every month is only {$35.00} I ALWAYS make a minimum payment of {$100.00}. ( I have statements to support this ) XXXX XX/XX/XXXX i made my usual payment of {$100.00}. On XX/XX/XXXX I received another email that again, displayed my payment due, date due and balance, but this time it said payment due {$51.00}, date due XX/XX/2020, total balance due {$1200.00}. When i seen the balance i was very concerned because i didn't understand why my total balance due increased by nearly {$900.00}. I have NEVER missed a payment ( I have statements to prove this ) and i have NEVER paid only the minimum amount. I immediately called Comenity to get some clarification on the added charges. I attempted to call them on Monday XX/XX/XXXX but I was unsuccessful to getting through since it was a holiday. I waited until the next day, Tuesday XX/XX/XXXX. I called them at XXXX XXXX on XX/XX/XXXX. I explained my concerns for the additional {$900.00} on my account. The person I spoke to told me the added charges were from interest that had been accrued from the time I opened the account due to the " promotional period '' ending. I didn't understand nor did I ever receive and email stating " Total balance must be paid in order to not be charged interest. '' I told them I recieve the same email every month which shows payment amount due, date due, and total balance. I told them how this could have happened if I have NEVER missed a payment and also how this could have happened if I pay more than my minimum every month. I also expressed to them that I lost my job due to COVID 19 and that these charges couldn't come at a worse time. They were not sympathetic to me being affected by COVID even though on their website they have " provide support and assistance to those affected by covid. '' Instead they said they could open an investigation on my account to see if the charges were by accident and that a credit would be issued if the investigation shows it was a mistake. They told me i would receive a letter in the mail just confirming the ongoing investigation. When they asked me to confirm my address on file they had an old address which i lived at 2 years ago. That also confirms i haven't recieved any paper statements in the past 2 years. I waited for the investigation to be completed and I recieved a letter from them on Monday XX/XX/XXXX stating their investigation is completed. I didn't understand the rest of the letter so I called them again to get some clarification. They told me the investigation was completed and no changes will be made to my account. The lady was sympathetic and she said if I had been affected by COVID 19 and had difficulty making payments i was suppose to contact them by XX/XX/XXXX. I told her my original call was on XX/XX/XXXX so it was definitely before XX/XX/XXXX. I tried to explain to her that I would have been able to continue making payments when my balance due was {$410.00}. I told her my difficulty didn't occur until I had the " accrued interest charge '' of close to {$900.00} added to my total balance. I was not aware that my " promotional period '' was ending. I explained I recieved an email on XX/XX/XXXX showing my total balance due was {$410.00}, then all of a sudden ( 8 days later ) on XX/XX/XXXX i received another email showing my total balance due was {$1200.00}. I didnt get an email saying anything along the lines of " You must pay your total balance due or else you will pay close to {$900.00} in interest fees. Of course if i would have know that I wouldnt have hesitated to pay off the total {$410.00}. I told her I also didn't agree with the outcome and I feel as though maybe the additional interest could have been pushed back to a later date since I had been negatively affected by COVID19. Comenity has been very unfair and is very " one sided '' they are not sympathetic to those affected by COVID19. I would like assistance in resolving this issue since I feel they have not been of any assistance to those hurt by COVID 19.
06/11/2017
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Problem with additional add-on products or services
GA
30087
Web
Older American, Servicemember
Statement : PayPal XX/XX/2017 RE : Denial of established PayPal Credit On XX/XX/2017 the following facts were the status of my PayPal Credit account as it relates to Credit Limit ; {$4100.00} Balance Due {$550.00} Open to Buy {$3600.00} as of XX/XX/2017 Attempted purchase $ XXXX, Denied Expenditures, {$2100.00} ; 26 transactions in 2017 ; account over 2 years old.
I was denied credit to make a purchase while a PayPal Credit customer whose credit was in Good Standing and without any notice of negative financial status from PayPal that would allow me to correct an embarrassing and stressful event that was hurtful to me and my family. I allowed my Son to select his gift and that selection was denied. I was forced to take money from my checking account to make the selection and keep my promise to him as expected by my family. They were very concerned and did not know the status until the next day. My home was not lacking anxiety and consternation that night and therefore I am filing this complaint and hopefully this will not happen to another customer. I sent the following email to PayPal. I have not received a specific reason for the denial of credit as of today XX/XX/2017. Which I have addressed in the communication to PayPal below.
Follow-up letter sent to PayPal.com on XX/XX/XXXX 2017. Sir, Your policy as stated in your automated message on the PayPal account Customer Support, is a general response, not specific to my attempted purchase XXXX XXXX XXXX. 1. Should you experience a situation where your purchase is declined by PayPal Credit, you 'll receive a real-time notification. You 'll also receive an email from us within 24-48 hours that contains more information about the reason for your decline. I have not received any mail or email with a specific or details explaining the reason ( s ) for the denial on XX/XX/2017. If such information exists, please re-send for verification as I have no record of the communication. The following reasons were sent as a possible cause for the refusal. Why not send the reasons that apply to this purchase attempt with PayPal Credit? I should not have to determine why PayPal denied the purchase. The entire reason is within your algorithm that your customer service representative verified twice. None of the generic reasons [ supplied by PayPal ], apply to my PayPal Credit account A. Your purchase attempt could have exceeded your available credit. o Available credit on PayPal Credit a
s of XX/XX/2017 : {$3600.00}. Total line of credit, {$4100.00}. The math says my balance was {$550.00}. [ Information received on XX/XX/2017 email ] B. Your purchase attempt might need further verification. o I have purchased $ 2,100+ ; 26 transactions in the last 6 months with your services. My account has back-up accounts to include a debit card, ( XXXX ), my checking account, which is open as a buttress against overdrafts. C Your account could be closed. o Purchases have been made since the denial. My account shows it is active This is a genuine issue to me. Missing what could have been a great present for an anniversary. I gave money but I was embarrassed as I allowed the present to be selected beforehand and could not use the six months to pay w/o interest benefit. In the previous communication I stated my conditions that I feel are deserved for having to endure such a family issue because of an huge error to me although it may not be to a company your size. This will be my last communication on this issue with PayPal. The message placed in my account was not a convincing account showing genuine concern ; but seemed to be a stall tactic. My wife and I have enjoyed using the PayPal experience over the years and I am disappointed in your response to my problem. This is the first time that I have had this problem with PayPal, but this type incident is typical in certain industries and has been proven to be close to creating a red line in the evaluation of and allowance to use ALL, benefits equally across the spectrum of customers you serve. I want to believe this is an innocent mistake by an hourly associate that was not trained well enough to give the appropriate information and that is, The standard to give you an answer to a denial is 48 hours. At that time, you will receive an email with the specifics of the action. POTUS Reagan said, Trust but verify. I feel This is something that may fit the direction given by POTUS Reagan, as such, I must question this matter.
02/05/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
10992
Web
Dear CFPB : I am writing to your office to request assistance in what I believe to be predatory credit practices by a company called XXXX.
By way of background, my mother, XXXX XXXX opened an account with XXXX believing that she was going to get a bill in the mail for a pair of pants that she ordered. The pants arrived, were of extremely poor quality and were returned back to XXXX. My mother was led to believe with this order she was under no obligation to keep the pants and in fact, paid a shipping and handling charge to ensure she owned no money. She made 1 single purchase, returned the items and purchased and/or received nothing else.
What was not understood at all was that XXXX opened a revolving credit card in her name. XXXX began charging fees to this account that were not authorized or understood and the statements my mother has been receiving provide no clarity to these unauthorized charges.
An attempt was made to dispute the charges and while the specific bogus membership fees were reversed, the account had incurred other charges such as late fees or other fees, which should have also been reversed when the company acknowledged their predatory and unfair practices of charging unknowing customers bogus fees.
I would like your office to investigate if the target market for this type of predatory behavior is senior citizens. My mother is on a fixed income and would have had zero desire to open a credit card that she didnt need. Moreover, to enroll customers into some type of a loyalty program without their comprehension with a recurring credit card charge should require written consent. I am requesting that the actual fair credit lending practices be reviewed.
Moreover, I attempted to contact the company XXXX. Apparently they have outsourced their credit billing to. They were unable to give me any details as to what the specific charges were. Various subscription charges, late fees and interest charges were explained, however, you need a valid purchase to actually incur fees on a credit card. There has to be some type of consumer protection that prevents this type of behavior from companies that portray themselves are retailers but are peddling credit issuance with unauthorized fees.
XXXX XXXX XXXX, located in XXXX Ohio claims to be the servicer of the invoices but was unable to provide any clarity into what the charges were. XXXX referred me back to XXXX who doesnt answer their phones, putting customers into a never ending loop of no solution, frustration, and as time passes, more unfair late fees.
It is my understanding that credit issuers have very distinct obligations. In the case of my mother, she has called repeatedly, with no outcome that has assisted her. It is principally unclear if XXXX is just a disreputable retailer or is in fact issuing credit. As a credit issuer, they have specific obligations including the ability for a client to dispute a charge or initiate a complaint. While she has attempted to dispute this matter, it is her understanding that either XXXX or XXXX have also reported this matter to the credit bureaus, causing damage to my mothers credit.
At this point, I am requesting that both organizations be investigated. They have a finger pointing, customer unfriendly, and predatory practices that take advantage of customers who are not well versed in their rights as consumers. I would imagine my mother is one of many customers who have unwittingly fallen into this type of trap and before we review other options, would like to understand what your organization can do to assist us in a resolution.
What is the ask from XXXX?
As far as resolution, very simple : Reverse the bogus charges and associated fees placed on this credit card.
Close the credit card customer request.
Remove delinquent trade lines if reported to all credit bureaus.
Confirm the above in writing.
This complaint should not be simply resolved for one customer, a review of the predatory practices is in order. My mother as the XXXX XXXX of my XXXX year old father has been placed under a great deal of stress and despite her attempts to fix this situation, could not. This is simply not right.
I would be more than happy to discuss this matter in detail or if legal recourse is more appropriate, would more than welcome that advice from your agency/organization.
Respectfully yours, XXXX XXXX Phone # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
10/06/2021
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
OR
97140
Web
I recently sold my home. Because the proceeds were going to be significant ( over {$250000.00} ), I researched options for high-yield savings accounts. XXXX XXXX claimed to provide " highly competitive rates and access to your funds any time you need them. '' Because I am remodeling my new home, I needed to be able to access large amounts to pay contractors. I opened a high-yield savings account with them on XX/XX/21, transferred {$100.00} from my checking, and set up my online account. I also went through their process to link the new account with my primary checking account at XXXX XXXX. On XX/XX/21, the sale of my home closed. The title company wired the proceeds to my new XXXX XXXX account on XX/XX/21. It was my understanding that I would be able to transfer the urgently-needed funds back to my primary checking account to pay contractor bills. However, XXXX delayed posting the wire to my account until XX/XX/21. Once it showed up in my account, I logged in with their app and tried to transfer {$50000.00} only to find out that I was limited to accessing only {$2000.00} per day. I initiated a transfer in that amount and then called their customer service line to find out what I could do to access more of my money faster. The person I spoke with ( XXXX ) told me the only way to access the money faster was to close the account and have the money moved to my primary checking. I confirmed that I wanted to close the account. When I didn't see anything happening in the app, I called their customer service line again. This time, the guy I spoke with told me that because my accounts were already linked, the funds would be moved the same day and available within 1-2 business days. When I still didn't see anything happening in the app, I called the customer service line again. At that point, the person I spoke with ( I don't recall the name ) told me the closure my take several days, and that the only way to get the funds faster was to submit a wire transfer request, which I did on XX/XX/21 around XXXX Central Time, ahead of their XXXX cutoff. I immediately called their customer service line again and asked them to verify that they had received my wire request and had everything they needed to complete the transaction that day. He told me they did. That night, I received a call from Comenity 's fraud department. The woman said it was very unusual for someone to close an account so quickly after opening it and that it had triggered questions about why. I answered all of her questions and explained that I didn't realized when I opened the account that there would be such restrictions on accessing my funds. She noted my answers and thanked me for my time. On XX/XX/21, when I didn't see any activity in either my Comenity account or primary checking account, I called their customer service line again. They said the account was on hold due to a fraud investigation. I asked when that would be resolved and when I would have my money. He had no answer. A little later on the morning of XX/XX/21, I received another call from the same woman in the fraud department asking me why there were logins to my account with a URL in Utah. I explained that I had no idea. I am not a tech person. I am just me. I am the only person accessing the account. I do not live in Utah. I once again explained why I opened the account and why I asked to close it. I asked when this would be resolved and when I would have my money. She said she didn't know, but that deposits in new accounts were subject to a 10-day hold, which would mean the wire wouldn't happen until XX/XX/21 at the earliest. I told her that was unacceptable and that there was nothing in the new account setup process or communication that mentioned a 10-day hold on new accounts. If I had known that was a condition, I would never have opened the account, and would have had the title company wire the funds to my primary checking account. At this point, I am in the process of remodeling my new home and need the funds to pay contractors. Those bills are coming due. Without access to the funds being held hostage by XXXX XXXX, I will be unable to meet my obligations to the contractors who will likely place construction liens on my new home. As of XXXX ( PDT ) on XX/XX/21, I still have no idea when I will have access to my money. They seem to find reason after reason to keep me from my money. This seems like a scam to me. Please help!
08/20/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
TX
75007
Web
Older American, Servicemember
COMPLAINT # 1 DATE XX/XX/XXXX ACCOUNT : PRIMARY CARDHOLDER : XXXX XXXX XXXX PHONE XXXX ADDRESS : XXXX XXXX XXXX XXXX TX XXXX OPENED XX/XX/XXXX WITH SISTER SECOND ON ACCOUNT TO UTILIZE XXXX BENEFITS PRIMARY LIVES IN TEXAS USES XXXX XXXX XXXX CREDIT CARD AT XXXX, THERE ARE NO XXXX IN TEXAS.
SECONDARY CARD HOLDER IS PRIMARY USER.
ACCOUNT SET UP FOR ALL BILLS, MAILINGS, MAILING ADDRESS AND E-MAILS GO TO SECOND CARDHOLDERS HOME ADDRESS AND PAYMENTS FROM HER OWN INDIVIDUAL ACCOUNT PRIMARY CARDHOLDER PUT ON THEIR RECORDS XXXX HAS PERMISSION TO DISCUSS ISSUES SITUATION ; XX/XX/XXXX XXXX FROZE ACCOUNT DUE TO PURCHASE OF {$780.00} BY PHONE BY SECOND CARDHOLDER PUT IN PENDING MODE DENIED PAYMENT SUBMITTED ELECTRONICALLY BY XXXX XXXX FOR VITAL MEDICAL TEST {$290.00} NOT PUT IN PENDING MODE DENIED PURCHASE OF GROCERIES AT XXXX XXXX XX/XX/XXXX.
FRAUD CALLED SECONDARY CARD HOLDERS HOME PHONE, THEY WOULD NOT TALK TO HER DESPITE PRIOR AUTHORIZATION.
SHE CALLED XXXX XXXX, THEY WOULD NOT TALK TO HER.
SHE WENT ON LINE TO RESPOND TO AN ALERT, IT ASKED TO REQUEST A CODE, THE CODE WENT TO HER SECOND CELL LINE THAT PRIMARY CARDHOLDER USES AND DOESNT TEXT.
PRIMARY CARDHOLDER NOT AVAILABLE UNTIL XXXX P.M. EASTERN TIMEFRAUD UNIT CLOSED SECONDCARD HOLDER DIDNT HAVE ANOTHER CREDIT CARD OR ENOUGH ON DEBIT CARD TO PAY THE {$290.00} AND THE TEST RESULTS HAD TO BE CANCELLED.
SHE MAY END UP BEING RESPONSIBLE FOR THE COST OF THE TEST, TEST KIT AND XXXX COSTS THIS WAS A THIRD TEST TO DIAGNOSIS A SERIOUS MEDICAL PROBLEM AND CAN NOT BE REDONE FOR SHE HAS HAD TO BE PUT ON HEAVY DOSAGES OF XXXX AFTER SUBMITTING THAT TEST SAMPLE SHE IS RECEIVING MESSAGES THAT THE PROBLEM IS RESOLVED AND IT ISNT MONTHLY BILL IS PAID IN FULL EACH MONTH ON TIME AND CREDIT LIMIT HAS NEVER BEEN EXCEEDED OF OVER {$16000.00}. CURRENT BILLOF {$1500.00} NOT DUE UNTIL XX/XX/XXXX.
SECOND COMPLAINT : XX/XX/XXXX PAYMENT REFUSED AT XXXX XXXX XXXX REPEATEDLY OF {$40.00} AND HAD TO RESORT TO PAY ON MY XXXX XXXX XXXX CARD.
CAUSED GREAT EMBARRASEMENT IN FRONT OF FRIENDS AND MANAGEMENT.
FRAUD DIVISION SAID THEY HAVE NO RECORD, I CAN ATTAIN STATEMENTS THIRD COMPLAINT : DISBUTE FILED ON ABOUT XX/XX/XXXX. ABOUT XXXX, RCHASE OF A XXXX XXXX AT XXXX XXXX DISPUTE FORM SIGNED BY PRIMARY CARDHOLDER AS DIRECTED XX/XX/XXXX DATED CORRESPONDENCE FROM XXXX XXXX THEY RECEIVED THE DISBUTE.
XX/XX/XXXX DATED CORRESPONDENCE RECEIVED THAT THEY COULD NOT DO CHANGES TO ACCOUNT FOR XXXX WAS NOT THE PRIMARY CARDHOLDER.
THE LETTER WAS SENT WAS INACCURATE, IT WAS NOT FOR A CHANGE ON THE ACCOUNT, THEY WERE SAYING THE DISPUTE FORM WAS NOT SIGNED BY PRIMARY CARHOLDER. IT WAS!!!!
AFTER SEVERAL CALLS BY BOTH PRIMARY AND SECOND CARDHOLDERS AND THEN JOINT CONFERENCE CALLS WE FINNALLY GOT IT THROUGH TO THEM THE FORM HAD BEEN SIGNED BY THE PRIMARY.
XX/XX/XXXX AND XX/XX/XXXX : CORRESPONDENCE RECEIVED XXXX XXXX RESEARCHING CLAIM XXXX XXXX CONVERSATION AS A RESULT WITH COMPLAINT # 1 WE WERE INFORMED THEY SENT A LETTER REQUESTING MORE INFORMATION ON XX/XX/XXXX. WE HAVE NOT RECEIVED SUCH CORRESPONDENCE 1. CORRECPONDENCES ARRIIVE IN UNUSUALLY DELAYED PERIOD OF THE DATE ON THE LETTER.
2. FORM LETTER DATED XX/XX/XXXX DIDNT NOT ACCURATELY REFLECT WHAT THEY REALLY SAYING OR WANTED : A. IT STATED XXXX REQUESTED A CHANGE B. NOT THAT XXXX HAD NOT SIGNED THE DISPUTE FORM C. HE HAD SIGNED THE FORM THE INCOMPETENCY OF THE STAFF OF THIS COMPANY IS NON-OPERATIONAL, AND I BELIEVE COULD BE OUT OF COMPLIANCE OF STATE OR FEDERAL REGULATIONS.
NO ONE IS EMPOWERED, NO COMMON SENSE PREVAILS THEY ARE NOT SAYING THEY ARE ON A RECORDED LINE WHEN YOU CALL IN.
THEY THINK THEY ARE LISTENING BUT THEY ARE NOT HEARING.
WORKING WITH THEM IS LIKE BANGING YOUR HEAD AGAINST A BRICK WALL, WHEN YOU STOP IT WONT HURT ANYMORE!
WE ARE LEAVING THIS COMPANY AFTER THE RESOLVE OF THE DISPUTE OR GOING TO SMALL CLAIMS COURT. THIS CREDIT CARD IS FOR XXXX, WHICH I HAVE BEEN A CUSTOMER SINCE XXXX AND WE OPENED THE JOINT ACCOUNT IN XXXX FOR THE CREDIT CARD.
I HAVE WORKED IN ALL LEVELS OF THE XXXX, XXXX AND XXXX XXXX AREAS MOST OF MY CAREER. I FIND THIS PERFORMANCE UNEXCEPTABLE.
I DONT APPRECIATE THIS STRESS WHEN I AM SO SICK, XXXX AND A SENIOR FOR I MADE A LEGIGIMATE PURCHASE, PUTTING MY HEALTH AT RISK.
I have attached order for medical test payment that was denied All copies of correspondences received about dispute filed no letter dated XX/XX/XXXX received to date
02/10/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MT
59714
Web
Older American
1. In XX/XX/XXXX, I opened a XXXX XXXX XXXX credit card account # XXXX. My first statement did not arrive at my house until after the due date of XX/XX/XXXX so I called the bank immediately to inform them of the situation and ask that they not charge me a late fee. The agent on the phone made it clear that she did not believe me, and would not remove the late fee even if I paid immediately by phone. I live in a very rural area of Montana, and it is not unusual for mail delivery to be very slow. The agent did finally agree to charge me only 1/2 the late fee ( {$18.00} ), but as I look at my statements I can not see where she made any adjustments to reflect that verbal agreement. Since that time, I continued to send letters with every payment asking that the late fee be removed, but never received any response to my inquiries.
2. I paid off this account as quickly as possible, since I did not want to continue any relationship with this bank. In XX/XX/XXXX, I had one payment legitimately late due to an unforeseen trip out of town to California to care for my ailing mother who subsequently has XXXX.
The entire account balance of {$1600.00} was paid off completely by XX/XX/XXXX, except for the 1 1/2 late fees, which I was still writing monthly to see if I could have removed. The banks introductory offer was for no interest if the balance was paid off in 6 months. I complied with those stipulations, paying off the entire account within 5 months, except for the ongoing dispute I was having with them about the 1 1/2 late fees.
3. It was shortly after paying off the balance ( except the 1 1/2 late fees - {$55.00} ), that I started getting multiple daily phone calls demanding that I pay the bill. I had not received any response from any of the monthly letters I had been sending with my payments, asking that the late fees be removed, so I realized that the bank was not going to remove the fees. It was then that I offered to pay the 1 1/2 late fees to the supervisor on the phone. She declined saying that I now was being charged late fees upon the late fees, so owed much more than the {$55.00}. I refused since the entire account had already been paid off, and she wanted me to pay extra bank fees on top of the original fees. She also told me that no one actually reads any letters that get sent the account with any payments - which I had been doing for 5 months with no response.
4. I then sent a letter via the banks web site outlining the situation, and the phone call with your agent ( see attached ). It was also from one of those daily phone calls that I got the address for sending a complaint to your bank. Although I did send detailed letters to your Customer Satisfaction Center and Settlements Department, nothing was resolved. All I have received are two form letters, once again indicating that you dont care to even hear me. On XX/XX/XXXX I finally gave up my fight with you, and paid the actual 1 1/2 late fee charges of {$55.00}.
5. It has been almost a year since that account was paid off and the late fees paid. I continued to write letters indicating that the entire account had been paid, but have heard basically only form letters from XXXX XXXX. In addition, they have continued to charge me late fees & have even gone back to the opening date of the account ( XX/XX/XXXX ), and charged me monthly interest and late fees from that date. The balance now owed is over {$400.00} just from all those fees.
6. This bank has also contacted the credit bureaus, reporting that I am some dead beat consumer, reporting that this account is unpaid and delinquent. I have a history of good credit with scores around XXXX, and always pay my bills on time. My credit is now less than XXXX, only due to this banks false reporting.
7. I have contacted the credit companies, who in turn have assured me that they have passed the information and requests along to XXXX XXXX, but again, I have heard nothing from that bank trying to resolve this issue. This is a perfect example of a bank practicing PREDATORY LENDING, and being so big and untouchable that the little individual people like myself have no recourse. I had the audacity to question them about 1 1/2 late fees, and now they are punishing me by ruining my great credit. I paid this entire credit card balance within 5 months of opening the account, and paid all late fees by XX/XX/XXXX.
07/09/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
MD
21703
Web
On XX/XX/XXXX I walked in to a XXXX XXXX store to buy an engagement ring for my girlfriend. After choosing the ring that I liked the employee and I started filling out some paper work and he pitched me the idea of financing the ring at 0 % interest. Since I was also in the process of buying a new home it didn't seem like a bad idea to finance the ring so I could keep some money in the bank to show to the mortgage loan officers to prove my trust worthiness.
I asked the XXXX employee what the " catch '' was and he said that as long as a paid my ring off within the terms that I wouldn't pay any interest. So I was thinking no problem, I decided to choose a term of 6-months. I had filled out the short credit application and gotten approved and he sent me on my way and told me to look out for the credit card to arrive in the mail.
I don't know the exact date but I had received the card in the mail a couple of weeks later and set-up an account online linked to my bank so that I could make payments. My plan was to pay {$650.00} for the first 5 months and the remaining balance on the 6th month ( {$480.00} ) The first payment was due on XX/XX/XXXX and had made my first payment on XX/XX/XXXX @ {$650.00} the payments were completed as follows : XXXX XX/XX/XXXX @ {$650.00} XX/XX/XXXX @ {$650.00} XX/XX/XXXX @ {$650.00} XX/XX/XXXX @ {$650.00} XX/XX/XXXX @ {$480.00} Bear in mind, I have a very good credit score and history and haven't missed a payment in 10 years. I had paid all of the payments on time as discussed in person.
I had made my last payment just like I had made any of my other payments by logging into their interface. The site stated that the payment was due on the XXXX and I had set it up to be paid on the XXXX and I did pay it by then.
Feeling accomplished making my last payment I felt a sense of relief to have finally paid the ring off but then the next month I receive an email stating that my statement balance was ready. I though to myself to just delete the email since I knew I had paid the balance but my gut told me to check it out just in case.
I login and BOOM they hit me with {$360.00} out of nowhere. I noticed that they had " edited '' in a charge in on XX/XX/XXXX and XX/XX/XXXX that shows them adding in the " promotional interest '' in there but it was NOT there before the due date of the XXXX when I had logged in to schedule my last payment for the balance. In other words there was no indication of the interest charge before I set my final payment.
Furthermore, the representative completley manipulated me and conned me into this whole thing by telling me that as long as I pay in 6 months I wouldn't be charged interest. I immediantly called XXXX Credit card company and told them that there must have been a mistake because I had made all of my payments " on time '' within 6 months which is the truth. My first payment was on XX/XX/XXXX ( due on XXXX ) and my last payment was XX/XX/XXXX and the representative just snickered at me almost like she's in on the whole scheme and tells me that the 6 months starts from when I sign the paperwork ... XXXX ARE YOU KIDDING ME? No one ever explained that to me, I told her that I have an excellent report and never have missed any payments and could've paid the card of MONTHS ago but I didn't because I thought I wasn't going to get charged any interest and she sits there and tells me that it was in the " fine print '' and that I should have paid attention. It honestly sounded so scripted like SO many have this issue due to their SHADEY promotional offer honestly it made me sick.
In my final defense, I had asked the lady I was on the phone with why they don't change the due date or highlight online that your last payment is due on a certain date other than the due date and she said that they do but the only problem is supposdely they send it to your inbox on their outdated website and you have to click on it and scroll all the way down to see it highlighted in red. The funny thing is I never even got that mysterious mail in my inbox from them at all ...
Over all I feel like they probably trick thousands of people like me into this " promotional deal '' that is structured completely different then traditional loans or or credit cards and in my opinion it should be illegal for them to structure a business like this because its based off of deception.
03/22/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
60091
Web
On XX/XX/XXXX I made a {$350.00} payment at my XXXX online account to pay off a 0 % interest promo ending onXX/XX/XXXX. I then checked online a few days after to check my payment due for XX/XX/XXXX which showed a {$0.00} min due.
Even when there was no due for XX/XX/XXXXper the XXXX account online and automated call, I knew I had 2 expiring 0 % interest promos with a total balance of {$1600.00} ending on XX/XX/XXXXwhich also had substantial accrued interest charges. I am aware that interest accrued charges need to be paid if the balance on the promo plans are not paid in full by the expiration date. I absolutely did not want to pay the accrued charges which amounted to {$1100.00} for promo plan XXXX and {$180.00} for promo plan XXXX. So, on XX/XX/XXXX I made a payment of {$1700.00} online to pay off both promo plans expiring onXX/XX/XXXX
On XX/XX/XXXX I noticed that my balance was not reduced knowing I paid off promo plans that expired inXX/XX/XXXX. I discovered that I was charged the accrued interest rates for the plans XXXX and XXXX which expired onXX/XX/XXXX7. I called XXXX XXXX XXXX and spoke with XXXX. I initiated a dispute regarding the charges and was told that I will receive a letter for confirmation.
On XX/XX/XXXX I called XXXX XXXX to follow up my dispute and they stated it is still ongoing. Around XX/XX/XXXX I called again to follow-up and they stated that the dispute has been closed and they are still charging me the accrued interest rates. The representative did not give me a reason for their decision and told me it would be stated in the mail dated XX/XX/XXXX.
I received the 2nd and last mail from XXXX in the week of XX/XX/XXXX. The mail datedXX/XX/XXXX explained why they are denying the dispute. Their explanation in the letter states I accrued the interest charges because I did not pay the promo balance in full by the expiration date. I can not accept their decision since I paid the balance of the 2 promo plans expiring on XX/XX/XXXX in full on XX/XX/XXXX.
I called XXXX again to speak with a manager regarding my dispute. He explained that I did not pay the balance of the 2 promos expiring on XX/XX/XXXX which was written on the statements. He also stated the amount was not enough to pay for the minimum due for XX/XX/XXXX. I told him no where in the statement it is written that I had to pay the minimum due plus the balance in full for the promos expiring. I also checked online after I made the XX/XX/XXXX payments for the promo expiring XX/XX/XXXX to ensure no payments are due for XX/XX/XXXXand it reflected a {$0.00} due.
On XX/XX/XXXX I spoke with XXXX, a supervisor and told him to reopen the case since the resolution was not acceptable to me. I had 2 promos expiring on XX/XX/XXXX and told him I wanted the higher balance paid off first if my XX/XX/XXXX payment was allocated first to the minimum due onXX/XX/XXXX and the balance to pay the promo plans expiring onXX/XX/XXXX. It also doesnt make sense that my payment was not allocated to XX/XX/XXXXpromo plans first vs XX/XX/XXXX7 which comes after XX/XX/XXXX. I should have just been slapped with a late fee if my payments onXX/XX/XXXX went to pay for the promo expiring XX/XX/XXXXand there was nothing left to pay for the XX/XX/XXXX min due.
I started my complaint within the 120 day of discovering the discrepancy ( in the XX/XX/XXXX statement receivedXX/XX/XXXX ) dispute and told them my intention is for them to pay first in full the bigger balance which carried the higher accrued interest of $ {$1100.00}. I asked for a valid reason how they allocate if there were 2 plans expiring the same time and they told me its just their process and gave me no documentation. To me this is unfair business practice that they would take advantage for the customer to be dinged with the higher interest accrual even when I tell them within the 120 day dispute window that they need to correct the allocation of payment.
I feel that XXXX conducts unfair business practices and takes advantage of the customer by not sending documentation of their process and not acknowledging issues/glitches in their system. Specially when their system states {$0.00} due so a customer would not pay that time and then having a big payment for a plan expiring allocated to the minimum due resulting in the customer paying the hefty incurred interest of the promo plan.
12/02/2019
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account status incorrect
TX
77008
Web
I have held a Comenity Bank managed XXXX XXXX store card for many years and have always paid the full balance of the card withinin the terms and conditions of the card. In XX/XX/XXXX ( having previously had a XXXX balance ) I received an email statement which explained I had a balance due and proceeded to make the payment in full. The following month ( XXXX ) I received another email which showed the balance of the card and an additional amount ( but no indication of late fee or payment ), but I expected the prior month 's payment would clear and I had returned the other items which would have made a XXXX balance. After that month I received only notifications of a statement being ready by email ( since I was elected into paperless billings ) but there was no information on balance due in the emails and zero indication payment had not been received or a late penalty was assessed. During this time I also received zero phone calls, text messages, or communication otherwise that my payment had not been received by XXXX XXXX. Upon finding out in XX/XX/XXXX that there was a balance still on the card, late payments/penalties, and a negative credit report on my card I immediately paid the full balance due and submitted a dispute for the credit report item as I was never aware there was any balance due that had not been paid. After XXXX XXXX/Comenity bank denied the dispute, I called them on a recorded call on XX/XX/XXXX and spoke to an account manager ( XXXX ) for 43 minutes explaining the situation. He states that Comenity Bank received a request to not contact me which is why I was never told there was a payment not received in order to remedy the issue. I am not knowledgeable of any such request asked repeatedly for confirmation of who, when, how this request was made - by phone or in writing. XXXX stated that they have no documentation of the request they can provide but that Comenity Bank supposedly could not contact me in any manner to indicate payment was not received. In the end I have been charged ( and paid ) more than {$120.00} in late fees after attempting to make payment on the balance and receiving zero notification for months from XXXX XXXX/Comenity Bank that payment had not been received. Further, without notice in XXXX, they suddenly closed my card and told me there was some type of " fraud '' dispute which led to the closing of the account. I have not filed any such dispute and feel that the bank has mishandled my account. I would like written acknowledgement from XXXX XXXX/Comenity Bank that they failed to notify me that payment on the account was not received via faxed letter to XXXX, a refund of the late fees for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a copy of the letter and/or date of phone call and confirmation of this alleged " request to not contact '' they have stated, and for them to place an emergency update with all 3 credit bureaus correcting the misinformation they have reported. This misrepresentation on my credit report is negatively impacting my ability to close with a favorable rate on my home loan in XXXX and if it is not remedied in 7 days, I will be subject to a significant amount of closing costs, interest rate increase, and expenses due to Comenity Bank 's failure to correct this issue.
In additional to all of this : 1 ) Under the Fair Credit Reporting Act 623 - 15 U.S.C. 1681s-2 Comenity Bank is responsible for notifying me in writing that they have reported negative information to the credit bureaus. They never sent such notification to me.
2 ) I have written documentation that states that if Comenity Bank issues such no-contact order if requested ( which I did not request ), they will also not authorize future charges. As they refuse to furnish documentation supporting this alleged " no-contact '' request, they were subsequently allowing authorized charges to be made on the XXXX XXXX account up to XX/XX/XXXX ( 5 months after they allege they were instructed not to contact me ). This appears to be in violation of their own company policy.
3 ) Comenity Bank made zero attempts to notify me that they had not received payment which is also their company policy.
4 ) Comenity Bank oddly does not report the many favorable on-time payments I have had on the account since XXXX only reporting on-time payments since the end of XXXX.
05/01/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
You never received your bill or did not know a payment was due
CA
91401
Web
My name is XXXX XXXX and I would like to draw attention to the wrong that XXXX XXXX/Total Rewards Credit Card is doing to me as a consumer. I am in such disbelief that they are refusing to remove a 30-59 DAY late that is appearing on my credit reports after I called them, and even wrote to them at 3 different addresses by certified mail with return receipts requested, to let them know that we were victims of theft and we had not received statements and were not aware of any payments due. Between XXXX and now we continue to be victims of identity theft and mail theft after my wifes entire business briefcase and personal handbags were stolen from her car. Inside were statements and credit cards for over 20 accounts, including personal checking and business checking information. We have contacted every bank and credit card company to notify them of this and after we notified MY credit card as well they temporally closed my card and could absolutely care less! I had not received a statements until 2 cycles later and by the time I wrote a check out and contacted them they were unwilling to listen and unhelpful to me in every way. It is my legal right to request a investigation and be justified, especially with a POLICE REPORT, which was sent to them to 3 different mailing addresses, but they refuse to follow the law and correct the lates that were caused by fraud/identity theft. I am a human and I am a consumer and the worst possible thing has happened to my family and XXXX XXXX sent me a short, cold and sad response nearly 30 days from when they revived my letter denying to remove the lates without a single explanation.
I am so terribly offended and saddened by this company and wish, before I pursue legal advice, to come to a resolution here. I have spent every waking moment researching what to do in situations like this and I came upon the Consumer Financial Protection Bureau and went to the consumer portable database and saw that so many other consumers are affected by careless investigations and bossy companies like XXXX who refuse to understand human situations or follow the laws of the FCRA, even with Police reports! I am appalled and I would love to see XXXXXXXX XXXX/Total Rewards held completely responsible for being so unprofessional in handling this matter. I even sent a letter to the office of the president and did not get a response back. My whole life revolves around my personal credit and they have tarnished my creditably! I have always had EXCELLENT credit.
The worst of all of this is that my interest rates went up and I was denied a loan because of their derogatory mark which cost me over XXXX points in ONE DAY! I opened up to them whole heartedly and sent them a 3 page letter explaining EVERYTHING in absolute detail and even apologizing TO THEM for my wife being robbed and still they could care less. I am so upset I ever applied for this card, which I use daily for my business. I am a victim to a bully credit card company who only takes and doesnt give and all they sent me was a half a paragraph response saying that the are refusing my goodwill adjustmentTHAT IS A LIE! I never ever asked for a goodwill adjustment. I asked them to take note that my wife and I were compromised and our identity assumed by burglars and correct their worngs. They have been continually using our cards and have even attempted to open up new cards under our names. They were arrested in XXXX trying to cash our personal and business checks and they went as far as to come to our house periodically and steal our mail and our replacement credit cards and check books.
How am I not being heard and understood here is beyond me! I have attached EVERY document which I had forwarded to XXXX here on the CFPB complaint and I have added their heartless letter to it and I have also included a copy of the 2 green returned receipts for my certified mail. Please review it and HELP ME PLEASE!
Also, I noticed that it has been two months since my dispute letter and never ONCE did they notify the bureaus or my creditors that I was disputing these lates. This has costs me tens of thousands of dollars because other companies did not believe me and my wife to be victims of fraud. I can submit my credit report as well and you can see that I have excellent credit and only use this ONE card which is why I called them.
11/20/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
FL
32835
Web
Older American, Servicemember
We made multiple purchases from XXXX & XXXX for a construction project with 6 month interest free agreements and some purchases over {$1000.00} with longer interest free periods. All 6 month balances were paid off through the company 's bill payment system on their web site on or before the promotional balance due dates. Instead of crediting the payments to the debt due the soonest, as their payment policy and customer service agents advised they would, some of the payments were credited to later due promotional balances and remaining balances on expiring promotions were moved to a revolving account with a 29.99 % interest rate.
We tried to get Comenity to correct the problem without success. The latest statement received no longer shows the revolving account, but still shows the illegal interest charges. Today we spoke with customer service agent XXXX about getting the interest removed, but was told that the revolving balances still exist and that the interest could not be removed.
Here are the promotional balances and expiration dates from our XXXX Billing Statement : Promotional Plan ( s ) ENDING SOON ] You must pay your Plan XXXX balance of {$4.00} in full by XX/XX/XXXX, and also pay your Minimum payment amount by the Payment due date shown on this statement, to avoid paying accrued interest charges.
You must pay your Plan XXXX balance of {$45.00} in full by XX/XX/XXXX, and also pay your Minimum payment amount by the Payment due date shown on this statement, to avoid paying accrued interest charges.
You must pay your Plan XXXX balance of {$66.00} in full by XX/XX/XXXX, and also pay your Minimum payment amount by the Payment due date shown on this statement, to avoid paying accrued interest charges.
You must pay your Plan XXXX balance of {$290.00} in full by XX/XX/XXXX, and also pay your Minimum payment amount by the Payment due date shown on this statement, to avoid paying accrued interest charges.
You must pay your Plan XXXX balance of {$59.00} in full by XX/XX/XXXX, and also pay your Minimum payment amount by the Payment due date shown on this statement, to avoid paying accrued interest charges.
You must pay your Plan XXXX balance of {$16.00} in full by XX/XX/XXXX, and also pay your Minimum payment amount by the Payment due date shown on this statement, to avoid paying accrued interest charges.
You must pay your Plan XXXX balance of {$100.00} in full by XX/XX/XXXX, and also pay your Minimum payment amount by the Payment due date shown on this statement, to avoid paying accrued interest charges.
You must pay the balance {$3300.00} of your Plan XXXX in full by XX/XX/XXXX to avoid paying accrued interest charges.
Here is the payment activity from the XXXX XXXX XXXX site : Transaction Details Amount XX/XX/XXXX PAYMENT-THANK YOU - {$110.00} XX/XX/XXXX FINANCE CHARGE {$5.00} XX/XX/XXXX PAYMENT-THANK YOU - {$110.00} XX/XX/XXXX FINANCE CHARGE CREDIT - {$4.00} XX/XX/XXXX FINANCE CHARGE {$4.00} XX/XX/XXXX PAYMENT-THANK YOU - {$33.00} XX/XX/XXXX PROMOTIONAL TO REVOLVING {$82.00} XX/XX/XXXX PAYMENT-THANK YOU - {$88.00} XX/XX/XXXX PAYMENT-THANK YOU - {$67.00} XX/XX/XXXX PROMOTIONAL TO REVOLVING {$37.00} XX/XX/XXXX PAYMENT-THANK YOU - {$280.00} XX/XX/XXXX PROMOTIONAL TO REVOLVING {$56.00} XX/XX/XXXX PROMOTIONAL TO REVOLVING {$35.00} XX/XX/XXXX PAYMENT-THANK YOU - {$100.00} XX/XX/XXXX PAYMENT-THANK YOU - {$150.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$170.00} XX/XX/XXXX PAYMENT-THANK YOU - {$180.00} XX/XX/XXXX XXXX XXXX XXXX PROMO RETURN - {$31.00} XX/XX/XXXX XXXX XXXX XXXX PROMO RETURN - {$32.00} XX/XX/XXXX XXXX XXXX XXXX PROMO RETURN - {$34.00} XX/XX/XXXX XXXX XXXX XXXX PROMO RETURN - {$240.00} XX/XX/XXXX PAYMENT-THANK YOU - {$180.00} XX/XX/XXXX XXXX XXXX XXXX PROMO PURCHASE {$150.00} XX/XX/XXXX XXXX XXXX XXXX PROMO PURCHASE {$31.00} XX/XX/XXXX XXXX XXXX XXXX PROMO PURCHASE {$79.00} XX/XX/XXXX PAYMENT-THANK YOU - {$150.00} XX/XX/XXXX XXXX XXXX XXXX PROMO PURCHASE {$340.00} XX/XX/XXXX XXXX XXXX XXXX PROMO PURCHASE {$86.00} XX/XX/XXXX XXXX XXXX XXXX PROMO PURCHASE {$98.00} XX/XX/XXXX XXXX XXXX XXXX PROMO PURCHASE {$24.00} XX/XX/XXXX XXXX XXXX XXXX PROMO PURCHASE {$4300.00} The extra payments made on or before the expiring due dates were not fully credited to the expiring promotional balances and moved to a interest charged revolving account.
01/19/2022
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
OK
73446
Web
I was sued by XXXX, XXXX and XXXX on behalf of XXXX XXXX XXXX. XXXX claims that I owe them moXXXX XXXX XXXX XXXXnt accounts.
XXXX XXXX : Comenity Bank ( Victoria 's Secret ) {$3300.00} Comenity Bank XXXX XXXX XXXX ) {$2900.00} Comenity Bank XXXX XXXX XXXX XXXX$3400.00} XXXX XXXX XXXX XXXX$970.00} Through extensive research I learned that XXXX and its affiliates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have been sued by CFPB for issues such as mine.
XXXX along with it attorneys continue to pursue debts collections with no legal grounds to do such. XXXX XXXX XXXX through its Attorneys XXXX, XXXX and XXXX filed multiple lawsuits against me in XXXX and XXXX which they were granted without providing any legal documentation to do so.
I first disputed these debts on XX/XX/XXXX via email with XXXX, XXXX and XXXX. I received no response and wrote another email on XX/XX/XXXX after receiving another letter by mail from XXXX. On XX/XX/XXXX I finally received a response from XXXX XXXX from XXXX office stating that due to privacy they could only speak with me via phone.
XXXX continued to refuse to speak with me EXCEPT for by phone. I feel that this is because they do not want the communication in writing.
After numerous disputes and failed/ ignored request for documents bearing my signature, and proof that I have any legal obligation to XXXX they filed suit against me in district court.
I had never been through anything like this. I appeared the day of court with copies of all the emails showing my request and stated they had yet to provide me with any documents other than 1 page copies of statements. Unfortunately because I didn't provide these prior to court my please fell on deaf ears and XXXX was granted judgement.
Following that they are now posting small {$10.00} or less payments on these accounts each month which are not being made by me. I feel they are falsifying payments in an effort to keep these accounts active and extend time limits.
This company has destroyed my credit. I cant buy anything, not a car, a house, NOTHING!
EVEN AFTER JUDGEMENT I have continued to seek proof from XXXX. I have specifically requested copies of contracts bearing my signature and was told by their employee " that I know better than to request that because everything is done online these days. '' The law specifically states I am entitled to that.
Your agency filed lawsuit filed on XX/XX/XXXX, which stemmed from a previous investigation and broken consent order that was put into place to avoid litigation from XXXX.
It is more than apparent that XXXX XXXX XXXX and affiliates continue to break the terms of the XXXX consent order by continuing to collect money from consumers like myself through regular collections as well as the filing of lawsuits when they do not possess the legal documents to do so.
XXXX states that they acquired these accounts XX/XX/XXXX. That date came after XXXX consent order and before the XXXX suit filed by CFPB.
I have continued to requested multiple times for XXXX to provide me with proper documentation that they have a legal right to collect any monies from me.
The ONLY documentation I have every received from XXXX or their attorneys is a copy of final credit card statements.
Copies of credit card statements does not prove a debt. It is also appalling that it is my LEGAL RIGHT to be provided with the documentation I have requested and being told I know better than to request such.
XXXX XXXX XXXX has deliberately not upheld the law and sought illegal judgement against myself and countless other consumers.
XXXX XXXX XXXX through there improper, deceitful and phony business practices has ruined my credit, which has prevented me from even being able to own a home.
These debts have been disputed with the major breuaes countless times before any judgement was filed and following and XXXX always reports back to the bureaus that they are correctly reporting which is yet another falsified action on their part.
I wish to have all of my accounts with company dismissed, and removed from my credit report at once.
It is my hope that you can assist me in this matter. This company can not be aloud to continue to lie and take advantage of consumers.
Any help with this matter would be greatly appreciated.
06/25/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
PA
17815
Web
I made a {$40.00} payment on my Victoria 's Secret card on Friday, XX/XX/XXXX, towards a small purchase made on XX/XX/XXXX. I typically don't get online until around XXXX or XXXX. I got the confirmation screen saying the payment was complete but I didn't write down the number because I've never had issues with making payments to them before and just took it for granted that if the confirmation screen showed up, the payment went through.
Well, no confirmation email ever showed but I hadn't used the card since XXXX or something so I couldn't remember if I even had it set to send me email notifications about payments. I always pay my bills on or just after payday ( twice a month ) and I pay the bills based on what is due that pay period. This is when I also balance my checkbook. Since my bank switched to dual factor identification, I now have to get a code texted to me. I get charged fees for texting, so I only balance the account twice a month on paydays when I pay that pay period 's bills.
Depending on how each company has their payment system set up, sometimes this means I'm paying the payment on the actual day I'm making the payment, and sometimes it has the date automatically set for the payment due date. I did not change whatever the date was for this card when I made the payment on it. I just take everything out of my checkbook the day XXXX sit down to do my bi-monthly bills so I know everything is taken care of and I can rest easy until next pay period.
When it hadn't come out of my account I just figured that I must have the due date wrong in my planner since it had been so long since I'd used it. XXXX is a long time not to use a card and I had a habit of paying in store on the day I'd make purchases back when our local store was still open. Well, I got a bill with a {$28.00} late fee and the statement did not show my XX/XX/XXXX payment ( which would have been on time ). I called the company and the girl on the phone asked if I wanted to dispute it. I said yes because I know I got the confirmation page when I made my payment.
I have not had access to my account since XX/XX/XXXX when I made that ill-fated payment. Every time I try to log in I get an error screen. I've tried using different internet browsers, clearing my cache and cookies, etc. Nothing works. They have me completely locked out of my account. I'm not going to lie, it freaks me out. I don't like being denied access to my own information. To me that is weird and suspicious. The only logical reason I can find for why they would need to lock me out of my account and deny me access to my information is because they have something to hide. I could understand certain features being unavailable or something, but not a total lockout.
They sent me a letter saying they could find no record of the payment, but I know XXXX well I got the confirmation page after paying. It hasn't come out of the account so obviously the payment didn't go through, but I am really not liking this whole not having any access to my account thing that has been going on since XX/XX/XXXX, or having to pay late fees on something I know I made the payment for.
Where the XXXX did my payment information go? They use your checking account information, so basically my whole bank account info, my full name, address, etc are potentially affected. Did their site get hacked and now my information is floating around out there somewhere on the dark web? Are they covering up a massive data breech and trying to profit off of it at the same time? It was a Friday night, so were they working on the site? Did they fail to post a message the the site would be down for maintenance? Did site maintenance interfere with the payment processing? Why have I been locked out of my account for 2 months? What are they trying to hide?
I do not feel their payment website is safe, secure, or working appropriately. The only reason I even made a purchase with this card was solely to keep it active. I didn't want the account to close because I have amazing credit and I want to keep it that way. Now, I wish I had cut the XXXX thing up in anger after they closed our local store, let the account close, and taken the " closed due to inactivity '' hit to my credit score. I hate buying those sorts of things online anyway and the nearest stores are 45 minutes or more away.
10/08/2018
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
NJ
07205
Web
I've been contacting her since XXXX. CFPB has allowed XXXX XXXX to lie, deny and continue to lie and sabotage my account with claims CFPB hasn't sent recordings to XXXX XXXX re : debt I never tried not to pay. I contacted OMSMANBUD to further assist. Since my last email here with recordings each time nothing is being done.
I'm very ill XXXX XXXX has denied and cut off my hardship plan I that did not end XX/XX/XXXX as stated. 2 recordings with reps stating it ended XX/XX/XXXX after the fact when I was calling XX/XX/XXXX and XX/XX/XXXX with reps lying telling me it ended XX/XX/XXXX.
XXXX XXXX has forced my account to increase, I wrote here telling CFPB month after month. I kept calling XXXX in my situation harassed, denied another plan recorded to date they refuse to give me. Instead forcing my account into default.
I've had it, I did not have XXXX dollars to send when XXXX reps lied hardship ended. I could have sent the XXXX dollars it was.
2 Sundays ago XXXX at XXXX XXXX badgered me so badly I was told to ask for a writ-off since I may not live XXXX said " I don't know how to say this but you may have to die then it will be written off '' I told CFPB he said that, CFPB HAS YET TO CONTACT THESE PEOPLE OR XXXX XXXX AT XXXX XXXX XXXX WHO OWNS XXXX AND REPORT THESE REPS. You heard recording I sent here. XXXX reps said CFPB SENT NOTHING.
CFPB can hear XXXX also tell me after I begged XXXX to put me back on Hardship that did not end XX/XX/XXXX it was XX/XX/XXXX THIS IS HARASSMENT I told XXXX I will beg to get money so ( as XXXX stated ) I'm taking money from him I said I will beg to pay XXXX said " YES YOU CAN ASK DOCTORS AND NURSES TO HELP AND DO XXXX ''. I cried as this man Dehumanized me and stated to him " You don't know if I have hands or arms, my history I paid my debt MY HEART HURTS I DID NOT DO THIS YOU ALL XXXX DID THIS WHEN YOU REMOVED MY NUMBER, STOPPED CALLING LAST CALL WAS IN XX/XX/XXXX WHEN I WAS LATE FROM A NICE LADY THEY SABOTAGED MY ACCOUNT REMOVING MY NUMBER WHEN I WAS IN A XXXX.
NO ONE COULD PAY BECAUSE XXXX OR XXXX NEVER CALLED ME SINCE XX/XX/2017. It was me who called, paid triple bill when I semi recovered in XX/XX/XXXX after that I begged and pleaded for account that was SABATOGED THE DAY MY NUMBER WAS REMOVED. BUT I PAID AFTER XXXX AND THESE REPS HAS TOLD ME MONTH AFTER MONTH THEY DO NOT CARE THAT I WAS ILL AND STILL FIGHTING FOR MY LIFE. THEY SAID I'M TAKING FOOD OUT THERE MOUTHS, REFUSED TO LISTEN TO CALL THAT ARE NOW GOING ON SOCIAL MEDIA TO GET HELP CFPB DID NOT HELP ME.
XXXX SAID HE DIDNT CARE " THIS IS HOW THE WORLD IS NOW '' REALLY TO DAMAGE HELPLESS PEOPLE WHO CALL YOU EVERY MONTH WHILE YOU LIE AND FORCE AN XXXX DOLLAR ACCOUNT UP TO XXXX. IT'S NOW BEEN FORCED UP TO XXXX AND I NEVER TRIED TO HIDE. THEY WONT CALL ME I REPORTED TO CFPB NOW IT 5 MONTHS LATER XXXX AFTER XXXX LIE AFTER LIE DENIED A XXXX PLAN SINCE XXXX FEMALE REP TOLD ME ABOUT WHEN SHE TOLD THE TRUTH- '' MS XXXX YOUR HARDSHIP ENDED XX/XX/XXXX ''. AND IT SAID AGAIN XX/XX/2018 " ENDED XX/XX/XXXX '' BY ANOTHER REP WHO CLAIMED SHE'D HELP AND TRANSFERED ME AGAIN TO XXXX I REPORTED TO CFPB WHO DENIES HELPING ME SINCE XX/XX/XXXX. XXXX TRANSFERED ME TO XXXX AGAIN XX/XX/XXXX, AND SHE CONTINUES TO LIE AND DENY ASSISTING. THEY KNOW ITS ME CALLING.
I SENT RECORDING WITH REP ACCUSING ME OF HARASSING THEM AND ALL I WANT TO DO IS GET THE XXXX DOLLAR PLAN 3 REPS MENTIONED IN RECORDING AND THEY WONT ADHERE.
THIS PAST SUNDAY XXXX WAS GOING TO PUT ME ON THE PLAN THEN SAID NO TRANSFERED ME AGAIN TO XXXX AND THE ABUSE LIE TACTIC CONTINUES MONTH AFTER MONTH THIS IS WHAT XXXX HAS BEEN DOING BECAUSE THE REP SAID " YOU CALL HERE ALL THE TIME HARASSING PEOPLE I'M READING WHATS ON YOUR ACCOUNT ''. I ALMOST WENT INTO XXXX XXXX BEING TOLD THAT WHEN ALL I WANTED TO DO WAS PROTECT MY NAME AND HISTORY.
BUT CFPB LISTENS TO XXXX MAKE STATEMENTS " I'M GOING TO DIE ANYWAY THEN IT CAN BE WRITTEN OFF ''. I ONLY ASKED FOR WRITE-OFF BECAUSE XXXX INTENTIONALLY FORCED MY CREDIT INTO DEFAULT TO GAIN MORE MONEY I SUPPOSE FOR THEMSELVES.
ALL THE INFO SENT TO CFPB IS GOING TO XXXX, SOCIAL MEDIA, BLAST WHATEVER IT'S CALLED SO THIS WILL NOT HAPPEN TO ANYONE ELSE. I WROTE HERE MONTH AFTER MONTH FOR CFPB TO ALLOW ABUSE BY XXXX AND EMAIL ME BACK " THIS LOOKS LIKE A DUPLICATE ''. I'M ILL THIS IS WRONG
10/18/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
MI
49022
Web
Older American
Subject : Victim of Data Breach - Hurt, but more scared HOW my SSN was obtain/utilized without my knowledge/authorization.
Since most of my knowledge is from the 19th century, and were currently in the 21th century, I do realize businesses have revolutionize their computer procedure over the years related to processing a Credit Application. I personally only know of 3 Consent Category to process a credit application for a credit cards, loans, etc.
( 1 ) Consumers fill out a credit ( hard copy ) application with the consumers signature.
( 2 ) Consumers consent to a ( recorded phone conversation ) for a credit application.
( 3 ) Consumers consent to credit application by the way of the consumers electronic online signature or a Verbal Agreement between two parties on various devices ; such as POS Registers or Tablets, etc., at that point, the consumers received Real-time approval.
Please read timeline Documents : XXXX XXXX dated XXXX, 3 XXXX XXXX XXXX Call logs XXXX and 1 XXXX XXXX XXXX Call log XXXX, 2 correspondences to XXXX dated XXXX, 1 Updated correspondence to XXXX dated XXXX, 1 correspondence to XXXX dated XXXX mailed, 1 correspondence to XXXX dated XXXX mailed. Correspondence from XXXX and to XXXX of XXXX XXXX, XXXX ( ID XXXX ) and correspondence from and to XXXX : credit file XX/XX/2019, Confirmation # XXXX against Comenitybank/XXXX Mastercard There were NO exposure or authorization for a credit card application before, on, or after XXXX XXXX, to anybody from Comenitybank/XXXX store to utilize my SSN. I received my mail XX/XX/2019 and just found out from XXXX that I was supposed to have applied for a XXXX Mastercard.
On XXXX before XXXX XXXX to dated XXXX, I have not received a Credit Card rejection letter from Comenitybank/ XXXX where I am supposed to have requested a credit card. However, Comenitybank/ XXXX wrote to XXXX after my first complaint to XXXX on XXXX. Message from Comenitybank : Inquiries are a factual record on file access SEE BACK UP Confirmation # XXXX, dated XXXX Today XXXX @ XXXX, I received a letter in the USPS mail box from Comenitybank . Their letter stated in part, they were unable to approve my application because they could not verify my SSN I provided in the application against information they obtain from the credit-reporting agency. I am confused because Comenitybank in fact did obtain my Social Security number and cause three negative impact : ( 1 ) A Hard Inquiry posted on XXXX which will stay on my credit report for 2 years and ( 2 ) A Hard Inquiry which caused my credit score to drop by 2 points ( 3 ) Both activity caused me extreme distress. The resolution : ( 1 ) I should receive {$500.00} compensation and ( 2 ) Comenity Bank need to delete the hard inquiry posted on my XXXX report.
I have 2 Questions to Comenitybank/XXXX : ( 1 ) Comenitybank/XXXX admitted in writing to XXXX they have my information on file to access at will. Therefore, If I or a criminal give out correct but limited information EXCLUDING my social security number ( part/whole ) Comenitybank automatically thinks its XXXX XXXX and preform a Hard/Soft Inquiries for such items as a loan, mortgage, cars, credit cards, etc. Does Comenitybank/XXXX have my signature on file next to my SSN to release information to all 3 credit bureaus? Which Consent Category do I fixed in above? I need to be compensated for extreme distress.
( 2 ) In Comenitys letter dated XXXX, they told me my credit score as of XXXX which is additional proof they did obtain my correct SSN. I did not expose my SSN on XXXX to anyone nor asked for a credit application ; Who gave permission to have a Record on File Access to Comenitybank/XXXX?
Finally, Comenity Bank has always had all my information including my SSN in their database for years, I can show proof. Its common sense, Comenity Bank would not be able to verify my Social Security number against the credit-reporting agency because as soon as I received the notification on my cell phone from XXXX XXXX early XXXX, I called instantly all 3 Credit bureau and asked them to put a Fraud Alert on my account because of the hard inquiry done XXXX with XXXX. SEE XXXX XXXX XXXX CALL LOGS. The hard inquiry dropped off on XXXX and XXXX.
Today XXXX, I plan to USPS mail hard copies as back up, if the uploan do not work.
12/15/2017
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
FL
33145
Web
I am the victim of confusing and misleading advertising and lending practices by Comenity Capital Bank and XXXX XXXX During XXXX XXXX I walked into an XXXXXXXX XXXX location to learn about its services. The cost of the services was quoted as {$5000.00}, and I was informed that I was approved for {$10000.00} in credit on an XXXX XXXX Comenity Capital Bank credit card to use for my purchase. This credit account officially opened on XXXX XXXX.
At no time during my meeting with the XXXX Image representative was I ever verbally informed that this was a promotional credit offer that would expire at a certain time resulting in a balloon addition of alleged interest to my balance. Instead I received a large folder full of coupons for XXXX XXXX flyers, and a printed out agreement and receipt. This " promotion '' was possibly buried and hidden within this folder.
I began paying my monthly bill via the online portal at comenity.net/idealimage. Their system is set up so you can only schedule a couple of payments, so each month/bi-monthly I would log into the account/portal and pay my bill. Nowhere on the home page, and nowhere prominently displayed was there ever any message warning me of the promotional nature of my account and the consequences of a failure to pay off my entire balance by a certain date - that there would be drastic consequences for me.
Then as of XXXX XXXX my balance was paid down to {$2100.00} - always using the online portal. Then on XXXX XXXX, XXXX I received an email alert stating that my balance was now {$4000.00}.
When I logged into my online account portal and viewed my home screen I saw no explanation for this drastic change in my account. Then I scrolled to the very bottom of the page where there is an option to download PDFs of statements. On the statement I saw that an interest charge of {$1900.00} ( in the form of an " PROMO FINANCE CHARGE ADJ '' ) was added to my balance on XXXX XXXX, XXXX.
When I called the only defense for this was that my statements included a statement that if I did not pay my entire balance by XXXX XXXX, XXXX that all accrued interest would be added to my balance.
I feel victimized by confusing and misleading advertising and lending practices by Comenity Capital Bank and XXXX XXXX for the following reasons : 1 ) The in-store XXXX XXXX representative never mentioned this promotional finance charge or its consequences.
2 ) The true nature of the finance charge was never discussed but possibly hidden in a bundled folder I received during my store visit of miscellaneous materials, if at all.
3 ) I opted into the Go Green online option and only used the online payment portal without using paper statements. Confusingly and misleadingly, the information about the promotional finance charge and deadline was not displayed in a Green-Friendly online Format ( and instead hidden in paper PDFs that I did not have to look at in order to pay my bills ) 4 ) The home screen in the online portal/payment portal never displayed an Alert or Notice about the promotional finance charge. A change of this magnitude should be displayed prominently and clearly - which it was not.
5 ) There were other Alerts displayed on the online portal homescreen ( of which I took a screenshot as an example ) but never an alert for this most important detail regarding a promotional charge resulting in a huge balance increase to my account.
6 ) Any information about the promotional finance charge was instead hidden in the PDF paper statements and never displayed with all of the payment notices and options in the online portal pages.
XXXX XXXX After calling in to Comenity Capital Bank customer service to express my concern I looked at the XXXX PDFs and noticed that this alleged notice was not even included in all of the statements. For XXXX XXXX years it was not included, then it appeared. 8 ) Although Comenity sent me monthly emails with details about my account it never sent an email alert about this promotional finance charge or its consequences. ( I have also saved PDFs of the entire emails as an example. ) 9 ) Comenity failed to ever send me a secure message within the online portal about this detail ( I have also saved a screenshot of my secure message inbox in my account as an example of this. )
02/18/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TX
77085
Web
To Whom It May Concern, My name is XXXX XXXX, I obtained credit with XXXX XXXX on XX/XX/XXXX and purchase a few items for my grandchildren. I later returned the items to the store in XXXX because there grandfather had already made a purchase at XXXX XXXX for the grandkids, however I can not remember the date. As months passed I started to receive calls that I was past due on my monthly payment. I didnt make payments because I returned the merchandise. I made payments on the credit card due the negative reporting and after not receiving a phone call from a representative to resolve the return merchandise I proceed to make payment in good faith that this error will be rectified. I have spoken to several representative about this unresolved issue but have not received any resolution. I spoke with XXXX who provided me with a case number and receipt via email and instructed me take the receipt to the XXXX store and have the store Manager resolve this issue because they will have access to identify the return. Also if the event the store manager could not resolve this issue then call back and reference to case number XXXX and they would handle it. I spoke with XXXX recently on XX/XX/XXXX and informed her of the issue and she stated why the store didnt credit the account. I stated because they are unable to locate the account in the system and I do not have a newly issued card from XXXX XXXX. In the past months I have spoken with several representative and received numerous instructions to contact the store where I purchased and returned the items, too I can not locate your account in the system, basically at the end of the day there has been absolutely no resolutions with conveying the information to the XXXX XXXX store manager in XXXX, XXXX XXXX or XXXX XXXX Customer Services.
I went into the XXXX location on several occasions and spoke with XXXX XXXX, the store manager store on several occasions. I have to give praise where it is due! This lady has provided outstanding customer service then I have received from upper management levels via customer at XXXX XXXX and XXXX XXXX Customer Relations. It warms my XXXX that there are still people like XXXX that will go above and beyond to provide exceptional customer services, even in the midst of her changing store locations she returned my calls and tried to assist me in any way she could. She apprise me that when I opened the account it was with XXXX which is no longer a provider of XXXX XXXX and that because I was never issued a new card she would have to speak with her manager.
On XX/XX/XXXX I spoke to XXXX, ref # XXXX and he informed me that the {$190.00} would be reversed to my account and they would submit documentation to update my credit file. He also stated that it could take 7-14 busines days and about 30-45 days to update on my credit file. I recently to a hit of a 49 points to my credit file on XXXX.
I contacted XXXX XXXX about 20 days later to find out that I was given the wrong information. The representative was very rude. She went on to say that they could not find the transaction and that in order for my account to be credit the {$190.00} that I would have to produce a receipt. This is unacceptable. I can not find the receipt however XXXX stated the store level would handle this matter.
Lastly, I am a victim of Hurricane Harvey here in XXXX Texas, prior to the hurricane I was planning to refinance my house. Now I am faced with damages that needs repairing to my existing home however this account has weighed heavily impacted my credit negatively and tremendously with XXXX XXXX and XXXX that I am unable obtain a SBA loan to get repairs completed or refinance my home at this time When I opened the account it was {$250.00}, now my balance is {$540.00} with a most recent increasement of {$37.00} reported to all 3 credit bureaus. I would like the balance of XXXX update and contact the ( 3 ) credit bureaus to update my credit report with to remove the negative reporting. I the meantime I have tried to make payments on the account which I am obligated to because the account is current if the XXXX would be applied and the late fees of XXXX would be removed. I have since continue to dispute this account because this account has Thank you in Advance, XXXX XXXX
12/15/2017
Yes
Debt collection
Credit card debt
Communication tactics
Used obscene, profane, or other abusive language
NY
11217
Web
On XXXX/XXXX/XXXX I received a call at XXXX XXXX from a customer service rep in the Financial care Department XXXX XXXX bank. XXXX XXXX bank, XXXX XXXX XXXX, XXXX OH XXXX, works on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. The call on XXXX was one of 4 calls that I have received throughout the year from XXXX XXXX financial care dept. They make these calls if you have missed a payment. Each call that was received came in as UNKNOWN on my caller ID, with a representative that refused to provide their name unless I confirmed my name, with a representative that refused to say where they are calling from, unless I confirmed my name, and with the need to be outright disrespectful, arrogant, and with a vocabulary filled with disdain. on XXXX/XXXX/XXXX, the call I received forced me to confirm my name to someone who refused to identify where they were calling from until after I confirmed my name. From there the representative proceeded straight into how I would like to make my payment and with which account.
There was no '' I would like to discuss your account with you, if that 's okay? concerning a possible missed payment '' There was only what card will I used. Already sick and tired of these types of phone calls from XXXX, I proceeded to advise the representative that she was prohibited under NYS law to call me from a blocked number as a rep.from collections, and without proper identification. She proceeded to talk over me and to tell me how I do n't know about the banking industry.. ( little does she know ). Realizing that I was dealing with an imbecile I decided to hang up. I called back and asked to speak to a supervisor. Someone by the name of XXXX appeared on the line. And I say someone, because initially I thought I was speaking to a supervisor who in fact was not. As I was issuing my complaint she kept explaining her self, and reiterating what rights the bank had. And stated that I had told the previous rep not be contacted, and if I wanted to validate that. ( i never said that ) I advised her that if they can not speak to me on a professional level, and with respect they could not contact me. She proceeded to ask the question again. and I again i gave the same answer, again she asked and again I gave the same answer., again she asked, and again i gave the same answer ... She enjoyed the back and forth, and of course she got frustrated, and offered to file a complaint on my behalf. yet she had no complaint number to offer me when I asked her. she could offer me nothing. She only offered to put put her supervisor on the phone to assist me further. Her name? XXXX. Upon speaking with XXXX thats when I was able to confirm that in fact XXXX is not a supervisor but a lead.. ( I worked in customer service and I know what a lead is ). XXXX listened as I spoke, but only because I placed emphasis on my authority so I could speak. there seems to be a problem at XXXX with listening before speaking. Her response was yup yup yup, AHA, okay yea, all remarks that for me are considered to be unprofessional. But, shes from the midwest so that way of speaking appears acceptable. After lodging my complaint with her she claimed that she would review my previous conversations and agrees that such behavior is not acceptable, and that it should not have happened. The funny thing is that it 's happened 4x in the past year which means that the behavior is accepted by XXXX in Ohio as a valid practice. She stated that she would look into this further, and we ended the conversation based in her guarantee. The problem? I do n't foresee this being resolved by XXXX, I believe that the fact that I mentioned that I am familiar with the banking industry, and that I am very familiar with how customer service works, and that I am recording my conversation for my quality assurance, created a shift in the conversation. If XXXX 's phone calls were independently monitored for professional conduct neither one of those employees that verbally assaulted me, would have had a job left. To top it off each time i spoke with a representive they were belligerent the moment I mentioned the law to them, and would be quick to say how they would not my account on how I refuse to make payment or cooperate or in the last instance that I claimed not to call me.
11/26/2017
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
TX
75182
Web
Servicemember
XXXX XXXX XXXX I am an XXXX veteran, proud to have served my country and proud that the Consumer Protection Financial Protection XXXX exists thanks to democratic ideals and social and economic justice.
Below is a copy of letter sent to XXXX XXXX XXXX
Unknown person applied online for a credit card with XXXX XXXX XXXX XXXX.
Bank/Store immediately approved the online application without any form of verification.
I confirmed this practice when I did an online chat.
XXXX XXXX sent me copies of the screen shots showing that they approved application from the crook in less than XXXX minute.
They also had the XXXX to send a bill to me for the {$2400.00}, after I am the one who caught the fraud over a month prior. The account still remained open despite my report of fraud.
Over the course of almost two months, I made multiple phone calls to the Bank and XXXX XXXX XXXX to ask what investigation took place and outcome. No one returned my calls, except XXXX at the bitter end.
XXXX XXXX XXXX simply closed the fraudulent acct without investigation. I reminded the Investigator that I had replied to their form letter quoting the Freedom of Information Act and also sent out this letter copied below. No response from Comenity Bank, other than to abruptly cut me off and say I had not filled out their form to investigate.
Investigator added that I was not responsible for the charges, as if that was the solution.
No change in practice from the Bank.
XXXX has also dropped my credit score based on several inquiries they made without my knowledge or permission.
The credit bureaus could not identify why this was done and reported they could not restore my credit score.
Banks should not be allowed to open credit cards online without proper identification of the requestor, particularly in light of the XXXX breach and Government breach.
See letter below.
XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Case # XXXX XXXX Fraudulent opening of credit card without verification and fraudulent charges of {$2400.00} On XXXX Acct #? used for purchases at XXXX XXXX Department XXXX XXXX, NY.
Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the XXXX XXXX XXXX business education publication on this topic.
Enclosed with this request is the following documentation, as applicable : 1. Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and 2. Proof of my claim of identity theft : A copy of the XXXX police report about my identity theft ; email address is XXXXXXXXXXXX XXXX Police Department XXXX XXXX Unit XXXX XXXX XXXX XXXX XXXX, Texas XXXX Telephone : XXXX A completed FTC Identity Theft Report Please provide all records relating to the fraudulent transaction/account, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address.
In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you.
Please also send copies of all records to this officer.
If you have any questions concerning this request, please contact me at the above address or at my work number or cell Sincerely, Name in original letter was sent Cc : XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX New York, NY XXXX
04/30/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
VA
23323
Web
From : YouSent : Tuesday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXXSubject : Re : Account StatusMessage ID:XXXX IT WAS NOT RESOLVED I AM CONTACTING THE XXXX XXXX XXXX AND THE STATE ATTORNEY GENERALS OFFICE YOU DOUBLE BILLED ME AND WONT TAKE IT OFF TOTALLY ILLEGAL From : XXXX XXXXSent : Tuesday, XX/XX/XXXX XXXX XXXX ( ET ) To : YouSubject : Re : Account StatusMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
XXXX XXXX issues your account and responds to all credit related inquiries.
I see that you also contacted our customer service department on XX/XX/XXXX, and your matter was resolved. I'm happy to hear that. Please let me know if there's anything else I can do for you.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX. XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- tHE BALANCE ON MY ACCOUNT IS {$140.00} ACCORDING TO MY XX/XX/XXXX STATEMENT.
mY PURCHASE OF {$310.00} IS POSTED AS IS THE {$39.00} MAKING MY BALANCE {$490.00} UNLESS YOU HAVE SOMETHING ELSE THAT I HAVE NOT AUTHORIZED MY BALANCE IS INCORRECT ACCORDING TO YOUR RECORDS??
THIS GREATLY CONCERNS ME AND I HAVE MADE A PAYMENT OF {$75.00} I WANT AN ITEMIZED STATEMENT ON MY ACCOUNT FROM XX/XX/XXXX FORWARD SINCE I CAN NOT FIGURE OUT WHAT YOU ARE TALKING ABOUT AND YOU OBVIOUSLY ARE NOT AWARE YOU HAVE ALREADY CHARGED ME.
See below : XX/XX/XXXX {$310.00} {$0.00} {$0.00} {$0.00} {$310.00} XXXX XX/XX/XXXX {$200.00} {$0.00} {$5.00} {$0.00} {$210.00} XXXX XX/XX/XXXX {$39.00} {$0.00} {$0.00} {$0.00} {$39.00} XXXX XX/XX/XXXX {$110.00} {$0.00} {$0.00} {$0.00} {$110.00} XXXX XX/XX/XXXX {$120.00} {$0.00} {$0.00} {$0.00} {$120.00} SIMPLE MATH AND I WANT THIS CORRECTED IMMEDIATELY!!!
From : YouSent : Monday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXXSubject : Re : Account StatusMessage ID:XXXX tHE BALANCE ON MY ACCOUNT IS {$140.00} ACCORDING TO MY XXXX STATEMENT.
mY PURCHASE OF {$310.00} IS POSTED AS IS THE {$39.00} MAKING MY BALANCE {$490.00} UNLESS YOU HAVE SOMETHING ELSE THAT I HAVE NOT AUTHORIZED MY BALANCE IS INCORRECT ACCORDING TO YOUR RECORDS??
THIS GREATLY CONCERNS ME AND I HAVE MADE A PAYMENT OF {$75.00} I WANT AN ITEMIZED STATEMENT ON MY ACCOUNT FROM XX/XX/XXXX FORWARD SINCE I CAN NOT FIGURE OUT WHAT YOU ARE TALKING ABOUT AND YOU OBVIOUSLY ARE NOT AWARE YOU HAVE ALREADY CHARGED ME.
See below : XX/XX/XXXX {$310.00} {$0.00} {$0.00} {$0.00} {$310.00} XXXX XX/XX/XXXX {$200.00} {$0.00} {$5.00} {$0.00} {$210.00} XXXX XX/XX/XXXX {$39.00} {$0.00} {$0.00} {$0.00} {$39.00} XXXX XX/XX/XXXX {$110.00} {$0.00} {$0.00} {$0.00} {$110.00} XXXX XX/XX/XXXX {$120.00} {$0.00} {$0.00} {$0.00} {$120.00} SIMPLE MATH AND I WANT THIS CORRECTED IMMEDIATELY!!!
From : XXXX XXXXSent : Sunday, XX/XX/XXXX XXXX XXXX ( ET ) To : YouSubject : Re : Account StatusMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
XXXX XXXX issues your account and responds to all credit related inquiries.
Our records indicate that the credit limit on your account is {$750.00}.
Since, there is an unposted transaction of {$310.00} ; your available credit limit is {$0.00}. Also, the current balance on your account is {$490.00}.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, I. XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I have a limit of {$750.00} I have {$490.00} charged and it is showing XXXX available??? Why??
I have not missed a payment and pay more than what is expected every month?
Is there a Charge I am not seeing?
Thanks, XXXX XXXX From : YouSent : Friday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXXSubject : Account StatusMessage ID:XXXX I have a limit of {$750.00} I have {$490.00} charged and it is showing XXXX available??? Why??
I have not missed a payment and pay more than what is expected every month?
Is there a Charge I am not seeing?
Thanks, XXXX XXXX
02/22/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
FL
34698
Web
Servicemember
Comenity Capital Bank XXXX XXXX XXXX XXXX, OH. XXXX I am writing this in concern to detrimental and false inaccurate reporting of the Comenity account on my credit file. Attached you will find copies.
RE : Account Number XXXX I recently pulled my credit reports and noticed there were false payments being reported on this charged off account across all three credit bureaus. The credit file states that there were XXXX on-time payments during the life of the account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; however, I have never paid on this account ( pandemic ). I also noticed the credit limit magically increased a year later, on it's own, mind you this is not a physical credit card, it is a credit line at a dental office for XXXX procedure.
Upon my research, Ive learned that creditors may often post false payments to extend or manipulate the statute of limitations. I also found a recent lawsuit ( XX/XX/XXXX ) that claims Comenity for FCRA violations as well. Allow me to post that here : " Civil Action XXXX XXXX XXXX XXXX Plaintiff v. COMENITY BANK/CAESARS, Defendant '' " XXXX asserts a claim under the FCRA based on the following : that Comenity falsely reported incorrect debt information to the national credit reporting agencies including but not limited to, the incorrect debt amount, account status, and status update. ( Id. ) '' citation : https : XXXX The entire time I have had this one thousand dollar debt, I have never made a payment. Allow me to understand why my credit reports shows that XXXX ( XXXX ) on-time payments were made and are on file. Once these false on-time payments were magically submitted, that allowed the debt to completely start over and for Comenity to keep calling me. Please show me proof that I made these payments. The dates that show on-time payments are as follows as shown on the credit reports : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please see XXXX report highlighted attached with the false " on-time payments '' to reset the debt.
In regard to the falsified credit limit increase, while reviewing my credit reports, I also noticed the credit limit increased without my permission or knowledge in XXXX of XXXX, also see attached, circled. The original dental bill was {$1000.00}, in XXXX of XXXX XXXX, the credit limit magically increased to {$3900.00}. Need I remind you, this is not a physical credit card. This credit line quote was for a one time dental procedure.
I feel as though I am a victim of fraudulent activity. Someone reported those payments to keep the account active and accessible to attempt to collect the debt as well as increased the credit limit without my permission or acknowledgement.
Prior to sifting through my reports and finding these errors, I started to receive phone calls from XXXX XXXX XXXX who tells me Comenity Capital Bank had now sold the debt to them. Now that I am financially stable and, in the market, to finally purchase a house ( the entire reason I pulled my credit reports ), I went ahead and paid the debt in full through XXXX XXXX XXXX, their debt buyer, on XX/XX/XXXX. Please see that receipt attached. This was prior to me finding out about the fraudulent activity that they were reporting on my credit file. I wanted to settle the debt and continue to search for a house for my family.
Due to the false and inaccurate reporting of on-time payments to extend the debt, and due to me recently paying the debt in full on XX/XX/XXXX prior to me finding the errors, I am simply requesting for this account to be removed permanently across all three bureaus and that the derogatory mark be removed as it is seriously affecting my credit score with this false information.
It is completely not fair to be held accountable for something that I did not do. The credit reporting agencies, the bureaus, are supposed to make sure everything in my credit file is the most accurate. I feel taken advantage of and I just want to move on with my life but this is extremely detrimental to my credit score and a violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I hope we can come to a fair agreement.
I appreciate your investigation into this matter CFPB, XXXX
10/22/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
RI
02920
Web
The account opened in XX/XX/XXXX with a 2 year no interest term. Its the third time I have used this rolling credit but in XX/XX/XXXX I was advised the company was ceasing business with XXXX and all open accounts would need to be closed instead of left revolving. I paid the account in full in XX/XX/XXXX paying the remaining balance on my statement. As there was no finance charge I did not expect more charges. The statement which I had delivered to my bank bill pay stopped coming after that as well, as expected since I owed nothing else. I then got a statement in late XX/XX/XXXX or early XX/XX/XXXX, while preparing for medical leave for XXXX. The balance was {$47.00} and I called and a woman indicated she was unsure why I got the bill and would have it investigated and Id be called back or get a revised statement. A few weeks later a new bill for over {$100.00} arrived. I also got a voice mail so I called back and was told my balance was over {$2000.00}. The call lasted for close to an hour but the rep and his manager confirmed it appeared that for no reason they could figure I had been charged for all the back finance charges but they could see I paid my balance in full. I was told the appropriate department to credit and fix was no longer in and they would elevate to get it corrected. Several weeks went but and I had not heard so I called back. The rep offered to escalate to her manager when he came on the line he was extremely abusive and harassing that I would either stay on the call while he listened to the earlier call or my dispute would be closed. I hung up after about 10-12 minutes of abuse and called back to get his info as he refused to give his name. The woman was helpful and asked to please get me a manager. That manager indicated that Id never been put through to a manager and he suspected the rep may have just had another rep come to her desk. I was again assured an issue would be elevated. That manager then indicated he could clearly see if paid off my balance ahead of time and promised to get the issue resolved. A few more weeks went by and I got a harassing message that as I had clearly refused to pay my bill or provide an attorney call I would be facing some legal issues. I called back and as she was out of the office by then I got a new rep. I explained my issues and she said she would elevate. Amazingly the following day her manager called me back! The story changed to now say I had somehow I failed to pay a late charge that hit my account on that last month in XX/XX/XXXX/XX/XX/XXXX and that because that {$37.00} was on the account when it closed I was charged for the full back finance charges and no dispute had been filed to date. I was transferred to a person to put in the dispute who told me it was the end of her shift so she would put the dispute in and Id hear back in a few weeks. She kept saying that I would probably be expected to pay something and I indicated I was not paying anything as I didnt owe it. She said well at least the old late fee, which I indicated I wanted back copies of bills since I had none from them over those last few months including to my bill pay which started back up when they decided to bill me sudddnly for XXXX. I do not currently believe them but I received a statement again for the full amount and today received a letter that in an effort to promote customer service they credited back all but just over {$800.00} and closed my dispute. There is no explanation to how they came up with this amount. I can never get anyone other than front line or alleged managers on the phone. I have not gotten any copies of old statements they claim I should have received ( no bills came in the mail in all that time either ). I called again tonight and was escalated to an alleged account supervisor named XXXX who refused to speak to me until I verified all my info again although she did confirm that XXXX had warm transferred me. I had verified on the automated system and with XXXX. Every time I tried to speak she would say Id love to help but you have to verify with me. I need to know who I am speaking with. I gave her my name and she said she only heard my first name and needed my last name again. That was the final straw.
09/30/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
94112
Web
I would like to report an upsetting shopping experience that happened to me and XXXX sisters on XX/XX/18 while we shopped at XXXX XXXX XXXX in XXXX XXXX in XXXX, California. I decided to open their store XXXX XXXX and XXXX credit card. We had a huge transaction so the cashier ( XXXX XXXX. ) told us she will divide the items into XXXX bags for us. While she was ringing up the transaction, my sister left to grab 2 more items. After the transaction was complete, the cashier handed us only 2 bags along with the receipt of {$340.00} instead of 3 bags that was mentioned. We asked her where is the other bag and she told us she left it on the counter. We told her none of us took any bags that was left on the counter. The cashier responded that XXXX of us could have grabbed the bag since there was XXXX of us. However, my sister was standing in the corner waiting for us empty handed. None of us left the premises of the store. I also want to mention that the register right next to us was also doing a transaction with another customer on the same counter, they could have taken the bag while we weren't looking. I was only paying attention to the screen while she was ringing up the items. We only realized the bag was missing after the transaction was complete and she handed us the receipt with only 2 bags.
We told the cashier that we didn't take the bag and we wanted her to review the security camera for evidence of who took the bag. She then told us that there is no camera in the store. The cashier did not directly hand us the bag in the first place and only placed it on the counter. She expected us to be responsible for the items when the items were stolen while the transaction was still in the process. We were forced to pay for the stolen items by the cashier and was told that she was not responsible for the items. Others around us told us we should call for security. Instead of helping us call for security, she told us we have to go outside of the store and find security by ourselves. We reported this incident to the security and also took down his contact information as a witness. The security ( XXXX XXXX, XXXX XXXX ) provided us his contact information ( XXXX ). He also spoke with the cashier about the incident. He also asked for the store XXXX but was told she was not in the store. We were just given the contact info of XXXX XXXX XXXX to get this incident resolved.
However, the number can not be reached to speak to someone directly about this.There were so many problems about how the purchase was handled. 1 ) The cashier never handed the bag directly to me. 2 ) She did not want to check cameras or give the refund because she did not want to take responsibility. These actions are an example of negligence of customer 's item and their protection.We are victims of shoplifting and this was occurred inside of the store premises. There were 8 items missing out of the 17 items we have purchased. The amount for the missing items is {$110.00}, I am seeking assistance in getting this amount refunded.
I have disputed this incident with XXXX Bank regarding the XXXX XXXX and XXXX billing statement. They have told me that I do not have to pay the balance until the issue is resolved after further investigation. A couple weeks later, they responded that I would still have to pay the full amount on the purchase. They also charged me an {$8.00} interest on my billing statement when they initially told me my balance is on hold until the incident is resolved.
I also file a claim with XXXX XXXX and XXXX Customer Service on their online webpage regarding this incident on XX/XX/18. I received a response on the same day requesting on further details regarding the transaction number and item detailed on the receipt. I responded with the requested information and did not receive any follow-up email. I sent another email requesting for a follow-up on XX/XX/18 and did not received a response from them until XX/XX/18. They responded and again requested for the XXXX numbers of each missing items. I have sent the requested information and sent another follow-up email on XX/XX/18 and still have not receive any response from customer service regarding this incident.
09/02/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NJ
08057
Web
I ordered a bed, and nightstand from XXXX on XX/XX/XXXX. I cancelled the nightstand and XXXX XXXX from XXXX was my case manager to help me through the delivery and crediting my account for the nightstand. I paid extra for XXXX " white glove service '' which includes delivery and set up in the room, and delivery was scheduled XX/XX/XXXX. Delivery company arrived as scheduled and the headboard/footboard were in a box and the 2 delivery men said they couldn't get the bed upstairs, I requested that they take the pieces out of the box but they said they were not permitted to. They told me if I removed trim and some of the wall I may be able to get the bed upstairs so I called my neighbor to help me take the trim down. The delivery men took the bed back out to their truck and left before I could stop them to ask them again to take the bed out of the box. I received a call from a representative about the delivery on XX/XX/XXXX and immediately informed her what had happened and I asked her to document our conversation and complaint that I could smell XXXX on the 2 delivery men. I was told XXXX would help pay for the repairs. I also called XXXX XXXX on the same day to let her know what had occurred. The bed was rescheduled for XX/XX/XXXX and I let the 2 new delivery men know what had happened and they told me the first 2 men should have taken the bed out of the box. When the 2 new med took the bed out of the box it went right up the stairs. Along the way the walls and stairs all the way up were damaged / scratched. To my surprise the nightstand that I cancelled XX/XX/XXXX was delivered as well ... I said at this point I would just keep it. Subsequently I have contacted XXXX more than 2 dozen times between calls/emails and XXXX is denying any responsibility. I received emails communicating the delivery company denied my claim and XXXX from XXXX directed me to contact the delivery company directly on multiple occasions but he would never provide who the delivery company was or what their contact information is. Regardless I informed XXXX that the delivery company was a 3rd party XXXX contracted with and it was XXXX XXXX responsibility not mine. Another XXXX employee named XXXX emailed me and said XXXX would not take any action because I had no proof that the delivery company damaged my walls or stairs ... even though I complained / communicated immediately and provide pictures of the damages.
I communicated that I would be contacting the CFPB and documenting my experience with this sale on Wayfair 's website ... customers are typically permitted to document after each sale but I have been blocked from doing so. I reached out to XXXX asking if I was blocked and he never responded to me again.
On XX/XX/XXXX I called XXXX XXXX credit card company to complain and spent 19 minutes with the representative summarizing the chain of events, including that both the bed and nightstand were both delivered on XX/XX/XXXX but my billing dates are different ; I am being charged interest on the bed from XX/XX/XXXX and the nightstand billing started XX/XX/XXXX. Although I have 18 months interest free the final months of interest free are different and I believe they should both be the same, the date of delivery which was XX/XX/XXXX for both. I asked the representative what the next steps were for both complaints, delivery gone bad and billing error and he said XXXX would be in contact with me. It has been over 2 weeks and no further contact has been made.
I have dozens of phone and email records which includes pictures that were presented to XXXX from the day this started and over the next 7 months and essentially I have been treated as though I am a liar. XXXX said that my complaints were not documented, even though I specifically requested them to be. I asked him to go back to original phone records where I complained I realized the first 2 guys were " high '' but he individually decided that he didn't believe it would be beneficial.???? How is any customer to have remedy if the calls are not recorded and / or if someone in the company arbitrarily decides whether or not it is beneficial to do research to the background to help a customer?
01/30/2020
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Seized or attempted to seize your property
AZ
85019
Web
XX/XX/XXXX- I received a call from someone claiming they were from XXXX County Court system and said they were in attempt to serve me in attempt to sue. I told him I had never been served and he replied that " we wanted to see if you would resolve with company directly via telephone ''. He explained he could not tell me what it was about, but he could give me a phone number and a case number. That was XXXX XXXX XXXX and case number # XXXX. He then offered to connect me, I said go ahead. A lady by the name of " XXXX XXXX '' ( EXT. XXXX ) answered and said she was from " XXXX XXXX ''. She explained that XXXX was the 4th " chain and Title '' of debt owed to Victoria Secret for amount {$390.00} from year XX/XX/XXXX. I was confused, because according to my credit report I had paid off all my credit card debt in the past 3 years ( even old debt ), she claimed Victoria secret does not report to the credit bureau. I told her that I thought I paid this off, she asked for a " paid in full letter '' and I told her I didn't have my records. She then continued and discussed payment plans/options for me. I said I would need to call her back to verify all the chain and titles. I called back two days later XX/XX/XXXX and left a voicemail asking for a call back. She called back and I asked if she could send a letter to my home with the information of the debt that I owe. She said she could not do that. I asked for a manager. I waited on hold and a " manager '' came on the line and proceeded to tell me a letter can not be sent, but that they could email me. When they could clearly see my hesitation, he proceeded with very detailed threats like the year, make, and model of my car and that they would be placing a lien on it for this debt. He continued to try and intimidate me with very specific information like my address, job, bank that I bank with etc. He continued with these threats and said if I do not pay they will sue me. I was still hesitant and kindly explained that they must understand my hesitation as I would be giving them sensitive information to pay this debt and with all the fraud out there, it is very scary. I told him that since they refused the one thing I asked for ( a letter by mail ), that I would like to speak to the manager above him. He then placed me on hold and put the another person on the line ; It was very repetitive, almost like a script..I asked for a letter and explained my concerns and he had the same very detailed threats, but when I wasn't budging he laughed and said " we aren't here to please you or cater to your request, you are the one who owes a debt that you never paid in XX/XX/XXXX, if the debt is not paid you will be sued and it will double in court fees ''. There was a lot of back and fourth about the letter I requested and they refuse to send. He said that he emailed me one and I checked the email it was very plainly made and had no address or header. I told him this and his explanation is that " they didn't give their address out because of people like me ''. I told him he was being very rude and inconsiderate and he responded with " you're a joke ''. I told him if they refused to send the letter fine, I will do my research and according to the first lady I had until XX/XX/XXXX to pay the debt at a discount for {$230.00}. I told him we would speak then and hung up.I believe my rights with debt collectors is that they are not allowed to give very detailed threats about taking possession of things such as ; my car. I also realize they can not threaten to sue when there is not in fact a lawsuit in place. They went against my rights and I still do not have confidence this is a reputable company as Victoria Secret DOES report to the credit bureau and XXXX XXXX XXXX does not have a record of XXXX XXXX ANYWHERE. All I have is a phone call to go off of.This could be anyone and their lack of professionalism doesn't sell them either. The email I received came from XXXX XXXX ( 2nd person I spoke with and so called manager ) XXXX. I have attached the so called official letter that was only emailed to me. I have not received any previous correspondence from XXXX XXXX.
08/12/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
OH
45220
Web
To whom this concerns, I have a Comenity bank/Victoria secret account that is reporting to my XXXX credit report that should not be reporting. I have tried time and time again to dispute this with Comenity Bank. I have mailed them over 6 letters just this year alone and I have to say that I am exhausted trying to reach out to them. They don't check over their work to make sure that they have fixed any issues their customers may have and it is to the point where I won't even apply for a credit card if its a Comenity Bank card.
Background information : In XXXX of XXXX, I opened a Victoria secret credit card with Comenity bank. As a result of a difficult immature season in my life, I was unable to pay my credit card bill and it became over 30-60 days past due. They eventually sold me to a collection agency called " XXXX XXXXXXXX '' and it started reporting to my credit report. Last year in XX/XX/XXXX, I made an agreement to XXXX XXXX to pay for deletion. Along with this complaint, I have attached the receipts and confirmation that the balance was paid. XXXX XXXX also kept their agreement and deleted the negative collection accounts from my credit report.
Although the debt was resolved with XXXX XXXXXXXX, the original account from Comenity bank was still reporting as a charge off debt to all 3 of the credit bureaus ( XXXX, XXXX and XXXX ). They were notified from XXXX XXXX that I paid off the debt so they eventually changed the status of the dispute to " paid ''. later on I found some inaccuracies in the information they were reporting to the credit bureaus and disputed the account. I mailed letters out to Comenity bank and all 3 of the credit bureaus to dispute the account.
After the 3rd dispute I had with them, they didn't fix the issue once again but instead reported duplicate accounts to XXXX, XXXX and XXXX. Each credit bureau now had 2 accounts from Comenity bank reporting to my credit report and they all had different account numbers. You can only imagine how frustrating it is to ask someone to fix something and they only make the problem worse. This heavily impacted my credit report and it wasn't my fault. Of course I had to spend more of my money to mail a dispute to them again hoping that this time, someone who really understood their job would resolve the issue. I even requested a signature and overnighted the letter in hopes that a person would be handed the letter and read it. Eventually, after 15-25 days, someone got a hold of it and deleted all the accounts from XXXX and XXXX. Here 's the twist, they deleted only one account from XXXX and left one on there.
Just when I thought this was over, they decided to leave just one account on XXXX. Even better, they mailed me a letter stating that none of the accounts are reporting to the any of the credit bureaus. The worse part about this is Comentiy bank credit bureau ( the only department that handles disputes ) does not have a number or email address. You can only reach them by mail. After paying to have so many letters mailed only to have your problem left unresolved, it becomes very frustrating. From my knowledge and understanding, under the Fair Credit Reporting Act, it is a violation for a creditor to report inaccurate information, better yet duplicate accounts with different account numbers to a person 's credit report. They even misspelled my name on the credit card and documents as " XXXX XXXX XXXX ''. Such mistakes results with them having to delete the account from the consumer 's credit report and I mean all of the accounts they made errors on.
Following them leaving one account on my credit report with XXXX, I have disputed the account more than 4 times only to have them update the account and not delete it. I even mailed them more letters and I am tired. I am reaching out to you because I am hopeful that this will cause them to look into my case and actually do something. I have supporting documents along with the letter they mailed me stating that no accounts should be reporting to my credit reports. In the letter, I underlined that specific sentence. Please help me resolve this issue.
06/30/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NC
28704
Web
I have certified mailed XXXX more than 3 times now about incorrect data on my credit report. Recently they came back and said the accounts had already been verified. I have asked them twice to show me the verification process. I asked this because I have reached out to each company myself and and they did not validate the debts pursuant to the 15 USC 1692g Sec. 809 ( b ) of FDCPA. I'm asking once again for them to show me the how they validated these debts and do not send me a copy of my name, address, and a contract as proof because that is not a debt validation pursuant 15 USC 1692g Sec 809 ( b ). I want all to see 15 USC 1692g ( a ) Notice of debt ; contents within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of debt ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty day after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
I was never sent anything within this 5 day period from any of the companies listed that I had the ability to dispute the debt pursuant 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. So how are you partnering with these debt collectors and violating consumer rights with no valid information.
Please re-investigate, if you can not get all of this information from the companies, as I have not been able to, then please remove them immediately from my credit report. These accounts being furnished to my credit report is another violation pursuant 15 USC 1692j ( A ) It is unlawful to design, compile, and furnish any form knowing that such from would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Also, 15 USC 1681b ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave these companies any written consent to report. No consent is identity theft.
I have already involved and sent this information to the Attorney Generals ' office, XXXX XXXX XXXX, and Federal Trade Commission.
As a consumer these accounts must be deleted immediately, or I will seek maximum monetary damages from each company for each violation in small claims court in my city and state. Pursuant 15 USC 1692k ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) any actual damage sustained by such person as a result of such failure ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; Accounts : XXXX XXXX XXXX XXXX Comenity Bank/Ann Taylor Comenity Bank/Victoria XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
06/18/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
FL
33449
Web
I bought furniture from XXXX XXXX XXXX. The amount of my purchase was slightly below {$7000.00}. I was given a promotion, explained clearly to me by my sales person, that XXXX XXXX was offering a 1 year sales promotion.. As I approached the end of my offering period, my monthly statement indicated that my account - quote " you must pay your plan balance of {$3600.00} by the end period date. '' - end quote.
I paid a total of {$3200.00} by that date. I actually misinterpreted the balance, because there were pending payments on my account.
The instructions also informed me of the calculated amount of interest to be paid if the balance of {$3600.00} remained on the end date. The amount of interest was approx {$1400.00} to be paid on that {$3600.00} balance. I reduced the balance tremendously by {$3200.00}.
I received a statement l7 days later that I owed {$1800.00}.
I called them, and they told me that my entire balance was not paid by the end date, so they charged me the full interest amount.
This did not hold true, and they should not have charged me for the following reasons : 1 ) If that was true, then they should have charged me interest on the full amount of {$7000.00} and not the balance of {$3600.00}. I have paid off most of the {$7000.00} leaving {$3600.00}. Again, I paid off most of the {$3600.00} leaving XXXX. They should again decrease my new plan balance to XXXX, and charge interest on only XXXX. They did increase the XXXX to {$3600.00} but they did not increase the {$3600.00} to XXXX. All these payments were made before the end date leaving a balance of XXXX. Interest was charged on {$3600.00}.
2 ) They did a tabulation of what my interest would be on {$3600.00}. The tabulation indicated that my new plan balance of {$3600.00} would be charged interest of approx {$1400.00}, almost half. After that statement date, and before the final promotional ending date I paid {$3200.00}, so at the end date, my new plan balance should be reduced to XXXX. I should be charged interest on a balance of {$490.00}. ( The tabulation is called Details of your plans '' ) 3 ) Nowhere in there notifications did they mention that would be charging full interest unless the entire balance is paid. On the contrary they had already reduced the promo balance earlier and is refusing to reduce the promo balance any further, even though it is paid before the end promotional date.
4 ) They did not indicate that the accrued interest date for their final calculations would start at the beginning or the middle or any time during the loan. However they picked the middle to do their calculations ( the loan started at $ XXXX ). They indicated that the promotional plan expired XX/XX/XXXX and new promotion starts on XX/XX/XXXX. They indicated that my new promotional amount on XX/XX/XXXX, is XXXX ... then it would make sense for them to match the new promotional amount ( XXXX ) to be matched with the new promotional period ( XXXX ). Everything starts all over with the remaining balance, so interest should start acruing at the start of the new period.
5 ) The rates charged after the promotion is 30 %. The interest they charge me is {$1400.00}. This is on a balance of {$490.00}.
6 ) Accrued interest as stated on their statement should be accrued on the pending balance and starts at the current balance date. You can not accrue on a loan that has already been paid.
Their statements and promotional plan is misleading and dishonest. They do not tell you the truth via their sales associate as well as their information on their paperwork.
What sense would it make for me to pay {$3400.00} to reduce a loan blance of {$3800.00}, and leave a {$400.00} balance for them to charge me {$1400.00} plus 30 % interest. Only if you are tricked or crazy, you would fall for that. Please note that I foolishly recomended 3 clients to them, one being my sister who spent more money with them. I also paid my bills on time every month until I made the final payment.
Today I issued The balance of {$490.00} to them along with the {$6.00} interest accrued. As of today I should owe them {$0.00}.
12/28/2021
Yes
Credit card or prepaid card
Gift card
Unexpected or other fees
FL
32803
Web
I have had autopay set up with XXXX for months. I received either e-mail, text, or phone call notifications for ay minor changes/updates to my account such as : late payments, account changes, or confirmation of payment. I was sick all from XX/XX/XXXX- XX/XX/XXXX with XXXX. Towards the tail end of my recovery, I logged online to all of my accounts to confirm that my auto pay options were all in good standing. When I logged into my XXXX account, I noticed the following charges : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1700.00} XX/XX/XXXX : {$1100.00} had been added to my original balance of {$3800.00} - I immediately called customer service.
I explained my situation and informed them of my illness and that I was not aware that my promotional plan was ending. I requested the additional charges be removed and to pay my original balance of {$3800.00} in full. The representative and supervisor both informed me that there was nothing I could do about the charges other than dispute them using the secure message center. There was no mention of future fees or that I could continue to accrue interest while was writing to the dispute center.
I wrote to the dispute center 3 times, the first being immediately after the call with customer service. They took day at a time to reply and responded with what seemed like a script or automated messages. The dispute/message center suggested I contact customer service so then I did.
When I called customer service again on XX/XX/XXXX, I asked to be connected directly to a supervisor. I explained my situation once more since I had been charged a ADDITIONAL fees of : {$1100.00} and {$1900.00} on XX/XX/XXXX. Though she seemed friendly at first, she then laughed at me while I described my situation and continued by say that all the charges were valid and that the best she could do was transfer me to hardship.
I then spoke to another representative trying to go through the charges and stating that I did not understand where all of these charges were coming and why I wasn't notified like I normally am through push e-mails or phone calls. She responded by saying " if it was me, I wouldn't have let this go so far as to have such a high balance. '' Which is when I began to recount my communications ( both spoken and written ). She said that regardless there is nothing she can do and that I could message the dispute center through the same secure message center.
Regardless of the representative that I spoke with, not it did they lack an ounce of empathy and understanding but it seemed that they all had the same response. They absolved themselves of any responsibility sine there is a disclaimer at the bottom of the statements ( which I do not receive paper copies of and to which I have autopay set up- per their recommendation ).
I have made repeated calls and written messages to try and resolve this fairly to only pay the original amount owed ( {$3800.00} ) - especially since I could have paid this amount in full, had I received notifications like I do for any late payments or payments receipts on my account. I also requested to pay the original amount in full so that the interest charges cease and they stated that I would still accrue 30 % interest on the remaining amount regardless. Therefore, I have been forced to enter a hardship program of 60 MONTHS just to be able to reduce the interest amount and so it does not damage my credit score.
I am writing this not just for a fair settlement for myself but for future consumers, so that they may avoid this creditor at all costs. This creditor will hunt you down over a {$200.00} late payment; incessantly calling, constantly emailing, and sending text alerts. However, when it comes to a financial relief program that is coming to an end, they will not proactively reach out with any communication so that the consumer remains unaware and falls victim to their unethical practices. I have credit cards through many other small and large credit cards companies ; all of which are in good standing. I feel truly scammed by this company and would like to find a just solution.
10/25/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MN
55024
Web
{$3000.00} was charged to our accountXX/XX/XXXX. XXXX XXXX selling online website access used for XXXX to connect w/local businesses. Program had a 1yr money back guarantee. Company omitted to disclose terms of the refund policy- critical to the contract. I immediately wrote to the Corporate office to cancel due to fraud. They record all sales calls, reviewed the tape, & admitted the " 100 interview minimum '' was not disclosed as a condition leading me to believe the money back guarantee was different than it was. They would change the terms to make it right- or I could cancel. Changes to the contract were suggested & approved by the CEO- but they refused to put the new terms into contract & allow me to review/approve/sign. Start dates, refund terms & yr after yr contract renewal made this critical. The website was never given to me- & I had no access to see/use the program. XXXX stopped communicating- and I filed a dispute w/XXXX XXXX credit card to recover the {$3000.00} charged, & services not received, along with fraud & no contract provided. XXXX 's response they lied- stating " their error was resolved, they made changes agreed to by me, and they've upheld their contract terms. '' The credit card issued a denial- keeping the charges on my account. Once receiving the decision, I contacted the dispute department & informed them as instructed that an error was made. Customer service opened another dispute explaining & sending additional proof, and it came back again denied " decision made stands, no additional info received ''. This was not correct- as I sent over 20pgs of emails & other proof. I called and explained to customer service- and they filed another dispute. Proof was sent as instructed, and reply was " charges were paid in full- unable to reverse. Previous decision stands ''. Frustrated, and at the same time as still trying to work with the company, I called customer service again to explain. This was a very unique situation, and unable to speak & explain to the Dispute Dept directly- they were not understanding & could not be reviewing all the info I was submitting for dispute. I was transferred to a supervisor to explain, and he filed another dispute. I again faxed & mailed proof w/additional/new proof received since I was still trying to resolve with the company directly. Months passed, and it was denied stating " issue has been reviewed- no new info given- decision stands ''. Customer service is my only option to speak to anyone, and they assure me I've done all I need to, canceled w/the company, filed a dispute, sent proof & it does not matter my balance is paid in full each month to avoid finance charges. The last 2 disputes were in XX/XX/XXXX ( with proof no contract was provided & website access/services were never received ) - another recently in XX/XX/XXXX( no response fm dispute dept as of yet ). ** {$3000.00} was charged- fraud was admitted, contract was never amended/provided, service was never received. XXXX XXXX dispute denied due to this lie- but I do not feel they're reviewing the proof sent or explanations from supervisors in Customer Service . I have clear & undisputable proof of absolutely everything and anything they could need to show the company was deceptive & didn't provide the service they charged me for- but I keep getting generic denials repeating " no new info '' or " balance paid- time outside of allowed dispute ''. I DID dispute within the appropriate time- and now am trying to explain the companies deception along with proof start to finish. Customer service for the credit card states they are the only ones available to speak with, and the dispute dept can not be spoken to. They are NOT following their own procedure as they tell us on dispute answer letters, " If you feel an error was made, please contact & provide verification for review ''. I have done this over and over, and all I'm doing is running in circles- providing more and more info, and getting replies that don't make sense- reverting back to old reviews & not reviewing info sent as supervisors confirm they will. Please help!
02/06/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
TX
76063
Web
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Comenity Capital Bank/XXXX. Comenity Capital, has fraudulently placed a credit card account onto my credit files as a charge off, for a balance that I do not owe.
Comenity Capital has deceptively charged off a credit card account in the amount of {$360.00}, a balance that I do not owe, and should not have owed.
They have refused to remove this fraudulent balance off of my credit files, they have went so far as to pass on this false fraudulent account balance information to a collection agency.
The account ending in XXXX was paid in full several times, but Comenity Capital kept adding false fraudulent late fees, and charges to the account, thereby refusing to show that I had paid off the account.
****As my attached statement shows, I owed Comenity Capital, {$62.00} as my TOTAL balance due on the account in question, with a payment due of {$27.00}, as of the due date of XX/XX/XXXX.
I made payments to Comenity Capital in the amounts of XXXX, XX/XX/XXXX, ( Confirmation # XXXX ), as well as XX/XX/XXXX I paid {$36.00} ( Confirmation # XXXX ), these two payments were more than enough to pay off what I owed to the account.
What Comenity Capital has done for months, out of spite, is to continue to add a {$39.00} loan sharking fee each month, along with finance charges, to a false past due balance that they have created on the account, and have ran this balance up to the {$360.00}, a balance that they have falsely placed onto my credit files.
I am attaching a copy of my credit report, and on the report you will see that they are not showing the true information as to how they have come up with the false fraudulent balance that they are trying to make me responsible for, the {$360.00}.
When you look at my attached credit report you will see that in XX/XX/XXXX, they are falsely claiming that I owed {$91.00}, when in actuality as the statement that I have sent in with my complaint shows, I only owed them {$62.00} for XX/XX/XXXX, and I really should have owed them nothing.
As stated previously, I have paid this account off several times, and they have continued to do the same thing.
I feel that out of spite they are slandering my credit, because I have complained about them in the past, the fact that they have stolen from me with this same credit card, I have returned all sorts of merchandise back to XXXX, and neither XXXX nor the bank has given me my money back for the items that I had returned in the past.
XXXX removed the online account that I had, had with them, the area that showed each item that I had purchased, and I could have shown my returns by item, and when I contacted Comenity, they did not care.
They continued to have me to pay for merchandise that I had already returned, they pretended as though they couldnt do anything to assist me in finding out what happened to my returns, even the shipping labels that were sent back inside the return packages, meant nothing to any of them.
That was hundreds of dollars that they took from me, I had returned full orders at a time before, because the items were not of good quality, or as pictured online by XXXX, yet the stuff disappeared, and Comenity had me to pay for all of it, and I paid because I didnt want my credit ruined.
I paid them more than what I owed, and even down to the last payment of the {$62.00}, yet they come back still loan sharking me, and slandering my credit for what I dont owe.
They have this account looking as though I have done business with them in XXXX of XXXX, each month they have been adding fees that I should not have owed.
I have paid this account off in full more than once, and I am not going to pay Comenity Capital Bank another dime, especially for debt that I dont owe.
I want Comenity Capital/XXXX, to cease and desist from contacting me ever again, about this fraudulent debt.
I would like the Consumer Financial Protection Bureau fully involved in my complaint, any communication from Comenity/XXXX is to go to the CFPB, and the CFPB can contact me.
09/26/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
MN
55423
Web
On XX/XX/2018, I visited the website for XXXX XXXX with the intention of purchasing a piece of furniture. While going through the checkout process, I was presented with an advertisement for the XXXX XXXX credit card, managed through XXXX XXXX, which has an optional benefit of allowing for 12 months of no-interest on purchases over a specific threshold. As my purchase would be well over that amount, I was interested in this option, and as it was being advertised during the checkout process, with a notation that I was pre-approved, it gave the appearance that the application and potential approval could all be done concurrent with the checkout process.
I followed the instructions and applied for the XXXX XXXX credit card. I received notification that I was approved for a credit line of {$5000.00}. The site also said that I could return to my checkout at the XXXX XXXX site directly and that they would fill in the credit card information automatically, as I was not given an account number and the card itself would not arrive in the mail for up to two weeks.
When I clicked the button to return to the checkout, an error message appeared, and I was not redirected back to my transaction. When I manually returned to the site, the item was still in my cart, but the new card account information was not there. I checked my email for any messages from XXXX XXXX, and found one again stating that I had been approved for a limit of {$5000.00}, and would receive my welcome kit and card in approximately two weeks.
Since the particular item I wished to purchase was on sale, and that sale is expiring on XX/XX/XXXX, the card and its benefits will be of little use to me if I have to wait up to two weeks to access it.
I called XXXX XXXX to ask what I could do in this situation and validated my information through their computer prompts until I reached a live individual. She informed me that she could not give me my account number, but that if I called XXXX XXXX, they could contact XXXX directly and initiate the transaction. I was skeptical that this would work, but allowed the representative to forward my call to XXXX XXXX.
Once I was connected with a representative at XXXX XXXX, I explained my situation. She seemed unaware of the process proposed by XXXX, but put me on hold while she called them. After waiting for quite a while, she reconnected to me with a conference line to a XXXX representative who wanted to confirm my Social Security Number. I did so, and the XXXX rep confirmed that I had an account, and told the XXXX XXXX rep to call another number at XXXX to initiate the transaction.
She did as she was instructed, putting me back on hold. When she returned, she informed me that XXXX would not allow her to initiate the order using the account as she was not calling on a secured line. My only option was apparently to go to a physical XXXX XXXX store and ask one of their employees to call XXXX to initiate the transaction/purchase, as their lines were secure.
As the item I was ordering is only available online and I was not able to go to a store at that time, I thanked the XXXX XXXX rep for her attempts, and gave up. At the end of the day, I was left with a {$5000.00} credit card with features I could not access, and was unable to purchase the item I wanted while it is marked down. By the time the card information arrives, the item will no longer be discounted and may not even be in stock.
My complaint is that the manner in which this credit card was promoted ( directly within the online checkout process ) is misleading, as there was no way to actually use the card or its features for an online purchase. If I had known that I would not be able to use the card to complete my online purchase, I would not have applied or authorized XXXX XXXX to pull a credit report. This was an online-only item, so it is not reasonable to expect that customers have the ability to visit a physical store to complete the transaction, especially when the card itself is being advertised directly within the online check out process.
12/30/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
TX
78230
Web
Comenity Bank XXXX XXXX XXXX XXXX OH XXXX Credit Bureau Disputes Department Re : Credit Dispute for XXXX and XXXX Payment and Recent Conversation Confirmation # XXXX ( payment / dispute ) This letter is to request your investigation and correction of late payments reporting for an account that I hold with Comenity Bank Ann Taylor ( ending XXXX? ). I made a purchase this past summer which proved to be extremely difficult to payoff. The record of events as I see it are as follows : - Sometime in XXXX XXXX, I was offered an upgrade to Ann Taylor Rewards Card. This referral was conducted by an associate at the XXXX XXXX Ann Taylor store in XXXX XXXX. I was not aware this change would have a material effect to my Ann Taylor card ( at that time ) or cause a credit inquiry for that matter.
- I never received a new Ann Taylor Rewards card, thus I never activated the Ann Taylor Rewards card. I was operating under the assumption that my prior card was in effect.
- This past summer ( XXXX ) I made a purchase on my Ann Taylor card. The associate offered to charge the purchase on my card, despite me not having a card present or activated.
- I receive notification that my XX/XX/XXXX payment was reported late.
- I never received a statement. So I log on to the Ann Taylor card site and see that my balance is {$0.00}. Youll have to confirm within your records what date this occurred. I found it odd that my balance was {$0.00}. And then also see my old address is on file. I change it to my current address.
- On XX/XX/XXXX, I call to straighten out what might be going on. As far as I can see, I dont owe money I know that that is not right but the site says I owe {$0.00}? The lady on the call proceeds to advise me that I am not logging into the correct Ann Taylor Credit Card portal with Comenity Bank. Seriously?? Could you make things anything more difficult and overly complicated for consumers? She proceeds to tell me that I was upgraded to an Ann Taylor Rewards card at some point, which de-activated my old account. However, I was never switched over to the Ann Taylor Rewards online service system. She proceeds to de-activate my old AT card login/credentials and helps me enroll into new system where I can finally see all of my account details. Including an old address ( that prevented me from receiving statements ) and the new card # I never activated. She was kind enough to listen to me and understood why this situation could cause so much confusion and a costly late payment reporting to my credit. I indicated that I wanted to dispute the late payment. She proceeded with refunding one late fee. I appreciated the gesture and clarified that I wanted to dispute the late payment, not the fee. She provided me the address to submit a dispute. I made a payment in full to bring the account to a XXXX balance during this call.
- I recently received a credit bureau alert notification that indicated the XX/XX/XXXX payment was reported late?! How is this possible?! I made a payment in full on XX/XX/XXXX with the same agent to take care of this ridiculous matter. The payment was authorized on XX/XX/XXXX and cleared my account on XX/XX/XXXX for {$68.00}. XXXX is saying my last payment was made on XX/XX/XXXX, the date the payment was authorized. ( See image below ).
- I have two other Comenity bank credit card products with you - XXXX XXXX and XXXX XXXX. Never have had an issue with those accounts. In fact, I dont ever make payments late ( with the exception of one time ; the month my son was born XX/XX/XXXX ).
I am disputing the two late payments reported in XXXX and XXXX due to neglect and incomplete maintenance of my Ann Taylor accounts on Comenity Banks behalf. I was not informed the accounts would severe/separate as a result of this new rewards program. Nor was I provided guidance on how to maintain, service or pay the rewards account prior to the late payment reportings. Please also refund any late fees that were collected as a result of my XX/XX/XXXX payment.
Thank you, XXXX XXXX XXXX XXXX
04/19/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
CO
80223
Web
Servicemember
Hello, In XX/XX/XXXXI settled a few accounts rather than paying them off because I was facing financial issues. In XX/XX/XXXX/XX/XX/XXXX I paid {$700.00} of the {$1000.00} owed to XXXX XXXX ( XXXX XXXX card ) and I considered the debt settled. XXXX, however did not. For the next several years they continued to report a charge off on my report every single month. I needed to refinance and pulled my credit a few years later and saw that my score was still very low even though I had been paying my debts, this is when I discovered what XXXX XXXX was doing. I called XXXX and they said they will report forever on my report every month until the entire debt was paid. This didn't seem right to me, but I needed to get my refinance done so in XX/XX/XXXX I paid the remaining difference on the original debt, {$300.00} ish, and XXXX stopped reporting the charge off. On XX/XX/XXXX I looked over my report and saw that huge history that XXXX had posted against me after I settled, but that none of the other creditors had, and decided that didn't seem fair or right, and 5 years later it is still pulling me down.
I opened a dispute through XXXX to question whether it was OK for XXXX to have dinged my report like that for 2-3 years when I had already settled the debt. I did NOT dispute that the information showing was incorrect, only opened the dispute to question whether XXXX was allowed to do that and if not have the reports removed.
As a result of opening the dispute, XXXX reached out to XXXX to inquire on the status of the account, and XXXX reported back that the account was a charge off ( which it was ). XXXX posted the charge off/failure to pay as of XX/XX/XXXX, and my credit score dropped 21 points as a result of this. I talked with XXXX who said that they only reported back the status of the report, it was a charge off as of whenever I settled and then paid off the final balance. XXXX said that when I open a dispute, that they reach out for an update and it causes the card company to report on the account again, which is what caused my score to drop.
My problem with this is that in asking a question about the essential legality of XXXX 's practices, I was subjected to very damaging and incorrect information being recorded permanently ( or for 7 MORE years because I " acknowledged '' the debt ). XXXX is refusing to correct this damaging information on my report, as is XXXX because from their standpoint all they did was give XXXX the status of the account.
Not being able to inquire on the legality/correctness of information on your credit report without being severely penalized doesn't seem like a fair or legal practice, and the result is the suppression of complaints -- many of which no doubt may be legitimate, and thus the continuation of unfair and harmful practices such as I have experienced.
I would like for XXXX 's practice of reporting negatively on debts after they are settled to be reviewed/reported as unfair and unethical, and would also like for XXXX 's practices to be reviewed as this is grossly unfair that my ability to buy a house, car, or otherwise obtain credit is being severely impacted simply because I asked a question.
A lowering of 21 points on my credit score moved me from Good credit to a Fair credit rating, and that is real dollars out of my pocket in terms of the interest rates I can receive ( tens of thousands if you consider the difference a higher interest rate on a mortgage will cost me over 30 years ). If it is determined that XXXX is not legally allowed to report on an account that is settled, then we are talking about real dollars their practice has already cost me because my credit score was impacted and I did not receive the rate I would have with a better score on my refinance and my car loan as well as any credit card I have opened since XX/XX/XXXX.
I hope this letter will at least resolve my current issue and beyond that spark a review of XXXX 's practices which do not seem to be in line with other creditors.
Regards, XXXX XXXX XXXX
06/10/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
AR
71968
Web
Older American, Servicemember
XXXX Charged {$3500.00} to credit card to be paid in full by XX/XX/2020 over 6 months with no interest.
Received first credit card statement with closing date of XXXX showing first payment due of {$120.00} on XXXX.
XXXX made payment of {$120.00} which shows on my bank statement as an online payment on this date.
XXXX Received next credit card statement with closing date of XXXX. This statement does not show my payment being made. A late fee of {$28.00} was assessed on XXXX. Statement shows past due amount of {$120.00}. Called credit card company and inquired why this does not show my payment and why a late fee. I was given a partial credit of {$15.00} instead of full credit for {$28.00}. I was told my payment didn't post until XXXX even though my bank statement shows it being paid on XXXX. I was not told I would only receive partial credit of the late fee.
XXXX made payment of {$120.00} due on XXXX which shows up on my bank statement being paid on XXXX as an online payment.
Received next statement with a closing date of XXXX. This statement shows my XXXX payment posted XXXX, a late fee credit of {$15.00}, my XXXX payment I made posted on XXXX, and another late fee assessed on XXXX of {$39.00}. I called again and was told to send an email for the {$39.00} credit disputed. I asked why this was assessed as I had made the payment early. I sent an email to go over what had happened. In a second email I also sent copies of my bank statements. I also signed up for their automated payments for them to hold out {$120.00} in hopes of preventing any further problems.
The next statement shows a closing date of XXXX. It shows my payment ( that they retrieved on automatic pay ) posted on XXXX due date. My bank statement shows it came out on XXXX as a web payment.
Received next statement showing a closing date of XXXX. It shows my payment of {$120.00} made on XXXX. I called again because I hadn't received credit back for the {$39.00} late fee assessed on XXXX. I was switched to XXXX different people and finally told to write a letter which I did and explained everything again asking them to credit me back the difference in the late fees of {$37.00}.
Received next statement with a closing date of XXXX. It shows a late fee credit of only {$15.00} instead of the full {$39.00}, that was assessed on XXXX, and a payment of {$120.00} on XXXX.
Received letter dated XXXX XXXX, 2020 from credit card company telling me they would research the problem. This was from my email request.
Received letter dated XX/XX/2020 from credit card company telling me minimum payment was not made by due date and they would not remove late fee.
Received letter dated XX/XX/2020 from credit card company telling me they would research the problem. This was from my correspondence letter.
Received letter dated XX/XX/2020 from credit card company telling me the same thing as the letter dated XX/XX/2020.
Received next credit card statement with closing date of XXXX. This statement shows payoff payment in full on XXXX except for the late fees of {$37.00} that had not been credited back to me. Then it shows promo finance charges put on the account on XXXX, of {$320.00}, and another promotional to revolving fee of {$37.00} with a balance of {$360.00}.
I called again and spoke with someone who said they would credit me back the {$37.00} late fee discrepancy and would put me through to a supervisor. I went over the whole problem with her and was told she could not take off the interest added on to my account because I did not pay the {$37.00} late fee in dispute!
Received next statement with a closing date of XXXX with a late fee assessed of {$35.00} and interest of {$6.00} for a balance now of {$400.00}.
I have not received the next statement to see what has happened to my account since that phone call.
This is totally outrageous! I have never had a bank treat its customers this way!
All bank statements were sent to credit card company but not sure they were ever looked at to resolve this problem.
10/20/2018
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
IL
60031
Web
I have submitted a Regulation Z dispute regarding the post date of the last 2 payments made on my account & asking for a refund of all late fees ( {$3.00} charged in XX/XX/XXXX + {$4.00} charged in XX/XX/XXXX ), interest ( {$1.00} charged in each month ), and Account Assure fees ( {$0.00} charged in XX/XX/XXXX + {$0.00} charged in XX/XX/XXXX ) charged. The refund would be equivalent to the balance of both months ' statements given there were no store purchases ; instead the balance was completely driven by late fees and interest on the account ( had my balance been appropriately reflected as {$0.00} both months, it would not have triggered an Account Assure charge ).
I logged in early this morning ( XX/XX/XXXX ), around XXXX XXXX, to check whether I had used this card for a large purchase at XXXX & XXXX XXXX the other day. When reviewing the activity I noticed late fees & interest were charged in both months. Upon receiving my mailed statements ( for any account ), I schedule a payment via my bank 's bill pay function and select the delivery date as the business day before my due date. I confirmed with my bank both checks ( attached ) were cut & mailed in the 1st couple of business days each month, yet were not processed until 2 weeks later. COINCIDENTALLY, XXXX XXXX XXXX representatives posted the payment the day AFTER my due date causing fees & interest charges. Additionally, due to those fees and interest keeping a balance on my account, the Account Assure fees were assessed to my account ( whereas if I had a {$0.00} balance, there wouldn't have been any Account Assure fees either ). Reg Z requires a payment be posted as of the receipt date, not necessarily the date the representatives are entering the payment into the system as it may take time to route the checks. Therefore, I find it impossible that a check sent from Delaware to Texas took 10-12 days to arrive, when it is estimated to take an average of 3 business days, but my bank mails them 5 business days in advance to allow extra time. In speaking with both XXXX and XXXX, they tried to place the blame on my bank or the USPS. That's impossible that in the off-season ( not the XXXX/XXXX season ) it would be severely delayed and would require double to triple the normal amount of time.
I spoke with XXXX, Customer Service Representative earlier this afternoon ( XX/XX/XXXX ) and communicated my situation/concern. He was unable to assist me to my satisfaction as after 15 minutes, he only offered to credit XX/XX/XXXX 's late fee ( not even including the {$1.00} interest charge ) as a courtesy. I tried to yet again explain these were wrongfully charged to my account and so I shouldn't be held liable. After no luck, I then requested my call be escalated to a supervisor and was connected with XXXX, Customer Service Supervisor. She also did not address my concerns ; instead she only submitted a payment dispute & asked that I submit the checks as proof via the online Secure Message Center. I have submitted the proof for review, but was practically rushed off the phone after her insinuating there was nothing they would be able to do. Instead, I should send it even earlier than I have and that I should go back to my bank to ask for them to reimburse me. I can only imagine how many people they are charging late fees and interest only due to their processing delays and non-compliance with Regulation Z. It is unfair and quite cruel they are willing to agree it is a long delay between the check being cut and their processing, but not willing to help remove the unjustified charges/fees. There is no logical sense to how they are trying to explain the delay, and I feel they are deceiving people into thinking they received the payments late when it is a processing delay and nothing we can control given it is their center and personnel. If the check was mailed and arrived before the due date, they should not be charging fees and interest because they aren't processing and posting the payments accurately or timely.
09/20/2018
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with customer service
MN
55420
Web
In the beginning of XX/XX/2018 I was contacted by a XXXX with XXXX XXXX about my XXXX XXXX, XXXX and XXXX XXXX accounts. I explained that I had fallen behind and that I would like to try and get caught up. On the first call with XXXX which was around the XXXX she told me that if I was able to pay the amounts that I actually charged she would be able to remove all of the late fees and finance charges once I did. I told her I would have to call her back and I did so the following day which was the XXXX I believe my phone records have so many XXXX calls. On or around the XXXX I set up 3 electric withdrawals from my checking account equaling {$600.00} and a payment plan for 4 more payments for the XXXX XXXX card. This was part of the agreement of getting caught up that was discussed the day prior. I was told that once the final payment for the XXXX XXXX card on XX/XX/XXXX, was posted then I was to call back after 7 days to her extension and she would be able to reverse all of the late fees and the interest for all three account. I followed all of the rules and even called back to verify this information with her. She told me that she would try and get the fees and interest reversed with the XXXX and the XXXX XXXX card, but was not sure that she could before the XXXX XXXX card was completed. I stated I understood.
Come XX/XX/2018 I waited the 7 days and called in to XXXX at her extension and got a different customer service rep who said she would have XXXX call me. I received no calls so I called again XX/XX/18 and got a new C.S rep who " informed '' me that I was never going to speak to Destiny and that I basically was told wrong info as if she was going to reverse the fees then she would have already done so - I asked for her supervisor and got XXXX and explained the situation about the agreement about the three accounts. She told me she was going to reach out to XXXX and speak with her about this as XXXX stated there were no notes on any account from XXXX that stated this agreement. I told her I would give her a week and then I would send in a written request to have the calls pulled. I actually gave her 2 weeks and did not hear anything so I sent three letters as I had three XXXXXXXX XXXX to send to and I sent them via first class mail with tracking.
I received a call and it was yet another account manager who I kindly asked to speak with his supervisor this was XX/XX/18 at XXXX XXXX central time. I was transferred to XXXX who stated XXXX did not ever make notes in the any of the accounts, but that he was going to see what we could do. I informed him that I had sent written requests to have calls pulled so that they could hear the agreement that was set up.
I was sent three different letters ( 1 from each account ) stating that they received my dispute and that they were all going to look in on it. The letters were dated XX/XX/18. A week later I received a dated XX/XX/18 letter from the XXXXXXXX XXXX account stating they took care of everything and the new balance was a complete {$0.00} balance.
On XX/XX/XXXX a letter was drafted from the XXXX account- they stated they listened to a call that was only about the XXXX call and that we set up the three payments one for each account and then the final four payments for XXXX XXXX but I never set up any other plan for the remaining accounts and there for I was responsible for all the finance and late fees that have accrued. The never made mention about the agreement I had made. The letter almost sounds as if the 4 extra XXXX payments null and voided the agreement which is not what was to happen.
On XX/XX/18 I finally received an additional letter from the XXXX XXXX account and this letter was only offering financial payment plans.
I am requesting to have this looked into a bit further, as I know what was set up for the agreement plans. ALL calls from me starting at the beginning of XXXX need to be pulled and listened to so that the agreement can be fully finalized.
Thank you
02/03/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
MA
02134
Web
I originally made a purchase at an XXXX XXXX XXXX store in approximately XX/XX/2017 and was told I would save 20 % ( or something along the lines of that ) if I APPLIED for a store credit card. I swiped my existing credit card, so assumed that was the card that would be charged. Upon review later, I realized the card was never charged and that I had an XXXX XXXX account opened at that moment. This discovery came to me about 2 months later when I began receiving calls from " XXXX XXXX '' about my XXXX XXXX card. This company will NOT accept any credit card payments, and instead asks for a bank account number, which I provided. At this point, my {$69.00} purchase had now accrued to approximately {$100.00} ( according to XXXX ). I made I believe a {$40.00} payment and asked that my card be processed automatically the next month to pay off the balance. I never received a call from the same number again. Instead, by chance I answered when ANOTHER strange number called me and was now told that I still owed about {$120.00} on the account. I explained that I had already tried to settle the matter. They asked that I authorize the minimum payment and assured me that if I paid the next time they called that I would not be charged any fees or have my interest rate increase. I never got a call from the same number twice. This company calls from completely random numbers each time, so I never know when to answer. When I answered in XX/XX/XXXX this year ( on a Sunday morning ), I was told that I owed about {$160.00}. I asked how that could be possible and the operator immediately got a RUDE tone. I tried to explain that I thought I had set up automatic payments and that I had provided my bank account info for them to settle the account. He told me they " don't do that, '' and that if I don't answer the phone, what will happen is that I will just keep getting charged late fees and additional interest fees. When I tried to explain my frustration over the situation, and the operator became increasingly rude ESPECIALLY when I began explaining that I felt the way they run their business is unfair. I answered a call from XXXX just a few days ago ( my last interaction with them ). They once again called from yet a DIFFERENT number ( Texas area code this time, I think ). This time, when I tried to explain that I did not know what was going on with all of these charges, how the {$69.00} could so quickly compound to {$160.00}. He explained I was charged a {$40.00} late fee every single month and some other random {$20.00} fees. I explained I felt it was very unfair that they could charge these late fees on the justification that I " didn't answer the phone, '' but when they were calling from completely different numbers. I said there must be some way to just close out the account, and that I would make a small payment to settle the matter. The man on the phone throws out some arbitrary number like " {$120.00}. '' I said I still don't see how that's fair when I've already paid {$80.00}. He said, " well it's going to go up to XXXX. '' And I said, well I am a LAW STUDENT, so I don't have the money to pay {$160.00} today, and I feel the amount you are charging is unfair in the first place. The man on the phone then remarked that if I'm a " LAW STUDENT '' like " [ I ] say [ I am ], then [ I ] should know how a contract works. '' I explained that I DO know how a contract works, but that I'm not going to be talked to like that. I don't understand where this company is even getting {$120.00} to " settle the matter, '' from. It seems ridiculous and unfair. Not to mention that I NEVER signed a contract with commenity, but with XXXX XXXX, and only because of fraudulent tactics. I would really appreciate your support in this matter. I can try to look through my mail for some documentation if necessary. I also don't feel comfortable now having given this company my bank account number. If anyone can help me resolve the matter, I would be thrilled. Thank you.
06/23/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
AL
35640
Web
I attempted multiple times to pay off a balance on my Childrens Place credit card via phone BEFORE I was turned into the credit bureau as delinquent. I had lost my statement during a move and did not know my account number to be able to login and pay online. I called in and explained the situation multiple times and attempted to pay it off over the phone. However, they would not give me my account number so that I could pay online and said my only option was to give them my checking account info or debit card info via phone to make the payment or wait for the next statement to come in the mail. I wasnt comfortable giving my checking account info over the phone. I was told by multiple employees, during multiple phone callswhere I attempted to pay it offthat, in that case, my only option was to wait for the next statement and there would be no repercussions as long as I made a payment before XX/XX/XXXX. They said I should receive my statement on Monday, XX/XX/XXXX and I agreed I would get my account number off of it and pay online immediately. Next thing I know, XX/XX/XXXX I get an alert that I have been reported as delinquent and my credit score dropped 120 points after long-time excellent credit history. I tried to dispute with XXXX and Childrens Place, neither have resolved the issue and cleared this false report from my credit report. According to the FAIR CREDIT REPORTING ACT and the FAIR AND ACCURATE CREDIT TRANSACTIONS ACT, this is an injustice and I was wrongfully reported due to false information given from employees. I was given false information that there would be no repercussions if I waited until the next statement, to pay. They would not give me my account number so that I could pay online, where I felt comfortable to give my personal checking information through a secure website. I attempted to pay multiple times and was reassured by every single employee from both Childrens Place and Comenity Bank that I spoke with on multiple occasions that everything would be fine as long as I paid once the next statement came, before XX/XX/XXXX. Had I known my account was being reported as delinquent and they were giving false information, I would have, reluctantly, given my checking info via phone as a last resort. I take my credit score and credit history very seriously, as you can tell when you review my history of on time payments and excellent score. Previously excellent, before this incident.
The next statement arrived on Monday, XX/XX/XXXX, just as the employees stated it would and I paid the balance off in full just as I stated I would.
According to federal law, FCRA and amended XXXX, this is an injustice and should be made right. Comenity Bank and Childrens Place should be held accountable and they should correct this matter.
I attempted to dispute through XXXX and all they did was add a statement to the delinquent account, but the delinquent account remains and my score remains impacted.
I attempted to resolve with Childrens Place and Comenity Bank spoke with a supervisor and was told they apologize for the miscommunication but they have no control over the mistake and no one in the entirety of either company can address anything that has to do with reporting accounts to credit bureaus. They offered no solution another than saying your balance is paid off, in thirty days it will reflect on your credit report as being paid in full.
I want the delinquent account to be erased from the report as if it never happened, my score to return to Excellent, and for Comenity and Childrens Place to honor their word I was given from multiple employees that if I paid once I received the next statement there would be no repercussions. I honored my word and I paid in full, just as I said I would and attempted to do multiple times via phone. They did not honor their word, from multiple employees, and it has greatly impacted me in a negative way.
I will seek council to determine how to proceed if this is not rectified.
03/13/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Can't close your account
DC
20011
Web
( 1 ) In XX/XX/XXXX I requested that Comenity Bank ( XXXX XXXX ) close my credit card account.
( 2 ) I recieved a letter from the bank dated XX/XX/XXXX stating that the account was closed with a balance of {$110.00} ( 3 ) I paid the balance of {$110.00} on XX/XX/XXXX ( 4 ) Two weeks later I checked the account and noticed that Comenity Bank ( XXXX XXXX ) had approved addditional merchant charges after the account was closed.
( 5 ) On XX/XX/XXXX in good faith I paid {$75.00} ( the full amount of additional merchant charges Comenity Bank had approved despite the account being closed ) based on the assumption that the new charges were a matter of timing. I assumed Comenity Bank ( XXXX XXXX ) had assumed I had made the purchases prior to the account being cosed. I relied on the XX/XX/XXXX letter from Comenity Bank ( XXXX XXXX ) stating that the account was closed to conclude that Comenity Bank ( XXXX XXXX ) would begin rejecting charges on the account.
( 6 ) I checked the account again in early XXXX to make sure there were no finance charges and noticed new merchant charges approved on the closed account after the {$75.00} payment on XX/XX/XXXX. I became concerned that that account had not in fact been closed despite the letter dated XX/XX/XXXX.
( 7 ) Around this time I contacted Comenity Bank ( XXXX XXXX ) to confirm that the account was in fact closed. Comenity Bank ( XXXX XXXX ) confirmed it was closed as stated in the letter of XX/XX/XXXX. I inquired why Comenity Bank ( XXXX XXXX ) continued to accept merchant charges on a closed account and I explained that I did not want Comenity Bank ( XXXX XXXX ) to approve any more charges on a closed account and that I expected any future merchant chargest to be rejected.
( 8 ) In good faith, despite the fact that I did not believe the new charges were valid, I paid the new balance of {$91.00} on XX/XX/XXXX. I regret that decision.
( 9 ) After paying off the account balance the third time on XX/XX/XXXX and speaking with Comenity Bank ( XXXX XXXX ) I stopped monitoring the account in reliance on the good faith, competance and honesty of Comenity Bank ( XXXX XXXX ).
( 10 ) In XXXX I recieved in the mail a new invoice for outstanding charges that Comenity Bank ( XXXX XXXX ) had improporly approved after I paid the balance of {$91.00} on XX/XX/XXXX and after the conversation in late XXXX or early XXXX where I confirmed that the account was closed and should not accept new charges.
( 11 ) I contacted Comenity Bank ( XXXX XXXX ) and disputed the charges added to the account after XX/XX/XXXX. I was told Comenity Bank ( XXXX XXXX ) would review the dispute and that I might recieve a letter in the mail.
( 12 ) I never recieved mail from Comenity Bank ( XXXX XXXX ) ( 13 ) Comenity Bank ( XXXX XXXX ) contacted me in XX/XX/XXXX to inform me that they deemed the new merchant charges approved by Comenity Bank ( XXXX XXXX ) on the closed account after XX/XX/XXXX to be valid and that they reserved the right to approve charges to the closed account indefiniately after it is closed even if the account was paid in full at the time of closing. The representative suggested that any firm with my credit card on file would have new charges approved by Comenity Bank ( XXXX XXXX ) despite the fact the account was closed, and further suggested that in each case I would have to contact the retailer. The Comenity Bank ( XXXX XXXX ) representative attempted to mischaracterize the situation as " I refuse to pay the debt '' and when I took issue with that characterization the Comenity Bank ( XXXX XXXX ) representative said they did not want to argue with me. When I objected to multiple occaisions of the person stating " I will record that you refuse to pay this debt '' she finally relentented and offered to refer the matter back to the Comenity Bank ( XXXX XXXX ) fraud department. Such a referral would be improper because the fraud is being committed by Comenity Bank ( XXXX XXXX ), not a merchant.
02/14/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CA
92626
Web
I am having an ongoing issue with a XXXX XXXX credit card offered through Comenity Bank.
XXXX-I received a bill for {$180.00} due on XX/XX/2020. On XX/XX/2020 I authorized an electronic payment from my checking account using the routing number on my check. When I posted my payment I saw an online transaction on my XXXX XXXX/Comenity Credit Card account stating " Payment-Thank You '' posted on the same date that I made my authorization.
I logged into my XXXX XXXX/Comenity account and noticed I had a statement dated on XX/XX/2020 stating I had a fee of {$27.00} added to my account! Now I owe {$210.00} due by XX/XX/2020. According to my XXXX XXXX/Comenity online account there was a problem with my account number which I got directly from my check. I received no email, phone call, or text message stating there was an issue.
On XX/XX/2020 I again authorized an electronic withdrawal from my bank and provided my checking account number. A transaction on my XXXX XXXX/Comenity online account posted on XX/XX/2020 stating " Payment-Thank You ''. I have been checking my bank account and my XXXX XXXX/Comenity online account everyday since XX/XX/2020 with no change seen. On XX/XX/2020 I noticed a new transaction stating the payment was returned! This transaction, though, has a date of XX/XX/2020 even though it did not appear until XX/XX/2020. I also see on my online XXXX XXXX/Comenity account there is a problem with the account number ( again ) even though the account number is on my check. I received no email, phone call or text message ( again ) stating there is a problem. I phoned XXXX XXXX and explained the ongoing situation with the electronic withdrawal and let XXXX XXXX know that I will be sending a check for {$210.00} to Comenity overnight. I also sent an email to Comenity explaining the problem their system is having with electronic withdrawal. I stated the check will be sent overnight and they will receive it by XX/XX/2020 for the full amount. I received a nasty reply on XX/XX/2020 from Comenity stating my XXXX XXXX account will be frozen and the information will be forwarded to the credit bureaus. I spoke with XXXX XXXX on XX/XX/2020 and was told there is no problem with my account and the letter is a scare tactic. I came home from work today and noticed Comenity has in fact frozen my account.
I am very angry as Comenity is practicing business in a completely deceptive manner. They continue to add fees for electronic withdrawals that appear to go through successfully. After one week passes they then post on the XXXX XXXX/Comenity online account " Returned Payment '' with a date that is not indicative of the date the returned payment statement actually posted. They do not warn consumers of a " problem '' with routing numbers and lull the consumer into a false sense of security then wait one week to post a message on the XXXX XXXX/Comenity online account stating Returned Payment. The nasty letter only mentions electronic payments and that my bank " returned '' my payment. This is not true as there is no reason for my bank to return the payment since Comenity stated there was a " problem '' with my routing number to begin with! Where is the documentation they even spoke to my bank?
Their billing statement from XX/XX/2020 states the following : Previous Balance {$180.00} Payment - {$180.00} Other Debits {$180.00} Fees Charge {$27.00} Interest Charged {$0.00} New Balance {$210.00} Past Due Amount {$0.00} They are charging me a " fee '' for a past due amount of {$0.00}? I can't even make sense of their billing statements.
The check for {$210.00} was successfully delivered to XXXX on XX/XX/2020. I have the tracking number as reference and the log stating it was delivered. I feel like I have been completely duped into paying the fee of {$27.00} on top of having to pay {$26.00} to overnight the check as I don't trust Comenity or their electronic system. They failed miserably and have lost my trust.
11/21/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
NY
14626
Web
On XX/XX/2018, at about XXXX XXXX Eastern Time, I looked at the XXXX to potentially shop for XXXX for family members.
I saw the following advertisement on XXXX website : " GET AN EXTRA 20 % OFF your first purchase when you open & use an XXXX XXXX Credit Card.
APPLY NOW DETAILS ''.
I did apply and was approved. Att XXXX XXXXI received a confirmation email with the following information : " XXXX XXXX + your first Member perk : 20 % offXXXX XXXX + your first Member perk : 20 % off! | View Web Version Use Promo code : XXXX Offer valid through : XX/XX/2018 Registered Email : XXXX XXXX XXXX Member I.D . XXXX ( e.g. email and last 4 digits hidden for security ) ''.
I went to the XXXX website and selected a few items ; when proceeding to purchase, the PROMO CODE DID NOT APPLY.
I did not know my new XXXX credit card number, and called XXXX, or XXXX CUSTOMER SERVICE. At XXXX XXXX, I spoke with XXXX, an XXXX Sales Person. The XXXX Salesman was unaware about the 20 % promotion and gave me conflicting information to when and why I should be applying the promotion. The sales man told me I must wait for the XXXX credit card to ARRIVE ON MAIL AT HOME AND THEN TO SHOP AT XXXX. I asked the Salesman can't he give me my credit card information, and he told me that my Member ID 'should be working '' as a credit card ''. This information was misleading and false. I asked to speak with his supervisor from XXXX. I was placed on hold, but the call was hanged off.
Immediately, I called the XXXX XXXX at XXXX, since they issued the XXXX credit card. ONE NOTE HERE : IN THE EMAIL, FOR COFIRMATION OF MY XXXX CREDIT CARD APPROVAL XXXX XXXX WAS LACKING TO PROVIDE ME WITH MY CREDIT CARD NUMBER, HOW MUCH I WAS APPROVED FOR. When I called the Customer Service at XXXX XXXX at XXXX XXXX., the phone was answered by XXXX XXXX XXXX refused to provide me with my credit card number stating this is illegal. Thus, XXXX XXXX automated system recognized my SS # and provided me with my approved amouth of {$500.00}.
I was very disappointed. XXXX XXXX AND XXXX ONLINE SHOPPING WERE INVOLVED IN A FALSE ADVERTISEMENT TO FALSLY ATTRACT CUSTOMERS TOWARD APPLYING FOR CREDIT CARDS WITHOUT THE IMMEDIATE OPPORTUNITY TO SHOP ONLINE AND TAKE ADVANTAGE IN THE FAULSLY STATED PROMOTION OF 20 % DISCOUNT ON THE FIST PURCHASE.
As a customer, I have rights to know my credit card number immediately after approval and not waiting for the card to arrive on the mail. More so, the XXXX advertisement stated that I must be completing my purchases within THE NEXT HOUR to TAKE THE ADAVANTAGE OF THE PROMO 20 %.
NEITHER WAS TRUE : THE XXXX XXXX advertisement on XXXX XXXX for 20 % off first purchase and the XXXX online payment system which WORKS PERFUNCTORY AND WILLINGLY PREVENTS/disallows CUSTOMERS TO apply the promised 20 % off, or register on their website the credit cards they are approved for.
More importantly, due to the confusing and misleading advertising about the XXXX credit card ( when terms weren't clear, when I was prevented to find important information/my credit card number ), I messed up my credit score which when down. Because of the False Advertisement by XXXX XXXX and XXXX Online Sales, I applied for their store credit card and two inquiries will appear on my credit report. One, when I agreed to open the XXXX credit card at about XXXX XXXX on XXXX, due to false promises. And the second, at XXXX XXXX on XXXX, when I asked XXXX, the customer service representative to close immediately my newly opened XXXX credit card. I asked XXXX to state the reason for closing as 'FALSE ADVERTISEMENT BY XXXX XXXX ''. XXXX from XXXX XXXX refused to accept my request and the responsibility for the False Advertisement in XXXX XXXX XXXX illegal attempt to get more customers before the XXXX Friday.
I was greatly disgust by the false practices of XXXX XXXX and XXXX XXXX sale website. I am upset and greatly disappointed for messing my credit.
04/05/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
60655
Web
The information I am including in this consumer complaint form is related to a recent issue I encountered with XXXX Rewards Credit Card issued through Comenity Bank.
On XX/XX/2020 I called the Comenity/XXXX credit card number at XXXX to make a payment via electronic check by phone as I realized I did not receive a statement in the mail. I explained I was experiencing problems receiving my mail and that I did not want to incur any late charges as I am a customer who diligently pays all my bills on time.
Unfortunately, I was a few days late paying the statement, however, I still wanted to make my payment over the phone as I had previously done before using my checking account information. I spoke to a representative by the name " XXXX '' who verbally confirmed processing the payment and issued me with a confirmation number ( XXXX ). I also requested that my account be closed that day and asked her if I had any other fees that needed to be paid off. XXXX confirmed the only charges I had at that time were in the amount of {$250.00}. I made the payment through check by phone and she verbally confirmed the confirmation number.
To my surprise, I receive a call from an XXXX number a few days later from a representative named XXXX who explained she was calling from XXXX Credit Card to tell me that the check payment I made by phone was not processed correctly and explained the previous representative did not include one number from my checking account number in the transaction which caused the check to be returned. XXXX explained if I made the payment by phone with her I would not incur any additional fees. She also made adjustments to the payment and said I was overcharged and that XXXX should not have charged me the original amount. She charged me {$250.00} which was a minimal difference of XXXX cents. I made the payment and was reassured no additional charges would be sent to me and my account was closed as I did not want to deal with the back and forth calls I had to make to resolve this issue.
Consequently, I received a new statement from XXXX/Comenity with a charge of {$27.00} charged on XX/XX/2020 for return payment fees. I called on Thursday XXXX and spoke with XXXX regarding the charge. She stated she was unable to help due to the account being closed, put me on hold for 15 minutes, then the call was disconnected, so I proceeded to email customer service online.
On Saturday XX/XX/2020 I received an email from an XXXX XXXX stating they could not verify my identity and to reply to the email or call the XXXX. Interestingly, I had sent the message by logging in with my username and password, yet they still could not verify my identity. So I called and spoke to a XXXX who in turn transferred me to a supervisor by the name of XXXX.
XXXX put me on hold, reviewed the recorded calls, and then proceeded to tell me I did not provide the correct bank account information and that he could not be of help to me. Keep in mind I had previously used the same account information to make a payment by phone which was processed in XXXX. In addition, it was their representative who took my bank information, put it through and gave me a confirmation number. He also said due to me choosing to close down my account and choosing " XXXX '' to shop with that he would not be able to help me.
I explained that I was not being treated fairly and that despite the many years I had been a loyal customer who made payments on time I was not being treated as a valued customer. I believe his motive was out of retaliation as I chose to close my account.
I am reaching out to your establishment and urging you to help me get these charges reversed and to stand up for the average hard working citizen. There is no reason I or any one else should be treated unfairly when conducting these types of transactions. We are an essential part of the community who help these banks thrive and stay in business.
Thank you
03/12/2018
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MN
55410
Web
I have 2 issues with XXXX XXXX : 1 ) I was very past due on my XXXX XXXX and XXXX XXXX credit cards with XXXX XXXX.
I called to set up payment arrangements in early XX/XX/2018. The representative asked if he should use the bank account that I had provided in the past to pay the bill with on the XXXX website. I agreed. I thought everything was fine. About a month later, I noted that neither of the agreed upon payments came out of my account, and so I called to find out what happened. The " customer service '' I experienced this time was outrageously rude, unlike anything I have ever experienced in my life with any company.
On this phone call, the first agent spoke to me in a very mean and sarcastic tone from the moment she got on the phone. No idea why. She also spoke over me to the point of not allowing me to speak. She then actually laughed at me when I told her that her behavior was highly unprofessional. At that point she continued to talk over me loudly in a mocking tone telling me that my bank account was closed. Most customer service agents remain emotionally neutral. These people are insane. Comenity must be a horrible place to work to have such belligerent " customer service '' agents. It was surreal. I asked to be transferred to someone else.
The woman I was transferred to was only marginally better than the first. She had a thick accent that was difficult to understand, and she spoke quickly, repeating my name over and over. When I asked politely if she would slow down she became indignant.
Aside from the verbal abuse, which was surreal, this company is refusing to make rational payment arrangements with me.
As it turned out, the first person I made payment arrangements with back in early XX/XX/XXXXused an old, closed bank account that, for some reason, was still registered with my online XXXX account even though I had provided XXXX with the new bank account months ago. Had the first agent bothered to confirm banking information with me, everything would have worked out fine. I never would have gotten to the charge off point where I was subsequently backed into a corner where I was forced to either choose charge-off or a payment arrangement that does not work for me long term. They would no longer offer me a manageable 12 month payment arrangement, my only payment arrangement option was a 3 month arrangement with fairly manageable payment amounts for the first 3 months to become current, but after the 3 moth point I would be expected to make minimum payments of $ XXXX/month ( on a {$6500.00} total balance! ).
I explained that this was unmanageable for me, but the woman just kept yelling at me " what do you want me to do ... .ok, what do you want me to do? '' talking over me and getting angry with me because I was asking for another option. $ XXXX/month minimum on a $ 6000- {$6500.00} balance is outrageous.
It only got worse from there, with her also talking over me and actually making comments on my moral behavior by telling me I was a liar for using my husband 's bank account to make payments in the past?! Where do they find these people? What business is it of XXXX XXXX XXXX how my family administers payment to creditors?
Luckily, I recorded the conversation and took notes.
The other issue I have with XXXX is their unwillingness to issue credit to me for an item I returned in the store and have a physical receipt from showing the return. I have literally spent 6 hours on the phone trying to get this resolved and I have still not been issued the credit due to me. I have never had a company behave this waytaking a return of a brand new unused item and then refusing to issue the credit due? Who does that?
I called in to XXXX TWICE in a good faith attempt to pay the debts I owe, and in return this company has been financially and verbally abusive with me. XXXX, tell me why I should continue to try and make good on this when all I get is abuse from your people?
10/15/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Credit monitoring or identity theft protection services
Billing dispute for services
CA
94134
Web
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX, after I saw and ad on TV about a " 45 DAYS FREE TRIAL '' for hearing devices. I went there in good faith and I chose a model, then the technician told me that I should pay a deposit of {$400.00}, refundable if not satisfied with the product. I told him that if I liked them and buy them I would charge the devices in the same credit card I used for the deposit. ( he was not listening ). The devices would take 3 to 4 weeks to arrive and in XXXX XXXX I got them, tried them in the office and everything was fine until I went out of the office, the noises of the street the voices of the people and the noises at work were so bad, so distorted, unreal and I did not feel well, but as I was told I should try them 2 hours and then 3 and so on adding more hours as days passed.
Well. I could not get used to them and I could not wear them for more than one hour so I stopped even trying and I went back to return them on XXXX XXXX, XXXX.
The technician, showed me another model, and being simple minded as I am, I said ok, ( I was thinking I still had couple of weeks to try again to complete the 45 free trial period ). Then I had to wait another 3 to 4 weeks for the new model to arrive.
About 10 days after I returned the devices and while waiting for the new model, I got a bank statement from Comenity Capital Bank - XXXX, for the amount of {$7500.00} and since then I have been living a nightmare. I called and complained about the charge, why was I being charged for something I had not bought and they said that " I had ordered a new device and it was on its way and I just need to go and pick it up '' I said I did not buy anything!! I was trying them for FREE was n't I? They insisted that I had bought them and I insisted I was trying them until I could decide what to buy .... or NOT.
Then I told them why they had opened an account without letting me know about it? I had said that if I decided to buy I would buy using the same credit card I had used for the deposit ( obviously the guy was not listening ) I disputed the {$400.00}, that was charged on XXXX XXXX, XXXX, and the receipt was signed by somebody else, somebody that forged my signature. Then I disputed the {$7500.00}. Both banks gave me temporary credit, but XXXX XXXX XXXX fought back INSISTING that I had agreed to the purchase of the devices, they even had a copy, yes it was signed by me, ( simple minded me ) but I did not know it was a purchase, remember I went to a free trial? So I refused to pay and my credit report went to the ground, I appeared as " delinquent, I still do.
These people trick consumers with a false offer of free trial, and as soon as one goes to " TRY '' they make a purchase without telling the consumer that is a sale and not a free trial.
It took me a full year of arguing with Comenity Capital Bank-XXXX and XXXX XXXX XXXX XXXX to get this resolved without any luck, and they also kept their position that I had bought the devices. By the way, I never went back to the office to even try the new devices that had been ordered after I returned the first ones.
I contacted XXXX XXXX - Consumer Report and told them about this problem and they helped me in a way that miraculously XXXX XXXX XXXX admitted that I had not bought the devices and even refunded the {$7500.00} to Comenity Capital Bank - XXXX, but this last one is still giving me problems with late fees, interests and the balance is now {$760.00} with a minimum payment of {$710.00} All this had caused me a horrible credit report, my credit cards have been decreasing my credit line, I am denied credibility, my life is XXXX because of this.
The Consumer Report from XXXX XXXX staff told me that when a charge is in dispute, I am not liable for finance charges.
So now I am appealing to you for help before I get so much more frustrated and depressed and stressed that would lead me to commit suicide.
Thank you so much.
01/17/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
14225
Web
Hello, In XX/XX/XXXX I purchased three shelves from XXXX. When I called to purchase the shelves they advised that I would receive a XXXX dollar credit if I applied for their credit card. I applied for the credit card and was approved. My total charges for the items was {$260.00}. Two of the shelves purchased were {$99.00} and the other was {$79.00}. With the $ dollar promotion my total charges were around {$260.00} total. I made my first payment in XX/XX/XXXX of {$75.00}. ( PAYMENT WAS MADE ON TIME ) In XX/XX/XXXX I made a second payment. The second payment was the entire balance that was left on the card. This was {$180.00} and some off cents. On around XX/XX/XXXX I received a bill from XXXX in the amount of {$55.00} dollars advising that that was a flex payment that was due. I called the company and ended getting a supervisor named XXXX. He agreed that I payed all of the charges in full. He provided me with a complaint number XXXX. I recorded this conversation where he told me that the charges were not accurate and that after the complaint was reviewed they would remove them. He also stated that I would here something prior to XX/XX/XXXX when the Payment was due. XX/XX/XXXXt came and went. I received no letter from XXXX or the credit card company. On XX/XX/XXXX I received a new bill in the mail that not only included the previous {$55.00} dollar charge but I also included a XXXX dollar late fee for not paying the bill by XX/XX/XXXX. I called back XXXX and spoke to another supervisor who sang a different tune. He proceeded to tell me that these were late fees. My bill that I received in XX/XX/XXXX was for {$55.00} dollars and said it was for a remaining flex pay. Now he tells me that the bill I owe is actually for late fees. XXXX NOT TRUE ) I said " the charge you billing me Is for a late fee for a charge that is in dispute. Are you allowed to charge me a late fee for something in dispute? '' I then advised that I did not receive any communication on the dispute decision. He began to talk to me like I was an XXXX and told me that I need to follow up with my post office. I asked when was the letter sent out? He said " it was sent XX/XX/XXXX and it was received by your post office on XX/XX/XXXX ''. So again I say " ok, well that makes sense why it is n't here yet as this is a holiday weekend. Further, how can you charge me a late fee for an item in dispute where I have not even received a decision ''. He refused to listen to my logic any longer on how the charges are not vaild. He then said " ok, we can settle this if you pay {$24.00} dollars '' I say " If I pay {$24.00} ( WHICH I DONT OWE ) will this go away '' he says " yes ''. I said this {$24.00} dollars is my balance paid in full " he said yes ''. I paid the {$24.00} dollars as I realize they are not going to resolve this and I do not want this on my credit.
My {$55.00} dollar bill in XX/XX/XXXXwhere i was told it was a flex pay went to now being a bill for late fees and then a late fee for a disputed amount. None of it makes any sense. I paid my balance in full in the beginning of XX/XX/XXXX. So I did not owe it and am now afraid that they are still going to send me another bill. They refuse to be reasonable and are nasty to me and make me feel stupid. I work for a very large bank and I know this is wrong. I know that if they have done this to me they are falsely charging other people and talking them in circles until they give up and pay charges they do not owe. I am at my wits end and it is wrong what they are doing.
As I said above I have a recording of the first supervisor I spoke to in XX/XX/XXXX telling me I paid them in full and I do not owe anything else and then I receive a late payment fee for a charge I did n't owe.
Please help me get to the bottom of these horrible billing practices. I am a consumer who needs help getting to the bottom of this.
I appreciate all of your time.
XXXX XXXX XXXX XXXXXXXXXXXX
07/06/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
IL
60014
Web
On XX/XX/XXXX I applied for a XXXX rewards XXXX from XXXX XXXX upon pulling my XXXX credit report I was approved for a XXXX limit. Fine great terrific. Now I have a XXXX credit card to go with the XXXX car I financed in XXXX with XXXX XXXX.
Well not so fine. I received my cards around sometime in the first week of XXXX and not until the second week in XXXX did I call to activate them. All was good. Now also once I activated these cards they instantly appeared on XXXX XXXX XXXX and XXXX credit reports. All is good. Then about 2 days after I had activated the cards they have sent me I went to my online account to look up some information about the account and I find out I have no credit its closed. The account comes up as closed on all my credit reports. I had never even used the card and only activated 2 days prior.I called XXXX XXXX to try and find out what was going on and all I would get is during initial review I wasnt granted credit and I would receive a letter stating why. I stated is this how it works now you get approved they put account on your credit and then close the account.
This process is wrong as it creates an account on your credit reports and then closes and you take a 30 point hit on your credit score. If account wasnt approved which it shouldnt have been from the beginning the worst that happens is you get an inquirery on your credit report and you might loose 2 points on your score. To have an account open never used and then closed XXXX points on score or 2 points which would you take.
So then I get a letter from XXXX dated XXXX XXXX stating Account was closed because number of recent inquiries and number or inquiries was obtained from XXXX. The problem is XXXX doesnt even show XXXX XXXX XXXX as pulling a credit report and next all this should have been done from the beginning. This account shouldnt be listed on credit report.
Im not going to argue as XXXX has the right do do as they please but when they intentionally do things to hurt my credit score im going to get upset. Prior to XX/XX/XXXX I have only 3 credit inquiries in which one was a group of inquiries for a auto loan I co signed for my daughter prior to XXXX I have 3 from early XXXX for a possible home purchase. So is XXXX saying 3 inquiries in which one was for an auto loan prior to the date I applied for their XXXX XXXX on XX/XX/XXXX is too many inquiries? It states same on XXXX which is what they pulled on XX/XX/XXXX.
I applied for card because I heard good things about but now after this I have my thoughts about XXXX. I never in my life applied for a card was told I was approved and then a couple days after I activate it it is closed.
Im starting to think I am being discriminated against for some reason. I applied for a XXXX meijer card once in which I got back they couldnt approve because there was a security lock on my credit report and I would have to release it but they didnt name the reporting agency in letter nor when I called them. I didnt have any security locks and they pulled my report from XXXX and stated they couldnt pull my reports and I have this documented as I can review my reports any time any where and I get a notice when someone pulls my reports via text and email.
What was done was wrong while I would have liked to have the card as my main card what they did was not only wrong but unethical. Open an account grant credit then 2 days after call in to activate close account its never been used and report an open account on credit reports then closed account. There was never any access to the account. So because of my credit score drops 30 plus points for showing a closed account. Id much rather have them deny me when they pull credit upon application and loose only 2 points on my credit score than 30 plus for showing a recent closed account on credit reports for an account that shouldnt even be on credit reports as was NEVER used nor had access to.
05/11/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
PR
00913
Web
Good day, On XX/XX/XXXX I did a XXXX XXXX Promo Purchase and by XX/XX/XXXX I paid off the full balance, so I wouldn't have to pay any promo finance charge.
On XX/XX/XXXX I did other XXXX XXXX Promo Purchase for {$5600.00}. During the rest of the year, I was paying the minimum due. On XX/XX/XXXX I was doing regular minimum due payments. The promotion was about to expire on XX/XX/XXXX, so on XX/XX/XXXX, I made a payment of {$2400.00} using the first bank account on my portal, I was rushing to pick up my toddler and I didn't double check the account that I was using to make that payment.
Until two days later I realized that I was missing {$2.00}, so I immediately paid it using the second bank account ( which I thought I used it in the first place to pay the {$2400.00} ).
On XX/XX/XXXX, I got promo finance charged {$1200.00}, but I found out by an email until XX/XX/XXXX. I immediately call the number XXXX, I spoke with a representative and I explained that it was an honest mistake, since I already have a record that I paid on time the first promo purchase, I asked her to allow me to pay right away the {$2400.00} so the promo finance charge could be removed from my account, but she told me that she couldn't help me. I requested to speak with her supervisor and I talked with XXXX ( he didn't tell me his last name ) I explained everything again and I asked him several times to work with me, so I could pay immediately the amount owed. He kept saying that he was not able to help me in any way.
I called again yesterday, I spoke with other supervisor named XXXX and I told him that they never notified me ahead of time, there were 3 days before the payment was due from the time that I paid and I didn't get a notification about it. Again, he said that he was not able to help me.
The fact that this Bank didn't notify me, implies an intent to deceive the consumer, there was no transparency on their part since they were aware that the payment got rejected and therefore, they took advantage of an American consumer, which is me. Because my payment was done on a business day, they would have been able to notify me before XX/XX/XXXX. But instead, I got an email until XX/XX/XXXX saying that I owed them {$3700.00}. If there was not a deceptive financial practice in their part, why they didn't notify me during the small window to fix an honest mistake? This actually demonstrates bad faith on their part, because by not letting me know, they harmed me, financially speaking.
If I wouldn't have the intention to pay, I would understand their position by not removing the promo finance charge. However, I submitted the payment, I did it 3 days before the due date and I got 2 emails, the first one on Friday XX/XX/XXXX and the second one on Monday XX/XX/XXXX, that said thank you for your payment. This is confirmation that your payment toward your XXXX XXXX credit card has been processed. Thank you for your timely payment. Based on those emails, I thought that I had paid off the full balance as I did in fact with the first promo purchase Please, I need you guys to help me to make this company drop the promo finance charge, it is unfair to charge me {$1200.00} since there is evidence that I made the payment of the full balance 3 days before the due date. Even though it didn't go through, they could have let me know by an email that the payment was returned and I would have been able to fix the mistake immediately. Instead, they sent me an email confirming the payments and, 20 business days later I got other email indicating that there is a promo finance charge.
Based on the evidence that I paid off in time the first promo purchase with them, they should give me an opportunity to pay the {$2400.00}. I'm not asking this bank to waive {$2400.00}, I'm just asking not to pursue an unfair enrichment and unjust practice by making an honest consumer pay an extra {$1200.00}.
Thank you for your time.
02/22/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
CA
93550
Web
On XX/XX/XXXX, I called XXXX XXXX XXXX Rewards Master Card Comenity Capital Bank in regards to not receiving my credit card and to pay off my balance of {$31.00} + {$0.00} interest = {$32.00}, and employee XXXX took care of this transaction. I was told by him that my account was now at a XXXX balance. I had recently got this credit card to help build my credit on, XX/XX/XXXX.
I live in an apartment complex where my mail has been misplaced several times. I have documentation of my previous complaints to the US Postal Service to prove it. On XX/XX/XXXX, I called Comenity Capital Bank in regards to bills I continued to receive after paying my balance off with XXXX on XX/XX/XXXX, that was now a XXXX balance, and spoke to XXXX. I had not purchased anything from XXXX since I signed up for the credit card.
Per XXXX, he said that after I paid my balance, a late charge kicked in three days later and thats where the balance on account was coming from. I told him that XXXX never mentioned there was a late charge that was going to show on my statement for the following month, in XXXX. XXXX said that their system mightve not shown the balance at the time of my call. I told him that I thought it was weird that their system wouldnt show this supposed late charge and told him that I wanted to speak to his supervisor to go over that call, since they mentioned to me that the calls are being recorded. I told him that it wasnt fair that they failed to mention this to me and are charging me for something they couldve mentioned to me at the time of my call when I was paying my balance off. I wouldve negotiated something with XXXX at that time so none of this wouldve happen.
Again, I was trying to build my credit that I had now managed to get to XXXX. Im a single mother of XXXX. This charge is not right! And it happened during the pandemic when my work hours were cut short. I told XXXX that I was not going to pay the late fee and the new accrued charges that now totaled to {$110.00} and told him I was going to take legal action. I canceled my card with XXXX due to this unfairness and he said that even though I was canceling my card, charges will continue to pile up.
I was being harassed every day! I have numerous voicemails that I still have saved. I was getting about 3-4 calls every day.
My credit score is now hurting due to this. Since I refused to pay any charges, I have been getting harassed by Comenity Bank. I have numerous voicemails that I havent deleted off my phone. They left me several voicemails saying they will work with me during the pandemic with the payment plan, so, on XX/XX/XXXX, I called Comenity Bank and spoke to XXXX. Again, I was calling to work something out and asked to speak with a supervisor in regards to charges and the pandemic deal they kept harassing me about in the voicemails. XXXX was a very rude lady and said she was a supervisor. She asked if I can pay at least {$60.00} and I told her no and that I felt that I shouldnt have to pay anything because this late charge came after I paid my balance off and was left at a XXXX. She said my bal. that day was now {$140.00} and that an additional late charge was going to kick in, in three days, again. This lady laughed at me after not being able to help me and said that I shouldve just paid my balance when in the beginning and that wouldve been a deal and I wouldnt have to pay as much as the balance now was.
A collection company now has this account and continues to hurt my credit when I have done nothing wrong. Amount due now is over {$300.00}. This company is just greedy and obviously will hurt people and their credit just to to try to get something out of it.
I would like to take legal action and go to state court to clear my name. I would like for them to present all our recorded conversation for these dates ; XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, to match all my documentation.
10/03/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
NJ
08551
Web
Servicemember
BJs Wholesale Club told me if I opened a credit card with them, I would receive a {$40.00} credit on my first bill. I questioned the rep extensively about this credit and she assured me the {$40.00} would show on my first bill as a promotion credit. Got first bill. No {$40.00} credit. Called BJs. BJs Manager, XXXX, via a store rep told me they would give me a {$40.00} gift card. I asked if I could use this toward the charge on my credit card. They said no. Rep told me I was definitely eligible and didn't understand why I didn't get the credit. They told me to call the rewards division of the bank. I called 3 or 4 different numbers. Hung up on three times. Each time I called I had to go thru the ARU and answers all the questions AGAIN. Spent an inordinate time being transferred, put on hold, having to retell the issues only to be transferred and put on hold again. I finally reached a gentleman, XXXX, who told me he could give me a gift card or send me a check. I told him I didn't sign up for the credit card to be given a gift card. He said they could issue me a check but it would not arrive for 4 to 6 weeks. Long after the credit card is due. He also told me I would receive an email stating I would receive a check and assigned me a reference number XXXX. NO email. I then contacted the bank who issued the credit card in conjunction with BJs. I was unable to find a link on their site to dispute a charge so I sent a message asking where to find that link. Their response : From : Comenity Bank Sent : Saturday, XX/XX/2020, XXXX XXXX ( ET ) To : You Subject : Re : Fraud Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your Mastercard account. This card is issued by Comenity Capital Bank pursuant to a license by Mastercard International Incorporated.
Mastercard is a registered trademark of Mastercard International Incorporated.
Submitting a billing dispute is easy. To protect your rights under the Fair Credit Billing Act, we need to receive your dispute in writing through the mail, within 60 calendar days of the date on your first billing statement with the disputed transaction. Please include your : - Name - Address - Account number - Disputed amount - Specific transaction - The reason for your dispute Also, include any information that may help us such as sales receipts or other documents that may support your dispute. Send your written dispute to us here : Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX I responded saying by the time all this had taken place my bill would have become due and I would have had to pay it - negating the need for the dispute.
This whole this is fraudulent. I signed up for a credit card upon BJs urging and was promised a {$40.00} credit on the first bill. I did not get it. I then had to spend a large portion of my day trying to recoup this promotional credit. Neither BJs, the credit card rewards program or the bank is taking any responsibility for this other than saying they would issue me a gift card. Of course, I would have to go to the BJs store if I wanted the gift card - something I am not doing under the present virus situation.
Why does it always fall on the consumer to 'fix ' the inadequacies of a credit card, a rewards program or a bank? No one oversees the banks. It is a joke. They can do and do whatever they please. If they choose not to live up to their agreements nothing is done to them at the time or to prevent this in the future. They give you the run around and their solution to not accepting responsibility is to transfer you continually or hang up on you or both. Most people would not follow through on this. I am one who did although I am not sure that it will change anything. What are you going to do to protect my consumer rights?
Incidentally, applying for this credit card I didn't even want hurt my chances of securing another credit card I did want.
03/02/2018
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with rewards from credit card
PA
17112
Web
Dispute XXXX XXXX XXXX XXXX To whom it may concern, Ive opened a XXXX XXXX credit card in my name *******My account number isXXXX XXXX XXXX is partnered with XXXX XXXX.
Since opening my credit card account on approximately XX/XX/XXXX with XXXX XXXX Ive used my store card to make multiple charges at their XXXX XXXX store and website.
With my purchases per their agreement you earn XXXX store dollars for every XXXX XXXX and XXXX dollars spent. Over time I gained hundreds of valued reward dollars. These dollars earned are to be shipped to your address associated with the account in the card holders name. The mail is the only way to receive them. After you billing cycle they mail within acouple of weeks. As I am told.
After some time I realized multiple reward dollars were not mailed. I have made multiple phone calls to address this issue along with the misspelled last name on my credit card.
I have physically only received XXXX or XXXX reward dollar amounts via mail and I have called and confirmed with both XXXX XXXX and XXXX XXXX of my correct address on file.
These reward dollars have expiration dates and if these are not used they expire.
Since opening my account XXXX XXXX has verified via phone and XXXX on XX/XX/XXXX that {$160.00} rewards dollars have expired.
Showing 4 rewards as expired : {$50.00} that expired XX/XX/XXXX, {$25.00} that expired XX/XX/XXXX, {$75.00} that expired XX/XX/XXXX, and {$15.00} that expired XX/XX/XXXX. XXXXotaling, {$160.00}, Since then and previously in XXXX they have refused to resend my rewards per my request to my address or validate the expired ones and or provide them in some other form of compensation.
Essentially you can earn rewards dollars, but unless you make multiple phone calls periodically into XXXX XXXX XXXX by spending time on the phone going through their automated system so you may be able to speak with a human to provide you a rewards dollars code. More than half the time the people working on the phones for these companies are incompetent and provide invalid information. Which the companies hold no liability for this.
This is like adding another layer of protection to prevent the use of the reward dollars earned through the credit card.
My second issue on XXXX is making a purchase in store for {$460.00} on XXXXXXXX XXXX.
XXXX XXXX had hired multiple seasonal employees to work. With lack of knowledge and training at the register I attempted to use what rewards dollars I had to lower my bill of {$460.00}.
Incompetent and chaotic the store was the associate at the register couldnt figure out how to use my rewards dollars on my bill for XXXX.
I wrote down the numbers associated with the rewards dollars on a piece of paper to be used in store that day. I wrote the numbers associated for my rewards dollars down by calling into XXXX XXXX and to ask why again werent my rewards werent sent to my house.
I was advised by XXXX XXXX staff in store to call into XXXX XXXX customer service by phone and have these rewards reduce my bill at a later time. This was persuaded by in store staff because of how busy the store was.
After calling into XXXX XXXX customer service I was advised they would never do that and the rewards must be used at the time of purchase.
Since then I have been battling between XXXX XXXX and XXXX XXXX about my bill. I have become frustrated with the company and their replys of playing the blame game on each other. Example XXXX XXXXXXXX says its a XXXX XXXX issue and XXXX XXXX says its a XXXX XXXX issue.
I requested that my rewards be taken off my bill and close my credit card account after doing this.
XXXX XXXX has since closed my credit card account and forfeited all rewards dollars and account perks without the reduction of the balance on the account.
Both XXXX XXXX and XXXX XXXX have both said its not their fault and the blame is on the consumer.
04/11/2017
Yes
Consumer Loan
Installment loan
Managing the loan or lease
GA
30144
Web
PayPay Credit offers no payments no interest for purchases over {$100.00}. I have used this many times with different companies, usually eBay where I have no problems. On three occasions, I made purchases with XXXX for orders over {$100.00} and paid through PayPal credit. Each time, the purchases posted as a non-promotional purchase to where it was not showing 6 months no payments and no interest. I called each time and these were fixed to reflect the promotion. One associate advised that she did not know why it did not automatically do the promotion and another said that it should have done the promotion. The dates and amounts of these are as followed : XX/XX/XXXX for {$1400.00} fixed on XX/XX/XXXX, XX/XX/XXXX for {$520.00} fixed on XX/XX/XXXX, XX/XX/XXXX for {$710.00} fixed on XX/XX/XXXX. Once again, I had no issues getting these transactions resolved and I paid using the same method with to the same company ( XXXX ). Then on XX/XX/XXXX, I made a purchase again with the same company for {$1200.00} using the same method. In XX/XX/XXXX I realized that once again he promotion was not applied. I called to have it fixed but the representative advised that I was sending money directly to the merchant through PayPal credit and that they only allowed a temporary time for users to do that and it ended in XX/XX/XXXX ( she gave me a specific date but I do not have it on me ). She advised that the purchase would not qualify even though all others in the past have based upon their associates and their actions. I spoke with several supervisors. I asked one supervisor when they were going to notify customers that they can no longer use this promotion if sending payment to the merchant directly through PayPal credit and he advised that they were in the process. When I asked to speak with his supervisor he said they were n't sending out any notification. I feel that these are very unfair and deceptive practices. The terms and practices changed without the company letting anyone know. This is abuse for all those including me who made such purchases. It is a good thing that I did not make more, but I want the promotion and interest waived. This is like a credit card company saying you can have 12 months 0 % APR but changing their mind in the 10th month and then you get slammed for all purchases made afterward with no notification from the company. If the company made an error or decided to change their policy, this should have been communicated to customers. Not doing so and allowing them to make additional purchases is irresponsible and again very deceptive to the point where it borders on being illegal. Predatory lending. All purchases need to be adjusted and notification needs to go out. If this were a credit card company, there would be a class action lawsuit against them. They are not taking any accountability for their thoughtlessness or how it affects their customers. There is now a purchase that needs to be paid off first before the promotional purchases can be paid off and this can be a domino affect where they can make more and more money on interest if the consumer is unable to do so due to the malpractice of the company when it comes to these purchases. Deceptive, unfair, predatory, illegal. No consideration for past practices or purchases regarding the very same details ( same method of pay using their same method to the same company ). Consumers need to be protected from a company that does not want to own up to their own policies / mistakes ; where it lies depends on which supervisor you speak with and they all say they are supervisors with no one else to talk to. The first supervisor I spoke with said that there was no one higher than her to speak with. Very unprofessional, misleading, and downright lies. With each supervisor I tried to let them know that is was wrong but they have no concept of fair lending, consumer rights, or the CFPB.
10/25/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
NJ
08037
Web
XXXX XXXX and XXXX XXXX opened a credit card in my name illegally
They admitted culpability
Nobody was punished
>>>>>>>>>>>>>>Credit Report not fixed<<<<<<<<<<<<<<<<<<<
Background - dismissed complaint
We combined your duplicate complaints.
XX/XX/XXXX
Hello,
Thank you for your complaint XXXX about XXXX XXXX XXXX.
This complaint appears to be a duplicate of a complaint we've already processed for you. That complaint number is XXXX.
Keep this complaint number so you can track your complaint throughout the complaint process on our website at https://portal.consumerfinance.gov/XXXX.
XX/XX/XXXX
Hello,
Thank you for your complaint XXXX about XXXX XXXX.
Keep this communication and your complaint number so youll be able to track your complaint throughout the complaint process.
Summary of your complaint
Complaint number: XXXX
Date submitted to CFPB: XX/XX/XXXX
Product: Credit card or prepaid card
Issue: Getting a credit card
How our complaint process works.
Here's what will happen in the next 15 to 60 days:
STEP 1: We review your complaint. Depending on what we find, we:
Send your complaint to the company for a response; or
Send your complaint to the appropriate regulator or help you get in touch with your state and local consumer protection office; or
Let you know if we need more information to continue our work.
STEP 2: We send your complaint and the documents you provided to the company. The company has 15 days to respond and up to 60 days to provide a final response.
STEP 3: The company reviews your complaint, communicates with you as needed, and reports back about the steps taken or that will be taken on the issues you included in your complaint.
STEP 4: We post the companys response on your Consumer Portal and let you know the company has responded. You can log in to view the response on the Consumer Portal at https://portal.consumerfinance.gov/XXXX or call (XXXX) XXXX to speak with someone. Were here to help.
We keep you informed throughout this process. You can log in to your Consumer Portal at https://portal.consumerfinance.gov/XXXX to check the status of your complaint. If this is the first time youve submitted a complaint, youll receive another email with instructions to set up the password for your Consumer Portal.
ImportantIf you submitted this complaint on behalf of someone else or you are the co-owner or authorized user on the account and you did not submit the complaint yourself you will need to contact us by calling (XXXX) XXXX for questions and status updates. Only the primary owner of the account will receive access to the Consumer Portal.
Thank you,
Consumer Financial Protection Bureau
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Consumer Financial Protection Bureau
XXXX XXXX XXXX XXXX, IA XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas
In XX/XX/XXXX I bought crockery in XXXX XXXX store XXXX XXXX XXXX XXXX NJ for my sons wedding.
I paid with my own XXXX Card.
>>>>>>>>>>>Before I left the sales clerk opened a XXXX XXXX credit card under my name without my permission<<<<<<<<<<<<<<<<
In XX/XX/XXXX I got a credit card bill from XXXX XXXX requesting payment for the items I had paid.
Between XX/XX/XXXX and XX/XX/XXXX I was harassed with credit card bills and phone calls
by XXXX XXXX and XXXX XXXX the holder of the card until XX/XX/XXXX
In a XX/XX/XXXX letter (attached)
>>>>>>>>>>>>>XXXX XXXX finally agreed I had not signed a XXXX XXXX credit card application<<<<<<<<<<<<<<<<<<
That I had paid for the goods originally.
XXXX XXXX issued a bill showing all the charges were dropped
The original bill $XXXX and all the interest payment were removed totaling $XXXX see attached
I want this scam investigated
XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ 0XXXX XXXX XXXX XXXX XXXX
Cc XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas
07/28/2017
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account information incorrect
FL
34608
Web
I defaulted on my Comenity Bank/Victorias Secret credit card in XX/XX/XXXX. ByXX/XX/XXXX, they started sending statements for settlement on the account. In XX/XX/XXXX, I was able to settle with them, 40 % of the original balance of {$1200.00}. An agreement was made to make 3 installment payments of {$160.00}, submitting a total of {$500.00} to satisfy the settlement agreement. According to Comenity Bank, my third payment was never processed and is considered 'lost '. No further contact was initiated on the behalf of Comenity Bank stating that the settlement agreement was not satisfied. As time went by, I accidentally discovered that they were reporting an incorrect balance as a revolving account, racking up late payments, negatively affecting my credit score. In XX/XX/XXXX, I filed a dispute with the credit bureau, assuming it was an error that never updated. When the dispute was completed and came back verified, I contacted Comenity Bank inXX/XX/XXXX. For the past approximately 5 months, I have been in contact with Comenity Bank multiple times to solve this issue and directly work with them to fix this without further issues. I have received answers such as " the account states do not attempt to collect a debt '' when asked why I do not receive phone calls or statements via mail or e-mail in regards to my account. I filed a dispute with their billing department and each returned letter would state it is a duplicate dispute, and when I followed up via telephone, the customer service reps would have no idea what to do and transfer me to various different departments. There was no consistency with the responses I received and no one knew how to handle the situation of the 'lost ' payment and stated 'they report accurately to the credit bureaus '. InXX/XX/XXXX, I got a hold of someone who I assumed was finally going to help me. They requested bank statements as proof of payment so they could review and properly apply to my account and 'satisfy the settlement ', which I had submitted. At this time, they also stated that since my account was sold to XXXX XXXX XXXX, they had no history of my account prior toXX/XX/XXXX, stating they were unable to see anything in regards to the original settlement. Then, I contacted XXXX XXXX XXXX about my account and responded that the account was bought back by Comenity Bank and that I have zero obligation to the account, and to contact Comenity Bank for further issues. Official letter with this statement was sent via mail, releasing their liability for the account. I waited about 10 business days, per Comenity Bank, to allow the bank statements to be reviewed and applied to my account accordingly. Once again, I contacted Comenity Bank and stated the dispute was deleted and would need to file another one, and would need to re-fax bank statements. Throughout the month of XXXX, and into XX/XX/XXXX, I did this a total of 3 times. The gentlemen I spoke with in the settlement department stated he would handle it and would call me back within 5 business days. No returned phone calls and left numerous voicemails requesting he contact me in regards to this issue. Once again, XX/XX/XXXX, I called again and told them I had enough and have done everything I was supposed to and they still have yet to help me. The women I spoke with stated she would submit the request to satisfy the settlement and request to update my credit report, and should receive a letter within 7-10 business days. No response during this time so I followed up XX/XX/XXXX, asking if there was a status. Apparently, XX/XX/XXXX, the request was denied with no further explanation other than the settlement was not satisfied. The current balance states {$930.00}, which would prove that only two payments of {$160.00} would of been applied to the account. Basically, they are stating I never paid them, even with all of the concrete evidence that I have.
03/10/2017
Yes
Credit card
Billing disputes
GA
30329
Web
1. I was given misinformation regarding Comenity Bank/Pottery Barn Credit Card 's policies and practices regarding the reallocation of payments from the general to promotional plan balance. In a conversation with customer service on XX/XX/XXXX, I was told there was no time limit to how far back a customer to go to re-allocate a payment, so I thought I surely had plenty of opportunity to reallocate previous payments to cover my Promotional Plan balances 1 and 2 before their expiration in XX/XX/XXXX. For example, I had made payments on XX/XX/XXXX, and XX/XX/XXXX, {$1300.00} and {$1000.00}, respectively, which were both well above the minimum payment amounts of apx. {$200.00} at that time. If allowed to reallocate surplus payment amounts ( amounts above the minimum ) like promised, I would have had more than enough money to pay off the balances on Promotion Plans 1 and 2 before they expired, which were {$34.00} and {$480.00}. However, when I called several weeks before the two plans expired to reallocate past payment amounts, I was told there was only a 30 day window in which to reallocate payments - I no longer knew who to believe but they refused to reallocate. On XX/XX/XXXX, I was charged {$180.00} in back interest. I am disputing this interest, because it would not have accrued had I been able to reallocate my payments as promised ; or, if I had not been given misinformation and had budgeted to make additional payments accordingly.
On or around XX/XX/XXXX, in an attempt to avoid those charges from accruing, I contacted XXXX ( Pottery Barn ) corporate office, and spoke with XXXX, who stated by email, " My sincere apology for the continued issues with Comenity Bank. As previously mentioned we have no way to directly intervene with concerns regarding your banking credit card, but I have sent this to our Corporate Comenity Bank contacts as an urgent request for Comenity Bank leadership to contact you directly to provide issue resolution. I will update you directly if I am provided with update but as we are not able to take role as intermediary, I may not be contacted with update. '' However, I received no communication from Comenity.
On today, XX/XX/XXXX, I contacted Comenity to attempt to dispute the finance charge directly. I spoke with XXXX, whose last four digits of ID # are XXXX, who credited back only {$60.00}. He accepted that I was given misinformation, but felt that {$60.00} was appropriate because he stated I should 've questioned the misinformation when I received it because it had contradicted the information I had previously been given. " At that point, when he told you there was no time limit, I definitely would have asked more questions. '' Apparently, Comenity 's policy is not to stand by their statements and to require customers to second guess what they 're told.
2. There is no purpose of the 30 day window, except to make it more difficult for customers to pay back their promotional balances. All of this seems set up to make money for Comenity Bank.
3. Managing these balances had been consumed several hours of my life, requiring me to call in every month to reallocate payments. The amount of time one has to spend on this, and the lack of transparency and flexibility is unreasonable and should be changed by the company.
4. In addition, Comenity continues to have glitches causing misinformation to print on my statement every month regarding the " Original Purchase Amount '' of the Promotional Plan balances. For example, on plan 1, the original amount, as shown in my XX/XX/XXXX statement, was {$1100.00} ; however, on my XX/XX/XXXX, statement, the original amount was listed as {$380.00}. On Plan 2, the original amount, as shown in XX/XX/XXXX, was {$890.00}, but in XX/XX/XXXX, the original amount is listed as {$410.00}. The original amount should not change - it is a static amount representing a starting balance.
11/01/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MD
21012
Web
Servicemember
On XX/XX/2019, I contacted XXXX XXXX to schedule a house cleaning. During that initial phone conversation I gave them a specific, detailed list of what was to be cleaned. At their advice, we contracted with XXXX and cleaning was scheduled for XX/XX/2019. ( When I initially spoke with XXXX they said the job would take 6-man hours. They made that determination without ever setting foot in my home. At that time I told XXXX it was impossible to complete the items I wanted cleaned in that timeframe. I was assured the person scheduling the cleaning knew what she was doing and six hours was sufficient. ) On XX/XX/2019 a three-person crew arrived at my home. According to XXXX, the crew chief, one of the three people was a trainee and could not be left unsupervised. ( It should be noted that I have correspondence from XXXX that specifically states, Each staff member has had extensive orientation and training prior to servicing your home. ) The crew chief acknowledged that there was no way to complete the work I contracted for in the time allowed. Additionally, the crew chief told me that some of the work I specifically contracted for is not cleaning that XXXX provides. The work was NOT completed satisfactorily. Both the crew chief and I called XXXX that day to express our concerns but we were not able to make contact while the cleaning crew was at my home. I expressed my dissatisfaction before the crew left my home. That same afternoon I reached out to XXXX XXXX to express my dissatisfaction. They were able to read to me over the phone the specific items I had requested and had contracted to be completed. XXXX XXXX understood my frustration and told me they would make it right. Later that day I spoke with XXXX from XXXX who refused to send out a team to complete the work and took no responsibility for the poor, incomplete job that had been done. However, the information XXXX sent me states, We are so confident in our service, we guarantee it. If you are not satisfied with a certain area of your home, simply call us within 24 hours and we will re-clean the area for free. On XX/XX/2019, I reached out to XXXX to dispute the charge on my credit card statement. I left a message for XXXX and received no response. On XX/XX/2019 I spoke with XXXX XXXX who reached out to XXXX and assured me I would be receiving a call from XXXX that afternoon. XXXX, from XXXX, called that afternoon and stated they are only responsible for estimates and scheduling. She would send an email to the manager, XXXX, at the local XXXX XXXX location. On XX/XX/XXXX I received confirmation from Comenity bank that our dispute had been received. On XX/XX/2019 I reached out to XXXX XXXX and requested documentation of our XX/XX/XXXX phone conversation outlining the specific work I contracted XXXX to complete. That information was never received. On XX/XX/2019, I called back to XXXX XXXX and was advised I had to send a request in writing in order to receive the transcript of the XX/XX/XXXX phone call. I sent that request on XX/XX/2019. On XX/XX/XXXX I received a letter from a Corporate Paralegal at XXXX XXXX stating they require our investigating bank to send them a request, on their letterhead, detailing exactly what information they require XXXX XXXX to provide. I have been in contact with Comenity Bank on multiple occasions attempting to dispute the charge. I received multiple form letters in response stating our dispute was received, requesting further information ( which was provided multiple times both over the phone and in writing ) and ultimately that Comenity is unable to send communication to any third parties as you requested and that the dispute was concluded. My frustration is that I was billed for services that were not completed and Comenity Bank is refusing to contact XXXX XXXX to obtain the documentation necessary to fully investigate my dispute.
01/18/2017
Yes
Credit card
Billing disputes
FL
33319
Web
To whom it may concern, I am having an issue with Zales. On XX/XX/XXXX, I bought my wife a ring from their store. The sales representative recommended that I do the in-store financing, so I agreed at the time because of the deferred interest incentive. I received my first bill along with my physical Zales card in the mail exactly on the day the first payment was due in XXXX. When I got home that night, I went ahead and created an online account and paid the payment. After the fact, the payment defaulted to the next day and caused me to incur a {$25.00} late fee ( which I discovered in XXXX XXXX. I then proceeded to exchange the ring for a more expensive ring on XX/XX/XXXX. The sales representative told me that I would not be charged an additional financing fee and my payment schedule would change to reflect the new purchase. When XXXX comes up, I noticed that I did n't receive a bill, so I called the store to speak with the representative and he recommended that I pay the minimum payment, which is always {$25.00}, while I wait for the new bill, he even told me that the bill technically would be due XX/XX/XXXX ; I went ahead and paid {$50.00} on XX/XX/XXXX. I never did receive a bill for XXXX. In XXXX, exactly one month later, I log on and make another payment for {$25.00} on XX/XX/XXXX because I also did n't receive a bill. At the time when I logged on, I saw I was hit with late fees for every month and the payment date never changed ( it remained the original XXXX of each month ). Prior to this month, online statements were not available so I really had no idea of what was going on. I also saw that I was hit with an additional financing fee because of the way the sales rep rung it up. I called the financing department and spent over 45 minutes on the phone and the agent gave me a hard time and finally agreed to waive one of the late fees ( that 's {$25.00} of {$75.00} ) and only through my persistence, she agreed to waive the secondary financing fee. I do n't understand how a company can be so unaccountable, the agent told me it 's my fault not the sales representative for giving incorrect information. She also said it does n't matter that I have n't been receiving my statements it 's still my fault. Ironically enough, after that conversation with the agent and verifying that the correct contact information was on file, I mysteriously received both XXXX & XXXX 's bill approximately a week and half later. I have already spent enough time on this matter trying to reach your company via phone and social media and I feel as though I 've been taken advantage of. I have spent over $ XXXX in the past 3 years in your store ( including recent purchases made during the XXXX season of XXXX ) and I feel greatly disrespected by your company. I writing to you today as a last attempt for your company to take some responsibility, educate their sales staff, and resolve these issues on my credit account. I will exercise any and every avenue to pursue a claim for these egregious late fees tacked on to my account and I will only accept a full and complete refund of the remaining {$50.00} in late fees.
Update*** XX/XX/XXXX I just called customer service to verify the 12 month deferred interest promotional plan expiration date and it turns out that even though I returned my purchase made on XXXX and bought something else in XXXX, the representative rang up the net difference rather than doing a full return and repurchase and charged it to my Zales Card. This has now caused me to be on XXXX different promotional plan cycles in terms of when the deferred interest incentive ends. This is also why I have been getting hit with late fees. Additionally, because I am getting hit with late fees, they are n't fully applying my payments because they are offsetting the late fees ; it now looks like I am not even making the minimum payment.
12/05/2016
Yes
Credit card
Billing disputes
CA
90029
Web
On XXXX/XXXX/16 I applied for and was approved for an HSN credit card whereupon I ordered a vacuum & scented disc accessories. I opted to use the flex payment plan which would spread the payment out. Upon receiving the vacuum it was not the correct color I ordered. I contacted HSN and was told it was their mistake but they did n't have it in that color any longer and not sure when it would be but I could check back. I decided to return it, along with the scented disks after calling back to see if the color was available. On XXXX/XXXX/16 I used the XXXX shipping label provided by HSN for their claimed VIP Easy Return policy. I took the package to to a XXXX store and processed at XXXX. The package reached their XXXX XXXX distribution center on XXXX/XXXX/16 at XXXX and signed for by XXXX XXXX XXXX I received a bill for XXXX w/ payment due date of XXXX/XXXX/16 that did not show a return but I assumed it would take at least XXXX billing cycle to reflect it. However, when I received the XXXX bill ( payment due XXXX/XXXX/16 ) not showing the return and also a late fee charge I called Comenity Bank and was referred back to HSN to resolve it. I spoke to customer service representative XXXX on XXXX/XXXX/16. She said that the returned merchandise sometimes takes up to 6 weeks to get processed. She then suggested I make the payment and get a refund later. I said no, I was not going make a payment for something that was no longer in my possession but was in HSN 's. She agreed to give me a credit for the amount due plus late fee and said it should be resolved. I got another bill in XXXX with more charges and late fees. On XXXX/XXXX/16 I called Comenity Bank and spoke to XXXX. He said he could n't do anything about it and I would have to call HSN. I called HSN that same day and spoke with XXXX. She reversed the charges and assured me she had taken care of the issue and I should n't get billed again but it XXXX take 5 days for the bank to process XXXX checked online on or about XXXX/XXXX/16 to see if the issue was resolved as XXXX had promised. It was not so I filed a complaint with the FTC. I contacted HSN via email on XXXX to inform them of such. I exchanged several emails with XXXX & XXXX both of whom were Senior Account Supervisors. XXXX assured me that the merchandise had been returned and all charges and fees were returned. I assumed once again that it was no longer something I need to worry about or have to call again on. However, did continue to check online to see if there were any charges and of course there were. On XXXX/XXXX/16 I filed another complaint with the FTC this XXXX against Comenity Bank because the charges had not been removed. Sometime in XXXX I began to get numerous calls from a number I did not recognize. I finally called the number after so many calls and no messages. It was, to my surprise the collections department of Comenity. My account was now in collections for failure to make a payment! On XXXX/XXXX/16 I spoke with XXXX ( employee ID number XXXX ). She assured me that she would fix this issue. I told her I had no faith in that since this had been going on for so long. She was adamant that it would stop with her and she would be the XXXX to fix it at long last. Thus, I believed her and did not concern myself with any other billing statements. Around XXXX/XXXX/16 I received notification from a credit monitoring service that XXXX/HSN had reported XXXX late payments to XXXX. I filed a dispute in attempt to resolve it. On XXXX/XXXX/16 I received notification from Credit Karma that it was resolved. When I checked my credit report there was no change. I then called XXXX. I was informed by XXXX that XXXX had failed to respond to the dispute thus it would remain on my report but I could file another. This would require me to mail or fax a long list of documents to XXXX. I felt this was unfair to me.
08/16/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
FL
32110
Web
To Whom It May Concern, My billing dispute inquiry confirmation numbers are : XXXX and XXXX, dispute transaction XX/XX/XXXX XXXX XXXX. XXXX NY - {$880.00} and XX/XX/XXXX XXXX XXXX. XXXX NY - {$880.00}.
I tried to resolve this dispute several times with XXXX VISA - Comenity Capital Bank. The first letter was sent on XX/XX/XXXX with all documents that they requested ( Cancellation of flight letter from XXXX XXXX XXXX, XXXX, Invoice from XXXX ). I have a receipt from USPS with the tracking number ( XXXX XXXX XXXX XXXX XXXX XXXX ), which confirmed my letter was delivered to your XXXX XXXX XXXX XX/XX/XXXX. Since that time, Comenity never contacted me or asked for any additional information. Instead my dispute was NEGLEGEBLY investigated and WRONGLY closed.
I received a letter dated XX/XX/XXXX stating that my dispute was closed and I need to contact XXXX XXXX directly and they should be able to refund my tickets due to COVID-19 policy in place. That in fact shows that they never read my first letter in detail where I explained that the tickets were purchased through a XXXX XXXX XXXXXXXX. I had to spend a lot of time on different calls to Comenity customer service. I spoke to several representatives, as noted on my account, XXXX, manager XXXX, XXXX, XXXX explaining over and over to them that I paid directly to XXXXXXXX XXXX XXXX and not XXXX XXXX. After which the dispute was reopened on XX/XX/XXXX. I call several times after that to make sure that the dispute is being worked on and the original letter was received, and no additional information was required or requested. Comenity representatives assured me that everything has been received and nothing needs to be done on my side.
I received another latter dated XX/XX/XXXX stating that my dispute was closed again because I did not provide the requested additional information ( WHICH WAS NEVER REQUESTED FROM ME ). They suggested that if I want the dispute to be considered and possibly reopened I need to send more information.
I sent Comenity all the information again. In addition I attached several documents that prove that XXXXXXXX XXXX XXXX is fraudulently extorting money out of me for services that where not provided and will be breaking the law by holding my funds up to 6 months before releasing them. ( Please see attached USDOT Refund Policy and Time Frame ) REASON FOR THE DISPUTE : XXXXXXXX XXXX XXXX refused to give me my full refund for the service I paid and ask me to pay them directly a fee of {$250.00} so that they would request my ticket to be refunded or issue me a voucher from XXXX XXXX for the flight that were canceled. As per United States Department of Transportation Enforcement Notice regarding refunds by carriers given the unprecedented impact of the COVID-19 public health emergency on air travel issued on XX/XX/XXXX https : XXXX ( See attached USDOT Refund Policy ), obligation of airlines to provide refunds, including the ticket price and any optional fee charged for services a passenger is unable to use.
On XXXX website it says that it will take them six ( 6 ) months to even consider the refund request to refund the money. ( See Attached Apply for Refund Inquiry for XXXX ) As per United States Department of Transportation ( See Attached XXXX Refund Time Frame ) if a passenger is owed a refund, an airline, travel agent, or online XXXX XXXX MUST process it withing seven business days if the passenger paid by credit card.
I also filed a complaint with USDOT in regard to the unfairly prolonged refund time of XXXX.
The XXXXXXXX XXXX XXXX DID NOT PROVIDE ME WITH THE SERVICES THAT I PAID FOR. THEY ARE TRYING TO FRAUDULENTLY EXTORT ADDITIONAL MONEY FROM ME.
RESOLUTION : I am looking for a full refund on my purchase of the airline tickets.
I have not heard back from the Comenity Bank.
Thank you for your time and consideration in advance
11/09/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
78759
Web
This is regarding my XXXX XXXX XXXX Credit card. I made a purchase of {$1400.00} on XX/XX/XXXX against No Interest Scheme for 12 months.
I made regular monthly payments of {$120.00} every month. However, it was very painful payment process as they did not allow Automatic Recurring Payments to be setup beyond 30 days.
I tried setting up Automatic Payments but there is no Automatic Recurring Payment Facility available on XXXX XXXX Comenity Cards Website. I also complained about this but they said this has been agreed as a Bank Policy not to allow Automatic Payments. This was very strange reason in today 's generation of Smart Automatic world.
Due to the lack of Automatic Payments Setup feature at Comenity 's end and technical reasons, i missed my last payment of {$110.00} on XX/XX/XXXX. However, as soon as possible, i made it immediately on XX/XX/XXXX i.e. just after 6 days.
For your reference, I am listing down the previous regular payments done on time as below : XX/XX/XXXX PAYMENT-THANK YOU - {$51.00} XX/XX/XXXX PAYMENT-THANK YOU - {$70.00} XX/XX/XXXX PAYMENT-THANK YOU - {$120.00} XX/XX/XXXX PAYMENT-THANK YOU - {$120.00} XX/XX/XXXX PAYMENT-THANK YOU - {$120.00} XX/XX/XXXX PAYMENT-THANK YOU - {$120.00} XX/XX/XXXX PAYMENT-THANK YOU - {$120.00} XX/XX/XXXX PAYMENT-THANK YOU - {$120.00} XX/XX/XXXX PAYMENT-THANK YOU - {$120.00} XX/XX/XXXX PAYMENT-THANK YOU - {$120.00} XX/XX/XXXX PAYMENT-THANK YOU - {$120.00} XX/XX/XXXX PAYMENT-THANK YOU - {$120.00} XX/XX/XXXX PAYMENT-THANK YOU - {$110.00} Then i realized on XXXX when i looked up my account online that they have charged a heavy interest of {$480.00} as below : XX/XX/XXXX FINANCE CHARGE {$240.00} XX/XX/XXXX FINANCE CHARGE {$2.00} All this is because of last payment missed by 6 days only and that too of {$110.00} amount. Not sure how they can charge so much heavy interest when payments have been made regularly.
I called them on XXXX and talked to three of their Supervisors and told that if the last payment miss is my mistake and i agree to it but it is also because of the Automatic Payment Facility missing on their part. They should be responsible for this action as well. Anyways, I asked to charge me for the interest for last 6 days and that too on {$110.00} only as most of the Principal amount has been paid. But all of them showed their helplessness and they said, it can not be done. I requested them to help me as this is too huge an interest and i can not pay this. They acknowledged they want to remove it but they can not as they are not authorized to do so. I said this is too much stressful to me and this should not be done to their customer. But I have no option now but to close this account and complaint about this Fraudulent practice of Interest Charging and not allowing their customers to setup Automatic Recurring Payments so that they fall into this trap of not paying on time and they miss payments.
I again called them on XXXX and requested to waive of the huge interest but to no resolve. Finally, i closed my account on XXXX.
As it's evident, i made significant monthly Principal Payments every month on time. I want to report this as Fraudulent Calculation and Charging of Heavy Interest Amounts despite paying almost most of Principal amount on time. I would also like to complaint that all this happened because of XXXX not allowing their customers to setup Automatic Recurring Payments to ensure the customers miss payments and fall into this never ending trap.
Now, i have closed my account to avoid incurring any further charges on my account. I also would like to highlight that this should not affect my credit history and should be avoided by the bank to be reported to Credit Bureau Agencies.
Please help me out to get this sorted by the Comenity Bank. Their address is below : Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX
01/02/2022
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
FL
32259
Web
Older American
This is regarding Re : XXXXXXXX XXXX XXXXXXXX Acct # XXXX.
When I went to confirm what I expected to be a 0 or less balance yesterday XXXX XXXX, XXXX for the aforementioned account I was completely surprised and disappointed I was assessed a {$1400.00} Finance Charge.
I had been very conscience in making large monthly payments to ensure the full XXXXXXXX XXXX XXXXXXXX Acct # XXXX loan was paid off by XXXX XXXX, XXXX. I had every intention to make the final payment for the XXXX XXXX XXXX Acct # XXXX loan by XXXX XXXX, XXXX however because I was in the middle of a mortgage refinancing ( refi ) for purposes of debt consolidation had extenuating circumstance which caused confusion with the final payment due XXXX XXXX, XXXX. Yesterday I also called the merchant XXXX XXXX XXXXXXXX ( no longer dealing with Comenity ) and Comenity and both consumer representatives said they could not do anything to rectify the {$1400.00} Finance Charge which I believe to be unfair and deceptive practices compounded by the extenuating circumstances around my mortgage refi. I have been a long time and active customer and Comenity should be working with me to resolve.
The extenuating circumstance were : 1. I was in the midst of an approved mortgage refi for debt consolidation purposes and in the attached XX/XX/XXXX XXXX XXXX ( XXXX loan approval ) on Page 4 the underwriter asked me to provide the latest monthly statement balances for many accounts ( including XXXX # XXXX ) the underwriter would pay off directly upon closing the refi loan. In that same section on Page 4 you can see clearly see the underwriter instructed me to ***Please do not pay these off prior to closing. Doing so will require significant paperwork and time to document the payment.
2. On the top of the same page 4 of the XX/XX/XXXX email I submitted the latest CCBXXXX # XXXX account balance which was {$960.00} and is attached ( XX/XX/XXXX XXXX ).
3. In the same attached email trail on XX/XX/XXXX ( XXXX loan approval ) on page 1 after emailing the underwriter my concern that My interest free financing for XXXX XXXX XXXXXXXX ( CCB/XXXX # XXXX ) starts accumulating interest XX/XX/XXXX, I intended to payoff however you told me to not pay it off so I made my regulatory scheduled payment {$200.00} today. Please let me know if I can pay off or wait until after we complete refi. The underwriter told me to wait and hold off making the final payoff because the refi was too far in the closing process.
4. Because the loan was taking longer to close when I reviewed the attached XX/XX/XXXX Statement CCB/XXXX # XXXX the underwriter advised me to pay the minimum {$35.00} balance and that I would be able to recoup any overpayment after the loan was closed. At this point the statement had a {$760.00} balance reflecting the XXXX XXXX, XXXX {$200.00} payment and everything looked as I expected.
5. You can clearly see in items 3 and 4 above I thought the unpaid balance would accrue interest only on the unpaid balance of {$760.00} and that Comenity and I can settle any residual amount. Throughout all my previous interest free loans this has never happened to me, probably because I paid the balance when it was due. The terms of the loan were vague and confusing and I simply assumed I would be paying interest on the unpaid balance. The statements are not 100 % clear about the consequences of not paying off the loan on the final due date and I consider this to be unfair and deceptive consumer practices and have filed with the Consumer Financial protection Bureau ( see attached ).
Lastly I have a good recent history with Comenity however if this is not resolved I will certainly reconsider keeping these active accounts open.
XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX active XXXX Account XXXX XXXX XXXX active XXXX Account Ending in XXXX paid off
06/10/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
TX
77713
Web
Late XX/XX/XXXXI applied online for the XXXX XXXX XXXX mastercard which is supplied by Comenity Bank. I was approved and it was a Saturday that I received it in the mail and about a week later when I tried to make a purchase on XXXX XXXX XXXX XXXX XXXX website I kept getting an error message. The date of this I believe was XX/XX/XXXX. The customer service agent stated it looked like I needed to activate it so she forwarded me to that department. While I was on hold I went to the website to activate my card and successfully activated it again. I still wanted to talk to the agent and when they answered they looked into it further and stated it was closed. I didn't close it. She stated they closed it because of too many inquiries. I hadn't even had the card two weeks. I hung up and called back after thinking. I finally got a high enough manager to give me the corporate office 's address to mail them a complaint which will do little because they can't reopen a closed account. XXXX was the name of the person I talked to that day. I asked him if the department that closed it was an actual person that looked over this or is it automated. He stated it was automated which means a computer which means a program which means an algorithm that is made by a human or humans that are flawed with errors. He also confirmed that it was closed. I asked him how can I activate a closed account again while I was talking to him and he had no answer. This bank has two computer programs working against each other. I applied a few days later after getting this card for a XXXX card and got approved. Most of all my cards have high limits on them XXXX k and above which doenst happen unless you are worthy. I took a hit on my credit report for the credit pull. They hurt my credit score drastically for closing my account in which case if I had known their practices I would have never applied. I have read up with others with the same situation. and not just with the XXXX XXXX card. If they have two computers working against each other then I should have never got the card and only taken a few points hit on my score with just the pull. Now my over all age is hurt because this account has already showed up on my report and now closed in one month will show a flag with other credits that may consider me for credit line increases which happen without ever having to ask for them. I have cards with XXXX, XXXX, XXXX and one other that I cant remember specific name of the bank that handles that card. I have store, Visa and Mastercards with them and I have never ever been treated this way by them. XXXX XXXX XXXX website advertises apply and get XXXX bucks off your first month statement which is false advertisement since this bank has two systems working against each other and I cant even keep the card open long enough to get that in which I was approved to get. I hold them responsible as well and have contacted this company and awaiting a call back. I am relentless and ruthless in my pursuit to contact each and everyone of the store brands that comenity supplies financing to. Then Im going to research and find every major investor firm of these companies and contact them of the problems this bank causes the customers that they have invested money into these companies. The CEO will have to answer to them, especially if they are losing money and change happens when other peoples money is affected. I am not the first nor will I be the last that this bank has hurt and when they go out of business I know I have done my job what I have set out to do. Sure this bank has investors to answer but none of these stores have to give them their business and we live in the USA where capitalism prevails and there are other banks like those that I have mentioned that would love to make more money off the stores and customers they are hurting
12/29/2016
Yes
Credit card
Closing/Cancelling account
GA
30092
Web
To Whom It May Concern : While shopping at XXXX, during my check-out I was advised I had been pre-approved would I like to accept the offer, I subsequently did. The same scenario occurred with XXXX, XXXX 's XXXX, and XXXX. I never authorized or gave permission to have my credit file accessed with a " hard '' pull, I never provided my entire social security number. After receiving a denial letter for the XXXX account which indicated " first party fraud '', I called in on XX/XX/2016 and spoke with a XXXX who was completely oblivious and said he 'd never heard of anything like that before o_O, thus I requested his supervisor, she then gets on the phone and calls me " XXXX '' - confused as that is not my name and I had just previously spoken to someone I was n't sure why she would randomly call me that!
XXXX told me I would need to wait 30 days for the XXXX account, due to the number of inquiries, however my other accounts that were recently opened were just fine. Fast-forward to XX/XX/XXXX I attempted to activate my Sportsman 's Guide I had just received in the mail, it was not activated, I was told it was reviewed and closed due to number of recent inquires on XX/XX/XXXX, I was told by XXXX, my XXXX and XXXX were not affected. I called into the executive office to see about reinstating my accounts, I have a XXXX of 754, it defeats the purpose of pre-approving someone only to close an account a week later.
This does damage to XXXX, Inquiries, etc. and is an egregious archaic form of banking lacking in sufficient logic. I find this behavior to be very misleading, unfair, and deceptive not to mention when you call for clarification you receive ambiguous responses. Every time I have made contact with them whether initiated or received, they ALWAYS address me by a DIFFERENT name! Today I was XXXX! ... .As someone with XXXX and XXXX, this type of " verification '' is stupid, here you have me giving you my account number but you call me by a different name what type of XXXX is that. You do n't XXXX from XXXX I was told the department does n't take calls but an e-mail will be sent over to see about reinstating my accounts. This information should not be reported on my credit bureau reports, or marked " closed by credit grantor '', I want all activity ( any inquiries and accounts ) from Comenity bank DELETED and ERASED from all my credit reports for obvious reasons. I want to return all merchandise I bought from each company and refrain from doing future business with them or this horrible 'bank '. There is a serious flaw in their business module and it needs to be adjusted, it is giving them a bad name with potential business and affecting the business accounts they serve bottom line, people do n't want to do business with a company who has such irregular behavior. It is not fair to have my credit reports affected for years to come because of their incompetent banking policies. Deceptively opening the account 's with bait-n-switch only to have adverse actions affect these reports into the future that we have been working so hard to solidify is absolutely INFURIATING!! Chutzpah! They clearly lack ethics in terms of honoring fair lending practices.
Approving an account for a week only to create a negative impact on the CRBs for years to come is Unfair Trade Practices against consumers ; an initial denial would have been one thing but to create a long term blemish is despicable! Just downright nasty and unbecoming ; corporate mentality : short term bottom line. When management has no coherent vision to improve services & the bottom line, they 'll try any scheme without regard to effectiveness or casualties. Responsible lenders will treat responsible customers responsibly. All CC companies can suspend your spending privileges without shutting down your account, or reporting your credi
02/25/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
AR
72758
Web
when we filled out the application, we were not given any further assistance in the store, no online account set up no documents to take home with our information on it nothing of the sort.
just recently I talked with comenity bank, they didnt even have our email address until now. When I or my husband would make a payment through the phone ( he was authorized on the account ), they would tell us that they couldnt give us sensitive information over the phone about the account. When we would go into the store, they would tell us that they did not have access to the account number, last date to pay, or any information about deferred interest. We have not been receiving any statements, so we have been blindly paying it off in good faith hoping comenity bank wouldve told us over the phone about the situation we are now in.
I asked the lady in the zales store in XXXX what our balance was, and she told us, Around like XXXX so not only did she not give us a definite answer, but she also seemed unsure and couldnt even tell me anything else about the account. we were worried about it so we started making calls trying to get some information out of anyone possible.
On the day we spoke to the XXXX in store, I reached out to Zales and talked to a representative and theyre response was that the interest was valid due to the fact that we got a statement in the mail, but we havent received a single statement, we still havent even got our credit card. I explained this to the XXXX, but she could not assist me at all, so she got her supervisor on the phone and the supervisor said the same thing. After discussing the situation to no avail, she told me that I could write a letter in the mail to Comenity Bank and send a dispute letter and the call was ended.
We sent the dispute letter On XX/XX/XXXX, that same day we tried to call the first number we found ( XXXX ) on Comenity banks website and it sent us to a debt collector which was odd. The second number we called ( XXXX ) was not in service.
When we finally found a number that worked, we told the comenity bank representative of our problem. XXXX was more kindhearted about our situation and told us he could file the dispute on my behalf. comenity bank didn't have my email, so he put it on file and told us that we would hear back within a week about the verdict.
When we did not receive any verdict, we called Comenity Bank again, only we recorded it this time for proof on our behalf of what we are going through and struggling with.
We were given a rather unprofessional representative who didn't seem bothered by our issue, she said she couldnt help and sent me back to Zales customer service.
We talked to Zales once again and it was just a whole step back to the beginning, the representative transferred us to her supervisor and the supervisor wasnt any help at all either. But he did tell us that the Comenity bank representative did not file any dispute like he told us he did, so we were Deceived, and all of our efforts were wasted.
Throughout the life of the account, we have tried countless times to get information without success, we would be told in store they didnt have that information we had to call for it, when we called, they said they couldnt give us that sensitive information, but they would take our social security number over the phone, so it contradicts their statement, how were we ever supposed to get our information to pay or even know anything about our account?
So, after so much energy exhausted only to be shut down and belittled, we have decided to contact the consumer financial bureau. we have been getting robo calls everyday and just recently they have started sending my wife emails to assist us in enrolling an online account but it is too late now, we tried many times in the past and were always denied the opportunity.
12/26/2021
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Application denied
GA
30083
Web
Re : Reference Number XXXX Notice to all, I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof or the surname/given name ******, and I have been appointed and accept being the executor both public and private for all matters proceeding, and hereby claim that I will d/b/a ******* and autograph as the agent, attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I dispose the following facts, so be it, now present : Fact, the Equal Credit Opportunity Act and the Consumer Credit Cost Disclosure are intended to secure my right to credit. My rights have been denied and Comenity Bank has discriminated against me so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of fraud and theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Comenity Bank violated 15 U.S. Code 1642, 15 U.S. Code 1602p and 15 U.S. Code 1691.
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Comenity Bank violated 15 U.S. Code 1642 violate federal law because I made an application, but credit was not issued. Comenity Bank denied me credit.
Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 6802, Comenity Bank may not report my nonpublic personal information as this statement confirms my request to OPT OUT. This means, I am requesting all inquiries and any other information regarding my relationship with Comenity Bank be deleted permanently from all consumer reporting agency databases including but limited to XXXX, XXXX, XXXX and XXXX XXXX.
proof pursuant to 15 U.S. Code 1605 that a finance charge was involved because my social security number was used.
Fact, Affiant is aware and has proof pursuant to 15 U.S. Code 1602 that the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit ) is unauthorized use because I received no benefit.
Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681b that Comenity Bank fraudulently obtained my nonpublic personal information from XXXX because I did not provide either corporation with written instructions to furnish my consumer report to Comenity Bank. Also, I did not provide Comenity Bank with written instructions to retrieve my consumer credit report.
Fact, Affiant is aware and has proof pursuant to 15 USC 1611, Comenity Bank is criminally liable for violating 15 USC 1602 and 15 USC 1605 because I received no benefit. Also, a finance charge was involved in the consumer credit transaction I initiated on XX/XX/2021 but there was no mention of a check being mailed to me, the original creditor, for a finance charge in the adverse action letter I received.
Fact, affiant is aware and has proof pursuant to 15 USC 1691, Comenity Bank, can not deny me the credit I requested. XXXX XXXX XXXX, XXXX. has discriminated against me for exercising my right to credit.
Fact, affiant has identified your Georgia registered agent. If Comenity Bank fails to comply with federal law and meet my demands, affiant will seek legal action in a court of law.
03/11/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit repair services
Unexpected or other fees
AL
36330
Web
XXXX I went to have some XXXX work done at XXXX XXXX here in XXXX al. and I am insured with XXXX XXXX XXXX and I am on a dual complete plan and this company has a contract my other insurance company. and when I became a member of XXXX XXXX XXXX in XX/XX/XXXX everything was all good. and when I had started using my XXXX benefits I had a {$2500.00} XXXX dollar XXXX coverage with XXXX XXXX XXXX and I had transportation with XXXX XXXX XXXX at that time I had 20 one way trips there and back in which that was not enough trips .because I needed to see the doctor more than 20 times. but when my XXXX plan kicked in. I went to XXXX XXXX in XXXX and I am thinking that I am thinking in my mind that I am fixing to have my whole mouth fixed and I already had one of my teeth missing at the top .he pulled the one up under that tooth that was missing at the top and charged XXXX XXXX XXXX XXXX department {$100.00}. and some change for messing up my mouth. and then I started to develop XXXX in each side of my mouth and it was very painful. I summited a complaint with XXXX XXXX XXXX and they told me that they take my concerns seriously. but I just can't tell that they do. now when I had XXXX work done at XXXX XXXX here in XXXX al. I did not know or I was not informed that the XXXX that removed all of my teeth was not in the network with XXXX XXXX XXXX. but when I had asked XXXX XXXX were in the network with XXXX XXXX XXXX. the lady told me that they were. and XXXX XXXX maxed out my XXXX insurance {$2500.00} and XXXX XXXX tried to have me financed through in which I told them that I wanted to stick with my XXXX insurance company which is XXXX XXXX XXXX. I should have been informed about they were going to have me financed through a bank I never heard of and never dealt with in my life. now by me being mislead about the XXXX services and everything and did not inform me that the dentist that did the work was not in net work with XXXX XXXX XXXX. a bank sent me a letter on the date XX/XX/XXXX XXXX from XXXX oh XXXX due to XXXX XXXX. XXXX XXXX thank you for your recent application for ( n ) XXXX first financing credit account. XXXX XXXX XXXX issues all XXXX first credit accounts. and we handle any account- related matters. because of the information in your credit report we are unable to approve your application at this time. here are some reasons for declining your request : delinquent past or present credit obligations with others limited credit experience number of recent inquires on credit report unable to verify credit history. and I spoke with a lady of this bank and gave her my social and she could not find any account in my name. now I was told by my insurance did not pay XXXX XXXX for the services but this document that is dated on XX/XX/XXXX there is my name member id number and the insurance company which I deal with is XXXX XXXX XXXX the provider was XXXX XXXX XXXX authorization # XXXX the determine date is XX/XX/XXXX expiration date is XX/XX/XXXX I was told that the services that was render to me my insurance XXXX XXXX XXXX did not pay but this document that I have states other wise. the services was approved and XXXX XXXX was paid and after XXXX XXXX maxed out my XXXX coverage of {$2500.00} if my insurance did not pay this why do I have to pay for services that my insurance is supposed to pay and why am I being billed for the services that is supposed to be wrote off and XXXX XXXX told my insurance company that I did not owe anything but I am stilled being billed from XXXX XXXX. the questions is if XXXX XXXX XXXX XXXX department did not pay XXXX XXXX where did the insurance money go and if XXXX XXXX XXXX did pay XXXX XXXX I needed for them at XXXX XXXX to be honest with me instead of misleading me into believing that everything is well taking care of and it really is no.
06/18/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
WI
53051
Web
On or about XX/XX/XXXX I logged into my Commenity Bank issued, XXXX XXXX branded credit card to pay my bill. I do not know when my bill posts but know that the due date is the XXXX of every month. I logged in and attempted to pay my statement balance in full, just as I've done every month since acquiring this card. By happenstance I actually wanted to see the statement as I had an issue with one of the merchants I used the card with. I was surprised to see that I was charged finance charges. I quickly called the company and inquired why I was charged interest on purchases as I'd paid the balance in full the previous month. The representative from the company " checked my account '' She verified that I indeed had paid my statement balance in full every month and didn't know why I would be charged interest. I confirmed with her that in fact that is how this credit card worked ( I have other cards and they all work the same ). She was able to somehow have the interest waived and I went about my merry way. I recently logged in to pay my account and noticed even more interest expense. This infuriated me. I called them today and again was greeted by a representative who stated " yeah I see you paid your balance in full you shouldn't be charged interest and I see you called on the XXXX and we waived the interest. I will set up a dispute of this finance charge '' I said that sounds great but I'd like to talk to a supervisor so that I do not have to do this every month. After waiting what seemed like forever I got a supervisor on the phone who stated that they changed their policies for calculating interest. The statement balance is no longer the balance that must be paid in full to maintain your grace period but instead it is the " entire balance '' owed on the due date. She made a claim that they sent a disclosure to me stating as such. I didn't believe this to be true and I certainly didn't believe that it was a separate disclosure. Later, when I asked for a copy of that disclosure the representative was able to find out that it was included on page 7 of a statement that they mailed me. Well the disclosure certainly didn't in " plain english '' explain that they were changing how credit cards work. Eventually, as a still unsatisfied customer I got to another person that was able to give me a partial statement credit for the interest.
I am not satisfied. I believe they have not met the requirement to disclose in plain english the terms of the change and the impact on consumers. There are no other credit cards I have ever used that use this language or this methodology. It is so obvious on its face that when you call their representatives the first thing they do is look at your payment history and say that must be a mistake!!!! I believe they are harming consumers that are unaware that this. Furthermore, I don't believe they met the criteria that material changes be disclosed in a separate mailing. I find this behavior abhorrent and would request that you pursue the matter to its fullest extent. You can pull the tapes from my phone calls today XX/XX/XXXX as well as XX/XX/XXXX and here multiple representatives state that I should not have to pay interest because I paid the statement balance in full before the due date. Even the final " senior manager '' said the same and then he backtracked.
I am attaching my XXXX and XXXX statements. The XXXX statement has the change in language that they claim allows them to do what they are doing. It can be found on page 5 under grace period language.
The XXXX statement shows that they do not change any of the first page terms like " balance '' " payments '' " new balance '' They present it all the same while stealing money from each of their customers.
Please make this a class action case I would happily be the lead plantiff.
02/27/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
NY
11102
Web
This is first regarding Victoria Secret comenity bank credit card. I went thru hardship and loss of jon since XX/XX/XXXX and even those months I have paid what I could on my card. Then in XXXX I got my job back and called them to pay and they put me into a {$50.00} payment and I even paid {$250.00} plus {$50.00} extra in XXXX, {$150.00} extra plus {$65.00} plus {$50.00} this month yet they still reported me late for XXXX and XXXX. I have called them, mailed proof to them, mailed proof to the credit bureaus but comenity bank refuses to help me. I spoke to different managers even yesterday XX/XX/XXXX yet everyone just states what they are told to say and dont understand my situation. I really need the incorrect reporting on my credit report to be removed. This is not right, its soooo easy to put me on but why are they refusing to take it off. I also called and mailed letter to XXXX XXXX XXXX XXXX. I do not know what else to do, their reporting is wrong and it is messing up my credit score a lot!
Also, second, XXXX XXXX XXXX they are reporting me late wrong for XXXX XXXX, XXXX even thou I paid. I have also called them numerous times and they know about their error but they keep saying they will correct and they have not. See payment proof attached for them also. Please help me remove the late payments.
Last one is XXXX XXXX XXXX I have had soo much hardship since XX/XX/XXXX due to loss of job and in XXXX I called them and they put me on a {$10.00} fee per month and told me that account will stay open, yet they closed the account and that has lowered, messed up my score by 36 points. I have been paying the {$10.00} every month and on top I paid extra {$100.00} on XX/XX/XXXX. What they have done to me is ridiculous and not fair. I specifically asked the person that put me on the {$10.00} program if this will affect my score negative and they told me no. This si unfair what they did to me, and on top they closed my account and mind you total we are talking about if {$210.00}. I could have paid the amount, yet they told me to take the {$10.00} program as this way my account will stay open. Please, I contacted them, I called them, mailed proof to them, credit bureaus and nothing has changed, same issue and they messed up my score soo much even today it went down XXXX points because of them! Please I need help, I dont know what else to do.
I have had hardship because of this loss of job but I still paid amounts that I could every month for each one of these 3 cards. The moment I got my job back I called each one and asked them what to do to correct the accounts. I did what I was told. On top i paid even more, but they are being unfair. They refuse to remove late items, and actually the ones that I want removed are for the months I paid. I have sent each one of them numerous letters and placed numerous complaints with 3 credit bureaus! I dont know what else to do, I am desperate. These 3 cards messed up my score sooo much, and we are in the process of buying a home, I used to be in the XXXX now I am in XXXX. I work hard on everything on my score but because of them every month my score goes down. This is incorrect and I ask you please for your help! I just need them to be fair. I went thru hardship due to loss of job due to covid 19 and had a baby in XXXX. I am trying my best. I am on time. So have them give me some help please! I begged them for help. Nothing has changed.
Please investigate this and please have them remove late reportings that are inaccurate. I have proof of all payments! I am attaching for your review and please help me. They should not do this to their customers. I have been a cardholder of comenity bank since XXXX, NEVER had an issues, never was late for them to do this to me and treat me this way! Please help me.
10/02/2018
Yes
Credit card or prepaid card
Store credit card
Credit monitoring or identity theft protection services
Billing dispute for services
AR
72117
Web
Servicemember
I am requesting that my credit line be restored.
Last year on XXXX I started my repair credit journey Also that is when I started to get XXXX bank cards as I heard so many good things about the company. They give people a chance with a low score. This was true as my score according to XXXX and XXXX was XXXX and XXXX. My XXXX report is totally wrong and I never use what they report as they have been hack. Its been a continually battle to get them to report correctly. There are a lot of errors on XXXX report that Im currently working to get corrected.
I use my XXXX XXXX bank card XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX.
So of the cards I have had a perfect payment history. While others I did miss a payment or two. But I would correct the issue and setup automatic payments so I wouldnt forget to pay in a timely manner.
I actually receive a letter for credit line increase for XXXX XXXX. As I was using my card properly. Then a couple days later my credit line was dramatically lower.
By lowering and closing my cards this is dropping my credit score. Why would a company that built to be helpful be so hurtful.
Debt to income ratio is changing greatly as there wasnt just one card but several that has been affected. So in action you wanted my score to be higher but everything this company does lowers not improve my scores.
I can prove by XXXX and XXXX each time you lower my credit limit my score dropped 5-10 points. My credit was fair and going up to good. But this dramatic repeat reproach to closing and lower limits is having a negative impact on my score.
I have some cards like XXXX and XXXX that were closed due to inactivity and high risk. I normally do not use my cards for certain stores til XXXX XXXX the busiest shopping time frame.
I must explain my score did decrease. I had fraud on all 3 major credit bureau and XXXX XXXX. I have taken the recommend steps by attorney to seek justice and repaid my credit. I have credit freeze on my credit report. I filed report for identity theft. My Information had been sold on the dark web.
My income does allow me to pay my balance or amount due in a timely manner. Due to life issues for a brief time my I lost track of paying my bills. I have corrected that by setting up automatic payments.
I have 3 deaths in the family back to back. See attachments from grandfather, cousin and a XXXX. These things happen in XXXX XXXX XXXX.. My employment is still in tack and I revelry in XX/XX/XXXX receive a promotion with a pay increase. This will help me to pay bills without being a risk.
I ask that all late payments be remove. I am asking for reconsideration based off the information provided. I have listed the fraud on my credit report and someone using my ssn. There was no fraud on any of my XXXX cards. Also the deaths on my family and temporarily marriage issues with causes for brief separation.
When a child is doing poorly in classes due to XXXX for losing her great grandfather. My husband her dad leaving home I dont reward that by shopping.
XXXX is card that I was planing to use for her to buy XXXX gift and her birthday gift in XXXX.
XXXX account does show good payment history. I set up an automatic payment recently to finish paying to account off. So there would be XXXX XXXX balance and today my limit was decreased from {$250.00} to {$100.00}.
I had good payment history. I dont see that as being right I pay and u lower my limit.
I would great appreciate any help in restore credit limit. As I like being with this company .i have higher a credit repair company XXXX XXXX to handle my credit. You will see and increase in my scores again. From last year XXXX til now my score did go from XXXX to XXXX being the highest score which was XXXX to XX/XX/XXXX.
03/22/2017
Yes
Bank account or service
Other bank product/service
Using a debit or ATM card
IL
60102
Web
We are told by the banks issuing credit cards that we are protected in case of fraud by a vendor. We have a card issued by Comenity Bank called XXXX XXXX XXXX card.We ordered samples of two XXXX called XXXX AND XXXX XXXX XXXX from a company called XXXX XXXX and XXXX XXXX. As we learned from friends that they may be harmful and that these businesses are dubious, we immediately informed these companies ( which is one and the same ) that we would not like to receive anything from them, and that our order, if any, should be treated as cancelled. We were told that they do not have any order in our name in the first place and in any case we could consider it cancelled. We were charged fraudulently {$85.00} + {$85.00} in XXXX and again {$85.00} + {$85.00} in XXXX. We called these companies again. We had not received anything from them after the samples. When we called these companies in XXXX, we were told that there is no order in our name and that they do not know who made the charges. They asked us to contact our bank. We immediately contacted the bank and lodged a complaint. Within 2 days of that we received XXXX envelope from these companies containing XXXX bottles ( XXXX of XXXX XXXX and the other of XXXX ) We immediately went to the post office and returned the envelope after writing REFUSED ( as advised by the post office ) The bank wrote us back that they they have determined from these companies that we had ordered the items and that we did n't return the medications and as such, no refund could be given to us. We filed a request to reopen the investigation and restated our case. The response from the bank dated XXXX/XXXX/XXXX was that the vendor is saying that we have been billed properly and that they can not do anything about it. They are lying through their teeth as they are a fraudulent operation. We contacted the bank again on XXXX/XXXX/XXXX. They asked for additional information. We wrote a detailed account explaining in detail everything in the first week of XXXX. We also attached a copy of the envelope which was returned with " REFUSED '' written on it. We got a reply today. The reply to a letter sent in first week of XXXX is dated XXXX/XXXX/XXXX. They sent the same old letter without bothering to even change the date again. They again asked us to contact XXXX at XXXX XXXX XXXX and XXXX at XXXX XXXX XXXX. We called XXXX at XXXX XXXX XXXX and spoke to a lady named XXXX. She searched and searched, and again said there is no order in our name. She confirmed that they do sell XXXX. We called XXXX at XXXX XXXX XXXX. This number is not in service. XXXX told us to call XXXX for XXXX XXXX. We did. A person named XXXX answered the phone. He again after searching that there is no sign of any order from us. He further said they do not know what XXXX XXXX is. They said the only order they had from our zip code XXXX is from a lady named XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. This order they advised was also cancelled and refund of their money made in XXXX XXXX. We do not know how Comenity Bank rep is able to talk to someone on those two above given telephone numbers when one of them is not in service and the second one confirms to us repeatedly that there is no order from us. The bank sending us a letter dated XXXX/XXXX/XXXX in response to our letter of first week of XXXX is hilarious. A single telephone call to XXXX XXXX & XXXX XXXX will prove beyond a shadow of doubt that they are fraudulent operations. It appears that Comenity Bank is no better either. Are we not protected in such situations by the bank issuing credit cards? They do say we are while issuing the cards, but not back up their customers when they are defrauded. We request your intervention as we feel cheated both by the vendor and the bank. XXXX XXXX
05/15/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
FL
33024
Web
I went to Victoria 's secret last year in XXXX of XXXX to purchase a small gift for a teenager. I was encouraged to apply for a credit card with the offer of getting {$25.00} free. My purchase totaled {$30.00} something dollars and my balance put on the card was {$7.00}. I never received a bill. Months later when getting calls from the company and telling them I never received a bill, they told me my balance was now {$50.00} something dollars. They have in their records that I told them several times I did not receive a bill. Just to dismiss this thing and keep it off my credit, I paid the {$50.00} something dollars sometime last year ( XX/XX/XXXX ) but it did not go through on the credit card for some reason and I was called back and it was immediately corrected and paid the next day. Today Mr. XXXX from Comenity bank ( XX/XX/XXXX at XXXX ) verified with me that they have that payment on record. They also agreed they have this payment on record when I spoke to them months before. I was told I was paid in full and never heard again at the time. ( I paid {$50.00} dollars on a {$7.00} account. ) I got another call months later that I owed {$160.00} something dollars with late fees. I complained to them and asked to put a dispute in and they agreed. Nothing came of it. I got a call this year saying I owe about XXXX or so and they show no evidence of me filing a dispute in the past. I finally found someone who I thought was willing to take some time on this, XXXX at ( XXXX XXXX, her direct line at Comenity Bank ) and she referred the account to a supervisor who looked it over carefully, realizing something is wrong and he put in a dispute, per her. She told me to call back on Monday to make sure the dispute went through. When I finally reached her the next week, after she had been out several days, XXXX now said she could not help me and customer service had to help me and she transferred me. Just one of numerous transfers. I finally did get a letter and a call saying the account was in dispute this time and the owed money was cleared for the time being until it is resolved. There were no follow up letters to this. When I called to check today on this, XX/XX/XXXX, after several transfers and holds, I was told the dispute was dismissed on either XX/XX/XXXX, XX/XX/XXXX or today, the XXXX ( I got three different answers from three different agents ) which I never heard about. I was then told that the loan was just sold to a collection agency called XXXX XXXX and written off. Again no notice. Ironically, I got a letter in the mail from them received today, the same day as these calls, when I got home, dated XX/XX/XXXX, about how I'm sorry you are having financial difficulties and call us so we can help you, from Comenity Bank about this account ( supposedly after the fact it was dismissed or transferred with no notice to me. ) I called inquiring about this letter and why I did not receive notice of the dispute results and was told by a female agent " that's a good question '' and I was again transferred and put on hold for 30 minutes. Mr. XXXX answered and told me he can not help me with this account as it is no longer in the bank 's hands. He could not give me much information but verified that a payment was made on XX/XX/XXXX for {$50.00}. I asked what they had on record for a balance and he said they just sold it for {$290.00} final balance! This is from a {$7.00} purchase that was paid off at XXXX and now never acknowledged although on their records. A losing battle. Now my credit shows 120 days late as of recent on Victoria 's secret which is my main bad mark and I need the credit for a loan for a medical procedure. Please help. I can't see paying even more when it did not help the first time and is not owed. thank you.
08/23/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
PA
19020
Web
This is the letter we sent to XXXX with our payment. I am including, after this letter, another part of this complaint that happened in the last several days. XX/XX/XXXX TO WHO IT MAY CONCERN : WE ARE VERY UNHAPPY CUSTOMER. TODAY ( XX/XX/XXXX ) I WAS ABOUT TO PAY OUR XXXX XXXX BILL AND NOTICED WE HAD BEEN CHARGED AN INTEREST CHARGE OF {$8.00}. ON OUR BILL DUE XX/XX/XXXX, ( CLOSING DATE WASXX/XX/XXXX ) OUR PREVIOUS BILL ( DUEXX/XX/XXXX ) HAD BEEN PAID IN FULL TO THE DATE ON MY PREVIOUS STATEMENT, ( XX/XX/XXXX ) IN THE AMOUNT OF {$830.00}. ( EVEN THOUGH THIS AMOUNT INCLUDED A LATE FEE AND FINANCE/INTEREST CHARGE THAT HAD ULTIMATELY BEEN WAIVED BY XXXX XXXX. ( In a phone conversation on XX/XX/XXXX) THE EXPLANATION I RECEIVED FROM YOUR CUSTOMER SERVICE REPRESENTATIVE, XXXX AND SUBSEQUENTLY ALSO FROM XXXX WAS THAT ANY CHARGES FROM THE CLOSING DATE UNTIL MY PAYMENT IS RECEIVED ( by XXXX ) IS CHARGED INTEREST ON MY NEXT BILL EVEN THOUGH WE PAY OUR BILLS IN FULL EVERY MONTH. SO WE WERE CHARGED AN INTEREST FEE ON A BALANCE OF ' {$650.00} ', WHICH WE MORE THAN PAID IN FULL AND ON TIME. AND THAT EVERY FUTURE MONTH WE WOULD NEED TO CALL OR GO ON LINE TO SEE WHAT OTHER CHARGES WERE POSTED SO THAT WE WOULD PAY ALL AMOUNTS POSTED TO OUR ACCOUNT, ( after the bill closing date ) NOT JUST WHAT WAS ON OUR STATEMENT. THE WORDING I WAS DIRECTED TO ON OUR BILL DID NOT SEEM TO EXPLAIN WHAT I WAS TOLD BY YOUR REPRESENTATIVES AS STATED ABOVE. IT WOULD HAVE BEEN VERY FAR FETCHED FOR ME TO COME TO THE CONCULSION AS PRESENTED BY YOUR REPRESENTATIVES. WE ARE VERY CONSCIENTIOUS CONSUMERS AND PAY OUR CREDIT CARD BILLS ON TIME AND IN FULL TO AVOID INTEREST CHARGES AND LATE FEES. DUE TO YOUR UNSCRUPULOUS CHANGE IN POLICY AND RULES. WE WILL NOT USE THIS CREDIT CARD. WE WILL ALSO MAKE IT KNOWN TO ANYONE WHO MIGHT BE INTERESTED THAT XXXX XXXX AND CREDIT CARD COMPANY ARE NOT A VERY CUSTOMER FRIENDLY BUSINESS ETC. WE WILL ALSO CONTACT THE CONSUMER AGENCY NECESSARY TO REPORT THIS UNFAIR PRACTICE. WE HAVE ENCLOSED OUR FINAL PAYMENT OF {$330.00} WHICH COVERS OUR LAST PURCHASE OF {$61.00} ON XX/XX/XXXX. ( 8 DAYS AFTER OUR BILL CLOSING DATE ) WE WILL NOT PAY THE {$8.00} FINANCE/INTEREST CHARGE! Signed Today, XX/XX/XXXX I called XXXX to see if our payment was received and posted. After listening to the automated recording of my account information and realizing that my payment was still outstanding I spoke to a customer service representative.. I told her I sent the payment and letter to the address on the back of the bill that specifically directed this action. She said that there was a PO box at this address that is checked several times a day. The address used was NOT a PO Box . I asked to speak with a manager. The MANAGER could n't even find the info I referred to on the back of the bill statement and then said that this address was meant for " overnight ' delivery of payments ' that usually come from a bank or are sent by overnight mail '' There was not one thing in the statement read that referred to her statement. I have included the back of the billing statement and highlighted it for your perusal. Also highlighted the statement on the same page that states there 'policy ' for interest charges and fees. Which also does not state what they said. In addition I am including a page with the newly added notice of record changes. I can not for the life of me understand how they can put a statement on the back of the bill saying where to send a payment that says " paid in full ' '' etc. and not process this payment. ( I checked with our credit union to see if the check was presented and it was not ) Also these to representatives stated that " I should stop payment on my check '' ( which we would have to pay for! ) PS my CC # is on the attached statements.
02/06/2018
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
WA
98264
Web
XXXX XXXX issues XXXX XXXX XXXX credit card and many other store cards. Over the past year I have been repeatedly charged late fees even though the payment was made early. I often make multiple payments and always pay ahead.
From XX/XX/XXXX-XX/XX/XXXX I made several extra payments and paid ahead. In XX/XX/XXXX I was charged a late fee of {$27.00}! The same issue happened in XX/XX/XXXX. I used the secure message center from the payment web page and brought to their attention that my payments have never been late and in fact I had always paid more than the amount due and made two separate payments many months in a row. So in fact I was not only paid on time, but I was paying early.
They issued me a credit for the XX/XX/XXXX with a generic email reply calling it a " voucher ''. No explanation as to why their system defaults to a late fee even if the early second payment is made separate and after the current months due date is past. Logic would dictate that the amount would go to the next payment due!
In XX/XX/XXXX it happened again. I made a payment on the XX/XX/XXXX due date XX/XX/XXXX and another payment on XX/XX/XXXX. The {$55.00} payment made on XX/XX/XXXX was double {$27.00} due for XX/XX/XXXX but they did not credit it towards the amount due. Instead they billed me another huge {$27.00} late fee. In addition the bill due date then showed {$37.00} due XX/XX/XXXX ( it doesn't make sense if minimum is always {$27.00} and you didn't credit my {$55.00} to the XX/XX/XXXX payment then how is only {$37.00} due for the late XX/XX/XXXX payment you are recording AND the XX/XX/XXXX payment? ) I did not make that payment in XX/XX/XXXX when I got the email because as their history has proven to me, it would not be credited for XX/XX/XXXX if the payment posted in XX/XX/XXXX ... .and the cycle of late fees is still at play.
I sent a second secure message explaining the error and providing copies of the payments. I received another generic response ( see below ). They clearly did not look at the actual account and the real issue. I have tried several times on different days and different devices to reply or send a new message and the system says there is an error and the message cant be sent. This all seems like a scam built into the system that allows the XXXX XXXX to collect who knows how much in these false fees. This fraudulent practice is a profit maker for them and the very reason we have consumer protection laws. Imagine how much they are making when you look at the number of accounts they hold " Today more than 50 million cardmembers hold an account with one of our banks. '' Not to mention the crazy {$9.00} fee to make a phone payment that they mention in their email below.
" From : XXXX XXXXSent : Friday, XX/XX/XXXX XXXX XXXX ( ET ) To : YouSubject : Re : PaymentsMessage XXXX Thank you for your recent inquiry to our Customer Care Department .
XXXX XXXX issues your account and responds to all credit related inquiries.
We see a late fee credit of {$27.00} was applied to your account on XX/XX/XXXX. You are currently not eligible for another late fee waiver.
You are a valued XXXX XXXX XXXX customer and we want to help you prevent any future late fees on your account. There are many easy to use payment options available to you. You can make payments on your account through Account Center at no cost up to XXXX XXXX EST the day of your due date. In addition, you can call in and make a payment over the phone with a representative for a small expedited fee of {$9.00}.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX XXXX Customer Care Team ''
03/19/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
FL
32065
Web
I order a Flat Iron for a XXXX present that when arrived we noticed it didn't contain the product we ordered. I contacted XXXX Customer Service, which was XXXX XXXX and was told i would get a credit until investigation was done. I then received another letter saying investigation was done, and that I had received the package, thus also receiving the product. So, I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. It was listed below, sent Mid XX/XX/2017.
Hello, I ordered a Product, 2inch Flat-Iron and a Make-up Kit, online during a XXXX XXXX sale. If there was a certain $ amount purchased, then XXXX would give you a free gift of an Electronic Wine Opener as well. Well, when they packaged arrived, everything was there except the most Expensive product, which was the 2 Flat Iron.
I promptly called the Customer Service Number to explain that I never received this product, only to be told due to the weight of the package, it was sent. ( The weight of the package only shows Greater than 1lb ). The Free gift was heavier than 1lb, so this doesnt mean it was shipped. I think something may be going on in the XXXX warehouse, but again, thats just me guessing. However, I am 100 % positive, it wasnt in the box. They refused to do anything about it, simply telling me to notify by bank then. The purchase was made with a XXXX Credit-card, not my bank, I called them. They told me that I would need to dispute it in writing. The Investigation would take up to 30 days, then it changed to up to 60 days, later in call. I have been misinformed, mistreated, and avoided during this whole process. No one is willing to just fix the problem, which is to send me the Gift I ordered. So, I will be closing my account with XXXX immediately and any further online use with this company. I like the store, so Ill continue to visit the local store, but no more online purchases or Credit card use for me going forward. Ill return when you all act like a Professional business, clean up your trashy Customer Service Reps and fix your complete delivery process. However, this is my Official Dispute, notifying XXXX that I did not receive the product, 2 Flat Iron, only the Package containing the " Free '' Gift.
On XX/XX/XXXX, I received a notice that they were still charging me for the " Missing Package ''. Again, I've always said that I received the package, however it didn't contain the product i ordered. They have yet to provide me anything showing the product was in the package, other than the sales receipt that i also can print confirming the purchase of the product, not that it was in the package.
I again, followed up with a letter explaining this again, and begging them to look into why the product wasn't in the package, not that i didn't receive the package.
In XX/XX/XXXX, I get another Copy of the same XX/XX/XXXX letter that was sent out, only confirming that a package was signed for, not that it contained the {$140.00} Product I ordered. I even paid the remaining balance off the account and vowed never to use this company again due the way this was handled.
Regardless of the outcome of this dispute, they have a flaw in their delivery process that they either 1. Know about don't care, which is fraud or 2.They are so negligent to this fact and won't do anything to fix it, that it makes it too risky to order from them and expect what you ordered. Then have to pay or your Credit gets affected.
Please have them look into this issue closer and fix this mistake. Once they look into further, I think they will find a flaw in the process that would help consumers in the future also. It's too late for me, due to the time it's taken to fix this issue, when the first simple Customer Service call should have done. Thank you
01/14/2020
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
FL
34986
Web
Good morning! My complaint is with Zales Jeweler/Comenity Bank. I reference both because my credit card says Zales, my credit card statements reads as Zales and the number listed for customer care is answered as " Zales customer care ''. Apparently, a couple years ago, Zales partnered with Comenity Bank ( which I was unaware of as I have been A Zales credit card holder 8+ Years ). For the entire year that I have been trying to understand my account and dispute charges, I was not talking to Zales, it was Comenity bank. It was very misleading and very insulting as if I were stupid and without any help.
I purchased an engagement ring in XXXX of XXXX on an interest free promotional year plan. In XXXX of XXXX, I visited my local Zales Jeweler and asked about a return because I did not love the ring. The sales associate recommended their " upgrade promo '' to trade in my current ring for one of double value. I was hesitant because the cost was double, however, he reassured me that I would have another year to pay it off. This is where my nightmare began. Instead of doing the transaction as an upgrade/ trade in, he rang me up as a separate transaction with a separate year promotion. I was under the impression that my single account was extended for a promo until XXXX of XXXX. I did not know that he created a separate purchase with a promo until XXXX, the store manager, told me recently on XX/XX/XXXX. This entire time I have been paying more than 3x my minimal payment not understanding that I had two promotions recurring at the same time with only 3 months difference in expiration. After I finally discovered that my transaction was ran incorrectly, I contacted Zales Corporate office and filed another dispute. I did file a previous dispute before but I thought it was Zales that I filed it with and recently discovered it was actually Comenity Bank ( I did not know that because they answer the phone as Zales customer care ) and it went nowhere. They do not disclose that they are Comenity bank unless you ask. Last month, I received my year to date statement and was horrified to see that I have paid over {$1000.00} dollars in interest fees plus accumulating monthly finance charges every month. This is also with still owing another {$2000.00} on my balance. I owe more currently than the original purchase price. I called Comenity bank to find out how this is possible because I have never missed a payment, I have never made a late payment and have always paid at least double over my minimum payment. Comenity informed me that my money was applied to the minimum balance and any extra is applied to the highest balance, not the promotion expiring first. All this time I thought I was making payments to a single account and for the last year and a half they were controlling where my money was allocated for two promotions. Now that I know I have two accounts and how they distribute the money, I was set up for failure. There is no possible way I could have paid these off on time. I spoke to Senior management ( XXXX ) at Comenity Bank and she sympathized and completely understood my situation and the mistake on behalf of Zales. She opened a dispute ticket and said that if Zales agreed that it was a mistake, they would remove the interest charges and I could pay my balance off in full. I also asked if I could transfer my balance to another credit card to keep me from going further into debt and Comenity refused. I am trapped. I have been mislead and my statements do not show where my money is allocated. I have used interest free promotions before and Comenity Bank is the only one that applies money to the highest balance, not the promotion expiring first. I have not heard back from either company regarding my dispute.
09/07/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
IL
60451
Web
Older American
This Complaint is against Comenity Bank of XXXX, Ohio for not crediting our XXXX credit card account which card is owned by Comenity Bank with an electronic payment made in XX/XX/XXXX. They deny that the payment was made despite our submission of all data and documents to prove that we made the payment and was received by Comenity Bank. We have previously submitted all relevant information to prove our position to Comenity Bank but never received any official response except as noted below.
In XXXX, XXXX, we made various purchases from XXXX totaling {$610.00} which were billed to us on a monthly statement in XXXX, XXXX. The XXXX statement was paid on XX/XX/XXXX by electronic funds transfer from our local bank checking account consistent with the same method we had used to pay similar statements more more than the prior twelve ( 12 ) months without any problems.
When the XXXX, XXXX credit card statement arrived, we noticed that the XXXX payment had not been posted to the account and telephoned Comenity to have them correct their error. In response, they sent us a " form '' letter requesting documentation to support our claim rather than undertaking any review of their records.
We mailed them documents which showed that the funds were removed from our checking account on XX/XX/XXXX and electronic funds routing records showing that those funds were transferred to Commenity with proper instructions to credit our card account, including the proper credit card account numbers. No funds were ever returned to our checking account.
We were then told that perhaps we had erroneously inserted the credit card account numbers and to check our credit card statement against the electronic funds transfer instruction and requesting that we send them any documentation to support our claim. We did this, confirmed to them that the account numbers were identical and sent all of our documentation a second time ( incidently, our electronic payment instructions were preprogrammed into our bank 's system and had worked automatically without error monthly for more than a year ). This resulted in a letter to us dated XX/XX/XXXX stating that they would research the matter and stating that 90 days may be required to respond to us.
Subsequently, we received a refund check from Comenity for {$610.00} which we did not cash. It became void by the passage of time, and we returned it to them. This action was followed by a third letter dated XX/XX/XXXX, requesting 90 days to further review the matter. We heard nothing further from Comenity.
In early XXXX, we began receiving collection calls from Comenity saying that we were delinquent in credit card payments since XXXX, XXXX and demanding immediate payment of the original amount plus interest and late payment fees. We repeatedly told callers that we had a dispute pending and did not owe the money. The only response was that the caller would so note on our file.
Finally, about XX/XX/XXXX, a collection caller referred our call to a manager who said that our complaint had been reviewed, found to be without merit and the file closed. Hence, collection was now being pursued. If we had any continuing issue, we should should pursue our bank or the electronic funds transfer provider. She said that her screen did not provide any information about the dispute or the reasons Comenity made its decision.
None of this had been communicated to us by Comenity and no one had ever provided any statement of evidence to support their position or refute our data.
To us, it appears that Comenity never undertook any investigation of its internal electronic records or of the substantiation we provided. Nothing substantive was communicated to us. We received only the " form '' letter responses.
05/23/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
GA
30022
Web
I have a Loft Mastercard with Commenity Bank. They had a promotional offer of XXXX fee balance transfer, with 0 % interest until 2020. The only requirement is to do a required payment as per the credit card agreement. As per the agreement that payment should be : " The minimum payment for the Waive Interest, Payment Required and Defer Interest, Payment Required Credit Plans will be the greater of : ( a ) {$5.00} ; or ( b ) 1 % ( rounded up to the nearest {$1.00} ) of the New Balance shown on your Statement for that Credit Plan. '' So, in my XX/XX/XXXXStatement, the balance was : {$930.00}, but that balance includes a promotional balance transfer of {$400.00}. 1 % of this balance is {$4.00}, which rounded up to the nearest {$1.00} is : {$5.00}, so the required payment for the month for the balance transfer was : {$5.00} Subtracting the transfer, the revolving balance was : {$520.00}. And according to the agreement, I needed to pay : $ XXXX+ {$5.00}. I paid : {$530.00} in total. So I paid a bit more than what I needed to pay.
In my XXXX statement I see an Interest Charge of {$8.00}, which is the interest for a balance of : {$370.00} ( I don't know how they came with that amount since only the amount unpaid was the balance transfer, with 0 % interest ). I also see in that statement that they applied {$10.00} to my balance transfer, which is twice the amount they should have applied.
I contacted them using their message center and the representative explained that as per my agreement 1 % of payment is required for a balance transfer, he also told me that I needed to pay the revolving balance + 1 % of the transfer. I told him that's what I did, and asked him what happened and why did they charged more, but he couldn't explain why they applied {$10.00} instead of {$5.00} to the transfer. In their last message they told me to call them.
I called them and the first representative struggled a lot trying to calculate 1 %, she even mentioned that {$10.00} is 1 % of {$400.00}, then she told me that my agreement said I needed to pay 2 %, But I had my agreement in front of me and it doesn't say that. Also, I told her that {$10.00} is not 2 % of {$400.00}. She kept struggling a lot with the calculations, so she decided to transfer the call to her Manager.
I spoke with the Manager and she was very very rude and condescending. I explained everything and she said that they included in my statement that the minimum payment required for the balance transfer is {$10.00} and I told her is not there ( I had it printed ), but then she changed her mind and said that it is in my agreement. Since I had it printed, I told her that was not true and told her about the 1 %. Then she told me that she could allocate {$5.00} out of the {$10.00} paid to the transfer to my revolving balance. So I told her that if she does that, then they should not charge interest at all and they should credit the {$8.00} back to my account. Because I paid as per the agreement and I have a balance transfer with zero fees and zero interest. She said she can't do that ( they do, because this is not the first mistake they do and in the past they credit back to my account the interest charged ). So, I'm afraid because they will keep applying whatever amount they want to the transfer instead of the amount included in the agreement and also, they will keep charging me interests. I have written in the email with the customer service rep and my agreement that I need to pay {$5.00} or 1 %, but they won't honor that and will do whatever they please. I'm very concerned, because I have an excellent credit report an excellent payment history and I don't want them to ruin it. So I need your help.
PS : when you check my agreement, go to page 6.
Thanks!
07/24/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
FL
33068
Web
I am a consumer, a natural person pursuant to 15 USC 1692a ( 3 ). Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. Everything that is on my credit report should be 100 % complete and accurate. I have sent multiple letters to XXXX XXXX XXXX demanding " Documentary Evidence '' pursuant to 15 U.S. Code 44 which includes all documents, papers, correspondence, books of account, and financial and corporate records showing material fact or evidence regarding account in question that is being furnished on all 3 of my credit reports claiming that I owe an alleged debt. Pursuant to ( FDCPA ) Fair Debt Collections Practice Act, XXXX XXXX XXXX, have failed to provide : ( 1 ) Ownership of alleged debt owed.
( 2 ) Please furnish a copy of the original promissory note redacting my social security number to prevent identify theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
( 3 ) Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.
( 4 ) Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
( 5 ) Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.
( 6 ) Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
( 7 ) Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are nontransferable.
( 8 ) Please provide verification from the stated creditor that you are authorized to act for them.
XXXX XXXX XXXX, have violated my consumer rights to privacy with false, deceptive, or misleading representation, identity theft and fraud. Below are a few violations by XXXX XXXX XXXX.
Pursuant to 15 U.S. Code 1692b ( 5 ) .Acquisition of location information.
Pursuant to 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection.
Pursuant to 15 U.S. Code 1692d ( 5 ) - Harassment or abuse.
Pursuant to 15 U.S. Code 1692e ( 10 ) .False or misleading representations.
As a result of the harassment by XXXX XXXX XXXX, I have been damaged Financially, Socially and Emotionally and demanding monetary relief for violations of my consumer rights when given opportunities to fix this issue.
I am demanding ALL accounts in question be removed from ALL 3 of my consumer reports.
01/11/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CT
06002
Web
Complaint regarding Comenity Childrens Place credit card fees Childrens Place Credit Card Account # XXXX XXXX XXXX XXXX The above noted Childrens Place credit card account was closed on XX/XX/XXXX. The account was closed after I paid an unreasonable late fee of {$31.00}. Since the Childrens Place credit card was opened, I have paid all charges in full, as soon as possible. I do not carry over any balance and avoid late fees. Unfortunately, after I enrolled in paperless billing, I was charged late fees on two occasions. The first occasion was several months ago, which I disputed via telephone and was advised that all late fees were irreversible, which I seriously doubt. However, I received a credit to the account which I believe was in the amount of {$15.00}. I rarely used the Childrens Place credit card, and at times it was only to utilize the reward bucks. At the time of the previous late fee, I explained that I had tried multiple times to pay the credit card in full online, however, the online account would not accept a payment including several days after items were charged. When I tried to make payments in a timely manner the account would not allow me to. I requested an electronic notification when payments are due, since the account was paperless ; however, I was told that option was not available. In approximately XX/XX/XXXX, I purchased online items totaling {$35.00}. I made several attempts to pay the {$35.00} in full online over several days, however, the Comenity system kept declining to accept a payment indicating there was no balance. When I thought about it again the date was either XX/XX/XXXX or XXXX, and when I tried to make a payment the system would not accept a payment until XX/XX/XXXX. I had not charged anything since that time ; however, when I recently viewed the account I noticed a late fee in the amount of {$31.00}. I attempted to contact customer service, however, was not able to speak with a representative to dispute the charge. I never received any contacts or notices on the account, not even email notifications. I have not used the credit card, yet there was a {$31.00} late fee which I had no way of knowing about. I tried to pay the account in full today, XX/XX/XXXX, and dispute it later ; however, the system declined to accept the payment so it will not be processed until XX/XX/XXXX, undoubtedly charging me another late fee.
The problem is that Comenity Childrens Place will not accept online payments for up to 1 2 weeks after charges are made, and they do not allow customers to setup electronic automatic payment reminders, do noy email customers regarding payment due dates or missed dates, and this is strictly a paperless account which Comenity encourages customers to utilize. It is my sincere belief that this is intentional in order for the company to continue to charge customers late fees. I elected to close the account today. I refuse to support any company that is deliberately ripping me off. I submitted a written request to Comenity today, for a full refund of the {$31.00} and no additional late or other fees. We are in a worldwide pandemic and Comenity to charging late fees to nickel and dime its customers, it feels like the scam that it is. What about all of the customers who are not able to complain or pay their bills. This is shameful.
I am requesting assistance with recovering the late fees I was charged, prevent any additional fees and require Comenity Childrens Place to notify paperless customers of payments and the due dates in advance. I closed my account today, however, other customers should be protected from this type of experience. Any assistance you can provide would be greatly appreciated.
07/21/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
11355
Web
Older American
On XX/XX/XXXX, I instructed Comenity Bank to close my " XXXX XXXX XXXX '' account. ( This action was taken due to shenanigans with their rewards program. ) I had paid the full balance shown on the account that same day. I received a letter from Comenity Bank dated XX/XX/XXXX stating : " Thank you for contacting Comenity Bank. As the bank that issues your XXXX XXXX XXXX credit card account, we 're here to help with your questions. As you requested, WE HAVE CLOSED YOUR XXXX XXXX XXXX CREDIT CARD ACCOUNT. We received your FINAL PAYMENT of {$290.00} on XX/XX/XXXX and YOUR ACCOUNT BALANCE IS NOW XXXX. We have reported this information to the national credit reporting agencies and your credit file should be updated within the next forty-five ( 45 ) days. Although you requested your account closed, we hope that you will continue to shop with XXXX XXXX XXXX. We value you as a customer and if you would like to apply for a new XXXX XXXX XXXX credit card account in the future, please go to the store or visit the XXXX XXXX XXXX website. '' [ emphasis added ] More than two months later, beginning in the second week of XX/XX/XXXX, I started receiving multiple phone calls daily from an unknown number. After about a week, they finally left a recorded message saying they were calling about my XXXX XXXX XXXX account. When I called them back on XX/XX/XXXX, they claimed that I owed {$25.00} and change on the account. I told them about the letter I have and that the account was supposed to be closed as of XX/XX/XXXX. They then said that a late fee had been added to the account because I had made my full balance payment a day late. This seems to be true, and I would have paid the late fee if I had known about it. I told them I do n't think they 're allowed to add charges to an account after they notify the customer of its closure, and asked why they had n't informed me of the late fee. The only answer I could get was that the {$20.00} late fee had been added to the account at the " end of the billing cycle '' and that I was being charged {$5.00} and change in " interest '' on that balance. I asked them how there could be a billing cycle on a closed account but was again given no explanation. To make matters worse, this person on the phone ( I do n't recall his name ; he only gave a first name ) stated several times that I owed {$25.00} and change. Later in the day, it occurred to me to check the account online. There it states that I owe them {$72.00}! Apparently they had continued to add late fees and interest charges for two more months while I understood the account to be closed. This means that even if I had paid the {$25.00} and change the telephone rep had stated as the full balance on the account, there would have been a remaining balance and they would have continued to add interest and late fees to this account that was n't supposed to exist anymore. I left a message in the " secure message center '' on the bank 's website on XX/XX/XXXX. They were supposed to reply to that message within 48 hours but it has now been over 72 hours and there is no reply. I am making this complaint because, while I am willing to pay that first late fee, I do n't think this bank should have the right to add fees and interest charges to an account after notifying the customer in writing that the account has a XXXX balance and has been closed. I 'm sure you are aware that Comenity Bank is behind a great many supposedly " private label '' retail credit accounts. So it is n't just the {$72.00} they are trying to take from me. I ca n't help wondering how many people they do this to every month and how many millions of dollars they are taking that they are not entitled to.
02/14/2017
Yes
Money transfers
Domestic (US) money transfer
Other transaction issues
TX
78628
Web
XXXX sells computer monitoring and cell phone monitoring software, but the information that their website claims to provide was not available. I purchased this software to be able to retrieve deleted text messages and call log history on XX/XX/XXXX for {$100.00} using XXXX. Once I obtained access to the website, I was unable to access the call log history as advertised by the supplier. I was told I had to pay an additional {$29.00} to access that information. I paid the {$29.00} on XX/XX/XXXX using my XXXX card and was still unable to access the call log history. I requested a refund from XXXX on XX/XX/XXXX and my claim was denied. I then filed a dispute with XXXX for the original purchase price of {$100.00} and XXXX has denied my claim because XXXX is unable to enforce the supplier to provide a service. I paid for an annual subscription charge and I have been unable to access my account since I filed the compliant with XXXX. Supplier suspended my account and will only turn on my access if I pay a reactivation fee.
I requested assistance on two separate occasions to provide me the call log history. Each time, I was told the information would be manually pushed to me and the data was NEVER made available to me. I have access with a different supplier and can see the call log history that has over 1100 call log history information available.
On XX/XX/XXXX, I was told by supplier customer service agent XXXX, because I requested a refund through the link made available to me to their website to request a refund and by filing the claim through XXXX, my account was suspended by their billing team due to the charge their company paid to XXXX for the service of the claim I filed.
I have not had access to this account since XX/XX/XXXX after purchasing the software on XX/XX/XXXX. I do not think it is fair to charge me for a service the supplier can not provide and for a product that I no longer have access to. It is totally ridiculous I would have to pay a reactivation fee to turn on a service I did not request to have deactivated. XXXX made a decision to suspend my account because I filed a claim with XXXX. How can XXXX suspend my account and refuse to refund me my money for an annual subscription I paid for and used for 3 weeks?
I would like to kindly request a full refund for {$100.00} since I only had access to the website for 3 weeks for an annual subscription. If the supplier wishes to charge me for the 3 weeks I had access to the software and refund me for the 53 weeks that I will not be able to access the account, that is fine, but I refuse to pay for the full price for a product I no longer have access to and for a service the supplier is unable to provide. XXXX should view this as a product that was returned because I no longer have access to the software. I am not asking XXXX to have the supplier provide me a service because the supplier has taken away the product so that I can no longer use it. I did not ask to have the service suspended. Since the supplier made a business decision to suspend my account since I filed a claim with XXXX, the company should refund me my money. The supplier had their billing department suspend my account because of the claim I filed with XXXX.
XXXX denied my claim because XXXX considered my subscription to be a service and since I had access to the 12 month subscription for less than 1 month, XXXX denied my claim. According to XXXX, " The subscription business model is a business model where a customer must pay a subscription price to have access to the product/service. '' I compare this to a product that has been returned that I no longer have access to because the supplier deactivated my account.
11/15/2019
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
LA
70820
Web
I am filing another complaint because this company lied saying that this was in litigation but that is false. They are still attempting to collect on this debt. They only said that to have this complaint closed out. See XXXX-XXXX.The attached documents prove that they acknowledge receipt of the information that I provided.
Comenity Bank for the following accounts : XXXX XXXX - {$1300.00} - allegedly opened XX/XX/XXXX - charged off XXXX XXXX - {$720.00} - allegedly opened XX/XX/XXXX - charged off ( duplicate items on credit report ) XXXX XXXX XXXX XXXX - {$1000.00} - allegedly opened XX/XX/XXXX - charged off Victoria 's Secret - {$350.00} - allegedly opened XX/XX/XXXX - paid off This company has adamantly refused to delete a fraudulent charged off credit card account from my credit history. I have submitted all necessary documentation to this company to prove that I never opened this account on several occasions but they claim every time they are holding me accountable. They have absolutely no proof that I opened this account, no proof that I made any payments on it, and no proof that I made charges to the credit card. There is no signature on the alleged contract and they failed to verify the identity of the individual who applied for this account. They confirmed on a recorded line that they never verify the identity of anyone who applies for credit cards online. They do not have a single law they can use to support this account remaining on my credit history. They have ignored numerous letters that I have sent them in the process of verifying this debt and they are unapologetic about the level of inconvenience that they have caused me. They are committing extortion by reporting this account on my credit history in an effort to coerce me into paying them money that I do not owe. They are defaming my character on my credit history by falsely reporting this account and it has caused irreparable damage to my integrity. I have been denied for credit, car insurance, jobs, and places to live because of this company. They have been completely uncooperative in having this matter resolved in a timely manner and the supervisors are negligent in managing their staff. Without a signed contract, they can not hold me accountable for anything. They have shared my personal information with 3rd party companies in this process, which increases the risk for more identity theft. I have never authorized them to run my credit report or obtain my personal information. They have never obtained a copy of my ID until sent it to them in the mail demanding that they delete this account. This company is making clear efforts to harass me and they have put my livelihood and reputation in danger due to their willful noncompliance, willful negligence, willful violations, and creditor misconduct. Louisiana RS 1122 under Credit Agreements to be in Writing says a debtor shall not maintain an action on a credit agreement unless the agreement is in writing, expresses consideration, sets forth the relevant terms and conditions, and is signed by the creditor and the debtor. I have sent this company an Affidavit of Identity Theft, a copy of my ID, a copy of my social security card, as well as a notice of a fraud to verify that I have never authorized this account to be opened. When I called to check the status on this, they either say we are still holding you accountable or we have not received those documents. This company is abusing the dispute process in efforts to harass me and they have no regard for the problems that I have incurred as a result of their willful violations. Please instruct this company to delete this debt off of my credit report immediately.
05/02/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MO
63301
Web
I submitted a dispute to XXXX on or about XXXX / XXXX / XXXX , regarding an item I received from a merchant ( wig ) for my New Years Eve event. I contacted the Seller thru via email regarding the item was over r 2 week-3 weeks late and when it arrived it was the wrong ( wig ) color. After sending several emails and filing ( XXXX ) complaints on the Seller 's website. I submitted copies of these documents to the XXXX resolution center. For about 60 days I did not receive any notifications regarding the investigation of my case in my email or notice any new information regarding the status of my case at the XXXX resolution site, where you can read information regarding the progress of your case. Seeing nothing has been updated on the XXXX resolution site. I decided to call. XXXX XXXX , XXXX , The gentleman I spoke too told me from the Resolutions Department stated '', if the merchant does n't respond in the next XXXX hours we will close the case and refund your {$160.00}. '' In early XXXX XXXX , I saw that XXXX refunded my {$160.00} and {$100.00}. Both these orders were from XXXX . The problem was getting an address to return the item. The other item for {$100.00} was never received. ( case XXXX ) However, to my knowledge, my case was closed and my money refunded in accordance to XXXX rules. On XXXX XXXX , XXXX , I checked my account and discovered my refund was rescinded without proper notification. After speaking with ( 2 ) representatives about this matter ... They said the decided to reopen the case, sent me an email with the Merchant 's address and that I had 30 days to return it. I explained to XXXX reps. I was not notified that my case was re-opened in a timely manner, there was no updates on the XXXX resolution sites where you can monitor your cases. Furthermore, my case was closed in 60 days because the Merchant fail to respond. Then you re-open my case, take my money and then tell me it is close and my appeals were declined. I stated the merchant fail to respond within 60 days and the case was settled in my favor. I asked for the name of the rep. her name is XXXX , would not give last name but ID XXXX . She stated it is XXXX policy not to give their full name. I also asked her ( what happened to my documents I submitted to them? ) Because she said it was described as an Item not received ... I said if you or the investigator read the documents you would have known it was n't just a non received item, it was an item that was late and that it was the wrong item. My complaint is XXXX closes cases in 60 days it is final. Two times they have went into my credit account rescinding their decisions and taking my money out of my credit card account without informing me via email or on their resolution site of these actions against my credit card account.Paypal, refunded {$100.00} of my purchase after 60 days, when the seller failed to send the item. Then one day, about the XXXX day I received the item by surprise and XXXX went into my account and took {$100.00} after my case was closed. XXXX resolution department do not handle complaints in a timely manner. The do not communicate with you during the investigations by email, phone or on the Resolution site. You are actually kept out of the loop. They closed both my cases in 60 days. Then without notifying of any changes such as their decisions to reopen was not noted to me. If a decision/procedure is finalized, paypal had know business jumping in and out of my credit account ... also this was done without proper notification. which cause me inconvenience of not knowing what my balance is one day to the next.
09/06/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
CA
92037
Web
Complaint/Consumer Information XXXX XXXX XXXX VIA XXXX XXXX XXXX, CA XXXX XXXXXXXXXXXX XXXX XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : This is a brief overview history of my account. I have had this account open with this bank for almost 9 years and with the exception of this incident I have never made any late payments. During the period of XX/XX/XXXXto XX/XX/XXXXI was receiving XXXX treatment specifically XXXX in another state. On XX/XX/XXXX I called y customer service to inform them that my credit card payment may be late due to my hospitalization. I also informed customer service that I had made a full payment for the total amount of {$50.00} and it usually took my bank 2 business days for the amount to process. After being transferred around from one representative to another I was told that I had to get authorization from a supervisor. I was put on hold for approximately 30 mins and hung up upon. I called again and the same sequence of events transpired. I was primarily directed to representatives who could barely speak XXXX which made for very difficult customer service. After about 2 hours of back and forth I was transferred to a supervisor who told me that they would notate my account and they would make a onetime exception regarding the late fee. Unfortunately unbeknownst to me ( as I was outside the state due to hospitalization ) and despite my efforts I was charged a late payment fee of {$25.00} fon XX/XX/XXXXXXXX as my full payment of {$50.00} was not received until XX/XX/XXXX. Keep in mind that at this juncture I am still unaware that I owed {$25.00} for a late fee which I thought was resolved by customer service on XX/XX/XXXXXXXX. On XXXXXX/XX/XXXX I received another late charge of {$25.00} for the late charge of {$25.00} incurred on my account on XX/XX/XXXX in addition to an unknown minimum charge for {$1.00}. On XXXX/XXXX/XXXX I incurred another charge of {$30.00} for the late charge on XX/XX/XXXX and the late charge on XX/XX/XXXX. So essentially I was charged by this bank a total amount of {$82.00} in late fees /minimum and finance charges for a payment a onetime 3 day LATE payment {$50.00} XXXX which was due on XX/XX/XXXX and received on XX/XX/XXXX -3 days late ). {$25.00} on XX/XX/XXXX {$25.00} onXXXX {$1.00} Minimum charge {$30.00} late charge on XXXXXX/XX/XXXX {$1.00} Finance Charge on XXXXXX/XX/XXXXXXXX. {$82.00} in Total fees charges Upon my arrival stateside and when I became aware of the situation I called customer service who reduced the {$82.00} total by {$30.00}, wherein the remaining balance of {$52.00} was paid on XXXXXX/XX/XXXXXXXX. To add insult to injury after pulling up my credit report I noticed that your company reported my payment onXX/XX/XXXXas late to the three reporting credit bureaus. I have never in my entire life had a late payment on my credit report with the exception of the one reported by this bank. inferred by your bank which stated that I was late on XX/XX/XXXX which is now on my credit report. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. I have contacted the company and received an answer stating that they will not remove the reports from the credit bureaus and in addition they were reporting " other incidents ''. I am not sure what the " other incidents were because the letter was unspecific. I have contacted all three credit reporting companies and filed a dispute against Comenity bank however Comenity bank is refusing to adjust my credit report.
02/20/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CO
80135
Web
Back on XX/XX/XXXX I set up payments to come out on the exact day on the due date with XXXX ( XXXX XXXX ). For awhile this was going fine. After the last payment was set to pull from my checking account I called the company a few days later to close the account and pay the remaining balance of XXXX. The date I called them to pay this balance and close the account was XX/XX/XXXX. I have reviewed complaints that have been submitted to the XXXX. There are numerous complaints of the company charging fees to cardholders after they have paid off the balance and requested the account to be closed. The evening of XX/XX/XXXX I logged into the online account website and saw that I was charged a finance charge. When I called this morning XX/XX/XXXX around XXXX Mountain time to dispute this finance charge due to the fact that I had made the payment of XXXX and told the supervisor I was speaking to to close the account I was told that the finance charge was waived by that supervisor yesterday. I requested a letter to be sent to me via email showing that the account has a zero balance and that it is closed. After awhile I did not see this email so I called the company back at XXXX XXXX XX/XX/XXXX. I was advised that it could take time to receive the email ( between 4 hours and 24-48 hours ) and at that time the call ended. When I checked my email later on I did see that I had a message in the secure message center on the online account website. I checked the message and it showed a balance of XXXX and the account being closed but that I could still receive fees due to this balance. At XXXX XXXX XX/XX/XXXX I called the company back and after explaining my issue yet again. On this call I was told that my last set payment came in late. I find it very funny how the payments are set up through them and the payment came late to them and suddenly that is my fault. It was explained to me when I was actually allowed to speak and voice my concerns that a supervisor waived that late fee. I asked yet again in confusion why I was being charged a late fee. According to the representative it was simply coded as a waived late fee. The finance charge was never waived though which went against what I was told just hours before. She said she was not allowed to remove this late fee as the system would not allow her. She said she was going to reach out to her supervisor via XXXX and ask that it be waived. From what she said this supervisor had stepped away from their desk so she attempted to reach another and put me on hold. A few minutes later she came back on the line and advised me that the second supervisor she reached out to removed this finance charge but it would take 24-48 hours to show and that they would be sending out a XXXX balance letter on a closed account via the secure message center today ahead of time as she had received permission from the supervisor that waived the finance charge to send this letter. If they have not received all of my payments they are obviously going to charge more fees. On my bank statement the initial payment of XXXX is just now processing and the XXXX is nowhere to be seen. If I receive anymore late fees or finance charges I will be taking this complaint up as high as I can and even reaching out to a lawyer if I have to. I should not have to go through all of this XXXX to simply close a credit card account that I do not want. This company seems to not care about the best interest of their customers and want to scam people out of a remotely decent credit score and hard earned money. I urge anyone that is looking into getting a credit card to steer very far away from this company.
05/15/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
NY
11201
Web
This is a reopening of previous complaint # XXXX submitted XX/XX/XXXX.
MY INITIAL COMPLAINT ( XX/XX/XXXX ) : My deferred interest payment plan with the XXXX XXXX credit card issued by XXXX XXXX expires on XX/XX/XXXX. I mailed out a check on XX/XX/XXXX to pay my remaining balance of {$550.00} on the account. On XX/XX/XXXX, a finance charge of {$320.00} was added to my account with no notice that my payment was not received. I did not discover this until XX/XX/XXXX when I logged into my account. I paid the {$550.00} balance immediately using ACH and reached out to Customer Service multiple times to inquire on why I was charged 58.4 % of interest ( {$320.00} on {$550.00} ) without any notification. The APR on the account is only 28.24 %.
COMPANY RESPONSE ( XX/XX/XXXX ) : Under the terms of this promotional plan, interest on a purchase is deferred until the plan expires. This means that interest on a purchase is accruing monthly from the original purchase date, but was not being applied to the account. In order to keep the accrued finance charges from being applied to the account, the entire promotional purchase amount needed to be paid in full by the promotional plans expiration date. The promotional purchase was not paid in full by the expiration date ; therefore, the accrued interest was applied to the account. The details of the promotional plan, as well as the expiration date, were present on each monthly billing statement. We respectfully decline to remove any finance charges, as we find the balance to be valid.
MY FOLLOW-UP RESPONSE ( XX/XX/XXXX ) : I would like to respectfully point out that this specific term of the promotional plan technically violates more than one provision of the XXXX Credit CARD Act.
According to Section 102 ( a ) of the Act, which states : " a creditor may not impose any finance charge on a credit card account under an open end consumer credit plan as a result of the loss of any time period provided by the creditor within which the obligor may repay any portion of the credit extended without incurring a finance charge, with respect to ( A ) any balances for days in billing cycles that precede the most recent billing cycle. '' This provision in the law prohibits any payment plan that impose a finance charge based on balances from prior billing cycles if the consumer does not repay the entire balance within the specified time period ( which would qualify as the loss of any time period within which the consumer may repay a balance without incurring a finance charge ).
Another provision that this payment plan violates is Section101 ( b ). The Section, which is codified at 15 U.S.C. 1666i-1, prohibits the retroactive application of an interest rate increase. Charging a retroactive interest on a balance that has already been paid off is effectively an increase in interest rate of the outstanding balance.
I also disagree that the details of this payment plan has been sufficiently explained in my monthly billing statement. According to my XX/XX/XXXX statement, my " balance subject to interest rate '' was {$740.00}, listed next to " APR 28.24 % ''. One would then reasonably assume the interest assessed ( had the outstanding balance not been paid in full ) would be $ XXXX*28.24 % *Number of Days Outstanding/365. Nowhere on the statement had it explicitly informed me that I will be hit with $ 300+ in retroactive interest charge based on the original balance of $ 1500+.
Based on the above reasons, I respectfully ask again that the finance charge be removed. Attached please see the aforementioned CARD ACT publication and my XX/XX/XXXX Billing Statement.
11/09/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
91911
Web
Servicemember
On XXXX XXXX 2020, I received my first bill from Wayfair/Comenity Bank. After the transition from a store card to a XXXX XXXX, I never received my physical credit card nor any billing and as of XXXX XXXX 2020, my Wayfair account had a XXXX balance. When I received my bill I did not understand how and why I owed money to Comenity and was being charged late fees and interest for an amount I did not believe I owed. I notified Comenity immediately upon my being put on notice of the charges that I did not believe were valid and not made by me. I requested that Comenity Bank place the charges in dispute - both on a recorded line and via secure messaging. I was told I needed to talk to Wayfair and discussed the issue with XXXX. He said that he saw there should be " at least '' {$42.00} credited back to me and said he would initiate a refund immediately. He sent an e-mail verifying this refund was credited back to me. When I called a couple days later, I was told that the suspected fraudulent charges were not placed in dispute. I again requested the amount be placed in dispute on a recorded line and via secure messaging. I was also told that no credit was issued from Wayfair - despite my explaining that I have an e-mail saying that this was done. Instead of providing the valid credit and investigating my claim, they did nothing. On XXXX XXXX 2020, Comenity Bank issued a letter - received by me on XXXX XX/XX/2020 - stating that they needed more information to investigate my claim. The dispute ID was XXXX. On XXXX XXXX 2020, Comenity Bank issued a letter stating that they received my claim and were researching it. They did not provide a dispute ID. They also stated that I was " not paying on any disputed amount, applicable finance charges or fees during the investigation. '' As of XXXX XXXX 2020, Comenity Bank has not issued a temporary credit for the fully disputed amount, they have not posted the credit from Wayfair in the amount of {$42.00} and they continued to charge me interest and late fees on an amount that is in dispute which is directly in violation of their own user agreement. It is ironic that instead of posting the credit of {$42.00} which is not in dispute that was owed to me, they are charging me fees of {$42.00}. Something here is just wrong with how Comenity Bank operates and how they interpret federal law. I plead CFPB to look into this not only for me but for the many other customers who may have been cheated during the change from a store card to a XXXX XXXX. I understand that mistakes can easily be made and Wayfair itself was professional enough to admit that they owed me " at least '' {$42.00} and they said that amount was credited. However, Comenity has done something with that money, and also I still can not determine how anything was owed to Comenity after XXXX XXXX 2020. I am also at a loss to determine how Comenity Bank is able to continue to accrue late fees and interest on those late fees for an amount that is currently in dispute. The form letter that I received states " we value you as a customer '' and it is signed by their XXXX XXXX team. I wish they would read their own letters and actually value a customer. Instead of helping get to the bottom of things as I begged them to do many times, they are charging me fees and interest on those fees. Once Wayfair and Comenity Bank can show me in the transition what is owed - subtracting out the fees and interest and the {$42.00} I am prepared to pay as I always have in my nearly 30 years of having credit cards. I have never had so many problems in such a short amount of time with any other financial institution.
01/09/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
FL
33131
Web
On XXXX XXXX, 2017, I called XXXX customer service to inquire about a purchasing a new sofa and desk. I asked about how the promotional deferred interest offer would apply to my order was advised that the store credit card company, would apply the promotion based on the amount of the order.
Immediately to confirm this information, I contacted XXXX XXXX credit card the Bank whom is XXXX XXXX to inquiry if I qualified for this promotion should I make the decision to purchase these items, was asked the amount of the order which was roughly over {$2000.00} they said, yes, that qualifies within the parameters. So, I did just that, when arrived home after work I completed my order # XXXX in the amount of {$2100.00}. Ever since that date, I have called XXXX XXXX daily to inquiry why the deferred interest was not applied, no one including three supervisors can explain to me what happened.
I have directed them to the terms and conditions listed at https : XXXX Read : 3. Earning Points or Deferred Financing. You will earn Points for Net New Purchases less than {$1000.00} on your Account OR if the purchase is equal to or greater than {$1000.00}, you can choose between earning Points or the Deferred Financing option so long as your Account is in Good Standing. You will earn : One ( 1 ) Point for each {$1.00} of Net New Purchases on transactions less than {$1000.00} and One ( 1 ) Point for each {$1.00} of Net New Purchases on transactions equal to or greater than {$1000.00}, if the Reward Dollars option is chosen. If the Deferred Financing option is chosen for Net New Purchases equal to or greater than {$1000.00}, you will not earn any Reward Dollars, however you will receive : 12 Months Deferred Financing - No interest if paid in full in 12 months. Interest will be charged to your account ( at the standard APR ) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments for this plan during the promotional period will be the greater of : the amount of {$5.00} or 1 % of your account balance ( rounded to the nearest dollar ). XXXX XXXX Credit Card Accounts are offered by XXXX XXXX which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than {$25.00}. Minimum Interest Charge is either {$1.00} or {$2.00}, depending on when you opened your account. The standard APR is either a variable APR of 25.24 %, based on the Prime Rate. Required minimum purchase of {$1000.00}. See your Agreement for details specific to your Account.
" Net New Purchases '' means purchases of goods and/or services made by you or any Authorized User on your Account minus any returns, refunds or credit adjustments, rounded to the nearest dollar. Points awarded for purchases that are returned or refunded or otherwise adjusted will be deducted from your Point total. Such deductions may result in a negative Points balance, in which case, any Points you earn will be applied to reduce that balance and you will not be able to redeem Points until you again have a positive balance.
After several follow-up calls, emails and letters sent to them nothing has been resolved. To make matters worst, based on the terms I was never given the option for points or deferred payment since I was told directly that they would apply.I find this unacceptable that a credit card bank would not comply with their own rules and expect the client to pay over {$58.00} in interest a month while they look into the dispute without a full resolution.
Could you please help!
Respectfully, XXXX XXXX
09/10/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
MD
20747
Web
Based on
my records and knowledge: Circumstance: XX/XX/XXXX - I
submitted a re-investigation through the Major Credit Bureau, XXXX COMENITYBANK/VICTORIA for the purposes of debt validation (to ensure accurate amount charged off, and to ensure that this is in fact my debt).
The high balance is showing: $XXXX & credit limit of: $XXXX
Issue: Considering the amount of time this debt has been on my report (over 6 years), I have no supporting documentation in my records to support the validity (proof) of the charged off amount of $XXXX And according to the Fair Debt Collection Practices Act, it's within my right as the consumer to "ask the collector to verify the debt."
Circumstance: Per XXXX - Re-investigation Results: This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Issue: No clarification of documentation provided from the 3 major Credit Bureaus or Comenity Bank/Victoria.
Circumstance: As time went on, this item continued on my credit report. I submitted another re-investigation via XXXX in XX/XX/XXXX to attempt once again to verify that correct amount of this debt.
XX/XX/XXXX Results of Re-Investigation from XX/XX/XXXX: Read "This item was updated from our processing of your dispute in XX/XX/XXXX."
Issue: I checked what "update" came from the dispute, and as I reviewed the "Balance History" via my XXXX Credit Report, I noticed that in the month of "XX/XX/XXXX" it has an amount of $XXXX noted as a payment, on this charged off amount. Based on my recollection, I have made no payment to Comenity Bank/Victoria during that month!
Please explain how this information is accurate? What type of "reporting" game are you playing?
On XX/XX/XXXX I called Comenity Bank/Victoria's on XXXX: I explained to "XXXX" that I wanted to resolve a charged-off account showing on my credit report.
"XXXX" was polite and helpful, and informed he would transfer me to the "Payment Solutions Center" I waited on hold, where 2 minutes later "XXXX" took my personal information and transferred me to another department where Mr. XXXX" took my call.
Issue: Here is where the main issue comes in. Mr. XXXX started again, retrieving personal information to verify MY identity" NOT the account. Mr. XXXX demeanor was short, rude abrasive and simply un-professional, when I asked him questions regarding the actual balance, interest and, simply the validity of the amount that is being reported!
I asked Mr. XXXX is there any way he could send me a copy of the charge-off account so I can verify the entire debt, and Mr. XXXX refused!! The conversation went into a verbal exchange between me and Mr. XXXX. Mr. XXXX stated; you know this is your debt, as to bait me into compliance to pay a charged-off account that I called to resolve!
Simply put, if you are going to be in business for a company to negotiate with people and money, I would recommend you replace Mr. XXXX with someone who can actually achieve results, when consumers FINALLY call to settle matters that have to DEAL with THEIR MONEY! I DON'T CARE WHAT IS OWED OR HOW LONG IT HAS BEEN, A little more TACT on Mr. XXXX's part WOULD HAVE went A LONG WAY!
This charge off in the amount of $XXXX is scheduled to stay on my until "XX/XX/XXXX" as it appears to me Comenity/BANK is attempting to find little ways to "continue" this charge-off reporting on my credit much longer than 7 years!
To resolve this matter that is long overdue on my part! And in contrast, at this point would be of benefit to this LARGE BANK to resolve this matter in a professional/business manner to have one less "charged-off" account to deal with!
07/09/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
NC
28075
Web
Older American
I was two days past the XX/XX/XXXX due date paying a XX/XX/XXXX {$49.00} single order purchase on a XXXX of Florida credit card issued by XXXX " XXXX ''. Several reasons, further explanations not necessary. When the XX/XX/XXXX statement arrived I was astonished to find that XXXX wanted to charge me a {$25.00} late fee, plus {$1.00} interest. I immediately phoned XXXX at the number listed on the credit card and got ... .. XXXX.
I explained to the CSR ( I do not have her name ) why my ACH payment had been two days past due, and asked her to remove the late charges. She gratuitously offered to reduce the charges to {$10.00} and added that they " ... don't do that ... '' [ remove late charges ]. ( I'm late paying perhaps once every five years, and with my superior credit history, I don't recall any issuer ever denying my request. ) I asked for her supervisor, and after a lengthy conversation, she agreed to remove all excess charges. [ Her name is on the XXXX statement, which I can not currently locate. I do have in hand statements from XXXX and XXXX ... keep reading, they play a part in this farce, too. ] We're into late XXXX at this point when the XXXX statement arrives. Based on the XXXX statement, the XXXX statement reported a balance due of {$36.00}!! Further review of the XXXX statement shows that those fools had indeed, credited my account with {$25.00}, which is what I'd asked for back in XXXX during those two phone calls mentioned earlier.
But those thugs at XXXX weren't through screwing around : the XXXX statement shows two more fees ( {$11.00} and {$16.00} XXXX, for a new total balance of {$38.00}!! Now I was really angry, so on XX/XX/XXXX, I tried to communicate with XXXX via their 'XXXX XXXX XXXX '. Unfortunately, their XXXX software ran out of space or time, but I was able to add a statement to that effect, closing with the CSR Supervisor 's agreement to remove the {$25.00} late fee assessed in XXXX, and declaring that I owed XXXX. I NEVER RECEIVED A REPLY, NOR A CONFIRMATION. I decided to let XXXX sort it all out.
Which they did, in their own inimitable fashion, with the XX/XX/XXXX statement : they added another {$21.00} fee, raising the balance to {$59.00}!! And, they reduced my credit limit from {$1800.00} to {$150.00}!!
I WILL MAKE .pdf COPIES OF THE STATEMENTS IF YOU NEED THEM ; HAVEN'T DONE SO YET.
On XX/XX/XXXX or XXXX, XXXX, I was routed from 'XXXX ' in XXXX , to 'XXXX ' in XXXX XXXX , and on to XXXX, Ohio, where I listened over the phone as 'XXXX ' deleted all of the erroneous, disputed charges ; my print-out shows that it took 21 keystrokes. But, unfortunately, XXXX had already reported a delinquency to the CRAs, I believe on XX/XX/XXXX.
I'm going to upload some files .... some are .doc, some are .pdf ( shows my handwritten notes ). But I can supply others ; perhaps snail-mail is a better alternative ( that's what I did for XXXX ). I leave it to CFPB to sort them out, for now. The .pdf files ARE in chronological order! The .doc are random.
One more thing : XXXX made ten one-ring robo-calls to my landline between XX/XX/XXXX and XX/XX/XXXX, and two to my cell phone on XX/XX/XXXX, leaving no message every time. I plan on reporting this criminal activity to the FCC in the near future ; let 's see ... .. nn $ $ per occurence ... ..!
And NOW, you will understand my comments in the " resolution '' section.
Please don't let XXXX continually fail to deny their omissions, and insist that they correct this mess. If I take it to Court, it will be a slam-dunk .... and then the monetary penalties will surely (? ) catch XXXX XXXX attention.
02/21/2019
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
NJ
07002
Web
Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Good Evening, While I don't plan on using this card as stated in my last communication with you, I've noticed that my Limit has gone down and this affects my overall credit score negatively. I am aware that some companies like XXXX XXXX like to " Chase the Balance '' which is what I wonder is happening here and for what reason as I am paying monthly. I have no issue paying this balance off on Thursday and closing the account, however I'd like to know why my limit was lowered as the card has been in good standing with XXXX, regardless of my current score, I've been paying this card as I've agreed. This is a poor way to do business and hope there was an error, I would hate to have to do business with lender that has poor business practices in place.
-- -- -- -- -- -- -- -- -- -- -- -- Response Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Thank you for your recent inquiry to our Customer Care Department.
XXXX XXXX XXXX issues your account and responds to all credit related inquiries.
I apologize for any inconvenience or confusion you may have recently experienced with your account. On XX/XX/2019, your credit limit was reduced to a total of {$300.00} based on information provided to our Bank by the credit reporting agencies. A letter was mailed to you on XX/XX/2019 to notify you of this change. If you have any questions regarding the information in your credit bureau report, please contact the credit bureau directly with the information provided on the letter.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX XXXX Customer Care Team -- -- -- -- -- -- -- -- -- -- -- -- Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I never received a letter, regardless this is not a decision made by credit reporting agencies it is a decision by XXXX. This is a terrible business practice and I don't appreciate receiving a " template '' response, this just shows further how little your company cares about it's customers, one that is paying! My account is paid as agreed monthly and in good standing! Unlike others who may have " high risk '' and defaulted or can't afford to pay their debt. I would like my credit line to be reinstated as I have done anything wrong and pay my bill! Show me that I'm wrong about your company. Again, I don't plan on using this card but this does affect the very score that you and many creditors use to measure financial worthiness.
-- -- -- -- -- -- -- -- -- -- -- -- Response Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Thank you for your recent inquiry to our Customer Care Department.
XXXX XXXX XXXX issues your account and responds to all credit related inquiries.
We apologize for any inconvenience or confusion you may have recently experienced with your account. On XX/XX/2019, your credit limit was reduced to a total of {$300.00} based on information provided to our Bank by the credit reporting agencies. A letter was mailed to you on XX/XX/2019 to notify you of this change. If you have any questions regarding the information in your credit bureau report, please contact the credit bureau directly with the information provided on the letter.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team
12/06/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Overcharged for something you did purchase with the card
OH
43146
Web
On XX/XX/XXXX I ordered a leather home theater recliner, utilizing my XXXX XXXX, XXXX credit card to take advantage of 12 month interest free financing for my {$830.00} purchase. I received an order number of XXXX with a ship date of XX/XX/XXXX. While checking the status of my order a few days later on XXXX 's website, I saw that the item was updated to " backordered '' until XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX representative, XXXX who emapthetically listened to my overrall dissaticfaction and eventullly agreed to cancel my original order ( the backorder ) and submitted a replacement order for a similar item, honoring the same price of {$830.00}, 12 months interest free financing, and an expedited delivery. I was reasonably satisfied with the resolution.
XX/XX/XXXX, I opened an email from XXXX referencing some sort of billing issue for the replacement order. I promptly called and was routed to the same representative, XXXX with whom I'd previously spoken. XXXX stated that their " system '' had refunded my XXXX credit card the equivalent of my purchase without having first debited my XXXX credit card for the purchase and they were unable to delete the refund. Not understanding how their internal system issues were any of my concern, I suspected XXXX was more or less calling to alert me that my account statement might be messed up until they figured out their billing faux paus. However, my assumption was wrong. XXXX asked me if I could use a different credit card to pay for the replacement order. What???? This suggestion wasn't just a poor business request, it made zero sense!! I prompty declined her request, reiterating my original order was placed using my XXXX credit card, utilizing the 12 months interest free financing. I don't recall XXXX 's exact words, but she said something along the lines of, she figured that woud be the case. She then asked to put me on hold while she spoke with her supervisor. After waiting in silence for several minutes, XXXX notified me it would just be a little longer. Rather than continuing to wait on hold while XXXX decided how to fix their problems, I simply advised XXXX that whatever they needed to do to rectify the issue, she could call or email me with the resolution, to which she agreed. Later the same afternoon, I checked my email and discovered I had received two, {$400.00} e-gift cards from XXXX. So awesome! I then accessed my XXXX online account and was able to see that my credit line had decreased by the amount of {$830.00}, my seating purchase. I was pleased to find that XXXX had appropriately billed my account and even more pleased they sent me e-gift cards, which I promptly redeemed for additional XXXX merchandise. I was wow'ed by their customer service, having recognized the frustration of my situation and that of a valued customer.
Shortly thereafter, I received a puzzling email from XXXX indicating that the e-gift cards were in some way intended to pay for my original order ; the same order that I'd already verified as deducted from my credit line. I'm unsure if all of this confusion is coming from XXXX improperly handling the cancelled order and subsequent replacement order, or from XXXX 's inability to properly handle the complexity of their internal systems. Either way, I'm unsure why I, as the consumer, am now being advised that the e-gift cards sent to me by XXXX, which I reeemed for additonal merchandise, was intended to pay for my orignal order?! This is absurd!!! Attached are screen shots of my XXXX online account details, affirming my account of events, as well as multiple XXXX emails.
01/29/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
GA
30126
Web
Hello. I'd like to report some major inconsistencies in the way Comenity Bank dba " XXXX XXXX XXXX '' opened and currently manages a line of credit I have with them. Their actions are negatively impacting my credit records and the merchant is unwilling to find a resolution. I would need your assistance to make them accountable for their mistakes, correct the information they reported to credit bureaus and find a permanent solution regarding my account. Please see below for details / timeline : - XX/XX/2019 : a company called XXXX XXXX that offers XXXX services for children proposed COMENITY CAPITAL / XXXX XXXX XXXX as an option to finance their XXXX sessions. During a phone conversation, they mentioned I qualified for a {$5500.00} loan ( or credit ) at a 0.00 % APR for 24 months. I gave them a verbal confirmation of interest and told them I would further review it once I got home that day.
FIRST RED FLAG : from that phone conversation alone, this account was somehow opened on my behalf. I never had an opportunity to review any term or condition associated with this loan/credit. Consequently, I NEVER SIGNED any documentation validating my commitment to this new account. Still, on XX/XX/XXXX I just received an email welcoming me to Comenity Capital ( document ). This email stated that I was supposed to receive some official approval documentation either via email from Comenity or at the XXXX XXXX XXXX. Such documents were never provided to me. In conclusion, right from the start, it can be argued that I never legally opened or committed to the terms of this account.
- XX/XX/2019 : Comenity Capital reported this new {$5500.00} loan on my credit report as a " credit card '' and not an installment or personal loan with revolving credit. The fact that this was reported as a " maxed out '' credit card with a 100 % utilization ratio immediately caused me to lose more than 40 points on my credit score.
Nonetheless, I ended up cancelling my daughter 's services at this XXXX XXXX XXXX about two weeks later after finding out numerous scam reports about this agency. XXXX XXXX agreed to refund most of the funds they had received from Comenity Capital on my behalf. This resulted in a credit of {$4700.00} being applied to my " fraudulent '' Comenity Capital account.
Since this account was being reported as a credit card on my credit with a monthly minimum payment of only {$35.00}, I was expecting that this large {$4700.00} payment being applied to my balance would reduce my remaining balance and thus drastically reduce the amounts of my future payments - just the way it works with other credit cards.
SECOND RED FLAG : although Comenity Capital received this large payment, they still requested minimum monthly payments of {$230.00} from me. Their justification for this was that this was considered an " installment loan '' and not a credit card. For more than two weeks, I tried to explain to them that this would have been fine if the account had been reported on my credit as an installment loan - which it was not. It was reported as a regular credit card with a minimum required payment of {$35.00}. The {$4700.00} credit they received on my behalf exceeded that amount by far. Nevertheless, they persistently refused to acknowledge this discrepancy between their mode of operation and the information they report to credit bureaus. Recently, they ended up reporting late payments on this account. I never had a single late payment on my credit profile and it has caused me to lose yet another 23 points.
Please see all attached documentation supporting the above.
12/03/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TX
77429
Web
Since late XXXX I have been disputing XXXX orders on my New York and Company department store credit card issued through Comenity bank.
I reached out to NY & C in XX/XX/XXXX a month after below items were returned to their facilities. Upon speaking with the NY & C rep he indicated the returns were not in their system. However, I used a preprinted label provided by NY & C and I received a system generated email from NY & C indicating the items were in transit and I could expect to see a refund in XXXX days. Well due to XXXX I gave additional time before calling NY & C back regarding the refund to my card. Upon calling XXXX was later the same issue existed wherein there was no record of the orders being returned. Please know, I ordered and returned an item since then and had no issues in receiving a refund. Tracking shows the package for the disputed items was received at their facilities. So the package was apparently lost after receipt to NY & C facilities.
At this point I reached out to Comenity to dispute the orders since it was obvious the package was lost by the merchant after receipt on their end.
Communicating with Comenity has been a nightmare. I logged into my account and disputed the orders approx. XXXX times per their procedure and each time they would indicate for me to call them to file a dispute or they would address other aspects of the message. It was indicated in a few Comenity messages that disputes must be submitted in writing, so I continued to attempt to file the dispute through their secure message center. After nearly XXXX days of dealing with various responses from Comenity when trying to submit my dispute in writing I broke down and called Comenity to file my dispute over the phone. Unfortunately Comenity does not issue case or reference numbers, but rather a letter ( via US Mail only ) acknowledging the dispute.
As of this complaint to CFPB I have only received a partial provisional credit for items purchased in XXXX and returned in XXXX, within their return window.
When attempting to get a status from Comenity Ive been told it takes XXXX days apparently before I can get any status update -how absurd in XXXX.
When checking my card statements I see that Comenity has done something i consider unethical, because they have retroactively updated previously issued card statements to make it look as if the provisional credits were issued back in XXXX and XXXX when Im fast they were not issued until XXXX.
Please can you help me resolve this issue as it has been XXXX dealing with this and I have cancelled all of my credit cards issued by Comenityat least XXXX. Ive been a NY & C/Comenity card holder for XXXX years and I have never experienced this when returning items, this is the last active Comenity issued card and Id like to close it ASAP but I can not until this disputed items issue has been resolved.
Disputed amount {$500.00} Disputed Transaction details : # XXXX {$300.00} PURCHASED on XX/XX/XXXX.
# XXXX {$86.00} PURCHASED on XX/XX/XXXX.
# XXXX {$110.00} PURCHASED on All items were returned in one box and each order was in a separate bag with order details enclosed for each returned order.
Over the past XXXX yrs Ive always returned multiple orders in XXXX boxes using their labels -which by the way cost me {$7.00} per return which is deducted from the order refund.
I can screen shot the secure message communications between Comenity and myself and I have the names of the person I spoke with at NY & C as well as the Comenity bank representative who submitted my disputes. I can send all info via email.
04/25/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Overcharged for something you did purchase with the card
OH
45103
Web
On XX/XX/ I used XXXX XXXX XXXX mobile app to place an order using a XXXX XXXX XXXX credit card. During the payment step, I kept receiving an error message asking me to try again. After 2-3 unsuccessful attempts I decided to use the browser instead of the app. Using the browser I was able to successfully place my order the first time. Shortly after I received 3 conformation emails for my order : XX/XX/ at XXXXXXXX XXXX order # XXXX {$160.00} XX/XX/ at XXXXXXXX XXXX order # XXXX {$160.00} XX/XX/ at XXXXXXXX XXXX order # XXXX {$160.00} Upon the discovery of the multiple orders I sent an email to XXXX on XX/XX/ at XXXX XXXX advising of their system error. In my email I advised I wanted to place only 1 order but received 3 conformation emails and requested to cancel all orders but one. I provided the above referenced order numbers and details about my online issues. I received an auto response with case number XXXX on XX/XX/ at XXXX XXXX. The response stated we are unable to change any details or cancel an order once it has been placed. I was advised to refuse unopened packages and a refund will be issued upon return ( within 2-3 billing cycles! ). What the company failed to notify me is that almost each item will be individually shipped. I waited about 2 weeks to receive all packages so I can piece them together without opening them. I received approximately 13 packages delivered by 2 companies XXXX and XXXX. After countless emails and phone calls I was able to reject the unopened packages for the 2 extra orders. I received credit for all but 2 packages ( unknown content ). 1 of the 2 packages I received on XX/XX/XXXX after I attempted to ship to the company but it got returned back to me from the delivery company. When I spoke to a XXXX XXXX supervisor on XX/XX/XXXX at XXXXXXXX XXXX she confirmed she can see the package I received and she can see another one received a XXXX XXXX store ( this accounts for the 2 missing packages ). She advised me to wait few days and then to mail the package I have. I mailed my package later and received credit for it. However, I never received credit for the package that was received by the store and confirmed by the manager that it was received by their store. After multiple calls again, XXXX XXXX reps were confused and kept insisting they never received the package. I believe due to their confusing return and shipping process the package was either not entered in error or an employee stole it. During the calls complaining about the missing package the company managers were not even able to see my shipments came from multiple stores and that I mailed my packages rather than bringing them at a store ( not sure how the other employee saw the information earlier ). I filed a dispute with XXXX credit card only for my claim to be rejected because I " already received credit ''. The issue is the 3 orders were processes as 10 separate charges all on the same day with no description or idea of which charge represents what ( items were randomly grouped and shipped from several stores and shipping centers ). When questioned XXXX XXXX reps I was told they can not see my credit card. When I questioned my XXXX XXXX credit card rep about the charges they can not see which one is for what. It has been 3 months since this order and I am yet to get it resolved. It is important to note, this is not the first time the company 's actions has harmed me as a customer but this time I think it is important to report it so others are not having to deal with these issues while the company sits back and unlawfully collects revenue.
05/07/2020
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
FL
33154
Web
Older American
During my stay in XXXX ( as indicated in my passport and the attached immigration form XXXX ) I was the subject of a fraudulent event on XX/XX/XXXX, when a thief opened a VISA XXXX card ( apparently in my name, since I never received any statement from XXXX ), and the subject made a purchase of around {$1400.00} USD with an address that does not belong to me. It is clear that the thief took advantage of COMENITY CAPITAL BANK and XXXX 's systems controls.
By simply doing an INSTANCHEK on the Web, this could have been easily avoided. Also, by cross checking my mail address with other providers, for example my internet services, cell phone or credit card to realize that Ive never lived at the address that the offender used for this fraud, not even close, nor have I ever had that address in my life. ( Bills attached ) I found out about the fraudulent act when, by chance, the XXXX XXXX app informed me about the closure of an account due to non-payment in XX/XX/XXXX of this year.
This VISA XXXX has never belonged to me. I Have always had an excellent credit history. So, in the midst of the pandemic, I called the bank and reported the fraud, and then did the same with all the credit bureaus and froze my credit.
When I called the bank, Ms. XXXX from fraud operations refused to give me any more information other than that the address linked to that XXXX account was not the one I was giving her, but a completely different one. She said it was something like on the XXXX or so, but refused to tell me the complete address.
( Later, upon reviewing my Experian record, I was able to see that fake address was that in XXXX XXXX XXXX XXXX, XXXX XXXX, FL. ) Ms. XXXX asked me for an address where to send the required information to evaluate my case, as I mentioned I did not permanently reside in the United States and my activity is traveling 70 % of my time between XXXX and XXXX XXXX as XXXX of my company. I proposed my daughters address ( who is attending her Master at UM in XXXX XXXX and is a US citizen with a permanent residency in Florida ).
For all of that, she would be able to receive and send any requests from the bank to any destination without any problems and therefore solve any issues.
That is why the address XXXX XXXX XXXX XXXX FL XXXX appears in my file since XX/XX/XXXX. See XXXX report when my current address is registered since XX/XX/XXXX in the same report.
I find the banks behavior very strange, modifying an address by phone without any physical verification, PHOTO ID via FAX, or electronically SCANNED via email.
To my surprise, contrary to sending me an information kit and procedure on how to report my dispute, I was informed by my daughter that she received two statements by the bank, requesting to pay the scam, What is even worse, they claim in the letter they sent me that they have already resolved that there is no evidence of fraud based on the information I have supposedly provided, when I actually had only given them my daughter 's address until now.
Since valuable information was not taken or obtained to resolve this case, Im providing the bank with each and every piece of evidence and records to collaborate with the investigation, assuming that there is no ill intent but task overload due to Covid-19.
After having complied with reporting to all Government Agencies such as FTC, CFPB, Police Department and CBB, and having verified on the Equifax website that I was a victim of IDT in the aforementioned data breach, I can only expect a quick and positive resolution by Comenity Capital Bank in order to close the case.
12/25/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
FL
32725
Web
I have applied for credit cards that are with Comenity Capital Bank, the same bank that I have a Victoria Secret credit card account with and feel discrimination with the invalid reasons to improve my credit score by the defaming reasonings, they are : 1 ) XXXX XXXX XXXX Mastercard Credit Card, as the statement is " your request was carefully considered, however, based on " information '' in your credit report, we are unable to approve your application, as to A ) too many inquiries that are/were a " hard pull '' to decrease my credit score, B ) Number of " subprime '' finance inquiries, as this is " deceptive business practices '' from within the Comenity Capital Bank that goes against the XX/XX/XXXX and the Federal Trade Commission, C ) the " proportion of loan balances to loan amounts too " high '', as this is/was unethical, illegal, and intended to depreciate the consumer, XXXX XXXX from the illegal tactic of using the 1 % loan balance as part of " income '' when in essence is a " school based loan '' and it report loans on credit reports is illegal when in " good standing '', and 4 ) too few bankcard accounts, as the consumer themselves has the " fair and balance '' right to justify how many credit cards the consumer needs, wants for business, or personal, such as to " increase '' or " assist '' in gaining a " good standing '' within the credit cards company, instead of being " shamed '' for not having the " financial portfolio '' designed within the rarity of consumers that care, such as myself, as reference number is XXXX from XX/XX/2020. The second letter from Comenity Capital Bank is aXX/XX/XXXXXXXX Credit Card, where I frequent as a consumer shopper for my moving merchandise, since I am moving within the next couple of months, the same statement, " based on information in your credit report, we are unable to approve your application at this time for the " new '' following reason ( s ) A ) Consumer associated with too many phone changes '', as I frequently update my credit report on a monthly basis, I have disputed every phone number that " does not apply '', or is " incorrect '', or has been illegally " long standing '' within the credit bureau ( s ) and of there " negligence '' to remove the information, data breaches that have happened within XX/XX/XXXXData Breach has " misinformed '' my credit report for several years as long as I have been working to " correct '' the issue to obtain " accurate '' personal information, " updated '' personal information. The other reason ( s ) are reported with the XXXX XXXX XXXX Mastercard Credit Card, as the reference number is XXXX. Furthermore, the third-party company, the " inaccurate '' company that needs to be reported to the Federal Trade Commission for " implied '' identity theft consumer issues, as well as " implied '' fraud consumer issues is " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, at XXXX, website address is XXXX. This company may be a " fictitious '' company that already " implies, infers '' deceptive business practices with Comenity Capital Bank whether allowed, or not allowed, or known, or not known to the company bank just is UNACCEPTABLE TO THE CONSUMER, XXXX XXXX .All dates of letters are XX/XX/2020, XX/XX/2020. This is a Fair Credit Reporting Act violation from the three credit reporting agencies to allow " XXXX XXXX XXXX have ANY CONSUMER CREDIT REPORT, this provides " unfair '' reporting business practices by a " third party agency '' that has not been heard of to the consumer to justify any validation of accuracy within the credit reporting bureaus.
07/22/2019
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
GA
30044
Web
Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX WORLD FINANCIAL NETWORK BANK XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
12/08/2021
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
NY
11211
Web
Older American
I applied for XXXX and XXXX Credit card on XX/XX/XXXX from a company called XXXX XXXX XXXX. I was approved for these credit cards but unbeknownst to me, I was charged for my procedure, that was scheduled for XX/XX/XXXX from XX/XX/XXXX. When I found out, I sent this message to XXXX : Good evening XXXX... on a previous conversation with you, I requested you to not use the XXXX credit card I got approved for, because they were billing me before I had the procedure, which you did. Now I am getting a call from XXXX stating I owe bill from XX/XX/XXXX to XXXX? IMPOSSIBLE! At that point I was only getting approved for the card. I spoke to a representative who informed you, the charge was put in as of XXXX. As I explained to the representative why would I pay for something that just occurred on XX/XX/XXXX. Now remember I told you to use my XXXXXXXX XXXX because they do not bill you until the procedure. Why would you submit to XXXX a bill for services in the day I only applied for the card? I should not have been charged for the services until the day of the procedure when I came into the office. I refuse to pay for something that was not done in XXXX and was only set for credit approval. Please straighten out this mess because now it appears this would be a blemish on my credit for being 30 days late. You NEVER told me I was going to be billed as of XXXX. Please straighten this out immediately. Thank you! My issue is I contacted this company, which I was approved for {$7800.00}. I made 2 payments of {$190.00} each and just received a bill stating I owe {$7600.00}. The reason is they charged me a late fee an {$280.00} interest fee because the company charged me from XX/XX/XXXX. I REFUSED TO PAY THIS. As I have constantly explained to the company, XXXX XXXX XXXX did not inform me they bill from the day I applied for the credit card. When I found out XXXX was billing before the procedure, I canceled the card and used XXXX XXXX because they bill once the services are rendered. However, XXXX did the same thing and had XXXX XXXX bill me right away so they can get their money. I spoke with XXXX XXXX and informed them, I had the procedure on XX/XX/XXXX and they did their investigation and removed their charged and did not start charging me until XX/XX/XXXX. Now why do I have to go through this mess with XXXX? I reached out to their Corporate office and no response. I spoke to several representatives, who said " oh XXXX got their money I will put in a dispute for you ''. I have disputed this twice with this company and they still take the word of XXXX stating they charge the day the card was approved. This is totally ridiculous! Now if I was informed XXXX was going to charge me like the XXXX card did, I WOULD HAVE CANCELED THIS CARD LIKE I DID THE XXXX CARD. This card has no right in billing me a interest charge because of a late payment when I only APPLIED FOR THIS CARD! I put a dispute in for the company XXXX XXXX XXXX as well with CFPB. This is not fair and those charges should be removed. I made 2 payments of {$190.00} apiece, which I was explained would be my monthly charge, but no mention of the whole {$7800.00} would be charged upon approval. You have to do something about both of these companies for unfair practices. Did I sign paperwork, Yes I did but when we went through the paperwork nothing was mentioned about the total amount is due upon approval. Then I was told 50 % had to be paid up front? 50 % of {$7800.00} is not {$7800.00}. I was not told this until I asked why were they charging me now. PLEASE HELP ME!
10/13/2017
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
KY
42071
Web
I was encouraged at XXXXXXXX XXXX check out to signup for a credit card and save 15 % on my purchase XX/XX/XXXX. I was told there would be no minimum fee included with this card. After not receiving my card or statement in the mail, I went to the store to determine my total and payoff the credit card XX/XX/XXXX. The teller calculated my total from an old receipt to {$13.00}. I paid this total in the store.
XX/XX/XXXX I then received a statement from Comenity Bank showing a {$55.00} balance on my XXXX XXXX Credit Card. This showed that a {$0.00} charge remained on my account XX/XX/XXXX and as such I was charged a late fee XX/XX/XXXX of {$26.00}, another late fee on XX/XX/XXXX of {$26.00}, and an additional {$2.00} minimum charge on XX/XX/XXXX.
I called the company XX/XX/XXXX and was opted through an automated system. I was given the option to close my credit card and speak with a representative. I closed this card immediately. Once I spoke with a representative, I explained that I had never received a credit card from the company, nor a past statement, and that I had been under the assumption my bill had been paid in full at the store. The representative told me that these fees could not be removed as I was closing my credit card with their company. I pressed the matter further and the Representative assured me that he would file a dispute. It would take up to 60 days. I discussed with him, my desire to pay this {$55.00} charge today, if this process would take over a month, so additional late fees would not be charged to my account during this time. I paid this amount in full XX/XX/XXXX and was told that in the event my dispute was approved, I could receive a refund.
As I was under the assumption my card had been closed, I was surprised to receive an email XX/XX/XXXX showing now a {$6.00} balance. I had been charged a minimum {$2.00} fee for the month of XXXX and again for the month of XXXX, as well as an additional {$2.00} late fee.
At this time, I had still not heard from Comenity Bank in regards to my dispute XX/XX/XXXX. I reached out to XXXX XXXX XX/XX/XXXX to discuss this issue further, as I felt their credit card provider was taking advantage of XXXX costumers. XXXX forwarded my response to their costumer service team XX/XX/XXXX. I have not heard a response from their customer service team at this time.
In conjunction to my attempt to notify XXXX, I reached out to Comenity Bank through their secure messaging center XX/XX/XXXX. As XXXX had stated the response time would be delayed to Tuesday, XX/XX/XXXX, due to a holiday weekend ; I went ahead and paid this additional total of {$6.00}. This was to avoid additional late penalties. I received a message XX/XX/XXXX from the Secure Messaging Center that my message had been forwarded to the Senior Support Team. On XX/XX/XXXX I received an additional response from the Customer Care Team that my message had been escalated and could take 30 days to research. In the meantime, I received a late fee backdated on XX/XX/XXXX of {$6.00} for my previously paid statement ( as my payment was two days past the deadline ), as well as an additional {$2.00} minimum fee.
I now owe a new {$8.00} balance for a credit card that has been " Closed '' since XX/XX/XXXX and have not received an appropriate response from either XXXX nor Comenity Bank. Over the past six months, I have paid a total of {$82.00} for what was originally a {$13.00} purchase at XXXX XXXX I want to make other XXXX customers aware of my situation so they will be skeptical of XXXX XXXX XXXX.
09/11/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
IL
60605
Web
The account I have offers interest free financing for a specific period of time. I also have another promotional offer in which I'm paying 10 % for a period of time on a purchase thus two plans currently. The interest free was for a period of 6 months from the date of purchase.
The purchase for the 6 month interest free promotion was done XX/XX/19 in the amount of {$700.00}. The first payment made was for {$280.00} on XX/XX/19. The statement reflected a min payment of {$150.00}. When I looked at the statement from XXXX regarding how the payment was applied only {$8.00} went towards the 6 month interest free promotion with the majority going towards the plan at 10 %.
I emailed the company XXXX/XXXX/19 asking for the minimum amount to be applied to the 10 % and the remainder to go towards the 6 month interest free ( I was trying to amortize the {$700.00} over 6 months so it would be completely paid off by then ). This was done XX/XX/19. It was advised that they apply payments to those with the highest balances and only put money towards the promotional plans that expire within the next 2 months. I know the game they are playing hoping people default on the interest free plan so they can back charge interest. While that is legal and fine, that was not my intent when making the payment.
I then responded again asking for the payment to be reapplied so that the minimum would go towards the 10 % rate and the reminder of the payment be applied towards the promotional 6 month interest free plan. I was sent the same copy and past from the prior email which didn't resolve the issue.
I proceeded to then call. At this point I had made two payments and neither had been applied the way I had requested. I was told by that rep they would fix the payments and would be taken care of. I stated I wanted all future payments to be applied this same way.
I get the next statement and its showing only one payment was adjusted and now I've had 3 applied within only 1 ever getting applied the way I asked for it.
I then call the company again. I was told I needed to talk to a supervisor given how long this was going on for. The supervisor was the least helpful person I've ever talked to. I was told that " it clearly states on page 3 of the statement if you want payments applied a specific way how to request. '' This information is no where to be found. The only thing it states is how to avoid interest and to call. I was then told by the supervisor that because it had been more than one billing statement I'd have to write a letter to explain what I wanted done.
I had already requested this in writing via email back on XX/XX/19 asking for this. I was told I'd have to write a letter and my statement clearly explains where to send it on page 3. This information is no where to be found on page 3. The only thing it says is on page 2 stating if you think there is an error on the statement.
I explained that I had also called and only one was adjusted. The supervisor said I would have had to put in writing for the prior payment. Again the rep I spoke to at that time never told me that. Also the supervisor refused to do anything because " she didn't want to get it wrong ''.
The supervisor also stated that if I want payments applied a certain way I have to call in each month to get it adjusted correctly and that " several customer have to do this ''. Again, this is no where explained on the statement nor when you make the purchase explained you have to do this or how payments are applied to the promotional items.
07/30/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Card opened as result of identity theft or fraud
NC
28270
Web
XXXX XXXX XXXX Sales representative fraudulently opened a credit account with Comenity Community Bank without my knowledge and consent by using my SSN provided to him for some other purpose. I came to know about this account around a month later on XX/XX/20 and I immediately called Comenity Community Bank notifying this fraud and asking them to NOT to pay anything to XXXX.
I did NOT use any of the services sold by XXXX as part of this sales, and hence do not want to pay for this fraudulent account opened by them.
We were called for a two-hour long presentation during our vacation in XXXX XXXX. After two and half hours of presentations and property walk through, the sales person asked for SSN so that he can give us pricing for various time share options. I declined to provide my SSN, and he brought his sales manger with him. The manager promises that they just want to see the credit score because price has a very large variation based on credit score. Upon repeated requests I provided my SSN. They provided us pricing of various price share options. My wife and I declined to buy any of those options. They gave us a decline form, which we both signed. They told us to wait so that they can give us our promised {$250.00} gift card. Please note we were already in fourth hours by this time, whereas the promised time was two hours.
After ten minutes of we signing the decline form, another sales person comes and takes our family to a desk away from other people. As soon as we sit there, Sales person tears apart our signed decline form into pieces without our consent. For next ten minutes he speaks about my country XXXX mentioning he loves XXXX movies, he has many XXXX friends and many other things. By that time we are already in fourth hour, whereas the promised time was only two hours.
Then he brings another hand-written paper showing options for purchasing XXXX, XXXX, and XXXX points as a trial offer along with hand written price. The price for XXXX points is written as {$68.00} per month for 24 months. He does not tell or show anything else. He repeatedly forces us to just choose one out of these three options from that hand written paper. All this time, he also keeps stating he has many XXXX friends, XXXX clients and we can just believe him blindly.
After all this forced selling ( note, after my wife and I already had SIGNED the decline form ) and already spending FOUR PLUS hours, I was force agreed to purchase XXXX for {$68.00} per month for 24 months.
Next, the sales person comes back with Paper work. He starts the conversation that he has a meeting and need to step out so we need to rush. He would not let me ready anything and keeps on distracting me stating I just need to pay {$68.00} per month and ignore everything. He also keeps distracting repeatedly saying he has many XXXX friends and he is doing a favor by giving this favor etc. Please note, my family and I were fully exhausted by that time. We signed the paperwork and left the property.
We were travelling for few more weeks after XXXX XXXX. I was shocked to see a letter in my mailbox last week, mentioning a Comenity Community Bank Credit account and associated APR listed for that. I was not told anything at all about a Credit account is being opened with a third party by XXXX on my behalf. That was the first time, I realized, I am victim of financial fraud. I immediately read the paperwork and immediately called XXXX and the other credit agency, since this is completely different from what I was told.
04/11/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
FL
33019
Web
Hello, This is a follow up to an inquiry you responded to before because I believe something was lost in translation. I initiated a credit line increase sometime in XXXX, which was approved on the spot. ( soft pull ). The line increase reflected on my report on XX/XX/XXXX. That was that. I was satisfied.
I DID NOT initiate any secondary request after this. That is why when I received the alert from XXXX on XX/XX/XXXX I panicked and called XXXX XXXX. The representative was very rude and adamant that there was only a single CLI request and that XXXX just decided to pull my credit again weeks later. That did not sound right to me and he refused to let me speak to a manager. He said to contact XXXX.
You letter confirms to me that THERE WAS INDEED A SECOND CLI REQUEST at or around XX/XX/XXXX. I will change my password because MY ACCOUNT WAS COMPROMISED.
Please delete the inquiry from XX/XX/XXXX. Meanwhile I will freeze my credit report.
Thank you -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Below is the original complaint I submitted : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I initiated on XX/XX/XXXX a credit line increase with XXXX XXXX, which was approved THAT VERY DAY. No hard inquiries at all. ( I have had increases in the past without issues. It has always been a soft pull. ) On XX/XX/XXXX, credit line increase from XXXX XXXX is reported to the CRA and shows on my report. All is well. I am happy. Comes XX/XX/XXXX, the CRA reports that on XX/XX/XXXX is when the inquiry was made and XXXX XXXX requested to see my report. XX/XX/XXXX not XX/XX/XXXX. As I have been a victim of identity theft, I panic and contacted XXXX XXXX fraud department and a gentleman tells me that its the order of business for the company and most companies to do hard pulls for CLI. They just sent the request to the CRA to pull my credit for something that happened 3 weeks before. I told him that sounds weird to me that XXXX XXXX would do a pull after the fact, 3 weeks later. I told him that was wrong and I want the hard inquiry removed. Besides, it was a mere {$500.00}, so they can take that back to and I will report to all the forums how XXXX treats its customers and customer information. I am very disapointed in XXXX. Anyhow, see below the alert From XXXX on XX/XX/XXXX and then on XX/XX/XXXX. The pull was made 3 weeks after the fact! XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Retail Inquiry XXXX obtained a copy of your XXXX Credit Report. A lender has requested a copy of your Credit Report for a home retail loan. Every time you apply for credit, a 'hard inquiry ' is placed on your Credit Report and it may stay on your report for 25 months. Alert Details Alert Date XX/XX/XXXX Source XXXX Company XXXX Address XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Limit Increase Retail Card Congratulations! XXXX raised your credit limit to {$2100.00}. Credit limit is the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. An increase in your credit limit may positively impact your Credit Score. Alert Details Alert Date XX/XX/XXXX Source XXXX Company XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Activity Revolving Charge Accounta Previous Limit {$1600.00} New Limit {$2100.00} Is anything incorrect?
11/11/2020
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Application denied
CA
91601
Web
On XX/XX/2020, I applied at XXXX for a credit card account. Comenity Bank issues the XXXX credit card and handles any account related matters. On XX/XX/2020, I placed a call to Comenity to inquire why I had not received a phone call, because according to the Fair Credit Reporting Act, as a victim of identity theft, Comenity was required to call me to verify my identity. I also wanted to know if I was approved, because, I was not approved on the spot and was told I would receive a letter by mail. Verifying my identity has been done for years, anytime I apply for credit. As of today I have not received a call from Comenity to verify my identity, and no messages have been left on my voice mail, which is against the law and is required. When I called Comenity, I spoke to several supervisors who stated they were not aware of the law and could not figure out which department to send me to. How is this? If your company supplies credit to consumers, your company and it's employees in the credit approval department, should be well versed on the Fair Credit Reporting Act and identity theft. Not knowing how to handle victims of identity theft is very dangerous and again I will say, illegal, and could have placed me in direct contact and harm with identity theft yet again.
I received a letter from Comenity dated XX/XX/2020 stating that in evaluating my request for credit I was denied because the credit reporting agency advised Comenity that a security/credit freeze was placed on my credit report and due to the freeze on my bureau report you were unable to verify my credit history. This statement is false. I feel that because you never called to verify my identity, you knew it was wrong, so you thought you would deny my application and that would take care of your wrongdoing. I lifted the freezes with XXXX, XXXX, & XXXX, the 3 major credit bureaus, hours before I went to apply for the credit card, so you were able to verify my credit history. As a matter of fact, you did verify my credit history with XXXX, which provided/provides you with a complete view of my credit. When the freeze is lifted, it is lifted immediately. I have enclosed the letter I received from Comenity and I have enclosed the copies of what I received from each bureau stating the freeze was lifted. I did not enclose the copy for XXXX because my pin number was on it. If needed, I can ask XXXX to send me a copy without the pin number on it to provide to you. I have also enclosed a copy of a section of my credit report that shows that you did view my credit with XXXX on XX/XX/2020. The letter also states that I can re-apply in 30 days if I lifted my freeze from all major credit reporting agencies.
There are 3 major credit reporting agencies and those freezes were lifted and you did view my credit. Any other reporting agency is a secondary reporting agency not a major credit reporting agency. You had a full view of my credit and you were able to verify my credit, and there was a hard inquiry placed on my XXXX credit file, so you should have processed my application, because there were no other reasons provided as to why I would not be granted credit. I am requesting that my application be reconsidered without prejudice, with the credit history that you actually verified and have access to with the XXXX file you requested last week. If not, please remove the hard inquiry from my credit file. I will not be penalized for something you claim you did not do when the proof shows you did.
06/27/2017
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
GA
30329
Web
1. On or around XX/XX/XXXX, I entered into a Promotional Plan # 3 that was supposed to be zero percent interest for one year. The plan was to expire on or around XX/XX/XXXX, and had accrued interest of {$210.00} when it expired. 2. On or around XX/XX/XXXX, I received a letter from XXXX XXXX/Comenity offering me the opportunity to restructure my accounts into a zero interest account with a 60 month pay-off plan. " [ w ] e may be able to enroll you in a long-term program to pay off your account balance over 60 months, with lower monthly payments and no interest. Your scheduled monthly payments would be calculated by dividing your total account balance by 60. For example, if your account balance is {$6000.00}, your scheduled monthly payment would be {$100.00} per month, for 60 months. '' 3. On or around XX/XX/XXXX, I called the " Customer Solutions team '' at XXXX, and was advised that I would be eligible to enroll in the 60 month zero interest plan on XX/XX/XXXX. I was excited about this opportunity because I wanted to get enrolled prior to the expiration of the Promotion Plan # 3, which was to expire on XX/XX/XXXX.
4. On or around XX/XX/XXXX, I called back to enroll, and learned that due to a bank error that had caused several XXXX XXXX returns to be processed as payments on my account, that my account was therefore erroneously still not eligible and I would have to wait until XX/XX/XXXX to enroll. ( My account appeared to be current even though it should have been slightly past due. ) Individuals I spoke with at that time include XXXX ( would only give last four digits of id, XXXX ) ; XXXX, would n't give ID ). 5. By then it was too late to make a pay-off payment that could be applied to Promotional Plan balance # 3, to avoid interest, because such a payment would have had to have been made prior to XXXX, the cycle due date prior to the expiration date. 6. On or around XX/XX/XXXX, I finally did enroll in the 60 month zero percent interest plan to pay off my balance in full. This prevented another balance, Promotional Plan balance # 4, from being charged interest, as this balance was converted to zero percent on or around XX/XX/17. 7. According to my online transaction history on the Comenity/XXXX XXXX website, I was billed the amount of {$210.00} -- interest on Promotional Plan balance # 3 -- TWICE, including once on XXXX and a second time on XXXX. 8. I called today, XXXX, to have the amounts credited back. XXXX, supervisor, id XXXX, was rude and would not even let me finish my explanation before refusing my request and insisting I put my complaint in writing. She spoke over me several times and would not allow me to even finish speaking. ANALYSIS If it were not for the bank error, and if not for me having relied on information provided by Comenity around XX/XX/XXXX that created an expectation that my account was to be on a zero percent interest status prior to the expiration of Promotional Plan # 3, I could have avoided the interest charge one way or another. Either I would have been on zero percent interest as promised, or would have had the opportunity to plan or make arrangements to pay off the balance before XX/XX/XXXX, the latter of which did not seem necessary based on the correspondence regarding the acct. restructuring offer, and the information I was provided by phone. It 's bad enough to be charged once, when I should n't have been charged at all, but upon reviewing my online transaction history, I have been charged TWICE.
04/23/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TX
77015
Web
Older American
XXXX XXXX inability to properly execute a conversion of systems is not nor should evolve to the detriment to any customer ( prior, current or future ). Nor this inadequacy constrain the purchasing power of any unrestricted account.
They were advised many times within the bricks and mortar stores and on the phone of their error but none of their employees would listen, take notes or make any attempt to rectify their error.
They have been told on numerous occasions that they have comingled two accounts into one. They refused to listen.
In XXXX, XXXX, XXXX XXXX XXXX, ( SS # XXXX-XXXX-XXXX ) born XX/XX/XXXX together with me, his wife as co-applicant XXXX XXXX, ( SS # XXXX-XXXX-XXXX ), opened an account with XXXX XXXX ( XXXX XXXX ) ultimately sold to you as Account ending in XXXX..
Apparently years after that XXXX XXXX XXXX. ( SS unknown ) born XX/XX/XXXX opened an account with XXXX XXXX ( XXXX XXXX ) and his account was apparently also sold to them ( current account number unknown ).
Upon conversion of operating systems they obviously deleted the owner of my account ( XXXX XXXX, XXXX Social Security number ending in XXXX and added the inaccurate social security number. When I tried to visit about my account or have the store look up my account if I did not have my card with me I was told that neither me or my husband had access as we were not the account holders. The person for whom they had as the account holder of OUR account was XXXX years old when we contracted for our account.
I paid our account balance off in XXXX, XXXX. It seems Mr. XXXX, XXXX OR someone purporting to be Mr. XXXX , XXXX went to the store and asked for his account to be looked up so he could make purchases in XXXX, XXXX. Apparently this person had the accurate social security number and presented the appropriate identification. WITHOUT OUR AUTHORIZATION, THE BANK AND STORE ALLOWED THAT PERSON TO PURCHASE ON OUR ACCOUNT.
NO ONE OTHER THAN MY HUSBAND ARE AUTHORIZED USERS ON OUR ACCOUNT. IN FACT I AM PROBABLY THE ONLY PERSON WHO HAS EVER PURCHASED ANYTHING ON THIS ACCOUNT. WHOEVER MADE THESE PURCHASES DOES NOT LIVE WITH US ; DOES NOT AND HAS NEVER SIGNED ON THE BANK ACCOUNT WHICH HAS PAID THIS ACCOUNT SINCE INCEPTION.
TO REITERATE THE PERSON YOU SHOW AS THE MALE ACCOUNT HOLDER WAS TOO YOUNG TO CONTRACT TO OPEN THIS ACCOUNT IN XXXX SO THIS CONTRACT IS INDEED VOID.
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( representative ) said that I did have the right to visit with the bank. Really, I have walked out of XXXX XXXX not able to make purchased on many occasions. However, the bank, XXXX XXXX is reporting this account on my credit report.
My husband nor I made the charges. We did not authorize the charges. We do not know who did, but a person who was XXXX at the initiation of this account is not the owner of this account and any purchases made by this person should not be as an account holder of OUR account!
I have closed this account after all these years of being an exceptional customer.
I am not in contact with Mr. XXXX XXXX XXXX, XXXX.
I requested that XXXX XXXX ( XXXX XXXX ) cease reporting incorrect and possibly fraudulent charges to all Credit Reporting Agencies immediately. This has not been done. I asked them to forward a confirmation and explanation of what you are doing to rectify this situation. The is possible Age Discrimination as they have patronized me and treated me as if I just didnt remember what happened since it was so long ago.
02/03/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TN
37129
Web
In the first week of XX/XX/XXXX, I made 2 payments to my account to resolve a balance that had recently changed from promotional to revolving. According to my XXXX statement due XX/XX/XXXX, the total balance of {$5300.00} was owed and {$4300.00} of that was on a promotional 0 % APR through XX/XX/XXXX. This meant that {$1000.00} was revolving and incurring interest at that time. I made a {$180.00} payment on XX/XX/XXXX and a {$880.00} payment on XX/XX/XXXX totaling to {$1000.00}. This should have resolved the outstanding revolving balance and I would have expected some very minor remaining interest for the few days past the statements due date that the 2nd payment was made. However when I checked the account online later, it still showed the revolving balance outstanding along. I spoke with a woman in customer service who said that I was responsible for calling into them to ensure that my entire payment got applied to the revolving balance. She was going to waive the interest and process the application of the payments as discussed to the revolving balance so it would be {$0.00}. I do recall asking if I need to make additional payments and was told no. I assumed it was all fine until I went back to the account to pull records in XX/XX/XXXX for accounting/tax purposes and surprised to find that not only have I been charged interest monthly since XX/XX/XXXX but also that a portion of my promotional balance good through XX/XX/XXXX had been changed over to revolving and compounding interest on that balance. Statement and transaction history showed that a {$910.00} promotional plan transfer was done by the representative in XXXX. I called customer service back on XX/XX/XXXX and manager XXXX pulled the call recordings at my request. He listened to them, understood the problem, and said he was taking the actions to correct the prior representative who did not process it correctly. The penalties would be waived and the balance remaining would be corrected back to promotional only. Due to that day being the end of the billing period, he recommended to check back in 2 weeks to ensure the changes took effect and follow up on further interest fees to be waived. Shortly after I received a letter in the mail confirming that a complaint was opened for a special department to review. Unfortunately, I was ill and hospitalized for some days. I was only able to check back on my online account XX/XX/XXXX to find a credit of {$140.00} applied and my revolving balance was still present and increasing. I called that day to a supervisor XXXX who advised he could not do anything due to a new letter issued closing my complaint. He said the letter confirmed that there were no issues and although he could not see the letter, it supposedly gave explanation and the amounts I currently owe. At the time of the call I had not yet read that letter and have done so now. The letter did not state what I owed nor acknowledged or explained why a promotional balance portion got moved to a revolving interest-incurring line. The letter stated for further inquiries to be made through the Customer Care line. I called again and spoke to manager XXXX ( not the same prior manager XXXX I had spoken to ). I have explained this several times and he advised that he can not do anything further as the complaint had closed out and is not a correction he could make himself regardless if he understood the issue. I could only request a second review be done by submitting so in writing.
05/01/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
10302
Web
hello my name is XXXX , i made the mistake of applying for a clib credit card from XXXX XXXX XXXX XXXX XXXX XXXX ... it was XXXX of XXXX me and my mother inlaw go to XXXX XXXX once a month to go bulk shopping it was christmas time and we normally spend between XXXX dollars every time we shop. it was christmas time so we spent a bit more than normal close to XXXX this time. now i normally pay cash for my purchases because i made the mistake when i sold my first home of being a good consumer and paying off all of my credit card bills .. keep in mind my credit scor e at this time was XXXX i paid of the cards and cancelled most of them because i thought that is what you did pay down youre debt and only keep a few cards instead of 15 needless to say my cr edit score plummeted to a whopping XXXX i was in complete shock so i went on line and tried to figure out how to fix all the lies on my credit report all i was guilty of was paying my debts.. so i worked my XXXX off to get my credit back up in XXXX of XXXX my score was XXXX so like i said i wasnt really keen on getting a new XXXX XXXX card but like i said my bill was XXXX and if i apply and get approved i save 10 percent on my order well guess what ... i was approved along with a credit line of over XXXX wow right i must be doing something right well guess what happens to me the girl in XXXX XXXX puts in the wrong information she looks at my drivers license and puts in the wrong address.. i forgot i even applyed for the card until one day last month i get a phone call from comety bank attempting to collect a debt for the minimum amount due XXXX dollars because like i said i dont like credit card companies and i paid most of the bill the day i made the purchase .. like i said to the lady from the company ma'am i never received a credit card or a bill from you what are you talking about? then i remembered oh wow my XXXX XXXX card, .. then again i said mrs i ne ver got a card or a bill from you.. she said well we do have some returned mail from you .. i asked how long were you going to wait to contact me? she said im sorry sir we will change the information and send you out a new card right away along with a new billi said ok great.. a couple of days later i get mail from XXXX XXXX and it 's photo copies of the first 2 bills thats it no payment coupons or new bill i see late fee charges on my photo copy of my bill and my credit limit decreased from XXXX to XXXX dollars i said oh no this is not good i looked at my credit scored it dropped from XXXX to to XXXX .. i called XXXX XXXX and explained my problem and my concerns because the had already put negative information on my credit report the told me not to worry that it will all be straightened out but the could not remove the late fee 's that even though they made the mistake i was some how responsible for it that they have some policy called no fault i cant believe this they are trying to ruin me and my credit and dont care at all saying even though we messed up XXXX its youre fault i thought i was dreaming i made the payment on the card because they backed me into a corner .. oh remember they promised to fix everything for me this is what they did after i paid they never sent me a card or a bill and on my credit report put card was canceled by creditor?????? what do i do my credit score i s now at a XXXX due to this mess
12/25/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
CA
94104
Web
I am a victim of identity theft. According to the State of XXXX Consumer Credit Reporting Agencies Act FCRA US 16 1851 States that a consumer has a right to privacy and as a data furnisher you are in violation of this the right be reporting inaccurate, erroneous, slanderous and fraudulent information. FCRA 611 US 186 or 18 are being violated because as the original creditor I have released from this debt and filed a ceist and desist from the creditors so reporting theses inaccuracies warrants restitution for each time that it has been deleted and repurposed onto the report in the amount of 1,000 per each instance. the following items were deleted in XXXX twice then repurposed twice in XXXX amounting in a total of $ 8,000.00USD. I will accept settlement in the form of a check due to the damages accessed for the inaccuracy of reporting which is apparent.
Im excising my consumer right as outlined in the FCRA 605B & 611 for accuracy in reporting and to have items that are of fraudulent nature that have steamed being a victim of Identity theft to be updated on the report and to Cease to Desist within 5 calendar days of receipt of these notarized documents. Since its the third time Im sending these documents I have the right to bring civil action against anyone including XXXX, and XXXX who improperly obtains access to my credit file, knowingly or willingly misuses file data, and or fails to correct inaccurate data within designated timeframe of 5 calendar days in accordance with FCRA 605B consumer law. Below are the accounts that are fraudulent and need to be removed pursuant to the FCRA 605B & 611, Truth and lending act and CCA Privacy and Consumer Laws. Thank you.
FILE # XXXX CEASE AND DESIST REPORTING the following fraudulent Accounts within 5 calendar days this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am requesting a Cease and Desist from XXXX in additon due to their negligence in accuracy of reporting and infringing my right of resitiution in the amoutn of 2,500 per violation that they have erroneously reported which has cause extreme emotiional distress, lack of crediability and physical harm.
Account Name charge date Comenity Bank Victoria Secret XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FCRA LAW 605B, 623 and 611 state that within 4 CALENDAR DAYS INACCURATE, FRAUDULENT AND ERRONEOUS INFORMATION SHOULD BE SUPPRESSED FROM REPORTING BECAUSE THEY ARE NOT VERIFIED AND OR CONSECUTIVE THROUGH OUT ALL THREE REPORTING AGENCIES THEREFORE CONSTITUTING THEIR ERRONEOUS IN NATURE AND INACCURACY. ALL THREE BUREAUS NEGLECTED AND HAVE CAUSE GREAT DESPAIR AND HARDSHIP TOWARD ME ESPECIALLY XXXX WHICH I HAVE PAID FOR INSURANCE AND YET MY DATA HAS BEEN LEAKED ALL IN THE DARK WEB I HAVE ATTACHED THE INFORMATION TO THIS POLICE REPORT. Consist to the Credit report the following pertains : Fraudulent addresses that need to be permanently removed from my credit payment are as follows : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX NY XXXX Thank you and I am looking to prosecute for damages, emotional distress, and compensation ultimately until this matter fully is vindicated and absolved, my Credit profile is reporting accurate data once again and my creditworthiness is restored to the full extent possible by the FCRA law.
08/14/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
CA
92127
Web
I tried to pay off my credit card with XXXX by comenity bank in XX/XX/XXXX. There are a series of issues that are causing consumers issues, including myself.
The account in question was closed when XXXX stopped doing business with Comenity ( they reported all the accounts as closed and I was notified by the credit bureau that this resulted in a large hit to my fico ). This closure was not in regard to the status off account, but by Wayfair and Commenity 's decision to no longer work together actively.
After a series of poor service, I decided to take a loan out to pay off the card since it was creating a burden on my credit. When I logged into the portal there was no option to create a payoff amount. Upon clicking on the generate payoff amount it ways " Payment Option Not Available ... .Please select a different payment option to proceed. '' The only o there options are to " minimum payment '' " statement balance '' or " current balance '', so I paid the largest one in an attempt to pay my account in full on XX/XX/XXXX for almost {$1000.00}.
Later I was notified via XXXX that the account was delinquent because interest was applied on XXXX/XXXX/XXXX of approximately {$6.00}. I was shocked as I had paid the account off. I logged in and saw that there was a small balance generated by interest for that month plus a late fee on the approximately {$6.00} and again a random interest charge of almost {$6.00} for XXXX. Unwilling to risk any further issues to my credit, I paid it quickly. I was again prevented with generating a payoff but was instructed to make the other same payment options. Again, I paid the largest balance of approximately {$14.00}. I also sent a message to Wayfair and complained. They responded back saying there was an interest rate increase for that period and that the charge was valid. They did not address the payoff issue, whereby they are not allowing customers left behind when they stopped working so hard together ( Wayfair and Comenity Bank ) and are making it extremely difficult to make a payoff for poor service to consumers.
I just logged in today and see a XXXX XXXX charge assessed at XX/XX/XXXX and I made a XXXX XXXX payment. Again I was unable to generate a payoff quote. I wondered why I am not being notified by them? No phone call no email no mail. I saw that I was changed to paperless but I did not elect for that. Additionally, again, no way to know what I owe or how to remove it. At this point, this is extremely predatory-unfair, abusive and deceptive business practices. I hope that someone will look at their practices around the credit reporting XXXX blanket reporting closed when they stopped the credit card program through XXXX ) and this extremely poor payoff option via the customer portal as well as their poor response to consumers when they alert there is an issue.I am certain I am not the only one impacted by these issues. I would also like that money returned to me for any interest charged for them not allowing me to know how to pay off the loan or to resolve the issue. My original payment amount in May should have been more than sufficient to pay-off the account if their portal was not deceptively and abusively preventing me from submitting the payment. I want to make sure that any record of this issue is updated in my file to reflect that my attempt was to pay off the account. I want you to look at having them fix these issues that could be harming them as well.
01/02/2020
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Charged fees or interest you didn't expect
FL
34201
Web
Older American
This is a copy of the letter sent to Comenity : I was advised to write directly to you by several of your telephone representatives today regarding the aforementioned account.
I will first proceed with a summary of the events together with my comments ( italicized ) : On XX/XX/2019 I attended a seminar sponsored by the XXXX XXXX XXXX company primarily for the very expensive XXXX model.
( seminars are frequent in this part of Florida and, I suspect in many places in Florida and throughout the United States. Together with financial seminars, they typically target retirees and senior citizens and use unscrupulous techniques to sell their goods and services ) .The speaker was XXXX XXXX XXXX of XXXX/ XXXX XXXX XXXX XXXX of XXXX, Florida.
During the seminar, the XXXX representative and XXXX XXXX offered a free XXXX XXXX and trial of the XXXX XXXX XXXX XXXX XXXX.
Wanting to have the evaluation, I set up an appointment for XX/XX/2019 at XXXX. At that appointment, I had a XXXX XXXX and ( as expected ) exhibited am age related XXXX XXXX. XXXX XXXX felt I would benefit from a set of XXXX XXXX. She set up an appointment ( XX/XX/2019 ) for a fitting which meant having a XXXX XXXX made of my XXXX XXXX, since the recommended XXXX XXXX XXXX could not be used without them. I was advised to try them for 30 days and if no improvement was noted, or there was any problem, to return and the units would be exchanged, or a full refund would be offered.
At the time of my first visit, I filled out and signed a number of documents allowing for treatment. Among these was a form for XXXX, affiliated with Commenity Capital Bank. This was apparently for again free-financing of the very expensive XXXX XXXX. ( over {$5000.00} ) Within a week, I returned the XXXX XXXX, noting no difference in my XXXX and received a refund-less a {$650.00} restocking fee.
I complained about this both to XXXX XXXX office and XXXX XXXX. Afterwards, I did receive a {$350.00} refund, as well as {$4900.00} credit for the returned XXXX XXXX.
At the end of XXXX, I left the United States for 5 months to the XXXX XXXX and XXXX. During this time I had constant Internet access.
Apparently the balance on my free account and services remained at nearly {$600.00} and was charged interest for the entire time I was away. I was apparently sent invoices by US Postal Service, but never received any e-mail correspondence from neither XXXX, nor its associated Comenity Bank. Handling over 160 credit cards with over 50 million cardholders, Comenity certainly had the ability to reach out to a delinquent account and ask for payment. This was never done.
As a result, the account was never dealt with and upon return, I received a dunning letter from XXXX XXXX XXXX advising me of the situation.
All of these activities resulted in my credit score lowering by over 100 points and the amount owed remains.
After speaking with the XXXX XXXX, I was advised to contact Comenity Bank and explain the situation, which I did. After being shuffled round I was finally told that theres nothing we can do, since the account was written off and sold. I subsequently learned that in such situations, the account could be bought back-but this was rarely done, even if the Bank is at fault.
I am hoping someone reads this letter that can produce reparations, rectification to my credit and a response from Comenity and stop such predatory practices and scams on often vulnerable Seniors.
12/03/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
VA
22310
Web
I should begin by saying that I have a XXXX history of making on-time, in-full payments on my Ann Taylor/Ann Taylor Loft credit card XXXX which is managed by Comenity Bank.
The problems all began rather suddenly several months ago, when I started being assessed " late '' fees by Comenity Bank -- allegedly for payments that were received after their due date. Initially, I assumed the problem was due to USPS delays, so I began mailing my payments at least 15 business days prior to their due date. However, that did not help. Indeed, the late fees continued. This was most distressing b/c as I noted above, I have ALWAYS paid my bills in full and on time and my credit history/score reflects this.
Then in XXXX of XXXX, I mailed my FULL payment ( of {$140.00} ) XXXX full days before it was due on XXXX. You can imagine my surprise and distress when I learned upon receiving my XXXX statement that my XXXX payment allegedly never arrived. Besides being assessed even more late fees and having an even bigger balance to pay off in XXXX, I had to pay {$29.00} to my bank to cancel the check I'd sent. To date, it has not turned up.
On XX/XX/2021 -- XXXX days before it was due -- I mailed a {$240.00} payment ( XXXX 's balance, plus sizable late fees ) to Comenity. On XX/XX/XXXX, I received a phone call from an aggressive male Comenity Bank customer service rep telling me that my payment was due the next day and that if it was not received on time, I would be assessed even more fees. Again, I was astonished and extremely distressed to hear that my payment had ( allegedly ) not arrived by that point. When I noted this to the Comenity rep, he asked where I was sending my payments. I told him -- XXXX XXXX XXXX XXXX, TX XXXX. He said : " That's the right address. '' I later confirmed this address again w/another Comenity Bank rep XXXX
It's also worth noting that throughout the last several months, I have monitored my checking account very closely online and I have observed that -- with the SINGLE exception of Comenity Bank -- EVERY bill that I have paid has reached its destination within a week 's time, and all my other checks have been cashed on a timely basis. In other words -- of the many bills that I pay each month, the single outlier over the last few months has been Comenity Bank. For some reason over the last 6 months, no matter how early I send the full payment, the check inevitably arrives " late '' or Comenity says it never arrived at all. This is what they are telling me and based on both my experience and that of so many other consumers who have filed complaints against this company ( see the XXXX XXXX XXXX and XXXX ), I don't believe it. This has all the hallmarks of a scam.
In any event, I have done everything right as a responsible consumer and yet -- I am being punished and tormented by this company. I am sick to death of having to pay unwarranted late fees, being bombarded with phone calls, emails and texts from Comenity Bank, and having to pay sizable fees to my bank to cancel checks that allegedly never arrive to Comenity -- despite the fact that I'm : a ) using the correct address to send payments ; and b ) mailing my payments weeks before they're due.
It goes without saying that I will be canceling my account upon receiving and paying off my XXXX statement, but I am warning others to stay away from this company. Something is VERY amiss at Comenity and I urge the CFPB to investigate.
04/12/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Unexpected increase in interest rate
HI
96734
Web
XXXX was recommended by my XXXX XXXX, so I took the offer. My initial charge was {$4100.00}. I did not get a bill of any type for seemingly a while. Upon the beginning of payments with XXXX, I had no clue the amount due or due dates so I set up an arbitrary automatic bill pay of $ XXXX/month through my bank and continued that way for years. I have an extensive travel schedule being away from home so I wanted to assure I was covered. Over the years, I rarely if ever got a bill from XXXX it never crossed my mind since it was set to automatic bill pay. It was not until XX/XX/2020 that I first logged into my account to see a deeper understanding.
With Covid-19 impacting everything, I was stuck on travel and returned home in XX/XX/2020. I was surprised to see an invoice from XXXX, but more surprised to see a random interest charge of over {$1500.00}. That seemed odd to me since I had paid well over {$3600.00}, with very little balance remaining. On XX/XX/2020, I called into customer service and Initially spoke to XXXX who was unable to assist, so they transferred me to XXXX an senior account manager who would be able to help. I asked if she had the authority to correct the mistakes and she said she did, only later to determine she in fact was lying. XXXX was rude and continued to not discuss my account with me. She said that we warned you that some promotional period was going to end. I, in fact had never been warned. Even in the bill I have in XX/XX/XXXX, there was no mention of a promotional period anywhere. So I told her I am disputing this charge and she said fine. I was not provided a notice of dispute or anything else related to this. Angrily, I left the phone call. She claims I was notified. I was not, there is more more to discuss. If I had notification, I would have paid the balance.
With no income from COVID 19, I had been calling my credit card companies to request a forbearance and did so to XXXX on XX/XX/2020. I spoke to XXXX this time, who seemed understanding and kind. He said that in fact, no dispute had been set up, instead XXXX used it as a customer complaint. Her notes on my account said case closed, interest is valid and she closed out the complaint. XXXX essentially acted as the judge jury and executioner and did not investigate or submit my dispute. XXXX noticed that the interest charge was excessive as well. He initiated a formal complaint on my behalf. I also requested COVID 19 forbearance and it was granted.
Of the initial balance of {$4100.00}, 100 % of that principal has been repaid, so now they are simply charging interest and fees on interest and other fees to try to manipulate and trick me into paying. This is predatory lending. No warning of expiring terms and conditions, interest building on interest only.
As you can clearly see from my account, there was never a missed payment or late payment. There could never be a logical assumption that I had intent to not pay the account off. I have a 20+ year credit history that shows excellence because I am diligent about payments. If there was a balance amount that I was aware of and a promotional period expiring I was aware of, it would have been paid if I was honestly provided that opportunity. With less than {$500.00} left and staring at a $ XXXX interest charge, thats 300 % interest.
I formally file a complaint and dispute against XXXX for their intent to trick a consumer into compounding interest schemes.
05/30/2019
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
VA
20112
Web
I am writing to dispute the following information on my credit report stemming from a XXXX XXXX credit card serviced by Comenity Capital Bank.
This item : XXXX XXXX XXXX XXXX XXXXXXXXXXXX $ XXXX $ XXXX Min {$360.00} Late Dates : XX/XX/XXXX 150+, XX/XX/XXXX-120, XX/XX/XXXX-60, 1XX/XX/XXXX-30 is inaccurate because after applying and being approved for the line of credit through XXXX XXXX, I never received a credit card nor any correspondence with my account number in the mail.
My XXXX placed a charge on my account in XXXX of XXXX by calling the financer and receiving an account number, but only after I had left the office and was under the impression the charge was placed on my XXXX account, which I had a card for. I then never received any mail from XXXX XXXX with a bill and was not aware the charge had been put on there until applying for a home loan and seeing the late payments listed in my credit report on XX/XX/XXXX.
Upon discovering the discrepancy, my wife and I spent two hours searching our mail, email, and the internet to try to find a phone number to contact XXXX XXXX. When calling the customer care line, we were transferred to a company called Comenity Capital Bank who services loans for XXXX XXXX. That night we paid all the back payments on the account and tried to find out more information about why we had not received any correspondence from them. They only insisted that they mailed them and that we had to file a discrepancy with our postal service if we didnt receive them. The following morning, XX/XX/XXXX, we called back and paid the remainder of the balance on the account and requested that a letter be sent to us indicating that the account was paid in full. We were told a letter would arrive in 3-5 days.
When we did not receive that letter, we called back again on XX/XX/XXXX. At that point we were told that the letter would come in 7-10 days and that they would also send out a letter with our account number ( which they would not provide to us over the phone ), that would enable us to access the information in an online account. On XX/XX/XXXX we still had not received any correspondence and called again and was told that something was mailed on the XXXX and on the XXXX but they would take 7-10 business days. Finally, on Friday, XX/XX/XXXX we received a Welcome Letter indicating that we had been approved for a {$9000.00} line of credit from XXXX XXXX and listing our account number. When trying to register our account we were denied access and again called. This time we were told that there was a freeze on our account due to a report of fraud and that the freeze would be lifted in 14 business days, at which point we might have access to our account.
On XX/XX/XXXX we finally received a letter indicating that our account has been paid in full along with an additional letter outlining the fraud investigation attached to our account. As the account has been paid in full as soon as we were made aware of it and as the billing correspondence was subject to fraudulent terms, I am requesting that the item be removed to correct the information.
Attached are copies of : 1 ) The Account Information Letter received on XX/XX/XXXX ( 6 months after applying for the line of credit ) 2 ) The paid in full letter for the account in question 3 ) The fraud investigation letter supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.
02/05/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CT
06851
Web
On XX/XX/XXXX I purchased a travel package that included airfare ( {$680.00} ) and a hotel stay ( {$450.00} ) at the XXXX XXXX XXXX in XXXX, XXXX XXXX with XXXX XXXX XXXX XXXX. A few days after my purchase, XXXX XXXX, a subsidiary of XXXXXXXX XXXX XXXX XXXX filed bankruptcy. On XX/XX/XXXX a few days before my departure, I contacted the hotel XXXX XXXX XXXX in XXXX, XXXX XXXX to confirm our reservation and was told I did not have a reservation. I provided the hotel with my confirmation number and a copy of my itinerary. Once again they told me the hotel did not have a reservation in my name. They asked for the name of the travel agency I had purchased my package from and I told them XXXX XXXX XXXX XXXX. The hotel stated that XXXX XXXX XXXX XXXX was affiliated with XXXX XXXX and that because of the recent bankruptcy, my reservation had been annulled. XXXX XXXX XXXX stated that I would need to make a new reservation and that I would have to pay for my stay upon arrival. My credit card billing statement shows a charge for {$450.00} on XX/XX/XXXX from XXXX XXXX. That was the charge from the travel agency. My credit card billing statement also shows a charge in the amount of {$370.00} for my stay from XX/XX/XXXX - XX/XX/XXXX. My credit card billing statement also shows a Provisional Credit of {$450.00} on XX/XX/XXXX and a Provisional Credit Reversal of {$450000.00} on XX/XX/XXXX. I immediately contacted my credit card company, Comenity Bank to file a claim/dispute regarding the {$450.00} charge. I was on the phone with both the credit card company and the hotel XXXX XXXX XXXX for a total of ( 9 ) hours trying to resolve this issue. On my return from my trip I received a letter from Comenity Bank. They were requesting documentation regarding the dispute. On XX/XX/XXXX I wrote a letter to the Comenity Bank Dispute Department about the issue and what had happened. I included a copy of my itinerary, emails between XXXX 's XXXX XXXX and myself, and email between the XXXX XXXX XXXX XXXX personnel and myself.
On XX/XX/XXXX I received a message from Comenity Bank regarding my dispute. I was told my dispute was still being investigated and they would be in touch soon.
On XX/XX/XXXX I received another message from Comenity Bank regarding my dispute. I was told my dispute was still being processed and that I would be contacted by mail if any additional information was needed or the dispute was completed.
On XX/XX/XXXX I contacted Comenity Bank by phone. I wanted to check on the progress of my dispute. I was told that a letter had been mailed to me on XX/XX/XXXX and the dispute had been completed. I was not aware of any letter. I told Comenity Bank I had not received any correspondence since XX/XX/XXXX from them. They said they would reissue the letter by mail and that I would receive it in 7-10 business days.
I stated my frustration with the dispute and asked if I could speak to someone in the dispute department. They told me the dispute department was considered the back office and the only way to get in touch with that department was through mail. I asked Comenity Bank if there was a department that I could escalate my dispute to and they advised they did not have one. They suggested I write another letter to the dispute department protesting their decision to complete the dispute because I had not received a full refund/credit for the annulled reservation that I was charged {$450.00}.
10/12/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
WI
53218
Web
On XX/XX/2019, the complainant to advantage of a promotional offer from XXXX that allowed you to receive a {$25.00} credit when apply for an XXXX credit card toward you first purchase where a {$38.00} purchase was made. ( see XXXX credit card statement [ XXXX ] New Balance {$38.00} ). On XX/XX/2019, the complainant made a {$10.00} payment to XXXX which only left the {$25.00} promotional balance due, however XXXX log the payment as a {$10.00} credit adjustment and assessed him a {$27.00} late fee and {$2.00} minimum interest charge which is fraudulent! ( See XXXX New Balance {$54.00} ). The complainant deemed this debt satisfied after making the {$10.00} payment plus the {$25.00} promotional credit. The complainant then contact ( by phone ) XXXX credit card consumer services ( ComenityCapitalBank [ CCB ] ) and they assured him that the {$25.00} promotional credit would be applied and the debt would be satisfied and waive the {$27.00} late fee and {$1.00} minimum interest charge ; however, the XXXX never applied the {$25.00} promotional credit. ( See XXXX New Balance {$57.00} ).
On XX/XX/2019, the complainant sent XXXX a message through its message box that " My account was supposed to be credited {$25.00} for opening my new account '' and was advised to its Customer Care Department by phone. ( See Email correspondents dated XX/XX/2019 ). Thereafter, XXXX sent the complainant a unrealistic letter indicating that provide them documentation of the promotion 2 months later because the only are presently offering {$25.00} promotion ( incentive ) for its XXXX Visa credit card not the XXXX Projekt Card which you possess. ( See XXXX letter dated XX/XX/2019 ).
On XX/XX/2019, the complainant inflamed XXXX with a letter ( dated XX/XX/2019 ) indicating that they continue to try to collect {$25.00} promotion credit that they refuse to honor where he asserted to XXXX that bate and which is prohibited credit practice and he would proceed with further legal actions unless the honor their promotion and provide him a zero balance. ( See letter Complainant message dated XX/XX/2019 and XXXX 's dated XX/XX/2019 ).
Yet, XXXX ( XXXX ) continue to try and collect the {$25.00} promotional credit and sent him a new ICCS with a new balance of {$57.00} assessing him a new late fee of {$30.00} plus {$2.00} minimum interest charge. ( See XXXX New Balance {$57.00} ). Thereafter, the complainant received a call from XXXX 's representative in a attempt to collect the {$57.00}. At this point, XXXX representative began to extort the complainant ( figuratively ) by holding his stellar credit hostage and demand the ransom of {$57.00} to eliminate the debt. However, the XXXX representative settled for a {$27.00} ransom ( payment ) to release the debt, and waived the {$30.00} late fee. ( See XXXX New Balance {$0.00} ). Because XXXX does not provide a Date of its statements ( just a payment due date ), I have to reference its credit statement as " New Balance ''. This is an unfair practice by XXXX as well not to give the debtor time to pay if not received in a reasonable time frame.
Thereby, because of XXXX 's predatory lending practices, i.e., referring the complainant {$10.00} payment as a credit adjustment ; and once a late fee is waived based on purported promotions not honored, how can you deem the payment as late! Therefore, the " 30 day late payment '' must be removed from the complainant 's credit report.
09/14/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
60640
Web
I called XXXX credit card at around XXXX and they told me that i have 2 late payments whereas whenever I checked my XXXX credit card balance in the month of XXXX and XXXX XXXX ; the IVR guided me that the balance is {$0.00} dollars. I have been calling on their helpline number : XXXX ; printed on the backside of my credit card till today.
Tried my level best to discuss the issue with multiple customer service representatives, they all were abusive and were misbehaving with me over and over again.
I called the helpline only to request a new credit card as my previous credit card number got compromised ( some other person came to know of my credit card, because of that doubt I called the helpline ). The representative over the helpline told me that you have 2 late payments for each payment they were charging me XXXX XXXXto {$25.00} each. She told me you bought a medicine case for {$10.00} on XXXX of XXXX XXXX. Then I got a birthday gift card in the month of XXXX. I went over to the nearest XXXX store and got that receipt of medicine box adjusted, came out thinking that perhaps now I have to pay only {$5.00} dollars out of that because as per my memory i think the gift card normally XXXX send is worth {$10.00} but to me they perhaps mailed me a {$5.00} birthday gift card which the cashier at the cash counter in XXXX downtown area adjusted and even confirmed me.
I told the representative that listen I have too many problems going on. I did n't receive the online or home delivery bill. Can you please remove the late payment because I am absolutely not interested in doing a late payment for a amount for which I got a XXXX birthday gift card and also the IVR since last 2 months gave me the information that I do n't have any late payment and the balance is {$0.00} dollars till this month. Few days back I just suddenly thought to check the status of this XXXX credit card and tried to swipe at one store, I noticed that it got rejected whereas, the credit limit was not reached.
I called the helpline upon this the CSRs at XXXX helpline were very rude, abusive and they were not letting me talk. over and over again almost more than 6 or 7 representatives were misbehaving and when I talk to their team lead / senior representative she removed one of the late payment but when I told you to remove the second late payment as it is not my fault ; it is XXXX fault that they did n't adjusted the gift card and reward points towards my purchase. Their team leader /supervisor or the supervisor at community bank helpline started yelling at me and was very abusive and taunting. Please look into this fraud as abuse because this did n't happen to me for the first time, it happened few times that the store banks tried to abuse me for personal fun and media purposes because there are a lot of people who know me and they abuse me so that media talk about it and enjoy this abuse. The sad part is how come the people or media or other organizations are so abusive that they buy things / services from those organizations who abuse their customers or are abusing me for media or personal fun purposes.
I told the representative of XXXX to completely close my account as i do n't need their services and will only pay {$5.00} to 6 dollars. i will not pay the late fee fraudulently imposed on me by XXXX credit card - community bank.
Kindly, look into this issue and take a serious action against this company.
11/12/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Privacy issues
MI
48611
Web
Comenity Bank - issuer of the XXXX Visa Credit Card - knowingly and deliberately allowed my card to be potentially stolen, and refused to void the potentially stolen number and issue me a new number. Comenity Bank either attempted to aid and abet identity theft, or at least they made no effort to mitigate a known, potential case of identity theft.
During the month of XX/XX/2021, I tried to use my XXXX Visa card but the transaction was declined. When I called to inquire why, I discovered that my current card was void, and that Comenity Bank had sent me a new card with a new number. The new card had been issued when the XXXX XXXX was transitioned from XXXX XXXX to Comenity. Supposedly, the new card had been sent to me many months previously, but I had never received it. Thus, the account number on my card no longer matched the active account number.
I informed Comenity Bank XXXX XXXX Visa customer service that I had never received the new card, and that therefore, that card should be considered lost or stolen. It is possible that someone had stolen the card while it was in transit in the mail.
Therefore, I asked customer service to please void the active account number ( i.e. the number on the card that was sent but never received ) and send me a new one.
Customer service paused for a few moments and then replied, " I am sorry, but the request has been denied. Please watch your mail for a letter you will be receiving in 8 to 10 business days explaining why. '' So I waited. When I received the letter, it said that my identity could not be verified.
Therefore, I tried again. I called customer service again and reiterated the problem, namely that my card was lost or stolen, and that I could become a victim of identity theft if the active account number was not voided. Once again, customer service paused for a few moments and then replied, " I am sorry, but the request has been denied. Please watch your mail for a letter you will be receiving in 8 to 10 business days explaining why. '' When I received this letter, it said the same thing as before ; my identity could not be verified, and therefore, I could not be issued a new card.
I tried a few more times, but the same thing kept happening.
It became apparent to me that Comenity Bank was either trying to encourage identity theft, or at least, they were making no attempt to discourage it. They knew that my card had been lost or stolen, and they knew that someone might be able to use my card to make purchases in my name, but they refused to do anything about this.
I still have no idea what they meant when they said that my identity could not be verified. Every time I called, they asked me for identifying information such as my Social Security number, etc. ( They also asked me my account number, but I told them that I didn't know my account number, since I had never received a card with the new number. ) I answered every question they asked me. And when I asked for a new card to be issued, they merely paused for a moment before replying that the request was denied ; they never said, " Oh, before we can process that request, we must ask you the following questions... '' Finally, I realized I had no choice but to close the account. So I called and asked for the account to be closed. Within moments, the customer service representative replied that my request was accepted and that the account was closed.
03/15/2018
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with customer service
NY
11553
Web
Hello, I would like to file a complaint against XXXX XXXX for many reasons. Initially I took a chance on applying for a card with XXXX XXXX after many poor reviews on the quality of product that the bank offers. I was granted two cards, one with XXXX XXXX XXXX and Another Card with XXXX XXXX XXXX XXXX. My experience with XXXX XXXX XXXX XXXX was quite pleasant as I exemplified 100 % on time payment history but due to inactivity the account was closed. I then reached out and explained that the card wasn't being used as I was putting the money I had towards my other card with XXXX XXXX XXXX. I experienced a financial hardship due to my parent getting XXXX, and having to take in a XXXX sibling. I began to pay the minimum or less due to this financial hardship, and that's when XXXX XXXX began to harass me. It was very saddening to me as prior to this financial hardship I was an on time payer of this account, and had a 100 % on time payment history with other cards given from their bank. I began to receive numerous XXXX and blocked calls from XXXX which led me to feel very scared and threatened. I reached out to XXXX XXXX, and was enrolled into the hardship program in XX/XX/2017. The customer service agent explained to me that my minimum payment would be lowered, in addition to interest. Another component of this program would be that after 3 on time payments before the statement date, I would receive full refund of all late payment fees charged to my account and my account would be bought current. Being that this account is due on the first of every month, and I have paid before the statement date of the XXXX of every month XXXX XXXX continued to mark the account as late extending the lates to 120 days. I have also not received any refund in my amount of late fee 's which were about {$300.00}. I also reached out again to comenity bank via goodwill, and phone to receive possible updates on late fee removal and removal of late payments upon successful payment of the account as promised by the prior customer service representative who signed me up for the hardship program. I was hung up on by 5 representatives, and then directed twice to the same representative who spoke to me in a threatened manor stating that " XXXX XXXX is not going to lose their contracts with the credit bureaus '' by making good will adjustments. After speaking with other friends and family who I directed to open accounts with comenity bank, I was made aware that they didn't have this experience when asking for goodwill adjustment with XXXX XXXX on 60,90 and 120 day payments. This made me very weary that XXXX XXXX is participating in consumer discrimination, as they weren't able to explain to me how they decided between which accounts to adjust vs others when I called and sent another letter pertaining to this matter. I began to do a little research on XXXX and noticed many consumers receiving adjustments from XXXX, despite 5 representatives telling me that their company does not do adjustments. I recently made a payment of {$530.00} to the account, and upon this payment by credit limit was reduced {$500.00}. I have had many ups and downs with XXXX, including them recently closing my account despite making on time payments. My experience has been threatening, and I have felt that XXXX XXXX has ignored my needs as a customer despite having a qualifying life event outside of my control.
08/05/2017
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Confusing or missing disclosures
CT
06492
Web
PayPal credit offers a 'no interest deferred payment option ' for purchases over {$150.00}. On their payment website, following information is displayed which leads the consumer to believe at first reading, that payments will be applied first to promotional balances. After calling PayPal to try and get more information, I was informed that I had 'misread ' the information, and essentially, until the month the promo balance is due to expire, all payments are applied to the standard balances first. When I asked if payments could be re-allocated I was informed 'no we ca n't ' - which I realize is inaccurate as I have worked easily with other cards, to have this done and have been able to change my preferred allocation method - XXXX specifically. I was told a specific payment could be allocated, but I need to call them to do it and make the payment over the phone. I asked where on their website this service option was noted and the service rep was not able to locate this information on their consumer website. I was then transferred to a supervisor 'XXXX ' who stated that it is a 'courtesy ' they offer, but confirmed it is not on the website and was unable to tell me where that information was published. I find this practice deceptive in that the consumer does not have all of the available information to effectively manage their credit account. It is a very easy way for PayPal to offer no interest and then get it anyway when the promo period expires. I always paid well above the minimum and had calculated how much would be applied to each promo balance based on the below information. Warning to all - do n't use you 're PayPal Credit Card for a standard purchases if you have a promo balance already!!!
Link to PayPal information : https : //www.paypal.com/us/selfhelp/article/how-will-my-paypal-credit-payments-be-applied-faq3376 Text for how payments are allocated copied from above link : When you submit a payment to PayPal Credit it will be applied as follows : Minimum Payments : 1.Easy Payments 2.Promotions expiring on current due date ( oldest balance first ) 3.Promotions expiring on following due date ( oldest balance first ) 4.Balances with a lower than standard APR ( e.g. " 90 Day Grace '' and " Balance Prior To '' ) in order of low to high APR, or in case of multiples with same APR in order of low to high balance 5.Standard balance 6.Remaining promotions in expiring order Excess Payments : 1.Promotions expiring on current due date ( oldest balance first ) 2.Promotions expiring on following due date ( oldest balance first ) 3.Interest/fees 4.Standard balance 5.Remaining promotions in expiring order 6.Balances with a lower than standard APR ( e.g. " 90 Day Grace '' and " Balance Prior To '' ) in order of low to high APR, or in case of multiples with same APR in order of low to high balance 7.Easy Payments 8.Current activity 9.Amounts in dispute If multiple promotional purchases posted on the same day and have the same expiration date, payments are applied to purchases in the order that they appear on the statement ( valid for statements printed on or after XXXX XXXX, 2013 ).
Balances from recently expired promotions are itemized on the statement as separate standard balances for up to 1-2 billing cycles. Payments will follow normal payment hierarchy and treat expired promotions as part of the standard balance even when itemized separately on the statement.
01/28/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information is missing that should be on the report
VA
23156
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX Credit Reporting Agency and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services.
In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} acct : ending in XXXX XXXX ( XXXX ) c/o XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ XXXX and $ XXXX There were two credit accounts during this period acct 1 : ending in XXXX acct 2 : ending in XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX below XXXX XXXX acct : ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX Date ( XXXX ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX Date ( XXXX ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX cc : XXXX Settlement Class Counsel XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Addendum : XXXX-XXXX XXXX ( XXXX XXXX ) acct : XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple loans consolidated into one, however I have approximately 24 pages of student loans showing on my credit report. XXXX will show that payments to the XXXX XXXX XXXX XXXX began in XX/XX/XXXX and likely deferred/forbearance request in XX/XX/XXXX or thereafter ; with initial loan taken out in XX/XX/XXXX at XXXX XXXX XXXX ( landline ( XX/XX/XXXX ) and cell ( XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) contract is attached with evidence that there was a prior XXXX purchase in the year XX/XX/XXXX ( XXXX XXXX XXXX ) and evidence showing being paid on XXXX statement.
XXXX XXXX receipt attached ( prior inquiry XX/XX/XXXX or prior ) XXXX XXXX XXXX XXXX
03/21/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
CA
92610
Web
This is a copy of the Letter sent to Comenity Bank/XXXX XXXX XXXX XXXX XXXX : I contacted your offices/XXXX XXXX XXXX through your Secure website and sent a message a few days ago in reference to a question about payment deferment ( not debt relinquishment ).
I reached the number provided and was advised that the Department I was hoping to speak with ( hardship/payment deferment ) was closed for the day. This was after I had waited over 1 hour on hold to speak to any Representative?
Friday morning I inquired with the Representative ( XXXX ) to inquire about my eligibility to have payments deferred for a 60 month program ( previously shared with me the day before by the initial Rep ).
I was told ( by XXXX ) that I had to be delinquent on the next payment and then would be eligible for the 60 month payback program. When I inquired as to why I needed to be delinquent in order to be eligible for this program, XXXX said she did not know.
I also asked her if I would be assessed just 1 late derog on my credit report or 60 late pays, once the initial late appeared on my credit profile. She responded in a somewhat rude manner ( 4 different times ) that she would not be able to address any issues related to credit?
I asked her to if I may speak to a Supervisor for additional information. She came back momentarily and said that no one was available. ( I have worked in Customer Service and I know all the tricks of the trade as far as trying to get a customer off the phone by saying that no Supervisor is available ).
I said that I would wait for one to become available. She came back shortly and said that a Supervisor was now available? I think she was trying to get me to hang up. ( Just my impression ).
The Supervisor said that once the account became delinquent then I would be eligible for the 60 month re-payment plan. I asked her why I had to be delinquent and be assessed a late pay appearing on my credit and she politely said that she did not make up the rule, but was merely sharing what was available and to call in after XX/XX/XXXX to request this repayment program?
I am not understanding nor do I agree with this policy. Why would a customer in good standing need to be delinquent 1 month in order to be eligible for the 60 month repayment plan?
I have never been delinquent and also do not wish to have any late charges appearing on my credit, and have respectfully asked ahead of time due to the Corona Virus and severe reduction of my income to continue to be able to make regularly scheduled payments.
This does not sound like a legal practice, nor is it a logical practice.
In order to be eligible for a deferral program, one needs to be delinquent on their current account?
I am writing this letter to respectfully request this question be posed to your Legal Department for further clarification?
Please let me know what your Legal Departments response is?
I am also copying in the Consumer Finance Protection Bureau to inquire with them if this is a legal and logical practice?
My other question is : if I am granted the 60 month deferred repayment plan, will the interest be suspended or will I be required to make interest payments on the remaining balances? I now have interest deferred plans in place and do not wish to lose this option.
I look forward to your reply.
Respectfully, XXXX XXXX cc : Consumer Finance Protection Bureau
06/20/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
GA
31008
Web
On XX/XX/XXXX my wife and I went to a XXXX Vacation Resort ( XXXX XXXX, XXXX, Fl ). We had a 4 hour high pressured sales pitch and ended up signing up with XXXX points. We have a membership agreement that clearly states 0.00 % annual percentage rate.
A couple of weeks later we received a bill from Comenity Capital Bank and discovered there was a 19.99 % interest rate on the account, I called Comenity Capital Bank that day ( XX/XX/XXXX ) and closed the account. I received a letter a few days later saying the account was closed.
Once an investigation open and then closed, Comenity Capital Bank basically took the word of XXXX and told me the account stands open.
I contacted XXXX on XX/XX/XXXX and was in contact with XXXX XXXX about everything going on. After giving her all the information, I asked her for a copy of everything on file pertaining to my account. She said it would take 7-10 business days, after 16 business days and a couple of un-answered emails she finally responded and said she isnt sure what happened to the original packet sent and that she would send out another one, which I received 5 days later. Upon looking thru every piece of paper, there was nothing stating 19.99 % on any of the paperwork. I emailed XXXX back and mentioned this and asked for her supervisors name ( which she never gave me ) Now 6 months later and after contacting the XXXX, XXXX XXXX from XXXX reached out to us wanting to hear our side. Our phone call with her was on XX/XX/XXXX. After explaining to her what happened and that we never signed anything that stated we had 19.99 % interest rate, she said she can email it to us. Well what she emailed was a PDF file of a 9 page blank form listing 19.99 %. The form was BLANK, no name, no signature. When we told her this, she sent another email of 1 page that had our signature. On that page there was nothing stating 19.99 %.
Which brings me to the question, if there was 9 pages to this document why was only one page given to us when I signed it? We never knew the other 8 pages existed until XX/XX/XXXX when XXXX from XXXX emailed us the blank 9 page form. The man at XXXX that signed us up, knew we would not have signed anything with 19.99 % interest. Comenity Capitol Bank and XXXX withheld all credit card disclosure statements from us at the time of signing. Out right lied to out faces and fail to disclose a material fact, misrepresentation and/or fraud from Comenity and XXXX.
When we were at XXXX XXXX XXXX XXXX filling out paperwork on XX/XX/XXXX we were never shown the whole 9 page document, upon asking XXXX on XX/XX/XXXX for all paperwork pertaining to my account, again we were not given but one of the pages, nothing with 19.99 %, We asked another XXXX person XXXX on XX/XX/XXXX and received all 9 pages but were blank, nothing with our name or signature.
To me this is fraud. Fraud occurs when someone gains something of value, from a victim by knowingly making a misrepresentation of a matter of fact. Wrongful deception to a person or thing intended to deceive others. XXXX was not up front with us about the 9 page document by only showing us one page and not the whole thing.
I ask that Comenity Capital Bank do the right thing for all parties included by closing this account with a {$0.00} balance. I have all the emails and documentation given to us. If there is anything further you need please do not hesitate to ask.
10/15/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
FL
33579
Web
This is about a credit card that was issued through my financial banking institution ( XXXX XXXX ). I was granted a credit amount of {$6200.00} and never used the card. The account was open for about 9 months. I filed a chapter XXXX bankruptcy petition on XX/XX/XXXX and XXXX XXXX was not listed on my XXXX XXXX or XXXX XXXX. I was explained by the bankruptcy specialist at XXXX XXXX that it is protocol for them to close my account. I had no issue with this as many of my other creditors did the same except they closed it as paid as long as the account was at a XXXX balance when they received notice of the petition. The issue I am having with XXXX is that they are reporting inaccurately because they have a bankruptcy tag they are refusing to remove which is why it is being reported that my account with them which was at a XXXX balance is being reported as being discharged through bankruptcy. I had no debt with them to be discharged. In addition to them updating each month that I am late on all three credit reports. They update each month I am late but fix the previous month to say I am not late but for an entire month it shows I am late until the next reporting date comes in. I have tried to get them to provide me with a XXXX balance letter which is what the credit bureaus say is sufficient evidence to have the credit file updated or deleted from derogatory reporting. Whenever there is an investigation XXXX says they are reporting accurately because the bankruptcy tag is flagged on my account and they are refusing to give me a XXXX balance letter so that I may dispute this with the credit agencies on my own. This has caused considerable hardship as this account was in good standing and they have made it seem like they were discharged of my debt with them and they continue to damage my good credit history by saying I am late each month on a account that they decided to close. They only want to offer credit statements which would reflect there were no activity of charges because i never used the card and the full credit amount was the same amount still available when I filed my petition with the court. Other banking and credit card institutions have removed the bankruptcy tag or provided a XXXX balance letter to rectify this issue on their end. XXXX XXXX continues to say they can not. I don't believe its fair of them to ruin my credit reputation and report inaccurately the status of my account at closing when they were never affected or asked by the court petition to grant relief of debt to them. They have already acknowledge that I had a XXXX balance and that the card had no activity on it for the 9 months the account was open.
I am also having the same issue with Comenity Bank XXXX. The account had no activity since XX/XX/XXXX and was at a XXXX balance when account was closed by the credit grantor. They keep reporting they are discharged through bankrutcy when they were not. I requested a zero balance letter from them as well and they keep denying to send it although they verified account had no activity since XX/XX/XXXX and was at a XXXX balance. I would like them to send the letter so I can present to credit agency to have them removed like Wayfair did who is also under this same bank. Wayfair saw I was at XXXX balance and updated the account as paid/closed and I am wishing XXXX to do the same as they are both under Comenity Bank
10/03/2019
Yes
Debt collection
I do not know
Communication tactics
Used obscene, profane, or other abusive language
DC
20001
Web
On XXXX I was called on my phone via a blocked number at XXXX while at work. Upon answering the call I was greeted by a question is this XXXXX ( asking for name of Consumer ) I said whom are you and what business do you have calling me. She stated that she was with Comenity Bank and wanted to see if I wanted to settle an alleged debt in the amount of $ 400+ dollars and asked for name again. I told her that she is first in violation of the FDCPA 15USC 1692d ( 6 ) and 15 USC 1692c ( a ) because they caused my personal telephone to ring and have communicated with a federally protected consumer via telephone without the consumers prior consent or the express permission of a court of competent jurisdiction. She continued the conversation ( further violation of 15 USC 1692d ( 6 ) ) and asked would I like to settle again. I proceeded to ask her what was her name and ID number. She lied and said she does not have an ID number and could only supply a phone number ( XXXX ) and her name, XXXX ( spelling ). She went on the threatened me to say that if I didnt pay that my personal identifying information and this alleged debt would be sent to an attorney. That statement is not only a violation of the FDCPA ( 1692d ) but is also false and misleading. To further I had to ask her was she attempting to collect and alleged debt in which she replied yes. Throughout our entire conversation she did not state that or let Consumer know that she was a debt collector attempting to collect a debt and any information obtain would be used for that purpose as this was my initial oral communication with this company which is a blatant violation of 15 USC 1692e ( 11 ). Upon me telling her that she has violated the FDCPA many times in the time span of me being on the continued call she transferred me to her supervisor, XXXX ( ID # XXXX ). Upon speaking with him he to did not give notice that he was attempting to collect a debt and violated 15 USC 1692e ( 11 ) as well. I told him of my long conversation with the previous representative and told him of the FDCPA violations also. I further asked was his company the original creditor and he stated yes. That is not only false and misleading as the previous rep stated she was a DEBT COLLECTOR, this is as well harassment as I have no fist hand knowledge of any TRANSACTION with Comenity Bank and is not in concurrence with 15 USC 1692a ( 4 ). Lastly I told the supervisor I would be submitting a complaint to the CFPB for their violations of the FDCPA and and seeking monetary relief for the mental anguish, emotional distress and harassment I have endured.
Lastly I ask the CFBP to have Comenity Bank show proof of a TRANSACTION that would prove that the consumer owes this alleged debt. Also please have Comenity Bank answer each of the following rebutting point for point, word for word, under penalty of perjury and sworn affidavit that -They have not violated the FDCPA and trespassed and invaded the consumers legally protected interest ( privacy ). Thus liable under 15 USC 1692ka1 - Does this company have possession and utilizing the consumers Social Security TRUST ( SSN ) account number? If so without my prior authorization they are in violation of 12 CFR 1022.3h. If not then they are in in violation of the FDCPA due to harassment because they are trying to collect and alleged debt from someone without the correct identity.
03/03/2017
Yes
Credit card
Customer service / Customer relations
VA
22193
Web
To Whom It May Concern : Re : Pay Pal Credit, I called in to the PayPal Center to make payment and had a dispute with a Pay Pal Representative on XX/XX/XXXX. I was assigned a payment plan previously that the rep did not want discuss or acknowledge ; she stated the account is due in full and my reply was, " I am under a payment and I kept stating that fact '' with no acknowledgement from the representative. I also asked the question of why is the account still occurring late fee charge and I explained the difficulty of getting the account caught up. The Pay Pal Representative stated, " She would place a cease and desist on the account, '' and I shouted at her, I did not ask you to take that type of action and I hung up the phone, due to the my irritation with the caller. Secondly, I did not request a cease and desist any time during any calls I have been apart of with your establishment.
On XX/XX/XXXX, I called in again, to make a payment on the payment plan account. I was transfer six times and my waited time was over 45 minutes. Finally, I reached the collections department, at around XXXX and a Pay Pal representative spoke with me and insisted she could not discuss the circumstances of the account. Your establishment also told me that no type of payment is acceptable at his time and no details of my account are open for discussion.
My phone log for my home telephone has recorded that from the time frame of XX/XX/XXXX - XX/XX/XXXX, I have been contacted by Pay Pal a 104 times regarding this account. Most of the time I am talking to individuals who do not have a clue of what is going on or how to assist me. In addition, I have two months in which you phone attendants contacted my home on an average of 28-29 times on two separate months. As for my cell phone from the time of XX/XX/XXXX - XX/XX/XXXX, my cell phone logs has registered 92 times with calls from Pay Pal.
I learned of the account closure when I received my XX/XX/XXXX statement. The XX/XX/XXXX statement revealed a balance of {$2700.00} and account closure but now the statement reads for XX/XX/XXXX, the amount of XXXX which is incorrect due to PayPal closing the account.
I have asked for this information on numerous occasions and like many times before ; I was referred to the website instead of speaking to a live person in order to gain some understanding. I assume I have approximately {$250.00} to {$350.00} dollars in late fees added to my account over the past 6 months. However, even though I am not allowed to make a payment to the account and the account is close ; PayPal is still applying fees to the balance. My intentions are to set up some type arrangement to eliminate this debt. Please contact me via mail regarding this issues at your earliest and we can resolve this matter. I will file a complaint due to the treatment and harassment I have received. I am not satisfied with the Pay Pal Credit Service or customer service procedures received over the past six months, in which I have received over 196 calls on this account and each call allowed me to speak to a different account rep with different instructions about 50 % of the time on all calls received. My intentions with Pay Pal Credit are to establish timely payments and eventually close the Pay Pal Credit account.
I would like to thank you for your time and cooperation with this matter.
Sincerely,
08/09/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
VA
23047
Web
My credit card account with Comenity Capital Bank My BJ 's Perks @ World Mastercard account was closed on XX/XX/2020. As of XX/XX/2020 I had not received a letter stating why it was closed. When I called, they told me that they could not tell me what was in the letter. My credit score was above XXXX and was listed as great/excellent with both XXXX and XXXX. I sent a message through the website on XX/XX/2020 about it. Received the following message on XX/XX/2020 and it had the letter attached. Message said : " my name is XXXX. I am a Senior Account Specialist with Comenity Capital Bank. Your account was escalated to me.
This card is issued by Comenity Capital Bank pursuant to a license by Mastercard XXXXXXXX XXXX. Mastercard is a registered trademark of Mastercard XXXXXXXX XXXX.
I apologize for any inconvenience or confusion this has caused. A letter explaining the account closure was issued on XX/XX/2020 and should arrive by mail within seven to ten business days of this date.
The account has been permanently closed and can not be reopened. An application can be submitted in the future if you would like to request a new account.
I have attached a copy of the indicated letter for you to review and retain for your records.
If you have any questions, please click the reply button.
Sincerely, XXXX XXXX.
Internet Customer Care Team '' When I opened the letter and read it, they said their decision was based off of the following : ( 1 ) " Your credit score as of XX/XX/2020 : XXXX '' ( 2 ) " If you feel the credit history information shown above is inaccurate, we encourage you to contact the credit bureau listed in this letter. They will be able to provide you answers about your credit history and how to correct any inaccuracies. ( XXXX XXXX XXXX XXXX XXXX XXXX ) '' I monitor my credit history and scores through XXXX XXXX because many years ago my information in a database of a company I worked for and the student loan database was possible taken in a database hack. XXXX shows I have not had a score below XXXX since XXXX, until Comenity Capital Bank decided close my account for something that I feel is fraudulent reasons, which is a false credit score and history.
Furthermore, when I originally entered my bank information in for payment, they switched the numbers in the account and blamed me for it. I knew it was the right number because I tripled checked before I clicked submit.
I have another card with the same bank but through XXXX. Have had no problems with that card.
When I originally called about it being closed, I was told that another card I had with them had been closed and that is why it was closed. Upon speaking to a supervisor on the same call, who was dumbfounded at why my account was closed because he could see my credit score was very high and I had perfect 100 % on time payment history, told me a letter was coming but could not tell me what was in the letter. As of today, I have not received the letter by mail.
BJ 's XXXX XXXX pushes this card on members when you go to the Customer Service Desk for anything. They tell you that you are approved. Due to this bank and BJ 's pushing it, they have messed up my credit for shutting it down for unjust and in my honest opinion fraudulent causes and refuse to reopen the account but tell me I could apply for another account if I wish at a later date.
01/11/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
27592
Web
I purchased some items at a XXXX store. The total charged amount was {$110.00}. I don't have the exact date but it was in XXXX or early XXXX. At the time of the purchase they offered me a store credit card with a discount on my merchandise if I opened the account. I agreed to open the store credit card at that time. While opening the account they did not ask for any personal contact information. I asked them if they needed my personal information and they said they had my information on file. I assumed that I would receive a bill in the mail at which time I would pay in full because I do not carry a balance on any of my credit cards.
Months passed and I forgot about this purchase. Then I noticed a delinquent flag on my credit bureau account for XXXX XXXX. At that time I contacted them to determine what this was for and subsequently determined that XXXX XXXX was the credit card company for XXXX. By this time there were many months of penalty fees and interest charges to this account. I did not feel that I should be liable for these fees and interest since they did not properly collect contact information for me. I can only guess at where they obtained my contact information but I do have a guess. I believe they used the address on my drivers license which was my home residence however the post office DOES NOT deliver mail to this address and all mail sent to this address is sent back.
I tried for months to resolve this with XXXX XXXX but they would not accept any fault in this matter and wanted all fees and interest in addition to the original charges.
On XX/XX/XXXX I finally spoke with someone who agreed to accept payment of the original charge of XXXX as payment in full and promised to remove all fees and interest. She promised to put my account back to good standing with a {$0.00} balance with acceptance of payment in full. I made this payment via bank transfer from my XXXX XXXX XXXX account. Unfortunately, this is not what happened. They credited my account with the payment but left all fees and interest on my account and continue to charge monthly interest and penalty fees.
I had many more conversations with them but most of them threaten me with legal action and other threats. On XX/XX/XXXX I spoke with a Mrs XXXX ( XXXX XXXX ) who told me that my account had documentation that stated they agreed to payment in full on XX/XX/XXXX and that my account would be put back to having a {$0.00} balance. Subsequently, additional statements have been sent with additional fees and penalties. When I tried to reach out to Mrs XXXX at the number she provided I was informed that she is no longer with the company.
Subsequent conversations to resolve this matter are met with very unpleasant conversations and more threats from their representatives. At this point they will not even allow me to explain the circumstances. They go right to threats and insults and I no longer feel they are trying to deal with any good faith.
FYI : I do not have the account number as I never received the actual credit card in the mail since they did not collect proper contact information for me. If you look at my credit history you will see that I pay my charges in full every month and carry no outstanding balances. This is may standard practice and I would have paid this account in full if I had received a statement in a timely manner.
05/09/2018
Yes
Debt collection
Credit card debt
Communication tactics
Used obscene, profane, or other abusive language
NJ
08012
Web
My Wife has a credit card debt with XXXX XXXX XXXX acct # XXXX. XXXX is the financial backer. My wife realizes the debt went bad due to income changes, and we even enrolled her in a debt management program. Unfortunately the payments we were making did not make any progress into lowering the balance. Her only option will probably be a bankruptcy. I received a call on my cell number ( XXXX ) XXXX on XX/XX/2018 from a XXXX XXXX from XXXX which is a 1st party collector. How they got my number since I am not on the account in any way, I do not know. She left information with me to pass along to my wife.
I let my wife know that they called and my wife did return their call the same day, as we do not avoid anything. She did not get XXXX XXXX. Instead she spoke to a XXXX XXXX who started the call of with a statement of " This is really bad ''. XXXX XXXX proceeded to be rude to my wife on the phone, when my wife said she would be filing bankruptcy. She asked for my wife 's attorney name, which we can not provide at this time only because he has not been fully retained, and therefore would not be able to provide information to them anyway. XXXX XXXX proceeded to say rudely, " I need to know what you are going to do about this balance ''. Again my wife told her the route she has to go. She also told XXXX XXXX to remove my cell number as I should not be contacted. XXXX XXXX then said " Does your husband know about this? '' Upon my wife telling me this, I was livid. That is none of her business and has no bearing on collecting a debt. It is a guilt tactic, which upset my wife and is an abusive tactic under UDAAP. I am a compliance person so I know how people should be treated in this industry, and this is unprofessional and why collections unfortunately gets a bad reputation. This is a collector who has no business being one.
Towards the end of the call, my wife asked for her name since my wife felt harassed, and XXXX XXXX replied " I already told you my name ''. At this point, XXXX XXXX is failing to identify herself knowing that my wife was unhappy with XXXX XXXX 's treatment of her and failed to give this info.
I called them back the same day and reached XXXX XXXX. She told me she was on lunch at the time my wife called back and apologized that my wife went through this. She transferred me to a complaint specialist by their terms, whose name was XXXX. He located the account and the reps name ( XXXX XXXX ). I told him I wanted the call pulled and listened and that we are filing a complaint with the CFPB and attorney general. This never should have never happened and she should not be on the phone speaking to consumers. She greatly upset my wife and myself. I have not heard from XXXX since. This does not surprise me, since they will probably attempt to sweep in under the carpet. I am requesting that the CFPB have XXXX upload the call between my wife and XXXX XXXX, so the CFPB can hear this call. XXXX claimed he had the call at that time. At this time I want a Cease and Desist from XXXX, until we hear back from them that they are addressing this and what that consists of and make full restitution for the harassment and bad treatment of my wife. In addition, I need to know how XXXX obtained my cell number, when it was never part of this account, and never obtained consent to contact my cell, which is a violation of the TCPA.
03/10/2018
Yes
Debt collection
Other debt
False statements or representation
Attempted to collect wrong amount
NY
14226
Web
Older American
PayPal Credit, formerly known as XXXX XXXX XXXX, signed me up for credit service without my knowledge or permission, deceptively advertised its benefits which never materialized, forced me to use PayPal credit instead of other payment methods, " mishandled '' billing in a way that raked up late fees and extra interest charges and charged excessive interest on charges that were expected to be free of interest for up to two years.
They call me incessantly, sent me crazy, illegal amounts due and then called up and offered special deals that are not explained nor accurate and NEVER did not match the written demands listed in their monthly statements for money!
It was explained to me AFTER this credit program started that I would not pay ANY interest for TWO years. That turned out to be a lie.
So the billings changed dramatically when the interest waiver ended in XX/XX/XXXX. So, I have been complaining to no avail to PayPal Credit supervision to continue the waiver due to my XXXX and the Hurricane Irma damages.
I have been dealing with XXXX treatments for the past year and I explained I was not going to be able to make payments until I went back to work. I also explained I wanted to take advantage of Hurricane Irma payment waiver approved by FEMA in XX/XX/XXXX so I could fix up my property after the damages were dealt in XX/XX/XXXX. I am a SnowBird and live in XXXX during warm months and XXXX during cold months. PayPal Credit published a Help guide with FEMA but ignored my request for help!
I wrote PayPal Credit for help but, they denied me the help that other victims of Hurricane Irma faces as well as other XXXX victims face being OUT OF WORK TEMPORARILY! PayPal Credit just closed my account despite my being in and out of the XXXX getting XXXX Treatment and dealing with the Hurricane damages in XXXX!
PayPal Credit then called me in late XX/XX/XXXX and offered me a deal to reinstate my account to OPEN current standing if I paid Three Monthly payments of {$140.00} in XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. WHICH I DID PAY THEM TIMELY!
After I paid them in XX/XX/XXXX, PayPal Credit renegged on their promise to reinstate the account due to a " change in their policy ''. So I asked for my money back and they reluctantly agreed they renegged on their promise and repaid me the {$430.00}.
I want an apology from PayPal for lying about their help policy to Hurricane Victims, as well as to XXXX victims as well as to deceptively advertising great benefits with their XXXX XXXX XXXX program. I also want ALL interest and fees charged and principle payments waived on any purchases I made for the past two years going back to the inception of this credit account.
I see that PayPal Credit was fined by CFPB and required to waive the interest due as well as reimburse the customers {$15.00} million who were mistakenly enrolled in their credit program. Plus the CFPB fined them {$10.00} million and forced them to pay the CFPB Civil Penalty Fund, which forced PayPal Credit to pay victims when they did not want to.
I feel just like the other victims. PayPal Credit MALICIOUSLY FORGOT to keep me informed, FORGOT to advise me of terms and conditions, FORGOT to reinstate me after I paid them three monthly payments of {$140.00} in XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX. PayPal Credit is just a thief who steals money.
08/16/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
NY
10470
Web
XX/XX/XXXX I went into Victoria Secret to get some items. The young cashier in the front advise me that they had a promotion going on and that I could be eligible for a store card that will give me rewards. I ask her if this was a credit card and if this would go on my credit report and she stated no it was a store rewards card. That store reward cars are merely for rewards. She ask for my ID so she can enter my information in the system because it was easier that way instead of verbally. I ask her again are you sure this is not a credit card and she confirmed and said no this is just a rewards card. After scanning my id she began bagging and then ask me to enter my last four of my social. Here is where I questioned it again and she responded this is just for store purposes and to have on fine with your rewards account so that we can identify you when redeeming rewards. Once I provided her with this she began to bag my items. about 2 minutes after that she advise that the system needed for her to call to verify my identity. I was confused. I ask why would the system need to verify my identity for a rewards card. The girl at the registrar then stated she was unaware the rewards card and credit card were the same thing and if I wanted this card which from the beginning she told me was solely a rewards card my credit had to be run when she called. I declined and ask for my id back. I was furious as I have been trying to fix my credit in hope to get a home in the future. She stated not to worry since we did not call this would not go on my report. I was furious at thew misinformation provided. I ask again are you sure this did not effect me. Also I advise her to become more familiar with this information as she was providing conflicting information to customers. she told me not to worry that nothing was processed and it will not be on my report. I paid and left the store. 20 minutes later I get a email from XXXX stated there was a hard inquiry on my report made by Victoria Secret. I rushed back to the store to speak with the manager about what had occurred and what was on my report. The manager stated she could not do nothing here and apologized on the cashier behalf. She stated since the call was not completed this should fall off my report by the end of the day. I ask her if it does not what should I do and she stated call customer service. At this point I was so upset and voicing to her that they should train cashier the correct way. She apologized again and reassured me that this will fall of.
Today XX/XX/XXXX I look at my report and this inquiry is still here. I called victoria secrets customer service number and informed them of what occurred and the rep stated all I can do is dispute this with XXXX. I called XXXX and notified them of what occurred and the rep advised me to call Victoria secret requesting a letter stating it was okay to remove from my report. XXXX also stated if Victoria Secret did not comply that my next steps should be in contact the CFPB. I call Victoria secret back and they stated they can not provide me with a letter as they do not have any information on me on file and that they do not have access to applications. I ask how can you not habve information on me if you guys put a hard inquiry on my credit report. The Victoira Secret rep advised me I must dispute with XXXX
I
01/22/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
FL
34221
Web
Servicemember
I recently became XXXX. I am awaiting my short and/or long term XXXX. I contacted XXXX XXXX ( " XXXX '' ) about their hardship program so I could still make payments and so they would made privy to the situation.
On or about the week of XX/XX/2018, I contacted XXXX. While on the phone, the representative stated they had enrolled me into the " hardship '' program which would " lower my payments and interest rate for twelve ( 12 ) months. '' I was informed I would not be able to start the program until I made a specific amount to each account and took care of the past due.
At that time the monthly payment terms I was given were the following for each one of my accounts.
XXXX XXXX - {$25.00} XXXX - {$25.00} XXXX - {$25.00} XXXX - {$20.00} XXXX XXXX - {$25.00} XXXX XXXX - {$15.00} At that time I informed them I could make the first of 6 monthly payments to XXXX XXXX and XXXX the following week. Followed up by XXXX and XXXX XXXX the week of the XXXX, and XXXX and XXXX XXXX the week of the XXXX. I informed them I would remain in that order weekly and it would come directly from my bank as an ACH. The representative stated that was sufficient.
I never received anything in writing as I asked stating this was the agreement.
I made the first set of payments, XXXX XXXX and XXXX as promised as an ACH and in the amount given. I made the second set of payments ( XXXX and XXXX XXXX ) as an ACH on XX/XX/XXXX, as promised.
On XX/XX/XXXX, I was called by XXXX to inform me I was past due on my XXXX account. I stated to them that I had signed up for the hardship program. At that time I was informed I was never signed up ; despite being told I was and making payments for the amounts given. As well, on the dates and method given.
Furthermore, I was given different amounts that I had to pay in order to sign up for the hardship program. The following amounts are the subsequent payment terms I was given.
XXXX XXXX {$30.00} XXXX {$40.00} XXXX - {$40.00} XXXX - {$40.00} XXXX XXXX - {$40.00} XXXX XXXX - {$20.00} These amounts are different than that original amounts, and the amounts paid as promised. At that time I was informed I could not set up via ACH from my bank to the accounts. I had to make direct payments and the 1st three payments must be scheduled in advance. This was converse the original terms I was given.
I started giving the representative my payment dates I could start making payments in the new terms when I was told that I must make them all by the XX/XX/XXXX. Again, this is converse what I was told the 1st time I spoke to a representative. As well the representative began getting frustrated with me because I wouldn't make all 6 payments at one time. I informed the representative that I was unable to do so because I have limited funds available and budget from week to week. The original payment schedule is one that was cohesive to my budgeting.
I had to end the conversation when the representative began talking over me and interrupting me when I was attempting to explain to her that I am not able to return to work currently. As well, that I couldn't make all the payments at the time and this was converse the original agreement.
At that time I asked for all correspondence to be in writing and they were not to contact me via telephone. This was to ensure there was no more inconsistencies.
12/07/2019
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
NY
13039
Web
I purchased a cosmetic bag and 2 body products at Victoria Secret ( VS ), on XX/XX/XXXX, and charged the items to my VS store credit card. Purchase total, {$18.00}. On XX/XX/XXXX, I received a collection notice from XXXX. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA, XXXX indicating my account is overdue. Current balance now {$250.00}. ( copy of letter enclosed ).
Upon calling the customer service line at VS, I was directed to Comenity Bank ( corporate headquarters XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ) as they hold VS credit card accounts. After spending 3 days on the phone speaking to a number of customer service and recovery center representatives I was told that my account had been sold to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX ) and got nothing but a lot of run around and a lot of brush off. ( Please note I received no other contact from Comenity bank either through phone or e-mail address. Though I believe an old phone number was listed, again, due to system error/failure per next paragraph ) After another call to Comenity Bank, on XX/XX/XXXX, a customer service representative, XXXX, did indicate my address had been changed as of XX/XX/XXXX, to an address of XXXX XXXX XXXX, XXXX NY. This is my previous ( last ) address. My current address, where I have resided for 10+ years, is XXXX XXXX XXXX, XXXX NY . In fact I received my last VS statement in XX/XX/XXXX at this current address. Therefore, all VS statements from XX/XX/XXXX to XX/XX/XXXX were mailed to my previous address. When I asked how the address got changed, no one could answer my question directly, other than the system had changed it. ( Please note at no time this year ( XXXX XXXX did I call Comenity Bank to change my address back to a previous address of XXXX XXXX XXXX, XXXX NY ) I requested to have the XX/XX/XXXX to XX/XX/XXXX statements mailed to me. I received such said statements on XX/XX/XXXX, from Comenity Bank. Confirmed, the statements were addressed to my previous address, XXXX XXXX XXXX, XXXX NY XXXX ( Copies enclosed ).
I mailed the copies of the billing statements to XXXX XXXX XXXX , XXXX addressed to XXXX XXXX, Collection Supervisor again indicating the statements were mailed to my old address. I have also enclosed the statement from XXXX of XXXX with my current address. After discussing situation with XXXX XXXX, he asked what I would be willing to pay and that he would go back to Comenity Bank to negotiate. I said I would be willing to pay the {$18.00} for the items I purchased and in good faith, I am also willing to pay one late fee charge of {$37.00}. Total of {$55.00}.
In the meantime, I also wrote a letter ( and sent copies of the billing statements ) to the President of Comenity Bank, Mr. XXXX XXXX, asking assistance with regards to the situation. ( copy of letter enclosed ).
On XX/XX/XXXX I called XXXX XXXX at XXXX XXXX XXXX to follow up on the situation. He told me he had been trying to call me. ( Note, I received one call from XXXX. XXXX XXXX XXXX phone number ( XXXX ) XXXX and no message was left. ) He told me that Comenity Bank did not agree to the {$55.00}, but agreed to a settlement of {$110.00}. My understanding that if I agree to the settlement ( and not pay the full amount of {$250.00} ) it will negatively impact my credit report for 7 years.
12/13/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
OH
45231
Web
Older American
XX/XX/XXXX woman within chgd my XXXX XXXX cc for an annual program they offer that I did not ask for or request.
This is the second year in a row they have done this to me. In XXXX it took me 5 months to get it removed and it was into XXXX when it was done with the promise it wouldnt happen again, but it did.
I received a paper statement XX/XX/XXXX with this XXXX charge and a late fee because I hadnt pd the XXXX chg that I knew nothing about. I called immediately and as usual was bounced around to multiple people of which didnt speak good enough XXXX that understood what I was trying to tell them, that the charge was fraudulent and I wanted it removed and I wanted credit. I spoke to XXXX, XXXX, XXXX, someone I have no idea what her name was that hung up on me, supvs XXXX, XXXX, and finally XXXX # XXXX who assured me the charge would be removed within 3-5 business days and she gave me Credit for the late fee and finance charge or so she said. XX/XX/XXXX still no credit showed, spoke to XXXX, XXXX who hung up on me, XXXX, XXXX, then XXXX who again assured me hed get that credit thru before another late fee and to NO WORRY. XXXX AT THE BANK told me she could see the credit but she didnt know why it wasnt going XXXX she understood my frustration, she told me to always ask for a supervisor so I didnt get all of these people who dont speak XXXX like I had been getting and on XXXX she transferred me to the order Dept I spoke to XXXX, at XXXX ; XXXX XXXX XXXX, XXXX, and finally XXXX who assured me this time I would definitely get the charge removed and this would never happen again and to close the account as soon as the charge was removed. Well needless to say still no credit came thru. Then I was told by XXXX it would take up to 90 days to disput a charge at which point I demanded to speak to a supervisor because I was never told that previously, then they put XXXX on the phone who couldnt answer any questions someone named XXXX, then finally a supervisor named XXXX which was a wonderful young lady who was extremely helpful she asked if she could place me on a brief hold so she could look at the notes which was fine, she came back, said she would MAKE SURE THE CREDIT WENT THRU, THAT THE PROBLEMS WERE ON THEIR END AND THAT I NEEDED TO CALL COMENITY BANK AND HAVE THEM CREDIT THE LATE FEES AND FINANCE CHARGES BECAUSE THE CHARGES SHOULD HAVE BEEN REMOVED MONTHS AGO WHEN PROMISED BUT IT WASNT. AND SHE TOLD ME TO CLOSE THE ACCT AS WELL. SHE CALLED ME BACK LATER THAT DAY XX/XX/XXXX AND TOLD ME THE CREDIT HAD BEEN DONE AND I WOULD SEE IT IN 3 DAYS. AND IT WAS. WHEN ICALLED COMENITY BANK TO GET THE ONE LATE FEE AND FINANCE CHARGE REMOVED SUPVSR XXXX REFUSED SAYING SHE DIDNT CARE WHETHER IT WAS WOMAN WITHINS FAULT OR NOT, THEY ONLY GIVE 1 CREDIT FOR A LATE FEE IN 18 MONTHS AND THAT I HAD TO PAY IT. NOW THERE IS A SECOND LATE FEE AND MORE FINANCE CHARGES ON A BOGUS CHARGE THAT WAS REMOVED FROM A CREDIT CARD THAT I DIDNT APPROVE THAT THIS COMENITY BANK IS REFUSING TO REMOVE. SO I NOWHAVE A LATE FEE + finance charge on a late fee and finance charge on. I am a XXXX XXXX and I feel like thi company has taken advantage of me over and over since this has all started. I feel like this has been a big game to them, promising to take the charge off month after month, and they lied. Its XXXX abuse, flat out.
01/30/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
GA
30909
Web
On SundayXX/XX/XXXX, I received an advertisement via email to view a product called XXXX while watching the advertisement at the end there was a promotion to purchase the item for XXXX as soon as I advanced to the next screen on my mobile device it begin jumping around causing the phone to shut off. Upon the phone coming up I received a couple of emails congratulating me for not 1 but 2 purchases from a company called XXXX XXXX via email from XXXX and XXXX XXXX. All of which are affiliates of this company who is running a complete scam and attempting to steal from via PayPal credit card services. I notified PayPal resolutions department and they too seem to be giving me a run around concerning this. After receiving the phone number from a rep at PayPal credit to contact the merchant on Monday XX/XX/XXXX I did that. The merchant informed me the item will be cancelled. I asked for confirmation the representative stated they dont give confirmations they cancel and I will see it on my PayPal account. I checked my account hours later and no credit. I called them back and another representative stated give it a while longer and twelve hours later around XXXX on XX/XX/XXXX I begin receiving emails from the company representatives showing them responding to an email dated forXX/XX/XXXXwhich is today, that they shipped the items and cant cancel it and for me to reject delivery. I responded to them XXXX dont allow consumers to reject shipments from senders only senders can stop their own shipments. This is an attempt from them to make me take a product they claim theyd cancel by sending it anyway and claiming I received it. To justify their theft by deception and fraudulent attempt to receive compensation for an unauthorized purchase. I informed them if they send it Im currently in Virginia not Georgia and theres no way for me to return an unauthorized shipment. I also advised them if they dont contact XXXX and stop it themselves. It will be delivered and it may be stolen because Im not in Ga and will not be held liable for their error and lies. I also notified Pay Pal credit resolutions Dept who are giving me a run around as well. However as of yesterday and today they have reached out to this company too and it shows on my account theyre waiting on a response. This kind of business is fraudulent and use tactics in an effort to defraud consumers by lying and charging credit cards for cancelled purchases. Then trying to make the consumer send back unauthorized purchases via mailing carriers that cant be cancelled by consumers only by them. All this company had to do was cancel the transaction as theyd stated and give confirmation not steal by lying to an innocent consumer and charging a credit card for unauthorized transactions by sending a supposedly cancelled product the very day Mon XX/XX/XXXX they were notified of the unauthorized transactions as well as notified me they had cancelled the transaction. I really need you all to help me because this is theft by deception and fraud and this company needs to be stopped. This could ruin my credibility and these folks continue to operate on a daily basis. Scamming, deceiving and stealing from consumers like me. I have notified them I will file this complaint to shed light on their awful business practices so they cant continue defrauding people.
01/31/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
MI
48026
Web
I WILL TRY TO SIMPLIFY, ,HAS BEEN GOING ON FOR OVER a year. i purchased a mattress XXXX XXXX... it was badly defected went the next day into the store they absolutely would NOT help..would not come to the house to inspect. had to find a phone # to get customer ser, to come out. months went by the cust. ser. stated it was very badly defective ... ... months went by..the first payment went to their bank billing dept which I PAID and I ASKED FOR A REFUND THEY WOULD NOT DO IT ... ... THEY STATED IN XX/XX/XXXX TO GET A REPLACEMENT THE STORE NEEDED ANOTHER PAYMENT AND FOOLISH AS I WAS I WENT TO THE STORE TO MAKE ANOTHER PAYMENT... WHICH THEY DID NOT NOTIFY THEIR BANK THAT THEY RECEIVED IT SO THE BANK DID NOT KNOW..NOW I WANT YOU TO UNDERSTAND..I PURCHASED THIS MERCHANDISE IN XXXX AND THE FIRST OF XXXX NO LONGER WAS THAT BANK STILL WORKING FOR THE RETAIL STORE..I TALKED TO THE XXXX XXXX XXXX AND TALKED TO THE BANK AND THE RETAIL STORE AT LEAST 100 TIMES TO NO.. AVAIL ... THE BANK WANTED THE MONEY AND THE RETAIL HAD NO IDEA OF THE SITUATION BECAUSE THEY HAD NO CONVERSATION.. WITH THE BANK ... ..IT GETS WORSE AND WORSE... I AM SO SORRY I EVEN DID BUSINESS WITH THEM THE DAY I PURCHASED THE MATTRESS FROM STORE THEY MADE THE BANK DO A HARD HIT ON ME WITHOUT MY AUTHORIZATION HAD NO IDEA AND THAT ALONE IS AGAINST THE LAW... IT BROUGHT MY CREDIT SCORE FROM XXXX DOWN BELOW XXXX ( FAIR ) I WORKED HARD FOR THE SCORE THE BANK WANTED THE MONEY EVEN THOU THEY WERE ... ..NOT ... ..WITH THE RETAIL STORE ... I SAID IT IS YOUR LOSS NOT MINE... I DID EVERYTHING CORRECTLY ... AS IT TURNS OUT THE BANK ( COMENITY BANK ) AND THE RETAIL STORE ARE BOTH CROOKS ... .I EVEN SENT IN TO THE COMMENITY BANK DISPUTE DEPT WHICH THEY DID RECEIVE THE ENVELOPE WITH ALL THE INFORMATION ( THE CORRECT INFORMATION ) THEN I KEPT CALLING BECAUSE THIS WAS IN DISPUTE SINCE XXXX AND THEY CAN NOT ADD ADDITIONAL FEES BUT THEY DID ... AND MY CREDIT SCORE HAS GONE DOWN!!!!! I WILL NOT ADMIT TO LIES ON THEIR BEHALF... I SAID TO THE BANK IT IS YOUR LOSS BECAUSE YOU WERE NOT TELLING THE TRUTH AND THE RETAIL STORE WAS DOING THE SAME I THOUGHT I WAS ON A 18 MONTH LOAN TO PAY THE AMOUNT WITHOUT INTEREST ... THE BANK PAID THE RETAIL STORE THE DAY I PURCHASED AND THE RETAIL RECEIVED ADDITIONAL FEES WITHOUT THE BANK KNOWING THE REAL TRUTH... .I TALKED AND TALKED FOR MONTHS AND GOT VERY SICK ON THIS MATTRESS WHICH I TRULY BELIEVE SOMEONE ELSE HAD BEFORE ME...
AS THE STORY GOES COMMENITY BANK ON XXXX CLOSED MY CHARGE ACCT. THEY WERE WORRIED I WAS TAKING THEM TO COURT ... AND SHE THE SUPERVISOR CALL XXXX CREDIT BUREAU TO PUT A HARD HIT TO CHECK MY CREDIT SCORE WITHOUT MY AUTHORIZATION AND IT BROUGHT MY CRDIT SCORE WAY DOWN PROBABLY A XXXX POINTS ... THE BANK HAD NO RIGHT WITHOUT MY AUTHORIZATION... NOW I AM DOWN BELOW XXXX SCORE OR FAIR WHERE I WAS EXCELLENT AT XXXX SCORE,,, ,MY REAL PROBLEM IS I WAS GOING TO PURCHASE A HOME IN THE FALL AND THIS IS HURTING ME... I HAVE NEVER HAD PROBLEMS LIKE THESE SCAMS THAT ARE GOING ON NOW ... .I WANT XXXX TO REMOVE THE BAD DEPT ACCT. AND PUT ME WHERE I TRULY BELONG ... .EXPERIAN NEVER NEVER LOOKED AT MY CREDIT JUST DID WHAT COMMENITY BANK WANTED ... WHAT THE XXXX IS THAT I COULD SAY ALOT MORE AS I AM VERY VERY ANGRY AND I WAS GOING TO SEE MY ATTORNEY BUT I AM NOT PAYING THE BILL I DO NOT DESERVE...
XXXX XXXX
08/28/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NE
68164
Web
On XX/XX/2019, I made a purchase for {$140.00} at XXXX using my XXXX credit card. On XX/XX/2019, I returned part of the merchandise associated with the {$140.00} purchase to a local XXXX XXXX retail location at the XXXX XXXX in XXXX, NE. The refund was for {$110.00}. Later, I reviewed my receipt and saw the refund did not process back to my XXXX card, evidenced by the last 4 digits of the card number the refund went back to, which is not associated with my XXXX account. Review of my online XXXX credit account a week later showed no refund, confirming my observation.
I returned to the store where the error was made on XX/XX/2019. I spoke with the store manager about the issue who made a call ( to whom, Im not sure ) and was placed on hold for 30 minutes trying to resolve this issue caused by an associate that works at the store. After 30 minutes waiting as the manager waited on hold, I gave up and returned home. I called to XXXX credit card customer service the same day. The representative I spoke to confirmed that he could see that the refund went back to an old, closed XXXX XXXX credit card account.
At first the representative, attempted get me to give him my bank account routing and account number so he could deposit the {$110.00} into my bank account. I was uncomfortable with this so he said he could send me a check instead, which could take up to 10 business days for me to receive.
After 8 business days went by, on XX/XX/2019, I called XXXX credit card customer to check on the status of the check, just to make sure everything was going according to the representatives word. At first I spoke to a customer service rep who then transferred me to a Senior Account Specialist who told me she could see the old, closed XXXX XXXX account in your system, but no evidence of a refund for {$110.00} associated with that account and no evidence of a check issued to me for that amount. We confirmed that the last 4 digits of the card number on my refund receipt matches the last 4 digits of the account she was viewing in your system.
I am not able to understand how my receipt shows a refund to this card but your system does not! Did the refund simply disappear into thin air? It makes no sense at all. The bottom line was that a Senior Account Specialist was not able to help me. In addition, it appears that the first agent I spoke to lied to me.
FYI, the Senior Account Specialist states she pulled and listened to the call from XX/XX/2019 and I have detailed notes from both calls that should help you pull and listen to any call associated with this issue.
On XX/XX/2019, I submitted a complaint to the XXXX XXXX XXXX. On XX/XX/2019, I got a message from the XXXX that Comenity Bank would contact me within 20 days to address this issue. That was 31 days ago and I have yet to hear anything from Comenity Bank.
Needless to say, this has been a very negative experience. It is not my fault that an associate at one of the retail locations that accepts Comenity branded cards processed a refund incorrectly. From my point of view, and any rational persons point of view who reads this complaint, failing to resolve this issue appropriately is tantamount to theft : I returned the brand, new unused merchandise less than two weeks from the date of purchase and I have no refund to show for it.
09/28/2017
Yes
Debt collection
Credit card debt
Communication tactics
Used obscene, profane, or other abusive language
NJ
08043
Web
XXXX XXXX 's company which is apparently called XXXX XXXX XXXX, initially contacted me back in the middle of XXXX in regards to a debt I had owed for a Victoria 's Secret credit card. They went back and forth with me in regards to amount I could financially afford to pay them per month and they came back with a number ( $ XXXX ) which I thought I could possibly handle. They said they would email me a contract, to review that contract, and sign and email it back to them. I foolishly had given them my bank account information prior to reading this contract, and I felt uneasy about this, so after I had gotten off the phone with this gentleman, I started investigating the company and did not feel comfortable letting them access my bank account monthly, so I declined the contract ( I do have screen shots of this ). I must have asked the gentleman on the phone, repeatedly, that if I do NOT sign the contract, there will be no funds withdrawn from my bank account in which he did reply with " correct. '' However, sure enough, on the date they had agreed to withdraw money they went ahead and took it out of my bank account. I called and disputed charges with my bank, and changed my debit card in order to avoid future charges - because I was under the impression since I had not signed the consent/contract, that they should not have been doing this. Fast forward to yesterday - XXXX/XXXX/XXXX - I received a voicemail at XXXX after XXXX missed calls from the same number, from a " XXXX XXXX XXXX basically degrading me, telling me I am a habitual liar, and a thief and a fraud and how he was going to forward all of the tapes they have of me agreeing to things over to my bank - how based on my XXXX XXXX I am a habitual offender, along with multiple " punitive charges '' - and how my Victoria 's Secret credit card must have been worth it and all of the women 's lingerie I purchased was hopefully worth this - I literally sat there listening to the message appalled that someone in a professional setting was able to say these things to me - not knowing my situation, my history or my personal life. I have saved this voicemail. I also made sure I had screen shots of me declining to review the contract/consent. I am just baffled as to where to go next. I plan on going into my bank and trying to give them all of the information I have regarding this, in case they do follow up with them and with whatever " tapes '' they have - which would also have me asking them, on more than XXXX occasion ( because I knew I was being recorded ) if I did not sign the consent, would they still be withdrawing the funds ( in which they responded with a " no '' ). Like I mentioned, I also do have screen shots of the phone number in which they called from, I saved the degrading voicemail that they left me which I believe is in violation of the debt collector harassment laws section XXXX ( XXXX ) because I was verbally called a liar, a thief and a fraud. I am a single mother, working full time, trying to provide the best I can for my son and I do n't think bullying me with verbal abuse will get anyone anywhere. I am hoping for some help, guidance and/or advice on where to turn next. I really do not want to have to be in contact, or have to contact this company or this gentleman any time soon. Thank you so very much.
08/05/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
75068
Web
XXXX , XXXX , XXXX Comenity credit cards I 've had all of these store cards for years ( except JJILL ) with no problems. No interest charges, no underserved late fees before they became Comenity.
Apparently some time in XXXX they switched from whatever servicer they were to Comenity and I have had nothing but problems every since.
The following information is specific to XXXX because it is the latest of my problems with this credit card servicer but it applies to all Comenity credit cards listed above.
When I originally opened a XXXX Credit card we paid our paper bill every month and had no problems. I do n't know when we went paperless but my recollection is that we were on automatic payment prior to XXXX when the Comenity servicer took over service. We moved in XXXX of last year. Since then I have n't received any bills on my seldom used Comenity credit cards and so received late charges and finance charges on all of them.
I went on line to see what happened and realized that we are on paperless billing with no ability to automatically pay these credit cards. Email is not a reliable nor secure way to make sure my credit cards are paid on time with all the junk mail we receive from these same stores. Also, I called on all of the above cards, within the last month and made them go back to paper bills and still was never told about the new finance charge fees until today! At least XXXX 's had the decency to explain to me about the new way finance charges are being calculated monthly on all charges even if your bill does n't show a recent charge.
I object to credit card companies having the ability to switch this way and still have no way to automatically pay ALL CURRENT charges in order to never be late and never receive finance charges with no errors.
I feel this is deliberate and so different from previous ways of paying credit cards as to constitute fraud.
I called XXXX this prior month when I received a late fee notice and finance charges and they explained why I was getting a late fee and finance charge bill. They told me what my current balance was, took off the late fee and gave me my current balance including my finance charges and let me pay it in full that day on the phone. I put it back on paper billing now that we have a permanent address so I would n't ever be late again. Even though they did n't take off all the finance charges I felt this was fair enough not to cancel my credit card.
Now I receive a bill for {$1.00} in finance charges in my bill for closing date XXXX / XXXX /2017. I called to find out why when I paid in full over the phone last month and they explained the new way of doing finance charges. I spoke with XXXX over the phone and she confirmed for me that there is no way to automatically pay my balance in full every month on their websites and how the new financing calculations work so I closed all my Comenity accounts. Again, if there is no way to INSURE that you are never late, I feel is purposeful and misleading.
I just want others to be aware and my complaint on file as to the the unfairness of not being able to be assured that my bill is never paid late nor incur finance charges.
It should be REQUIRED that any credit company have the ability to have automatic payment online if they have paperless billing.
01/10/2018
Yes
Debt collection
I do not know
False statements or representation
Attempted to collect wrong amount
PA
15235
Web
Older American
in XXXX XXXX, i ordered some items from XXXX clothing, which is backed by comenity bank. my order totalled about XXXX dollars and i qualified for free shipping. when the order arrived i did not like the items and returned them the day after arrival. i contacted XXXX and was told as soon as they processed the return i would be notified. they sent me an email 2 weeks later that the items were returned and that i owed {$7.00} return postage fee. ui would be billed accordingly. i received no bill in XXXX XXXX, no communication at all. near the end of XXXX i received a bill for {$50.00}. i called XXXX and was told they had attached a late fee. i informed them i had never gotten a bill since i returned the items in XXXX XXXX they apologized and confirmed i owed {$7.00} return postage. i received a bill in XXXX XXXX, not only had they not corrected their error, they had added yet another late fee, now the bill was XXXX.. i contacted XXXX again, they told me it was n't them it was comenity bank and i needed to speak to them. i tried to do so, but was told a lot of lies, one claiming i owed shipping and handling of {$22.00}, plus the {$7.00} return postage fee. i pointed out that i had had free shipping and even XXXX admitted i owed {$7.00}. i was not able to reason with comenity bank, i called XXXX again, and was referred to comenity bank again. then in XXXX XXXX i received a bill for {$120.00}!. mind you i had not bought anything. they just kept adding on late fees, no attempt to correct this situation on their part occurred. i kept telling them i never received any bill until XXXX XXXX, so how could i pay the postage fee before that? XXXX kept referring me to comenity bank which i attempted to reason with. i was told in XXXX and XXXX XXXX that they had no record of my account. XXXX then told me the same thing. i was unable to get anywhere with with company.. in XXXX XXXX i received a bill for over {$200.00}!!!!!!! then a letter from comenity saying to call their resolution team. that was a joke, the woman over talked me, did n't care what i had to say, i hung up in disgust. the BBB was of no help whatsoever in this matter. i filed a review of comenity bank on the BBB website. they responded with the same lies over and over, insisting i owed {$22.00}. for shipping and handling plus {$7.00} for return postage, that i had not paid my XXXX bill. i reminded them i never received a XXXX bill. they ignored that detail, so far they have sent me 2 letters reiterating their lies a they stated in response to my review. i informed them online to cease contacting me over this because its not a valid debt but an error on their part. they then sent me another letter, just like the previous one, basically saying i am lying because in THEIR phone records, no one ever told me i had no account. of course these companies lie. i refuse to pay their extortion of now over {$200.00} in late fees for {$7.00} return postage fee. this situation is ridiculous. my attempts from XXXX on to settle this were treated as me lying, and them claiming to be honest. this company needs to be shut down. i am XXXX yrs old on ss XXXX, and will not be bullied into paying comenity bank for not buying anything. i gave them notice in writing to stop harrassing me, so they promptly sent me another lying letter.
02/28/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
LA
70068
Web
On XX/XX/XXXX, I submitted a request to XXXX XXXX to reinvestigate accounts on my consumer report. I received the results of that investigation on XX/XX/XXXX.
The results of the investigation included a message that XXXX XXXX investigated the items from COMENITY BANK/VCTRSSEC, COMENITY BANK/XXXX , COMENITY BANK/WAYFAIR XXXX, COMENITYCAPITALBANK/THE and verified that they belonged to me. The items still included multiple inaccuracies and FCRA violations.
I submitted another reinvestigation request on XX/XX/XXXX in hopes of correcting the errors from the XX/XX/XXXX results. My letter included a request for the description of the reinvestigation procedure pursuant to 15 USC 1681i. I specifically asked for XXXX XXXX to provide the names, phone numbers and business addresses of each individual with whom they verified the accounts at COMENITY BANK. XXXX XXXX violated this law by refusing to provide the information as requested : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Additionally, since XXXX XXXX verified that the items belonged to me, I requested a copy of the binding agreement containing my signature and account number from COMENITY BANK for each item. XXXX XXXX completed the investigation on XX/XX/XXXX and stated again that the items were verified as belonging to me without doing a proper investigation. XXXX XXXX and COMENITY BANK failed to provide a binding agreement for the items they verified as belonging to me. XXXX XXXX and COMENITY BANK violated 15 USC 1681s-2 by reporting information with knowledge of errors. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information re
lating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Furthermore, XXXX XXXX and COMENITY BANK did not clearly note that the items were disputed. They vi
olated 15 USC 1681s-2. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement o
f a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
09/17/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CA
92705
Web
In XX/XX/XXXX, I purchased a new bicycle from XXXX. I partially used a promotional rate that was 12 months, interest free. The bank that services this is Comenity. I did not receive a statement from them until Mid-XXXX XXXX, with the first payment due by XX/XX/XXXX. I called Comenity, and asked how I could make a payment in XXXX and to set up automated payments so that I would pay 100 % of the balance off within a year. I was told at that time that I had to wait until my statement arrived before I could make a payment. As soon as the statement arrived, I started making large payments and set up automated payments through my bank. I admittedly did not read the fine print that the promotional rate expired in XXXX not XXXX even though no payment was due until XX/XX/XXXX. My XX/XX/XXXX statement email arrived and there was a HUGE interest charge for all the interest for the entire amount of the original balance. I called Comenity as well as XXXX and they were unwilling to make an adjustment even though I was willing and able to immediately pay the entire remaining balance. I believe that it was highly deceptive to 1. Have the promotional rate expire 2 months before the one year anniversary of the first statement. 2. To have 100 % of the interest due on the original balance when 85 % of the balance had been paid off before the promotional rate ended. The only place that Comenity could refer me to was a fine print section on the statement in XXXX that stated that the promotional rate would end on XX/XX/XXXX. The email notices that I received each month said nothing of this and since everything was automated, I felt no need to log in each month, download the actual statement, then read all the fine print. Upon reviewing my statements over the last year, the full statements do state that the promotional rate ends on XX/XX/XXXX beginning with the XX/XX/XXXX statement, however you must download them and read carefully to see this. I was encouraged by Comenity to " Go Paperless '' so to read this I would have had to log in, download the statements and read them each month which makes the system skew toward missing this " gotcha ''. If I had kept getting the paper statements, I would likely have caught this. The reality today is that when you set something up in paperless with automated payments, you only check in on these things periodically. I am certain that Comenity is fully aware of this and that their business plan for this is deliberate. I fully understand that I should have paid closer attention but I feel this practice takes unfair advantage of people and it should be made much more clear that 12 months does not actually mean 12 months of statements. I believe that there should have been a more direct message to me so this could have been avoided. I believe that this practice is deceptive and predatory. If they were trying to be above board, the email statement notification should have had a note with the promotional rate expiration in it. I can afford to pay this but I am afraid that many others could be caught up in this fraudulent practice and I would like to try to prevent others from falling into this trap. I believe that this is firmly the fault of Comenity. I spoke to XXXX and they are taking this up with their financial team on their end.
05/05/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NM
87124
Web
I have an account with Comenity XXXX XXXX, by virtue of a purchase I made at XXXX XXXX XXXX in XXXX ( XXXX ).
In XXXX I submitted a payment which was mailed timely and processed late. The check I submitted in payment for XXXX in the amount of {$130.00}, dated XX/XX/XXXX. That was 4 days prior to the due date. I have no image since it seems Comenitys practice is to not return negotiated checks to the bank. The next statement indicated Comenity processed the check on XX/XX/XXXX, and the transaction hit my bank on XXXX XXXX.Comenity asserts it was received late, although I mailed the payment 4 days prior to the due date which should be sufficient time from XXXX, New Mexico to XXXX XXXX , Texas. Comenity processed it two days after the due date. The transaction hit my bank 3 days later even though they assert everything is processed immediately and my bank shows an electronic transaction. I called to complain and was stonewalled.
Comeity asserts that their contract with XXXX XXXX bars making adjustments to accounts of any kind. I sent a letter to the CFO of Comenity expressing my dispute. I have also reached out to the merchant.
I submitted my XXXX payment reflecting the matter was in dispute. I received an email from Comenity that did not indicate a subject, and when I attempted to get into their web site, I could not. I sent a note to them on their contact page explaining my difficulty in logging on. No one has contacted me about this matter.
Instead I received another statement, assessing another late fee because I did not pay the additional {$5.00} minimum payment assessed in the prior bill, instead paying the regular amortization of the note at {$130.00} per month. They also assigned minimum interest ( {$2.00} on a {$5.00} difference ). With other lenders I do business with a matter in dispute is held in abeyance during the dispute. Not so with Comenity.
I identified numerous complaints against Comenity from other sources, including CFPB. My experience with them is not unique. It is evident that Comenity has no intention of resolving this matter. Indeed, their behavior is more like a loan shark.
I have submitted a complaint to the Attorney General concerning the unfair trade practices at Comenity.
I remitted a check for $ the full outstanding balance of the loan, less disputed fees and interest, and requested they close the account.
I will not be paying the late fees or interest charges. They expect me to simply believe the assertions of their staff that they process immediately. I know that Covid has disrupted operations with many organizations, and given the processing date disclosed by Comeity, and the three days the transaction took to clear my bank their assertion is suspect. Moreover, according to XXXX the USPS takes 1 3 days to deliver a first class letter. And if by chance Covid caused a delay in delivery, other entities are making allowances for these special circumstances, even the IRS. In any event, since this was a zero interest loan I suspect their intent all along was early discharge. That certainly explains their rapacious assessments.
I request that you contact Comenity and require them to discontinue their usurious practices, remove all assessed fees and interest, and close the account as I have requested.
05/27/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OR
97219
Web
I sent a bill pay to Comenity Bank for my Wayfair Credit Card on XX/XX/XXXX. My bank XXXX XXXX shows it was delivered on Thursday XX/XX/XXXX. My bill was due Sunday XX/XX/XXXX ( were they even working and collecting payments on Sunday anyway? So how can by due date be on a Sunday? ) My entire balance at the time was XXXX.
Saturday XX/XX/XXXX, I received a bill for XXXX. This included a XXXX late fee ( which was equal to my entire balance ) and a XXXX finance fee. Thus a bill of XXXX.
I call and stated there seems to be a problem. I paid my bill off with my last payment and I sent it by bill pay on XX/XX/XXXX. I call several times the on Saturday once before I could validate on my bank account online that the payment was definitely there on the XXXX. In the first call I said this can't be I sent it on XX/XX/XXXX. The person on the end said, well it was due on the XXXX and we got it on the XXXX. I said could it be that you just took too long to post it once it got there? I said with Covid-19 are you are full processing capacity?. And with this Covid-19 you don't things might not be done on time and there is no leniency? You posted on Monday the XXXX when it was due on Sunday and you work and post on Sunday? She said you the late fee is correct.I said this is XXXX ridiculous ( I admit to the curse word and I was angry as charging a bogus late fee and as much as my previous balance plus a late fee just sounds crazy to me.. ) I said close the account make sure the account is closed. I said it was there in time and I guess and hung up. I then logged on to my back and saw that that XXXX XXXX showed the payment delivered on the XXXX. So I thought wait I have proof that it was there several days before the due date.. So I called back and said I called earlier and after going round and round on the late fee, I checked and my bank it shows it was delivered on XXXX. It got there in plenty of time to post prior to it being late. I sent it on XX/XX/XXXX and my bank says XXXX business days. I said my bank shows it was there before the due date- XXXX. If you processed on Monday the XXXX ( posted ) how was it not there prior to a Monday? She said we processed when we got it and you are due the late charge. I said I sent it in time for it to arrive without being late She said we don't control the mail and it was late. I said how can that late fee be so high? You charge as much as the balance is for the late fee? That doesn't see legal. She said we charge XXXX of any balance higher than XXXX and if it is under we charge the entire balance. I said that seems a bit unethical. You charge a late fee of the entire balance? Wow that doesn't seem right at any rate. I said I have proof from my bank you got it before the due date so there is no justification of the late fee. I said I will send it in so I won't get another late fee and then do some research on my options to keeping fighting this as this is wrong, but the account is closed correct? I won't ever shop at Wayfair again. She said yes, it was closed when you called earlier. Then I hung up. And that is when I found your site. So they can just say I know what your bank says but we didn't get it? That doesn't seem right when I show it got there from my bank on XXXX. That doesn't seem right as a consumer.
06/19/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
IL
60031
Web
I made a purchase through XXXX XXXX store and they signed me up for a credit card through Comenity Bank. I made the purchase in XX/XX/XXXX. The offer I received was no interest for 18 months. The credit card split up my balance into 18 payments. I have made every single one of my payments on time, with the understanding that I will not owe interest at the end of the 18 months because I would have made all the required payments within 18 months. It is now XX/XX/XXXX, which is exactly 18 months later and I have made my final payment according to the pre-determined schedule that Comenity created for me ( they chose my payment amount ).
I am now being told that I owe {$970.00} ( see statement attached ) as a finance charge because I failed to meet the 18 month promotional period. However, I made all my payments on time according to the schedule that Comenity set out for me. When I made the purchase they took my balance and split it up by 18 and told me that all I had to do was make my payments on time. I did all that and they are now telling me that I failed to meet the requiremen. It is obvious that they intentionally set up my payment amounts such that I would fail to satisfy the 18 month period by a few weeks. When I initially signed up, XXXX told me that all I had to do was make the payments according to the schedule they set up for me.
I believe this is predatory and misleading. Comenity set up my payments in such a way that if I did everything right and made all my payments on time, I would still miss the 18 month deadline by only a few short weeks.
I called XXXX and Comenity on XX/XX/XXXX, but they refused to assist me and told me that the statements should have warned me that I would lose this promotional period. That is misleading because I was making all my payments automatically based on them being split up into 18 payments to satisfy the promotional period requirement. I made all the payments automatically on time every month. I was their ideal customer and they still took advantage of me. Neither XXXX nor Comenity assisted me on the phone. It was very difficult to reach someone. I have now paid the {$970.00} because I am very scared of having my credit score damaged. I am a responsible consumer and have never been late or missed any kind of payment.
I believe this was predatory and deceitful behavior on behalf of XXXX and Comenity. I do not want any special treatment, simply to have my {$970.00} returned by check because I was promised a 0 interest purchase experience and I satisfied all the requirements according to the XXXX and Comenity representatives. They set me up on an 18 month payment plan, but they knew I would technically miss the 18 month deadline based on the plan THEY set up for me. I could have easily made the full payment at any time, but their initial sales pitch reassured me that I would not owe interest so long as I paid pursuant to the schedule they created for me.
I believe the practices of XXXX and Comenity are a violation of the Unfair, Deceptive, or Abusive Acts or Practices law pursuant to Dodd Frank.
The store information is Comenity LLC. This site gives access to services offered by Comenity Bank.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts are issued by Comenity Bank. ( XXXX ) XXXX
10/14/2018
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
NC
28107
Web
I visited a XXXX retail store on XX/XX/18 and was ask to apply for a credit card. I applied for the credit card in house using my social and was instantly approved for {$500.00}. I received a shopping pass and was told that I would receive my permanent card in the mail. I received my welcome packet in the mail along with my credit card. I had never used the card except for once in the store for the in-store purchase I made the day of the transaction. That purchase was made for {$22.00} and some odd cents. On XX/XX/18 I visited the store activated my card and prepared to make a {$66.00} purchase because I also had a sticker on the card that said I could earn {$20.00} possibly. When I presented my card for payment I got a message of invalid account. Myself and the store associate called to hear that the account was activated. We finally got a person on the line who told me that my account had been closed. I called when I left the store to get more details and was told by a Supervisor that I was in fact extended credit on XX/XX/18 but on XX/XX/18 XXXX XXXX saw that I had too many inquires so they decided to close my account. I have had inquiries because I closed on my home several months ago and after XX/XX/18 I applied for 2 cards that were not retail cards to move one of my credit cards for a balance transfer, but all my credit accounts are in good standing and I have had a pay increase which lowered my debt to income by a few points since applying for this card. My concern is that I have worked very hard on my credit and have been monitoring it for a long time and I know that a closed account can damage my credit worthiness to other consumers. This may be the reason why I now have to prove to one of the cards that I applied for the balance transfer that I am who I say I am. Because XXXX/XXXX showed on my report as an open account back in XX/XX/XXXX because I have the update from my XXXX account and now it just shows as an inquiry with no account attached. These practices should not be allowed. I approved the look into my credit on XX/XX/18, but I did not authorize nor was I aware that they looked at my credit on XX/XX/18 and now a month later I have to pay {$22.00} for a card that I have in my possession that was closed on me by no wrong doings on part. I feel that this practice is damaging to consumers. If I was extended instant credit in the store then at that time I was worthy and this went on so long that I got a card and a statement that still did not tell me that my account was closed. This institution should be stopped. I can't believe this because I have an account with this institution through XXXX XXXX that I have held for years and has been paid off a couple of times and in good standing. I would like an in-depth look at the damage this may have caused me. I can tell you that my score has been affected 30 points which sounded crazy to me when I got the alert but now it all makes sense because it looks like I applied for 3 cards now that I did not get when in fact that is not the truth. I can also tell you that my score was only affected a few points when I opened this account because I was extended credit and I immediately got the alert from XXXX with scoring. I would like to appeal to you for assistance in this matter.
08/19/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
CA
90020
Web
On XX/XX/XXXX, I opened a Wayfair and received a line of credit of {$1500.00}. My purchase was for {$1400.00}. I purchased items on a promotional offer which was no interest until XX/XX/XXXX. Based on this offer, {$1400.00} was due to paid by the XX/XX/XXXX to avoid interest.
I had made payments each month and the minimum payments were approximately {$52.00} per month. During the time frame I had made bigger payments as well. I made my payments via XXXX online from the same account every month via bill pay. Bill pay from XXXX allows me to provide my Wayfair acct #. Once I set this up via XXXX, XXXX send the payment to Wayfair. My bill is due on the XXXX of each month. I made a payment on XX/XX/XXXX of {$100.00} via XXXX Bill pay.
On XX/XX/XXXX, I called to pay my final bill, close the account, all while avoiding interest. I called Wayfair at XXXX PST and they were closed for the day. The promotion ended XX/XX/XXXX. Then I called back on XX/XX/XXXX at approximately XXXX PST, and spoke with a female Wayfair Representative. The representative advised I could make a payment today ( XX/XX/XXXX ) and would not be charged interest. She reassured me that since XXXX was an issue, the company would be lenient, especially if done today. The representative advised that she could not take the payment and I had to go to the automated system. She couldnt transfer me, so I had to hang up and call back. I called the automated number and entered my RT # and CHK #. I received a confirmation number. The confirmation number is # XXXX XXXX XXXX. To my delight, I had closed the account with no intertest or additional payments due. I had not heard from Wayfair until XX/XX/XXXX.
On XX/XX/XXXX, I received a phone call from a female Wayfair representative advising that my account was past due in the amount of {$35.00} plus late fees which was a total of {$82.00} due. I advised her the account was closed and that a payment was made on XX/XX/XXXX. The Wayfair representative advised that XXXX informed WAYFAIR, they could not find an account that belonged to me. According to Wayfair, On XX/XX/XXXX, XXXX allegedly returned the check in the amount of {$850.00} to WAYFAIR because XXXX didnt have an account based on the numbers. The representative then asked when a payment could be made and I advised her that I would call her back.
On XX/XX/XXXX, I called XXXX and they advised there was no recent activity sent to Wayfair. The XXXX payment to close this account didnt come out of the checking acct.
On XX/XX/XXXX, I spoke to female Wayfair Presentative first and then I spoke to a male supervisor by the name of XXXX. He advised that he listened to the recoding from the automated system on XX/XX/XXXX and that I manually entered my account information incorrectly. XXXX read the incorrect numbers to me that I allegedly entered in the system but did not offer to provide the correspondence from XXXX. Wayfair reiterated the number was incorrect which is why the funds didnt go through.
XXXX advised that I should have called and that it was nothing that he could do. He offered to remove the late fees ONLY. Now I also find out, my account is no longer XXXX past due, the total bill is over {$1000.00}. This is interest from the promotional offer, the payment and late fees.
02/27/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
FL
34266
Web
Older American
On XXXX XXXX I applied for a Wayfair Account. After filling the information on the application. A page poped up XXXX XXXX XXXX you were approved for a Wayfair Credit Card! The Problem was My Name is XXXX XXXX XXXX right away I called Wayfair Credit Department explained to the man on the Phone that the name on the Account was wronge. How did that happen. He said it was an computer error. Please fax us a Copy of your license. To verify my Name & Address. Which I did within an hour. I called Wayfair an hour after I faxed A copy of my Fl License. To Verify that they received it. I was told it would take a day or two to correct the mistake. No that didn't happen. For two months, well over 10 to 15 calls I made, I even ask twice to pay the bill off which was {$220.00} and Close the Account! No I am not XXXX XXXX XXXX. I was hung up on a few times, because I wasn't XXXX XXXX XXXX. I have letters Adress to XXXX XXXX XXXX, Bills Also address to XXXX XXXX XXXX for 2 months! XXXX XXXX XXXX XX/XX/XXXX We are letting you know of Suspicious Activity on Your Account # XXXX. I told the Fraud Department Over and Over Again, until I received a Correct Card and the Correct Account information on My WayFair Account They would not get paid. I can not set up an online account until it fixed. It was until I reapplied for a Wayfair account on XX/XX/XXXX, I wasn't sure if it would work, It did!! I was told then I already had an account with Wayfair. ( At that time it was In XXXX XXXX XXXX ) The next week I finally received the letter from the Fraud Department with a referral numbered. The Letter they Promise over two months would be here a less than a week. Never received it until they were Finally Awoke by my Second Application. Then 2 days after that 2nd application on my Credit History, Wayfair Reported 2 months pass due. I don't have any pass dues on my Credit Report. My Score dropped over 40 points. I have been working so Hard over the last Six Years building my Credit. They wouldn't let me pay it off and close the account. The Problem was brought to their Fraud Department on the very 1st day of the XX/XX/XXXX application about the issue of being in Someone else name. Not once did they help right. They said after a payment is made they would refund 1 late payment not the 2 that is on the account right now. The account was in Someone else name those 2 months. They also said they were not going to remove the false information on my Credit Report. Never from day 1 has Wayfair Credit Fraud Department has been fair what so Ever. Plus not just the Credit Issue the Rocking Chair I order for My Mom for XXXX. I paid an extra {$30.00} for a Dark Grey Cushion. Well the chair was delivered, Wrong Color and Also Broken. Yeap! That been my Experience with Wayfair! It sucks 100 % They have put me though a wringer, with no Fault of Theirs. To Approve an Account in Some one else Name with my Social Security Number, I Truly Consider them Responsible 100 % The correct chair was delivered in the 1st week of XX/XX/XXXX. I won't recommend anyone to Buy or Apply at Wayfair at all. I was a nervous wreak for over 2 months. Now they added the late account to my Credit Report for two late payments on top of all the XXXX they put me though. Please Help!! Because they Won't
12/23/2021
Yes
Payday loan, title loan, or personal loan
Installment loan
Struggling to pay your loan
FL
33444
Web
Greetings, On XXXX XXXX, 2021, I consulted with XXXX XXXX about possible hair therapy. The XXXX consultant, XXXX sold me a {$4100.00} package and issued that loan under my personal credit through Comenity Capital Bank- XXXX XXXX XXXX XXXX XXXX . The minimum payment amount was originally set to be around {$150.00}, however, I adjusted it at {$200.00} as a good-faith amount to pay my account off earlier, assuming my income and situation remained the same. To date, i have only used and paid for 2 months of services ( XXXX and XXXX of 2021 totaling {$150.00} min payment/per month x 2 months= {$300.00} ). However, since I elected to pay more than minimum payment at {$200.00}, I ended up paying {$400.00} for these months.
In XXXX of 2021, I was placed in an unfortunate hardship where I would no longer be able to be seen by XXXX, and unable to make the payments. As a result of this hardship, I contacted XXXX in XXXX of 2021 to cancel my existing appointment. However, I was still charged the monthly payment of {$200.00} on XX/XX/2021. I then contacted commenity bank of the situation and requested cancel the prorated loan of {$4100.00} and to refund me the prorated difference for services i did not receive. Commenity bank advised they would un-enroll my account from autopay, however, I had to contact XXXX XXXX for them to submit the cancellation request to Commenity Bank to issue the prorated refund. I was also advised by another XXXX office in order to cancel my membership, all i had to do was mail a written cancellation request to XXXX 's mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX, which I did on or about XXXX XXXX, 2021.
I then contacted XXXX XXXX to request for a prorated refund and cancellation, in which i spoke to a gentlemen who advised that he was unfamiliar with the cancellation process and advised I call back later. I contacted Commenity Bank again to check on the status of my refund/cancellation from XXXX, in which Commenity bank advised they still did not see the cancellation request from XXXX. Thus, I filed a dispute through Commenity Bank to launch an investigation against XXXX. On XX/XX/2021, I finally got a hold of XXXX XXXX 's manager- XXXX to check on the status of my cancellation request. During this phone call, I was put on hold, had the phone disconnected where I had to call back multiple times and was given the run around.
Upon calling back again about my cancellation request, I was eventually transferred to XXXX, who advised that she will put in the cancellation request, for me to expect a phone call back from her within 24 hours confirming the cancellation, and for me to continue making the monthly payments. I asked her why am I supposed to continue making payments on something that is being canceled?
It has now been over 1 week since XXXX of XXXX XXXX was supposed to call me to confirm my cancellation request-but still hasn't. I again contacted Commenity bank who, contrary to XXXX 's advice, advised that I did not have to make any payments during the dispute process. However, i continue to receive payment reminders that my payment is due! I feel that i was swindled into a deceptive contract with no way out besides consulting with a 3rd legal party. Please help!
05/18/2021
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
NY
12206
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXXXXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : XXXX XXXX P. O. Box XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
05/03/2021
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
NY
11367
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : COMENITY CAPITALBANK/THE XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
09/09/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
OK
73099
Web
Dear Sir/Madam, Since XX/XX/XXXX Ive notified Comenity Capital Bank to dispute a billing error in the amount of {$170.00} on my XXXX XXXX Credit Card Account.
The XXXX credit card amount of {$170.00} is inaccurate because : On XX/XX/XXXX I was prompted by the XXXX XXXX Store # XXXX Cashier to apply for a credit card now for an additional savings on your purchases! The Cashier assured me I could immediately open an XXXX Credit Card Account and pay for my purchases of {$170.00}, and then IMMEDIATELY pay for my purchases on my XXXX XXXX XXXX debit card XXXX for the purchase of {$170.00} which was done, per enclosed bank statement, XX/XX/XXXX transaction amount = {$170.00}.
On or about XX/XX/XXXX I was shocked to receive an XXXX Credit Card XXXX for the amount of {$170.00}. I immediately called Comenity Capitol Bank at XXXX and reported this error to XXXX at Comenity Capital Bank. XXXX additionally recommended I report this billing error via the Comenity Capital Bank website, which I did, and mailed Comenity a copy of my XXXX XXXX XXXX Statement depicting the puechase of {$170.00} on my XXXX XXXX XXXX Debit Card.
On or about XX/XX/XXXX, I received a letter from Comenity Capital Bank requesting a I provide them with the electronic transmittal inquiry form along with the full payee information and the credit card account number from my bank for the {$170.00} transaction.
On XX/XX/XXXX Ms. XXXX XXXX, XXXX XXXX XXXX Relationship Manager in XXXX, OK provided the attached letter that contained the itemized data of the {$170.00} transaction. This information was immediately mailed to Commenity Capital Bank at XXXX. XXXX XXXX, XXXX, OH XXXX On XX/XX/XXXX I received a letter from Comenity Capital Bank stating We are unable to track your payment with this informationand requested I provide them with " a clear copy of store receipt ''.
As I reported to XXXX at Comenity on XX/XX/XXXX when I initially reported this billing error : My XXXX receipt was disgarded as I believed I had any reason to keep it.
To concluded : 1 ) My XXXX XXXX XXXX Back statements from XX/XX/XXXX through XX/XX/XXXX, for my XXXX XXXX XXXX debit account number XXXX, clearly depicts the amount of {$170.00} was paid to XXXX XXXX store # XXXX in XXXX, OK on XX/XX/XXXX.
2 ) XXXX XXXX XXXX XXXX from Ms. XXXX XXXX further confirms this debit card transaction and includes the following transaction information for the amount of {$170.00} debit card transaction : date/time of transaction ; Account Number From, Authorization Type, Terminal ID, Terminal Address, Terminal City, Terminal State, Sequence Number, and Debit Card Expiration Date, for debit card number XXXX.
XXXX XXXX + XXXX Credit Card statements which depict {$170.00} charged to credit card account number XXXX. ( Statements depict due dates of XX/XX/XXXX and XX/XX/XXXX. ) I have provided Comenity Capital Bank with my XXXX XXXX XXXX bank statements and XXXX XXXX XXXX Letter confirming the {$170.00} transaction -- -and Comenity Capital Bank steadfastly refuses to credit my XXXX Credit Card for this billing error. Can the Consumer Financial Bureau please help me?
Any assistance would be sincerely appreciated. Thank-you so much, -XXXX XXXX , XXXX XXXX XXXX , XXXX , OK XXXX
10/10/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
MD
20876
Web
XXXX XXXX approved me with store credit card by XXXX. XXXX XXXX reward system is false advertisement regarding to the reward point system. I contact XXXX XXXX with this concern since XXXX however XXXX sent a letter to CFPB and I claiming they would straighten this matter out within 90 days however they proceed with the corrupt reward system which is fraudulent regarding to my purchases. On XX/XX/XXXX, XXXX XXXX responded to the complaint that their dispute investigations may take up to 90 days to complete, and notification of the outcome will be sent by mail once the investigation has concluded, they are trying to be deceptive with their practices. Its my belief that they are trying to scam me because they are charging me monthly for payment however they are not correcting their fraudulent reward system.
I am filing with DOJ, FTC and consumer protection and legal options. I am sending a copy of this letter to my Congressman, this is a possible scam, also. All my complaints with CFPB will be added to agencies and the court for legal options, also. I believe XXXX XXXX is stalling because they are discriminating against me due to my race and XXXX, no bank take 90 days and collect a monthly fee with trying to cover up their deceptive practices. XXXX XXXX Account manager incompetecy and retaliation ( because I filed a complaint ) should not be hidden behind deceptive practices. CFPB and XXXX XXXX is not working to correct the issue with my reward points.
I refuse to order until they correct this problem with the reward system which is fraudulent. I am dropping this case because the matter isnt correct however fraudulent. This reward system needs to be investigated and reported.
XXXX reward system is wrong and incorrect ( see attached ) XX/XX/XXXX XXXX points XXXX XXXX gave me {$30.00} rewards I never used ( See Attached ) I had XXXX points XX/XX/XXXX XXXX XXXX correct it by decreasing my points to XXXX ( then XXXX decrease my rewards for no reason taking away XXXX reward points XX/XX/XXXX I was sent an email by XXXX XXXX that my points were adjusted to XXXX ( See Attached ) XX/XX/XXXX XXXX points and the return XXXX points XX/XX/XXXX I earned another XXXX points because of my purchase.
XX/XX/XXXX XXXX XXXX sent me another rewards {$30.00} My rewards points should have been XXXX points and I shouldve been sent {$40.00} rewards certificate on XX/XX/XXXX not a {$30.00} rewards certificate which is fraudulent against their own policies. I will have to file with the court system and contact a lawyer if they refuse to correct which is causing me distress and anxiety as I am XXXX person who is diagnosed as such and as an XXXX XXXX discriminating against my civil rights. The violation of the Credit Card Accountability Responsibility and Disclosure Act ( or Credit CARD Act ) was passed by the United States Congress in XXXX, expanding on the Truth in Lending Act, and took effect in XXXX. Its purpose was to curtail deceptive and abusive practices by credit card issuers.
Attached Emails from XXXX XXXX my rewards XXXX XXXX XXXX rewards points breakdown XXXX XXXX sent me first rewards for {$30.00} Three credit reporting agencies DOJ/Congressman NAACP Consumer Protection from Scam Investigative Media Court/Legal
06/19/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
UT
84738
Web
I opened an XXXX store credit card by XXXX in XX/XX/XXXX. I made one charge to XXXX and paid it off in XX/XX/XXXX.
On XX/XX/XXXX a charge occurred on this account for {$21.00} which I did not authorize and was unaware of.
I opted out of paper statements and never received any email communication or statement from them.
XXXX charged me a late fee in XXXX and then another late fee in XXXX, XXXX. After checking my credit, I became aware of the charge and late fees in XX/XX/XXXX, I called XXXX to discuss the fraudulent charge and fees and the fact that I never authorized the charge etc., they removed one of the late fees but told me that they could not remove the negative report on my credit. They would not remove the initial unauthorized charge and I paid the amount to keep it from accruing additional fees and interest. The account was reported to the credit bureau as 30 days late several times. I asked them at that time to close the account upon receipt of my payment for the unauthorized charge and late fee. This did not happen.
Also in XX/XX/XXXX, XXXX began charging me a {$2.00} ( " minimum charge '' ) without my knowledge. I was charged the same fee in XXXX as well. When asked about this fee during my call to them in XXXX, they stated the fee was because I had a XXXX ( XXXX ) balance on the account. I paid those fees in XXXX as well to avoid further problems.
I was charged again XX/XX/XXXX, and then charged a late fee of {$2.00} and then another " minimum charge '' of {$2.00} in XX/XX/XXXX. In XXXX, upon finding out that the account was still open and I was being charged fraudulently AGAIN, I paid the {$6.00} to avoid any further issues with my credit, called them to inquire about the charges and fees and requested -- DEMANDED -- AGAIN that they close the account.
I do not receive paper statements or digital communications from them for this account AT ALL and assumed ( as I should not have ) that the account was closed as requested.
Upon getting turned down for a credit purchase in XX/XX/XXXX, I checked my credit report and noted that this account WAS NOT CLOSED and was in fact still open and that an ANOTHER fraudulent charge was charged to my account in XX/XX/XXXX and my account had accrued more late fees.
I have reported in writing to XXXX that the new charge again is unauthorized, and is in fact fraudulent, the account should have been closed. They responded today, XX/XX/XXXX, that they JUST NOW closed the account and refuse to look into the unauthorized charge and will not refund the late fee.
I have several store cards through XXXX and have impeccable credit with them, I have paid on time and have not had issues with any card or service like I have with this card.
This account has not only ruined my credit but has caused me to pay fees that I do not owe just to keep from ruining my credit further. They have not communicated with me properly, refused to close the account as requested, refused to properly review the account upon the report of unauthorized charges and finally have reported inappropriately to the credit bureaus.
I am now afraid that requesting to close this account with the unauthorized charge outstanding is going to cause additional harm to my credit.
PLEASE HELP!
01/28/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
10001
Web
Comenity Bank, which administers the Sony Visa card, has engaged in a pattern of bad faith behavior, beginning in XX/XX/XXXX and continuing into XXXX, regarding chargeback disputes I filed against XXXX merchants as a result of travel services not provided during the pandemic. Among other things, they ( 1 ) falsely claimed I didnt file supporting documentation when I filed it immediately via secure email and their customer service supervisors repeatedly confirmed all documentation was received ; ( 2 ) repeatedly closed my disputes right after asking for documentation already received, allowing no time to actually receive any documentation ; ( 3 ) repeatedly failed to notify me that they had closed those disputes ( I only discovered these closings when I called in to ask about other issues, such as part of my provisional credit not being applied for several weeks ) ; ( 4 ) gave me wrong and misleading information on secure email and over the phone ; ( 5 ) in their denials, made conclusions that willfully disregarded evidence I had provided to them ; ( 6 ) refused to correct these false statements contrary to the facts ; ( 7 ) whenever I pointed out these untruthful things, they would reopen a new dispute and give themselves XXXX additional days to consider new evidence that was just my pointing out their conclusions were the opposite of what my previously submitted evidence proved ; ( 8 ) then did not actually reconsider the evidence that was contrary to their false conclusions ; ( 9 ) but may have lied to the Consumer Finance Protection Bureau by saying they needed 60 days to investigate, even though they had just closed the last investigation by saying there was no evidence that they needed to investigate ; ( 10 ) made a mockery of the Consumer Finance Protection Bureau complaint process by responding, at the end of 60 days, that they had resolved my complaints about their dispute process by giving themselves another set of 90 days to investigate the dispute ; and ( 11 ) may have wrongfully reported to credit agencies that I lost XXXX of my disputes even though the merchant voluntarily refunded me right before Comenity denied the dispute as a valid charge.
Due to the countless instances of bad behavior by Comenity over multiple years, I have had to describe them in a XXXX attachment to this complaint. There are additional supporting documents attached, including my XXXX and XXXX emails with the merchant, and documents and emails submitted to Comenity in those years. I have numbered the attachments 0-6, and recommend you read them in that order.
The CFPB told me it only helps consumers get a response, but does not judge whether the response is wrong or unfair. It suggested that I file a complaint with the FDIC, which regulates Comenity. However, the FDIC told me that because Comenity had more than {$10.00} XXXX in assets in XXXX, it didn't have regulatory authority over Comenity, and that the CFPB has regulatory authority over Comenity. But the CFPB says it has no enforcement authority over anyone, and it only serves as a vehicle/guide for the consumer to get any kind of response. This unfortunately means that no one is regulating Comenity at this time, to prevent its bad faith practices.
10/16/2018
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
FL
33782
Web
Servicemember
I had fallen behind on payments to my XXXX store credit card, issued by XXXX XXXX. I called XXXX XXXX in the third week of XX/XX/2018 to arrange for an automatic payment to come out of my checking account and apply as a payment on my XXXX account. I was told by the customer service agent at XXXX XXXX that the amount of {$87.00} would be taken electronically out of my checking account on XX/XX/2018 and applied to my XXXX account. I was told that this payment would reage the account and that I could start making the minimum or more in payments on the account starting on the XX/XX/2018. The money was taken from my checking account automatically, as agreed upon, and applied to my XXXX account. Since making the initial phone call in XXXX, I have been receiving a text every other day and 5 to 10 phone calls a day from XXXX XXXX regarding my account. A voicemail from a representative of XXXX XXXX was left on XX/XX/2018 from number XXXX ( XXXX ) XXXX ext. XXXX. The voicemail stated that I was " deliberately ignoring the problem of my overdue account '' and " demanded to get my attorney 's name and number because I was going to need it due to the drastic action she was going to take against me. '' She never stated she was from the collections department, mentioned the payment agreement in my file or said she was from a third party collections agency. I recieved another phone call today ( XX/XX/2018 ) around XXXX from XXXX XXXX and they told me that my account was past due and that it needed to be brought up to date. I explained about the payment agreement put in place by them in XX/XX/2018 and she said that " she had no idea how someone came to that number ( the {$87.00} to reestablish my account in good standing ), that it wouldn't reage the account and that the payment didn't count. '' I told her that another representative had left a voicemail demanding the name and number of my attorney because they were going to take legal action against me and that I was ignoring my responsibilities, when I clearly wasn't as evidenced by my payment on XX/XX/2018. The representative scoffed and said that " the voicemail didn't day that and if the other representative asked for my lawyer 's information it was because I had told them I was going through a bankruptcy '' which I told her was not the case. She accused me of lying to her and to " pay the bank nearly {$200.00} today with her over the phone or she was going to make sure it got taken care of, '' which was even more menacing than the voicemail. I couldn't believe she said that so I told her " goodbye '' and hung up the phone. In a nutshell, I fell behind by 2 months on a XXXX credit card issued by XXXX XXXX, called and made arrangements in XX/XX/2018 to make an automatic payment of {$87.00} towards reaching and bringing my account current and would be making another regular monthly payment on the XX/XX/2018. The payment was made, my account was credited but I have since been harassed by 5 to 20 phone calls a day, terrorized with the threat of a lawsuit, calked a liar, been told that my arrangement with them in XX/XX/2018 was invalid and that unless I paid them more money that drastic action would be taken against me. I need help badly.
07/19/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
10550
Web
I have spoken to your agents that call me every other month and tell them the bills are not received. They all say they will note my records and never do. I spoke with a representative in the late summer or early fall of last year who settled my account, why on earth would I make a larger payment then required if it was not to settle my account. I didnt even receive the merchandise from XXXX which was billed to my account which should have been credited. I havent used these accounts in over 3 years. All of the charges are finance charges and late fees for bills that were never sent. You are purposefully with holding my billing statements and then have you agents call me once the account is past due to request payment ; after you have charged me a late fee and finance charge they call every other month exactly .. With such a poor payment history you would have thought this account would have been closed but no this bank keeps it open to charge additional fees. You are not following a good business practice and are ripping off your customers. I want these accounts settled and with a XXXX balance on both. I want the late payment history charges to be removed, especially since you never sent a bill and research the calls from 2017 the representative called me multiple times it wasnt just one call. Please send me a copy of the call when she took my payment. Also strange enough after I filed my 1st complaint the text alerts that I had set up with the account started again after over 3 years I got a text about my account. I never requested to be placed on a do not call list and if I didnt want to pay my bills I wouldnt have allowed you to record my account information. This company has violated laws and all I am requesting is the charges be removed and my credit to be restored, Instead I am receiving cookie cutter response and no real facts, If they fail to act I will file a complaint with the XXXX XXXX XXXX Treasury Department 's Office of the Comptroller of the Currency, Federal Reserve, State Attorney General 's Office and the Federal Trade Commission 's Division of Credit Practices. I will complain to everyone about this business practices until the matter is resolved. Please take my complaint seriously because I sure am. I have filed a complaint with the XXXX XXXX XXXX XXXX Ohio to which you responded that you would contact me directly and work things out - at the beginning of XXXX - which was a lie - no one has contacted me to date. Now you lie and say that you dont send text messages ... messages that I always received before paying off my account that has now mysteriously restarted - A copy of the text is closed it identifies the back and which credit card account. I have asked for copies of these recorded calls you mentioned and have not been provided with that as well. I went to the post office and they advised there is no way for them to track the date of mail delivered. So either the person or people that are responding to this complaint are misinformed or complete liars. I have copies of every complaint and will forward to your corporate offices with my proof and recorded calls I want this matter to be resolved I have spent more than enough time on this matter.
03/01/2019
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
CA
90714
Web
I have several credit cards with XXXX XXXX. This is my first time EVER be past due for the XX/XX/2019 payment. I started receiving call from XXXX XXXX starting on Friday - XX/XX/2019 at XXXX ( pst ). I explained to the representative that unfortunately my mother passed away and I need time to make a payment. The representative was so rude, she said but that does not give you an excuse not to make the payment. I was so irritated and told her, up until now I have NEVER been late on my payments. She said it does not matter. I hung up. Within 20 minutes, I received another call from XXXX XXXX and this representative asked me the same question about my past due account and when will I make a payment. I told him I just talked to a representative 20 minutes okay, he said, oh well, no record. I told him again about my mother passing, he said, so will you make the payment today or on what date, totally ignoring what I had said. I hung up. Since XX/XX/XXXX, from XXXX ( pst ) until XXXX ( pst ), every day, I receive OVER 20 calls, sometimes 5 calls within 20 minutes, including hang ups when I am at work and forward to my voicemail, as well as at least 15 voicemails, from XXXX XXXX calling from either restricted number, or ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. I understand owe a XX/XX/2019 payment. But to call me over 20 times a day, sometimes calls in 20 minutes, totally disregard what I am saying, although the website for my credit card payment says to call and they will help if I am having trouble making a payment. Both representatives I have spoken too, including two today-XXXX, which while I was on the phone with one representative from XXXX, another call came in, I answered, it was another representative asking me the same thing - payment. When I told her that I was on the phone with another representative from her company, asking her to please make a note, she said fine. Asked me when will I make a payment, explained again my mother passed so I just need a moment to get things together, she said, oh well, so the payment will be today or??. I asked her did she hear what I said, told her she was rude and insensitive, she said oh well and said have a nice day and she hung up. Within 5 minutes, I received 4 calls from XXXX XXXX. My mother just passed on Thursday-XXXX XXXX. I just need a moment to get things together. Again, I have NEVER been late at all. As I have been writing this to you today - XX/XX/XXXX, starting at XXXX ( pst ), XXXX XXXX has already called me 6 more times. Today, that makes 20 times of them calling me already. Please help..this is just really beyond harassment and a very difficult time in my life. Their website says to call for assistance, but NONE of the representatives listened to anything about my mother passing. They totally were rude and insensitive. One representatives even had the nerve to say sorry for you and your family and then said so you will be making the payment today? All these phone calls while I am at work and filling up my voicemail, and continuing to call within sometimes 5 minutes of the previous call, again, already 20 calls today, is beyond harassment. PLEASE HELP!!
04/12/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
VA
23220
Web
Dear Sir or Madam, I bought a diamond ring on XX/XX/XXXX at the XXXX XXXX XXXX XXXX and was set up on a 12 month promotional finance program through Comenity Bank for 1year. The sales person at XXXX assured me that 12 installments according to Comenity`s payment plan was all I needed to pay off the balance with no interest. He did not give me any paper contract to sign. I got the card for the account about a week later and was directed to Comenity-XXXX web page with a payment plan set up for me. Their web page displayed the whole payment plan suggested by Comentity stating that the first bill was due on XX/XX/XXXX and the last bill was due on XX/XX/XXXX. There were 12 total payments displayed. The first bill was due on XX/XX/XXXX. However, at Comenity- XXXX XXXX XXXX XXXX they trigger the promotional balance to expire on the actual day the year ends and NOT on the day of the last scheduled payment. After the balance was paid off on XX/XX/XXXX they charged me {$880.00} in finance charges. They set you up on a payment plan that will not fulfill the requirements of the plan. So then you get hit with a huge bill as soon as you pay off the balance. They could have easily helped me avoid this problem by having my first bill be due on XX/XX/XXXX instead of XXXX, or they could have divided my payments by 11. They could have used their text message informational system and/or display the actual expiration date of the promotional finance program on the web page where the payment plan is. It is obvious a border line illegal, a scam like practice that they use to benefit their profits. This is unfair and unacceptable. This caused me get charged the interest on the card even though I had an automatic payment coming and was religiously following the plan. Their claim is that they informed me by putting some text in a lightly brown ( they call it red ) box on my paperless statement. This isn't good enough because the entire point of the automatic payments is I don't need to micromanage this account. For this to have ever worked I would have had to change the default billing date by knowing their system was flawed. Besides their e-statements designed in the way that they display a minimum due, a due date and a current balance carefully avoiding any information about accrued interest and actual expiration date of promotion. Once a customer sees an e-statement he/she is guided by the remaining balance, then clicks on the make a payment and directed straight to the page with the payment plan to actually make a payment. It is another trick of their deceptive practices. On top of that, they did not give me any paper contract to sign in the store, nor am I able to locate my contract on their web page. I am a full-time mother of XXXX young kids and I do not expect a stab in the back here in the USA where we value honest and responsible businesses that we trust.
Thank you.
P.S. Attached you will see their web page as it looked when I was making payments. The next screen shot displays the same page with " the interest charges ''. It was updated just recently. It clearly shows that they charged me " late '' fees before the last default automatic payment scheduled by Comenity was due.
01/07/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
PA
19120
Web
XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. hereinafter called " alleged lenders '' claims that they lent their money to me. Alleged lender claimed to me that the alleged lender would charge interest as compensation for lending me the alleged lender 's money. Financial institution 's CPA audit opinions claim that financial institutions involved in issuing alleged loans or loans follow Generally Accepted Accounting Principles, GAAP. There is a dispute regarding who loaned what to whom regarding the alleged loan. The alleged lender claims that they lent me their money. The alleged lender claims that the alleged lender has loan papers with the affiant 's name on it as evidence of a debt. The bookkeeping entries show the opposite and that the affiant was the lender and that the alleged lender was the borrower : According to GAAP, this is what happened : the alleged lender and financial institution involved in the alleged loan never lent one cent to the affiant as adequate consideration to purchase the affiant 's promissory note. The affiant first became the lender to the alleged lender and the alleged lender was the borrower. According to GAAP, the bank recorded the promissory note as a bank asset offset by a bank liability. The promissory note was recorded as a bank asset in exchange for credits in the affiant 's transaction account or to give value to a check or similar instrument. The matching principle in GAAP requires that there be a matching liability offsetting the promissory note recorded as an asset and that the liability shows that the bank/alleged lender owes the alleged borrower money for the promissory note that was lent to the bank or alleged lender. The promissory note was deposited in a similar manner as cash is deposited into a checking account. Depositing cash or a promissory note into a checking account or a transaction account is the same or similar to loaning the alleged lender the cash or promissory note. According to GAAP, the promissory note was deposited as a bank asset offset by a bank liability with the bank liability showing that the alleged lender owed the affiant money for the promissory note that was received from the affiant and deposited. When the bank deposited the promissory note and credited the affiant 's transaction account, the alleged lender, the one who claims they own the promissory note, recorded a loan from the affiant to the alleged lender, making the affiant the lender and the alleged lender the borrower. The alleged lender returned the equivalent in equal value of the loan to XXXX XXXX, the lender per GAAP. When the money was repaid to XXXX XXXX, the true lender per GAAP, the alleged lender claimed that the repaid money was a loan to a borrower named XXXX XXXX XXXX and ignored the bookkeeping entries which proved the money trail of who lent what to whom. The alleged lender claims to be the lender using a promissory note to claim they lent money to the affiant but GAAP shows that the opposite happened. The alleged lender did the opposite of what the affiant, XXXX XXXX understood and believed was to happen, creating an economic effect similar to stealing, counterfeiting and swindling against the affiant, XXXX XXXX
07/18/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
VA
22304
Web
In XXXX of XXXX, I ordered a sweatsuit top from Victorias Secret for {$62.00}. During this time I also requested that my due date be moved to later in the month due to unsteady pay during the pandemic in which the request was granted. I was told by a representative that I didnt need to make another payment until XX/XX/XXXX. My XX/XX/XXXX Victorias Secret Comenity Bank account statement reflects this change.
On XX/XX/XXXX, I made a payment of {$150.00}. This payment covered the balance of {$62.00} for the sweatshirt ordered in XX/XX/XXXX, plus purchases made on XX/XX/XXXX in the amount of {$57.00} and {$36.00}. These three purchases total {$150.00} plus the {$2.00} interest fee which equals {$150.00}. XXXX payment was covered in full with this payment of {$150.00} made on XX/XX/XXXX.
On XX/XX/XXXX, XXXX separate purchases were billed to my VS Credit card : One purchase for {$56.00} and another for {$64.00} which was a pair of sweatpants ordered in XX/XX/XXXX but were on back order and were billed on XX/XX/XXXX. The sum of these charges were {$120.00}. I did not receive the bill for these purchases until early XX/XX/XXXX. I began receiving collections calls at the beginning of XX/XX/XXXX, prompting me to make a payment of {$56.00} on XX/XX/XXXX. This left a balance of {$64.00}. The sweatpants that cost {$64.00} billed XX/XX/XXXX never arrived and the charge was refunded on XX/XX/XXXX. I contacted Victorias Secret in XXXX and XX/XX/XXXX expressing issues with my order including the pants that cost {$64.00} that Id been billed for that were never received. I was under the understanding, after speaking with multiple Victorias Secret customer service reps, that these purchases would be reflected on the next bill. I did not receive that bill until early XX/XX/XXXX. On XX/XX/XXXX I made a purchase for {$100.00} and {$62.00} which is a sum total of {$160.00}. There were finance charges applied to the account in the amount of {$2.00}. This totals {$160.00}. I made a payment of {$170.00} on XX/XX/XXXX, leaving me with a credit of {$2.00}. I was charged a late fee of {$29.00} from the XX/XX/XXXX bill that I didnt receive until XX/XX/XXXX. Although I dispute this {$29.00} fee, if applied, I would have owed {$26.00}. A pair of blue legging pants that cost {$25.00} from the order placed on XX/XX/XXXX had a hole in the XXXX. Victorias Secret mailed out the same blue legging pants which also had a hole in the XXXX. I contacted VIctorias Secret customer service regarding this and I was told that Id be refunded for the pants. If I did indeed owe Victoria Secret anything, it would be {$1.00}. I dispute that {$29.00} late fee which means that am owed a credit of {$27.00}. Victorias Secret has sent me a XXXX bill with a debt owed of {$30.00} which I dispute. A {$2.00} finance fee has also been added to the XXXX bill which I dispute. I have called multiple times to Victorias Secret Customer Service and Comenity bank to dispute this bill, and each representative maintains that I owe the {$30.00}. This bill is due XX/XX/XXXX and needs to be rectified. I do not owe Victorias Secret {$30.00}. At most, if I owe them anything, it would be {$1.00}. I maintain that I am owed {$27.00}.
06/26/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
FL
33435
Web
In XXXX of this year I shopped for my child at a store called XXXX XXXX XXXX. The cashier offered me a discount for getting a credit card and I accepted and opened an account. I spent approximately {$120.00} When I was speaking to my mortgage broker recently because I am buying a house he told me I had a late payment reported on my account by Comenity Bank for XXXX XXXX XXXX and that I no longer qualified for a mortgage. I never received a bill or a phone call from Comenity. I have had many two other accounts with Comenity ( Victorias Secret and XXXX XXXX ) and they have all been paid timely. I have excellent credit, am an XXXX with a XXXX figure salary and pay all of my bills on time. I would never have risked my credit for {$120.00}. Not one follow up call or letter was received.
I called Comenity approximately two weeks the moment I became aware and paid my bill on the spot and explained what happened. They said they would issue a letter making the correction and that it would take a week. As of last Friday XX/XX/XXXX I hadnt received it. I called again and spoke to someone and a supervisor who said that the letter hadnt been mailed yet and who offered to email the letter. When I was finally able to receive and open the letter from Comenity it made no mention of the error and was a basic letter simply saying the account being paid in full, which is not what is needed to clear my credit or to give to my mortgage broker so I can move forward with the purchase of my home. When I called again Comenity stayed they saw another letter in my file that spoke to what I needed and they offered to email the other letter to me. That was also last Friday. I never received it. I called again yesterday morning. The person I spoke to said they were sending it by email again and that I would have it that day. I never received it. I called this morning and the person I spoke to said I would have it in ten minutes and I never received it. I called this afternoon again and the person I talked to said he didnt see any letter to that effect so I asked for a supervisor who said it was never sent electronically but it was sent by mail 3 days ago ( even though two people in the past two days stated they had sent it electronically in the presence of my husband and children as I was on speaker phone ). The last person, the supervisor I spoke to, said it could take up to 24 hours to receive the letter electronically and that there was nothing he can do. I attempted to call comenity consumer protection. I called their cosset dept and the person I spoke to was kind but told me that there is no place to verbally report or to electronically report an issue. They have no consumer protection dept that can be contacted. The only thing they gave me was a P.O. Box and corporate address to comenitys customer service and told me to write a letter. That doesnt resolve my issue in a timely manner and puts me at risk of losing this home. I have never been given the run around by a bank or credit card company. I cant believe that companies like this exist out there. Its really horrible that nobody really cared about the loss of the home and that they gave me the run around so many times.
02/28/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Unable to get your credit report or credit score
Other problem getting your report or credit score
TX
76567
Web
My name is XXXX XXXX. I am trying to get a home loan through XXXX XXXX XXXX XXXX XXXX. This process started back on XX/XX/XXXX. I have been working with XXXX XXXX. Application was filled out and returned to XXXX XX/XX/XXXX. She uses XXXX XXXX, XXXX to run her clients credit reports. She has requested from all XXXX bureaus, XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received an email, attached, stating that there was an issue with XXXX reporting my credit. I was asked to call them and see if if I could clear it up. I did, first call to XXXX was on XX/XX/XXXX I was told they had no record for me. They asked if I had any open accounts. I said, yes. I have a Victoria 's Secret credit card and a car loan with my dad through XXXX XXXX XXXX. I was told to call them and ask f they report to Equifax.
I then called XXXX XXXX XXXX and they told me they reported monthly to all XXXX bureaus. They also verified I have been with them since XXXX.
This is still XX/XX/XXXX, I then called XXXX back, and got the same story.
On XX/XX/XXXX XXXX emailed again trying to call and see if a conference call between me, XXXX XXXX XXXX, and XXXX could be made. I called to initiate that myself and No, I can not. XXXX will not call XXXX and XXXX will not call XXXX. So how do you make a conference call?
On XX/XX/XXXX, XXXX emailed again to explain the issue a little further with me. The report from XXXX should read FICO not available, no recently reported account information. Mine reads, Information from your inquiry has been identified as fraudulent or misused. Attaching it as well. I called XXXX again on XX/XX/XXXX and they told me to fax my SS and DL and I did. I called 48 hours later and they had not received it I faxed it again on Monday, XX/XX/XXXX. Still does not have it.
On XX/XX/XXXX, XXXX gave me a credit monitoring site to register on and get my report and send to her. Attached as well. XXXX portion is blank. My creditors is reported on XXXX and XXXX and is the reports she pulled.
On XX/XX/XXXX, XXXX reached out to her credit repair specialists contacts, trying to find a resolution. XXXX XXXX, with XXXX XXXX XXXX XXXX, said it sounded to him to be an XXXX issue and he was checking with FCRA attorneys to find a solution.
On XX/XX/XXXX, XXXX sent an email asking me to reach out to my creditors and get a letter from them stating they report on a monthly basis to XXXX so we could forward it to XXXX. I contacted XXXX XXXX XXXX and XXXX XXXX XXXX. Neither creditor is willing to give a letter stating as such. However, verbally they told me : XXXX XXXX XXXX had last reported my credit on to ALL XXXX bureaus. XXXX XXXX XXXX reports to ALL XXXX bureaus on the 15th every month.
So, this brings me to today, XXXX XXXX. I received a call from XXXX, that pretty much says I am STUCK until XXXX shows something for me in their reporting. He advised me to report as I am doing now with the CFPB and now I'll will do the same on XXXX website.
I am asking for some kind of help. I need to find out why my credit is not reporting on XXXX, so I can continue with my home loan and any other future endeavor I may take on. I am getting no where with XXXX or my creditors.
XXXX XXXX
10/20/2018
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
IL
60010
Web
On XX/XX/2018 I got an email saying my online application is approved from some XXXX XXXX XXXX. I was busy and thought it was one of those credit card offers and reported spam and deleted the email. Later on on XX/XX/XXXX XXXX XXXX that monitors customer 's accounts sent me an alert saying that a new credit card has been opened with my name. I contacted this comapny on XX/XX/XXXX morning and they said they would register fraud and sent it to their fraud department. They also told me that the online orders placed on XX/XX/XXXX morning will be cancelled. None of this was done and it was merely started as an investigation. Of course the bank that handles credit cards for this retailer did start a fraud investigation and said they would take 90 days to complete it. Meanwhile, on XX/XX/XXXX a box of clothes arrives with my first name, and my ex husband 's last name, this is because that is one of the names reported and registered on my credit report. The phone number is a number we had for a home we owned and sold. That is a disconnected number. On XX/XX/XXXX I get the store credit card to my house address and it has my first name, the first initial of my legal last name as the middle intial, and my ex husband 's last name. I have never used that name before any time in my life. In fact I never changed my name legally to my ex 's last name. I have always gone by my given maiden name as my last name. The order was placed for XXXX . The bank that started the fraud investigation said I do not have to pay for anything and that that credit card has been locked and froze. This has caused a great headache for me, since I ahve had to open disputes, freeze my credit report, make tons of phone calls and has caused severe emotional distress and worry. I filed a police report, filed a report with IC3.gov, FTC.gov and contacted all three credit reporting agencies, I still have to make sure all the agencies deal with the fraud account, remove it from my report, and a fraud alert has been placed. through XXXX I found out that this bank XXXX XXXX actually did a soft inquiry for promotional offers of credit. So they used a combination of things on my report, my own address, and basically approved an actual credit card in that name, placed two online orders for two items 3 white women 's blouses and 5 black blouses and shipped next day delivery by XXXX. I am not really sure if the clothing company did this, or truly an identity thief got my information and did this. XXXX XXXX is investigating and a fraud investigator has been assigned. The equifax report shows it as a promotional offer of credit inquiry. If so, why would an actual credit card be mailed to my address. An invoice for the items was included too. I do not want any clothing from this company, I do not want any credit cards from this company or bank. So why am I getting one. I have filed identity theft reports too. I will be securing the police report too soon. I am fed up with these credit offers and such practices. I wish to get a fair resolution and the fraudulent account that still shows as open on my credit reports to be closed and the credit card closed without any charges and fees applicable to me.
02/14/2019
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
TN
37922
Web
Shopping XXXX for a chair, go to checkout and youre pre-approved, 0 % for 12 mos.. I apply, more time is necessary to process. Receive a letter declining my XXXX credit ( Comenity XXXX/Comenity Capital ) XX/XX/19. However, receive credit acceptance letter From Comenity/XXXX XX/XX/19 with {$2500.00} limit and then the account is closed the same day on XX/XX/19. Comenity Bank/Comenity Capital is the name you dont want to forget and dont want to do business with. The irony here is that on XX/XX/19 shopping XXXX XXXX XXXX ( also Comenity Bank/Comenity Capital ), at checkout, 0 % for 12 mos. I apply at register, approved on spot for {$1500.00}. Oh, you cant use it now, you have to wait until you get your card. Pointless waste of credit points lost ( false advertisement ). My purchase of {$800.00} already rung up in the register just waiting for payment. Finally get the actual cards for that account, ironically the same day I received the XXXX approval letter. XXXX XXXX XXXX XXXX card also closed XX/XX/19 ( but also reported to at least one credit bureau it closed on XX/XX/19 ). My denial letter on the XXXX had mentioned suspected fraud due to address change ( just XXXX after XXXX year marriage ). I have two other good, well established cards with Comenity, XXXX XXXX and XXXX, both of which Ive had to put purchases on due to the move situation caused by the XXXX. They sure didnt contact me about my other accounts if they were concerned about fraud. When I asked the two managers I finally got to speak with ( two different days called in ), they said those cards were well established ( even though the address had also been changed to the same new one as the two new cards applied for ).
Unethical business practice! Comenity should not be allowed to hit my credit score with XXXX points because of these two scenarios! I didnt get to use the credit for which I intended to apply ( and apparently was approved ( but actually denied two days before approval so my account with XXXX should have never been opened in the first place ... but then closed the same day!!! I have disputed this with all 3 credit bureaus ( that both accounts should be removed from my credit history altogether and the damage done to my credit score reinstated. Negative results. A credit card company should NEVER be allowed to open and close account the same day. That is abuse of power with this freedom they have with being able to close an account anytime they wish ( which I was told over and over by both managers at Comenity ). Are these companies Gods that no one can police? They can do anything to hard-working, middle class citizens credit that they want? A lawsuit needs to set a precedent for others here. Comenity has taken this right way way to far. Im seeking legal counsel. Ill take it as far as I have to because I feel so incredibly violated by this treatment, like a second class citizen. Are women now discriminated against financially when XXXX from a long marriage with a husband who made three times what they do? This is the way Im seeing things. This is unjust. They are abusing power in the most unethical business way. They should be fined for such terrible behavior.
08/29/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CA
90211
Web
I received my bill from Victoria Secret on Saturday, XX/XX/XXXX that had a balance of {$140.00} and a due date of Sunday, XX/XX/XXXX. I placed a call to Victoria Secret Credit Card Services ( XXXX ) XXXX at XXXX XXXX PST ( 7 MIN ) on Sunday, XX/XX/XXXX to pay my bill over the phone and was advised per the automated message my outstanding balance due was {$140.00}. After paying my bill and receiving the confirmation number XXXX, the automated message advised my balance was XXXX dollars. The following month, I received a statement from Victoria Secret advising that my balance had been paid in full, however a LATE FEE in the amount of {$27.00} was applied to my account with an interest charge {$2.00}. I thought this was some sort of error since I had paid in full, received a confirmation, and per the automated message had a XXXX dollar balance. On my birthday, XX/XX/XXXX, I went to Victoria Secret and made a purchase for approximately {$12.00}. I placed a call on XX/XX/XXXX to update my billing address and advise that after several trips to Victoria Secret, their employees would advise I would need to provide my social security number and driver 's license to use my credit card, despite always providing my Victoria Secret credit card for my transactions. Upon being prompted by the automated message, I was advised that my current balance as of XX/XX/XXXX was now approximately {$70.00}. I asked to speak with Customer Service to get clarification on this balance and spoke with XXXX who advise that I had incurred TWO late fees and TWO interest charges for not paying my initial balance of {$140.00} by XXXX XXXX EST on XX/XX/XXXX and because Comenity Bank processed my payment the following day I had incurred the first late fee. I incurred the second late fee due to no payment for my first late fee. I asked to speak with a supervisor on how this could be possible when I had paid my full balance in good faith, was in good standing with my account, and had never received any notification, email, letter, or communication about any of these fees. I was then transferred to XXXX who proceeded to update my billing address, order me a credit card since Comenity Bank was apparently in the process of issuing new card ( this has been over 6 months that I have a useless Victoria Secret Credit Card from Comenity Bank ), and proceeded to tell me despite attempting to wave these late fees and charges, the system would not allow her due to a late fee waiver from XX/XX/XXXX. I reiterated I had paid the bill on time and could provide phone records and she advised that she could not change this. I requested to pay the bill in full and close my Comenity Bank / Victoria Secret account when she offered to waive one of the late fees. How can she suddenly waive one of the fees but not both when I have paid my balance in full and again not been notified? This is unethical and illegal business practices.
I would like to be refunded by Comenity Bank / Victoria Secret for the all late fees and interest charges I was charged - in the amount of approximately {$57.00}. I have enclosed my phone records and the last statement I have received from Victoria Secret.
Thank you.
10/13/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
OR
97404
Web
XX/XX/2019 I went to XXXX website to buy bedroom furniture. They advertised a 6 Months Interest Free offer on purchases over a certain amount ( I think 500.00 ). We had the money to buy the bedroom outright but I wanted to build on my own credit so I applied. During the purchase process, I never noticed that they DECLINED my application. All I saw was the charges going through and the purchased completed. To my surprise, the next week I received a credit card in the mail from XXXX. I didn't understand why but assumed they were giving me a credit card for future purchases. I just held onto the card assuming it was there when I wanted to use it.
I didn't get a paper statement until AFTER I made my first payment online of {$100.00} on XX/XX/19. I just filed the XXXX statement away. The second statement in XXXX came and I noticed a late fee of {$14.00} and assumed the fee was being recorded until the last payment came in prior to the 6 mo. deadline and just ignored it. I even received an email ( XX/XX/19 ) on the XXXX Secure Message Center stating this ....
" Dear XXXX, At Comenity Capital, we are committed to providing you with clear and timely information about your Account. We have important news regarding promotional plans you may be offered. To view this information, please select the View Document link below and save a copy for your records. If you have any questions, you can reply to this message. View Document Thank You, Customer Care '' So I assumed I had the promotional plan and they were going to offer me some more to keep my business coming in.
I didn't get suspicious until XXXX when I decided to call XXXX and double check the deal I got ( or thought I got ). I had to call two times and even when I did I was passed from XXXX to their bank, Comenity and back again.
On XX/XX/19 I talked w/ XXXX , XXXX and XXXX . Finally I was told that I wasn't given the 6 Month Promotion but would have someone contact me about it. They began a claim for me that day.
I got a letter on XX/XX/19 from Comenity Bank and they acknowledged they would look into the matter and get back to me after the investigation.
I got a letter on XX/XX/19 from Comenity Bank saying " Your purchase ( s ) did not qualify to be placed on the requested promotional plan ( s ) and was THEREFORE APPLIED to a revolving credit plan ( s ) for one or more of the following reasons ... XXXX '' I never ASKED for a revolving credit card and frankly I didn't need one. I had a credit card and debit card I could easily have used to pay off the purchase at the time. This WAS NOT CLEAR TO ME AND RESENT HOW THEY UNDERHANDEDLY WENT ABOUT STICKING ME WITH A CREDIT CARD!
I have tried many times to deal with XXXX and Comenity and have documented the whole thing. On XX/XX/19 I sent a certified letter to Comenity Bank 's HQ, even paid off the account and asked them to close my credit card and will take them to small claims court if they don't reverse the interest fees ( that are currently at {$41.00} as of this writing ) by XX/XX/19. I have not heard anything from them at this writing.
They have no right to deceive me and charge me interest without my CLEAR AND CONCISE CONSENT!
01/13/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
LA
70737
Web
There was a misunderstanding about my XXXX XXXX XXXX account payment in XX/XX/2019 which caused my account to be reported late to all 3 credit bureaus ; XXXX, XXXX, and XXXX. I made an attempt to process my monthly payment online in XX/XX/2019 but the payment did not process because of an error. I was not aware that the payment did not process until I was attempting to make my next month 's payment in XX/XX/2019. After realizing that my account was delinquent I spoke with a XXXX customer service representative over the phone that informed me that XXXX 's payment did not process. The representative then voluntarily suggested that I have my upcoming payments auto-drafted from my account and get on a 3-month payment plan. The balance for XXXX, XXXX, XXXX, and XXXX was divided over the next 3 months so that I could become current by XX/XX/2019. Assuming that this would be the best solution I took the representative 's advice because the solution that she provided me would prevent me from shedding a lump sum of money all at once. Never did I think the customer service representative 's advice would negatively impact me later. In XX/XX/2019 I decided to review my credit report only to find that the advice that the XXXX representative gave me was not the best advice. My credit report showed 4 months ( XXXX, XXXX, XXXX, XXXX ) of late payments. I did not understand how this was possible because the representative suggested that I divide my payments over 3 months to become current but she never once mentioned that 4 months of late payments would be reported to the credit bureaus. I immediately reviewed my online account and my account was current but when I reviewed the transactions line by line I was charged a late fee for each month that I was on the payment plan ; bearing in mind I was not informed of this prior to signing up for the payment plan. I did not think this was fair at all so I contacted XXXX 's customer service department and explained all of the details of what had taken place to the customer service representative that I had been paired with for the current call. The representative apologized to me for the misunderstanding but told me that there was nothing that she could do about it, unfortunately. The 4 late payments on my credit report are weighing heavy on my credit report and XXXX XXXX. I feel that I was misinformed by XXXX 's customer service representative resulting in a penalty to me as the consumer. As a result of the poor advice given by XXXX 's customer service representative, I feel that XXXX should be willing to take some responsibility for the misleading information that their representative provided. If you suggest something to a customer you should at least communicate all of the terms involved with what you're suggesting to a customer which she did not do. Had I known that the payment plan would put me in this predicament I would not have agreed to it. Since this incident occurred I have not had any more issues and I watch my XXXX account closely to avoid errors and mistakes in the future but I feel that it is only fair that XXXX grants a goodwill adjustment because the late payments were beyond my control.
05/01/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
DC
20019
Web
On or about XX/XX/XXXX, I sent {$100.00}, XXXX 's payment, Cashier 's Check, from XXXX XXXX XXXX XXXX, by XXXX XXXX, signature required to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, TX, XXXX. Reportedly, " XXXX XXXX, should receive payment by XXXX XXXX, om XX/XX/XXXX. The last 4 credit card numbers and my name was included on cashier 's check.
On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX, advised '' Tracking # : XXXX, and Cashier 's Check # XXXX, was signed, accepted ( XXXX XXXX ) on or about XXXX, and deposited, by XXXX XXXX, on XX/XX/XXXX. Reportedly, " an investigation, would be completed ( approx. 90 days ). I will receive written notice of results ''. Thereafter, on XX/XX/XXXX, I contacted XXXX XXXX, ( XXXX ) XXXX, to confirm aforementioned.Reportedly, " XXXX advised. " the payment was not received, and initiated and investigation, Case # XXXX ''.
On or about XX/XX/XXXX, I received a letter from ( Comenity Capital Bank, confirming investigation in progress and additional information is needed. On XX/XX/XXXX, I sent an email with copy of the cashier 's check XXXX XXXX Customer Care Dept. On XX/XX/XXXX, I contacted XXXX XXXX, who advised, Comenity Bank and XXXX XXXX, " do not share information, the email I sent was forwarded to XXXX XXXX. A Supervisor, XXXX, spoke with Comenity Bank Representative, " XXXX '' who reportedly forwarded information to XXXX XXXX ''. Case # : XXXX. I was advised to allow completion of investigation to obtain updated account information. Supervisor, XXXX further advised, " associate will clear all late fees and the minimum payment due will XX/XX/XXXX, will not be required ''.
On or about XX/XX/XXXX, I forwarded second payment ( XXXX ) {$140.00}, XXXX XXXX Cashier 's Check, by USPS, Certified mail, signature required, with my name and last four numbers of credit card, also included " Last payment required to satisfy this account '', to XXXX XXXX XXXX XXXX XXXX, TX XXXX.
On XX/XX/XXXX, I contacted XXXX XXXX, ( XXXX ) to obtain status update on pending investigation, Reportedly, advised, " Investigation was closed due to lack of information ''. A new investigation, must be initiated, because XXXX XXXX, did not receive requested information ''. Supervisor requested, XXXX, same name as first Supervisor, XXXX, different person, who advised, " she did not find copy of XXXX XXXX Cashier ; s check ''. I requested to speak to XXXX 's Supervisor. The call was transferred to Escalation Dept. ( XXXX ), who also advised, " copy of Cashier 's check was not forwarded from Comenity Bank ''. Reportedly, " the call dropped, I called back and spoke with XXXX, who reportedly sent two disputes. " XXXX payment and XXXX payments, INCIDENT REPORT # XXXX.
Thereafter, I requested to speak with Supervisor. Call forwarded to Senior Acct Mgr. XXXX, located in ( Colorado ). " I explained aforementioned, sent an secured email on XXXX XXXX website and received confirmation receipt from XXXX, located in ( Colordo ). Reportedly, this matter should be resolved within 48 hours and I should receive response ''. As of this writing, I have not received resolution from XXXX XXXX regarding the aforementioned payments.
02/27/2018
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
IA
50702
Web
I received a phone call on XX/XX/XXXX from Comenity bank in regards to my XXXX XXXX credit card payment. The representative informed me that I had a late payment, and he was absolutely correct. On XX/XX/XXXX my payment of {$35.00} was due but I was out of the country therefore I didnt have access to the internet to make my payment. The representative said that I had a minimum payment due for {$93.00}. I told him that the {$93.00} must be including a late fee and my XX/XX/XXXX payment and I asked if I could have that late fee forgiven since I am not typically one who misses payments. He told me if he was able to get my late fee waived would I agree to pay {$93.00} ( misleading statement ). I told him no, I agreed to pay my XX/XX/XXXX payment only if he was able to remove the late fee. He then again tried to lie as if my balance didnt include a late fee and {$93.00} was the minimum payment due on my account for being 12 days late. I told him that was incorrect, I agreed to pay {$40.00} for my XX/XX/XXXX payment.
He then came back on the line and said that his supervisor approved him to waive {$15.00} of my minimum payment, did I want to pay my payment and the rest of my late fee with check or debit card. I asked how much was my late fee because I didnt want it to roll over to my XX/XX/XXXX payment. He gave me the amount which was more then the minimum payment due! I told him I wanted to speak with a supervisor to see if they would waive the whole payment and that I didnt appreciate him giving me misleading information as if my minimum payment due was {$93.00} just for XX/XX/XXXX 's payment. He came back on the line and said if they agree to waive my full late charge would I agreed to make the {$40.00} payment right now on the phone with debit or checking acct. I told him yes I would with debit card. He came back on and said they waived the late charge and go ahead with my bank information to pay the {$40.00}. After I provided him the debit card information he said he couldnt accept a debit card payment I needed to give him my checking information. I then asked him why did you ask for my debit card information if you can not accept that form of payment, and now youre asking for my checking information this felt like a scam and as if somebody was going to use my information fraudulently. And I then requested to talk to his supervisor again. He told me If I wanted to talk to his supervisor about my concern he was not going to waive my late fee. So I told him he needed to run my card payment for this transaction, I was not going to give my checking information, and at this point in the conversation I was willing to take the risk of not getting my late charged waived and wanted to talk to the supervisor. He then processed my payment for me. And gave me my approval information, but then asked if I still wanted a supervisor. I told him absolutely I did!
Unfortunately I wasnt able to continue to hold on the line we had family unexpectedly show up at the house. However I am a little concerned about the representatives that we have to give our information to. Also, about the misleading information I was provided.
08/24/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
IL
60607
Web
I have been a long standing customer of Comenity Bank and the XXXX XXXX card, and my payment history has been consistently on time. When I made my last payment of {$360.00} on XX/XX/2020, I did so in an effort to pay off the entire balance of my card, and I had not made any purchases since that time. On Monday, XXXX XXXX, I was surprised to see a statement ( attached ) from my XXXX XXXX card in my mailbox ; I was even more surprised when I opened it to find that I had an outstanding bill of {$150.00}. I then looked at my account online to see I had late charges dating back to XXXX, but I had not received any online statements. My next step was to go to the spam folder of my email. That is where I found emails from XXXX, XXXX, and XXXX. I do not know why these went into my spam, and I did not understand why I had any late fees or charges, but I certainly would not have let it get 90 days past due had I known about the bill. Furthermore, I was unsure why I was getting late fees because I made my payment on the due date of XX/XX/XXXX. I attempted to call Comenity twice the week of XX/XX/XXXX, and I was finally able to get in touch with a woman named XXXX XX/XX/XXXX. I told her about the situation, and that this was extremely damaging to me as I am trying to buy a home this year, and this negative mark on my credit hurts my chances of getting a home loan.
She informed me that my last payment in XXXX was processed on XX/XX/XXXX, and my bill was due on XX/XX/XXXX, so I incurred a late charge ; she said I must have submitted it after the processing deadline for the same day. From that point on, late fees and interest started accruing until I received the letter in the mail. I asked her why no attempt was made to call me or mail a statement when the first month was delinquent, and she said that I had a do not call note on my phone. Again, this does not make sense to me as I would never tell a bank I do business with that it can not call me.
I asked her if there was anything that could be done about these fees, and she attempted to get them reversed, by she could only waive {$100.00}. I made arrangements with XXXX to pay the balance of my account, {$57.00}, on Friday the XXXX, and I asked her to change my statements to paper, as I do not want another occurrence of this to happen in the future. XXXX told me she made notes of our conversation in my account as well, and she encouraged me to write a letter to the bank explaining the situation to ask for a goodwill waiver regarding the late reporting of my account to the three major credit bureaus. I wrote and mailed the letter to Comenity that day. ( letter attached ) On XX/XX/XXXX, I received a reply from Comenity stating that they could not grant my goodwill request. I am filing this complaint as I believe that Comenity exhibited unfair practices in continually charging me exorbitant fees without making any proper contact. Furthermore, they are in direct violation of the CARES Act that states a creditor may not report late payments to the major credit bureaus during the time in which the CARES Act is in effect.
I appreciate your time and attention to this issue.
09/22/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
60626
Web
On XX/XX/XXXX, I contacted Comenity Bank regarding my Lane Bryant credit card about a notice I received stating my account had a past due balance of $ XXXX.I knew this was an error because I have monthly auto payments set up through my bank that always post before the XXXX of the month due date, and nothing hadchanged with this set up.
I looked at my Lane Bryant account before I called customer service and saw that not only had no payments posted since XXXX, I had been charged several late fees and extra interest too.I then saw in mybank account that XXXX, XXXX, XXXX and XXXX 's payments had all been posted- I had cashed checks as proof. But I noticed that a few of the checks cleared much later than usual.
When I called Lane Bryant Customer Service about these issues, I was notified that the mailing address for the payment processingcenter had changed and that this was probably the reason for the issues I was having with missed payments. I was never notified of this address change. The customer service agent told me I never would have known about it unless I looked at my statement online and saw the new address that was printed on it. I was then told the only way to resolve this was topost a message in the online messaging center about the issue and attach copies of the cancelled checks. And so I did, on XXXX.
The four missed payments of {$65.00} finally posted to my credit card account yesterday - nearly a month after I first contacted Comenity about this issue. I suspect this is because I issued a complaint through the XXXX XXXX XXXX They also reimburseda {$35.00} late fee and {$5.00} in finance charges/interest.
Unfortunately, the following issues still remain : 1. LATE FEES : Overall I accrued {$180.00} in late fees because of Comenity'serrors : XXXX XXXX XXXX$29.00}, XXXX XXXX $ XXXX - {$40.00}, XXXX - {$40.00}, XXXX - {$40.00}.
- My XXXX payment was posted to my Lane Bryant account on XXXX, yet I was still charged a late fee of {$40.00} on XXXX
- Comenity still needs to reimburse me for the remaining {$140.00} in late fees that are still on my account balance.
2. EXTRA INTEREST : According to the 26.9 % interest rate, I did a basic calculation ( {$180.00} [ late fees ] + {$260.00} [ misposted payments ] to come up with the {$110.00} in extra interest that has been applied to my account as a result of customer service 's errors. I realize this calculation may not be accurate, but the interest I need to be reimbursed for is definitely a lot more than {$5.00}.
3. CREDIT SCORE IMPACT : I am concerned that this situation may impact my credit score - if the false past due status of my account have been reported to credit bureaus, it must be corrected. And I will need it in writing that it has, if necessary.
To date, I have contacted customer service three times and have written numerous letters through the online messaging center about these issues. Yesterday, I was told by customer service that I can not be reimbursed for more than {$35.00} in late fees. When I asked to be transferred to a supervisor, I was disconnected. My call has been disconnected every timeI call customer service.
07/08/2019
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
CO
80231
Web
Older American
I purchased a dress from the company, " XXXX XXXX '' in XX/XX/XXXX for {$85.00}. I had a previous balance of {$0.00}. I returned the dress within a week because it made me look XXXX.
I heard nothing at all from this vendor and didn't expect to as I had a {$0.00} balance after the above mentioned return. I never heard anything from them until I got a threatening letter dated XX/XX/XXXX from XXXX XXXX XXXX informing me that my XXXX XXXX account had been " Closed and charged off '' in XX/XX/XXXX, and they had now that debt and were pursuing it. The debt was {$340.00}!
I contacted them immediately and highly disputed this totally bogus, unjustified bill. I told them I wanted proof of this fraudulent bill in statements from XXXX XXXX I received a letter and copies of bills from XXXX XXXX, dated XX/XX/XXXX. XXXX XXXX stated they had conducted an investigation and stated the bill was valid.
: Here is a list of copies of bills they sent me on this XXXX XXXX account : 1. XXXX XXXX bill dated XX/XX/XXXX stating my previous balance {$0.00} The only purchase shown was a dress I bought for {$85.00}. No credit shown on this bill for my returning the dress within 10 days.
2. XXXX bill dated, XX/XX/XXXX stating a previous balance of {$220.00}. It also stated that XX/XX/XXXX totals for the year were : fees charged- {$160.00}, interest charged- {$17.00}.
3. XXXX XXXX bill dated XX/XX/XXXX stating a previous balance of : {$260.00}, with total fees charged for the year XX/XX/XXXX- {$190.00} and interest total charged- {$23.00}.
4. XXXX XXXX bill dated XX/XX/XXXX stating a previous balance of {$300.00}. Total fees for the 2018 year {$230.00}, total interest charged- {$31.00}.
That was the total documentation sent to me about this bogus bill. XXXX XXXX charged off the account in XX/XX/XXXX.
I never received a bill from XXXX XXXX after purchasing the dress mentioned above and didn't expect to as I had returned the only thing I had purchased from them promptly after buying it. They never contacted me in any way ; bill, phone or email concerning the wrongful debt.
I contacted XXXX XXXX by email when I got these few copies of bills from XXXX XXXX that I had requested when I got them on XX/XX/XXXX. The bills in no way justified the outrageous attempt to defraud me of {$340.00}. The representative tried to say I had opened the account in XX/XX/XXXX, to which I said that had NO bearing on this bogus bill as shown by the XXXX XXXX bill of XX/XX/XXXX which stated I had a {$0.00} balance before purchasing that dress I then returned. The representative asked me what I wanted them to do, to which I replied, " Cancel this bogus bill that you are pursuing against me, never contact or harass me about this unjustified bill or I will pursue legal action. I also told her that I was filing a complaint with the FTC about this whole situation.
I will be happy to get copies to you of all communication I have received by XXXX XXXX.
Please send me the proper address to send copies of this to you.
Thank you for your consideration and help in this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, CO XXXX XXXX XXXX XXXX
07/29/2017
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
WI
53132
Web
Secure Message Center Back to Inbox Reply From : YouSent : Saturday, XXXX XXXX, 2017 XXXX XXXX ( ET ) To : Comenity BankSubject : Re : StatementsMessage ID:XXXX I did n't apply for bankrupt!!! You lied!!!! From : Comenity BankSent : Saturday, XXXX XXXX, 2017 XXXX XXXX ( ET ) To : YouSubject : Re : StatementsMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
Comenity Bank issues your account and responds to all credit related inquiries.
We regret to inform you that the previous correspondence sent to you was incorrect.
We apologize for any inconvenience you 've experienced with your account.
It 's our goal to provide superior customer service, and we 'll use your feedback to improve our customer care interactions. Please be informed that your XXXX account was suspended on XX/XX/2017 when your petition for bankruptcy was received. We have received your inquiry in regard to your XXXX account. We have notated the account in regard to your inquiry. However, it is recommended that you contact your attorney and have a letter sent to the address below stating that the XXXX account has been excluded from the bankruptcy. We are unable to remove the restriction without the letter. Comenity Bank XXXX. XXXX XXXX XXXX, OH XXXX - XXXX We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team Previous Reply Follows : -- -- -- -- -- -- -- -- -- -- -- - Thank you for your recent inquiry to our Customer Care Department. Comenity Bank issues your account and responds to all credit related inquiries. I apologize for any inconvenience you 've experienced with your account. It 's our goal to provide superior customer service, and we 'll use your feedback to improve our customer care interactions. For better assistance we request you to mail your inquiry to the address listed below : Comenity Bank XXXX. XXXX XXXX XXXX, OH XXXX XXXX We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team Original From : Comenity BankSent : Saturday, XXXX XXXX, 2017 XXXX XXXX ( ET ) To : YouSubject : Re : StatementsMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department . Comenity Bank issues your account and responds to all credit related inquiries. I apologize for any inconvenience you 've experienced with your account. It 's our goal to provide superior customer service, and we 'll use your feedback to improve our customer care interactions. For better assistance we request you to mail your inquiry to the address listed below : Comenity Bank XXXX. XXXX XXXX XXXX, OH XXXX XXXX We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team
04/22/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MI
48166
Web
I am requesting and truly need your help. I was deceived and did not make the charges in question on this XXXX XXXX XXXX Card. I originally ordered one free essential oil on XXXX that was free and you only paid {$6.00} shipping and handling for. There was a limited timer on this add that said the offer was only good for ten minutes. Since then I have received repeated charges for products that I did not want or believe I ordered, again a fraudulent scam that is trying to take advantage of consumers. There are a multiple different names of merchants and phone numbers that do not match. When I called XXXX XXXX-XXXX-XXXX, they said the only charge they have on file was an essential oil that I ordered on XXXX on XX/XX/XXXX, which I used my XXXX XXXX credit card for ( have proof in my possession ). They will tell you that the other charges on my XXXX XXXX XXXX card are not from XXXX, and can not explain where the other charges came from. I have been completely scammed, taken advantage of, and have fraudulent charges on my XXXX XXXX XXXX credit card due to a XXXX ad scheme. There is a second charge of {$6.00} on XX/XX/XXXX with no explanation when the XXXX ad said there was a shipping and handling charge of {$6.00}, never saying two charges. When I called XXXX XXXX XXXX-XXXX-XXXX, they said that I had ordered an essential oil on XXXX, which is true, but I honestly believed I was ordering a free oil and serum, paying only one charge of {$6.00} and that was it. They claim that I enrolled in a program to regularly receive their product, which I honestly swear I did not do nor believe I did. I do not want and have never wanted any program of products. After doing my own investigating, although the merchant names and phone numbers do not match, I believe all of the charges are coming from XXXX XXXX XXXX-XXXX-XXXX. ( The real name of the company may actually be XXXX XXXX XXXX, although no XXXX XXXX credit card statement ever lists that name at all. ) I have charges on XX/XX/XXXX of {$69.00}, XX/XX/XXXX of {$59.00}, XX/XX/XXXX of {$69.00}, and XX/XX/XXXX of {$59.00} that should not be there. The same merchant is also listed as XXXX on my statements as well. I did receive two packages, tracking number XXXX and XXXX, which I believe are the XX/XX/XXXX and XX/XX/XXXX charges and wrote Refused. Return to Sender. After continual contacts with the merchant myself, I did received the XX/XX/XXXX and XX/XX/XXXX charges returned to my XXXX XXXX XXXX credit card. I desperately need all my money returned to me, as I have never had any intention of ordering products and did not believe I signed up for anything. I honestly have not received any other shipments, and when I asked the merchant for the names of the products I supposedly had received they refused to do so. I have repeatedly contacted XXXX XXXX, had to fill out a lengthy report, and have been repeatedly told that they are going to do nothingthat I received some of my money back. ( All money I have received back has been due to action taken on my part. ) XXXX XXXX keeps telling me to contact the merchant, and the merchant keeps telling me to contact XXXX XXXX.
10/22/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NE
68137
Web
Around XX/XX/2021 I received a statement from XXXX ( Credit card serviced by Comenity Bank ). In this statement I had an ending balance of {$680.00}. The statement had a minimum payment of {$35.00} with a payment due date of XX/XX/2021. I made a payment in full of {$680.00} that was completed and cleared on XX/XX/2021. This was clearly before the payment due date of XX/XX/2021. So, I figured I was done and owed nothing further. I didn't realize that I was charged a finance charge of {$6.00} on the XX/XX/2021 statement. I wasn't aware of this until recently. I finally decided to open a e-statement because it was weird I kept receiving them, figured its just showing me {$0.00} balance due. During my review I discovered that I was being charged interest fee and late fee 's. On XX/XX/2021 I made a phone call to Comenity Bank via the phone number on the statement to get assistance and help me not only understand why I was charged interest fee on a balance I paid in full but hoping they would understand and reverse the late charges and fix my credit bureau report. Well, after about 41 minutes on the phone and being transferred 7 times to finally have someone somewhat clearly explain the situation and help me get rid of some of the charges. I did make a payment on XX/XX/2021 for {$36.00}. The lady on the phone indicated this would be the payment and the rest will be forgiven. Great! I ask if I would be surprised with an additional interest fee, she stated yes you may be charged a small interest fee. This is unreal.
Next, I ask if I could have the company fix the credit reporting. I was told to send a message using the secure message center for assistance. They should be able to help you. So I did on XX/XX/2021. On XX/XX/2021 I got a response back from an agent who gave me this long biography of how they charge interest etc. Then I was told that she can't help me with the credit reporting issue that I must write a letter to their company to review. I have been given the runaround a lot the last two days I have been dealing with this bank. Clearly, the staff is unaware of the process or procedures.
I want Comenity Bank to review this case, clearly show me how you calculated the {$6.00} interest charged accessed on XX/XX/2021 statement. Also, if you are going to charge interest after the fact when a balance in paid in full on time, then you should inform your customer of this. My other banks don't sneak around like this.
You know I got this card because I was under the impression that I would have a promo period where if I paid it in full during a certain time I wouldn't be charged interest. Well, when I got my statements, XX/XX/2021 specifically, I noticed that wasn't true as I was getting charged interest. This is why I paid it in full. I was probably mislead or misinformed. I didn't take any action then, because I just felt like I should just pay for it in full and be done. I really hope the XXXX XXXX staff are not misleading customers. That can be a big issue for them and Comenity Bank.
Again, I want someone to look into this, understand my situation and correct my negative credit reporting.
04/29/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
PA
18930
Web
Older American
THIS IS NOT A DUPLICATE..My credit is being ruined with all the credit bureaus, and Comenity bank- XXXX XXXX XXXX has still NOT resolved or tried to resolve a dispute I have had with them for almost a yr. They took the dispute XXXX XXXX ) out of " dispute status '' and have almost doubled the amount disputed with their interest they tacked on. Comenity bank asked for " extras '' which were provided several times after I could not resolve the problems with the merchants in person on my own. After I have sent these " extras " to Comenity, they charged my card back, and/or refused to credit the items I disputed without any reason for doing so. I have never received any documentation that they ( Comenity ) even tried to contact the merchants on my behalf for the problems with the purchases and non-credited return XXXX billing error because the customer service rep. missed crediting items the store took back and have in their possession without any refund to me XXXX. I have gone to the merchants on my own and simply told they couldn't do anything " now ''. I further sent the quality pledge and subsequent policy that reneged on that store 's policy that was enforced upon purchasing after I went in person to get the refund. These stores cited " covid 19 '' as the reason for all these problems after they " reopened '' and even had extensions of time implemented for returns.
I have tried in good faith to take care of the credits myself and had to turn the matter over to Comenity bank in a dispute for ea. separate matter, and have done so within less than 60 days, and provided documentations supporting, but Comenity has never sent me any documentation of them contacting the merchants or any reason for closing the dispute and tacking on interest.
Also note that the complaint I filed against them with still no resolution shows them stating to CFPB that they were working on the complaint but at the same time telling me there " is no dispute '' ..
My dispute is the same as was mentioned prior and has never been resolved even though it has been " closed ''. Are there any papers or anything showing they went to the merchant on my behalf within the 2 billing cycles almost a whole year ago when this dispute was started?. There is no documentation from them ( Comenity ) on anything provided to me other than a letter asking for more info that was indeed provided, and on XXXX XXXX, XXXX, I received a letter dated from Comenity dated XXXX XXXX, XXXX after many back and forth emails after they took my dipute out of dipute status with NO notice or reasons why. Comenity is reporting my account past due 120 days and refuse to answer to any of this, and if I call my calls are disconnected over and over even after being told I am being transferred to another department, and also " Covid is making resolutions longer to handle ''. I have been more than patient, and still seek refunds and my credit restored as per my rights ( and Comenity bank 's infringement on them by NOT fairly and timely following through as per the credit card agreement they post in their card billings ea. month XXXX by the Fair Credit Billing Act.
08/24/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
AZ
85382
Web
Servicemember
InXX/XX/XXXX we contacted them in regards to Covid as we were not sure what our financial situation would be. The gentlemen told me to call back after we were late. I called them back the day after our payment was due.
I was " told '' that we would be put on a COVID Hardship program. They told us that that we would still accrue interest and that we would have to sign up for automatic payments. We were also told that the late fee that we were charged would be removed since we were entering into this program.
We were enrolled in auto pay and I hadn't gone on our account since this started. Then last week I received a text letting me know that our payment was late. As we were curious on why or how this could happen because we were on auto pay ; I logged in to our account and found even more interesting information which made us extremely angry.
I contacted their customer service line and was transferred to a department that could help me. This gentlemen told me that they shouldn't have put me on this program and that this was not correct. We were only credited {$15.00} for the first month that they told us to be late for and told us they would credit that late fee. Then we had been charged a late fee for each and every month from that point forward until now. I asked for them to explain this to me as they were the ones withdrawing our money from our account before the due date. I was told it was because we were paying less than the minimum amount. This is also incorrect. Our minimum payment is {$120.00} and we were paying {$130.00}. We would have been better to have just been late a month while we figured things out with being furloughed due to Covid. This man said that the person helping us should have told us ; which they did not. He said he would transfer me to another department to get me on the correct plan.
I was transferred and right away the man on the other end said, " I can't help you, you will have to have your husband call back. '' I told him that my husband had already called in and had already told them they could speak with me and that I had full authority for decisions on this account. He said, nope, it doesn't affect your credit and I can't speak with you. I said, yes it does it appears on my credit as well. He continued to argue with me and told me that I was only frustrated because I didn't know the law. I laughed and told him he was rude. He said no I was just frustrated and he wasn't rude.
In the end, this man was rude. Little does he know, I most likely know more about law than he does, I am also a double XXXX XXXX XXXX holder and I have enough knowledge to have made him feel incompetent but I felt that this was a position of power for him and he was trying to hold that over me.
I refuse to deal with people that think and act like a bully over a telephone line.
In the end I think this practice is unethical. I think that if someone is trying to get help and needs help and the company has programs set up for such ; that they should help them and work with them. Especially during these uncertain times. We weren't in this position because of anything that was our fault.
08/17/2018
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
IN
46205
Web
On XX/XX/XXXX ( approximately XXXX XXXX EST ) I contacted XXXX- XXXX XXXX about account ending in XXXX ( opened in XX/XX/XXXX ).
I was forwarded to representative XXXX XXXX. Immediately after she verified my name, I asked XXXX XXXX for her employee ID number for my own notes. She refused to give me her ID number by saying, I am not getting into this, I will just send you to a manager. I thought that she was reacting abruptly but I said that it would be fine to send me to a manager. XXXX XXXX then put me on hold after which XXXX, Senior Resolution Specialist ( ID number XXXX ), picked up the call and asked me to verify my information. I asked if she were a manager and she said no, but gave me her title and said that she could as much as a supervisor could. We began going through payment options, she asked if I could pay the current balance due, I offered to pay more if we could get to a reasonable amount. XXXX ultimately said that if I could make a payment of {$910.00} then XXXX could waive the rest. I said that it sounded like a settlement and I didnt want to do a settlement. She assured me that it was not a settlement and asked if I would like to pay the {$910.00} agreement. I said that I would like to make that payment once I see it in writing, XXXX then said that she could not provide the agreement in writing. I ask her to tell me where it says that she can not provide me the agreement in writing. XXXX ask if she could put me on hold so that she could find my answer to that question. After a while on hold she returned to say that she was still looking for an answer and asked if I she could place me on hold again. I agreed to hold. After being on hold for a little while, the called completely disconnected. After the abrupt handling from XXXX XXXX, I now felt XXXX may have purposely ended our call.
I called back, spoke to XXXX ( ID XXXX ) and told her that I was working with XXXX and wanted to be reconnected with her. XXXX said that XXXX ( ID number XXXX ) was no longer available and may have just left for the day. Now, I really felt disappointment about how I was treated by XXXX XXXX and XXXX. It also made me apprehensive about how I would be treated going forward. XXXX said that she would help by looking at XXXX note. She saw that were arranging a payoff amount of {$910.00}, but said that it had to be a settlement. I said that XXXX said it was not a settlement and at this time I would like to speak to a supervisor to discuss things further.
I was forwarded account supervisor XXXX ( ID number XXXX ). I told him about my experiences with both XXXX XXXX and XXXX. I told him about XXXX refusal to put our agreement in writing. He said that he would tell XXXX XXXX supervisor about how things were handled. He did not mention XXXX. XXXX then said that the only two options he could provide me were a settlement for half the cost or to waive the late fees up to about {$200.00}. By this point I was frustrated and dismayed. I said that I would need to think about what I would like to do next and ended the call.
While thinking about what to do, I chose to file this complaint with the CFPB.
05/22/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
PA
19401
Web
( This is for 2 accounts ). On XX/XX/2021 via Priority Express mail number XXXX XXXX XXXX XXXX XXXX XXXX Comenity Bank received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of XXXX During the initial 30-day investigation period, Comenity Bank was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Comenity Bank did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Comenity Bank sent me emails and statements that I did not directly consent to and attempted to collect an alleged debt while the investigation was in place which is a violation pursuant 15 USC 1692g ( b ). Additionally, Comenity Bank continued communicating or attempting to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Comenity Bank by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Comenity Bank has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Comenity Bank must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
08/03/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
10573
Web
Servicemember
Comenity agrees with this history of events, but says that " policy '' prevents them from removing the fraudulent fees from my account.
In XX/XX/XXXX I placed an order from XXXX XXXX and paid with my XXXX XXXX / Comenity card. The order was never delivered. I assumed that it had been cancelled, which turned out to be a mistake. I didn't think about it again until XX/XX/XXXX when I got a call from Comenity collections department asking for payment plus late fees. I spoke with both XXXX XXXX and Comenity customer service several times, including one conversation with both of them together. It turns out that XXXX XXXX issued a gift card instead of a refund, and mailed it to a defunct address.
On / about XX/XX/XXXX, XXXX XXXX canceled the gift card and tried to credit my card account at Comenity. Comenity 's response was that my account was locked and therefore not eligible for a credit.
XXXX XXXX offered a workaround : they would issue my credit to a different credit card, I would use that refund to pay Comenity, and Comenity would remove the late fees from the account. I received the refund to a 3rd party credit card on XX/XX/XXXX and paid Comenity on XX/XX/XXXX. I was told the late fees would be removed and didn't think about it again.
Then in late XXXX I received another call from Comenity collections. They had continued to accrue late fees and finance charges. I submitted a dispute at that time, and fees were paused until resolution. They also credited two of the four late fees that had accrued, which was the max they were allowed to credit by policy.
Comenity claims they sent a written response to my dispute, requesting more information. However I never received a written response and there is no message in my Secure Message Center online. Instead, I got another call from collections in XXXX. Comenity had closed my dispute and started accruing fees again in XXXX.
( Almost ) every customer service agent I've talked to has been friendly and attempted to be helpful. But now, when they review the history in their system, they ask me to prove that I never received the order. Which is of course impossible, especially 10 months later when XXXX has already wiped the tracking information. They actually suggested that if I have a video doorbell, I could review footage and show that the package was never delivered. I don't have a video doorbell, and that's ridiculous anyway.
In XXXX, I was able to speak to a Senior Account Specialist named XXXX, who refused to give a last name. She said that it was impossible that my account could have been locked in a way that made XXXX XXXX unable to issue a credit. All of my calls with customer service are surely recorded and can be reviewed for accuracy. XXXX also told me that even if I'm 100 % correct, my account is not eligible to credit any more late fees, because two have already been credited this year.
So now Comenity policy requires that they continue to charge late fees and finance charges, even though they have admitted that they should not, three times over. What is fraud, if not charging fees for an order that was never delivered?
09/09/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
19142
Web
On XX/XX/2021, I received an email from XXXX implying that I owed a balance of {$86.00} which is due by XX/XX/2021. When I logged into the account to check this inaccuracy I found that I have been being billed a finance charge five days after my billing cycle is complete.
For example, in XX/XX/2021 the online portal indicated I had a balance of {$95.00} due XX/XX/2021. I separated this payment into two paying {$35.00} immediately and then scheduled the {$60.00} payment for the balance a few days later. That payment came out on XX/XX/2021. On XX/XX/XXXX, unbeknownst to me, I was charged a finance charge. I was not made aware of these charge, via email, text or mail notification. As a result Comenity applied a {$35.00} late fee to this balance.
When contacting them on XX/XX/2021 the first representative reviewed the card history and stated he did in fact find the issue and could see that that {$60.00} payment was received on the XXXX which should have left no balance. He removed the late fee and the finance charge but found that there was an additional late fee applied previously. He stated his manager could take care of this one because he only had authority to remove one late fee.
In speaking with two Managers ( XXXX and XXXX ) I was told that the late fee was applied to a balance from XXXX. I explained to them that I have not been receiving any billing communications which is why I logged into the portal myself and made the two XXXX payments. I explained that I recognized that late fees were being applied to finance charges that are being submitted five days after my bill cycle is due and that there should have been a XXXX balance after the {$60.00} payment because I paid in full what the online portal said was the total balance. After doing a review of what she could see on their end and what I could see in my account portal I was able to confirm that there is a clear discrepancy in the reporting. Nothing in my account indicates that I had a balance of {$140.00} in XXXX. XXXX offered a {$10.00} credit and said the total of {$45.00} was the best they could do to resolve this matter. After asking to speak to someone else 9 times, I was transferred to XXXX.
XXXX also went through the same review as XXXX, I read to her the dates, balances, payments and finance charges that were in my visible view through the online portal, she confirmed that what we were seeing was different and stated that the home screen should be reporting the correct balance, despite the fact is was not each supervisor refused to remove the frivolous late fee and did not take into consideration the fact they drop the ball on providing invoices or text alerts which I am signed up for.
I asked for the card to be closed and I want this balance to be cleared. It is absolutely ridiculous that I have maintained a great credit rating with XXXX XXXX, XXXX and XXXX XXXX only to have a subpar clothing company impact my credit through frivolous practices such as billing for a finance charge outside of the scope of normal use to obtain additional late fees from customers. This practice has to be illegal.
11/09/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
UT
84014
Web
I have a Credit account with XXXX XXXX, and my monthly payment of XXXX $ is due on the XXXX of every month. I typically go online and make the payment but for some reason the online option was not available, I was informed via email that they changed bank but the only thing that would change is I would get a new account card in the mail, but I figured thats why there was a problem. I went into the store around XXXX on the XX/XX/XXXX and was informed they would only take cash and check now, no longer card. They gave me a number to call to pay over the phone and use my bank info ( ( XXXX ) XXXX ). I called the next morning on my lunch break at noon ( XX/XX/XXXX ) and proceeded with a 6 min call eventually being able to input a routing and account #. I did n't hear anything from the company. I checked my personal bank account on XX/XX/XXXX and to my surprise the company decided to pull from my saving and not my checking account and now there was an overdraft fee from my bank since I only have the money in my checking. I figured since the system did n't allow me to specify checking or savings they just pulled the wrong account so later that night ( XXXX ) I called the same number and spoke to a rep. who informed me that the account looked in good standing at that time and there were no problems. I informed the rep that the money would return and the funds were n't available in that account. his response being I " would be informed if there was a problem with the payment ''. after asking if this lapse in payment would affect me or give me any late fees and being told that it would n't i hung up and awaited a call or an email ... neither came. I checked my account again on XX/XX/XXXX and discovered another over draft fee. I was not informed that the payment returned and there was a resubmit in the works. I called the next morning ( XX/XX/XXXX ) at XXXX XXXX, and spoke to a manager, who informed me that they would n't help me take care of any fees and that it was my problem, even though I was told I would be notified. her only response was that i was notified via the postal service, which i did n't even receive until XX/XX/XXXX, well after the resubmit. Now I do n't have the money to pay my bill since I now have a -XXXX $ balance from overdraft fees from XXXX XXXX.I recall the company on XX/XX/XXXX at XXXX XXXX and am transferred to the XXXX XXXX payment help division. After a brief conversation with the rep, I am given no further info. Asking questions is met with such statements as " I do n't have an answer for you '', " I do n't know '', and " I do n't know why you think that ''. The rep told me i was now past due XXXX $ ( even though I have overpaid on this account multiple times by at least 40 $ ). Upon informing the rep that the company has been deceitful with me since day one giving me interest up to {$40.00} dollars a month even though I was told no APR for the first year, and that i do n't know why i am past due more than i owe monthly even though i was informed no late fees would be applied, I was once again met with the response " I do n't know what to tell you ''.
02/02/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
CT
06870
Web
In XX/XX/XXXX- started XX/XX/XXXX- XX/XX/XXXX someone used our XXXX XXXX credit card number in and around XXXX, XXXX. Our entire family was in the United States at the time. We have other charges on the account that our ours and that were used by presenting my card in person during this time period. When we discovered the issue initially I told them it was fraud. The card was cancelled, balance transfer to a new account and we were sent new cards. The card was not working at some point and I had to call them and learned about the fraud. They closed this account and issues new numbers etc. along the way I contacted some of the accounts on here that were fraudulent and the XXXX said they would be more than happy to give all to information to XXXX in order to resolve and the said they would. My understanding is that they never even reached out to the XXXX to inquire. I asked if I could speak to the person reviewing the fraud to answer any questions. The XXXX XXXX customer service said they would reach out to me. I received a letter stating that they did t not believe this to be fraud and that I had to pay the charges. They never contacted these companies. In fact, I dont know that they looked into this at all. I need help getting them to do a more thorough investigation and recognizing that these are not my charges. Since I was in the US with my cards this had to be someone who stole my cc number and cloned a card. Whatever the scenario I really need help assistance.. Here are the charges.
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Please see attached photos of my credit card bill during the fraud that shows I was using it. Not only that XXXX should have asked me to keep my cards or should have called me right away to check where the card was. I called some resources for help and both the police and the bureaus say that your number can easily be cloned or skimmed and ported to someone elses name, or punched in and replicated. I need help to get to look into this more thoroughly and show proof and explain why you think this not fraud. I want to see signatures, copies of cards, me on cameras at some of these places in XXXX. I would like thisnrighted please Thank you in advance for your assistance with this matter. Sincerely. XXXX XXXX
12/16/2019
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account status incorrect
LA
70737
Web
There was a misunderstanding about my XXXX XXXX XXXX account payment in XX/XX/2019 which caused my account to be reported late to all 3 credit bureaus ; XXXX, XXXX, and XXXX. I made an attempt to process my monthly payment online in XX/XX/2019 but the payment did not process because of an error. I was not aware that the payment did not process until I was attempting to make my next month 's payment in XX/XX/2019.
After realizing that my account was delinquent I spoke with a XXXX customer service representative over the phone that informed me that XXXX XXXX payment did not process. The representative then voluntarily suggested that I have my upcoming payments auto-drafted from my account and get on a 3-month payment plan. The balance for XXXX, XXXX, XXXX, and XXXX was divided over the next 3 months so that I could become current by XX/XX/2019. Assuming that this would be the best solution I took the representative 's advice because the solution that she provided me would prevent me from shedding a lump sum of money all at once.
Never did I think the customer service representative 's advice would negatively impact me later. In XX/XX/2019 I decided to review my credit report only to find that the advice that the XXXX representative gave me was not the best advice. My credit report showed 4 months ( XXXX, XXXX, XXXX, XXXX ) of late payments. I did not understand how this was possible because the representative suggested that I divide my payments over 3 months to become current but she never once mentioned that 4 months of late payments would be reported to the credit bureaus. I immediately reviewed my online account and my account was current but when I reviewed the transactions line by line I was charged a late fee for each month that I was on the payment plan.
I did not think this was fair at all so I contacted XXXX XXXX customer service department and explained all of the details of what had taken place to the customer service representative that I had been paired with for the current call. The representative apologized to me for the misunderstanding but told me that there was nothing that she could do about it, unfortunately. The 4 late payments on my credit report are weighing heavy on my credit report and credit score. I feel that I was misinformed by XXXX XXXX customer service representative causing me to make a poor decision. As a result of the poor advice given by XXXX XXXX customer service representative, I feel that XXXX should be willing to take some responsibility for the misleading information that their representative provided. If you suggest something to a customer you should at least communicate all of the terms involved with what you're suggesting to a customer which she did not do. Had I known that the payment plan would put me in this predicament I would not have agreed to it.
Since this incident occurred I have not had any more issues and I watch my XXXX account closely to avoid errors and mistakes in the future but I feel that it is only fair that XXXX grants a goodwill adjustment because the late payments were beyond my control.
07/13/2017
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
NY
11226
Web
XX/XX/XXXX, I made a purchase online on XX/XX/XXXX at XXXX XXXX XXXX, the next day I received an email stating that my purchase violated their sales terms and conditions. I called customer for an explanation and they provided none but stated they will refer to Research and Resolution Dept. My complaint is that I am being denied using my card online to make purchases because of an apparent unresolved issue with someone who live in my home. That is very unfair to me, I am being penalized for something I have nothing to do with. XXXX did not have a problem with me making a purchase in the store on XX/XX/XXXX with the store card. After getting the latest email from XXXX someone in my house did make a purchase in XX/XX/XXXX and was not even aware of being in a dispute with XXXX until I gave her the info I received. She will follow-up with them See email thread : XXXX, This order was cancelled because our records indicate the information you have provided was used in a previous dispute. On XX/XX/XXXX, XXXX XXXX XXXX order XXXX was placed using a XXXX. On XX/XX/XXXX, this order was disputed for a total of {$55.00}. Until this disputed charge is reversed through the bank, we are unable to accept future orders. You were not charged for your cancelled order. Any pending authorization hold will drop off your account in 5-7 business days, depending upon your bank. XXXX XXXX XXXX XXXX Research and Resolution My Response : Dispute : Good Evening XXXX, I am disputing the accuracy of the email /investigation that you have sent to me. I am not in any dispute with XXXX for {$55.00} on a XXXX. If I have to make any purchases from XXXX it is always with the store card. Please re-investigate. My XXXX card number is XXXX provide me with the information on the alleged dispute. What was the item? what specific XXXX was it? I await your response. XXXX XXXX XXXX XXXX response : Hey XXXX, This disputed order was shipped to your current address + unit number, and the card was a XXXX XXXX ending in XXXX. I can not release any personal details on the order, but if you or someone you live with disputed this order, it will have to be reversed before we can accept any future orders. XXXX Research & Resolution XXXX XXXX XXXX My Response : XXXX, I XXXX XXXX XXXX or anyone in my household has a XXXX XXXX XXXX ending in XXXX. XXXX XXXX and XXXX XXXX resides with me. I double checked by reviewing our XXXX account and no one in my household has a XXXX ending in XXXX. Again, you need to re-investigate. I will not be denied using my card when I want to because of a dispute that I am confident does not come from my household. If this is not resolved and I continue to be denied I will report XXXX XXXX XXXX to the appropriate over-site agency. XXXX XXXX XXXX Store response : Thank you for confirming the other residents in your household. Attached, I have a file of the disputed order summary. We are unable to accept any future orders unless this dispute is reversed by the card holder. XXXX Research & Resolution XXXX XXXX XXXX
01/03/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
OH
44004
Web
In XX/XX/XXXX call for me to parents landline phone, told mom, needed to talk to me about debt owed on XXXX credit card, took name and number, I returned call after work.spoke to XXXX XXXX.
4 and some dollars charged between XX/XX/XXXXXX/XX/XXXX on a credit card in my name, a XXXX card.
Explained was fraud, actually I thought he was a scammer because he kept asking for my Social security number. I told him to send all evidence he had and charges, where account was open so I could file identity theft and he agreed. Couple months later knew was scam because nothing ever came to address He had and where I still reside.
1 year later, I get a letter from debt collector, to call XXXX XXXX, again XXXX, call, am told he is not available, give them information from letter and Im told that account was paid in full in XX/XX/XXXX, made no sense but ok, because I knew wasnt my account. Days later I received another letter from same debt collector saying still owed XXXX, 30 days to dispute Mailed dispute on XX/XX/XXXX- calls kept coming to my parents-from XXXX XXXX on this debt, not me on my cell.and to date calling continuously 7 days a week Sent for my 3 credit reports, XXXX XXXX reported on all 3, and I had been trying to consolidate student loan debt ; was being denied, knew I owed nothing but student loans, Middle of XXXX received another dispute letter from debt collection agency XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX, called first spoke with a XXXX, then her Manager, again told me very sorry I hadnt received my dispute packet with all the documentation I requested, didnt know where it could be, had kept a copy with address sent to, and mailed correct.
Wrote dispute letter number 2, and included dispute 1, also reminded the manager our phone calls were all recorded and I dont know what there doing, but I am not paying someone elses account, or identity theft and fraud on me. Mailed second letter out certified mail and with tracking, date mailed XX/XX/XXXX As of middle of XXXX harassing phone call still continue, I HAVE NOT AGAIN RECEIVED ALL DOCUMENTATION REQUESTED SINCE XX/XX/XXXX, again XX/XX/XXXX, and again XX/XX/XXXX, spoke with A employee named XXXX, He said mailed out XX/XX/XXXX. I called Collection Agency again on XX/XX/XXXX, spoke again to XXXX about No information received, I let him know I need this off all my credit reports, Im doing everything I can and more, and again 3 months been waiting for all documentation requested.
Received packet on XX/XX/XXXX, One, ( 1 ) piece of paper a note dated XX/XX/XXXX on XXXX letterhead sent? to a residence where I lived over 3 years ago. And forms to fill out for fraud/ identity theft, Yes yes yes thats it, no type of documents, as I write this back to back calls come in from there debt collectors Have all my information ready including all documentation needed, will be mailing on XX/XX/XXXX Certified to debt collection agency, and all 3 Credit Bureaus Investigate, and remove from my credit reports, Im drowning in student debt interest, and This XXXX fraud account has to be corrected and removed.
11/30/2019
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
TX
75243
Web
I sent this letter to Comenity today and also transmitted it to them electronically. The date of the original purchase was XX/XX/2019 in the amount of {$59.00}. I sent a settlement payment, to be delivered on XX/XX/2019, in the amount of {$63.00} which is the original purchase amount, $ XXXX {$4.00} of interest.
XX/XX/2019 Customer Service Comenity Capital Bank dba COMENITY-XXXX XXXX + XXXX XXXX XXXX XXXX XXXX, OH XXXX Dear Customer Service : I am writing you today concerning my account and requesting that you close this charge card. I have had several conversations with your collections people, the first of which I thought was someone just trying to scam me into making a payment. I did not remember applying for your card and suspected that it was just another clever scam to get me to give financial information to the caller, who was requesting a credit card payment. I told the caller that I would research the charge and if valid I would remit payment. I unsuccessfully searched for statements and for the credit card that your representative said was mailed to me.
I went to the XXXX, where I shop, and they advised me that they could have opened the card at the register on a purchased to apply discounts. They asked for my account number, which I did not know. I kept receiving calls, exceptionally rude and less than professional, concerning the charges and again explained that I had not validated the charge or account they were referring to. I went to the Comenity website and did not see a listing for XXXX under store cards. I thought that it was strange that if I made a charge in XXXX, why you would wait until XXXX to call and inquire about this alleged charge. I then read the intention for credit establishment and started to understand the frequency and nature of your business model. This is not the type of credit that I need, and it appears to be predatory to those who do.
Nevertheless, I continued to search my records and found the receipt from the purchase that I made in XXXX. It did mention that it was placed on a card account, but I still did not know the account number. I searched my pile of mail to be shredded and found the credit card and the statements. I submitted a payment of {$59.00} plus {$4.00} in interest charges which my bank should send to you on XX/XX/2019.
I am requesting that you remove any negative credit reports that you may have placed on credit record. I am also requesting that you remove late fees, which in three months have doubled the original purchase amount, from my account. I am also requesting that that my account be closed immediately. You are not authorized to charge any of my financial accounts electronically, or any other manner, without my express written consent.
I would like for you to correspond with only written communications, on this and any other matter, from this point forward to the address provided above. Send your response to these requests and an acknowledgement of receipt of payment from my bank.
Sincerely, CC : XXXX Customer Service XXXX Ohio Consumer Financial Protection Bureau File
10/12/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MD
20876
Web
I called XXXX XXXX regarding to the XXXX XXXX XXXX card statement that was sent to me ( See Attached ). The credit card statement credited {$160.00} which made my credit balance {$500.00} and approved credit {$500.00}. I also received a reward for {$10.00}. On the website XXXX XXXX has {$100.00} available credit and I wanted them to explain how I spent {$390.00} out of {$500.00} credit ( See Attached ). XXXX XXXX reward system is misleading, false advertisement, credit card fraud and deceptive. XXXX allowing strangers to use my store credit card? Or rewards? I called Comenity Bank today and the customer service couldnt answer my questions protecting deceptive and misleading practices from XXXX XXXX. The customer service agent wanted me to blame XXXX XXXX customer service, Why? As the XXXX XXXX customer agent tried to explain the available balance {$100.00}, the customer service agent tried to add and subtract that I was credited {$160.00} - {$220.00} ( I purchased ) which left a credit balance of {$100.00}, as you can see that dont add up and it doesn't explain available balance, the incompetent by XXXX XXXX employees is disappointing and troubling and need to be investigated Like I said that dont explain the available balance {$100.00} as if I spent {$390.00}. Not only I dealt with such unprofessionalism, but one customer service agent tries to talk to me about the XXXX! WOW! Why hire workers that cant add or subtract, and very sarcastic and rude, I hung up the phone dealing with such abusive and nefarious behavior. As a XXXX with a XXXX XXXX I despise unprofessional, incompetent and nefarious agents as I experience by XXXX XXXX who hires account managers that cant count and take 3 months to resolve.
XXXX sent a letter to CFPB and I claiming they would straighten this matter out within 90 days however they proceed with the corrupt reward system which is fraudulent regarding to my purchases, most banks dont take that long to correct an issue. On XX/XX/2018, XXXX XXXX responded to the complaint that their dispute investigations may take up to 90 days to complete, and notification of the outcome will be sent by mail once the investigation has concluded, they are trying to be deceptive with their practices. Its my belief that they are trying to scam me they are not correcting their fraudulent reward system and credit balance.
I am filing with DOJ, FTC, consumer protection, scam alert and possible court legal options for retaliation. I am sending a copy of this letter to my Congressman, this is a possible scam, also. All my complaints with CFPB will be added to agencies and the court for legal options, also. I believe XXXX XXXX is stalling because they are discriminating against me due to my race and XXXX, no bank takes 90 days and yet still collect a monthly fee with trying to cover up their deceptive practices. XXXX XXXX Account manager incompetency and retaliation ( because I filed a complaint ) should not be hidden behind deceptive practices. CFPB and XXXX XXXX is not working to correct the issue with my reward points and credit card balance.
04/12/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
PA
17319
Web
I am not in agreement with the AUTOMATIC PAYMENT option that Commenity offers to credit card holders. The description of their process on line is not exactly how they calculate it and they are not detailed enough with their explanation. The overall process they perform does not seem to follow their description of the feature and can actually hurt a credit card holder by withdrawing too much money from their bank account to cover the credit card balance, therefore, putting the person in an overdraft position.
In XX/XX/2021, I signed up for the AUTOMATIC PAYMENTS feature offered to me as a card holder. My intention was to still use my bill payer at my bank to initiate payments and should the USPS not deliver my payment in time, I would be covered with the auto pay feature. My XX/XX/2021 statement had a new balance of {$230.00} due on XX/XX/2021. In XXXX I used my bill pay at my bank to pay the {$230.00}, which was applied to my credit card balance by the credit card company on XX/XX/2021. At this time I had satisfied my credit card balance due by XX/XX/2021. On XX/XX/2021, the credit card company withdrew {$90.00} from my bank account to pay the credit card balance. This means that I over paid my monthly credit card due to them pulling money from my account.
When I inquired with Commenity about this issue they stated that by signing up for the AUTOMATIC PAYMENTS feature, I authorized them to withdraw up to the NEW BALANCE amount of {$230.00} to cover any balance on the credit card, not just the current credit card balance. The amount of {$90.00} that they withdrew was actually to cover future charges I made that were not billed yet on my monthly credit card statement.
I do not feel the description of the automatic payment feature is truthful and feel it is misleading. The below are copies of the text in their website regarding the feature.
Automatic payments let you authorize an ongoing deduction from your checking account to pay your My BJ 's Perks World Mastercard Credit Card Account on your Payment Due Date. You may schedule an automatic payment of your Minimum Due, My Balance or an Other Amount of your choice. When you do, you will receive an email reminder 10 days before the payment is withdrawn from your checking account. Then, on your Payment Due Date, your payment will be paid according to your chosen payment option -- -no stamps, no late payments, no worries. Go to Automatic Payments. Not signed in? Sign in now.
My Balance will include the total of your regular revolving credit plan purchases, cash advances and past due amounts plus minimum payments due for any promotional plans. If you have a promotional plan, you may need to pay more than the minimum payment due to pay off the promotional plan balance during the promotional plan period to avoid additional finance charges. You may need to set up additional payments to ensure these promotional plans are paid off before the end of the promotional period.
If your billing statement 's " New Balance '' is XXXX, no automatic My Balance payment will be withdrawn for that month.
05/27/2018
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Fraud or scam
CA
95348
Web
I opened account will PayPal credit an was using electronic billing statements to view an keep track of PayPal credit. My first purchase went through fine and I made sure PayPal payment method was pointed to my debit card. After second purchase went through my payment method was changed back to PayPal credit. I XXXX XXXX XXXX XXXX XXXX an I say they tampered with my account. They refused reversal an I was forced to contact seller for reversal. I fixed that issue on my own, another problem fallowed one after the other. When I started PayPal credit to told me in order to make payments to PayPal credit. I had to go out of my way to get them bank account routing numbers or mail them a money order. So I opened new account with XXXX XXXX. My first payment went through fine. My second payment was declined by the XXXX XXXX with funds in account. The XXXX did this without putting it in writing. That they no longer offer bill pay services just 30 days after I started account with them. I sent out money order after XXXX XXXX declined my payment ... Right after bill was declined PayPal would no longer let me view the electronic billing statements for the PayPal credit services. They started out by saying there is a security issue. They blocked my public IP address an I had to use VPN to regain access to view PayPal account. Later they told me mix words security issues we are updating our policy an our web site and it took them 60 days. Once they reopened my account billing statements for PayPal credit they were still gone. They refused to tell me anything except for the very last second. When they already sent my bill to the collection in PayPal credits private collection agency. I ask them what happened they said we never got your payment. I sent {$150.00} money order by mail and on record I never made payment 's I always paid the full amount. Despite them losing my money order they hid my billing statements refused to mail it or show electronic statements. They also from the very beginning refused all debit card 's an said they are not allowed to be used to make payments with our PayPal credit services. That I needed bank routing numbers or check or money orders. As I was speaking with there collection the guy just said we take debit cards. I go what?!!! you made me get another bank account to make payments. The guy said no we can take Debit cards over the phone, who told you that? Here we go now I have provide evidence. I ordered them to close account in order to save my credit report. They took {$150.00} from a XXXX person an I pay my own medical bills. I made a complaint to XXXX and later on the phone with PayPal they said we are PayPal credit. I also found out PayPal owns XXXX XXXX an caused billing failures from all directions. I never given a chance to cover {$60.00} on fast-food. It's only thing causing interest. So XXXX XXXX, PayPal an PayPal credit work together to cause me hardship. This bill is 60 days old because PayPal lock it down for 60 days an they still refuse to let get copies of billing statements for PayPal credit services.
03/05/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
77479
Web
On XX/XX/XXXX, XXXX XXXX submitted an online payment to Comenity Bank to pay off balance on an interest free promotion program. I contacted the bank several times on XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after noticing that my XXXX XXXX Bank records showed that the check had been received but had not been cashed. I called XXXX XXXX on XX/XX/XXXX to find out the status of my payments and the representative contacted Comentity Bank on a recorded line which has since been transcribed as proof of payment for me. The Comenity Bank representative stated that they had not received the check and that it might have been lost form the lockbox. It was suggested that a stop payment be issued. and an ACH be issued instead. The amount that I was told was due was {$140.00} and XXXX XXXX provided the Bank XXXX routing information and I provided my account number and authorized the payment. The Comenity Bank representative provided me with a confirmation number and told me that I would receive a statement showing a zero balance due. The statement I received in XXXX reflected interest and late charges for non payment. I contacted Comenity bank on XX/XX/XXXX and was told that there was no record of any payment ever being issued. I issued a dispute and 3 days later, I was reported to all 3 Credit Reporting Agencies as having a delinquent payment. I contacted Comenity Bank Customer Service on XX/XX/XXXX and was told to issue a letter to the Disputes Department. I received a letter dated XX/XX/XXXX from Comenity Bank stating the wire payment in the amount of {$140.00} was not processed due to a system processing error. Comenity Bank now maintains that I owe {$170.00}. I refuse to pay more than was told that I owe Comentity -- I will jot pay finance charges that are due to Comenity 's inability to collect checks from their lockbox and to process a wire. Furthermore, my request to Comenity to rectify the wrecking of my stellar credit record has gone unanswered. Reporting an account in dispute to the credit reporting agencies is against the Fair Credit Reporting Act. I have sent certified letters to XXXX XXXX as we'll as to Comenity 's Bank Dispute Department and the response form the Credit Department is to the effect that I owe finance charges due to the expiry of the promotion balance. If. Comenity was able to deposit checks from the lock box and/or figure out how to process an ACH payment, there would be no finance charges. I refuse to be charged for Comenity 's Banks negligence and ineptitude. I have filed a formal compliant to the XXXX of OH and have made Comentity Bank aware that my complaint of the same nature has been filed by thousands of their card holders. All of this has fallen on deaf ears. Just today, XX/XX/XXXX, I received a letter from Comity stating that the investigation of my third dispute has concluded and that I owe finance charges despite the fact that on XX/XX/XXXX, the Bank acknowledged in a letter dated XX/XX/XXXX that my wire payment on XX/XX/XXXX had not been processed due to a system processing error.
07/02/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Other personal consumer report
Problem with a company's investigation into an existing issue
Their investigation did not fix an error on your report
FL
33909
Web
Older American, Servicemember
Your prompt is not asking for the right questions. My complaint is Fraud and misrepresentation.
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX To Whom it may concern : I am writing this letter on behalf of the many thousands of consumers who would never take the time to do so.
This letter will represent itself and all the many charges against The Home Shopping Network. Not legally charged with, but did legally occur 1. Misrepresentation of goods and services 2. Fraud 3. Selling products they dont have 4. Not being able to or equipped to resolve consumer complaints 5. Continuous and inaccurate or disputed credit reporting by Comenity Bank and HSN ( My complaint as well ) 6. Poor quality control 7. Items not refunded 8. Items not working when received and refused to take back 9. False Advertising 10. Items considered poorly manufactured 11. Items delivered damaged 12. Company grants coupons, but will not accept them 13. Kept charging customer after payment was received ( My complaint as well ) 14. Would not provide transaction info to verify accuracy of payment or services provided ( My complaint as well ) 15. Taking advantage of XXXX and XXXX older consumers ( My complaint as well ) 16. Charged customers for items not received 17. Selling defective items 18. Holding themselves non-accountable ( My complaint as well ) 19. HSN or Comenity Bank tells you that your account qualifies for Flex Pay but never gets there 20. Promise additional items at point of sale. But dont deliver 21. Consumer tries to use an affiliate Credit Card and cant 22. Stealing Customers money 23. Orders are cancelled without consumer knowledge 24. Money to pay for HSN credit card is deducted from consumers credit info on file without their knowledge They personally reported false information for 2 years at the Credit Bureau causing great financial burden to myself and my family. The information was inaccurate and disputed. But they reported it anyway.
I finally paid them off to get rid of them and there still reporting derogatory information in regards to my account. The credit bureau is just a co-conspirator in these events because HSN and Comenity Bank pay the credit bureaus monthly and I dont pay them anything.
Companies like this should not be allowed to operate in these United States. You hear frequently about scam opportunist or scam companies. But its hard to believe we have one in our back yard The charges and allegation made on this letter come from myself and 22 legitimate websites that review companies like HSN and Comenity Bank. Of the 900 plus companies they have reviewed, they consider HSN in the 300 of the worst companies operating in this Country. I will upload the 22 documents to your site upon completion of this complaint.
Some of the verbiage in these documents are grievous, liable and should be addressed with the greatest concern for consumer public safety. I know from previous complaints to your company. Your results lack of the best intention to the consumer. I hope this will not be then same for this matter.
Page 1
12/03/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
FL
34134
Web
In late XXXX I bought several thousand dollars of furniture from XXXX.
I had an agreement to pay the furniture off without interest. I understood the payments to be due no later than XX/XX/XXXX. I made payments monthly prompted by an email sent to me. An email came monthly from XXXX XXXX stating your payment is due. I set the date for payment on the automated system and kept track of my payments as I was eager to pay the balance due before the end of the initial term.
In XX/XX/XXXX with a balance due of {$610.00} I made my final payment.
I was subsequently sent notification that the end of the time period to pay without interest had lapsed in XXXX. I was told that I should have looked at my statements to know this. However, I've repeatedly explained that the emails and statements I received and responded to monthly were not clear about when the term would end to pay the loan in full without interest. I have paid off such loans before and it has always been clear when funds were due without interest. I feel the information was hidden from me by virtue of my having to click through several layers of information on line to see this deadline ... rather than clearly stating the deadline was coming in the email itself or certainly on the page where I set up monthly payments with my bank.
I have called the company every few weeks since early this year to settle the matter and negotiate a settlement with the Bank. The people who work there are completely incapable of helping. They listen, put me on hold, send me to another person, who states they can help and they really are not able to do so.
As the months have gone on XXXX/XXXX XXXX just keeps adding more interest and more late fees to the account. Where I owed {$610.00} in XX/XX/XXXX, I now owe {$1100.00}.
Late fees and interest are added monthly.
They instructed me several months back to go on their website and explain my issue in their consumer center. I did so. I waited for an answer. First they did not answer. Then they answered in a general letter, but never addressing my specific problem. I called again asking if I could negotiate with someone in collection as months had gone by as I am willing to make a payment of some kind. By that time I was 6 months in arrears. They told me they would issue me a credit ( which they did not ) and reset my delinquency back to month one, explaining this would help me. Of course, it did not help me. While this is going on, I have received a 100 robo calls or more all day long on my cell phone and home phone number. During the robo calls no one who calls me has read the details written by the various employees who I had already spoken with. At one point, the robo caller suggested I " contact a lawyer before it is too late. '' I have been eager to settle the matter for months.
Can you please help me find a solution. I feel they have dragged me on intentionally with all my calls and all their robo calls just to add more interest and add more fees. I've read about them on line too and see they are known for these kinds of actions.
07/23/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
FL
33455
Web
Older American
My partner and I went on the XXXX XXXX cruise ship out of XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX. We stopped in XXXX XXXX, the first port on the itinerary.
According to XXXX 's Shopping Guide, she highly recommended XXXX 's XXXX for their quality jewelry and discounted prices. We took her advice and stopped in XXXX 's XXXX in XXXX XXXX to purchase two ( 2 ) XXXX XXXX watches.
After selecting the watches we wanted to purchase, we were ready to check out. However, the salesmen brought us to a jewelry counter and provided us with seats and proceeded to open champagne, and showed us jewelry we had no interest in. We told them we could not afford anything they were showing us. After several glasses of champagne, we were not thinking clearly ( XXXX ). And we were not in any frame of mind to make any major purchases.
We told the various salesmen who were at our disposal, that we are Senior Citizens with low fixed incomes, and we did not want to purchase anything, except the two ( 2 ) XXXX XXXX watches.
We were extended credit that we never should have qualified for. However, we left this store with {$150000.00} of unwanted jewelry which is a perfect example of their predatory business practices.
While at XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, we were not told of their return and refund policy. We tried to return the jewelry the next day in XXXX, and we were informed there were no refunds, only a store credit could be issued.
We have been deceived by XXXXXXXX XXXX XXXX XXXX salesmen. They took advantage of two ( 2 ) Senior Citizens, and never told us of the no refund store policy, only a store credit would be issued.
When we returned home from the cruise we had contacted Kerryclare, Customer Service Rep in the Corporate Offices of XXXXXXXX XXXX XXXX in XXXX XXXX XXXXXXXX. To return all the jewelry we couldn't afford, she offered us a store credit of {$150000.00}.
We had all the jewelry independently appraised which cost {$2600.00} and sent copies to XXXX. Apparently, I needed to have the jewelry appraised by an approved appraiser on XXXX XXXXXXXX XXXX list. XXXX gave us an appraiser on her list.
We brought all the jewelry to XXXX XXXX ( XXXX XXXX approved appraiser ) and she said she would get back to us in a couple of weeks. XXXX called us saying she could not do the appraisal because of XXXX XXXXXXXX XXXX failure to send her a price guide, even after repeated requests on her part with XXXXXXXX XXXX XXXXXXXX.
We have done everything we possibly could to remedy the situation. We have lost complete faith and trust In XXXXXXXX XXXX XXXXXXXX. By the way, XXXX left XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. Now, XXXX is the new Customer Service Rep in XXXX XXXX XXXXXXXX.
This ongoing saga has left us both physically and emotionally ill. The only recourse left is for XXXXXXXX XXXX XXXXXXXX to take back all their jewelry and issue us a full credit to our accounts. This has been a grueling and unpleasant situation for us.
Thanking you in advance for the attention you give to this matter.
Sincerely, XXXX XXXX XXXX XXXX
10/06/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
OH
43017
Web
I purchase a dog from XXXX in XX/XX/XXXX. I was told to purchase the animal I needed a XXXX Credit Card through Comenity Bank. I was also told by the store employee I qualified for a 2 % interest rate on the credit card. I made the decision to purchase the animal with the credit card I was told was 2 % interest. I signed documents and was sent home with my animal and copies of my documents.
In XX/XX/XXXX and XX/XX/XXXX I called XXXX because I had never received a statement or my credit card in the mail and was having to make payments over the phone. They ended up not having my correct address because they forgot to add my apt . #. In total they sent me 3 credit cards in the mail and had to cancel 2 of them and I finally received one of them along with a statement in XX/XX/XXXX. Upon receiving my credit card I opened my online account and upon receiving my statement I made a payment. When I looked at my statement I noticed I had been charged 29.9 % interest on my account.
Beginning XX/XX/XXXX I started trying to rectify the issue with the incorrect interest rate they were charging me and I am currently still unable to reach a resolution with Comenity or XXXX as of XX/XX/XXXX.
In XXXX of XXXX I spoke with XXXX, a supervisor from XXXX XXXX who told me that I had " signed paperwork in the store agreeing to 29.9 % interest. '' I informed her I was told it was 2 % and also that I never signed any forms about interest rate in the store. I pulled out the folder they had given me with copies of all my paperwork I signed and the very last page, which was the credit account sales receipt that i should have signed was completely blank. I had never signed this paperwork in the store because they had never shown it to me. In XXXX of XXXX I was told they had " a copy signed by me. '' I asked for an email copy of this and the copy they sent me does in fact have a signature but it is not my signature. The signature is not only mine, but looks nothing like any of the other signatures i signed on the rest of the documents.
All throughout XX/XX/2020-XX/XX/2020 I have talked to upwards of 15 different people, supervisors, fraud departments, the actual store, managers, and customer care. Each person has given me different excuses, answers, or steps to take. No one is willing to take blame as XXXX says its Comenity Banks fault and Comenity says its XXXX fault.
In XX/XX/XXXX XXXX told me that i need to " prove the signature isn't mine and it is going to be hard to do that. '' The proof I have is that the copy I have is blank meaning I never signed it and the copy they have is a forged incorrect signature. They claim this isn't " good enough '' and that they will just say they " forgot to give me the right paperwork. '' I have asked for the interest to be removed that I have accrued since last XXXX and no one is wiling to do this. I have since closed my account but I am looking for resolution with the interest rate as it has been almost a year and I have accrued just as much interest as I have in the amount i have paid towards the card.
02/02/2018
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt is not yours
TX
78727
Web
After reviewing an ad on one of those weekly newspaper circulation in XX/XX/XXXX about permanent hair removal, I decided to visit the company XXXX XXXX to participate in a trial consultation. The advertisement said permanent but forgot to mention that this applies to XXXX XXXX ( ONLY ) which is what I found out during the ONE and ONLY Visit ( consultation ).
After smelling like a burnt rat for a couple of hours and discomfort for a couple days.
I was told by the technician that it would get better after a couple visits.
After considerable reflection on the Pros and Cons of getting the hair removal, the smell of burnt hair and the pain associated with the treatment, I decided to cancel the contract.
I was told it would be at NO COST if cancelation was completed within 30 days.
I personally when back to the XXXX XXXX XXXX and cancelled the treatment they check the system and said it's completed and I will receive a letter in the mail indicating my withdrawal ( cancelation ).
What came in the mail after the 30 days was a bill for the full amount {$2500.00} I called the number on the bill in an attempt to cancel and I was told that it was too late even though the services and/or treatment was never used, the so called plan was expired in XX/XX/XXXX and by then XXXX /XXXX XXXX had accrued interest for a total of {$370.00} bringing the bill to a Grand Total of {$2700.00} Since then XXXX /XXXX XXXX has changed employees and even though there system still shows that NO Billable Services used or funds debited against this account from inception, they sold the debt to another company by the name of XXXX XXXX who continues to call every single day since, in an attempt to collect.
I have tried disputing this charge several times but the phone calls continues.
My credit is now ruined as a result and it's now difficult to retain a decent interest rate of anything I procure.
This is unfair and I believe someone should really take a serious look at XXXX XXXX and there reporting practices since they are at an advantage on the rules and regulations with regards to Credit & Fico Scores versus an individual.
Who gave XXXX and/or these conglomerates the right to report without the facts being correctly censored.
This is now affecting my life and the livelihood of my family.
I refuse to pay because I have NOT used these services yet I am the one being punished by high interest rates and a derogatory credit.
My question to XXXX XXXX is where is the {$2500.00} because the cash was never given to me, nor was it used by me as intended?
XXXX XXXX principal responsibility should be to return the funds back to XXXX XXXX as unapplied cash. Why isnt XXXX XXXX not going after XXXX Image for there money.
The default and derogatory credit should have been placed on Ideal Image and/or there account NOT on me, because I never used the services, as I withdrew from the treatment prior to the 30 day window.
Thank you very much for providing a forum for complaints, not sure what you can do but I am thankful for the support.
06/06/2017
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Confusing or misleading advertising or marketing
WI
53218
Web
I faxed the information below onXX/XX/XXXX and again on XX/XX/XXXX. Esch time i called to follow-up it was never received. This is my third attempt. If you have to post this information please remove my personal information. Thanks.
XX/XX/XXXX From : Consumer XXXX XXXX To : Consumer Financial Protection Bureau Re : PayPal Credit Promotional offer Dear CFPB.
I received the enclosed email from XXXX regarding a PayPal credit promo on XX/XX/XXXX. The email instructions were, if I were to make a purchase through XXXX in the amount of {$600.00} or more using PayPal credit at checkout, I would have 24 months to pay off the purchase amount.
The next day I made a purchase in the amount of {$630.00}. As usual I received a follow-up email from PayPal stating, due to the amount of the transaction I received a promo offering 6 months no interest to pay off purchase amount. I called PayPal and explained that the offer from the email was for 24 months and not 6. The person told me he would write up my concern and bump it up to the investigation team and I would hear back from them through an email. I never received a response so I called again and was told it takes at least 6 days for them to investigate the situation. I waited, still hadnt heard anything from PayPal so I called again on XX/XX/XXXX and spoke with XXXX who this time, asked me to forward a copy of the email to her, so I did. She then transferred me to a supervisor by the name of XXXX, who proceeded to tell me that I was supposed to select the 24 month option. I explained there was no option for me to select from. XXXX said I was supposed to go into the terms of the offer and select from there. I said to her there were no instructions indicating I had to select anything. I said I have never selected anything before the promo just automatically was applied with the option of me declining if I chose to do so.
My complaint is that the promo offering the 24 months payments with no interest if paid in full at the end of the 24 month promotional date never instructed a selection had to be made in order to receive the 24 month promo. All the terms info explained was the interest rate of the promo would default to 19.99 % on any balance amount that was not paid in full at the end of the promo period.
I couldnt get anywhere with XXXX so Im wondering if there is anything else I can do about this. I made the purchase believing I was going to have 24 months to pay it off and now I only have 6 months to pay off the balance.
Today I received a email from PayPal stating that I might have received an incorrect email regarding my PayPal Credit which I have also included. It 's too late to inform me of that now, the order was already placed and I was committed to make payment which is what I did using my PayPal Account. The seller was notified of my paid purchase.
I appreciate any help or advice you can provide that would help me with this situation.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX phone
12/04/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NJ
08107
Web
I opened an XXXX credit account on XX/XX/XXXX for a purchase of {$46.00}. At the time I opted for paperless billing. I assumed, like my other accounts, I would be sent an email indicating when the payment would be due. It was XX/XX/XXXX and I realized I never heard anything from XXXX so I went online and registered for the online account access only to find mind bill was past due and I was charged a late fee of {$27.00}. When I contacted them by phone the representative explained to me that they don't send you anything to let you know when your bill is due if you opt for paperless billing. I explained the situation and they agreed to wave the fee and obviously I asked to go back to paper billing so I would know when my payment was due. I also made a {$30.00} electronic payment to the account. I received the paper bill in XXXX still showing the full balance of {$46.00} due. I assumed I had made a book keeping error and had neglected to make the payment to XXXX so I went ahead and made an electronic payment of {$46.00} that way the account would be paid in full. When I went back and checked my banking statement I found that I did, in fact, make the {$30.00} payment in XXXX so at this point my balance with interest was just {$18.00}. I called and spoke to a representative and asked that they just take the payment of {$18.00} and refund me the {$28.00} I overpaid. He said he took care of it. So I assumed at that point my bill was paid off. I then get the XXXX statement for a bill that was due on XX/XX/XXXX. That had a balance {$38.00}. It was the {$18.00} again plus another {$20.00}. XXXX of fees. So I make another call and spoke another representative who told me the previous person refunded the entire {$46.00} payment and never applied any money to the actual {$18.00} balance. So I paid the {$18.00} at that time on XX/XX/XXXX with the lady on the phone. I then asked her if I finally had a XXXX balance. She said yes, my balance was XXXX. I received my XXXX statement which indicated I now have a {$45.00} balance. They were still trying to charge me the {$20.00} of fees and added an additional {$25.00} worth of fees. When I called this time I asked to speak to a supervisor. I spoke to XXXX ID # XXXX. He told me that he wouldn't do anything because my payment was late. He took no responsibility for the fact that my bill would have been paid off in XXXX if his employees did their jobs correctly, not to mention the fact that I had no way to know these payments weren't applied correctly until I received my statement rendering it impossible for me to make payments any sooner than I did. I told him this was unacceptable and asked to speak to someone in a higher position than his. He said there was no one above him, and that I could not even file a complaint over the phone I needed to file a dispute on their website, however XXXX XXXX website has no where to file a dispute. I should not have a negative impact on my credit score over a balance of {$46.00} because of XXXX XXXX severe lack of competent customer service.
09/09/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
GA
30016
Web
I have a XXXX XXXX credit card that was issued by Comenity Bank. The card can be used at XXXX 's as well. I have used this card for over 15 years and never had problems until earlier this year.
The problem I'm having is that my account is not being credited for returned merchandise.
Listed below is a breakdown of the purchases and returns in question : Order Placed Return Date Amount XX/XX/XXXX XX/XX/XXXX {$14.00} XX/XX/XXXX XX/XX/XXXX {$17.00} XX/XX/XXXX XX/XX/XXXX {$23.00} XX/XX/XXXX XX/XX/XXXX {$9.00} XX/XX/XXXX XX/XX/XXXX {$24.00} XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XX/XX/XXXX {$24.00} XX/XX/XXXX XX/XX/XXXX {$4.00} XX/XX/XXXX XX/XX/XXXX {$4.00} XX/XX/XXXX XX/XX/XXXX {$32.00} XX/XX/XXXX XX/XX/XXXX {$26.00} XX/XX/XXXX XX/XX/XXXX {$26.00} *Order was cancelled because item was not in stock. Account was never credited.
I have several attempts to reach XXXX 's customer service and Comenity Bank. They keep pointing fingers at one another. Comenity Bank claims they didn't get the credits for the returns in a timely manner, resulting in accrued interest and late fees that were assessed against my account. There should not have been interest charged because I was utilizing their deferred interest plan. I paid all of the bills long before the 3 months no interest period expired.
I received a letter from Comenity Bank dated XX/XX/XXXX that stated XXXX 's had not received my returned merchandise. However, I have attached a copy of order pages from XXXX 's website showing all the payments I have made and the 11 items that were returned. The taxes I paid were never refunded. Also, I have not made any purchases since my last order on XX/XX/XXXX. On XX/XX/XXXX, I reached out to a XXXX 's representative named XXXX via e-mail and sent the following : Dear XXXX : I have a problem with my account that I hope you can help me with. I have returned some items I bought from XXXX 's, but I have not received return credits on the charge account statement that comes from Comenity Bank. Your company shows my balance is {$330.00}, but when I rechecked my statements and orders, figuring in all of the refunds, the balance is {$230.00}. There appears to be miscommunication between XXXX 's and Comenity Bank. I have taken the liberty of including the order information in question below - please scroll down. If I can be of further assistance, please do not hesitate to contact me. She did not respond.
I received letters from Comenity Bank between XX/XX/XXXX and XX/XX/XXXX respectively citing they were still investigating the situation. Then, on XX/XX/XXXX, I received a check for {$400.00} from Comenity Bank. I was happy that the nightmare was over!
Or so I thought. I cashed the check on XX/XX/XXXX, then my bank informed me that on XX/XX/XXXX, the check was returned unpaid! I live on a fixed income and this resulted in overdraft fees assessed by my bank. My husband had to give me money to help cover the deficit in my account. At this point, I am reaching out to you in the hopes that you can assist me in resolving this issue.
04/27/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
FL
33611
Web
Servicemember
I purchased treatment packages on three separate occasions from the XXXX XXXX XXXX XXXX XXXX location off of XXXX XXXX ( which is no longer open ) in the past two years. I pay my bill every month, on time, sometimes early, and sometimes more than the minimum. I had received notifications of finance charges upwards of {$700.00} and {$800.00} previously and did not think it was odd because I knew the APR was around 26 % or 29 % so I assumed charges would be around that at the end of each year. I was just charged an additional {$1600.00} on XX/XX/18 because XXXX XXXX ( who the financing went through ) and XXXX XXXX claim that the purchase cost of my package was only good for 24 months. This was never told to me, on THREE SEPARATE OCCASIONS. I was never told that I needed to pay the full $ 2500- {$4000.00} within a 24-month period. For many reasons, this whole situation is wrong. They were never transparent about the 24-month deferment period, they never explained that the promotional pricing is only valid until the plan " expires '', and they never explained that I would be charged the full remainder of their version of the plan if the promotional amount wasn't paid in full by the end of the 24-month period. I cited my income on my initial application and there is no way anyone of that income level can pay off these amounts in 24 months. XXXX XXXX and XXXX XXXX know this and yet they approve huge credit lines, above what is necessary so they can charge these crazy interest fees. XXXX XXXX rep XXXX simply apologized that it was never explained to me but said there was nothing they could do. To charge a 29 % APR and not tell someone the price they agree to pay would expire in 24-months is complete lack of transparency and I'll go a step further and say that this is also false advertising. XXXX XXXX plays commercials on the radio stations all the time that falsely state certain packages are free or specially priced and when you go into the office to purchase them, they give you this big schpiel about how lucky you are that you came in during this time for special pricing on all areas. They never once, in THREE separate purchasing occasions ( in that office specifically ) explained or told me the plan would expire after 24-months then I'd have to pay an insane amount of interest accrued according to them over those same 24 months. This is robbery. First they charge you for the service, then don't tell you those charges expire, and instead you end up paying thousands of dollars on top of the service. They should only be charging for the service and nothing else. Also XXXX XXXX, out of nowhere, last year, closed my account without notifying me or giving any explanation. The only way I knew was because I check my credit report regularly and saw that the account was closed without my knowledge. XXXX is wrong in this situation and so is XXXX XXXX. They are pulling a huge scheme and just keeping good people that pay their bills in debt. Please help sort this out and hold these terrible businesses accountable.
05/25/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Credit monitoring or identity theft protection services
Billing dispute for services
MI
48301
Web
In XXXX, I recently opened up a XXXX XXXX credit card through Comenity Bank. I purchased around {$19000.00} of furniture from XXXX XXXX and received my first bill for {$6000.00} in XXXX of XXXX. The bill was due on XX/XX/XXXX and we mailed out the bill on XX/XX/XXXX for the full balance of {$6000.00}. Yesterday ( XX/XX/XXXX ) I received my second bill and the bill said I owe {$29.00} late fee and {$210.00} interest charge. I thought there must be some kind of mistake so I promptly called XXXX to discuss my bill. XXXX said that. they didn't receive my first payment until XX/XX/XXXX, which was 5 days late. I explained that we sent out the bill a week before and that should be plenty of time to receive the payment. Our bank withdrew the money on XX/XX/XXXX. We explained that it's not our fault if the post office is running behind. Since we are a new customer with great credit and spent a lot of money at XXXX XXXX, we asked if they could please refund the interest charge and late fee. They said we can refund the {$29.00} late fee but not the interest charges. They said we shouldn't have sent the payment through the mail, it's not our problem. I have never received such HORRIBLE customer service from any credit card company. It's not our fault that it's COVID and the mail is running behind. We shouldn't be penalized from using the post office. We went to support them during this difficult time. After I didn't get anywhere with the first agent at XXXX, I asked to talk to a manager. The next person, said the same thing and was very matter of fact. I asked to be transferred to highest person that was available and I wouldn't get off the line until I got a reversal on the interest rate charged. I waited on line for over an hour without being connected to next manager. I hung up the phone and called again and again got the same response. XXXX didn't say I'm sorry that we can't reverse the charge, they just basically said your out of luck. I hung up the phone and researched if their were complaints about XXXX and found thousands of complaints about the company and that they had horrible customer service. And I saw that they had numerous law suits as well. In addition, I received a robo call a few weeks ago and I could barely understand the recording. But I listened to the call again today and it seemed to be from Comenity Bank saying we call help you with your bill but I thought it was a call from a company trying to rip me off. I have never had an issue with paying my bill and felt that I was treated horribly being a brand new customer who pays their bills in full. I shouldn't be penalized for the delay from the post office. I would really like a refund for the interest charges and I really want the company how horribly they treat their customers. I will tell everyone not to get a credit card from them. I also want others to know about this terrible company. Thank you so much for you help in this matter. Also, we just paid off the next bill in full om XX/XX/XXXX so we wouldn't incur anymore interest charges.
09/01/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
11580
Web
Older American
To : Consumer Financial Protection Bureau, Attn : CFPB Ombudsmans Office, XXXX XXXX XXXX. XXXX, XXXX, D.C. XXXX From XXXX XXXX XXXX Cell : XXXX Email : XXXX Re : XXXX Case XXXX XXXX I am requesting your assistance in resolving the apparent fraudulent use of a MasterCard ending in XXXX by XXXX and/or XXXX or persons unknown in their systems which allowed them to claim a refunded tickets from XXXX in the amount of {$1000.00} as described below.
On XX/XX/XXXX I purchased online round trips tickets to XXXX, XXXX through XXXX.. My departure date was to be on XX/XX/XXXX from XXXX XXXX New York ) to XXXX ( XXXX ), XXXX. My return flight was to be on XX/XX/XXXX from XXXX ( XXXX ), XXXX to XXXX ( New York ). XXXX used my primary Visa credit card in their system ending in XXXX. Shortly after that XXXX went into to lock down due to the Covid-19 pandemic. All international flights coming to and from the United States were grounded due to Covid.
XXXX Itinerary : # XXXX and the XXXX Ticket : # XXXX On XX/XX/XXXX, I rescheduled my itinerary due to the Covid lock down through XXXX. Apparently, XXXX assessed a small rescheduling fee of {$17.00}. Instead of using my primary Visa credit card in their system XXXX and/or XXXX or persons unknown in their system used a MasterCard ending in XXXX. I don't possess this MasterCard nor is it a listed as a secondary card in my XXXX account.
XXXX Itinerary : # XXXX and XXXX Ticket : # XXXX On XX/XX/XXXX I canceled my travel plans because XXXX was still in Covid-19 lock down until XX/XX/XXXX. I requested a refund from XXXX back my primary Visa credit card in my XXXX account ending in XXXX. XXXX refunded to {$1000.00} on XXXX XXXX, XXXX back to the MasterCard ending in XXXX because it was the last card of record in their system. As stated above, I do not have a MasterCard ( XXXX ) nor is it listed as a secondary on my XXXX account. When I questioned XXXX about the refund, I was told to contact XXXX. When I contacted XXXX, I received a summary email of the transactions in their system stating that my refund was directed to MasterCard ending in XXXX because it was the last card of record. When I questioned XXXX again they insisted that the Master carding in XXXX was my credit card. They absolved themselves any further responsibility in returning the refund to my primary card Visa in their system card ending in XXXX. Neither could they explain why this MasterCard ( XXXX ) was used instead of the Visa ( XXXX ) to pay the rescheduling fees. It is my opinion either XXXX, or XXXX, or persons unknown in their system fraudulently used their MasterCard ( XXXX ) to pay the rescheduling fee thus becoming the credit card of record in the XXXX system which allowed them to collect my refund. Your assistance in this matter would be greatly appreciated.
Attached files : 1 ) XXXX statement explaining the transactions from XX/XX/XXXX ( TKT XXXX and TKT # XXXX ) to XX/XX/XXXX as well as their refund to MasterCard ending in XXXX.
2 ) A list of my current and closed credit cards from XXXX.
07/14/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NJ
07091
Web
This is not a duplicate complaint, please do not flag this as such.
I am XXXX XXXX, and I alone, am submitting this complaint.
I am not willing to be the middleman in this issue, as it is ultimately between you as a Data Furnisher ( XXXX - XXXX ) and the CRAs.
XXXX - XXXX, is the Tradeline The request is to fix your data and in compliance with Metro2 data standards, so the record in your system - produces itself in a file then sent to a consumer profile/report correctly or delete it.
Please let this complaint, reiterate the Do not Contact request previously supplied to you, except and as allowed through this portal, and then the laws that govern them.
This complaint, nor the previous one - was never a request to validate any alleged debt. Instead, it is and was based on this Data Furnisher ( XXXX - XXXX ) reporting inaccurate, incomplete and then misleading data intentionally - to CRA 's, and have failed to respond to the noted issues.
The responsibility of a Data Furnisher, I am relying on is based on FCRA FDCPA and e- cfr.
https : //www.ecfr.gov/cgi-bin/text-idx? XXXX & mc=true & XXXX & XXXX For the CRA 's - Its simply FCRA.
XXXX Score Calculations are based on 5 elements of a Tradeline, or Tradelines existing in/on a consumers profile/report. I have attached the description from XXXX as XXXX XXXX Ingredients, the source. XXXX Scoring calculations, are not different for each CRA.
Payment History Amount of Debt Length of Credit History Amount of New Credit Credit mix Understanding this by then sending data to a CRA, maliciously / intentionally / or ignorantly data, that should be known with forethought, validation and oversight / QA, as the result becomes almost unreasonable to me, and then industry, governance, legal and compliance expectations. It is not until missed payments, collections and the like occur does the data go so far south that one must question its intent.
IT testing, when files are sent or built, are part of a typical SDLC where expected results are defined. Comenity - XXXX is in acceptance of the demonstrative issues in this complaint, or any previous as their normal standard of delivery - and standards.
I will also share what I have learned, painfully, for and to all consumers who see your entity on their report for this journey.
Please Fix the tradeline so that the data collected from your systems, is produced in a file that is Metro2 compliant, sent to a CRA, and then as a Debt collector - or delete it.
The Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out.
XXXX in theory verifies the true expected results XXXX is saying is acceptable.
See attached, for specific complaint details.
This complaint is based on FCRA and FDCPA.
Metro2 guidelines are the standard.
DOFD/FACRA Date, FCRA - accuracy in reporting, Charge off balances, Pay History - Balance History and Rating History - and false/malicious data - being reported on my tradelines at all 3 CRA 's They are included in this complaint.
02/21/2019
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Problem getting a working replacement card
NC
27105
Web
On XX/XX/XXXX I paid my " XXXX XXXX XXXX XXXX '' credit card balance in full. Shortly after I noticed there was a purchase made on the account that I did not complete or request. I cancelled my card via the automated system and contacted XXXX XXXX about the fraudulent activity on the account. At that time the representative advised that a second order had been placed and I requested that the pending order be cancelled because it had not shipped to Ohio yet and representative agreed. I also expressed that I had paid my account off in full and wanted to ensure that the reporting would be correct for the following month. The representative advised the Fraud department would handle everything. The second order actually posted to the account on or around XX/XX/XXXX and I contacted XXXX XXXX again about the charges and inquired why the order was not cancelled after I was informed that the order would be cancelled. Was again advised the Fraud department would handle the reporting and the second order would be included in the claim. I received two separate replacement cards and did not active them while I waited for the end results. In XXXX XXXX I received a letter stating the fraud was resolved. My credit report had not been updated so I submitted a request to remove the false reporting of a balance for {$130.00}. On XX/XX/XXXX I attempted to activate the new XXXX XXXX reward card and was advised the entire account was closed per my request via the dispute with the credit bureau. I have contacted the credit bureau and they all have an open account with a balance of {$96.00} which was the last accurate reporting. XXXX XXXX advised I must request the account is re-opened via the credit bureau or reapply for a new account. I spoke with XXXX on XX/XX/XXXX around XXXX XXXX est who advised " You should not have reported anything to the credit bureau '' was extremely rude and I requested to speak with a supervisor because I did not want to argue with her. She still proceeded to blame me and than advised " I'm just trying to tell you what you did wrong ''. After holding for an excess of 9 minutes I spoke with XXXX at about XXXX who stated she is a supervisor and that she would speak with her supervisor to see about having the account reopened and will follow up with me regarding the account. I contacted XXXX XXXX again around XXXX XXXX, and spoke with XXXX who advised XXXX is not a manager and there is absolutely nothing than can to contact the credit bureau to have the account re-opened. I requested a supervisor again and spoke with XXXX who stated I would have to contact the Credit bureau to have the account opened again. I reached out and they all have the account as open. So I have no idea what to do. It is not right that I have to apply for another credit card, receive another inquiry on my credit report and never receive the paid in full reporting from my account being paid off on XX/XX/XXXX. Please assist with having the account reopened and the reporting to all three credit bureaus corrected.
01/28/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
NY
11762
Web
We ordered 3 pieces of furniture from XXXX XXXX on XX/XX/XXXX for {$XXXX} The offer when buying this furniture was either 12 months 0 % financing or Store Rewards when using your XXXX XXXX credit card. I signed up for the credit card with 12 months 0 % financing. When the first bill came in the mail, I paid {$XXXX} towards it on XX/XX/XXXX ( minimum payment was {$XXXX} ). This was paid ahead of the due date ( XX/XX/XXXX ). When the second bill came, I looked at my account and saw there was a finance charge of {$XXXX} from XX/XX/XXXX. I called XXXX XXXX ( the bank behind the XXXX XXXX credit card ) and they confirmed I was charged interest and said they would get it fixed. This was on XX/XX/XXXX.
After being on hold for 15 minutes, someone picked up the phone but they were from XXXX XXXX XXXX. They said they couldnt help me and transferred me back to the bank. Again I explained the issue to a new representative, and they said they would have to transfer me back to the store. I told this representative that I had just been through this, so Im hoping the next person will be able to help. They said yes, that this new department deals with this exact issue. Again I was put on hold and a sales associate from the online orders department picked up. She said she could not help me as she handles online orders and isnt the bank. I explained my frustration and she eventually sent me to someone else. This final person said they would submit a dispute for me.
In the meantime, my husband tried calling the store where we made this purchase. The associate who picked up new exactly the isssue and said XXXX, the XXXX, specifically deals with this issue. XXXX was going to call me the next day.
Fast forward 1 week and I have not received any further communication about this. XXXX has not called and I have not received anything from XXXX XXXX. On XX/XX/XXXX I called the XXXX XXXX location where we made the purchase. I spoke to XXXX who again new exactly the issue. I explained that I need to speak to a XXXX. In the background, the XXXX on duty XXXX told XXXX that she couldnt do anything and to get my phone number so someone else could deal with this. XXXX took my information and also confirmed that she could find my purchase in the system and that it was the sales associate XXXX that originally handled my transaction. XXXX said XXXX will call me the following day when she is in. Again I explained my frustration but nothing has been resolved.
To avoid any more interest charges, I scheduled to pay off the entire credit card balance on XX/XX/XXXX. However this isssue is not closed. XXXX XXXX is using fraudulent financial practices. I agreed to the financial terms of 12 months 0 % financing and they did not honor that. Even more so, they havent done anything to help me. They acknowledge the mistake and are well aware that this is an ongoing issue, but they refuse to do anything about it. They are harming the community financially. Secondly, I expect a refund of {$XXXX} for the fraudulent interest charge.
02/04/2022
Yes
Credit card or prepaid card
Gift card
Problem with a purchase or transfer
Card company isn't resolving a dispute about a purchase or transfer
SC
29369
Web
Older American
On XX/XX/XXXX, I purchased a XXXX XXXX sofa. On XX/XX/XXXX, I returned sofa back to the store -- at first I was told that I couldn't return sofa. I then contacted Headquarter regarding the matter explaining the issue and after that XXXX XXXX ( XXXX ) of XXXX, SC manager called me saying that I can return sofa -- which I did.
Forever reason, credit was not issued to Comenity Bank ( CB ), and CB is harassing me for payment. I explained to CB that sofa was returned, to get in touch with XXXX. My guess is that CB and XXXX is not communicating with each other. I have received numerous text message, letters, and phone calls -- I asked CB to stop contacting me and to deal with XXXX -- but they are still contacting me. On several occasions I have been in contact with BL 's store manager, who stated to me that he is not obligated to talk with CB.
I received a letter dated XX/XX/XXXX, stating to allow 90 days to complete their investigation. All the while I was in touch with CB and XXXX trying to settle this matter. During that time I was also receiving phone calls and text messages to get in touch with them about my past due. I asked them to stop contacting me because I had sent documents showing that sofa was returned. Again, I received a letter dated XX/XX/XXXX stating that according to the return receipt, a credit was issued to me as a " gift '' card, and not to their account. To my understanding I was told that if I wanted to purchase any thing else -- which I said I would not be purchasing anything else because if I had problem with that sofa, it could happen again -- I just don't trust them any more. I repeatedly said to CB and all the customer representatives that I had no intentions on using the XXXX Credit Cart ( not a " Gift '' Card ).
On XX/XX/XXXX, I spoked with a XXXX specialist, explained things to him. He advised me to return the XXXX Credit Card back to the store -- which I did that same day -- he also said that if store XXXX did not accept XXXX Credit card, that he would contact the District Manager. I explained to store manager what the specialist had said. I asked him if he needs to know who I spoked with -- he said no. Manager stated to me that he was unable to issue credit back to card, that an error occurred. The same day, XX/XX/XXXX, I call back with no success. The next day, XX/XX/XXXX, I got a different representative, I explained things to her as well. The representative asked me to give her the XXXX Credit Card -- which I did and she stated to me that she would give it to their accounting office and to get back in touch by today, XX/XX/XXXX. I did call and spoked with another saying that the 30 days policy has expired to return sofa.
There is no question about date of purchase and date of returned. XXXX knew all of this -- and with their approval, sofa was returned. Now CB and XXXX want me to pay ( {$1000.00} ) for something that I don't have. I don't have that kind of money to pay for something that I no longer.
Unable to load documents -- will mail
08/16/2017
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
HI
96818
Web
Servicemember
XXXX XXXX Credit Card Comenity Bank I had a credit card with XXXX XXXX and I found myself in a financial situation where i could not make my monthly payments. I contacted Comenity Bank XX/XX/XXXX to be set up on the Hardship Program. Customer Service Rep. XXXX ' stated for the next 6 months my payments would be {$20.00} automatically debited from my checking account. I agreed and for 3 months all was fine. XX/XX/XXXX I received a letter stating my account has been closed for non payment. XXXX I called the number provided and explained the situation. XXXX transferred my to XXXX who is the Supervisor of Consistency Corner who stated the file would be resolved in 14 days. XX/XX/XXXX - Called & spoke to XXXX XXXX and explained my situation. She transferred me to the Supervisor on Duty, XXXX. He stated no one is answering in " that department ''. He said he would follow up and call me within 48 hrs -- no call. XX/XX/XXXX - Call the XXXX customer service line and was transferred to the Hardship Dept. where i spoke to XXXX. She looked over all of the notes to my account and said that a Supervisor would have to look at my file to correct the charge off. I asked what time frame and she said 4-6 weeks since her supervisor is the only one who can correct it. XXXX-called the XXXX # and was transferred to XXXX. She stated my account is still charged off and the supervisor hasnt had a chance to review it. I asked to speak to the supervisor and she said that she was busy. I asked when this would be corrected and she couldnt give me a time. I asked if i should call back XX/XX/XXXX and she said i could try. XX/XX/XXXX - called the XXXX # and spoke to XXXX XXXX Explained the situation and she said she would transfer me to the Hardship Dept. She came back on the line and stated that department is saying its not their file anymore. She then said she would transfer me to another dept and was disconnected. Called back and spoke to XXXX who said she would transfer me to the Debt Collections dpt. Spoke to XXXX who told me it was up to me to make payments. i stated I had not received a statement since XX/XX/XXXX and she said well then i should have called. I stated i have and asked if she read my file and she said that they have done all they need to do and that it is up to the Consumer to pay their debts. I told her i no longer wanted to speak to her and asked for a supervisor. I then got transferred to XXXX in Collections and he told me my account was credited back on XX/XX/XXXX and that it is frozen for non-payment. I told him i have gotten the run around and have no statements. He tried to get a statement for me but said it was another dept. I asked if the account was still in " charge off '' status and he said no, its frozen and when the balance is paid off then i could apply to reopen it. I ytold him i would call the department to get a current statement and will go from there. Im frustrated because this account should have never been charged off, no frozen and credited for amounts i have no idea exist.
08/11/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
GA
30269
Web
Dear Sir or Madam : I hope this email finds you well. Like most consumers, I am always interested in XXXX interest purchases and financing options. Unfortunately, despite having a XXXX XXXX, I feel trap to what I believe is fraudulent debt collections and corrupt business practices.
On or about XX/XX/XXXX, I purchased an engagement ring at XXXX XXXX. The sales people indicated that there was sixty-day no payments with a XXXX interest promotion ongoing so long as I paid the debt off within XXXX year. As a result, I financed {$6000.00} with the understanding that I would pay off within XXXX year. I made prompt payments on between XX/XX/XXXX through XX/XX/XXXX as indicated in the attached statements.
On or about XX/XX/XXXX, I wanted to purchase some earrings from XXXX for my fiancee. I financed {$2000.00} through the same promotion -- XXXX interest so long as it is paid off within XXXX year or XX/XX/XXXX.
As reflected in the attached statements, I made the following payments : ( XXXX ) XXXX XXXX, XXXX - {$500.00} ; ( XXXX ) XXXX XXXX, XXXX - {$670.00} ; XXXX XXXX ) XX/XX/XXXX - {$670.00} ; XXXX XXXX ) XX/XX/XXXX - {$670.00} ; XXXX XXXX ) XX/XX/XXXX - {$670.00} ; XXXX XXXX ) XX/XX/XXXX XXXX ; XXXX XXXX ) XX/XX/XXXX - {$950.00}.
For the XX/XX/XXXX statement, XXXX XXXXComenity Bank stated " you must pay your XXXX XXXX balance of {$950.00} in full by XXXX XXXX XXXX XXXX XXXX, XXXX to avoid paying accrued interest charges. '' So I submitted a payment for {$950.00}.
On XX/XX/XXXX, XXXX XXXXComenity Bank charged me {$1300.00} for " promo finance charge adj. '' I was flabbergasted! I did exactly what they told me to do to avoid the finance charges.
Admittedly, on XX/XX/XXXX, I missed a payment. On XX/XX/XXXX, I paid {$1100.00} pay off the entire balances ... or so I thought. On the same day, I inquired how this happened with XXXX XXXXComenity Bank. In response, a representative indicated that I did not pay off the engagement ring amount XXXX {$6000.00} XXXX on or before XX/XX/XXXX. I asked how could that happen? Well, it has occurred because consumers can not direct payments to which debt they wish to satisfy. XXXX XXXXComenity Bank divides the payment as they deem fit which does not align with the financial interests of their consumers.
XXXX XXXXComenity Bank claim that there is nothing they can do but the debt ( i.e., finance charge ) is owed. I responded that I will not pay a single cent more in light of the clearly fraudulent practices of placing payments to prevent timely payoffs so interest over the entirety of the loan can be charged. I believe these practices to be unlawful, fraudulent, corrupt, usury, and knowingly perpetrated to trap consumers in long-term debt. I can not fathom how many other consumers have been baited by these XXXX interest gimmicks without the awareness or inability to allocate payments to ensure timely payoff.
If you wish discuss further, please do not hesitate to contact me at XXXX or via email at XXXX.
Respectfully, XXXX XXXX XXXX, XXXX.
05/27/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
CT
06416
Web
I opened The Iddeal Card to pay for an engagement ring at XXXX XXXX on XX/XX/XXXX and received a promotional offer for 12 months at no interest for the {$6500.00} balance. I was prepared to pay off the balance as soon as possible and made monthly payments significantly over the {$35.00} min balance but in the event I could not I was told that 29 % interest would start after the 12 months are up. 29 % is crazy high but I took the card knowing that I will be able to pay the card off in the time allowed and each month I was on track with paying off the card with just {$1000.00} due in XXXX of XXXX. All payments were made using the online mobile platform and. I did run into several issues when making a payment online with the website glitching and not processing my payments. In XXXX I made what I thought was my last payment but the next time I checked the online portal I noticed the payment did not process. I called for assistance and was told to reach out to the billing resolution unit in writing. I wrote an email and snail mail letter and patiently waited for a response. When no response came in the mail or email I made a payment in XXXX of XXXX to make sure my account stayed current and I was not charged additional fees. I followed up many times with customer service and each time I spent more than an hour on the phone with no results. The response was always that I need to wait for the dispute department to reach out via snail mail for next steps. Again I made a payment in XXXX of XXXX to make sure no additional fees were applied. At this point I was not sure if the original payment I made would post but I paid the balance off with additional payments thinking that if any over payments are made I would be able to fix the issue with the billing resolution team. At this point the purchase I made was paid off but the credit card company applied {$1000.00} and {$1000.00} in interest fees. I have no idea what these fees are for, I did not agree nor was this explained to me. When I opened the card I was told that interest would start being applied after the promotional 12 months were up not that I would be charged over 1k in interest at once. I would have never agreed. Customer service was absolutely no help each time I called demanding a resolution and to this day I have not heard back to my written request for assistance. I jumped through all the hoops and followed the resolution procedures in place and now it just feels like I'm being robbed. Even after telling customer service I did not get a response back to my dispute they say and do nothing. It's absolutely ridicules how I have been treated as a customer and no other credit card has this kind of service. This is fraud and they should not be allowed to do business. I continued to make monthly payments so that this does not affect my credit. Also, I needed to pay off this balance to get a mortgage but it's not fair that this scam is taking my money each month and have no integrity or decency to speak to me regarding my claim.
03/12/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with balance transfer
OR
97219
Web
Quite a while back I was offered an " Ultamate Rewards Mastercard '' credit card issued by XXXX XXXX while shopping at XXXX XXXX XXXX. I applied for the card to get the special discount they were offering that day. I paid off the card and didn't use it so it sat with XXXX balance for some time.
In XXXX, I received a mailer on the account offering a no fee balance transfer up to my card balance of {$15000.00} for 0 % interest through the fall of XXXX. I then went online and submitted balance transfer requests through this offer to pay two other XXXX XXXX accounts. One was for {$11000.00} to be paid to my XXXX XXXX line of credit and another for {$4000.00} to be paid to my XXXX XXXX Visa account.
XXXX XXXX posted these to my Ultamate Rewards Mastercard on XX/XX/XXXX. However, the payments were never made to either of my XXXX XXXX accounts.
The last week of XX/XX/XXXX I received a statement from XXXX XXXX stating that I had a balance of {$15000.00} with a minimum payment due on XX/XX/XXXX. I called their customer service to find out why I was being charged even though the balance transfers had not been paid to my account.
I was provided 2 different stories by customer service during a call with a first agent and supervising agent 1 ) The checks were mailed to XXXX XXXX but bounced back due to an error in the account information ; 2 ) The checks were mailed to XXXX XXXX and have not gone through but the amounts will automatically be reversed after 30 days ( this did not happen ).
The following week, after waiting until the 30 days had passed for the " automatic reversal '' that had been promised, I signed into my account online to find that the {$15000.00} balance remained. I then contacted XXXX through their online secure account portal. At this time I was told that they were investigating and would respond within 30 days.
I then contacted them through XXXX and they indicated that they were investigating but the balance due would be frozen while they investigated. I have received no other indication that the balance due is frozen and continue to receive payment due notices.
I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. XXXX responded to the XXXX that they would contact me directly and were investigating. I have received no further correspondence as of today, XX/XX/XXXX. The XXXX closed the complaint despite my refusal to accept XXXX 's general promise to handle this.
After reviewing the reputation of XXXX with other consumers online I became concerned that if I did not pay the card that they would report me as delinquent and charge maximum interest/fees while this was being " investigated ''. I therefore set up a minimum payment of {$150.00} to post XX/XX/XXXX - two days before the due date.
I am essentially now paying money to XXXX in a credit score hostage situation. They have indicated that they could be investigating for up to 90 days and during that time I will either risk my credit rating or need to pay {$150.00} per month.
03/29/2018
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
CA
93304
Web
I called XXXX XXXX clothing store customer service line on XX/XX/XXXX concerning my credit card with them through XXXX XXXX. I advised them that I requested a new card be issued to me approximately XX/XX/XXXX, but still hadn't received anything from them. She advised that they sent a new card out, but it was sent back to them because there were address issues. I confirmed my address, and she advised that I called in yesterday from a store requesting my address be changed to another address. I advised I hadn't called them since I initially reported my card lost/stolen, requesting a new card, but hadn't received it. She then sent me over to another team, which is the account services, I went through a series of questions, and answered all of the questions correctly, and they were going to issue me a new card. The call was disconnected. I then called back in explained my situation, and got a rude lady from account services, who wanted me said there were concerns on my account now, and I had to mail in a photocopy of my driver 's license, a front and back copy of my social security card, and a copy of a bill with my address. I explained to her that it wasn't necessary from the last person I spoke to in her department. She proceeded to talk over me, so I asked to speak to a supervisor. Some guy got on the phone asked for my information, I verified all of the information that he asked for, and he placed on a long hold. He came back, and asked me more questions about my address, and I gave him all of the same information I gave him, and the other the last two times in speaking with them. He said unfortunately in order for me to have my account reopened and a card reissued I would have to send in those items. I explained that's a security risk with me mailing in a copy of my social security card, and my driver 's license address isn't going to match, so how is that going to do anything? He could explain their security policy. So I requested that my account be closed at that time again, as I asked the lady before him to close my account. He advised that they could not close my account without having the requested documentation. At that time, I again asked who sends their Social Security Card through mail. I advised I answered a series of security questions that verifies my identity, so what is the problem. I asked if there was bank I could walk into to verify my identity, and he again stated no, and there isn't anything else he can do to help me without sending in those documents. He also stated during the call when I asked if it could be closed, he said after 30 days, it would be closed, and I could reapply. I said, that doesn't make any sense, and now you all are going to effect my credit because you all have poor security measures, by letting someone walk into a store and change my address, without my consent, and now the owner of the account is trying to update information, and I can't. There was no resolution, so I disconnected the line, and proceeded with this complaint.
01/31/2022
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
IL
60411
Web
XXXX***COMENITY BANK/XXXXEWYORK & COMPANY IS IN NONCOMPLIANCE OF REGULATION P, THE GRAMM-LEACH-BLILEY ACT, 15 USC 6801-6809***** I AM THE CONSUMER. I sent COMENITY BANK/NEWYORK & COMPANY my official notice on XX/XX/2022 to opt out of my nonpublic personal information, which means my personally identifiable financial information, from being disclosed to any and all nonaffiliated third parties of COMENITY BANK/NEWYORK & COMPANY . COMENITY BANK/NEWYORK & COMPANY continues to disclose my Nonpublic Personal Information to nonaffiliated consumer reporting agencies and resellers. COMENITY BANK/NEWYORK & COMPANY also did not provide me with a reasonable means of subsequent notice that clearly and conspicuously explained my right to opt out of COMENITY BANK/NEWYORK & COMPANY disclosing my nonpublic personal information to nonaffiliated third parties. I am now forced to COMENITY BANK/NEWYORK & COMPANY unreasonable opt out means, by only being able to exercise my right to opt out through a letter. After viewing this opt out notice COMENITY BANK/NEWYORK & COMPANY or any of its affiliates should not continue to disclose my non public information to any consumer reporting agency or any other nonaffiliated third party. Examples of my nonpublic personal information and personally identifiable financial information that should no longer be disclosed to consumer reporting agencies and any nonaffiliated third parties include but are not limited to 12 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report. I expect COMENITY BANK/NEWYORK & COMPANY to adhere to Regulation P, The Gramm-Leach-Bliley Act, 15 USC 6801-6809 and any other federal regulation that is applicable. I expect COMENITY BANK/NEWYORK & COMPANY to adhere to my opt out notice of disclosing my nonpublic personal information and personally identifiable financial information immediately. COMENITY BANK/NEWYORK & COMPANY can no longer disclose any of my nonpublic personal information and personally identifiable financial information to any nonaffiliated third party. Remove my Nonpublic Personal Information from any and all nonaffiliated third parties consumer reporting agencies and resellers immediately.
06/13/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CA
90094
Web
XXXX XXXX actively promotes the " XXXX Members Program Preferred Financing Plans. '' The plans are as follows : Members of the XXXX Members Program can enjoy No Interest for 12 Months, 0.99 % APR for 24 Months, 1.99 % APR for 36 Months, 2.99 % APR for 48 Months, or 3.99 % APR for 60 Months.
27.24 % Standard Variable Purchase Rate thereafter, if balance not paid in full within promotional period, which can occur if you fail to make a payment when due. * No Interest for 9 Months for U.S. Outlet in-store purchases.
No annual fee Standard variable Purchase APR of 27.24 %, based on the Prime Rate. Minimum interest is US {$2.00} per credit plan.
* Minimum payment set for repayment within the number of months of the plan, sooner for smaller balances. Minimum payment due on the account will not be less than US {$30.00}. Minimum Interest Charge : US {$2.00} per credit plan. Subject to credit approval. If multiple items are purchased on a promotional plan and they ship separately, each item will be placed on a separate promotional plan. XXXX XXXX Credit Card Accounts are offered by Comenity Bank which determines qualifications for credit and promotion eligibility. Offer subject to change without notice.
I made several purchases totaling approximately {$30000.00} between XX/XX/XXXX - XX/XX/XXXX. The balances were separated into over 10 sub-accounts. I scheduled auto-payments of $ XXXX {$2500.00} / month to try to take advantage of the " No Interest for 12 Months promotion. '' I had figured the auto-pay would bring my balances down to XXXX over time to avoid paying interest.
This month, I began to notice some irregularities on my statement so I called the customer service line to review. I was notified that there were a couple sub-accounts that were past their promotion period and that I would owe a full year interest on the original purchase amount at an incredibly high APR. I asked what I could do to avoid the issue from happening again and was notified that I needed to continue paying the large minimum payments ( which are arbitrarily set ) and submit a separate payment for each sub-account and then call directly to the call center to tell them which sub-account to allocate the payment towards. As it turns out, each of my payments were used to pay off ALL of the sub-accounts pro-rata, rather than allocated towards the ones that were coming due sooner to avoid interest. I was notified that there is no other way to do it. They also notified me that if they were to take payment directly over the phone that there would be additional fees charged.
Not only is the promotional plan incredibly deceptive, Comenity has gone above and beyond in making it incredibly difficult to pay off balances to avoid interest.
As a result, I paid off my full balance on XX/XX/XXXX because it would be impossible for me to try and manage this program - frankly, I still do not understand how the minimum payment is set and how the payments are allocated and interest is calculated.
05/22/2018
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
GA
30141
Web
I have four ( 4 ) accounts managed/handled by XXXX XXXX. Two ( 2 ) of the accounts haven't been used for quite some time. The other two ( 2 ) are used on a regular basis ( XXXX XXXX and XXXX XXXX ). I have held all these accounts for quite some time and have maintained a good standing status with them all.
I made a purchase of men 's shirts from XXXXXXXX XXXX on XX/XX/XXXX, one of which was on sale for {$24.00}. I needed to return the shirt for exchange. When that transaction appeared on my statement dated XX/XX/XXXX I had been charged full price for the replacement rather than the sale price. The date of that charge is XX/XX/XXXX. On XX/XX/XXXX I contacted the number on the statement to address this overcharge to be greeted by a rude associate who was unwilling to assist me. I requested a supervisor that took 2 more transfers to get. I became frustrated and was, admittedly, not kind. The end result was that the manager connected with a representative at XXXX XXXX who credited the {$20.00} overcharge. I thought this was the end of the issue.
I received a letter dated XX/XX/ from XXXX advising that my credit limit on the XXXX XXXXXX/XX/XXXXaccount had been reduced from the {$610.00} indicated on my XX/XX/XXXXstatement to {$100.00} citing a " significant decrease in credit score '' as the reason. I found this odd in that my credit monitoring service did not indicate any decrease. I have attached a copy of that letter for your reference.
On XX/XX/XXXX I paid the balance due on this account to bring the account to {$0.00}. The payment was made via XXXX 's website. At that time I made a request to close the account as I felt the reduction in my limit was retaliation for the altercation during theXX/XX/XXXX telephone call. Unfortunately, I didn't keep a copy of that request. I received a letter dated XX/XX/XXXX advising that the XXXX XXXX account had been closed.
Today, XX/XX/XXXX, I attempted to make a purchase on XXXX XXXX 's website and pay with my XXXX XXXX account. My card was declined. I contacted XXXX XXXX 's customer service number indicated on my card to inquire the reason. I was transferred to XXXX where I was advised that my XX/XX/ request to close the XXXX XXXX account resulted in all my accounts being closed. As of this date, I have received no communication from XXXX to advise of such. As is indicated in the attached notification of the closure of the XXXXXXXX XXXX account, there is no mention of the other accounts managed by XXXX. My XXXX XXXX statement dated XX/XX/XXXX indicates I have $ XXXX in available credit and has no indication there is an issue with my account.
While the XXXX representative advised that I can submit a letter to them to request the XXXX XXXX account be re-instated, I feel the activity delineated above has been unfair to me as a consumer. Further, I fear making that request will result in another reduction of a credit limit that, as I understand, would be yet another detrimental reporting to my credit score ( s ).
12/26/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MN
55317
Web
XX/XX/XXXX Placed a {$100.00} online order with XXXX XXXX.
Thought I was setup with auto pay, but was not, contacted XXXX XXXX customer service in XXXX when discovered auto pay not setup and fee was charged, they refunded my fee. In XXXX worried didn't work again, contacted customer service again on XX/XX/XXXX, representative stated no fee had been assessed yet, I paid my balance in full that same day. Waited to receive next statement in the mail to insure account was showing paid off. The next statement I received in the mail showed a balance due of {$58.00} now showing two late fees, along with interest charges. So now I'm being charged a fee on top of a fee. Apparently I was assessed the first fee because even though I paid my balance in full and the fee had not posted yet, the payment was due on the XXXX and I paid my account in full on the XXXX, two days late. Contacted customer service again on XX/XX/XXXX spoke with XXXX explained what happened, he verified my mailing address and I was told a statement was mailed out, asked if he could help me with the fees as I thought I was paid off and I did not receive the statement with the first fee showing. He was unable to help me because he can only refund one fee every 18 months, I asked to speak with a supervisor, her name was XXXX, explained the situation again and was told again that she can only refund fees every 18 months. Both representatives would keep repeating they can only refund fees every 18 months, and that their records show a statement was mailed out and that I was charged a second fee on top of the first fee because I didn't pay the first fee. I explained I have been a long standing customer and was going to just pay their fees and close my account. They really could of cared less if I continued to be a customer or not, she just wanted to verify my bank account number to debit the fees. I told her no, I decided I would write letter instead and she just offered to give me the address. Again who cares if I continue to be a customer or not. I have been with company since the XXXX XXXX have always enjoyed shopping at their stores and I do shop online once and awhile. Very disappointed they don't care if I'm a continued customer and that they would rather I pay them {$58.00} fees and close my account and no longer do business with them ever again and leave them as a dissatisfied customer who obviously will not be recommending them to anyone. As I told them I feel that paying almost {$60.00} in fees for a {$100.00} purchase is ridiculous. I think their {$29.00} fees on {$100.00} are excessive. I feel I did my due diligence in keeping in contact with them, I tried to keep up on my account, I explained what was happening but all their customer service representatives could do was keep repeating the same information, no exceptions. I do not own a computer at home so I have to wait to get online when I am visiting a family member, so I rely on paper statements. I would like these fees removed.
10/17/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CT
06085
Web
Comenity, the credit card issuer of XXXX MasterCard, assessed late fee charge to my account, however I believe it was done without merit. I contacted the Comenity via email and phone contesting that late fee, but bank insisted I still owe the late fee, so I decided to file a complaint against the card issuer practices of assessing the late fees.
The facts : 1. Billing statement for XX/XX/XXXX displayed balance of {$170.00} with payment due date XX/XX/XXXX. That particular billing statement displayed a Late Fee Warning : If we do not RECEIVE your minimum payment by XX/XX/XXXX you may have to pay up to a {$39.00} late fee. Via on line cervices of my bank, on XX/XX/XXXX I created bill payment for {$170.00}, to be delivered on XX/XX/XXXX, one day before due date.Based on my bank 's bill payment history details, my bank processed my order on XX/XX/XXXX and issued a check for {$170.00}. My Bank mailed the check on XX/XX/XXXX and DELIVERED it to Comenity on XX/XX/XXXX, one day before due date.
2. Next Billing statement for XX/XX/XXXX displayed {$32.00} as a total fees charged ( {$30.00} late fee plus {$2.00} interest charges on purchases ). That statement displays the following : Transaction Date : XX/XX/XXXX Payment - Thank You, - {$170.00}. XXXX. I was surprised to see the late fee charges because, based on my Bank history, I paid balance of {$170.00} on time, one day before the due date ( XX/XX/XXXX ).
3. On XX/XX/XXXX, XXXX, via on line Comentity services, I sent email asking to credit {$32.00} to my account. I included the copy of the history of that particular payment from my Bank, proving that my bank DELIVERED the check on time. Within 48 hours I got information that I still owe {$32.00} late fee, because, Comenity POSTED the payment on XX/XX/XXXX.
4. On XXXX XXXX I followed up and spoke with Comenity Representative, trying to resolve, what I felt, was the issue of unlawful assessment of late fee. This Representative admitted that Comenity POSTED my payment of {$170.00} on XX/XX/XXXX. However, was not able to prove when the payment was RECEIVED. Representative stated that, based on the Comenity standards, POSTING date equals RECEIVING date. I contested that on the ground, that the paper billing statement does not provide the definition of receiving, and, or posting dates. Actually, the term " posting '' is not mentioned at all in the Late payment warning statement.
5. I paid the {$32.00} late fee charges on XX/XX/XXXX to avoid additional late fee charges. However, I still feel that Comenity practices are very deceitful. I sent Comenity profs from my bank that payment was DELIVERED on time ( one day before the due date ), but still was faced with the late fee/interest charges.
It appears to me that Comenity did not POSTED my payment on time, after RECEIVING the check on time, on XX/XX/XXXX. That is the reason I feel the late fee assessment is not justified.
6. I will attach the correspondence I exchanged with Comenity in step 3.
02/07/2021
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
MD
21211
Web
On XX/XX/2021 I shopped at Victorias Secret store ( XXXX XXXX, Virginia XXXX and was approached by sales associate XXXX. XXXX asked me if I have store credit card. I said yes I do have the card. She then asked when was the last time I used it, I said a while ago. She said she could look at my information and reactivate my account so I can get {$15.00} coupon for todays purchase. First she needs to look up my account in the system so she grabbed the XXXX. On the XXXX I saw her quickly scrolling down to the bottom of the screen to capture my personal information. Little did I know she scrolled down the important part where it says to apply a new credit card. On the personal information, I was asked to fill out my name, date of birth, email. Then she asked me to enter ssn, I was skeptical so I asked why does it need my ssn to look up my account in the system? She said oh its required and it will let her know if Im in the system. While in disbelief I was forced to enter that sensitive information. Again, no explanation or clarification from her on what exactly she is doing ( which is to apply for a new credit card and get her sales without my consent ). I saw her quickly selected the button I consent and submitted the application. The moment she clicked on I consent I caught her and I said hold on I didnt give you consent to do anything, you never confirmed with me what Im consenting to. How could you submit it without my consent? I work in XXXX XXXX and have applied for credit cards for my clients many times. Each time I make sure I go over all terms and conditions to make sure they understand the credit card product including APR, fees, credit inquiry will occur, etc. And capture their consent when they say yes. This is not how you treat customers with ethic and care. The moment she clicked I consent without my consent, it was too late. The next screen shows Im approved for a store credit card in amount of {$1000.00} limit. Its a hard pull on my credit score and probably can not be reversed ... I said Im confused, I didnt apply for a credit card. She goes oh now you can get coupons. I said I already receive coupons. She said I would just receive more coupons. With this disheartening and deceitful experience, I spoke with the manager but theres nothing she could do to reverse the application ( hard inquiry ). The manager provided apology and coupon. I asked for the corporate phone number and she pointed out the customer number on the bottom of my receipt. I called the number today and spoke to a kind associate who submitted a case for me. According to her the case will go to a special department and they will research this, I will not get correspondence though. As for the credit card, I will have to call them myself to see if it can be reversed. The whole incident damaged my credit score and impression on the company and credit card application system in place within the company. Im speaking out so it doesnt impact more people in the future.
04/08/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
MA
01775
Web
Customer Service XXXX. XXXX XXXX XXXX, OH XXXX Dear Comenity Credit Card Services, Under the provisions of Massachusetts General Laws, Chapter 93A, Section 9, I hereby make written demand for relief as outlined in that statute.
I recently signed up for a XXXX XXXX Credit card provided by Comenity to make a purchase. Once the purchase arrived the items did not fit so I sent them back right away. My first statement had a due date of XX/XX/XXXX for the first payment. XXXX XXXX received the returned pants on XX/XX/XXXX and a credit was issued for the amount of {$57.00} resulting in a remaining balance of {$6.00} on my account. Unfortunately I was {$.00} short in paying the remaining balance in full with a {$6.00} payment that they received on XX/XX/XXXX before the statement was due. On my XXXX statement the credit card company whacked me with a late fee of {$29.00} and minimum interest charge of {$2.00}!
This company in the midst of a national crisis should be ashamed of themselves. My wife is a XXXX XXXX and has not been able to work yet the credit card companies will continue to profit by being ruthless and unfair. I called their customer service line and spoke to their representative XXXX who was polite but not willing to acknowledge that, from a transactional standpoint, I was only late on {$.00} due to my math error.
I have included the following documents for reference : Copy of original statement and hand notes of my XX/XX/XXXX payment Documentation ( hand note ) of my call to customer service on XXXX Copy of refund receipt Copy of most recent statement with unfair fees Summary of transactions downloaded from Comenitys online portal Section 2. ( a ) Unfair methods of competition and unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful.
( b ) It is the intent of the legislature that in construing paragraph ( a ) of this section in actions brought under sections four, nine and eleven, the courts will be guided by the interpretations given by the Federal Trade Commission and the Federal Courts to section 5 ( a ) ( 1 ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ( 1 ) ), as from time to time amended.
( c ) The attorney general may make rules and regulations interpreting the provisions of subsection 2 ( a ) of this chapter. Such rules and regulations shall not be inconsistent with the rules, regulations and decisions of the Federal Trade Commission and the Federal Courts interpreting the provisions of 15 U.S.C. 45 ( a ) ( 1 ) ( The Federal Trade Commission Act ), as from time to time amended.
Therefore, I hereby demand the following relief : I will pay the remaining {$.00} balance as long as the {$31.00} fee and any future late or interest fees are dropped.
Chapter 93A gives you the opportunity to make a good-faith response to this letter within ( 30 ) days. Your failure to do so-could subject you attorneys fees and cost if I decide to institute legal action.
09/08/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
NY
10523
Web
I purchased a couch at XXXX XXXX back at the end of XX/XX/XXXX for a new office I was furnishing. I found some nicely priced sofas at a local XXXX XXXX. I shopped for the product I wanted and the time of purchase I was offered a XXXX XXXX credit card. I was approved, and used the credit to help fund the purchase of the couch. I was n't explained anything regarding special promotional rates or guidelines by the sales employee who sold me the couch.
Fast forward seven months, the company is now claiming they had a 6 month promotional rate on the couch for 0 % interest, and that it was made aware to me on my most recent statements that the promo period was ending. Apparently, if I did n't pay the couch off in the 6 months I was going to owe all the interest for the first 6 months ( {$69.00} ), and then whatever else accrues on any remaining open balance I had on the card.
They charged me {$69.00} on XX/XX/XXXX, and on the XX/XX/XXXX with no warning or clear explanation. After I applied for the card at the store, I waited for the card and statements in the mail for what felt like over 60 days. I grew suspicious due to the long wait and getting nothing in the mail. I decided to call customer service and ask the customer rep. to check our address on file and see if they can send us a card finally. They reissued the card, and despite the error on their part, they would not refund me more then {$15.00} of 1 fee. The total amount I was charged for both fees was {$64.00}, and it was there error because I had not received my statements.
When I tried to speak to them on the phone when I discovered the had charge my account the finance fee that I disagreed with they said it was to late to change anything.
I asked them if they had receive my scheduled payment that I placed online for {$100.00} for XX/XX/XXXX but she said nothing was scheduled in the system and I was to receive a late fee for this as well. I was shocked because even the rep verified she could see the logins on my account on the dates prior to the bill due date, but did not show any record of the scheduled payment I attempted to submit through their online portal. I tried to explain that their systems must have had an error because I even had it jotted down that I scheduled a {$100.00} payment on my upcoming bill excel sheet.
With so many problems, I just had it, so I asked to speak to a supervisor who also was unable to help me. I offered to make the immediate payment in full that would have been due back on XX/XX/XXXX to have received no interest payments. They said it was too late and would n't accept my explanations to reverse the outcome of the interest or fees. I tried explaining that the web portal does not show that the promotional period was ending without clicking into the statement. You have to view the statement in order to view the message. And like so many, I did n't view the details of the statements when logged in. I would just setup payments, and then log off.
08/17/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
92262
Web
I made a purchase at a XXXX XXXX store for a new sofa, chair and ottoman. I was told the sofa was in stock on the date of my purchase ( XX/XX/2018 ) and that I would be charged for the sofa as it was not considered a special order. I proceeded with the purchase and scheduled the delivery of the merchandise for XX/XX/2018. I received a call on XX/XX/2018 letting me know they had made an error and the merchandise was not actually available or in stock and there would be a 60 day delay. I asked for a refund as I had already been charged and paid off my account balance and was told that this would be processed. On XX/XX/2018 XXXX XXXX refunded the amount of {$2700.00} and again on XX/XX/2018 XXXX XXXX refunded the same amount in error. On XX/XX/2018 they caught their error and reversed the charge and it showed on my account as an Ecommercecallcenter charge as I had called to ask about the refund that I had not received. On XX/XX/2018 XXXX XXXX charged me for the remaining items in the order ( chair and ottoman ) in the amount of {$1900.00} and proceeded to charge me again for the sofa onXX/XX/2018 in the amount of {$2700.00} and also charged my account for a provisional credit reversal of {$2700.00} which made my outstanding balance as of XX/XX/2018 {$7500.00}. I immediately called them again and was told that they would correct this to reflect the credits for all of this and was only provided an adjustment for {$1900.00} on XX/XX/2018 and {$2700.00} on XX/XX/2018. I again called concerning the {$2700.00} that I had been charged for and had paid in full and was told that they would start a dispute resolution to rectify the situation on XX/XX/2018. I received an email on XX/XX/XXXX indicating that they were still researching the overcharge and I again requested the refund of the amount I had of {$2700.00} for merchandise that I never received. I requested and received another message on XX/XX/XXXX indicating the account was still in dispute and to expect a message within 30 days. On XX/XX/2018 I received an email from XXXX XXXX ( the credit company for XXXX XXXX ) indicating that XXXX XXXX determined that I had no funds due back to me. I again sent in the supporting account summary, XXXX spreadsheet of the charges and credits on my account and was told that they would research it further. I have filed for status on XX/XX/2018 and supplied the same supporting information and documentation on XX/XX/2018 and received the generic response back on XX/XX/2018 that they would research this and respond within 30 days. I have spent hours of my time on the phone and emailing with XXXX and XXXX XXXX and have even reached out to the parent company XXXX XXXX trying to resolve this matter with no luck or progress made. I do not know what to do next as their company has had my money since the beginning of XXXX when I paid the account in full for something I never received but was charged for. Please let me know what steps and rights that I have to proceed.
08/14/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
NY
11412
Web
This is not an account that is owned by me and I did not authorize anyone to open this account in my name. There where no other options that fit my dispute so I choice any option to progress.
I am a recovering victim of ID Theft which arose from a stolen wallet in XX/XX/XXXX and I have kept a vigilant eye on my credit so in XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 ) unknown accounts on my credit and numerous amounts of inquiries which I did not authorize therefore, I exercise my right to request validation for each of these accounts.
On XX/XX/XXXX using the address and account numbers reported on my credit report I wrote my first letter to XXXX XXXX XXXX XXXX account number XXXX for the amount of {$710.00} and XXXX XXXX XXXX account number XXXX for the amount of {$400.00} and did not receive a repsonse from this company.
On XX/XX/XXXX I wrote a second set letter this time mailing it by USPS certified mail and informed them again that the account was unknown to me and that I requested full validation including signed contracts and Identifiation used to qualify this customer. Please see the attached letters and proof of mail by certified delivery.
Again I received no resonse therefore for the THIRD time I wrote to XXXX XXXX about these ( 2 ) unknown accounts reporting on my credit and again I received no response.
To determine if this is an issue of identity theft or somebody with the same name as I, I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account my request was and still is for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay.
I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately.
It is ridiculous that it is now over 12 months 1 year and 8 months to be exact for future reference since my initial request for validation in XX/XX/XXXXwhich is now well over the 30-45 day time frame as per law and this collection company is out of compliance.
Under advise, I wish to informed XXXX XXXX that I am prepared to take steps to file a small claim case on both accounts in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
06/21/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Unexpected increase in interest rate
NJ
08360
Web
I opened up a credit card with XXXX XXXX XXXX under my XXXX 's XXXX Membership because they offered an attractive interest rate with 5 % back on in store purchases, 2 % cash back on outside store purchases and XXXX cents off per gallon of gas purchases through XXXX 's gas station. I was under the impression that the interest rate was fixed based on how the XXXX 's store was marketing the product. In XX/XX/XXXX there was a change to my XXXX XXXX status to XXXX XXXX XXXX XXXX which just found out when talking to a XXXX XXXX XXXX supervisor on XX/XX/XXXX. In XX/XX/XXXX I was in the middle of many personal issues and supposedly the company said they mailed out the changes to my account at that time. I never received or would have agreed to these changes.
If I remember correctly the interest rate I agreed to pay was around 6 %. Part of my balance is being charged at 7.99 %. The XXXX XXXX XXXX portion is being charged at 26.49 %. This is predatory lending at its worst and is the most egregious I've ever seen.
When I asked XXXX the XXXX Supervisor why I was downgraded to the XXXX XXXX XXXX XXXX she had no explanation because my account is still in " GOOD STANDING ''. I asked if this is a way that they can in fact raise the interest rate once the status is changed and she said it is. She looked at my status and according to what she can see I do not qualify for any special promotions moving forward on this account.
I asked if there was a supervisor that can correct these predatory issues. She said ; today? I said today or any day. She said there will be no corrective action that can be done at this time.I again asked for a supervisor but she did not offer any further assistance to accommodate my request. I told her the reason I wanted a her supervisor was because it is obvious that there is a plan in place as far as increasing the interest rates of unsuspecting victims of their abuses and I was wondering if there was someone that could right the wrongs in my case.
I also reached out to XXXX XXXX XXXX XXXX and told them about this bait and switch program. I told their supervisor that this credit card is not sustainable and will affect their future sales by victims of these predatory actions by the bank that they are promoting. I asked the supervisor to please discuss this at the next supervisor meeting to make them aware. The supervisor told me they are just told to sell this plan and they have no control of what happens after that point.
I put in a complaint on XX/XX/XXXX once I figured out that my account was changed. The reason why I never noticed is that I usually pay my bills through my XXXX account. For some reason I happened to look at the interest rate which tipped me off to this major issue. I went back over my account after speaking to a Rep. from XXXX XXXX over the phone. This Rep. was not able to take the complaint but referred me to the email complaint section.
I was told I am still in " GOOD STANDING '' to this day!
06/27/2017
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
OR
97239
Web
I had a XXXX XXXX card with Comenity Bank. I paid off my account 100 % but then they started charging me a fee because I had a XXXX balance. Then they started charging late fees on those fees even though I spent no money on the card. I request that the card be closed and they confirmed that it was closed but they outright lied. The account is still open and they are continuing to charge late fees on the account. They also directly debited money out of my account multiple times without my authorization at one point causing a overdraft fee. Related communication below. From : Comenity BankSent : Wednesday, XX/XX/XXXX XXXX XXXX ( ET ) To : YouSubject : Re : Late Fees or Finance ChargesMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department . Comenity Bank issues your account and responds to all credit related inquiries. Per your request, I have closed your account. Your current balance is {$21.00} and this information will be provided to the national credit reporting agencies. We will continue to send monthly billing statements on any remaining balance until it is paid in full. Although you requested your account closed, I hope that you will continue to shop with XXXX XXXX XXXX. I value you as a customer and would like to invite you to apply for a new credit card account in the future. Please be informed that the payment of {$7.00} made on XX/XX/XXXX has been applied to the minimum payment of {$7.00} due forXX/XX/XXXX. As the minimum payment due was not received by the scheduled due date the late fee of {$7.00} was assessed to your XXXX XXXX XXXX account. Also be informed that the {$2.00} minimum charge is a finance charge. The finance charge is assessed to the account when you have a carryover balance. The interest charged to the account is calculated on the average daily balance. The only way to avoid the finance charge is to pay the statement balance in full each month. We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Why am I getting late fees on a XXXX balance? Then did you attempt to debit this late fee on a XXXX balance from my bank account without authorization. I am reporting you to the Consumer Protection organization and the BBB XXXX : //www.usa.gov/state-consumer/oregon Close this account immediately. From : YouSent : Tuesday, XX/XX/XXXX XXXX XXXX ( ET ) To : Comenity BankSubject : Late Fees or Finance ChargesMessage ID:XXXX Why am I getting late fees on a XXXX balance? Then did you attempt to debit this late fee on a XXXX balance from my bank account without authorization. I am reporting you to the Consumer Protection organization and the BBB https : //www.usa.gov/state-consumer/oregon Close this account immediately.
05/14/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NH
03063
Web
It has been 29 days and I am at a loss with the level of incompetence I have been dealing with regarding my XXXX XXXX card with XXXX XXXX. My partner, XXXX, went in to XXXX XXXX XXXX XXXX NH on XX/XX/XXXX and they processed a refund of which I have a receipt for. That same day I contacted the GM and Service Manager at XXXX, via email, that the receipt # s did not match my card #. The GM responded that is my XXXX rewards #. I called on XX/XX/XXXX XXXX to confirm and they stated the refund should show up in 3-5 business days. It did not. I filed a dispute with XXXX because a female rep named XXXX stated XXXX processed the refund incorrectly and it was " locked '' in my rewards balance and XXXX was unable to transfer it to my account. She told me the process could take up to 90 days. She said she had, no idea why the dealership processed it this way and perhaps they didnt want their books to be impacted regarding the refund. I received an email from XXXX that the receipt showed a VISA card was refunded and to contact them. So, I again, called XXXX that the dealership told me the refund was processed and the last 4 digits was my rewards number they told me to call back in 3 days to get an update on the dispute and they would note my account. I called XXXX on XXXX at XXXX spoke with XXXX at XXXX id # for his Manager XXXX, he apologized profusely stated a full refund would show within 72 hours and they would submit a check for the payment I made. After 4 business days nothing was done. I called XXXX again on XX/XX/XXXX at XXXX and spoke with XXXX id # XXXX she said she did not understand what was going on with the dispute she was going to submit a 2nd dispute and that the balance would be suspended by XX/XX/XXXX while it is being, again, investigated. On XX/XX/XXXX nothing happened, again I called XXXX spoke with a floor manager who told me no notes were put in regarding the refund, the id # s basically mean nothing because there is no way to contact them. I asked if I could speak with someone in the Dispute Department to find out what was done with my initial dispute and she said they do not have the capability to speak with customers. She did not know if the dealership was ever contacted prior to XX/XX/XXXX and a note was put in that someone reached out to the dealer after XX/XX/XXXX but she had no idea how ( mail, phone, pigeon carrier ). She told me all the timelines I was given were incorrect she was concerned with all the misinformation I was given and that I am starting from square 1 and need to wait 90 days again for this new dispute.
This process is absolutely insane. The fact that 1 my balance does not get suspended during a dispute causing it to impact my credit and require me to continue to make payments, 2 I was given different information each time I called. 3 I still do not have my refund even though I have the receipt! None of this would even be happening if they dealership had processed the refund correctly.
01/31/2022
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
IL
60411
Web
*****COMENITY BANK/VICTORIA SECRET IS IN NONCOMPLIANCE OF REGULATION P, THE GRAMM-LEACH-BLILEY ACT, 15 USC 6801-6809***** I AM THE CONSUMER. I sent COMENITY BANK/VICTORIA SECRET my official notice on XX/XX/2022 to opt out of my nonpublic personal information, which means my personally identifiable financial information, from being disclosed to any and all nonaffiliated third parties of COMENITY BANK/VICTORIA SECRET . COMENITY BANK/VICTORIA SECRET continues to disclose my Nonpublic Personal Information to nonaffiliated consumer reporting agencies and resellers. COMENITY BANK/VICTORIA SECRET also did not provide me with a reasonable means of subsequent notice that clearly and conspicuously explained my right to opt out of COMENITY BANK/VICTORIA SECRET disclosing my nonpublic personal information to nonaffiliated third parties. I am now forced to COMENITY BANK/VICTORIA SECRET unreasonable opt out means, by only being able to exercise my right to opt out through a letter. After viewing this opt out notice COMENITY BANK/VICTORIA SECRET or any of its affiliates should not continue to disclose my non public information to any consumer reporting agency or any other nonaffiliated third party. Examples of my nonpublic personal information and personally identifiable financial information that should no longer be disclosed to consumer reporting agencies and any nonaffiliated third parties include but are not limited to XXXX2 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report. I expect COMENITY BANK/VICTORIA SECRET to adhere to Regulation P, The Gramm-Leach-Bliley Act, 15 USC 6801-6809 and any other federal regulation that is applicable. I expect COMENITY BANK/VICTORIA SECRET to adhere to my opt out notice of disclosing my nonpublic personal information and personally identifiable financial information immediately. COMENITY BANK/VICTORIA SECRET can no longer disclose any of my nonpublic personal information and personally identifiable financial information to any nonaffiliated third party. Remove my XXXX XXXX XXXX from any and all nonaffiliated third parties consumer reporting agencies and resellers immediately.
06/22/2017
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Contacted your employer
OR
97216
Web
PLEASE DO NOT SHARE MY PERSONAL INFORMATION SUCH AS ADDRESS. THESE PEOPLE THINK I AM LIVING IN CALIFORNIA AND CLAIM TO HAVE MAILED LETTERS WHICH I HAVE NOT RECEIVED ANY FROM THEM. I received a call on XX/XX/XXXX at XXXX from an unknown number at my work place. A woman by the name of XXXX XXXX asked for me and once I confirmed, she said that there had been a " complaint filed against my social security number and she proceeded with her disclaimer this is an attempt to collect a debt so on and so forth. She then mentioned that a Male by the name of XXXX XXXX would be calling me to discuss the details. I asked her to not call me here and provided her with my cell phone number. She politely agreed to make my personal cell phone number the only number on the account to call. I mentioned to her that I was at work, and that if I was n't able to answer, to have this XXXX guy leave me a message with a call back number and would try to call during a break. Shortly after, I received 2 missed calls. The first was from XXXX again and then from XXXX. They both were requesting a call back. I called XXXX directly since XXXX seems to be the middle person attempting to reach consumers. He started somewhat with a normal tone that quickly went south when I started requesting a mailed copy of the itemized bill for purchases made including dates and times as well as amounts and locations since I have been filing Identity Theft Affidavits with the IRS because someone used my social security number in XX/XX/XXXX-XX/XX/XXXX and the extent of the damage is still unknown and being investigated by myself. He raised his voice at me saying that this case was being filed on Monday and that there was no time to provide me with any paperwork. I continued calmly and stated that because of my IRS Affidavit filed, that I had the right to obtain that paperwork for my safety and fair claims. He continued to say that I was the irresponsible one for not being able to pay my bills and that he wished me luck and was going to make a claimer that I " refused '' to pay the debt when in fact all I asked was for proof of purchases made on that account to be able to verify before agreeing to any payments. He said there was no time for that since it was being filed on Monday XX/XX/XXXX. He hung up on me and I called him right back. He then answered as a XXXX when he had previously said XXXX. The voice message that I received clearly says he is XXXX XXXX ( I have the message as proof ). I was on my lunch break during this call which was from XXXX to XXXX. When I returned to work, my supervisor mentioned that she received a call ( verified that call was received again from an unknown number at XXXX ) from a XXXX XXXX for me. She said that I had stepped out and if she could help with anything. He then went ahead and asked to speak with my supervisor. Little did he know that he was already speaking to her. He then hung up on my boss which is also a licensed XX/XX/XXXX here.
02/26/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
MD
21104
Web
Hello, I signed up for XXXX XXXX XXXX financed by XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. This was for my XXXX services that my doctor recommended using. They offered 1 year of 0 % interest and 28.99 % APR after the 1 year. However, this was far from the truth.
I made all my payments on time on the XXXX of every month. On my very last payment that was due XX/XX/XXXX2018, I missed the payment date by 3 days. I tried logging into my account online, however, I had issues logging in and after a lengthy process, I was finally able to log in. When I logged in, I saw that I was charged an access of {$800.00} in interest because I failed to make my last payment of {$150.00} by 3 days.
I figured I call the company and explain to them that there must be a mistake. The person who answered the phone insisted that I don't make any payments and write a letter to the company explaining myself. So, I took her recommendation and did not make my final principal payment of {$150.00}. I got a letter back from the company saying that I had signed an agreement and that the interest was a revolving interest for a promotional period, and if I didn't make the payment within the given time they can charge me all of the interest from the year and I was liable for it.
This made no sense to me. I can't believe that this could be legal. They used very predatory practices and tricked me. I was under the impression that I would get charged 28.99 % interest on the remaining balance if I did not make the payment within the promotional period. Instead, they charged me the interest on the original amount, which doesn't make sense to me.
After receiving the letter, I called the company again and talked to higher management. They told me that they have a 3 day grace period and that If I made my last payment of {$150.00} on the day that I originally logged in on XX/XX/XXXX18 they would have relieved me of the interest. I explained to higher management that I was consulted by the previous agent not to pay and to write a letter. The higher management tried to use some fancy verbiage and ultimately said she was not relieving me of the interest and that I should call their 'hardship ' line and see if I qualify.
I went ahead and made the final payment of the principal amount of {$150.00} on that date, so it goes on record that I made my final payment. I contacted the 'hardship ' line and soon found out that I wasn't able to go through with that.
I tried contacting the company again, but they still refused to close my account and said that I am responsible for the interest amount. It is currently on my credit report and the number is increasing. They are charging me late fees and are charging me interest on interest, and they called it a revolving interest.
None makes any sense and I am truly speechless that a company could operate with such predatory practices. They were completely deceiving and I am a victim of their practices.
Please Help!
12/12/2020
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Application denied
IL
60093
Web
Servicemember
I purchase a sofa and loveseat at XXXX XXXX in XXXX XXXX, IL on XX/XX/2019. At the time of the purchase I applied for the XXXX XXXX credit card in order to get a store credit of {$370.00} on the XXXX XXXX card. I provided my name, address and last 4 digits of my SSN. The associate said the application was pending, which sometimes happened.
I received a letter on XX/XX/2019 from Comenity, saying they needed additional information on my application. I called Commenity to answer some security questions. I explained that I had refinanced my mortgage recently and the company had then transfered the servicing to another firm, so I gave her the name of both companies. They also asked about my car loan and I told her what car I have and when I financed it. I spoke to a supervisor XXXX XXXX XXXX, and he said the application should be completed by end of the day, but that they could not tell me the results. He did tell me the XXXX XXXX store could confirm the card number if I called them as he was required by law to send it only by mail.
I called XXXX XXXX later on XX/XX/XXXX. They looked up my information and said that there was another card holder with my same last 4 digits of my SSN in my same zip code -- so that was probably the problem with my application. I called XXXX XXXX again to check on XX/XX/XXXX, and my sales rep also said she saw no approved card for me. She called Comenity to see what was going on and called me back to say they did not have any information.
I called Comenity again on XX/XX/XXXX. They wouldn't tell me anyting, so I asked for a supervisor. The supervisor, XXXX ( extension XXXX ) would not tell me a status but said a letter had been mailed on XX/XX/XXXX. When I pushed back that if they mailed a letter 2 days ago they clearly had a decision, she did finally read me a form letter saying my application had been denied. She said Commentity could not verify my identity. All I could get out of her was that I must have answered several of the identity questions wrong - but she could not tell me what I was asked or which they thought were wrong. I offered to clarify any concerns and told her that I had other current Commentity credit cards for other stores. She would not tell me what the problem was or offer to remedy, just that the application was denied and she could do nothing else.
I am very upset that I am being denied credit without the opportunity to provide additional information to Commentity. My credit score is excellent and this apparent confusion with another card holder in my zip code is clearly not my fault. I am also very upset that this decision means I won't be able to obtain {$370.00} reward offered to open the card -- again, not due to my credit history, but due to a flaw in Commenity 's review process.
I recently refinanced my primary residence with absolutely no issues, so I know there is not an issue with my credit file XXXX as XXXX from Comentiy suggested on the phone ).
01/23/2020
Yes
Payday loan, title loan, or personal loan
Installment loan
Getting the loan
NY
10941
Web
After a 4 hour presentation for a vacation club membership back in XX/XX/XXXX, I became interested in the trial membership offered by XXXX XXXX. I decided to apply for in house financing for XXXX XXXX XXXX " XXXX Vacation '' membership. I signed an application that I was advised was preliminarily approved and the conditions of being able to use the club membership is when I paid the first {$1400.00} on the account. I was not able to use the membership or book vacations until this was done. The document I signed advised the same. I was never advised that XXXX applied for third party financing through Comenity Bank and that my financing was approved at the full amount paying off XXXX. Because XXXX was paid off I would have been able to use the membership right way. I never received any disclosures or approval letter from Comenity bank. I was also advised that my first billing cycle would have been in XXXX with the promotional 0 % trial rate expiring in XXXX. I requested if it could be at the end of XXXX to be able to pay off the amount. The representative in XXXX, FL location was not able provide an exact date but assured me since it was in house financing I can request for an extension and a payment change date. I expected a statement from XXXX in house financing and never received one. I then received a collection call from Comenity. This is when I learned that my account was with Comenity and not XXXX. Although Comenity has tried to work with me on these issues they were unable to honor the trial promotional rate as advised at the Resort. They said the promotional rate once expired on XX/XX/XXXX would require upfront interest rate payment of over {$320.00}. They said it's based on the full purchase transaction not annual rate divided over the months due.They stated my current payments would not be taken into account. I told them that did not make sense and I would never sign up for that. They said I would have to have XXXX tell them that the promotional rate was supposed to end in XXXX but they couldn't do anything about it. Comenity was also not able to pull any contract or application showing I had applied with them when I requested for this proof. I called XXXX and they said unless I have documents stating it was supposed to end in XXXX they would not correct it with Comenity. They stated I signed an application allowing them to apply for VCC, which I did not know meant applying to Comenity bank, I thought that was referring to their in house financing. They said I should have been advised this at time of purchase knowing that the whole membership was paid in full at Comenity. I told them I was not advised this and never received anything in person or in the mail. I have spent countless hours, days and months trying to resolve these issues and feel XXXX 's practices were deceptive. These companies are not providing full disclosures, are dishonest and appears to not be transparent in order to make these sales.
01/16/2018
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
IL
60656
Web
Financial Institute : XXXX XXXX XXXX ( hereinafter XXXX ) Issue : Contacted third parties without consumer 's direct consent - in violation of the Fair Debt Collection Practices Act, 15, U.S.C. subsection 1692, Communication in Connection with Debt Collection ( b ) Description of matter : 1. Primary Compliant : XXXX has, as set out in the below circumstances, directly violated the Fair Debt Collection Practices Act, 15, U.S.C. subsection 1692, Communication in Connection with Debt Collection ( b ), wherein it expressly states that without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. [ Emphasis added ] a. There has been no permission of court, nor postjudgement, that permits a 3rd party to the consumer to be contacted b. Third parties contacted were not the consumers attorney or any other party permitted within the Fair Debt Collection Practices Act to be contacted.
c. Consumer did not provide prior consent directly to the debt collector to contact 3rd parties XXXX contacted multiple relatives of the consumer without the consumer 's direct consent Relatives included Uncle and Mother / Father residing at separate addresses from each other and consumer Mother and Uncle contacted separately but on the same day ( XXXX XXXX, 2018 ) Both Mother and Uncle are unwell / ill and contact caused unnecessary strain on relatives health XXXX disclosed to Mother what issue was about ( i.e. debt collection ) ; again, without direct consent from consumer.
Such disclosure was effectively disclosure of the consumer 's private information to a third party While dates of previous calls have not been recorded, this was not the first time XXXX has contacted relatives of the consumer without the consumer 's direct consent.
Consumer has tried multiple times to contact XXXX to advise that further contact with relatives should not, under any circumstances, be made. Each time consumer either can not get a hold of XXXX, is placed on hold or transferred from department to department.
However, in accordance with the Fair Debt Collection Practices Act, the consumer is not required to request XXXX to cease and desist in respect of contacting 3rd parties as the law clearly sets out that XXXX required the consumers prior consent, which it did not have.
Consumer reserves all rights to pursue any further action permitted under the Fair Debt Collection Practices Act and / or Civil action.
2. Secondary Compliant : XXXX has exceeded reasonable contact methods and is outright harassing the consumer.
02/12/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MS
38930
Web
I wrote XXXX to dispute the current and reoccurring charges that are being added to my XXXX account. As of XX/XX/XXXX, I was a loyal customer with XXXX. I tried to pay my bills on time and if Id forgotten to pay it, I paid the late fee without any hesitation. On XX/XX/XXXX, I called in to pay my bill and discovered that my payment was a day late. So I agreed to pay the full amount that included the late fee which was a payment of {$150.00} thinking that I was paying my account balance and the representative told me that I shouldnt receive anything late fees or anything on my account. I asked them if the account assure fee was going to be added and he told me no. He reiterated that I would have NO additional fees.
So, in XXXX I saw an email stating that I had a late fee balance. I was very upset and I called XXXX credit card center and spoke with another representative. I told her about the conversation that I had with the previous rep and asked her if the late fee charges could be removed because I was a loyal customer and I had paid my balance off. She told me no. I was so distraught and after pleading with her, she told me that there was nothing that she could do. So I told her that I would pay the balance and asked her to close my account. She did not offer any other solutions, nor further assistance.
I just checked my account today and called XXXX back to your company and I was told that although the account was closed, that XXXX is still allowed to charge me late fees and rack up my bill until I paid all late fees. How can XXXX still charge me late fees on an account that I have closed. And I DID NOT WANT to close my account, thats why I paid the balance off and kept the card active in the first place.
Now, according to the my previous account activity you can see that I paid, what I thought was my balance of {$150.00} on XX/XX/XXXX and right before that date on XX/XX/XXXX there was a late fee of {$27.00} already attached to the accountof which I agreed to pay. Then four days later on XX/XX/XXXX, I was charged XXXX CENTS from XXXX XXXX ( of which I was told that that WOULD NOT HAPPEN ) and then late fees were removed, but the XXXX XXXX fees kept racking up, causing me to have late fees that I was not aware of.
Now, I have all of these late fees, have had to cut my card off ( of which I loved ) and keep getting XXXX XXXX fees added to my account because of the XXXX XXXX fee of XXXX cents that was added to the account on XX/XX/XXXX, FOUR DAYS AFTER ID PAID THE BALANCE OFF!!!
I have requested that all late fees, the XXXX XXXX and all other charges against me and this account be removed immediately!!! I feel that Ive been XXXX by XXXX. I do not have {$60.00} to give XXXX! I have never been treated so poorly in my life!!! In my ignorance and frustration, I closed my account and if this is blocking me, then please reopen the account, but still remove all of these fees OFF OF MY ACCOUNT.
10/07/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
AL
35756
Web
This complaint is for the company CCB XXXX ( CCB stands for Comenity Capital Bank ), they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harassments, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. Moreover, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested for verification of this account and send out disputes to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.
04/21/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
OH
43512
Web
On XX/XX/XXXX of XXXX I made a purchase at XXXX XXXX for an engagement ring. They told me it was a 12 month payment plan and as long as I paid it off in 12 months there would be no fees or interest charge. I was told my payments would be due on the XXXX of every month ( {$350.00} ). XXXX XXXX credit card is ran through Comenity.
On the Comenity website I believed it was a pretty simple process. The main page had my balance and minimum I would have to pay each month so I can get the ring paid off on time.I did not have a charge for the month of XXXX and when I called in and asked why not they said it was because XXXX would be the first full billing cycle so that is when my payments would start.
Everything was going smoothly and on XX/XX/XXXX of XXXX I made what I thought was my last payment on the account so my balance showed $ XXXX.On XX/XX/XXXX I started to see a number of {$730.00} on my account which included a back dated charge of {$710.00} on XX/XX/XXXX of XXXX which did not show up on my account until that XX/XX/XXXX date, after my balance said {$0.00}.
When I called to ask them what happened since I started making payments in XXXX of XXXX and got them completed in XXXX of XXXX, they said it was 12 months from the day I bought the ring. They showed me on my online account after I clicked a few tabs to get to my online billing statements that there was a section that said I had to get it paid by XX/XX/XXXX of XXXX. This frustrated me greatly because the Comenity account had my payments I needed to make at {$350.00} dollars each month starting in XXXX of XXXX which set me up to fail by the time I needed to pay it off for them. It indicated nothing on the main screen to me where I would log on and make my payments that anything needed to change or an alert that this was happening ( the account usually has alerts that come up when I log in ). If I were to have paid everything off when they wanted me to, this would have caused me to make a payment almost doubled what I had been doing even if I was aware about it.
On XX/XX/XXXX of XXXX I called in to Comenity to file a dispute. After I got off the phone with them I wrote a written dispute and sent it to them like they asked. On XX/XX/XXXX they wrote me back saying they have received my request and to not make payments on my account until the matter is sorted. On XX/XX/XXXX I was charged a late fee on my account and when I called in on XX/XX/XXXX to discuss why this happened when I had written confirmation that I was to not make payments they told me that after my initial call on XX/XX/XXXX they wrote in their notes that the matter was handled and I was to pay the amount even though on XX/XX/XXXX they wrote me in their secure message center to not make payments.They then told me that due to Covid-19 they do not have the staff operating to look into my dispute and that I would have to simply pay off all this interest and added fees.
12/24/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
KY
40208
Web
I opened a Victoria Secret Credit Card with Comenity Bank in XXXX, Ohio. I had a fraud alert placed on my credit report that requires credit issuers to verify additional information regarding my identity since XX/XX/2020. After, I opened the Victoria Secret account online, I received a letter to call the bank to verify information by phone only. The information was successfully verified and a credit card was mailed to my address. I later attempted to use the credit card at the store but the card was declined. The store clerk physically scanned a copy of my Kentucky State government identification card but card still remain locked. I was told to call customer service. I called customer service. The representative alleged she mailed multiple letters stating that I need to verify my identification a second time, although I had already verified it. I never received such a subsequent letter, but I only received billing statements showing no payment due. The representative alleged I needed to send copies of a picture identification ( front and back ), a copy of a social security card and federal W-2 tax forms. I sent in the documents provided by the representative, but after 30-days, I never heard from the bank again, the account remained active. Oddly, during this same waiting period, I started receiving massive phishing scams from other companies by email, text messages, and physical mail. All three credit bureaus added fraudulent delinquencies and altered my credit score by 100 points. I received fraudent inquiries from the Kentucky state voters registration database. I received fraudulent notices alleging to be from the IRS that claimed my identity can't be verified with payment slips attached to send money, when no payment was due. Also, XXXX XXXX XXXX fraudulently closed done my cell phone a few weeks ago, although it was prepaid cell phone, claiming the company can longer verify my identity and that I need to come to store in person to verify my identity. All this companies sent computer generated notices claiming legitimate accounts are be closed after alleging fraudlent transactions were taking place, when no transactions existed and no bills were due. Also, my autopayments for multiple insurance and another credit cards was stop without notice. After investigation by XXXX XXXX XXXX, this false notices appear to be from website technical error or a XXXX attack. Recently, in the news Russians have attacked multiple government agencies through a " back door '' XXXX attack. There also appears to be a DoS ( Denial of Service ) XXXX Attack. I believe this employees are engaging in phishing scams or these companies were effected by the recent XXXX XXXX attacks in the United States. My legitimate accounts are being closed and credit bureaus reports are being updated with phony addresses in Virginia, 30 minutes from Washington DC or the XXXX, which indicates these are XXXX attacks or XXXX.
09/28/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
NY
14227
Web
This complaint is for the company XXXX XXXX XXXX Comenity Capital Bank ), they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. Moreover, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested for verification of this account and send out disputes to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.
09/29/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
MD
20772
Web
This complaint is against CCB / WYNDHAM ( CCB - Comenity Capital Bank ), they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. Moreover, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested for verification of this account and send out disputes to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.
08/30/2017
Yes
Debt collection
Credit card debt
Communication tactics
Used obscene, profane, or other abusive language
DC
20017
Web
In XXXX XXXX I entered into the following agreement with XXXX, a representative from XXXX XXXX : 5 installment payment plan that would reconcile my past due balance and keep my payments current. The agreement was to deduct {$130.00} on XXXX XXXX, XXXX and then {$110.00} every two weeks beginning XXXX XXXX, XXXX. After the completion of the payment plan, my account was suppose to be current and I would go back to making my regular monthly payments. Unfortunately, after the installment was complete, I received several calls from XXXX XXXX stating that I had a past due balance of over {$400.00} and that I had to pay it immediately or further action would be taken. I explained to the representative that I believe their information was incorrect and talked to her about the payment agreement I had just finished. She informed me that my agreement was only to take care of the past due balance and that I am still responsible for making my regular monthly payments. I explained to the rep that was not the agreement I entered into, and had I been able to make the regular monthly payments in addition to the installment agreement, there would be no need for the agreement. I would not enter into an agreement that I knew I could not afford. Since that conversation back in XX/XX/XXXX possibly XX/XX/XXXX, I have three particular incidents in which I had to escalate to a manager because the Representatives who continue to call me have been rude, unprofessional and threatened to take " other action '' which could result in damaging my credit and assets. In particular, i recall two phone calls one in XX/XX/XXXX and the other on XX/XX/XXXX in which the representatives were rude and unprofessional. Since I am a victim of identity theft, I explained to the Rep on XX/XX/XXXX at XXXX XXXX that I did not feel comfortable supplying/confirming my personal information to him since I could not verify his identity and his responses were " you did n't have a problem giving your personal information when you wanted this credit line '', " either make the payment now or else we will take further action that will hinder you in the long run '', " if you dont make this payment we will look into your assets and financials, you can avoid all this ''. Approximately 5-10 minutes after that phone call, around XXXX XXXX I received another call from a different Rep at XXXX XXXX asking the same questions. Back in XX/XX/XXXX, I had an issue with a XXXX XXXX Rep who repeatedly yield at me, threatened to take further action and actually hung up the phone on me and then called back and left me a voicemail which was unprofessional and very loud. I have asked XXXX XXXX to provide me with documentation regarding my installment agreement, I have yet to receive this. I 've made several complaints to escalate this issue to a manager, no one has contacted me and I continue to be in contact with rude, unprofessional representatives.
05/18/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
DE
19939
Web
Older American, Servicemember
Comenity Capital Bank has failed to properly respond to my questions, instructions, has overcharged me in interest and penalties while in position of money that they received back from XXXX. Highlights and details follow : 1. Comenity Capital Bank failed to close my account when requested.
By certified letter dated XX/XX/XXXX ( letter was delivered at XXXX XXXX on XX/XX/XXXX ) I requested that my charge account be closed.
Comenity Capital Bank continues to accept charges on my account even from businesses who do not have my current assigned account number.
Comenity Capital Bank still has not closed my account as they mailed me a new credit card sometime in XXXX or XX/XX/XXXX. Of course, I did not activate this card.
2. Comenity Capital Bank accepted charges to my account from businesses where I had set up auto charges, however, they did not have my current account number and expiration date. I had set up auto charges with XXXX, XXXX, XXXX, etc. in the past. However, I never provided these businesses with my current Comenity Capital Bank credit account number. Since setting up my auto charges, my account number had changed as well as my expiration date.
3. Failed to stop auto payment from my bank checking account after I instructed them.
By certified letter dated XX/XX/XXXX ( letter was delivered at XXXX XXXX on XX/XX/XXXX ) I requested that my auto payment be canceled. I stated that I would pay my final invoice by check. I wrote and mailed a check ( XXXX ) on XX/XX/XXXX for {$450.00}. Comenity Capital Bank took {$450.00} from my bank checking account on XX/XX/XXXX. They also cashed my check for the same amount.
4. Comenity Capital Bank appeals to have received back the improper charge from XXXX for {$1000.00} but has not acknowledged this to me.
XXXX XXXX XXXX charged me for an account in Germany ( including 16 % German Tax ). I had never done business with XXXX XXXX XXXX and never provided them with my credit account. I did have a XXXX account in USA that I have since closed.
XXXX notified me by email letter that the payment of {$1000.00} was withdrawn by the bank. ( see attached letter ).
By my Certified letter ( XXXX ) dated XX/XX/XXXX, I requested the status of the improper charge of {$1000.00} from XXXX. I provided them a copy of the XXXX email letter.
Comenity Capital Bank notified me by letter dated XX/XX/XXXX and XX/XX/XXXX, that they had received my follow up letter and noted that the disputed amount my have involved fraudulent activity and needed to be researched.
Comenity Capital Bank notified me by letter dated XX/XX/XXXX that they had concluded their investigation and found no basis to support my disputed claim.
Comenity Capital Bank still did not state whether they had received the money back from XXXX.
5. Comenity Capital Bank continues to charge me interest and penalties even through my account should have a credit of {$300.00}.
09/08/2017
Yes
Money transfer, virtual currency, or money service
Domestic (US) money transfer
Other transaction problem
MA
01532
Web
InXX/XX/XXXX, after seeing an offer for a 0 % interest on balance transfers to my XXXX card I decided to transfer {$1200.00} from my XXXX credit card, the account ending in xxxx, to my XXXX card. The requested transfer appeared on my XXXX card on XX/XX/XXXX. Around the same time as I arranged for the transfer, that XXXX card ( xxxx ) was compromised and cancelled and replaced with the account ending in xxxx. I called both Comenity and XXXX and was assured that despite the original account being closed, that any transfers would automatically go to the new account.
In mid XX/XX/XXXX I called both Comenity and XXXX as the transfer had not yet appeared on my XXXX card. I was told by one of the Comenity representatives that it may take as long as 21 business days for the transfer to go through.
On XX/XX/XXXX I again called both Comenity and XXXX as the transfer had still not appeared on my XXXX account. On XX/XX/XXXX Comenity put a provisional credit on my XXXX card while they investigated this.
I made several more calls in XX/XX/XXXX to both Comenity and XXXX and each time was told I needed to talk to the other of them about this. OnXX/XX/XXXX I received a letter from Comenity stating that the transaction had been completed to XXXX XXXX XXXX with check number XXXX. Now I understood the problem since I had asked for a transfer to a XXXX XXXX account and I do not have any accounts with XXXX XXXX XXXX.
I again contacted Comenity and was told I needed to submit a dispute, in writing, which I did once I received the forms.
I received a letter datedXX/XX/XXXX, saying that Comenity would again give my account a provisional credit while investigating this. After the account did not show the credit I sent a message and received a reply stating that my account is no longer considered in dispute.
I put in yet another dispute through Comenitys secure message option. I received a message back stating that they would again give my account a credit while they investigated. They did give my account the credit and I heard nothing further from them until I logged into my account on XX/XX/XXXX and the {$1200.00} was again on my card as a balance owed.
I sent another message through their Secure Message option, XX/XX/XXXX, stating that I am still disputing this since I never got the benefit of this transfer. I would not dispute paying what I owe BUT I did not get the benefit of this. Someone, not me, at XXXX XXXX XXXX is enjoying {$1200.00} that they are now asking me to pay back. I requested that they do something about retrieving their funds from XXXX XXXX XXXX and cancel the transfer all together and take the {$1200.00} off of my XXXX card.
I have since paid off the XXXX card, on my own, that I had wanted the balance transfer to go to. All I want is for them to admit they made an error and take that {$1200.00} off of my card and stop expecting me to pay something I really do not owe them.
09/28/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
GA
31052
Web
This complaint is for the company CB XXXX ( Comenity Bank ), they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. Moreover, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested for verification of this account and send out disputes to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.
05/13/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MD
20744
Web
I recently purchased an engagement ring for my fianc but once Covid-19 surfaced I was unable to make payments and immediately informed XXXX XXXX about my situation. I was able to have my payments deferred until XXXX but I still willingly make payments when I can. In XXXX, XXXX XXXX attempted to take money out of my account but there was no money because I was not working. I incurred a returned check fee from my bank because of this. I called my bank ( XXXX XXXX ) and explained my situation also stating that I explained my situation to XXXX XXXX as well and they understood. Therefore, my bank removed the fee because XXXX XXXX deferred my payments until XXXX and understood my situation.
I discovered that XXXX XXXX tried to take a payment because I was still set up with autopay. So, I immediately called XXXX XXXX to have myself taken off of autopay. When I was able to gather money, I paid my bill for the month on XX/XX/2020 although no payment was required. A week later, I received a notice saying that funds ( which were available ) were returned to my account. I figured there must have been an error somewhere, so I once again paid my monthly bill on XX/XX/XXXX. This payment was successful.
XX/XX/XXXX, I was notified that my XXXX credit card was put on hold and I was charged a returned check fee. I called my bank and asked why the payment was not successful the first time when I definitely had funds in my account and they said they put a stop payment on my account due to the crises. I asked to have the stop payment removed and I immediately called XXXX XXXX to let them know what happened because I had now incurred a returned check fee from them due to this unforeseen situation. I explained the situation to the young lady representing XXXX XXXX and she assured me that the fee would be removed since there was a misunderstanding and the hold would be lifted on the card.
Earlier this week, XX/XX/XXXX, I saw that my statement for XXXX still had the returned check fee on it after I just spoke with someone about the issue. I called XXXX XXXX again and was severely mistreated by a representative named XXXX. He continued to belittle me by making it seem as if I did not know what I was talking about. I then asked for a supervisor and had an emotional breakdown mid conversation because I am trying to support my family during this pandemic and continue to be a great customer yet the XXXX XXXX employees continued to say that it was my fault that I incurred the charge and they refused to remove it. I brought up the fact that I was lied to about having the fee removed and the blame continued to be placed on me.
Therefore, I want to report this issue to prevent it from happening to anyone else, especially during the tragic times that we are facing. I also would like to have this fee removed from my account. I would greatly appreciate having this issue investigated. Thank you.
11/21/2020
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
NY
10032
Web
How is it possible that an account that was supposed to have been settled with XXXX XXXX XXXX almost three years ago is now appearing on my credit report in collection with a derogatory remark. I consolidated all of my outstanding debt almost three years ago, and have not had anything negative on my credit report since.
XXXX XXXX XXXX settled my Wayfair credit card account again, almost three years ago. I have not received anything regarding an outstanding balance or owed amount since it was settled.
Recently I applied for lower rent apartment and was denied due to a derogatory remark on my credit report. I had no idea what this could have been.
I looked up my credit history and it reads that a Wayfair account was opened XX/XX/2020, and the owed amount is XXXX I never reopened this account, and did not charge this amount of money.
Apparently another company XXXX took over Wayfair, and does not have record of my closed account from three years ago. Regardless, I never charged XXXX, never reopened this account, nor have never received any notification that I owed anything because as far as I knew this account was closed and settled.
I called XXXX ( XXXX ) to try to get this corrected, but there was no resolution and they are saying I owe {$4300.00} which is an amount I never charged. I didn't even have a credit limit for this amount from over three years ago. My credit report is reading that I opened this account XXXX XXXX and have not paid in 8 months - this is absolutely not true.
I can not understand how I finally got out of debt and have been building up my credit for almost three years, then this appears on my credit report from XXXX company. How is this legal. This company prevented me from moving into an affordable apartment with my son. This one company destroyed my credit - how can this be acceptable. I am a single mom who pays my bills and takes care of my son. What gives this company the right to be able to apply this to my credit report??? Even if by chance the debt consolidator did not settle this once account, shouldn't I have received a bill, notice from Wayfair???? I never once received any notification so how is it possible this company is allowed to destroy my credit in a split second when I have spent three years building it up. With COVID and all the negative in this world, I actually had one positive - a potential affordable home, but because XXXX added an account as opened XXXX XXXX stating has not been paid in 8 months I lost my opportunity. Again, I never opened this account XXXX XXXX, nor have I ever owed this amount of money. At this point I do not know if I need to take legal action for ruining my credit, illegal allegations, lost opportunity for a secure home, XXXX XXXX now XXXX. This is really just terrible, and very upsetting.
I am hoping you can help in getting this resolved.
Thank you for your time Stay safe XXXX XXXX
04/11/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
OR
97124
Web
Last 4 of SS # is XXXX XXXX XXXX who I have some accounts with that are past due because of a couple unexpected expenses ( water damage at apartment and personal family issue ) that cost me extra money I really didn't have and caused me to get behind on payments and bills. XXXX calls my cell phone and my daughter 's cell phone ( we don't have a home phone, only cell phone ) constantly especially my daughter 's phone every single day multiple times a day from SO many completely different phone numbers coming from different locations. We don't answer numbers we don't know and we are usually at work when they call. Have looked up the numbers to find they are all comenity and see comments from tons of people saying they get several calls a day too from different numbers and leaving the same exact threatening messages they leave me too. Sometimes they leave a voicemail ( always a different person, same message ) threatening me that an urgent matter has been placed with them and if I don't call by that same day by XXXX then they will be escalating the matter even further but they never do, different people just keep calling and leaving the same exact message again. Has been happening over the past 2 to 3 months. I have sent messages to comenity asking them to please stop calling our numbers and that I am aware of the accounts and that I got behind and will have to make smaller payments right now. They do not comply with my request and continue to call and leave messages constantly. They are trying to annoy and harass people probably until they can't take it anymore and looking up complains, this happens to so many people. I have been so stressed because of money issues etc right now all these people calling are making me more stressed. I wouldn't even want to try and talk to them because I have a feeling they would threaten me when talking to them and I can't deal with that right now. They even called a home number of my ex husband that I haven't been with in over 20 years and left a voicemail for me on his answering machine ( he did the greeting for answering machine so they heard it was man at that resident and not me ). He told and asked my daughter about it and what and why they were calling and she told me, she told him she didn't know. It's embarrassing for them to be contacting and leaving messages for other people that I don't even have contact with or live with. I don't live with any other relatives or spouse, just me and my daughter. Again I told them I can start making smaller payments for right now until I get back on track and can get caught up, at least it will be some kind of payments. They can contact me by email or mail, I just really want and need them to stop calling numbers. It's getting to be way to much, harassing and streasful. I was going to send them written letter but figured they probably still wouldn't stop, I don't know what else to do.
12/17/2021
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
PA
19106
Web
Please be apprised that XXXX XXXX XXXX XXXX Comenity Bank XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
03/09/2017
Yes
Credit card
Payoff process
FL
33139
Web
The issue with my credit report started due to Comenity Capital Bank/XXXX mailing a bill for XXXX purchases to a two year old address so that I never received the bill. I had received the merchandise at my new address and did not realize I had not paid the bill as the bill never arrived at my current address. I only received a bill from Comenity by accident upon visiting my old home when a former neighbor handed me a piece of mail. I contacted the Comenity immediately and thought it was fraud. Comenity could not verify the purchases where mine in the phone call. When I finally verified the charges were mine, I paid the merchandise balance of {$530.00} in full to Comenity. I did not pay the fees and interest charges at that time because I felt the fault was due to Comenity sending the bill to the wrong address for two years. I did not know and Comenity did not tell me had already Charged Off my account before I made the payment. When I realized my credit had been affected, I contacted XXXX. In order to get my credit report corrected from incorrect information of charge offs and settlements, I was told by XXXX that I needed to pay any remaining charges consisting only of fees and interest. I was told to get a letter from the bank in question, Comenity Capital Bank who handles payments for XXXX, stating I paid the interest charges and fees and then I was to upload the letter from Comenity to XXXX. I took the actions suggested by XXXX and paid the interest and fee charges totaling {$310.00} and I got Comenity to email a letter to me saying my account was paid in full ( letter attached dated XXXX/XXXX/2017 ). Upon contacting XXXX again on XXXX XXXX, 2017, I was told by a supervisor that the letter sent to me from Comenity Capital Bank did not meet " certain criteria '' and had to be further verified by XXXX. I was told it would take up to 30-45 days. On XX/XX/XXXX, 2017, only three days later, I received a Dispute Resolution email from XXXX with a copy of my credit report showing the report on Comenity unchanged, The XXXX report still stated there was a Settlement and cited Charge Offs though all charges for merchandise and interest and fees, had been, as of XXXX XXXX, 2017, paid in full. I waited two weeks to see if I received another update from XXXX with the corrected information. On XXXX XXXX, 2017 I contacted XXXX again only to find out the original Dispute was closed and information on my account was not updated or corrected. Some facts : I uploaded the letter from Comenity to XXXX site a total of 4 times.
As of XXXX XXXX, 2017 my credit report has not been updated with corrected information from Comenity Bank stating the charge off and the account paid are paid in full. Comenity Bank needs to correct this information with XXXX directly as I have done all I know to do.
N.B. the address of record for this issue with XXXX is XXXX XXXX XXXX, XXXX, TX XXXX
05/13/2021
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Problem when making payments
CA
95348
Web
Older American
This is a loan provided by the XXXX XXXX XXXX XXXX Comenity Bank for dentures for my wife. The Dentist 's Office Finance person presented the loan to us as a 0 interest, 24 month loan. We were to make flat payments for 24 months and the loan would be paid off with {$0.00} interest.
Due to Co-Vid the procedure was delayed a year. Everything about the loan was forgotten until the first statement was received. The only number on the statement was a 'minimum ' payment. Per my original understanding ( made foggy by a year 's passage ), we were to pay a flat amount for 24 months and be done. Since the only number on the statement was the minimum payment amount, I paid that. When the next payment was due, the minimum payment amount had changed and was lower. This did not seem quite right so I read the statement about finances charges. It turns out that if I made only the minimum payment the loan would be paid off in 25 years and with {$25000.00} of interest.
This was not my understanding of the loan. I called The XXXX XXXX and was transferred into Comenity Bank where it was explained " the flat payment amount '' was not included on the statement, and that I should do that math myself to create my own payment schedule. The Customer Service individual told me flat out that he could not document by letter, email or other written communication what my flat payments needed to be. He did the calculation and gave me a number that I was to pay for the next 22 months to pay off the loan. I was at a loss as to why he could not provide that in writing and so I asked to speak to his supervisor. The Supervisor reiterated the INABILITY to provide a written communication as to what my flat payment should be.
My concern is that as a XXXX XXXX XXXX, not in great health, I could die at any time. I am the bill payer in the house, and if I go before my wife, she will then be left paying bills. It is entirely possible and very likely that if she needed to pay the XXXX XXXX monthly statement, SHE would fall into the 'trap'/habit of paying the minimum payment, thus lengthening the term of the loan and incurring unexpected interest charges.
WHY can't Comenity Bank put in writing and list on the monthly statement the flat amount to be paid over 24 months to pay off the loan so as to not incur interest charges?
Both my wife and I are on Social Security and while we can make the flat monthly payments, we can't afford to pay longer than 24 months or the added interest.
In checking the XXXX XXXX XXXX website, I see that others have the same complaint. Not having the flat payment amount listed on the statement, and making the minimum payment in error. Clearly this is something that Comenity Bank could do, but is unwilling to do, lest they no longer mislead customers with the minimum payment and thus losing an interest payment stream greater than 26 % for 25 years. This is outrageous.
06/07/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
CA
94526
Web
Servicemember
Comenity is the credit card company for XXXX XXXX. They are deceptive and I believe criminal in their actions.. We ordered some furniture from XXXX XXXX in XXXX of XXXX and then when they were unable to deliver it for some time we cancelled the order. I must add we had paperless Comenity Statements. In XXXX they sent us a notice of late payment. So in late XX/XX/XXXX I immediately called the credit card company after receiving the late notice and they were great. I explained the situation and they called XXXX XXXX and then they credited the purchase of {$1200.00} along with ALL the interest and late fees. This left a balance of Then when I looked at the XXXX statement I had an interest charge of {$32.00} on a balance of {$170.00} and a purchase of {$47.00} I later saw that they added {$32.00} interest charge. I was extremely busy so I sent them {$300.00} knowing I would deal with this issue when I had time. Finally in XXXX I spent some time to call them and explain the situation and that there was no way there should be a {$32.00} charge in interest on a {$220.00} balance for one month. They said they would put in a dispute and get back to me. Today I called them and was on the phone for over an hour speaking to one employee and then her supervisor. Speaking to the employee today she claims that the interest rate is 28.99 % EVERY MONTH! I told her she was incorrect and that would be illegal. She stood by that ridiculous statement. I asked to be transferred to her supervisor, which I was. He explained to me they were charging me interest on the revolving balance on the returned items because the return credit was not posted until late in XXXX. My point is that they admitted the charge and interest was not valid and that is why it was ALL refunded XX/XX/XXXX, interest, late fee and purchase price. They did that and then charged the interest the next month AFTER the money was refunded because I had a balance of {$220.00} for one month which triggered the revolving balance interest. Remember the first person told me 28.99 % of XXXX when you remove the {$32.00} interest charge. Poor math for someone working for a bank. However, here 's the real kicker, the supervisor said, " you already paid it so there is nothing we can do '' I did explain that I had been busy and I paid it to buy me some time to get to a point where I had time to deal with trying to recoup my lousy XXXX dollars. IT'S CRIMINAL. They should train their people better and they should take better care of their customers. So for {$32.00} dollars I will spend any free time I have and find forums to post my experience. I hope it was worth it for them and I hope you all take notice and boycott Comenity and XXXX XXXX for their association with Comenity. Please also notice complaints flow in almost daily about them. I have a number of cards and never have issues with anyone else. Please avoid them.
03/17/2020
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
MA
01109
Web
Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as XXXX XXXX XXXX, XXXX. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by XXXX XXXX XXXX XXXX XXXX.
2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update.
3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case Comenity Capital Bank did no such transfer, nor was I ever given any such proof.
4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers.
5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 % XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal.
6 ) This collection is illegal, and Comenity Capital Bank is in violation of my rights under the Fair Debt Collection Practices Act.
7 ) My file must be purged and all personal information must be deleted, along with Comenity Capital Bank recalling this debt information immediately.
8 ) Any and all references to this account must be deleted on all credit bureaus.
9 ) Comenity Capital Bank must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of Massachusetts permanently.
XXXX XXXX XXXX XXXX XXXX has an enormous amount of complaints filed with the CFPB already.
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of XXXX XXXX XXXX XXXX XXXX. Examples of common complaints against XXXX include trying to collect a debt not owed and improper communication tactics.
The following two real-world examples of complaints against XXXX XXXX XXXX illustrate these types of alleged violations.
Consumer alleges attempts to collect a debt not owed XXXX XXXX XXXX said I owe XXXX XXXX After reviewing my recent credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!!
XXXX XXXX
07/02/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
FL
34608
Web
Older American
I opened a XXXXXXXX XXXX credit card with Comenity Bank earlier this year and totally paid off the balance of {$130.00} on XX/XX/XXXX with a {$250.00} credit line available. With this card you can purchase items from several other companies and charge to this one card-shoes, bathing suits, furniture and other brand clothes. On XX/XX/XXXX I called to place an order with items from different places such as XXXX XXXX, XXXX XXXX and XXXX XXXX and XXXX XXXX. I wanted these items to go to the XXXX to my sons wedding before XX/XX/XXXX too. I was told I could not charge to my XXXXXXXX XXXX card and had to open a new card and I did for a total of {$170.00}. On XX/XX/XXXX I was checking on order status and nothing had been mailed out and there were estimated delivery dates of 4-6 weeks mid XXXX-after the wedding! I called to completely cancel the whole order since it hadnt been processed and wasnt going to arrive on time. The customer service representative said I could not cancel it and they could not stop the order that had not been processed! However-IF I would open a NEW credit card under XXXX XXXX name-still with Comenity as were XXXXXXXX XXXX and XXXX XXXX-he could get me the order cheaper with express delivery! This would only work for opening a new card and not using the one with credit on it XXXXXXXX XXXX! So I opened another Comenity card-3rd one this year and 2nd one in 5 days XXXX XXXX!! Order total was {$140.00} and arrived XX/XX/XXXX before I left! I had 2 returns = {$32.00} including tax so I should owe XXXX XXXX credit card {$110.00} to pay off this balance. HOWEVER Comenity decided to charge my XXXXXXXX XXXX card on XX/XX/XXXX a total of {$140.00} with fees and interest! I have called about 10 times, been on hold for over 20 minutes and disconnected and disregarded EVERY time I called to correct this! I was told it doesnt matter what card and I said it matters that you charged my card a day after I opened the new card with the items! Also the upsales is ridiculous and the dings on my credit was unnecessary! Im elderly and feel taken advantage of by their deceptive and predatory sales! And calling for help is truly asking to be abused and treated with rudeness! They never let me talk to a supervisor and would keep switching me to another department-ordering department was in charge of my billing error at Comenity?! I kept notes of each phone call, hold time and ridiculous comments they said to me. They really have NO way to resolve any matters of financial issues and should be fined! Technically they put fraudulent charges on my credit card that I didnt authorize! The XXXX XXXX order finally arrived XXXX and I mailed it right back to them for a full refund is SUPPOSED TO BE DUE TO ME! So exactly WHY did I open THAT credit card-so someone can get a commission?? Exploiting the elderly for what-to decrease my credit????
07/30/2021
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
IN
46034
Web
Servicemember
While assigned a fiduciary when deemed incompetent there were account that seem to have been opened and paid for out of his best interest by the assigned fiduciary in the fiduciary 's best interest with the permission or consult of Mr. XXXX or the VA authority HUB itself. Attached you will notice a list of debts that are required at the beginning and end of a fiduciary 's duty that shows the bills that are being paid and outstanding so that the VA know the circumstances of the veteran for the oncoming fiduciary. You will notice that the debts being contested or disputed are not listed on this legal document due to the fact that the legal fiduciary opened these accounts fraudulently and was keeping them hidden from the VA, but was still paying them out of the veterans ( Mr. XXXX ) bank account, which was not in his best interest. That is why to some creditors it looks like it was indeed the veteran that opened them and paid out of his account, but in fact he had no control over his finances and his fiduciary was the one opening accounts without his knowledge and permission and illegally, and it shows deceit by not even informing the VA with the bills report while doing so. After years of treatment and rehab Mr. XXXX was able to get to a status where he was able to learn and gain his memory and other things back. at this time he quickly got divorced when he noticed things were happening that should not be and after some time researching what has been going on with things and looking at his records and files, which took some time he realized what was and wasn't his and now is able to start managing his own finances which is document is these attachments. After realizing that he was paying bills for things that was not even his responsibility he realized something needed done and that is why we are where we are today writing this complaint. He has tried many avenues to get these issues fixed, but has gotten anywhere except harassed and accused of many horrible things by the customers service reps from these credit card agencies and it's about time that they correct the issues they have put him through and more! This isn't how we treat war veterans that come back to the USA with injuries then get taken advantage of by an evil person and then have to deal with even more inconsiderate humans while trying to get things fixed, its a disgrace that someone has to deal with this much XXXX in their life over fighting for their country. there are plenty of attachments to support these facts, and please understand what a fiduciary is since most people dont and think that if someone is deemed incompetent they must have a POA, that is incorrect when it comes to federal monies so please make sure your very versed in your knowledge when responding and trying to make more accusations as expected like other times instead of accepting the truth.
03/02/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
CT
06516
Web
Ny & Company ( Comenity Bank XXXX neglected to the payment arrangements made to bring my account to current status agreed upon and made in on XX/XX/XXXX. They promised to remove XXXX & XXXX finance & late fees & reverse late payment to credit reporting. They neglected to keep the 3 auto withdrawal payment arrangements made to my account : {$100.00} on XXXX, {$55.00} on XX/XX/XXXX, {$45.00} on XX/XX/XXXX.
In XXXX when I reviewed my credit report I saw not only did they not remove the late fees nor reverse late payments reported to the credit bureau as promised for XXXX and XXXX. Instead in XXXX they ADDED another late fee and reported now XXXX to the credit bureau when this was supposed to be resolved. I called XX/XX/XXXX and asked again for this error to be corrected and reverse it from my credit report but rep said this wasnt in his power and would credit me some of the late fee as if it was a favor.
Ive called multiple times and spoke to over 5 reps and supervisors who after reviewing notes told me the original rep neglected to set up the payment arrangement on XX/XX/XXXX so it made acct late. She promised to make a note of everything and correct my account.
I am in the middle of refinancing my home so this has been detrimental to my report as Ive been denied due to this horrible and neglectful and unacceptable error especially the way it has been handled. New York & Company has done absolutely nothing to try to reverse nor resolve the mistake made on my account.
Ive asked several times and disputed the late payments on my report but it has not been removed. On XX/XX/XXXX I spoke to a rep for XXXX XXXX hours it was very kind to take his time and look deeply into the note and told me that the supervisor who I last spoke to you never did anything to help the account nor noted it and the payment arrangements made on XX/XX/XXXX were mysteriously deleted by another rep with no valid reason. They told me to write theyre credit report dept to correct THEIR MISTAKE. Unacceptable.
In XXXX I inquired and joined their hardship program once they made this huge error and my payment due became overwhelming. They cut off the usage of my account. Had they not been neglectful and honored the agreement which would have brought me current in XXXX, I wouldnt have had to join and would have gotten approved for my refinance mortgage! Ive asked them numerous times to send me via mail and email the terms of the hardship program and they promised to do so and even this theyve neglected to do so.
The problem is they hire overseas workers who are not properly trained nor know the American customer service protocols.
Your help would be greatly appreciated. I need to get XXXX XXXX XXXX reversed from my credit report and also have New York & Company credit all late and Finance fees to my account as promised.
Thank you XXXX XXXX
07/21/2017
Yes
Debt collection
Credit card debt
Communication tactics
Used obscene, profane, or other abusive language
NC
27405
Web
Even though Comenity Bank closed my account, on X/X/2017, I contacted Comenity Bank & informed them that I was experiencing a hardship, & my paychecks were being garnished for taxes. They insisted on putting me a hardship/settlement program & wanted {$1500.00}. I informed them then I did n't have it nor really could make the {$500.00} payments for 3 months. I had received various telephone calls in XXXX, XXXX & XXXX afterwards & I informed them I really ca n't pay it. On XXXX, a rep name XXXX call & I informed him that I did n't have the money to pay the settlement amount {$1500.00} dollars that they are trying to collect. I informed him that I had lost my job & just started working back again & had several bills to catch up on including my rent. In addition, I had informed him the amount they are reporting to the credit bureaus was incorrect stating I owe almost {$3200.00} & then he stated that it was {$2600.00}. He stated in a rude manner, " well, how are you living and supporting yourself '' - " why did you set up the payment arrangement if you did n't have it ''. I informed him that I had informed that hardship people at their bank that I did n't even have that amount, that I 'm a single, divorced mother with XXXX XXXX from marriage that I am caring for & that I am about to be destitute. He still had a nasty tone & stated well I 'm going to investigate you. I hang up on the rude person. After the call I was very upset. During my lunch hour, I found a XXXX store & paid {$20.00} on the account. I travel 2 hours every day for my job & I used my gas money to pay something towards the account. Today, XXXX, an unknown number called & the rep left a message saying this is an important matter from the bank. I have never provided them with my work number. My cell phone is setup to block private/unknown phone numbers. They 2 seconds later, the same female rep called from an unknown number to my new job. My employer doe n't allow for these calls at my job. I informed her & stated that she is not allowed to call me at my job. She claimed that she can. I hung up on her. I turned around & called Comenity Bank & reported it & asked to speak to a manager, but they gave me XXXX from the Resolution Team. I explained to him the incident & the various conversations I had with their reps ; and, he claimed that they removed all my numbers. I asked him to report this matter to executive ( President ) he claims that he had sent the message to the appropriate person/team, but could not sent to the President of the Company and they will handle this information as they see fit. I 'm very upset about this. I have had other Comenity Bank Credit Cards and paid them in full. This one fell behind because I do not have the money to pay it right now because I have other debts that take precedence. They do n't care and they are rude and abusive.
10/29/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MS
39759
Web
I made a purchase with Children 's Place in the amount of {$170.00}. Over the next few months, I was charged over {$180.00} in late fees in addition to this amount. Even though I was paying through my bank monthly, my payments were barely covering the late charges every month, and my balance never changed. I called to complain and even after that, I continued to receive late charges. In the end, I paid what I thought was a final {$11.00} and was charged an additional {$57.00} in fees. Below is a timeline of these fees.
Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$30.00}.
Late Fee XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$35.00} Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$30.00} Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$30.00} Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$40.00} Late Fee on XX/XX/XXXX for {$11.00} Paid the late fee on XX/XX/XXXX for {$11.00} - all my statement showed online. I had gotten no statement!
Late Fee on XX/XX/XXXX for {$13.00} - again no statement XX/XX/XXXX another late fee for {$27.00} - no statement or knowledge Threatened for {$57.00} - no knowledge or bill! I did not know this was there. Paid in full. Reported to the credit bureau.
I have not gotten a statement in months!
I have not gotten a statement since XXXX of this year. So, I had just set up an automatic bill payment through my bank two weeks before the due date to ensure I received no more late fees. I did this for three months out to try and pay the balance off. But the bills stopped coming. But then suddenly out of nowhere, I started to get threatening phone calls over one weekend with no warning. No messages left. Just a text message finally this past Sunday to say that I had a bill due and that they could not get in touch with me. I didn't know that I still had a balance.
This company lives off of interest and late fees. I can not believe that I ever did business with them. I will never shop at a Children 's Place ever because of how much they milked out of me. I tried to talk to them about it, but they would not work with me. I explained that I had a bill pay set up to automatically pay them based on my statements. I don't know why it took so long to process. But, I pay all of my bills through this same bill pay through my bank. NOT ONE company has done this to me except this one. My auto loan and every bill I have goes through this same system with not one problem. I have closed my account, but I feel like I should be refunded for some of these late fees. Especially the last ones. Where did the random {$11.00} and {$13.00} come from? The late fees were always {$27.00}. And those are odd numbers. And where did that {$57.00} bill come from? The numbers don't add up!
02/09/2018
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Unauthorized transactions or other transaction problem
NY
13090
Web
Dear staff, I recently opened a PayPal account online, also formerly known as XXXX XXXX XXXX. I was approved for this account right away after applying for PayPal online account. When I tried to use me card my purchases would not go through, I called PayPal and they said they see I tried to make a purchase for XXXX at XXXX for toothbrushes. The agent stated since it was a new account I should try another store, unfortunately that did not work either, I made another call and the second agent said maybe the system is trying to determine if it's really me.
I checked my account the next day and noticed that all my credit was done and the account was closed. I called PayPal and they said that they found an account in my name from XX/XX/XXXX '' which was fifteen years ago. They said I opened a XXXX XXXX XXXX account, which in fact I never had any accounts in XX/XX/XXXX. I reported this account as fraudulent to them and explained I never had or opened any accounts in the name of XXXX XXXX XXXX. I asked the agent what it was for, they told me they did not know and that can't see that far back. I then asked were it was opened again they did not say. I did ask for the amount that was in question the agent stated in or around a XXXX Dollars. Again I reported this as fraud and told them I never opened an account. I then asked for an account number so I can report a fraud claim, again they did not have one. The agent stated that she will submit the fraud to their back office and I will get a letter in the mail if it's in my favor. Unfortunately I can't report a fraud claim since I do not know what it is I am reporting. Secondly I never had a bill me later account that I opened. She then asked me if I know anyone that could have done this. I told her I was a student and had many roommates living with me, I could not confirm if someone stolen my information since this is 15 years ago. I checked with all the credit burues and they all checked their archives their is no documentation of any account in said names.
I was approved for a XXXXDollar credit line and I want my credit back. Since this is fraudulent and I had not opened this account 15years ago.
According to the FCRA accounts that are that old should have been deleted, other than child support or other federal loans. This was also mentioned that it was illegal to use an account that is a retail account from 15 years ago. I also reported all known addresses and phone numbers to the agent and she said none of them matched what she has. I also am on file with the three credit burues and they have all my address since XX/XX/XXXX.
I am requesting that my account be reinstated effective immediately.
I am also notifying the District attorneys office. And the BBB. I will also seek counsel since this is a fraudulent account and consumers have rights under the Law.
09/03/2021
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
NY
11205
Web
There seems to be a practice among credit card grantors specifically XXXX XXXX and Comenity Bank in which they appear to be reviewing customers accounts and if their credit score is lower than when they first got approved, the Banks are just closing customers ' accounts and saying it is due to a report received from the credit bureau as if the customer 's credit is bad. I believe this practice is unfair especially if the customer 's account is in good standing with the credit bureaus! like mine!
Within the last 120 days this happen to me twice. ComenityXXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2021 and just recently XXXX XXXX XX/XX/2021. I just happen to get a credit alert from XXXX XXXX today XX/XX/2021 that my account with XXXX XXXX was closed. I got one on Comenity around XX/XX/2021. When I called to inquire as to why ( same with Comenity ) they refuse to reopen my account.
Both of my accounts were in good standing! I have a 15 page document detailing my interaction with Comenity that I have been dying to share online. With XXXX, I wasn't about to go through what I went through with Comenity. I simply told them I am going to file a complaint and sue them. I'm waiting on the same letter Comenity sent me which I received in the mail 3 weeks after my account was closed, ( See attached Letter and that information was not even correct with what the credit bureaus actually had ) telling me basically after doing a review of my account I was no longer credit worthy! XXXX is going to be sending me, I guarantee you the same bureaucratic letter that Comenity sent me. There was no warning nor notification from Comenity nor XXXX prior to closing my accounts. Creditors closing my account like this is affecting my credit and has caused my score to drop and they don't seem to care.
THIS HAS TO STOP. They can't just do this to customers. I was about to make a purchase for my grandkids when I learned my accounts were closed. Do you have any idea how embarrassing and heartbreaking that is? And I didn't have another card available at the time to use.
This will affect my ability to purchase a house and car which I was preparing to do within the next 45-60 days! Creditors closing my accounts looks like I did something wrong or that I am a credit risk! and I am not!
If this has happened to anyone else, please report it and if you reported it before and nothing was done, report it again. This practice must stop! We must file a class action suit against these banks. These banks are the grantor of almost all the credit cards that are issued in the credit card industry. Go to these links and you will be shocked how many companies issue their credit cards through XXXX and Comenity ; https : //comenity.com/search? XXXX % XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; And this is how they treat their customers? It shouldn't be.
08/02/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
28645
Web
This complaint is in regards to a XXXX XXXX Credit Card issued by Comenity Bank ( XXXX XXXX XXXX, XXXX, OH XXXX ) Our primary complaint goes back to XXXX-XXXX-17 when we paid off our card with a payment of {$49.00}. The payment was credited to our account but we received a {$2.00} minimum charge on XXXX-XXXX-2017. We paid this in good faith on XXXX-XXXX-2017 because we pay our bills. Then Comenity Bank assessed a late fee of {$4.00}. This created a minimum charge of {$2.00} on XXXX-XXXX-2017 then they assessed us a Late fee of {$8.00}. All of these charges were assessed after the entire bill was paid and the minimum finance charge was met.
Unfortunately on XXXX-XXXX-17 we made a purchase of {$100.00} thinking there were no charges on the account. Then on XXXX-XXXX-2017 we 're were assessed a {$2.00} minimum finance charge. Receiving our statement we were surprised to learn we in total we owed assessed charges of {$14.00} plus an additional {$4.00} charge to equal {$18.00} to our account between the moment of paying off the account on XXXX-XXXX-2017 and the minimum residual balance of {$2.00} on XXXX-XXXX-2017. We spoke with the credit card company and were unable to receive any credit against the assessed charges so we paid {$14.00} on XXXX-XXXX-2017 to bring the account current. Our dismay caused us to close the account immediately ( XXXX-XXXX-2017 ). We offered to pay the remaining balance immediately but Comenity refused to take this payment due on that day because, " they are not allowed to take two payments with the same debit card on same day. '' We did make the final payment on XXXX-XXXX-2017 of {$100.00}. To our surprise we received a new statement with a {$2.00} minimum charge for " trailing interest '' on XXXX-XXXX-2017. Upon receipt of this statement we called Comenity Bank customer service. The first representative refused to remove this charge calling it " valid ''. We were referred to a second representative who also refused to remove this charge. We requested further review and received the threat, " if you want to speak with someone else you will have to wait at least 20 minutes. '' We were then informed it would be less hassle if we just paid the {$2.00}. We persisted in waiting for the third representative who reviewed our account and the previous tapes and decided to offer the {$2.00} credit to reconcile the account. In all we were on the phone approximately 50 minutes. During our wait we realized the statement declared we had been charged a total of {$49.00} for fees during 2017 and {$6.00} for interest ( although most of this were {$2.00} minimum charges ). This credit card company is dishonest to the core. I am surprised they are even allowed to stay in business. This is our second time dealing with this bank and they are the ONLY bank to tarnish my credit report for unpaid balances.
07/05/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
FL
33331
Web
On XX/XX/2019, I placed an online order -Order Number XXXX for {$820.00} with XXXX XXXX. The order was charged to my XXXX XXXX credit card, sponsored by Comenity Bank. The order was for 2 items - a Picture ( XXXX + XXXX oversized shipping charge ) and a Candle holder. I received the Candle holder. The items were shipped separately, and noted in the shipping information for the picture it said shipper would contact me for delivery. I was never contacted. After waiting a few weeks, I reached out to XXXX XXXX customer service and was told that the customer service person would investigate and call me back. I heard nothing back. I made multiple attempts to contact XXXX XXXX again by phone, and also by email through the XXXX XXXX Website. Additionally I contacted the XXXX XXXX store located at XXXX XXXX and spoke with the Manager multiple times, who reached out to the Area Manager, who unfortunately said they could not help me since this was not a store purchase.
When I received my credit card statement and it included the charge for the picture, I contacted Comenity Bank and placed this into dispute. The agent I initially spoke with miscategorized the complaint, and I received a letter from Comenity Bank. I immediately spoke to a Comenity Bank supervisor who placed this back in dispute. This was in early XXXX. Comenity bank also had me submit a written dispute through their website portal. Today I received notice that Comenity bank has taken this matter out of dispute - DUE TO THE FACT THEY WERE UNABLE TO GET A RESPONSE OF ANY KIND FROM XXXX XXXX- and charged me back the {$670.00} dollars to my account. If I am unable to get a response from XXXX XXXX and take the steps to resolve it, and the Credit Card Company is unable to get any response - HOW CAN I BE HELD RESPONSIBLE FOR THIS CHARGE? It is unimaginable that XXXX XXXX has no obligation to respond to either the consumer or the credit card company, yet I am obligated to pay for something I did not receive.
It is unthinkable. I spoke at length with Comenity bank today - and they said they can not do a thing about it, and they recognize my frustration, but basically, its my tough luck. What would stop any retailer from arbitrarily billing whatever they want on a consumers card if they do not have an obligation to prove that merchandise was shipped and received by the consumer.
I can not escalate my claim any further - at Comenity bank and can not get in touch with XXXX XXXX, although I've left another message for them. So I'm left with no alternative but to file a complaint through CFPB.
Please help me, this is unfair and unreasonable. If I don't pay, this will be a blemish on my CREDIT REPORT, and to be strong armed into paying {$670.00} for merchandise I never received is just unreasonable.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/12/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
CA
92563
Web
Servicemember
As of XXXX XXXX I called in to make my minimum amount due on my account. I discovered that I was being reported late to credit bureau XXXX and XX/XX/XXXXdays past due.
I enrolled in an hardship program. When I call the automated line it says nothing due, no minimum amount due. I spoke to several people on XXXX XXXX with different stories.
The first department insisted that when I call in, it is not reflected correctly. I indeed have a past due of XXXX dollars. The lady was getting irate so I asked to transfer. I called back and was given to the hardship line.
The lady said it was kind of confusing to explain what was happening to my account but she basically said that when I enrolled in a hardship program in XXXX, that the system was doing it for the next billing cycle ( not with my knowledge ) and that is why my account was being put in the bucket of past due. She indicated even though I was paying the min amount due it really was not the amount due. I paid XX/XX/XXXX what it said my min of 10 would be and my payment is due XX/XX/XXXX. I was marked ay 30 days late because even if the phone system said 10 dollars my payment really was missing an extra 10 dollars and some change.
I said that this was unfair and I would like them to open a dispute. She indicated that they are not trained on credit and how it works so she could not do anything but direct me to this address to dispute : XXXX XXXX XXXX XXXX ohio XXXX I believe this company practice is unfair. In enrolling in a hardship program they said my min payment would be reflected. They did not tell me of next billing cycle. I believe a company should fairly also tell you what is past due. If their own system is telling me that my payment due is 10 dollars, I hit pay that. If it told me 20 dollars I would of happily hit that too. I don't believe it is fair for wayfair associates to tell me that the phone system I call in to make my payment is wrong- I clearly call in and that is what it tells me to do. If it is wrong, then wayfair should own up to advertising me the wrong amount due.
I have asked this to be emailed to me, have asked to be escalated a supervisor but they indicated they can not contact me via email. The only thing they can do is send me the letter where I did enroll in hardship.
I did verify my address as well as I am not getting statements. If they miss my apartment and do not put F in front of it, it goes to another building. They are not helpful in this matter and it should not be my fault if their computer takes time to process. Maybe ( understandable ) they are being overwhelmed with people in hardship programs but it should not be our fault that we are being marked if their computer systems can not keep up.
I only have phone conversations - I can also supply dates I have paid on my bank but please reach out directly.
04/25/2018
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Fraud or scam
CA
92683
Web
On XX/XX/2018, I purchased a " XXXX '' item from XXXX The item arrived after the date promised and the shipping cost more than the item itself, supposedly due to the " rush shipping '' ; the cost of shipping was actually due to the item being shipped from overseas ( misleading from the store 's claim to be located in " CA XXXX, United States of America '', as shown here : XXXX ) The item was extremely low in quality and flimsy ; I was immediately able to find a better replacement for half the price and I requested a refund from XXXX XXXX Per their return policy ( XXXX ) : " Products with quality-related issues may be returned for a refund or exchange by contacting Customer Service within 14 days after receiving your order. You will be responsible for all return shipping fees incurred. Products ( excluding Made-To-Order and disposable ) with no quality-related issues may be returned for a refund or exchange by contacting Customer Service within 14 days after receiving your order. You will be responsible for all return shipping fees incurred. For Made-To-Order clothing, if the items do not fit properly but were made accurately according to your order specifications, you are eligible for a free, one-time-only re-sizing service. You are responsible for all shipping fees incurred. Any product that has been used does not qualify for a return or exchange. All returned items must be in brand-new condition, unused and with original tags and packaging. '' I emailed this company immediately upon receiving the item and also tried phoning their dead-end customer service line to no avail Upon being ignored, I opened a case with PayPal/PayPal Credit to rectify this bad purchase on XX/XX/XXXX ( all emails that I sent to the company were uploaded to my case for proof ) After reviewing this case for over a month, PayPal failed to reach out to me before denying the charge-back completely on XX/XX/XXXX ( I emailed them 11 times before the decision was made and every single one went unanswered ) I believe this item was sold to me in a dishonest manor, as I never would have purchased it knowing it could not be returned I never heard back from XXXX XXXX until the case was decided in their favor ( exceeding their supposed 14-day return policy ) and then was told it would be my responsibility to pay to return the item back overseas ( again, I never would have purchased the item in the first place, knowing there was a possibility I may need to return it, if it would have to shipped back internationally on my dime ) I am unsure why PayPal has been so unhelpful, but I have already called 3 times this week alone for assistance and after being refused service, transferred, hung up on, and steered in several directions as far as how to appeal this case, I have no where else to turn This case is also currently on file with the FTC
03/29/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NJ
07901
Web
This complaint is against Commenity Bank - and then their reporting on my Consumer Report - and with respect to FCRA/FDCPA.
Complaints have been filed and with each CRA, for the incomplete - and then inaccurate reporting done to tradelines on my report.
As per FCRA - they must be complete - and then accurate. My stance is from an tech/integration/reporting point of view - you, collect, store, manage then then send ( integration/file ) to a CRA - and, there are innate problems.
Imaging if - your kid came home with a report card, and - there is no name, then there is no scare, the semester is never identified - is it real?
Understanding this - key attributes that anchor an account on a consumer report in a CRA - expect fields ( not text ) to reside on the tradeline for accurate reporting and, better - score calculations.
The best tech teams in the world would NEVER use a free form comment/text field in an algorithm.
Your reporting on mine - and as listed isn't complete and/accurate.
XXXX. All Accounts in Question ( attached ) have a " ( CLOSED ) '' in their description XXXX. Account Numbers - are wiped out, blank - NULL XXXX. Available Credit - is displayed, populated - when - a closed account and regardless of the reason - is like - impossible XXXX. Debt to credit Ratio - applies to open accounts - i.e, how much of the credit extended are you using XXXX. Payment/Balance/Rating History is wiped out - blank - NULL XXXX. When Pay/BAL/Rat history is blank - there is no was to see the natural progression of the account ( s ) and then where of when a DOFD and its amount occurred XXXX. Once Closed - there are no terms XXXX. Date of Last Activity - blank, impossible to tell when there was a payment or amount increase XXXX. DOFD/FACRA Date - your DATA anchors to this tradeline are NULL XXXX. DATE CLOSED - where is this value? ( nowhere in the PAY HISTORY as a CLS ), nor populated in this field. Is the account still open?
XXXX. Creditor Classification - is set to UNKNOWN, I am sure your organization know what they are The Tradelines you are reporting, and this complaint is across ALL CRA 's - are INCOMPLETE and then INNACURATE, and based on METRO2 Standards of integration and reporting.
As a DATA FURNISHER - please fix the issues as so noted, or DELETE them.
XXXX. XXXX ( CLOSED ) XXXX. XXXX XXXX ( CLOSED XXXX XXXX. XXXX ( CLOSED ) XXXX. XXXX ( CLOSED ) XXXX. XXXX XXXX XXXX XXXX ( CLOSED ) Attachments are provided for your convenience, and from XXXX.
While they are not all - all of your tradelines look exactly, the same.
This issue ( as you program to METRO2 industry standards, and then as mandated from each CRA XXXX is tied specifically to the consumer right for TRUE ACCURATE and COMPLETE reporting as per FCRA/FDCPA.
Please fix your tradelines - or delete them all, and from each CRA.
11/21/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MI
48236
Web
We made 12 payments in a row to avoid interest charges on our very expensive sectional which we drove an hour from our home to purchase at XXXX in XXXX XXXX, MI.
After our online account was set up, we opted in for paperless billing because we are environmentally conscious and prefer to receive bills via email. Please see most recent electronic bill received on XX/XX/XXXX. Nowhere on this bill does it inform us that we must pay our balance in full prior to XX/XX/XXXX to avoid any accrued interest charges. Again, per the bill we were under the impression that if the balance of {$290.00} was paid by the due date on XX/XX/XXXX, then we would not have been charged interest. We have never looked at a statement until today when the first customer service rep, XXXX, asked if we had looked at the statement? I replied with no, we have never looked at a statement prior to today. We receive the monthly bill, go online and make the payment on or before the due date. Furthermore, when we made our last payment on XX/XX/XXXX, the balance showing in my online account showed our balance was {$290.00} not the current balance of {$740.00}. If the balance would have been higher than {$290.00} then we would have called in on that day to resolve. Looking back, we wish we would have not opted in for paperless statements then we would have noticed that the payment was due on XX/XX/XXXX. From customers who are extremely busy with day to day life and pay their bills on time every month we would hope that you can make an exception and remove the finance charges for the following reason : 1. Your electronic bills should include a section informing customers as to when a promotional finance period ends instead of just on the statement. Like I said earlier, we have never looked at a statement until this morning after receiving a bill out of nowhere when we thought our balance was at {$0.00}. If this was the case, then the payment would have been made by XX/XX/XXXX.
2. Please see attached email notifications sent from Comenity Bank, one on XX/XX/XXXX and one on XX/XX/XXXX. If these email notifications DID NOT show our minimum due, due date, and current balance due ( highlighted in Yellow ), then we naturally would have had to open our statement to view our balance and the promo detail expiration date. This is a deceptive email that does not reflect the overall status our account and should not be included in any correspondence to me or any other customer for that matter.
3. Again, if Comenity mailed our statement to our house then we would have to open it to see what is inside, right? This is a one step process. So, why does an email notification give me balance and not require me to open my statement? If the highlighted information was not in an email to us then we would have to open the statement to see this information.
12/05/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
27707
Web
Servicemember
For the last few years I have had a credit card for the XXXX XXXX retail store, administered by Comenity Bank. Unlike all of my other credit cards, Comenity did not offer an autopay feature on this card that would allow me to schedule to pay the full balance on the due date every month. This is how I schedule all of my recurring payments, from my mortgage to my credit cards to utilities. I asked Comenity why they did not offer this service and they could not provide a satisfactory answer. This should not be a difficult feature for a large financial services company to administer, and my understanding is that they offer the service on other retail cards that they service.
While it may not be illegal, failing to offer autopay is in my opinion to make it more difficult for consumers to pay their account on time. It is not a consumer-friendly practice. As a result, I paid my account balance of {$68.00} XXXX XXXX late on XX/XX/2021 was assessed a {$35.00} late fee and a {$1.00} finance charge. So essentially I was charged 51 % of what was the underlying account balance.
I closed the card account after that because I felt that I would continue to be charged late fees in the absence of an autopay feature. I moved to dispute the late fees, but the account has continued to accrue late fees on top of the original late in every subsequent month, despite the fact that the account is closed and the underlying retail balance of the card has been paid off. While the cardmember agreement seems to permit this, I do not think it this practice is ethical or decent as my account is accruing late fees that are not attributable to funds that were actually borrowed from Comenity. They are just stacking late fees on top of late fees, and these fees continue to accrure even as I dispute the charges. On XXXX I submitted a {$36.00} payment to cover the original late fee and finance charge because I acknowledged that my paayment was late, albeit by only XXXX days. I asked them to close out the account and cancel any subsequent fees, but they refused.
My understanding is that very recently Comenity has finally started to offer an autopay feature on this account. But this came only after years of refusing to offer the feature and inquiries on my part as to why it was not offered. It's my contention that XXXX XXXX and Comenity collectively decided not to offer autopay for many years as a way of increasing revenue in the form of late fees and finance charges to the detriment of consumers like me who no intention of carrying an account balance. Again, this may be permissible under their cardmember agreement, but I think that their collective actions constitute predatory lending practices and there should be regulations in place that require lenders that administer revolving credit to offer an autopay feature to borrowers
10/24/2017
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
DC
20009
Web
I made a purchase from XXXX XXXX XXXX XXXX in XXXX using a store credit card. In addition to the store credit through the card, I made an {$800.00} cash down payment. I later returned the item, and XXXX refunded my down payment. I assumed that my account balance was XXXX, because they sent me a refund.
I continued to receive mail from XXXX which I ignored, because they send lots of marketing materials and because I had returned the item and received a refund. I received a letter that looked differently recently, so I opened it. Apparently XXXX had charged me for the following items which were through a third party : " Credit Life Premium '' for {$1.00} - Account Assure " Credit Disability Premium '' for {$2.00} - Account Assure " Credit Unemployment Premium '' for {$2.00} - Account Assure I was unaware f who the third party is, what these premiums were, and why they were charged. I had no knowledge of their existence until I received late penalties.
I called to try to resolve the issue, pay the balance, and close the card. The number I called from the bill was XXXX. A XXXX robot told me to enter my social. I did. They then transferred me to XXXX XXXX ( the supplier of the XXXX card, apparently ). The people at XXXX accepted my payment but told me they could not ( 1 ) tell me where the charges came from, or ( 2 ) close the account. I was informed that this would need to be done by the customer service department. They " transferred '' me, but I was disconnected.
I did the same thing again ( called the XXXX number, entered my social, waited for rep, explained i wanted to close account ). She again told me she would transfer me to customer service. I asked for a phone number this time and was told XXXX. The call again was dropped. I called the new number, was greeted by another XXXX robot, entered my social again, and was connected to another rep who could n't close my account - but offered to transfer me to customer service.
I demanded to speak to a manager, who eventually transferred me to a manager 's direct line at customer service. This person was able to cancel my card. They were also able to tell me the account history, which is how I first discovered the three " Premiums '' totaling {$5.00} that remained on my account even after I received a refund on my debit card. These charges, which I had no knowledge of, were also a mystery to the supervisor. He did not know what they meant, but was magically able to assured me I had authorized them.
My complaints are : ( 1 ) opaque, mysterious, unauthorized billing for the three " Premiums '' ( 2 ) misleading " refund '' - which led me to assume I did n't owe them money ( 3 ) unreasonable late charges ( {$9.00} on a {$5.00} balance ) ( 4 ) Phone system deliberately designed to make it exceedingly and unreasonably difficult to cancel a card.
06/07/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
WV
26301
Web
I have been calling in to pay my XXXX Preferred Account bill which is with Paypal Credit, they would not let me pay online anymore. At first I had to call every month to make a payment, then in XX/XX/XXXX they told me they could set it up for automatic bank draft for 6 months and then I received a letter XXXX XXXX XXXX was being bought out by XXXX XXXX, and after XX/XX/XXXX, my payments would need to be changed. On XX/XX/XXXX, they did not take out my payment which I had scheduled in the amount of {$80.00}, even though my min payment was XXXX. They then sent me a bill for XX/XX/XXXX and charged me a late fee of {$27.00} and now want my payment for May which was due on the XX/XX/XXXX and for XX/XX/XXXX which is not due until XX/XX/XXXX. They refused to give me credit of the {$27.00} unless I pay them the total minimum due of {$130.00} as of today XX/XX/XXXX. I have been faithful in making payments to the company, and I also had a Bill me Later account which was separate, the Bill Me Later Compnay closed my XXXX account for no reason except, that they said my bill came back to them, even though they received my monthly payment? What is going on? I also had a Bill Me Later Account, and Now PAYPAL is saying I have to go online to pay the bill. I also have the Bill Me Later which is now Paypal also and changing to the same Company. This is PAYPAL doing this to me and I have not received my billing for PAYPAL and I am very upset that I made advance payments and the company did not give me any notice as to the change except to be effective XXXX XXXX XXXX. This is not fair and I feel that I do not owe the {$27.00} late fee because the company did not do as we had verbally agreed to on the telephone. I am willing to pay the payment which was due in XXXX, but not to advance them the payment which is not due until XXXX XXXX XXXX, nor pay the late fee. This company has to be stopped and they are probably ripping off many other customers My XXXX acct is now scheduled with a payment due on XX/XX/XXXX in the amount of {$130.00}, previous statement minimum payment was {$65.00}, which is the only amount that I owe. This company has fraudulently not processed my payment and has placed a fee on my account which I do not owe of {$27.00}. Please contact me with a follow up as to this situation. I do not know if my Paypal account is doing the same thing, I am going to call them this evening. According to my letter dated XX/XX/XXXX, I will no longer be able to make a payment through paypal or Customer Service and the only method to make a payment will be via Mail using my billing statement. No electronic or Internet payments will be allowed according to XXXX XXXX. This is not fair to any of us and this can be placed against my credit history and I feel that I may not be the only one who is being abused by PAYPAL.
08/11/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
92677
Web
In XXXX, I purchased a couch from a XXXX XXXX store in the XXXX XXXX XXXX CA XXXX Mall for approximately {$1800.00}. There was a year financing program being offered at the time, of which I took advantage. When I got my first ( and only ) paper statement, I divided the purchase price by twelve and set up automatic bill pay in order to pay off the balance in full prior to the expiration of the promotional period. The payments were setup so that Comenity Bank received them on the XXXX of every month. According to the Bank, I was assessed a {$27.00} late fee because the payment scheduled in XXXX of last year was not processed until the XXXX because of XXXX XXXX. I was not advised of this fact at the time because I never received another paper bill. Supposedly, the Bank was sending e-mails which directed me to sign into their web site to see my bill. I never signed up for paperless billing and I dont do paperless billing with any of my accounts. ( Im old school I want a paper record for every financial transaction. ) I only learned of this outstanding balance in XXXX of this year when the Bank began calling and finally sent a paper statement. At the time of their first call, the Bank insisted that I owed them {$54.00} ( and growing ) due to the unpaid {$27.00} plus interest. I offered to compromise and pay the {$27.00} late fee from XXXX of XXXX. The Bank declined.
After spending several days taking this matter up the Banks hierarchy to no avail, I was told I had to pay the full balance which had now doubled while I was trying to resolve the dispute. I filed a complaint with the XXXX XXXX XXXX of Central Ohio against Comenity Bank. At that time I discovered that the Bank had received four ratings from its hometown XXXX - three Fs and one C. On XX/XX/XXXX, the Bank responded to my complaint by repeating that the charges are valid and increasing my balance to {$330.00}. As of XX/XX/XXXX, that amount had increased to {$560.00}. So since this dispute began I have been assessed over {$500.00} of interest and fees on top of the original {$27.00} late fee. And, as a result, of this dispute, my credit score has dropped over 100 points. This is unconscionable, particularly in the middle of a pandemic.
I have repeatedly offered to go to small claims court to settle this dispute. The Bank has ignored this request and simply keeps sending monthly statements charging me more fees and interest. I have filed complaints with the XXXX in both XXXX, Ohio ( bank headquarters ) and XXXX County ( where I purchased the couch ). I have filed a complaint with the California Attorney General 's Office. And, I have even had XXXX XXXX XXXX in XXXX XXXX intercede on my behalf. When do I get to have a neutral arbitrator resolve this insane dispute? I want my credit repaired but, I will not be extorted by a crooked bank.
12/28/2019
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
FL
33322
Web
To make a long story short, I have an XXXX XXXX store card ( recently closed due to this issue ) with XXXX XXXX. Not only has comenity reduced my limit twice in one month on more than one occasion, they have me in their system as using 100 % of my credit limit ( {$940.00} ) even though my account is paid off, with no balance and no payments due!!!
I made a purchase in XX/XX/XXXX for a dresser that was {$790.00} plus tax and delivery. Delivery day came not merchandise..I called to be informed that I never confirmed the delivery date ( which I did upon leaving the store via the link sent in a text ) so I was going out of town and chose to not wait on another date and cancelled the order. Was told by the store I cant cancel with them I needed to contact comenity bank Which I did. They said since the delivery wasnt confirmed, nothing was taken from my card so there was nothing to refund. I confirmed that I still had my available balance and hung up.
Fast forward to today XX/XX/XXXX. I got some office stuff for Christmas and needed a desk. I went online to purchase one from XXXX XXXX.the desk was {$290.00} plus fees. Went to check out, it said unable to process. I logged in to my account to find I had {$97.00} avail credit. What!!!!! I was upset and called, I spoke to 3 different people who transferred me each time after being on the phone with each for 45min or so. I finally got someone who said my account is on hold..Why I said?? And the avail credit was now 0.. the rep ( supposedly a specialist supervisor went on to explain that the previous cold purchase was still in the system, and not only that, the purchase I just tried to make depleted the rest, and although one transaction was cold in XX/XX/XXXX and todays didnt process, I will have no available credit until XX/XX/XXXX because of the no interest promotion from the XXXX purchase..Im upset and I say, so basically I have no credit even though I have no merchandise, and completed XXXX transactions? And because of a system error, it is going to show that I am utilizing 100 % of my limit with your company to credit bureaus, even though I am utilizing NONE!!! Basically I was told this rarely happens but when it does, just sit tight, and wait. I said XXXX is not when I need the desk. Not only did this company ruin my score last year by their frequent decreases, way more than any other company despite on time doubled and extra payments, but now my credit will be destroyed once again by this company showing 100 % utilization when I havent utilized a dime!!!! Please help me..this must be illegal!! To make matters worse, I have a XXXX XXXX card through this same bank ... .please help me, I closed this card do to the frustration of it all, and now I fear my credit will show this inaccurate utilization for months..this is unfair and unprofessional
05/10/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
76712
Web
My wife and I could not possibly be more disappointed in XXXX XXXX and Comenity Bank!!! We absolutely feel that we have been ROBBED of XXXX dollars or at least victims of fraud.
My spouse had been a long-time customer of XXXX XXXX and felt that they delivered a high-quality product. In XX/XX/XXXX my spouse placed a telephone order for a bed through a XXXX XXXX retail location in XXXX, TX. My spouse was absolutely not advised of any special circumstances surrounding this order. The sales associate simply took the order and accepted our XXXX XXXX/Comenity Bank account as payment. The sales associate explained that the card would be charged when the item shipped. The associate did not in any way explain any special return or cancelation requirements associated with this order. Due to the excessive delay in fulfilling the order my spouse decided that she would prefer alternative solutions.
On XX/XX/XXXX in the evening my spouse called XXXX XXXX to cancel the bed that had been ordered in XXXX. The initial person my spouse spoke with told her that she could not cancel the order. Again, this is absolutely the first time anyone has told my spouse that this order had special conditions associated with it. My spouse ask to speak with a supervisor at the call center. My spouse spoke with a supervisor and the supervisor cancelled the order ( supervisor did not mention any penalties associated with canceling ).
On XX/XX/XXXX I opened our Comenity Bank/XXXX XXXX account statement. I noticed a charge and a credit both on XX/XX/XXXX that left a balance due of XXXX. I called the number listed on the statement and spoke with XXXX. After 43 minutes on the phone, XXXX simply stated that the bed had shipped on the same day that we canceled the order. XXXX was not rude nor unprofessional but was obviously not helpful from my perspective. I ask several times where I could complain about not being allowed to dispute the charges and complain about the banking/credit method. Ultimately my call was transferred to a team leader by the name of XXXX. XXXX was apprized of my complaint. XXXX was matter of fact and said that we should not have been able to cancel the order at all and that we were fortunate to have the amount credited because we should have received a store credit and not credit returned to the account. Again, the first time we were ever told that special circumstances were involved with this order that would result in monetary loss was on XX/XX/XXXX!! I followed up with XXXX asking who I could complain to about the Banking practices that I felt were wrong. XXXX said she did not know what agency I could complain to about the banking practices. XXXX said if I wished to complain in writing to XXXX XXXX I could find a link on the website ( I was not able to find any link to communicate on the website!! ).
04/28/2021
Yes
Credit card or prepaid card
Store credit card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
IL
62298
Web
In XXXX of XXXX, I used my Comenity Bank credit card at XXXX XXXXXXXX to purchase some merchandise for {$210.00}. In XX/XX/XXXX, I made payment of {$51.00}. Then, in XX/XX/XXXX, I made a payment of {$50.00}. My husband was laid off from his job, so I contacted the card company to try and make arrangements. I don't remember verbatim what was said, but essentially the company didn't care and stated that the payments were still due and would not waive any fees. I then tried my best to make payments when available and in XX/XX/XXXX, I made another {$50.00} payment. I couldn't in XXXX as he was still laid off and then in XX/XX/XXXX paid another {$37.00}. I discussed with them in XX/XX/XXXX that I had previously called and attempted to get them to work with me because the balance was still {$140.00}, after making a total of {$180.00} on an original amount borrowed of {$210.00}. I was frustrated that Comenity Bank was not willing to work with me and I gave up making payments. I understand that late fees and interest can occur, but I was attempting to work and they were not budging. Their late fees are extremely high and needless to say I won't be utilizing Comenity Bank again. In attempts to repair with them and settle, in XX/XX/XXXX I contacted them to learn they had sold my account to XXXX XXXX XXXX for {$1100.00}. I contacted XXXX XXXX XXXX and Comenity Bank at that time to again try and make payment arrangements and have them removed from my credit. I was on the phone with Comenity for a total of 2 hours, was hung up, transfered to wrong departments and everyone stated that I couldn't either file a dispute with them or speak to the office of the president because my account was sold. However, Comenity was still reporting negatively to my credit. In XX/XX/XXXX, I attempted to call XXXX XXXX XXXX and speak to my account manager XXXX XXXX. She stated she could settle for a total of {$450.00}, but could not remove anything from my credit and that I would need to speak to Comenity. I called Comenity to speak to a total of 3 people, one of which was a supervisor by the name of XXXX and he stated he couldn't do anything because he didn't have my information it was sent to XXXX XXXX XXXX. He stated that he couldn't pull up my balance or payment history or anything, yet Comenity Bank is still reporting to my credit, so they are withholding pertinent information from me. No one at XXXX XXXX XXXX, nor Comenity Bank, would give me information as to the original balance or payment information. I had to retrieve that information from my credit report. At the very least, Comenity is price gouging, not to mention their horrible lending practices. I am attempting to settle this issue and fix my credit report, but I am NOT willing to pay {$1100.00} for an amount that I owed {$23.00} left ( $ XXXX {$180.00} ).
01/13/2020
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
PR
00784
Web
Hi, my name is XXXX XXXX. In XX/XX/2019 through the people of port and shopping for XXXX XXXX I visited the store called XXXX XXXX. Since I entered the store this people push me to buy something I can't afford. The sequence of events are the following : 1 ) I told them I didn't make a lot of money because I'm a XXXX that works in XXXX XXXX and that my annual income was XXXX a year ; but they kept asking me personal information, I told them that I didn't have any personal ID, then they told me if I have a picture of any ID and I told them I had my passport number, then I gave them the number. Then after a few minutes they told me to go to a room and handle me a phone, it was a lady that spoke XXXX, and then this lady also started asking me personal information, and I gave her my social security number. Then I returned where my husband was sitting, and after a few minutes they told me the ring for XXXX dollars is yours I could not believe it, I never filled out any credit card application with the terms and conditions, I never gave them any valid photo ID. They never gave me any paper or application to look, they never told me any interest rate. I never knew I was being qualified for a credit card to buy the ring. I never signed any document to apply for this credit card. Then they gave me a bottle of champagne and told me to return later, then they had a paper that told me to sing, but they kept the paper in their hands, they never gave the paper to me so I can read it and because I was tired and hungry and she was kept pointing me where to sing, I signed it without reading and resulted, i twas an invoice for the purchase of the ring ; but they either gave the invoice to me, they also kept it .Then inside of the ship at XXXX XXXX XXXX who works for port and shopping for XXXX XXXX called me and he told me to go and pick up the ring, because I bought it. I couldn't believe it. I had something I can't afford to pay. Since the next day I put a claim on board against the store, but they said they could not do anything because any return has to be done in XXXX XXXX if the manager approve it. I had spoke to the Comenity Bank and put a claim, I had spoke to XXXX that works for XXXX XXXX and put a claim and to XXXX, XXXX and XXXX that work for XXXX XXXX and also put a claim. XXXX the customer service manager for XXXX XXXX said that he was going to see the store footage from that day ; but I am still waiting. I also put a claim in Comenity Banks, but they didn't care for XXXX Credit Report because they knew since the beginning that probably I had the credit score ; but not the capacity to pay $ 500 monthly. This bank didn't has a location to visit everything has to be done through the internet or by mail and XXXX XXXX Headquarters located in XXXX XXXX didn't accept public visits. Please help me.
04/24/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MO
64870
Web
I made a purchase with XXXX on XX/XX/XXXX of this year. Rather than use my credit card to make the purchase of {$1900.00}, I took advantage of their 18 Months Deferred Interest offer to use XXXX 's credit card.
I received my order in a timely manner and the goods were not damaged in any way.
In late XXXX, I received a phone call from XXXX XXXX regarding payment. They notified me that I was 30 days past due. I apologized and promised payment when I did my bills for XXXX. I asked at that time how much was due. The amount stated was {$140.00}. Shortly thereafter, I received an actual bill from XXXX with the amount due at {$140.00} I authorized payment through my bank on XX/XX/XXXX for {$150.00} ; my bank processed the check on XX/XX/XXXX and the check arrived at XXXX 's PO Box on XX/XX/XXXX.
Today, XX/XX/XXXX, I received another bill from XXXX XXXX/XXXX. The billing cycle had ended on XX/XX/XXXX and no payment had posted. I checked my bank and no check has cleared though they had tracked the payment as received in XXXX XXXX at the creditor 's PO Box .
I called XXXX XXXX thereafter to discuss the matter this morning. I was asked for my account number, which is NOT plainly indicated on the statement, and shared with no less than 4 people the situation that I needed to resolve. I was also informed on this call that I should have received a welcome packet with my first bill, of which I did not. While on the phone with XXXX, I was told the only way I could resolve this issue was to set up an account online so that I could communicate with them and share my bank documentation. To resolve this issue will take 48 hours or more as the people responsible for receiving and posting payments are not customer-facing employees.
Upon closer inspection of the bill I received today, XXXX has charged me a {$38.00} late fee and {$2.00} Interest Charge. Please remember that my purchase was supposed to be interest-free for 18 months.
I also called XXXX Customer Service today and explained that I believed their Credit Card partner to be somewhat dishonest and not helpful in resolving the situation.
This afternoon, I received TWO credit alerts that XXXX/XXXX has reported that I have newly reported delinquencies on my credit report. Now I will be forced to fight credit bureaus with this situation so it does not impact my credit score.
It seems to me that XXXX XXXX is attempting to earn additional fees by 1 ) not sending my first statement, 2 ) charging Late Fees when payment has been made, 3 ) collecting interest that is not due or causing my payment to be late so that they can skirt the terms of the agreement that I made with XXXX to make timely payments in exchange for 18 months Interest-Free financing.
I believe that XXXX and XXXX need to be audited for their questionable lending practices.
02/16/2017
Yes
Credit card
Closing/Cancelling account
CO
80524
Web
I tried to purchase some items with my XXXX that is through Comenity Capital Bank. I was approved in store at XXXX with the highest interest rate of XXXX % due to my credit worthiness, I made a purchase and paid off the balance long before the due date. I had made some more purchases at the store not more than 2 or 3 weeks later and was under the assumption that my credit card was in good standing. Then I get a letter in the mail from Comenity Capital Bank on XX/XX/2017 telling me that I did not qualify for a lower interest rate on my account but they were excited to serve me as an XXXX card member. This letter is dated XX/XX/2017 and they had pulled my credit score on XX/XX/XXXX from Equifax with a score of XXXX. I tried to use my card on XX/XX/2017 at XXXX different locations and they all denied my transaction. I called the card company to find out that they had closed my account. I talked to a supervisor named XXXX from Comenity Bank who said her name would be in their documents if I needed to prove I spoke to a supervisor who gave me some answers after I had called the company 3 previous times the same day. The supervisor told me that they get their credit score from XXXX, even though the letter they sent me said their credit score was pulled from XXXX and told me that they had pulled some more information from all XXXX credit reporters and told me that the they reviewed my account, " audited '' my account and closed it on XX/XX/2017. I have checked all my credit reports and they all say that for XX/XX/2017, my accounts with Comenity Bank were in good standing. The supervisor also told me that the letter I received was sent in error and that no scores were actually pulled, but the fact that I have proof of a credit score number on the letter they sent me shows that the supervisor was not telling me the truth. All the bank keeps telling me is that I need to wait for the mail in order to know more about why they closed my account because they claimed to have no access to any records of why my account was closed even though they were the bank that closed my account. When I first had called, a representative had told me that there were notes on my account strictly stating to not re-open it. When i talked to the supervisor, she said that there was no way for them to re-open the account and that it was permanently closed and that there was nothing more she could tell me or do. She told me I would get a final bill, which I already paid off today on their bank website after getting off the phone with them, and their bank website still shows my account as completely active and does not indicate any issues. The only good thing to come from all this is that my XXXX credit report shows a hard inquiry from another credit card company that was never placed and am currently disputing it right now.
09/28/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
33414
Web
Older American
On XXXX XXXX, XXXX I made a purchase for {$61.00}. XXXX at an XXXX XXXX XXXX store at the mall near my home in XXXX FL XXXX XXXX XXXX XXXX. The sales person asked if I wanted to open a XXXX Credit Card and I said that I did not because I travel a lot and have a hard time keeping up with small amounts on credit cards and instead preferred to put everything on my XXXX and auto pay through my bank. She persisted however and even misrepresented that if I opened the account I would still be able to apply the charge to XXXX card which turned out not to be the case. XXXX days later I paid {$32.00} towards the {$61.00} which gave me a balance of {$29.00}. I was then late with next month 's balance because I was traveling and received a late fee and minimum charge ( whatever that is ) they reversed the late fee but not the min fees although they did give me a credit of {$.00} on finance charges which I had not been charged which was a bit confusing. I paid the new balance of {$31.00} and somehow ended up with a balance due of {$.00}. So with a balance due of XXXX cents they continued to charge late fees and minimum charges and finance fees until I ended up with a balance of {$56.00}. Honestly, I had not given the account another thought because in my mind it had been paid because when they said they would reverse the last set of late fees ( that had been added to a XXXX cent balance ) I was unaware that they would only reverse XXXX cents of a XXXX dollar minimum fee charge. When I called to settle the confusion, they refused to do anything about it and threatened me with continued late fees and interest if I did n't pay it. I was angry and demanded they close my account and subsequently wrote a check for {$56.00} and mailed it along with a letter to the president of the company, XXXX XXXX XXXX explaining the abusiveness of his credit arm XXXX XXXX. I have n't received a response but did get another call from XXXX XXXX today from an abusive rep who announced that my new balance is {$89.00} XXXX keep in mind this is on a XXXX cent balance ) and kept putting words in my mouth like " I am noting that you refuse to resolve this ''. I am attaching the print out of my account activity in support of the way this account has been handled as well as the XXXX spreadsheet I did to show the current balance after each transaction. I have also include my letter to XXXX XXXX, president and CEO of XXXX XXXX. I do not know what the law is but it can not be in support of this kind of abuse towards consumers and I appeal to you for some kind of help in resolving this. I have an excellent credit standing and pay my bills but refuse to be a victim of such practices. Thank you in advance. Please do n't hesitate to contact me if there is anything else you might need from me. XXXX XXXX, XXXXXXXXXXXX, XXXX XXXX XXXX.
01/21/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
MD
21043
Web
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with ComenityBank/XXXX. This debt is not mine.
Someone unknown obtained my name, old address ( from 23 years ago ), and Social Security Number and opened a credit card in my name at Comentybank/XXXX XXXX XXXX on XX/XX/XXXX. They did a one time charge of {$850.00} on that date and never made any charges or payments since that date. This is presumed to be a result of the United States Government Office of Personnel Managements data breach of XX/XX/XXXX. I was notified by another retailers fraud unit ( XXXX XXXX ) in XX/XX/XXXX that this individual attempted to open another account with my information in Florida and they were able to determine the difference of address and stop it. I have notified the 3 major credit bureaus, filed a police report with the XXXX County Police Department. In addition, I have reported the case to the Federal Trade Commission. I also put a freeze on all 3 credit bureaus.
I have tried working with Comenitybank and they keep telling me they " sold '' the loan to a Dept Collector ( Whom I have successfully had the dept collector removed from my 3 credit reports ). Comentitybank continuously says they do not send information to the credit bureaus after a loan is " sold '' yet the Comentitybank defaulted credit card debts continue to be on my 3 credit reports. When I contacted the 3 credit bureaus and ask why, they ALL say they contacted Comenitybank and Comenitybank is verifying the debt is " accurate ''. I asked the 3 bureaus where are they getting this, they tell me from Comenitybank. The bureaus will not disclose who they are receiving this from Comenitybank. When I call Comenitybank and tell them the 3 bureaus say that your company confirmed the information was " accurate '', they continue to say they they " do not report to the credit bureaus on the loan that was " sold '' to the collection agency ''.
I have sent a certified letter to Comenitybank asking them to send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report I have included the letter from XXXX XXXX where their fraud department picked up the fraud and absolved and removed all charges that were placed on a XXXX XXXX account as proof there is an individual out there using my name, SSN, and old address still actively trying to get credit cards in my name.
To date, I have not received any correspondence, emails, or telephone calls regarding my request.
01/01/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
CO
80120
Web
In XX/XX/XXXX, I had a substantial amount of XXXX work scheduled to be done and the XXXX office offered the option of using XXXX XXXX credit card from XXXX Bank, that offered a no interest payment plan for two years. The first minimum payment was due on XX/XX/XXXX, and the final payment due in two years. I was encouraged by the bank at that time to sign up for paperless billing, which I did. I began making payments well above the minimum to be sure it was paid off before the two year deadline. The initial charge was for {$7400.00} on XX/XX/XXXX and we were told by the XXXX office that it would be 24 months, no interest. As the XXXX work progressed there were three additional charges : {$1800.00} in XX/XX/XXXX, {$1300.00} in XX/XX/XXXX and {$780.00} in XX/XX/XXXX ( dates may be a little off ). Each time before we charged these amounts to the card, we first asked the XXXX office if it was the same 24 months, no interest. We were told it was. Based on the information that we were given, each of these charges would have been paid in full within the appropriate time frame with the monthly {$500.00} payments I made. I never missed, or was late on a payment.
After making the XX/XX/XXXX payment, my balance was {$380.00}. On XX/XX/XXXX, I received an email alert that my XX/XX/XXXX statement was available. We were in the middle of moving, and I didnt want to forget the payment, so I made it early ( so I thought ) on XX/XX/XXXX. I noticed that the email showed a statement balance of {$2500.00}, so I checked the account and saw {$2100.00} entered twice, once as an adjustment. I thought that this was a charge and a credit, which would XXXX out. On XX/XX/XXXX, when I saw that there was still a balance of {$2100.00}, I immediately called to find out why. I was told by XXXX, that the promotion ended XX/XX/XXXX, and I was charged the full interest. After reviewing the situation, I called customer service, again, and spoke to supervisor XXXX. He explained that the additional charges were for different time frames, not 24 months, and the bank applied the payments first to the later charges, because they were due sooner, and then finally to the original charge. I was told by the XXXX office that each amount we charged was payable in 24 months, no interest. That would mean that the payments would be applied to the initial charge first and all payments would have been made within the time frame. XXXX advised me to contact the bank via fax to XXXX to explain the situation and request the interest charge be waived. I faxed the letter on XX/XX/XXXX, with a follow up on XX/XX/XXXX, after I had remembered additional information. To date, I have not heard back from the bank.
For these reasons, I am disputing the interest charge and requested that the bank reverse the charge so that I have a XXXX balance.
11/06/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
WI
54650
Web
Last winter I started receiving cryptic phone calls from someone who would not identify themselves or the company they worked for. They wanted to talk to me about my XXXX XXXX credit card. I was afraid the phone calls were fraud, so I ignored them. I then received a phone call from the same person at my office, so I called the phone number on one of my credit card statements to find out what was happening. When I did so I was told they had sold my account to this other person. When I asked 'why ' they told me I needed to talk to this other person, they were no longer doing business with me.
I then called the number on my caller ID and this person told me they were debt collectors and had purchased my account, that I owed them almost {$10000.00}. I told that it must be a mistake. I last used that card XX/XX/XXXX and paid the bill in full XX/XX/XXXX. The debt collector at XXXX XXXX XXXX started talking about charges made at stores inXX/XX/XXXX I have never been to, and said the bank had sent me letters regarding these charges that I had ignored. I told him my last communication from the bank regarding this charge card was the XXXX XXXX statement, and nothing had been sent to me since then. The debt collector started reading a letter I was unfamiliar with, then said it had been sent to my address XXXX, XX/XX/XXXX
I live in XXXX,XX/XX/XXXX at the same address since XXXX. I have also lived in the XX/XX/XXXX XXXX, XX/XX/XXXX area since XXXX. I do not own a house in XXXX, XX/XX/XXXX, nor did I ever change the billing address on my account. Someone not only was using my charge card without my permission, they first changed the billing address on that account so I would not receive any statements.
While I haven't heard anything from the debt collection company for almost a year, they are now sending me statements asking me how I plan to pay this debt.
The bank that oversaw my XXXX XXXX credit card is Comenity Bank, XXXX. XXXX XXXX, XXXX,XX/XX/XXXXXXXX. The debt collectors are XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX,XX/XX/XXXX XXXX.
The bank never attempted to contact me at my billing address. Nor did they attempt to contact my credit union. I use my credit unions electronic bill paying service to pay my bills for over 11-years. Why Comenity never contacted my credit union to see why the payments had stopped coming is unknown. Nor do I know why they never attempted to contact me at my previous billing address. I never gave anyone permission to change my billing address. Why Comenity would not look into why this all started after someone changed my billing address and never think of contacting me at my old billing address is unkown. The fact Comenity does not want to discuss my account with me makes me suspicious of their change of address process.
08/26/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
MA
02302
Web
How r u doing today? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus about an unknown charge off account from CCB/XXXX CARD # XXXX. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
02/16/2018
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
IL
60201
Web
In XX/XX/XXXX, there had been several attempts to collect a payment other then the amount I agreed to out of my previous checking account. I called the company and advised them of the situation, I was given a new agreement. I told the company, going forward that I would make the payment directly on line because I no longer trust the company to take money out of my account. So in XX/XX/XXXX I made a one time payment on line from the precious account before I closed it. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating the company had scheduled a payment on XX/XX/XXXX, from the same account ( the one I closed and advised them to no longer process a payment from ). I called the company in regards to this matter and I was told that I wasn't sent a letter. I identified myself as a XXXX XXXX. I was told there was no account information on my account. I was told there was not payment schedule. I told the representative, I had the letter in my hand and that it had indicated the information i had stated. The representative then tried to tell me that when I made the payment I made the agreement on line to make monthly payments. I advised her I made a one time only payment. We went back and forth for more than thirty minutes. I informed the representative that I was going to have my lawyer call in regards to their procedures and that I wanted to make a payment. The representative then informed me that she removed the information from the website and that she could no longer take my payment since i was going to call my lawyer. I told her that i was not denying paying the balance but i was questions the company 's antics when intimidating paying customers. The representative refused to take my payment and advise me the only way she would take my payment is if I would wring a letter recanting calling my attorney. I refused and asked to speak to a supervisor. After being placed on a long hold, a supervisor answered the call. I identified myself as a XXXX XXXX. I explained the situation and he stated, the only way they would accept my payment was I had to write a letter recanting I was going to contact my attorney. I refused and asked if they could show me that in their policy. The supervisor stated he could not and that was all he could do. He went on to say if I didn't want to hand write the letter that I could go online and submit. I refused and I asked for his boss. After waiting on a long hold again, another representative go on the telephone. He refused to take my payment. Again informed him i was a XXXX XXXX, that I knew my rights as a consumer and that what he representative had stated did not correspond with their on line policy. I advised the representative that I was going to write this letter because of their bad tactics and intimidating ways to collect money.
01/12/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
FL
32789
Web
Originally, I made a payment on my Comenity XXXX XXXX account of {$920.00} that paid the statement balance in full. Comenity mis-posted this payment to my XXXX XXXX account, with no balance, that resulted in a negative balance of {$920.00} on that same XXXX XXXX account. My Comenity XXXX XXXX account was now past due with the amount of {$920.00} plus fees.
I contacted Comenity regarding the mistake they made in the posting of my XXXX XXXX payment. Furthermore, as instructed by Comenity, I disputed the overdue charges of {$920.00} on my XXXX XXXX account in writing. I provided written evidence that Comenity had mis-posted my XXXX XXXX payment of {$920.00} to my XXXX XXXX account that now had a negative balance of {$920.00}.
XXXX agreed that they had made a mistake and would make the corrections to ensure the {$920.00} payment would be applied correctly to my XXXX XXXX account along with removing any interest accrued and late fees. In doing so, Comenity was to remove the credit balance from the XXXX XXXX account.
Comenity made another mistake while trying to correct its first mistake of the mis-posted payment. In trying to correct the mistake, Comenity then double charged back my XXXX XXXX account and then double credited my XXXX XXXX account. At this point, I now had a negative balance of {$920.00} on my XXXX XXXX account and a positive balance of {$920.00} on my XXXX XXXX account.
I called the XXXX XXXX to attempt to advise them of the second mistake and that I did not owe any money on the XXXX XXXX or XXXX XXXX card. This was Comenity making continued mis-postings to my accounts. I was advised that it would be corrected by the Comenity representative. Unfortunately, it was not corrected, and I called again. Again, I was advised it would be corrected and it was not. I was then sent a check by Comenity for my negative balance on my XXXX XXXX account.
I advised the representative that I would not cash the check, because the money is not mine. The representative said that they would put a stop payment on the check and correct the two account balances to where both would be {$0.00}. Again, this did not happen.
I do not owe Comenity any money on either account. Furthermore, I will not provide Comenity any money. This is all due to Comenity making multiple mistakes regarding my original payment that was to be applied to my XXXX XXXX account. Comenity has shown a lack of regard in even trying to correct its multiple mistakes and has now wrongly reported late payments to my credit reports. Comenity could easily resolve this issue, but has chosen to not even try to figure it out. Please ask Comenity what are the charges that resulted in the balance of {$920.00} on my XXXX XXXX account. There are no charges on that account. Only Comenity 's continued mis-postings.
08/06/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with balance transfer
TN
37211
Web
I decided to take advantage of a balance transfer promotion XXXX XXXX was offering for their XXXX Master Card customers and transferred {$3000.00} to XXXX from XXXX XXXX ( XXXX XXXX Master Card ). XX/XX/2018 is the day it posted to XXXX.
I called one week after the transfer to see when XXXX would receive the payment. A XXXX representative told me it could take up to 30 days for the check to be mailed, received and posted to my XXXX account.
30 days passed and XXXX still had not received the check. This was verified through a 3-way phone conversation that I had with a representative from both credit card companies. I now had a balance of {$3000.00} on two different credit cards and began to incur interest charges on the XXXX account so I filed a dispute at the end of XX/XX/2018.
On XX/XX/2018, I received a letter from XXXX stating their records show the amount of {$3000.00} was transferred and paid to XXXX on XX/XX/2018 and included a copy of the check. I contacted XXXX to see if they received the check and they still had no record of it. I conducted another 3-way phone call with the two companies, which unconvered that the check mailed to the wrong address ( PO Box , city and state were all incorrect ), it was missing numbers from my account number and it didn't appear to be endorsed. Furthermore, the check was dated XX/XX/2018 and it said " void after 30 days ''. Therefore, even if they did receive the check in XXXX they would not be able to cash it.
A second dispute was filed with XXXX on XX/XX/2018. I called on XX/XX/XXXX for an update only to learn that there was no record of me filing the 2nd dispute. So, I filed it again on the XXXX. It was at this time that I ended up paying XXXX {$3000.00} so I would stop incurring interest charges. They had already waived one interest charge for the troubles I was having.
I emailed XXXX on XX/XX/XXXX through their online message center asking for an update on the 2nd dispute. The response was that they were sending me a letter of their findings, with a copy of the check sent to XXXX, and it could take 7-10 days. I was also told that I would not be responsible for paying the amount in question until the dispute was resolved.
I received the letter on XX/XX/2018. The second letter said the same as the first letter and included the same image of the check dated XX/XX/XXXX. NOTHING had changed. A new check was not sent to the right address and thus the cycle continues.
I received a message from XXXX on XX/XX/XXXX ( TODAY ) saying that I would indeed be responsible for paying the minimum amount due so as to not receive a late charge. The due date is today so I called, made the minimum payment and then cancelled the card. Now I need your help investigating the issue to get to a resolution.
07/22/2019
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
TX
77082
Web
I am writing to dispute fraudulent charge ( s ) on my credit report in the amount of {$680.00}. I am a victim of identity theft, and I did not make these charges. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. In addition, under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. I requested Debt validation which was to include the following : 1. Who was the original creditor on this account, and what was the account number?
2. What was the original amount owed? A complete payment history, starting with the original creditor.
3. Documentation that indicates that I agreed to pay someone this sum of money.
4. What was the original date of delinquency for this account?
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
6. What did you pay for this account, and how did you calculate the current amount owed?
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. Please investigate this matter and send me a written explanation of your findings and actions.
05/11/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
MI
48044
Web
My husband and I decided to remodel our home 's floor. so we went to The XXXX XXXX located on XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX and we met XXXX , sales representative. We picked what tiles we want and everything else. So the sales rep offered us a financial help with their store credit card for 12 months free interests suppose to be a promotional they had at that time, free interest for 12 months period that's what he told me. So on XX/XX/XXXX same day, he ran my name and my social number and I was approved for {$17000.00}. so we made that purchase for the tiles for {$6600.00}. after we received the tiles, and after about few weeks we received the first statement from the tile shop credit which is backed up by Comenity Bank. when i got the statement i found out the promotional free interest was only for 6 months not 12 months like he told me. anyway the balance was high and the tiles were home so i couldnt do anything, i was afraid if i call them and complain they will tell me to pay off the whole balance and i didnt have the cash at the time. so when my promtion was going to expire on XX/XX/XXXX i tried to lower my balance as much as I could to avoid paying to much interests. so i lowered my balance to {$3300.00}, and when i got my recent statement i was shocked to see they charged me {$870.00} in interests. i never expected to be this much, i know i have a balance due and my promotional rate ended but i didnt know it was going to be this much interests. so when i called them and talked to them they told me oh these were held interests for the 6 months for the original balance and i will have to pay them if i dont pay my whole balance before my promotional expires. i told them, i wish i knew that, the sales rep promised me 12 months free interests, and he told me they are free interests for 12 months, he never told me they were held interests. i thought their store credit card is just like all the other credit cards with their promotional deals for 6 months free interests or 12 months free interests. now they cant do anything about it, they dont want to wave the interests, they dont want to give me a break or help me even though i offered to pay my whole entire balance today. We feel we got scammed with this credit card, i would never opened that card if i knew the details, i was never going to apply for it if i knew is going to be only for 6 months, they played us The tile shop and their Comeity bank, i feel this is not fair and its not right, and if i dont pay they going to ruin my name and my credit. i feel this is a fraud from the sales rep, the company, and the bank, we feel trapped now and no way out of it until i pay their interests. please help me to wave the interests and make them stop doing that to other people.
12/07/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
KY
40067
Web
Hello, On XX/XX/XXXX I received a letter that has the date of XX/XX/XXXX at the top from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR, XXXX This is the company that administrates my XXXX XXXX Credit card, issued by XXXX XXXX XXXX that I have had a perfect record with for approx. 6 years. I have spent thousands and thousands of dollars on this card/account.
The letter says that due to inactivity my account/card has been closed ( 24 months of inactivity ) and the closure is effective immediately. I called the company and asked why can not this be turned back on? I want it back on and to use it. They said they would love to ( this is the 1st, 2nd, 3rd, and 4th person I spoke to in progression of supervision ) turn it back on but the system can not turn back on an account that has been closed.
This has effected me via my credit score. It has lowered my overall available credit dollar wise. It has also closed my second longest aged credit account. This will also force me into a hard inquiry to replace the card as well. So in many ways this has impacted my credit score and it is not fair as a consumer.
I asked why I received no notice that the account was to close? No call or mail stating this would happen. The reps said well you could have used it online and I asked who buys diamonds online? Seriously? But if I had known I would have bought a smaller purchase just to keep the account open.
The main issue of why I couldn't use this card this year is Covid. I didn't use it last year as I had just paid off several purchases and the jewelry for my wife and family/friends was all still pretty new. So I skipped XXXX XXXX and etc. XXXX is different and I have been actively going to the local XXXX XXXX as well as many across several states ( I travel as an executive for my business employer ) and none of the stores are open.
I feel that this is an unfair act and the company is exercising it's terms in an unfair method outside of good faith to me as their credit consumer. A simple phone call, email, or letter would have not only avoided this but also gotten them a sale/profit. Instead they have closed this account without warning and using an extremely poor excuse to not be able to fix it. Basically once its done it is done. Well their IT people could fix this is they wanted to.
I was under the impression that it was not " legal '' or allowed to close a consumers credit account during this pandemic. Is this true? Can someone help me? All I am asking for is the account to be restored to it's previous state and I will use it immediately and regularly.
( I recorded this call the same as they told me they were doing and have the file available if need be but it is too large to upload in this complaint. Over 10 MB. ) Thank you, XXXX
07/30/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
FL
32751
Web
My identity was stolen in XX/XX/XXXX. The identity thief opened many credit cards in my name including a Victorias Secret credit card ( as well as an XXXX XXXX XXXX XXXX credit card ) through Comenity Bank. On XX/XX/XXXX I called Comenity Bank and reported the fraud as well as reporting it to all credit bureaus and the police. I put a fraud alert with each credit bureau. Comenity Bank told me they would start an investigation. Comenity Bank informed me on XX/XX/XXXX via letter that they found the Victorias Secret credit card account to be valid but the others were fraud. I called again and disputed the Victorias Secret credit card as fraud immediately on XX/XX/XXXX at XXXX with 'XX/XX/XXXX ' who said they would send it for re-investigation. Comenity Bank sent me a letter dated XX/XX/XXXX saying that they would not re-investigate a duplicate dispute. I disputed the Victorias Secret credit card account with each credit bureau on XX/XX/XXXX. XXXX came back and said that Comenity Bank " verified that this account belongs to me ''. It does not. I called Comentiy Bank again and disputed again. I received a letter dated XX/XX/XXXX from Comenity Bank stating that they " have concluded you are not responsible for the account '' and that they would remove it from the credit bureaus. I thought it would be over at this point but the Victorias Secret Credit Card is still being reported as valid to XXXX. I called Comenity Bank again in XXXX of XXXX to report that the Victorias Secret credit card was still showing up on XXXX and that I noticed that Comenity Bank had reported hard inquiry pulls from the identity thief applying for more fraudulent credit cards with them ( I had an active fraud alert at this time ) : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( Comenity Bank ) XX/XX/XXXX - XXXX XXXX ( Comenity Bank ) XX/XX/XXXX - Wayfair Credit Card ( Comenity Bank ) I called Comenity again and asked to have the Victorias Secret credit card and the hard inquiries removed from my credit report was told to " Just dispute it with the credit bureau you can dispute anything ''. The problem is when I dispute it with the credit bureaus Comenity Bank tells the credit bureaus that it's valid. In XX/XX/XXXX I disputed all of the above through XXXX again, and the conclusion from Comenity Bank was " These Inquiries are a factual record of file access. '' which they are clearly not. I called Comenity Bank one more time in XXXX of XXXX and told them they are still reporting the Victorias Secret Credit Card to XXXX and they sent me another letter dated XX/XX/XXXX that " I am not responsible for the account '' and they would move this account from my credit report. As of XX/XX/XXXX it is still there as well as the hard inquiries made by the identity thief.
11/07/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
60025
Web
Older American
On two of four billing cycles with my XXXX Credit Card ( Comenity Bank ), I was charged late fees and interest. In all four instances, the payments were sent electronically by my bank ( XXXX XXXX XXXX ) well in advance of the due date. Each statement also clearly states that finance charges would occur if the payment was not received ( as opposed to cleared or processed ) by the due date. In the two cases where I was charged late payment fees and interest, both payments were sent electronically 7 days ( XX/XX/XXXX ) and 8 days ( XXXX XXXX ) in advance of the due date ( XX/XX/XXXX and XXXX XXXX respectively ). My bank advised that I allow 5 days for each payment to reach Comenity. My bank record show that neither payment was cleared ( processed ) by Comenity Bank until 8 days ( XX/XX/XXXX XXXX and 12 days ( XXXX XXXX ) respectively. One of the four billing cycles in which I was not charged a late fee was when the payment was sent on XXXX XXXX ( due XXXX XXXX, cleared on XXXX XXXX ) and XX/XX/XXXX ( due XX/XX/XXXX, cleared on XX/XX/XXXX ).
I called XXXX after receiving the late fees and interest charges on my XXXX Statement ( payment sent on XX/XX/XXXX, cleared on XX/XX/XXXX ) and the XXXX agent acknowledged the mistake and removed the charges. I notified Comenity ( instead of XXXX ) the second time it happened, on my XXXX Statement ( payment sent on XX/XX/XXXX, cleared XX/XX/XXXX ). I also want to note that I sent the XXXX payment on the same day that I received the XXXX. Statement from Comenity via email, just to make sure the payment got to Comenity on time. In my secure message conversation with Comeity about the problem, their agent informed me that they waived the XXXX charges as a onetime courtesy and refused to entertain the idea that any fault may lie in their management of my account. I then contacted XXXX and the XXXX agent removed the fees, but said it was because XXXX did not want to lose me as a customer. Like Comenity, she would not consider the idea that there may be some problems with how Comenity is managing XXXX customer charge accounts.
I paid off my balance with Comenity, minus the late fees and interest charges and will cancel my XXXX charge account after the payment for items I bought since the XXXX. Statement clear my bank. Although my problem has been resolved, I am filing this complaint because I have serious concerns that other XXXX and Comenity Bank customers may be experiencing overcharges with respect to late fees and interest charges on balances. If it happened to me in two of only four statements total ( 50/50 chance in my case ), and I still don't know how to avoid the problem in the future. it seems likely that this may be happening to others who do business with Comenity or XXXX.
01/04/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
GA
30097
Web
I bought my wife a one-carat diamond ring to commemorate our XXXX wedding anniversary in XX/XX/XXXX, using XXXX XXXX Credit Card issued by Comenity Capital Bank XXXX It took me 30 years to buy her a diamond ring, and it needed another 12 months to pay it off. However, due to personal circumstances, I could not pay the remaining account balance in full in XX/XX/XXXX, the last month of the twelve-month promotion. The balance in XX/XX/XXXX was {$400.00}. Shockingly, I found that Comenity Capital Bank imposed a {$480.00} finance charge in the XXXX statement, which included all interests accrued in the past 12 months. Although I filed a dispute to request a waiver of the finance charge, it had been rejected. Until I checked Account Summary of the XXXX XXXX Credit Card website in XXXX, I absolutely had no idea that interest had continued to accrue over the past 12 months! I have been receiving paperless online PDF statements so that its hard to check the monthly statements line by line, page by page. I cant understand that Summary of Account Activity on the first page of the monthly statement and Account Summary of the XXXX XXXX Credit Card website state nothing about interest accrued for the past 11 months until XX/XX/XXXX. Above all, Comenity Capital Bank placed details on interest accrued for the past 11 months on the third page of the four-page statement, which I cant understand at all. Surprisingly, however, the XXXX statement shows all account activities and accrued interest as the attached XXXX statement shows. It proves that Comenity Captial Bank has intentionally and deliberately hidden information on account activities and accrued interest to confuse customers and give them false information! No one would imagine that interest accrued for the past 11 months would be charged at once since it was listed or shown nowhere. I doubt if all of the above is Comenity Capital Banks fair business practice to their customers. Although Comenity Capital Bank should have notified transparently that they would charge all interests accrued in the past 11 months or impose a certain amount ( {$480.00} or whatever amount ) as the finance charge in XXXX if the account balance is not paid in full by the XXXX payment due date, they didnt do so. Their warding on the monthly statement is so unclear that it seems to intend to confuse customers and prevent them from paying the remaining account balance in full. To sum up, Comenity Capital Bank significantly forces customers to accept an unfair condition. Accordingly, this is an unfair contract since it forces customers to accept an unfair condition disadvantageous only to consumers. I think I only have to pay interest on {$400.00} since my remaining account balance was {$400.00} in XXXX.
12/07/2018
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
IA
52501
Web
I have a XXXX XXXX XXXX Credit Card through XXXX XXXX with a limit of {$200.00}. I haven't been able to make a purchase or payment for over two months because I don't have a checking account. I have received 3 Late Payment charges, for the simple fact that I don't have a bank account. When I receive statements, the only payment allowed through the mail is a check. When I attempt to call in a payment by phone, I'm only allowed to use a check. When I was late with my payment the first time, a male XXXX XXXX representative called me. I told him I didn't have a checking account. He said that since my payment was late, I could make that monthly payment plus a Late Payment Fee with an alternative method. I made that payment with my Mastercard Debit Card. I was never informed that I could make my payment every month with my Mastercard before my payment was due. I opened a checking account just to make my monthly payments to XXXX XXXX XXXX. Upon several attempts to transfer cash from my Mastercard Debit Card to that checking account, I was unable to successfully transfer funds. Then, I decided to close that checking account. I haven't attempted to open another checking account yet. I also loaded my XXXX XXXX XXXX, ( In which I have my own personal routing number ) to make a XXXX XXXX XXXX Credit Card payment that month. That payment was declined by XXXX XXXX. I missed my XXXX payment, not knowing the XXXX payment to XXXX XXXX XXXX XXXX was declined. I missed a payment XXXX, since I didn't open a bank account and I really don't want to open a bank account at this time. I received a call a couple weeks ago from XXXX XXXX male employee. He wanted a {$52.00} payment and said I could use my Mastercard. I told him about my checking account problem, the rejected XXXX payment, and how I can only use my Mastercard when my payment 's late. He told me I could use my Mastercard for my monthly XXXX XXXX XXXX Credit Card payment before the due date and that I only needed to talk to a live person to make a payment with that. I didn't know anything about that until 3 Late Payments accrued to that account. The lack of information has harmed my credit. The man I spoke to seemed to be amused and didn't offer me any credits to my account, so I didn't make any payments. Last week, I called to make a monthly payment and I described the previous incidents. I was told by a XXXX XXXX female employee that she would waive one Late Payment Charge, but first I had to pay the Late Payment Charges and my monthly payments. I didn't approve of that and didn't pay the Late Payment Charges or my monthly payments. I think the bank is deceptive for not informing me of having the option of paying by phone to a live agent until 3 Late Payment Charges later.
02/25/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
NY
11235
Web
Greetings!
I spoke to an agent about debt collection issue from XXXX XXXXXXXX XXXX.
I complied in good faith and to show my good intentions only but not judge my situation based on my records. I am a good payor and only was a victim of the credit card scheme or the card never arrived and received by me. I tried to explain to the agent I think the call was recorded. Anyway the short version of my story is I purchased an item on Victoria secret for only {$95.00} which is not really a big amount for me not to pay for it. Now cashier offered me discounts 10 % on my purchase, I was interested and engaged, ended up getting a card, she did even try to say that it was a credit card on the first place. Anyway it happened and gave me a receipt that I kept for evidence until now. The receipt says that I will receive the a credit card about 10 to 12 days. Now, the card did not arrived and was never received. Then, a letter came to stating late fees which I strongly believed is invalid because in the first place there was no credit card and means to pay the credit. Now, conflicting assumptions came that this is a scam and/or scheming. Delaying the card by mail. I went to the bank to check the transaction history and all. I investigated more and took time to check my assumptions. Then charges, piled up. On the month of XXXX a letter stating that I purchased an item which I did not do. During this time I realized that the card was stolen or manipulated by the company to increase the charge but I can not prove that. So the amount increased and double. I called the credit company to report this but said to me they need my SSN card copy and proof of address mailed to them, which I doubted, and did not comply because they can't have my SSN and in the first place my SSN was in their records. So it took time that they closed the account until it accumulated higher fees. Now COVID 19 happened XXXX and I am a active XXXX XXXX for the State of New York and was assigned in a COVID center hospital. I can't deal with the problem due to the nature of my work and lack of knowledge, skills and resources to amend this and claim my reputation as good payer.
So, I am signifying that I paid only and only with intentions and good faith to resolve this and recover my good reputation with my records. It was not intentional not to pay but rather the card never arrived. I am appealing to XXXX XXXX XXXX to please clear up my name as soon as possible because I need my FICO scores to go up. This record was never meant to be on my profile as a person and dont just clear me get the record deleted. This is COVID times in New York that I badly needed my reputation and good standing from my bank. My life is devasted already because of this problem.
02/04/2018
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
CA
92623
Web
XXXX XXXX once again made an error on my statement that they're blaming on XXXX because they don't want to fix it. They keep telling me give us a chance, when I do I get XXXX responses such as the letter attached. I do not have any interest free purchases with them anymore. The 2 I had in XX/XX/XXXX should've been paid off with many payments made to them by now. Recently I get a statement from them showing 2 with very high balances & 1 low that should've been paid off by now! I went onto their site to dispute it even sending the same statement I've attached to show them all of the info. They sent me back a generic response stating I need to send it in writing! Email with attachments is considered in writing if I am correct! This is once again their way of refusing to handle problems. I told them I'd report the issue to you to force them to once again respond as I had to the last time they gave me the run around back in XX/XX/XXXX. They asked that I give them a chance, then I received the attached letter which is exactly how they avoided handling the issue before! I'm sick of this co. and have decided once they're paid off this acct. will be closed! I have no desire to do business with those that try to pass the buck and refuse to resolve problems. They don't need my business and neither does XXXX. Neither is really that good at figuring out problems or correcting them so the complaint will be against both co. 's. This way XXXX will see I had to file 2 complaints about the same issues against XXXX because neither wants to take responsibility for doing things right. I've made my payments on time, have used the card responsibly yet both co. 's just pass the buck to avoid taking responsibility and accountability. I've had it with both and will do my shopping else where. Neither is the only game in town and just gets worse as time goes on. I want this mess corrected effective immediately. If they don't I'll sue both until one of them decides to step up and do the right thing! I don't do the no interest deals anymore because they don't credit them back properly when I return something. So when I did the last $ 500+ purchase back in XX/XX/XXXX, it took me coming to you to get them to fix it, that was it for me! Now I see another huge no interest deal on here that I know for a fact I didn't do???!!! Nope! Not putting up with it anymore. I said it before that I would close the account but gave them another chance, now that is the intent with no turning back. Neither co. deserves my business with the horrific service levels provided over the last year and going into XX/XX/XXXX. I refuse to do business with anyone that can't provide top notch customer service. This problem better get fixed or I'll see both in court!
10/21/2021
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
VA
23120
Web
On XX/XX/2021, I was shopping on XXXX As I was going to check out, I received a pop-up message that I had been pre-approved for a Torrid credit card and if approved would received 40 % off my order. At the time, all the items in my cart were on sale for at least 40 % off. I decided to apply, but first continued shopping and added more sale items to my cart, including one item that was 35 % off.
I applied and was approved for the card, and went to check out using the card information that was pre-populated into the field.
I was surprised to get a new pop-up letting me know that the new card holder discount could not be applied to my purchase unless I removed the discounts from the individual items. My options were XXXX ) apply the 40 % of but remove the individual discounts or 2 ) keep the discounts on the individual items and forego the 40 % forever ( it very explicitly said it could not be used later ).
I re-read the initial terms and conditions and read that the new customer discount " Can not be combined with other offers. '' That's not inherently unfair but I take issue with these things : 1 ) " Offer '' does not equate - to me and likely to most other people - to " discounts on sale items. '' No mention of discounts or sale items was included in the footnote ( screenshot attached ).
2 ) All of the items in my cart when I received the pop-up telling me that I would save 40 % on my order if I applied for and used the card were on sale for at least 40 % off.
I chose to keep the discounts on the sale items ( as to do otherwise would have not saved as much money ) and used a different credit card to make the purchase.
Shortly thereafter, I called Comenity Bank. I explained the situation and requested that the account be closed, and the tradeline and inquiries be removed from my bureau file. The first agent I spoke with advised she couldn't do that because the application had already happened. The supervisor I spoke with advised that because I had applied for the account, he also could not do that. He told me that Comenity isn't reponsible for what XXXX puts on their website, hypothesized that everyone gets that pop-up ( I think in order to explain why I would have received it with sale items in my cart ), and apologized for any misleading information. He advised that I could file a credit bureau dispute and provided the address to which I could submit a written request. No phone or digital options were offered.
This is not an acceptable resolution. I was deceived by the sequence of events ( cart full of sale items followed by a pop-up promising 40 % off for my in progress purchase ) and a " XXXX '' footnote that refers to " offers '' which are not reasonably equated to sale item discounts.
01/15/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
IL
60089
Web
I bought a couch on XX/XX/XXXX from XXXX 's. They advertise and tell you that you have 24 months 0 % financing. When I received my statement the plan expires XX/XX/XXXX This is 1 year 11 months of financing.
In the prior complaint the company claimed they fixed the issue. However, What they did was credit the account purchase date of XX/XX/XXXX with a payoff date of XX/XX/XXXX and then charged my account with a purchase date of XX/XX/XXXX and a payoff date of XX/XX/XXXX. By doing this my prior months payment on the promotional plan was then credited to the other promotional account which is also only an 11 month payment plan. When they did this they took all my payments applied to this promotional plan and put it on the promotional plan that is coming dueXX/XX/XXXX.
There are also two new promotional accounts on my statement this month with the same problem. The dates of the promotional period is from XX/XX/XXXX- XX/XX/XXXXand XX/XX/XXXX - XX/XX/XXXX. These are suppose to be a 12 month promotional plan but once again it is 11 months. If these were 12 month promotional periods the period should be XX/XX/XXXX -XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX.
THIS IS FALSE ADVERTISING!!! FIX YOUR SYSTEM TO REFLEX 12 MONTH FINANCING OR CHANGE YOUR ADVERTISING.
They do not charge you interest if you buy something on the retail account and then you pay it off when you received your statement. But they start the promotional account from the day you purchase the item. I have several other cards and not one calculates the free financing in this manner. They either have to quit advertising 12 months free financing or advertise that it is 11 months free financing. They also advertise that anything over 350 is free advertising. However, if you buy anything on their website they do not offer free financing at all. This is extremely confusing to the consumer and is not right.
This is the worse credit card I have. I have to call monthly to get things corrected and I have to have payments adjusted and applied the proper way. This is how consumers are getting screwed by XXXX XXXX.
My next step is contacting a lawyer for a class action lawsuit. I have already shown an attorney the statement and how the retail account works vs the promotional plan works and how one does not have 12 months to pay the account or 24 months to pay the account and that you only have 11 months or 23 months to pay. However the amount that is required to be paid on the account is calculated at 12 or 24 months. So if you do not watch the account you will not pay off the account in the time frame and then get zapped with the interest for not paying it off on time. This is a scam.
The way they corrected my statement is not correcting the problem.
09/28/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
VA
23608
Web
This card is XXXX and is essentially a XXXX card and issued by Commenity Bank. I got it when I needed XXXX XXXX. It has special promotion that gives 24 months in which you make continuous payments of at least a minimum amount and if paid off in full by the end of that time then you owe no interest. If you do not pay it off during this time or miss monthly payments then the high rate interest is added to your account. My payment was due on the XX/XX/XXXX and I did make the payment on the XX/XX/XXXX for more than the minimum amount. For months I have had issues with website making payments and they have an early time and when I finally got in the website there was hours left of the XX/XX/XXXX but the payment date refused to allow me to post for anything but the XX/XX/XXXX. I tried to call before posting the payment and got a message we are closed call back during business hours. I didn't want to delay payment so I made the payment and immediately emailed them explaining the issue asking for the late payment to be waived and I got a message back it was waived last month and that it will not be waived again. I messaged them back asking for corporate information and explained that I have had issues for months with trying to pay the bill and have asked for tickets to be put in but I have never gotten a call and got a message back saying there are issues with the website where sometimes you cannot access it and make payments if using XXXX and they would not waive the fee and future use another browser. I replied back saying that if I had been told this months ago there would be no issue and it would have fixed it and that due to the known issue on their part the fee should be waived and also the website should have a disclosure to tell people so it can prevent this from happening. I am still getting a refusal to waive the fee. I called corporate and the person that took the complaint said she understood the issue with XXXX and agreed she had personally experienced issues and she would research and see if someone could call. I got a call and they said that they forwarded it to the bank since the bank handles the card and XXXX has no access. I told her this was unacceptable putting it off and back to customer service and she hung up on me. I am asking the $XXXX fee be waived and if they cannot fix the issue for accepting payments from XXXX that a notice be included on their website that stops others from being charged all these access fees as they know most people won't continue to fight or take it to the government for review since it seems like a ploy by them to get extra money and look for reasons to charge all that high interest building up that they lose when balance is paid before 24 months is up.
05/03/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
TX
75080
Web
On Wednesday, XX/XX/XXXX @ XXXX XXXX XXXX I contacted Comenity Capital Bank to inform them to block & cancel my credit card immediately. The customer service rep assisted me in identifying that there were multiple simultaneous transactions that clearly did not match my transactional history pattern nor were they done by me or anyone I know. The fraud was swiftly reported and I made it crystal clear to the Comenity Capital Reps that I also reported my US Passport stolen and filed a XXXX report with the XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX. They can be contacted @ XXXX XXXX XXXX XXXX and can easily verify the validity of the report and issuance of NEW gov issued identification. The report itself also states the cc stolen detail. In fact I'm pursuing legal and law enforcement action against the crime. The transactions varied from small to large most notably charges for XXXX and XXXX XXXX from what appear to be at multiple random locations. I was able to gather one of the identities of one of the charges XXXX XXXX XXXX XXXX XXXX of the airline purchases and we are gathering further XXXXntelligence on this offense that continues to prove the offenses and Identity Theft. This information and evidence has been submitted to the appropriate parties pending further action. The last approved charge done by me was on XX/XX/XXXX merchant - XXXX. All of the charges in XX/XX/XXXX are fraudulent. What is absolutely erroneous to me and the professional counsel I've been advised by is that the charges were approved despite the flagrant and suspicious locations and charge amounts. This is very unprofessional of Comenity Capital Bank and shows a disregard to safeguard customers accounts. I spoke to multiple reps about this again in Account Protection on XX/XX/XXXX since Comenity Capital Bank added the balance transfer back unto my account on XX/XX/XXXX for {$6900.00}. I was told by Comenity Capital Bank rep that one of the merchants claimed that I have a " son ''? This is a false statement and a lie and I can continue to easily prove that XXXX. I did not make these purchases. XXXX. I do not have ANY family or friend members that made these purchases. XXXX. I do not have a son. I have contacted multiple pertinent parties about this, I've filed an Identity Theft report, XXXX report, police report and am currently getting professional counsel on my legal binding rights. I'm currently gathering further evidence of the Identity Theft/Fraud and have everything documented prepared for next steps. This is not difficult because the truth and right thing to do is very clearly outlined. Please correct this error as soon as possible in accordance with the FCBA, FCRA & Section 605B of the Fair Credit Reporting Act.
12/10/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
TX
78209
Web
My wife and I went to a XXXX XXXX in XXXX XXXX, TX on XXXX XXXX XX/XX/2018. We were interested in purchasing a couch and talked to a sales representative there about purchasing a couch. They told us that we could get the couch and if we were approved for a credit card, we could chose to have 0 % interest for one year or 10 % " cash back '' in XXXX XXXX dollars to spend on additional XXXX XXXX merchandise. We told her we would think about it over lunch and she gave us a piece of paper to apply for the credit card online while we were eating. We applied, were approved, and came back to the store afterward to purchase the couch. We opted for the " No interest for a year '' option with the sales representative. The couch had to be special ordered and so we waited until around XX/XX/XXXX to receive it. We got our first statement in XX/XX/XXXX with a purchase date of XX/XX/2018 ( this is not correct ) for {$2800.00} ( this is correct ). We calculated the amount we would need to pay monthly to pay off the card before twelve months and set up monthly payments of {$300.00}. We have been making monthly payments of {$300.00} since XX/XX/XXXX ( our first payment due date ). We JUST this month noticed that we were getting charged interest each month ( {$64.00}, {$62.00}, {$58.00}, {$51.00} over the past four months ). We also have NO XXXX XXXX rewards. Looking back over our paperwork, our first statement said " look for your {$270.00} in rewards coming later this month '' but those never came. So, we received neither the promotion we wanted or the other promotion. Our account currently says that we have spent {$140.00} this cycle and are {$100.00} away from our first reward dollars. We called our local XXXX XXXX where we purchased the couch and told them about our problem. They pulled up our paperwork and confirmed that we had selected the 0 % interest option. The manager there, XXXX, agreed that we should not have been charged interest but that it is up to the bank. She offered to send the paperwork to the bank that holds the credit card and try to get our interest refunded. Five days later, she called us back to let us know that the bank will not reverse the interest because too much time had passed. They said we would have had to have caught the mistake in XX/XX/XXXX in order to have the interest reversed. This is not our mistake but an admitted mistake by XXXX XXXX, yet we are being charged for it. We could have bought this couch on ANY other credit card and received significant points for our purchase. There was NO REASON for us to open an additional credit card without receiving any benefit. We have since paid the entire couch off ( XX/XX/2018 ) to stop us from being charged additional interest.
01/06/2022
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
93401
Web
Comenity Bank ( Victoria 's Secret credit card ) sent me a refund check in XX/XX/2021 for {$93.00} which was made out to XXXX XXXX. I didnt notice that my maiden name was on the check, and I tried to deposit it on my mobile device ( mobile deposit ) into my XXXX XXXX account. The check was returned and couldnt be deposited because of the name, and I was charged a {$5.00} fee by my bank for the return of the check.
After that happened, I contacted Comenity to change my name on my account to XXXX XXXX, my married name. Comenity issued me another check for {$93.00}, and I successfully deposited it. I then noticed that Comenity put that {$93.00} amount back on my account that I owed back to them, saying I deposited two checks. The only way I could correspond about the matter was to mail them documentation, which I did, twice, trying to explain to them that I only successfully deposited one check. They kept sending me back letters saying they needed more proof. One night I got my bank XXXX on the phone and called Comenity customer service to settle the issue. We got a manager from Comenity on the phone, and after over an hour we confirmed that I needed to send them proof that the first deposit didn't go through on XXXX letterhead of some sort. Comenity said I could send this information to them electronically on their messaging system online. I've tried twice to do this but it always fails and says the message can't be sent. So the only way to correspond was to send a letter to a po box they provided on the bottom of their letters which first stated XXXX XXXX XXXX XXXX, Ohio XXXX. The last two letters I've received from them have a different XXXX XXXX XXXX, now XXXX XXXX XXXX. The last letter they sent me says they never received my documentation!
When I call customer service their hours are inconvenient for me as they're on Eastern time and I'm on Pacific, and by the time I get home from work at XXXX, they are closed. Each interaction with them over the phone takes an hour because they have issued me no case number, so every time I call about the issue I have to explain it to somebody new. It's beyond frustrating and I just want the {$93.00} back that they owe me, plus a late fee of {$29.00} that I was charged for not paying my bill in full when I was in the " investigation process '' ( which I was told I would not be charged by a customer service rep ), and also I was charged a transaction fee of {$3.00} because of that bill.
All I want to do is get my money back and then close my account because issues like this shouldn't take 7 months to be handled. Thank you, XXXX XXXX XXXX : I had to remove my savings account information for confidentiality but I've forwarded them all these documents.
12/20/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
VA
20170
Web
Hello Sir / Madam, I have a XXXX ( XXXX ) Mastercard credit card supported by XXXX XXXX ( XXXX ) since XX/XX/2015 with a high credit limit. I use XXXX XXXX / XXXX online payment to setup payments of the outstanding monthly balance IN-FULL for the XXXX / XXXX XXXX credit card and did not have a single late payment situation. In fact, have used the XXXX / XXXX service for over 10 years with no incidence of late payments with this credit card or any other payments made via the XXXX/XXXX setup.
Problem : Bogus late fee and financial charges levied for large balances About 4 months ago, besides the smaller transactions, I made a large purchase that bumped up the outstanding balance to over $ 10K. We sent the FULL payment as we always do, but this time, the XXXX XXXX fraudulently failed to credit the payment in a timely manner even after they received it on time. They charged me a late fee and a financial charge. I contested the issue and they agreed to refund the late fees as well as the finance charge.
Last month, I again made a purchase with the XXXX / XXXX XXXX credit card that pushed the outstanding balance to over 10K again. Given the experience of 4 months ago, I scheduled the payment two days prior to the usual date. Lo and behold, I found that the payment was credited late to my account. They fraudulently charged me a late fee ( {$27.00} ) and and a finance charge ( {$150.00} ) for a two day delay. I disputed the late fees and finance charges. I even provided the bank with evidence that the money was sent and payment debited from my bank account 4 days prior to the due date. First off, one agent told me that I should send payments 15 days before the due date. I found that very absurd because I sometimes receive the paper bill less than 15 days before the due date.
I opened a dispute with them. After having reviewed the evidence I provided, the XXXX XXXX agreed to refund the late fees of {$27.00}. However, they refused to refund the finance charge ( {$150.00} ). I find this charge outrageous since they accepted that I had sent the payment on-time and they even believe me so agreed to refund the late fees. The bank also claimed that this was a second instance of late payment so they can't help me any further.
Strangely, this late crediting of payment only occurred for large payments and not for any other months. I called XXXX and received no help from their customer service. They washed their hands off and directed me to the XXXX XXXX customer service. I get the feeling that they are somehow working hand-in glove. Can you please investigate XXXX and XXXX XXXX for illegal and consumer unfriendly practices?
I wonder if other banks are also doing the same to their customers.
10/09/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
WI
54107
Web
I made a purchase at XXXX XXXX XXXX for {$7300.00} on XX/XX/2019. Store sales workers talked me into a credit card with a 36 month payment plan. I made sure to ask them about early payoff penalties and they said there would be no penalty. On XX/XX/19 I paid the balance off in full. On XX/XX/19 I received a statement with a {$21.00} fee. I contacted XXXX XXXX credit card that day through their Secure Message Center online.
I said " I see we have an amount due on our statement but we paid this card of over a month ago. We should not owe any more. '' The reply from XXXX XXXX XX/XX/19 " We will be happy to assist you today. The original purchase of {$7300.00} on XX/XX/2019, was placed on a 36 months low Annual Percentage Rate ( APR ) of 14.99 % with equal payments. Because the promotional plan offered a low APR, interest starts to accrue the date the purchase bills to the account. The finance charges will continue to bill until the promotional plan expires. '' My reply XX/XX/19 " To be clear, we are being penalized for paying off the purchase early?! That is not right. We have spent over {$25000.00} in the past 2 years at XXXX XXXX and would like to continue to BUT we will not if we are going to get charged interest on a paid off credit card. There was not supposed to be any penalty for early pay off. That is extremely sneaky of XXXX XXXX to pull that. Please get this resolved. '' The reply from XXXX XXXX XX/XX/19 " We certainly do apologize for any inconvenience or confusion this has caused. Please be informed that the finance charge is assessed to the account when you have a carryover promotional balance. The interest charged to the account is calculated on the average daily promotional balance. The only way to avoid the finance charge is to pay the statement promotional balance in full each month. Also be informed that the finance charge of {$21.00} is charge on your promotional plan of 36 months lower Annual Percentage Rate ( APR ) of 14.99 %. '' My reply XX/XX/19 " You realize that we planned on spending another $ 25K- $ 50K in the next 2 years at XXXX XXXX for ring upgrades and you will be losing us as a customer because of this sneaky fee that was not advertised to us when we signed up. You are losing two long time XXXX XXXX customers for about {$570.00} ( the amount of the fees for the next 27 months )! This is terrible customer service. If this can not be removed, please give me a contact number and name for the next person in charge. I am completely outraged about this. '' They have not responded. I think this fee for keeping a " lower '' interest rate is a scam. I have no balance on the credit card, I am not using the " lower '' interest. I do not feel a fee should be charged.
08/28/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
AZ
85142
Web
My Victorias Secret credit account # XXXX XXXX XXXX XXXX with Comenity Bank was charged a minimum interest charge in late XXXX ( I believe the charge was billed on XX/XX/XXXX ) for which I was unaware. I was not expecting a charge because I had paid off the balance in full earlier in the month on XX/XX/XXXX and had not used the card at all since. After I made the payment I checked to make sure it had posted the next day and it had and the balance reflected {$0.00}. However this charge was apparently for the previous month and was billed after the fact. I was advised it was charged anytime a balance carries over. But most people do not check a credit account when theyve already paid the balance in full.
Also, considering the fact that the credit card company makes money only when someone carries a balance and interest accrues, to charge a fee for the credit card company to essentially make more money off of you when they are already making money by the sheer fact that you carried a balance and are paying them interest, it just feels extremely predatory to me - like they are finding a legal way to increase interest without actually increasing interest. Which prohibiting the unlawful increase of interest is the whole intent behind usury laws. Because I was not aware of this fee ( it wasnt a practice at the time that I opened the line ), I was advised it was something they implemented later, it continued to carry over and I only discovered it when my credit reporting agency notified me that my score had dropped 150 points because one of my credit lines showed past due.
I called the credit company directly to say I wasnt aware of any fee, that Id already paid the balance in full and I asked them to please remove the late from my credit reporting - that I had brought the account current and wasnt aware of this practice. I was advised that the fee practice is legal, they can do it, that I missed it, and that they werent going to remove the late payment from my credit for the fee that they charged me for them making money off of me by charging me interest, even after Id paid the balance in full.
This fee has caused the exact same issue to several other card holders as it has to me. This is a predatory practice, its not a clearly identified or anticipated fee ( like a late fee would be ), and I feel like this practice shouldnt be permitted, this is an overly complicated practice for the consumer, and one only designed for the intent of further making money off of increasing interest payment - without actually having to unlawfully increase the interest rate, thus bypassing usury laws. A lot of consumers feel that this type of fee should be considered a prohibited practice under usury laws.
03/06/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
NY
11747
Web
Name of the company : COMENITY Name of the credit card : My XXXX 's XXXX My XXXX bill was XXXX due on XX/XX/XXXX.
On XX/XX/XXXX I paid XXXX and XXXX totaling XXXX. I made a math error and I was XXXX short of paying the bill in full. Since XXXX I have paid my bill in full with this card.
On XX/XX/XXXX COMENITY charged me XXXX FINANCE CHARGE.
My XXXX bill was XXXX due on XX/XX/XXXX. On XX/XX/XXXX, paid the bill in full, XXXX
On XX/XX/XXXX COMENITY charged me XXXX FINANCE CHARGE.
My XXXX bill was XXXX due on XX/XX/XXXX. On XX/XX/XXXX, I paid the {$7000.00} bill {$16.00} more than the amount due.
On XX/XX/XXXX COMENITY charged me XXXX FINANCE CHARGE.
On XX/XX/XXXX at XXXX PM, I called and spoke with XXXX in COMENITY customer service. She told me the reason I paid so much in interest was because I was charged interest on the entire balance in XXXX ( because I did not pay it in full ) not the balance owed. I explained to her that I can not be charged interest on money I have PAID to COMENITY. I believed it was an illegal practice. I had only seen the one interest charge for XXXX at the time XXXX I asked if she felt it was appropriate to pay three times the amount of the balance in interest. She disagreed and stated that is the policy. I closed my account.
I found this so incredulous I called COMENITY customer service again and escalated this issue and I was transferred to XXXX XXXX. XXXX confirmed what XXXX said and added the detail that if a balanced is not paid in full, COMENITY will continue to charge interest on that XXXX total balance until the bill is paid in full for TWO full months -- even though bills in the meantime are being paid in full! XXXX explained to me that all of this is in the fine print of the credit card account paperwork I received. I asked XXXX if he had ever read that paperwork. I did not receive a response. At the time I spoke to XXXX and XXXX, I thought I had only paid XXXX} in interest. I also asked XXXX if he felt XXXX and was appropriate for a XXXX balance back in XXXX when the following two months were paid in full and one case more than full. Again no response.
Subsequently I went to the COMENITY site and learned I paid XXXX since XXXX in interest for a XXXX balance on a XXXX bill when the next two months ' bill were paid in full. NEITHER the customer service representative, XXXX or XXXX informed me of this discrepancy. So in effect, I paid XXXX interest for 30 days on XXXX That is usury.
I am asking the CFPB is this practice legal -- charging people interested on amounts PAID to a company? Charging interest when balances are PAID IN FULL for two months after one month of a minor math error of XXXX of the balance?
Please advise.
05/16/2017
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Seized or attempted to seize your property
NY
10034
Web
I made an agreement that I would pay {$75.00} on XXXX , then {$120.00} on XX/XX/XXXX and {$120.00} every month until the amount of XXXX and change was paid. They way I found out about that they were trying to reach me was with a recording that the they left my sister cellphone. Giving my name and last four of my social. stating that i needed to be present at my house if not present or if I did not call that date he would appear at my place of employment at the hr office where one of my managers needed to be present. I called them and made a payment plan how ever the payment was to be deducted from my account, but forgotten about it, because I did n't get a courtesy call or even a letter. I got a call of the none suficiente fund and that they would take any property away. I called back but was on successful. I called again today because they had left me another voicemail. I wanted to talk to them because they had mention that the first payment did n't go through and I had proof. The second because I had forgotten and did no have the funds in my account it was unsuccessful. But what had bothered me about this last conversation was that I was driving and I told them that I would call them back in 20 minutes so I can make the payment. He said no that I only have 3 minutes because they close at XXXX and that if they did n't get a payment that there lawyers now can sue for more money. I said let me see if my mother can give me her card information because I ca n't stop on a bridge. I did a 3 way call he now said after my mom gave him the card number that he would also charge 34 for the return payment making it {$200.00}. I said to him no my mother does n't have that and also XXXX plus XXXX it 's XXXX . He proceeded to take the XXXX with the understanding that I would call him back again tomorrow with my card to put on file as well to be charged XXXX but he said it need to be done early that if not that they would call my mother and she can make the arrangements with them since my hours of work are not convenient and I work in a bassement and have no reception. I asked him to give me his hours of operation and he proceeded to say why does n't my mother handle my account. First of all my mother was doing me a favor because I was driving and could n't get to my purse as second My mother does n't need to pay my bills. He said she 's more understanding and I said she 's a XXXX patient dealing with her treatment that she does not need them calling her. I had it with them. If they want to show up to my job which is new they could, and if the want to take the car that 's not completely mines they can try but I do n't need them harrasing any of my family members with these treats
03/04/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
MI
49525
Web
Older American
On XX/XX/2019, my wife, XXXX and I responded to an invitation from XXXX XXXX to meet in XXXX XXXX regarding signing up for a resort membership. We succumbed to the presenters ' blandishments and agreed to sign up for a lifetime, bequeath-able vacation package. The up-front fees were {$6000.00} which we tried to pay with our own existing credit cards. The presenters insisted that we use one of their own proffered credit cards issued by Comenity-XXXX Rewards Mastercard.
The Card numbers were XXXX for XXXX XXXX and XXXX for XXXX XXXX.
These were presented as " no interest for six months '' cards but later it transpired that that promotion was only applicable based on a monthly minimum payable due on or about the XXXX of each month.
Accordingly I had set up two auto-payments per month from my bank for each of the cards. In a display of gross in-efficiency the bank applied both those payments to the same account and to compound that in-efficiency or perhaps mal-feasance, it even charged a late fee to the account to which the payment was not applied. After much effort and several calls to the bank 's customer service department I was able to get the two payments applied to the accounts they were intended for and also have them reverse the late fees.
On XX/XX/2019 my bank, XXXX XXXX, mailed out the entire Principal Balance due on those cards, the statements for which had a due date of XX/XX/2019. It would appear that the payment would have reached COMENITY by that due date. Unfortunately, the payment was posted on XX/XX/XXXX, enabling the payee to assess a significant LATE FEE on the statement for a due date in XX/XX/2019. I had no control over the posting date by COMENITY. Since then COMENITY has been charging a Late Fee in each month and adding a Minimum Interest payment on those illegitimate Late Fees. At this point that bank is demanding {$140.00} and {$140.00} on each of the cards. These amounts are comprised only of LATE FEES and ACCRUED INTEREST on those LATE FEES making such Fees a considerable source of Income for the Bank which is refusing to reverse the initial fees assessed on the XXXX payment. I have made that request at several management tiers of the bank. In hind- sight I believe that the bank deliberately delayed posting the XXXX payment merely to have justification to assess those fees. I reiterate that the entire Principal Balance has been paid off and the balance now being demanded is only the snow-balled total of Illegitimate late fees and interest on those fees, thereby compounding the mal-feasance of this bank.
It is requested that the COMENITY BANK be prevailed upon to reverse those charges under advice to the Credit Bureaus which have marred our credit scores
03/13/2017
Yes
Credit card
Other
KS
66049
Web
I have been attempting to use the hardship program with community bankXXXX credit card, since XX/XX/2016. I keep getting the run around and feel taken advantage of and disrespected. The company continually gives me false information or lies to me. I have called time and time again and they are not doing anything to assist me in resolving my problem. They just keep trying to get me off the phone and to wait longer. What is the problem? There needs to be regulation. My request is that I was told that I was supposed to have a hardship back date to XX/XX/XXXX, XXXX/XXXX/XXXX/XXXX/XXXX Late Fees need to be removed after 3 on time payments. I have been making on time payments every month since the auto payments were set up by the representative in XX/XX/2016. I was told that was the only way to be in hardship. I keep seeing that my credit report was showing late it said XXXX 30 days, XXXX 60 days, XXXX 60 days, XXXX 60 days. Finally in XXXX on the XXXX I spoke to XXXX ID XXXX she said XXXX was personally working on my account and would call me back ... She never did.. XXXX ID XXXX same day said the history needs to be back dated to XX/XX/XXXX. She said XXXX already was removed and {$130.00} will be removed in XXXX and {$20.00} more in charges and {$8.00} more in finance fees. She said the XX/XX/XXXX statement would show {$45.00} in late fees removed and {$21.00} in interest removed. They said I had to make 3 on time payments to have the rest removed ... this is their error I have made all on time payments since my account is on auto draft, I do n't know what part of that is hard to understand. XX/XX/XXXX spoke to Aeramis XXXX @ credit report needing corrected, she said she is escalating the issue and may reflect in XXXX or send a letter, Neither of these has happened. XX/XX/XXXX Spoke to XXXX XXXX he said the new statement on XX/XX/XXXX or XXXX will reflect a refund of fees {$130.00} and the other money was from another department so he ca n't see about it, he said the is doing an escalation about my credit report. XX/XX/XXXX called again because new statement does n't reflect any refunds either. XXXX XXXX had a very rude tone on the phone said it wo n't reflect until XXXX. Transferred to XXXX who again said XXXX her number is XXXX. I asked her about the escalation that XXXX said he was doing on XX/XX/XXXX she said did he transfer you to a supervisor? I said no she said then no escalation was done. She said she does n't see any records of any escalations. I asked her why people there keep lying to me? Why does n't anyone care? I do n't understand how this company is being allowed to do this or scam people. I should n't be treated like this as a consumer. What can be done to stop this??????
04/14/2017
Yes
Credit card
Advertising and marketing
GA
30043
Web
I was misled into thinking that I could have a XXXX alternative from XXXX in XXXX GA. They set me up with a Comenity Bank account for a debt of over {$5500.00}. After XXXX weeks I let XXXX know that I had zero results. They had me wait until a full 3 months had passed to see me, all the while I was making payments to the account.
After 12 weeks XXXX got me in, took my XXXX, and took after pictures. I almost cried, I had gained XXXX and there were no differences in my pictures. I was clearly upset with the results and wanted to speak to someone. The nurse said she was sorry, suggested some natural ideas help with XXXX and said a manager would call me.
Once I finally heard from a manager they tried to sell me on a second round of the procedure for another $ XXXX. I refused and contacted Comenity Bank for help.
The service from XXXX was fraud. The pictures on the sales ads were deceptive, and it should be illegal to take advantage of consumers like this. They advertise XXXX alternative and show unrealistic before and after pictures. I had zero results and informed the company after 4 weeks to let them know.
After I filed the dispute, Comenity Bank instructed me to work my issues out with XXXX. I contacted the XXXX corporate office and was told they would offer me a credit and that a manager in GA would reach out to me.
The manager in Georgia did reach out to me. She agreed that the service was NOT successful and offered me a store credit for future services of {$2800.00}, still wanting me to pay Comenity $ XXXX. I refused this offer and went back to Comenity bank to let them know we could not resolve this ourselves.
I was told by the XXXX customer service that the dispute would be refiled on XX/XX/2017. I have written on the company XXXX and client portal for updates and help with no reply other than call customer service. Today I called customer service and they said they had no record of me contacting XXXX to resolve and thought they had sent a letter to inform me. The rep said she was n't sure why the letter was n't mailed and would reopen the case.
I feel like I am getting the run around from the bank and have definitely been scammed by XXXX. PLEASE HELP ME! I have two other accounts with Comenity funded ( XXXX and XXXX ) that are paid on time and XXXX is actually paid in full.
I have no problem paying my bills but do have a problem being taken advantage of.
When I complained on the Comenity XXXX page a consumer referred me to contact your site for help. I hope that you can help me and shut companies like this down. I wish I would have done more research before using XXXX. I see that many thousands of other people are going through this too.
Kind regards, XXXX
06/01/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
TX
75115
Web
I became a victim of identity theft in XX/XX/XXXX when I received emails stating phones charged to my plan, credit cards maxed out, loans applied for. I immediately called all creditors, filed a police report and submitted information through the Federal Trade Commission one of which was the Victoria Secret Card financed through Comenity Bank. I informed them that my information online had been changed based upon fraud and all charges were fraudulent and submitted letter through FTC to them with their affidavits. They took care of the charges and removed from my bureau. I have not lost or had any cards stolen or identifications stolen that I know of and can account for all cards for this company which I have forwarded copies to them. The problem is they consistently allowed these fraudsters to enter into their stores and continue to use my social security number for account look up so that fraudulent purchases could be made . ( FIVE T IMES to be EXACT ) I gave passwords, they overrode them and allow these crooks to have access, they allowed updates online to where phone numbers and email addresses were changed time after time. The last and final straw for me was when they stated they did not know how to protect my account and I should just close all of them. Really? Well, at least I thought that would be the final straw BUT they allowed these crooks to do it again and this time sent me a letter stating there was no basis for my claim and I must pay the fraudulent charges. REALLY? NOT! I immediately called and they stated they needed a copy of my identification, what about the other five claims filed with the same information send time after time. Why send a letter accusing the victim of these charges when it is heavily notated and communicated that my identity has been STOLEN? Nevertheless, I send another copy of front and back of my identification and other documentation certified mail this time on XX/XX/XXXX they showed received on XXXX but I had to call today and was told that they are backlogged but they will have the information sent to the investigator and she will call me on Monday XXXX . I will be waiting while fraudulent charges consume my credit report and a email reflecting I owe on XX/XX/XXXX is in my inbox. I will wait for an apology, a clearance of ALL fraudulent charges by phone call and written letter. Also, they have closed my account which I have had for almost 10 years if not 10. Is this an inside job at the store and/or the company. Why was access bypass to allow continuous FRAUD. if one investigator from the last case stated he just do n't know. I want this cleared up immediately. The current case number is XXXX . Sincerely, XXXX XXXX
12/22/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
90038
Web
I was contacted by XXXX on XXXX/XXXX/XXXX concerning charges that they identified as potentially fraudulent in the amounts of {$59.00} and {$400.00} and I confirmed that these were, in fact, fraudulent. They closed the account and I thought that would be the end of it. A couple of weeks later I went in to find that the charges were in fact still there and I was told that I needed to contact the fraud department to get them removed. I did this twice -- only after the second time did they send me the necessary paperwork to remove these charges. I returned the paperwork and checked back a week later to find that not only have the charges not been credited but that they had erroneously CHARGED me for the amount that should have been credited. Additionally, the date of the charge had been backdated as this had n't been processed until at least the second week of XXXX but the charge was datedXX/XX/XXXX. This left me now with an outstanding balance of {$910.00} -- double the amount of the original fraud -- with the second charge having a fraudulent date of XX/XX/XXXX entered by XXXX XXXX.
I discovered the error on Monday, XX/XX/XXXX and called and after speaking to three people on that call was told that the matter would be resolved immediately and I should see the charges gone by the next day. It is now Friday, four business days later and it is still not resolved. When I called, it appeared that it was n't resolved on Monday and that I needed to speak to the fraud department again. At this point, I have spent close to 4 hours not only attempting to resolve the original fraudulent charges but also the erroneous and fraudulently dated double charge from XXXX. At the time that I am writing this, the issue has not yet been resolved.
There has been no good faith effort on their part to resolve the issue and if I were n't someone who frequently checks their accounts, this easily could have resulted in additional penalties. While I understand that errors do occur, their lack of effort regarding resolving the issue that they created is my primary complaint. I have had other cards fraudulently charged and the issue remedied in 24 hours. We have now gone over a month and not only has n't the original problem been solved but I was then fraudulently charged ( not just in error as it was also falsely backdated ). I was told today that this should now be resolved and I will check again next week but wanted to ensure in the meantime that a ) no one else would have to go through this, b ) be refunded the full amount of my annual fee of {$150.00}, and c ) receive payment from XXXX in the amount of {$380.00} ( my billable rate of $ XXXXhr x 4.5 hours the time spent resolving this ) at MINIMUM.
03/07/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
OR
97116
Web
XX/XX/2017 I purchased Items from XXXX, as Returns. XXXX monitors or states that they monitor lots they sell, and theres a small expected % of possible salvage items. The order contained well over HALF of the items found to be scratched, cracked, broken, and worse. XXXX I believe is WELL AWARE that they add a HIGH % of salvage items in to lots that are listed as RETURNS in order for XXXX and their sellers to make a higher profit, this in turn ruins Small Businesses like myself when they lie and cheat and deceive the little guy.
Paypal I filed the dispute. I spoke with a number of Paypal associates who did not seem to really understand common english, after I attempted over a DOZEN times to submit proof, evidence since XXXX, and attempted via Email to Paypal as well in regards to the Error I still receive even to this date when trying to view the Case, Submit documents, etc.
Example Error on Paypal site : Sorry your last action could not be completed If you were making a purchase or sending money, we recommend that you check both your PayPal account and your email for a transaction confirmation after 30 minutes.
If you came to this page from another website, please return to that site ( don't use your browser 's Back button ) and restart your activity.
If you came from PayPal 's website, click the PayPal logo in the upper-left corner to return to our home page and restart your activity. You might have to log in again.
Continuing ....
I made well beyond a good faith effort, and then some with Paypal on this issue, and the Report of the items. I will not be paying the {$460.00} period since I was not able to perform any actions in regards to the case due to Paypals poor Resolution process and defective website as clearly stated above.
Also in defense of the order that I will not be paying the {$460.00} is that the purchase was allowed at the time of purchase 6 months No Payments 0 % interest, and at the Denial of the resolution Paypal refused to honor their own advertised 0 % No Payments.
The items received from XXXX were considered 'SALVAGED ' & sold to me as 'RETURNS ' which is clearly false advertisement. XXXX has done this before and gotten away with it, and its time that they be found responsible for falsely selling their Liquidated items. A quick look at my XXXX account can verify the items defective percentage.
Paypal needs to Fix their stuff, you can not expect the Customer to fulfill requirements and such if your stuff is broken.
I expect to hear from the Corporate Office immediately in regards to this, and in regards to the sale from XXXX which Paypal should have honored the customer and protected me from their poor business practices.
03/02/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
15228
Web
I ordered some clothes from XXXX and I have a credit card with them through XXXX XXXX. I always pay this account in full and had received bills and paid them online. The clothes arrived and I paid the account in full. There was a backordered item, but I thought I had paid for it when I paid the account in full. The backordered item arrived many months later and when it did it said my credit card had been charged the amount of the backordered product.
I logged on to the account and paid the amount, but it was one day late. I called and talked to the agent who said they would forgive any fees based on the circumstances with the backorder.
On XX/XX/XXXX I began to receive calls from XXXX XXXX asking me to call. I did. I was told that the account was past due which surprised me. They had charged me the late payment fee even though they said they would not in earlier conversations and because I thought the account was PIF I had not checked it. There were a couple of late payment fees on there as a result! I explained the situation again to the agent, she removed the fees and told me if I paid {$18.00} it would resolve the issue. I had now basically paid twice for the item I ordered but I went ahead and paid it just to resolve the issue. I also asked that I now receive a paper bill because I did not trust them to do what they said from the original conversation about the backordered product and removal of the original fee.
On XX/XX/XXXX, I come home from work and the XXXX credit card statement is in the mail and I have a {$75.00} balance!! I immediately called and relayed to the agent the situation and that I was told on XX/XX/XXXX this was result and the account was PIF. They said they had record of the {$18.00} payment but the fees had not been removed and so I had received another late fee on XXXX, when I thought the account was PIF!! I asked to talk to a supervisor who said they could remove the most current late fee but not all the other charges, so I would owe {$55.00}, all of fees that I was told twice would be waived He said they had a one waiver policy and I could use it here. I told him, I had been told twice already fees were waived and I didn't trust them to do so and I would not pay for fees that I was told by the Comenity had been waive two times previously. He refused to do anything for me and when I told him I was going to the CFPB he then revoked the offer to waive the fee!! I then asked to cancel the account which he did for me.
I believe this is a scam by XXXX and that they are engaging in dishonest practices. I always pay my bills in full, I have excellent credit. I also believe they retaliated against me for raising a claim with the CFPB.
01/24/2019
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
DE
19702
Web
On XX/XX/XXXX I paid off my XXXX XXXX XXXX credit card balance in full. I noticed that despite this being a billing cycle, the credit agencies still had an incorrect balance as well as an incorrect past due status. I filed a dispute with XXXX on XX/XX/XXXX. In the interest of transparency, and my long relationship with XXXX XXXX XXXX, I called the company and let them know I filed the dispute. The customer service representative was disrespectful and insisted neither she nor her superior knew how the credit reporting team worked. I never actually spoke to the superior. The representative claimed she put me on hold and asked. I made clear that if this was not resolved in a timely manner, I would file a complaint. They had an attitude and we hung up the phone.
XX/XX/XXXX they at last reported my XXXX balance and current status. I received an alert from XXXX XXXX on XX/XX/XXXX that my credit limit had been decreased from {$6000.00} to {$100.00}. I sent a secure message to XXXX XXXX XXXX Customer Service asking who or what caused this. I was told the Credit Bureaus alerted the Bank that my score had dropped so the credit card company took action to lower my limit dramatically and would evaluate me month to month. I found this difficult to believe as the Bureaus don't volunteer information on consumers. They report to the Banks/Financial Institutions whatever is relevant, and when they are asked, as long as it is within guidelines. I was also told that XXXX XXXX XXXX sent a letter to my house on XX/XX/XXXX. To this day, I have NOT received a letter in the mail of that nature. In fact, I have received numerous coupons and rewards instead. I am a paperless customer and pointed that out. After a few days back and forth with XXXX XXXX XXXX, they sent me a secure digital message on XX/XX/XXXX stating the information they claimed to have sent to my home on the XXXX. The letter and reasoning was inaccurate : I have a XXXX with XXXX that has a XXXX balance, is in good standing, and has a five figure limit. One of the alleged delinquencies is a reporting lapse, and I have a letter to back that up. Additionally, I've had credit for well over a decade, so there is no issue with a young credit history.
I strongly believe this was a retaliatory response to me first filing a dispute with XXXX and then alerting them that a complaint would follow if they continued to drag their feet. I would also like to add that I would sign a sworn affidavit that says I never received the XX/XX/XXXX letter in the mail. As you will see, the letter they finally emailed to me is dated XX/XX/XXXX. Why not just attach the original one that was supposed to have been typed and sent on XX/XX/XXXX?
11/03/2017
Yes
Money transfer, virtual currency, or money service
Virtual currency
Other transaction problem
CA
92627
Web
Older American
On XX/XX/XXXX, I used my PayPal account which years ago set up a line of credit for me based on my good credit rating, called PayPal Credit, linked to my PayPal acct, to transfer {$100.00} into the account of an organizer of " Meet-Ups '' for a weekend rafting trip. The lender for PayPal Credit accounts is Comenity Capital Bank.
On the day of the trip, the receiver of my money informed me of various facts not previously disclosed, adding many miles to the trip and other disclosures about the area which I 'd not been informed prior to paying him. I did not join the " Meet-Up '' trip, nor get anything I 'd paid for & requested he credit me for the money. He refused and he used the date of payment for the trip as the same date for any refund, even though he omitted substantial disclosures until 3 days later, XXXX XXXX, XXXX, the date of travel, so I filed a dispute with PayPal/PayPal Credit.
PayPal first summarily denied my dispute without so much as reviewing any information I sent them, since the trip promotion emails & emails on the day of travel confirm my statements. I asked for an appeal & provided the email documents from him. Those documents were received into their resolution center, under my dispute. However, the following transpired showing a total lack of any cooperation or action from the Protection Services Dept. agents, in the resolution center.
On XXXX, XXXX of " Protection Services Dept. '' stated " I can see your issue was resolved '', which made no sense, was vague and nothing had been resolved. This was after receiving the emails which contained the proof of claim in dispute which I 'd sent to be reviewed, Next, I received from XXXX, " Protection Services Dept. ", on XXXX at XXXX XXXX a request that the emails I submitted be " screenshots '', rather than sending the emails the only way I 'd known to do to the email address given to me. So, I complied and learned how to send the emails on my tablet as screenshots, and then sent them to their email address the only way & address I 'd been given by them. Next, on XXXX, XXXX XXXX the third agent, XXXX, " Protection Services Dept. '' sends me a completely conflicting message, now saying that the information can not be sent that way & needs to be sent differently wording her response at if it were to an inquiry instead of an on-going appeal/dispute, and in the resolution center mailbox, it now shows my dispute as no longer open. I will print and now fax the emails one more time, as of XXXX XXXX, XXXX, but have no faith whatsoever that any action will be taken, as not one agent of the 4-6 Ive spoken to in the process of this dispute even acknowledged, accepted nor read my supporting documents.
02/19/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CO
80238
Web
Servicemember
I purchased rings at Zales and spent over XXXX, which was fine. When I applied for the credit the card machine/screen was down so you could not read the agreement. I let the customer service rep know, to which she gave me two options. A fixed amount of interest for the entirety of the loan or 18 months free interest. After the 18 months the interest would start on the remaining balance. The balance after 18 months was XXXX I made large payments every month on time every month. I had the account on auto pay and made double the minimum amount. I can provide statements of these payments, I am very conscious about my credit and take it seriously.
On the 19th month I received a statement stating my balance was now over XXXX. I called Zales right away and notified them there was a billing error. At this time they let me know the " agreement I signed '' stated 18 months is true but only if the entirety of the XXXX was paid in 18 months. If NOT the interest would be added as if the promotion never existed. I was unable to read this or a get a copy of such agreement since the machine was down and the customer service representative lied about this. Had I known this was the agreement I wouldn't have signed because its nearly impossible for someone to pay nearly XXXX in such a short period.
They charged me over XXXX in interest. I have called Comenity Bank several times throughout the year trying to get the issue fixed I have also wrote several letters. I am more than willing to pay the remaining balance of what is rightfully owed to them, which was XXXX before the billing issue and I am willing to pay interest on the remaining balance because that is what I agreed too.
I contacted the XXXX a month ago and the company has now reimbursed me XXXX which I am grateful for but is still incorrect. My new balance is now XXXX which is incorrect. I am asking the company to do the right thing which should have been done from the beginning. I would like to pay the remaining balance of what was owed before the issue. I would also appreciate it if they contacted the credit agencies and remove the negative marks I am now facing due their poor customer service and incorrect information they are reporting. I have never been late on ANY payments ( ie : mortgage, cars, credit cards all of them are on autopay. ) I have recently made a payment to Zales even though the amount is still incorrect as good faith showing I am trying to do the right thing. I have also reinstated the auto pay I would just really appreciate it if they did the right thing. I feel as though they are practicing unfair and misleading credit practices in order to get sales and commission.
Thank you for your help.
02/18/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
MA
01606
Web
Servicemember
Been a constant this has been a constant problem since the beginning of XXXX but started near the third quarter of XX/XX/XXXX. Someone made a fraudulent transaction through vendor using my bank account number which I immediately reported to citizens Bank. They were supposed only place a temporary block on vendor XXXX transactions but that was supposed to be at. Since I use vendor frequently, I called to clarify that I don't want it permanently blocked and I requested that they remove the block. That was actually done. Since I am a XXXX veteran, I get paid by the VA on the first of every month. I usually pay all my bills on the first of the month or shortly after. When I paid all my bills on XX/XX/XXXX, everything seemed fine. I've always only had one checking account since XXXX. Then I started to get return payments from every financial institution idea within every company that I pay a bill to. The specifically regards transactions or bill payments made using my ACH number. Every company of course blacklisted my bank account ending in XXXX. XXXX Bank was or the computer system was telling all of these different institutions that my checking account was a nontransaction loan account. That wouldn't make any sense since I have all me always paid all these bills with XXXX checking account ending in XXXX. I called and I explained that logic to all these different financial institutions and all of them eventually re-enabled the checking account ending in XXXX. I actually received a letter from the chairman of XXXX Bank and also a head bank branch manager explaining that it was a fault of an employee on their end. I have a BJ 's credit card administered by commenity bank. They were the only institution that required me to jump through hoops and get all these bank letterhead statements to reenable that account. I have submitted both letters five times and the account ending in XXXX is still blocked. I've spent over XXXX hours dealing with their bank customer service between chat, secure messaging, and phone support. I have fulfilled each and every obligation I had to this bank and jumped through every hoop. Their banking system is utterly incompetent as are there customer service representatives. I have letters from them stating that I will not be charged, reported as delinquent, or have to make payments until all of this is fixed. At least twice a month, I have to both call this bank and talk to them on secure messaging. They are breaking every obligation they have to me and this is gone on for far too long. I need help because they are way out of line. I have all these dates and records to reflect what I'm saying is true. I have no way to attach it to this report.
03/14/2017
Yes
Credit card
Late fee
NJ
07670
Web
XXXX Comenity Bank XXXX XXXX Ohio, XXXX I have been a XXXX holder for over ten years and have never had a billing dispute or late payment. I am extremely upset by a recent interest charge on my bill and I have spoken with your Customer Service Representative XXXX in the XXXX Call Center office who suggested that I contact you via fax.
On XX/XX/XXXX I purchased a sofa from XXXX for XXXX on a XXXX payment plan. The purchase of the couch and the incentive plan was encouraged by a XXXX design consultant. I have continued to pay all my bills timely throughout the course of this payment plan.
This same couch that arrived in XX/XX/XXXX was substandard in quality and the fabric was in such shabby condition that by XX/XX/XXXX, XXXX agreed to pick up the couch and replace the couch with the same couch but with a different fabric. The new couch was delivered in XX/XX/XXXX and it was delivered in a defective condition. I have been emailing and speaking with the customer service department for over 2 months at this point and have sent photos indicating the deficiencies. The couch was sent missing a leg and wound up damaging our wood floors as well as hardware underneath the couch to keep the four individual pieces together. To this date, I have not been able to get XXXX to send the appropriate hardware or send someone to fix the imperfections. I have included the emails and photographs for your review In XX/XX/XXXX, we were away and missed the mail and missed one bill payment to the credit card company. As a result from one missed payment, over {$2500.00} in interest fees have resulted for this same defective couch. We are now supposed to pay over XXXX for a couch that has been delivered completely defective twice.
I apologize for the one missed payment and did agree that you have financial terms to your agreement, however, your company is also supposed to deliver quality items that are worthy of the cost. In this case, we have received substandard quality and I have wasted an exorbitant amount of time and money trying to remedy this situation. The finance charge of {$2500.00} on one missed payment is exorbitant and unfair and seems to take full advantage of the consumer.
I have asked for the removal of the interest charges based upon our account history, longevity and the defective product At this point, we have asked XXXX to simply pick up the couch and refund our money and start over. We have had no response to this request.
We are at the point where we are ready to simply cancel the card and never work with XXXX again based upon this one incident. We have asked that the credit card company reimburse the account for the interest charge billed.
09/30/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
33405
Web
Please refer to the attached for full copy of statements XXXX XXXX The last purchase made with my Victoria Secrets card occured on XX/XX/XXXX which showed up on XXXX 's statement, due XX/XX/XXXX. Unfortunately, I made the payment too close to the due date ( XXXX ) and it was received on the XXXX, generating a late fee and interest charge, for a total of {$31.00}, due on XX/XX/XXXX. On XX/XX/XXXX, a new payment for the amount due was made, leaving a {$0.00} balance in the account. And, again, I have not used the card since XXXX, so I was not tracking the account any more at this point.
Here is where the unfair, unexplained and incoherent transaction starts. In my opinion a system error.
A new " Fee Charged '' for {$2.00} was applied to the account on XX/XX/XXXX. This has no explanation whatsoever. Considering I've already paid my dues, actually 15 days earlier ( paid XXXX, due XX/XX/XXXX ) The {$2.00} generated late fees and more interest and late fees over and over. The balance grew up to {$30.00} ( breakdown below ).
XXXX {$2.00} interest XXXX {$2.00} late fee XXXX {$2.00} interest XXXX {$6.00} late fee XXXX {$2.00} interest XXXX {$14.00} late fee XXXX {$2.00} interest On XX/XX/XXXX I received a paper statement ( while I'm signed up for eDelivery ) showing a total of {$30.00} balance due on XX/XX/XXXX. I should've not paid it at this time, however I did. A full payment was made, again on XXXX.
Today, I noticed a new balance for {$2.00} posted in the account. I went and paid it. But not fully convinced of what is happening, I decided to call Customer Service and discuss.
Spoke to XXXX with client service, and she understood the situation and credited the {$2.00} I had just paid. And offered me to transfer the call to her supervisor to apply the credit for the {$30.00} previously paid, as she was not able to process it. XXXX, XXXX 's supervisor, argued with me from the beginning, repeating herself and not listening to the full analysis I've prepared, before I called them. So I requested her to transfer me to her manager or a higher up agent. Then I was transferred to XXXX, Senior manager. Again, arguing and advising me to refer to the statements which were black and white, clear enough to anyone or close the account if I disagree to their terms and conditions. I explained, several times, that I did not disagree of being charged for the late fee in XXXX. however if I had until XX/XX/XXXX to pay {$31.00} and had paid that amount on XXXX, basically 15 days in advance, why am I being charged {$2.00} again in XXXX. It just makes no sense.
This call was on for almost an hour. And if they really recorded it, I hope you could listen to it.
07/20/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
LA
70458
Web
Comenty Bank/XXXX was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting Comenty Bank to correct the negative remarks on the credit bureaus and close out the case as it was discharged. Comenty Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. Comenty Bank has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with Comenty Bank I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. Comenty Bank started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XXXX - XX/XX/XXXX Then bank late from XX/XX/XXXXXXXX to present. During the months where they report current in XXXX, there was no communication with Comenty Bank. Why would they report current for some 5 months and then late again. No written communication from Comenty bank has been received since the discharge. My attorney stated that Comenty Bank was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr liberative prescription period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief Comenty has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.
05/23/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
AL
35816
Web
My dispute is with Comenity Bank. I have done several disputes with the company and on my credit reports. I have no knowledge of these accounts they have listed on my report. I've sent disputes and asked to send me signed documentation proving these accounts are mine. I keep getting letters back stating the accounts are verified and are mine with copies of billing statements, but nothing saying I signed up for these accounts bearing my signature. I recently went through a separation from my ex husband, ( due to XXXX XXXX and us being illegally married because he was still married to his first wife. ) I tried to dispute with the courts and he said he only did it for the insurance and didn't think it was illegal. They didn't follow thruoug with the XXXX charges. He fraudulantly kept the house ( rental ) with all of my personal documents. He has gotten a lot of things fraudalantly in my name but without physical proof I didn't consent to it, I am not able to file charges. According to the magistrate.
I have been disputing these charges for months and have also sent factual disputes for the discrepencies on each account. But Comenity insists on keeping it on my credit reports in order for someone to be resposible and pay. They have CHARGED OFF these accounts several times when I dispute them. Each account has been charged off 5-8 times. The accounts regularly updates even though it is charged off. They have negatively reaged the accounts changing deliquincy status of accounts to fool the credit bureaus into thinking it more recent. From my understanding, re-aging accounts is illegal and is a violation of the Fair Credit Reporting Act. When I dispute these accounts, the change the status to closed then later back to charged off. They have done this multiple times which negative affect my credit reports. Comenity lists accounts closed and reports missed payments/change payment history, then removes missed payments, then changes back, which constantly negatively impacts my report. If accounts are charged off, how can a payment history be added.
As of the recent dispute, they listed that they received a payment on each of the accounts which I have not made any payments on any of these accounts. Again, reaging the accounts on my credit reports. Isn't this illegal practicing?
From my research of this company, they are known for illegal practicing and not sure why they are allowed to continue. I would like for them to remove the listed accounts from my credit reports : Comenity/XXXX Comenity/XXXX ( XXXX ) Comenity/XXXX Comenity/XXXX ( XXXX ) Comenity/XXXX Comenity/Wayfair Comenity/Victoria Comenity/XXXX ( ( XXXX ) Comenity/XXXX ( XXXX )
05/11/2018
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
VA
22031
Web
I had a XXXX credit card with XXXX XXXX. A few years back I upgraded my credit card to the XXXX XXXX with XXXX XXXX and closed the regular XXXX account. Back in XX/XX/XXXX I was in a XXXX store and did not have my credit card with me so I asked if they could look up my card and pay for it that way. They did, but did not tell me that they were looking at my old account and that they could not look up the XXXX. So, I made a purchase of {$65.00} on XX/XX/XXXX with them having looked up my account. Then, on XX/XX/XXXX I made a return of {$56.00}. On XX/XX/XXXX I was in the store again and did not have my card. Because they were able to do so the first time and did not tell me it was the regular card, I made a purchase for {$34.00} and then again another purchase for {$81.00} on XX/XX/XXXX in the same way. Up to this point, I had not received a bill or email saying I needed to pay a bill because the account was supposed to be closed. I never thought to login online because I had been using XXXX XXXX online, which I consistently pay every single month and have not missed one payment. I received a late fee of {$9.00} on XX/XX/XXXX, still not knowing a payment was due. On XX/XX/XXXX I received another late fee of {$14.00}. This time I started receiving phone calls from a number I didn't know and eventually they called my parents house and my mother answered, it was XXXX. That is when I finally found out that now I was 30 days late with a payment on a card that I didn't know payment was due. About that time I called XXXX customer service to try and resolve this issue and get some of the late payments taken away - not realizing that I now would have a delinquent account on my credit report. The man I spoke to, was able to remove the last late fee of {$14.00} but did nothing else and did not warn me about the delinquent account. I recently tried to apply for a loan and got denied. I couldn't understand why. After checking my credit report, about 2 weeks ago, my score had dropped more than 100 points and i now had a delinquency on my account. I immediately called XXXX XXXX. The woman I spoke to was amazing. She spoke to a higher up person and they said they would remove the delinquency from my account. I am not sure how long this will take or if they actually will do this, but I feel as though this needs to be handled. I pay everything on time and one mess up, that I really had no control over and did not know about, has now effected my credit score and report dramatically. I want to make sure this is taken care of. I do not have the account number because I don't have access online and the automated system would not give it to me over the phone.
08/01/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
NY
10512
Web
Comenity capital bank. XXXX credit iopen this card for 12 months interest free credit at the end of the 12 months if you still had a balance they were charged all the interest to your account My accrued interest as on my statement every single month was to hit on XX/XX/XXXX and I need to make payment in full by then on the week prior to XX/XX/XXXX I called the one 800 number numerous times to try to make a telephone online payment they wouldnt except my online payment because of the amount it was over {$7000.00} they said I needed to speak to a representative I called three times I was on hold for 30 minutes 45 minutes and almost 2 hours and no representative ever came on I couldnt make it to the automated system because it was too high of a balance so I was forced on the day before XX/XX/XXXX to go online to their website and make the payment through the website when I got to the website there was a radio button that said pay this balance in full I click the radio button on XX/XX/XXXX the day before the interest was to be put on my account and they took the money out of my checking account no problem well it turns out that my minimum payment was due on XXXX XXXX and I never made the minimum payment so they waited until after the XXXX to put a {$25.00} late fee so even though my balance was XXXX on the XXXX like it was supposed to be not to get charged a accrued interest I owe them a {$25.00} late fee which they hit me for five or six days after I didnt make the minimum payment and after my belt is already XXXX and then they checked on the {$4000.00} in accrued interest I dont believe I owe them any of this money had their 800 number picked up the phone and they can check Buy my phone number that I called and I was on hold and they know that their automated system wont take a payment for that amount of money and that I try to do it and they will see that I signed up for the webbing in the day before the payment was due so that I could get this payment in because there was no other way for me to pay it I hit their radio button that said pay this balance in full and I did and then they still hit me with a {$25.00} late fee six days after and then charge me {$4000.00} in interest I dont think this is the way it supposed to work most credit card company said you with the late fee the day after you dont pay it and I think they did it on purpose their lack of customer service the lack of technology is what caused this problem and I would like the entire accrued interest for all the charges reversed I try to fight it with them and they gave me a XXXX {$50.00} credit so I would like all the rest reversed and it take it off my credit report ASAP
12/29/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was already discharged in bankruptcy and is no longer owed
LA
70563
Web
Servicemember
I am disputing charges in the amount of {$71.00} charged to my XXXX credit card for the following reasons : In XX/XX/XXXX I purchased three ( 3 ) XXXX gift cards w/ my XXXX credit card. I subsequently tried to use the gift cards at a local XXXX store in XX/XX/XXXX, but was told that due to the fact that XXXX stores were going out of business, the cards would not be accepted for use by XXXX stores. I initially sent correspondence to Comenity Bank disputing these charges on XX/XX/XXXX. I am enclosing copies of this correspondence and gift cards along with customer receipts showing each of the balances totaling {$71.00}. I paid out the valid XXXX credit card debt I owed to Comenity Bankd and disputed the gift cards I purchased totaling {$71.00} due to the fact that I was unable to use them. I have written the XXXX credit card company, namely, Comenity Bank, on multiple occasions advising of my dispute and requesting a chargeback on my account. I have also requested that Comenity Bank refrain from accessing me w/ late fees, penalties, interest, or damaging my credit without good cause and without notifying me in writing. I received correspondence from Comenity Bank on several occasions advising me that they were investigating my dispute. The last correspondence I received from Comenity Bank is dated XX/XX/XXXX advising they are handling everything related to my XXXX credit card account and advising they do not have detailed transaction information in reference to my purchase. I provided this information to Comenity Bank on several occasions and again on XX/XX/XXXX ( most recent ). On XX/XX/XXXX I received a telephone call from a representative of Comenity Bank advising that I was overdue on my XXXX credit card payment and that if it wasn't paid it would be placed in collections which could negatively affect my credit. I informed the Comenity representative that the amount she was referencing was in dispute. The representative responded that the dispute was resolved and that I needed to pay on the account immediately. I have never received any documentation from Comenity Bank informing me that the dispute was resolved and that if I didn't pay it my credit would be damaged. Shortly after this telephone call I receive a text message from Comenity Bank advising that I needed to call them regarding my XXXX credit card. I have tried to resolve this dispute w/ Comenity Bank over the last six ( 6 ) months and have never received any explanation ( whether oral or written ) from Comenity Bank as to why I would owe money for goods I purchased, but never received. I am requesting assistance from CFPB in resolving my dispute w/ Comenity Bank .
07/20/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MI
48152
Web
I have a XXXX XXXX XXXX Credit Card that is through Comenity Capital Bank. I made a purchase on a no interest plan using this card. I have done this numerous times in the past and have always paid my card on time and ahead of schedule. All of my payments exceeded the minium payment due. My card balance has two such plans for purchases at different times. I utilize their website to make my payments. I logged on to check the current balance today ( XX/XX/XXXX ) and realized my account balance went up by approximately {$500.00}. I made the purchase XX/XX/XXXX and the promotional balance expired on XX/XX/XXXX. I was surprised that there was not a notice on the website when I logged into make my last payment that warned me my promotional balance was about to expire. I would assume based on all the consumer protection laws that they would be required to notify the consumer of such an event. I was surprised to learn that they do not feel they need to have it online and I find the practice to be deceptive and not in the consumers best interest. I called and spoke to a customer service representative and then to a supervisor to voice my concern. I was told by the supervisor that they do not notify other than an item listed on the monthly statement of when the promotional balance will expire. I explained that while that is great if you use the paper statement that most people go paperless and that, as a company they really push paperless statements. I have several store credit cards from them and every time you log in it asks and recommends you go paperless. So I told her if they are going to push everyone into going paperless they should put a warning online when a promotion is about to end. She let me know that the statements were online and that I could have reviewed them. I do not think something like that should require you to click extra items and that it should come up as a warning when you log in to pay. I told the supervisor I found this practice to be deceiving and against the consumer credit laws that are available to protect the consumers. I also let them know that I made next months payment along with the remaining {$340.00} that was outstanding on the promotional balance today and asked them to help with the finance charges added. Both employees told me there is nothing they can do about the {$500.00} in interest that was added to my account. I am reaching out to you to see if you can help with these charges and that you can see to it they change their deceiving practices and add these warning notifications to the account details page on their website so that this does not happen to other people as well. Thank you in advance.
04/23/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
TX
76063
Web
We have two zero-interest promotional balances on our XXXX XXXX card issued by Comenity. Early in the process of paying the balances down, I called the card issuer and confirmed over the phone that their process was to 1 ) apply the minimum payment to each balance, and then 2 ) apply any extra funds to the promotion that would expire first, which is standard practice for any card I've had a promotion with in the past. Over the next number of months, after I spoke with them, I made over-the-minimum payments to pay down the balance that was set to expire in XXXX, but when I checked my statement I saw that they had not been applying the payments correctly. They were applying the smallest minimum payment to the balance that would expire first and everything else to the newer balance. I called them to try and rectify the issue, and they transferred money from one plan to the next for the incorrectly applied past payments, but when I asked them about future payments, their solution was for me to " call every time I make a payment to ensure it gets applied correctly, '' which I have been doing every month since then. The oldest balance expired on XX/XX/2020, so in an attempt to make sure it was processed correctly, I made the payment over the phone with an agent and told her exactly how to apply the payment. She assured me it would be done correctly and the balance would be paid off before the expiration date. I called back again a few days later, still before the expiration date, to double-check that it was done how it should have been. This agent told me she saw the notes in the account from the previous agent and assured me it would be processed correctly, but there was no way for her or me to see that until a new statement was issued. This morning I received my new statement, and of course, they have applied the smallest minimum payment amount to the balance that expired in XXXX and everything else to the newer balance and charged me interest on top of it. They make no apologies for processing my payments incorrectly, despite the multiple calls I make every month, and they certainly don't seem to do anything to rectify the issue going forward. I'm trying to figure out why it's my responsibility as a consumer to call a credit card issuer *every month* to make sure they apply my payments correctly *per their own policies* AND still get charged interest because *THEY* can't get it right. This is a predatory practice and takes advantage of consumers, even responsible ones who are doing everything they can to manage their finances appropriately. I have had no satisfactory action taken in response to my complaints directly to the issuer.
10/30/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
MA
02301
Web
Hi, how are you? Why is a collection shows past due and late payments? I thought by default a collection is by default late and past due. It's a violation of fcra and fdcpa and it's illegally re-aging this account. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
03/10/2021
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
TX
77433
Web
As of today 's date, XX/XX/XXXX. I found my XXXX XXXX XXXX credit card limit originally {$500.00} has been reduced to {$100.00} credit limit. My current balance prior to today 's payment of {$35.00} was only {$62.00}. I have been in good standing with comenity bank with my credit card. The only reason I got this card is for XXXX, birthday gifts, etc for my granddaughters. Their birthdays are over the next 2 days, so imagine my surprise when I'm about to make purchases. Comenity banks excuse is a change in my credit report. I received notice today of what is the impression of high usage on this card. I haven't charged on this card since XX/XX/XXXX. They say they received notification of a change in my credit report. I didn't authorize comenity bank to pull my current credit, I hadn't asked for an increase. There was no obvious reason because my account is in good standing to bother my account. There has been a major change today because of what comenity did in the limit decrease. My debt ratio has been negatively impacted with a balance of {$62.00} and now a limit of {$100.00} it makes it look as though I have excessive high usage and lowers my credit score drastically. Also, I had another credit card with Comenity Bank with Wayfair in good standing and it was closed by Comenity bank 5 months ago because Wayfair and Comenity Bank ended their relationship. The Wayfair credit card with a {$500.00} limit was closed with a XXXX balance. The closure negatively impacted and lowered my credit score. There are a major part of my credit change but make up excuses due to their companies business issues. My other credit card with them was not touched but I have used that card more and have a higher balance. This is not good business. If you are going to represent your company has a bank of business and extended credit then you should run business in a legal manner. Don't extend credit then make up a reason to reduce a consumers credit by intimidation if the card is not used up to the credit limit. How much I use, how often I use and when I use is at my discretion and not comenity bank. This a violation of contract and considered predatory actions. Under federal trade, consumer protection and federal credit reporting act. Reporting to the credit reporting agencies a decrease in credit limit is a negative defamation of character, causes harm and damage. It gives the impression I'm not creditworthy or mishandled my account when that is clearly not the case. With the pandemic disaster along with the winter storm disaster here in Texas everything has been behind. The thing to provide happiness on my grandchildrens face and you take that away.
05/16/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
NY
12528
Web
Comenity Bank XXXX XXXX XXXX XXXX, TX XXXX on statement closing cycle XX/XX/XXXX billed me for finance and late fees because they claimed my payment arrived late. Since I have even had the account my payment history is impeccable and I mail payments within the few days after receipt of their statements. In recent months their statements arrive late. Perhaps due to the weather problems in Texas or their own internal defects or errors. After speaking with 4 representatives they ( smarmily XXXX agreed to credit me for the fees. I paid the full amount they claimed was due by XX/XX/XXXX and this payment was printed and mailed on XX/XX/XXXX ( I remember a Tuesday ) and dropped in a United States Post Office center the same day.
The new issue : On XX/XX/XXXX I received a statement that says it was cut on XX/XX/XXXX with another late fee and interest. Clearly they are having problems because according to their timing and mailing it is taking them 8 days from the date they claim they cut the statement to receipt in New York, USPS states the mail from XXXX to NY time of a letter is about 4 to 5 days. The check I mailed on XX/XX/XXXX was cashed by Comenity on XX/XX/XXXX, Comenity states their due date was XX/XX/XXXX and they cut off their statements on XX/XX/XXXX as the closing date as printed on their statement. Its not possible for my payment to have been late again unless they are having internal process problems or weather is still affecting their operations ( one manager I spoke to told me " due to covid we are short handed, its possible that is causing a delay, we have had freezing weather that might have cuase the mail to be delayed ) None of these issues are the consumers problems and I want Comenity to issue me a full refund for late fees and interest then close my account due to the " Banks inability to manage their operations errors '' and correct my credit report.
Then I suggest CFPB launch an investigation into what appears to be a regular practice or pattern of creating a payment receipt delay in their structure that causes people to pay interest and fees that would otherwise not be due. I would like CFPB to ask Comenity to send a mailing to all its customers who paid fees and interest in the past year advising them that if they have experienced errors they feel need to be investigated they should act upon their rights to do so.
This bank - Comenity is a takeover and appears to be using the customer base they acquired in an unfair an unscrupulous way for gain. I want my report also elevated to the elected official board who oversees CFPB for their knowledge in case they have seen other abuses like this from Comenity.
04/20/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with balance transfer
TX
75089
Web
On XX/XX/XXXX, I initiated a Balance Transfer from Comenity to XXXX XXXX ( moving my balance from XXXX XXXX to Comenity ). The amount was {$10000.00}.
I contacted Comenity around the XX/XX/XXXX, asking them if there was a problem because the money hadnt been received by XXXX XXXX. They said I had to wait 30 days.
I called them again on the XX/XX/XXXX. I was told there was nothing I could do until the XX/XX/XXXXas that would be 30 days from the date of the actual check date. But, the transfer would automatically fall off if not cashed by that date.
I called again ( and I had sent secure messages in between, too ). On the XX/XX/XXXX, they said they would file the stop payment, and Id see a credit in 72 hours.
On the XX/XX/XXXX, still nothing. So, I contacted them again. At that point, I was informed that the check was an electronic check and it showed XXXX XXXX had received the money on XX/XX/XXXX. They asked me to submit the XXXX statements showing no credit and suggested I file a dispute with XXXX XXXX. I did so right away, but the only information Comenity could provide was the electronic check number. A dispute was reopened, and I stupidly thought that these 2 banks would talk to each other and figure out where the money went.
I submitted the dispute to XXXX XXXX the same day and they came back on XX/XX/XXXX saying they wanted a Routing Number and which account the money was sent TO.
To be clear, every time I called in, I was told I had to wait to receive Comenitys letter in the mail - I was not allowed to talk to Comenitys dispute Dept and neither were their frontline agents. I sent a request to Comenity by Secure Message - asking for the transaction information XXXX XXXX said they needed : Routing Number Check Number XXXX XXXX account the payment was made TO I received a reply that I would have to wait for their letter.
When XXXX XXXX closed the dispute for lack of information, I called Comenity again. Approximately XX/XX/XXXX. I finally got a supervising agent that understood : oh, I needed what they would need to verify the payment. She filed the request with XXXX Dispute department and I had to wait.
I sent a secure message to the Fraud Dept.
On XX/XX/XXXX, I called again because I received a document in the mail, but it had, again, only the electronic check number. No routing number, no information about what XXXX XXXX account it went to.
I sent a written dispute by certified mail. And re-opened my dispute with XXXX XXXX using the document I received.
To date, XXXX XXXX still treats this like I have a canceled check I can provide them and wants proof. And Comenity doesnt think theres a problem.
11/17/2021
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
MD
21042
Web
In XX/XX/2021 I got a credit card bill from XXXXComenity for {$160.00}.
I did not open a credit card with this company nor did I order any items. Someone apparently opened this account using my name.
I contacted Comenity by phone on XX/XX/2021 and that some had fraudulently open an account in my name and made purchases on this account. Comenity rep stated that they will open a fraud investigation. I requested that Comenity send me a letter stating that the account has been closed, that I am not responsible for the charges to this account, and that the credit bureaus will be contacted to remove this account from my credit bureau report.
On XX/XX/2021 I created an account on IdentityTheft.gov and submitted a fraud report.
On XX/XX/2021 I received a letter from Comenity/XXXX ( attachment 1 ) stating that " we have updated our records and have notified the credit reporting agencies of the changes that need to be made to your credit report. '' The XX/XX/2021 letter from Comenity does NOT state that the account has been closed. It does NOT state that I am not responsible for the charges to this account. Only references " disputed amount ''.
Because of this I created letter ( attachment 2 ) thru IdentityTheft.gov and sent it to Comenity on XX/XX/2021 requesting again to do the following : 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information of this account from my credit files.
In XXXX I received a letter dated XX/XX/2021 from Comenity ( attachment 3 ) stating that " we have concluded that you are not responsible for disputed balance amount on this credit card account. '' In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report, if applicable.
This Comenity letter from XX/XX/2021 states only that " you are not responsible for the disputed balance amount.. '' It does not state that any charges on the unauthorized account has been removed. There is no mention of the account being closed. So that there is the possibility that additional charges could be made to this account.
I contacted Comenity by phone and requested a letter stating that the account has been closed and that I am not responsible for any charges to this account. The representative refused stating that the letter dated XX/XX/2021 is sufficient and there is no action planned on their end.
This is unacceptable to as it does not preclude future charges to this account. There is nothing in writing that states that the account has been closed and that ALL charges have been removed from this account.
02/14/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
FL
33305
Web
Dear BJs, I sent the full payment amount overnight to payoff my account on XX/XX/XXXX. I tried to pay at a local BJs location but they wouldn't accept a payment. I followed the instructions on the statement and sent the payoff to the XXXX, TX location. The XXXX attempted to deliver XX/XX/XXXX but there was no access to the location. Delivery was completed on XX/XX/XXXX @ XXXX and was signed for by your employee XXXX XXXX XXXX I would like the payment to be deposited ASAP. The check that was issued by the title company, XXXX was in the amount of the balance at the time of issue ; however my credit card was on file with a few vendors and the statement balance was different. I wrote a personal check to payoff the account. Statement balance {$12000.00}, XXXX check {$11000.00}, personal check {$1100.00}. PLEASE DEPOSIT PAYMENT ASAP & remove any and ALL FEES. Sincerely, From : Comenity Bank Sent : Thursday, XX/XX/XXXX, XXXX AM ( ET ) To : You Subject : Re : Payments Message ID : XXXX I'm with Comenity Capital Bank, which handles your XXXX account.
This card is issued by Comenity Capital Bank pursuant to a license by XXXX XXXX XXXX, and XXXX is a registered trademark of XXXX XXXX XXXX. I'm here to help with your account needs.
Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies.
Please keep in mind that to protect your rights under the Fair Credit Billing Act, we need you to provide the dispute in writing.
See the back of your statement for more information. We appreciate your patience.
If you have any questions, please click the reply button.
Sincerely, XXXX XXXX XXXX Customer Care Team PROOF OF DELIVERY BELOW : XX/XX/XXXX, XXXX pm Delivered, Front Desk/Reception/Mail Room XXXX, TX XXXX XXXX item XXXX delivered to the front desk, reception area, or mail room at XXXX pm on XX/XX/XXXX in XXXX, TX XXXX XXXX XXXX XXXX. The item was signed for by XXXX XXXX.
________________________________________ XX/XX/XXXX, XXXX pm Delivery Attempted - No Access to Delivery Location XXXX, TX XXXX ________________________________________ XX/XX/XXXX, XXXX am Out for Delivery XXXX, TX XXXX ________________________________________ XX/XX/XXXX, XXXX am Arrived at XXXX XXXX XXXX, TX XXXX ________________________________________ XX/XX/XXXX, XXXX am Arrived at XXXX Regional Destination Facility XXXX TX DISTRIBUTION CENTER ________________________________________ XX/XX/XXXX, XXXX pm Arrived at XXXX Regional Origin Facility XXXX FL XXXX XXXX ________________________________________ XX/XX/XXXX, XXXX pm XXXX in possession of item XXXX XXXX, FL XXXX
06/14/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OR
97038
Web
Older American
On XX/XX/XXXX, I applied for a refinance of my home with a cashout to reduce debt. The refinance closed on XX/XX/XXXX and I received checks to payoff the debt on XX/XX/XXXX. Comenity-XXXX was one of those accounts. The payoff amount was {$350.00}. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX sent me check # XXXX in the amount of {$350.00} to send to Comenity-XXXX XXXX. I mailed this check on XX/XX/XXXX with a copy of my current statement. As of XX/XX/XXXX, that check had not cleared and the payment had not been posted to my account. I had been charged a {$29.00} late fee and {$8.00} in interest. I contacted my mortgage company and told them a check may have been lost. I contacted Comenity-XXXX and told them a stop payment had been issued and I was sending a new check. This was check # XXXX and it was issued on XX/XX/XXXX. Comenity-XXXX XXXX gave me an address to send the new check. That address was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX, XXXX. On XX/XX/XXXX I paid {$26.00} to 2-day Express Mail and get a receipt that the check had been received. I received the receipt with the signature of a representative from Comenity-XXXX XXXX signing for the check on XX/XX/XXXX. However, my payment was not posted to my account until XX/XX/XXXX. I started receiving phone calls from Comenity-XXXX XXXX around XX/XX/XXXX telling me I was in arrears on my account for non-payment of a debt. On XX/XX/XXXX, Comenity-XXXX XXXX processed check # XXXX. This check was returned to them due to a stop payment being issued as the check was presumed lost. Comenity-XXXX XXXX contacted me regarding the return of my payment. We had the conversation once again that the first check had a stop payment issued since the payment had not been recived by Comenity-XXXX and a second check had been issued. I had receipt of Comenity-XXXX receving the second check. I was told there was no documentation that anyone from Comenity-XXXX had spoken to me. I was told to go to the secure message center and file my complaint in writing which I did on XX/XX/XXXX. I received a letter in the mail, dated XX/XX/XXXX that they are researching my complaint and it may take up to 90 days. It also stated I would receive notification of their findings. To date, I have received no communication with the exception of a bill showing my {$350.00} payment, check # XXXX posted XX/XX/XXXX and that I still owe XXXX in late fees and interest. I called Comenity-XXXX today, XXXX XXXX to ask to have the fees reversed and was told Comenity-XXXX will not do that anymore. I asked to speak to a supervisor and was put on hold only to be put back into the automated answering system loop.
02/23/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MA
01915
Web
This company is fraudulent and needs a thorough investigation.
On XX/XX/2018 I made my first payment on my credit account with them. They claimed that the payment didn't go though because the bank account I used to pay with was closed. This was a flat out lie. I use that bank account to pay all of my bills with no issue. I even double checked my account numbers, but there was no error. XXXX started charging me returned payment fees, and refused to remove them unless I had my bank send them a notice stating that my bank account wasn't closed. I contacted my bank, and they sent a letter to XXXX on XX/XX/2018 stating that my account was open. After a few weeks passed, XXXX claims to have never received this letter and refused to remove the charges while charging my account with more and more late payment fees. They told me I would have to have another letter sent, so I did, but they claimed to have never received that one either.
Because they rejected the payment I made on a false accusation of my bank account being closed, XXXX froze my credit card account so I would not be able to make any purchases. While my account was frozen, I returned items that I had purchased with my credit card. I was unaware that my account was frozen because they never sent me a notice about it being frozen. I was only aware that they rejected a payment. The items that I returned were never credited to my bill. I had purchased a defective item that the store ( XXXX ) refunded to my card after an email conversation on XX/XX/2018. The refund amount should have been {$41.00}, and they told me it would take 3-5 days to process the refund. That refund never credited to my bill, because XXXX had froze my account. That same week I went to the store in person to return two other items I had purchased. I lost the receipt for the return, but the returned items were roughly $ XXXX {$80.00}. That return also was never credited to my bill. I have since contacted Comenity multiple times about this and they have done nothing to help. I have submitted proof of the email return and they are refusing to take the charge off of my bill. Instead they continue to charge me fraudulent late fees. I will not pay my bill until my bill is accurate. They are trying to charge me for purchases that I returned. Because I am refusing to pay them money that I do no owe them, they are charging me late fees that they're refusing to take off of my account. They are also still claiming that my bank isn't sending them letters, even though my bank has sent them two now. I want all of the fees they've charged to my account removed, and I want the refunds credited to my account.
04/17/2020
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
MD
21401
Web
Older American, Servicemember
I found out in XX/XX/XXXX while applying to refinance our home that my credit rating was much lower than expected. On XXXX XXXX I called XXXX and discovered a problem with a XXXX credit card issued through Comenity Bank for the purchase of about {$80.00} I made in the summer of XXXX in XXXX. I use the card very infrequently.
I acknowledge the purchase but I never received any monthly statements for payments at either our XXXX cottage or our main home in XXXX. Not one! We have been to our cottage twice in the fall and winter of XXXX. While mail has been delivered there was absolutely nothing from XXXX XXXXComenity Bank.
To resolve the issue I called Comenity Bank on XXXX XX/XX/XXXX. After a series of calls and delayed/overlapping correspondence from them they finally told me they had no information on my credit card and could not help me since the account had been sold to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$340.00} and an associated collection agency XXXX XXXX XXXX. XXXX.
Comenity Bank lied to me. After the first call I did not hear anything from Comenity. I called twice more. On the second call they told me the cost of the original balance was {$80.00} and I would be sent a letter verifying that was the amount I owed. On the third call they listened to a recording of the previous call to verify what I was told. In written correspondence they said they would research my claim and would take days to resolve it. They never did this.
It is clear that Comenity and XXXX did not have our address in XXXX on record. It was not until I opened the dialogue with Comenity that XXXX sent me a letter demanding a deal of a one time payment of {$300.00} for settlement in full against the {$340.00}. Yet they had our XXXX cottage address.
In discussions with Comenity they have failed to provide the alleged missing account statements nor have they provided any information on when and where the account statements were mailed. They have washed their hands of the issue. My credit rating has been levelly damaged. There is no reason I would not have paid this bill on receipt of the statement.
XXXX claims that mail delivery problems are no excuse. I maintain they never sent any statements. XXXX also said that I should have been aware of the outstanding bill much like a mortgage payment. I maintain that I receive monthly statements from all my accounts and that any normal consumer would reasonably expect such service from Comenity Bank and XXXX XXXX.
I paid the {$300.00} because I feel trapped.
Comenity Bank is at XXXX XXXX XXXX XXXX, Ohio XXXX.
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, Ill. XXXX.
11/08/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
KS
67216
Web
In XX/XX/XXXX, we purchased two vehicles from a XXXX dealership in XXXX, KS. The dealership qualified us for two XXXX credit cards for XXXX and I, with credit limits of {$2000.00} and {$1500.00} respectively. The dealership maxed out both cards as down payments. The dealership did not disclose the specificity of the credit cards, thus we understood the cards to function as revolving credit cards. The dealership and Comenity failed to provide full disclosure of these being promotional credit cards, with specific dates for full payment of balance, not monthly payments, as we understood. Payments were made on the due dates per the contract. Each payment made reflected an increase in credit available.
For example, using my card transactions, due on the XX/XX/XXXX of every month. From XX/XX/XXXX to XX/XX/XXXX, available credit had accrued to {$310.00}. However, the XX/XX/XXXX balance was reduced to {$160.00} on XX/XX/XXXX there was a PROMO FINANCE CHARGE ADJ of {$210.00}.
The XX/XX/XXXX statement reflects another avail credit accrual. However, payments made on the XX/XX/XXXX were not posted to the account until a day of two after the due date, causing late fees of {$38.00} to be charged to the account. On both credit cards, payments made on time on the due dates were processed at later dates and accounts were charged with finance charges, late fees plus interest charges.
The XX/XX/XXXX, the credit limit was {$1500.00}. Avail credit was {$220.00}.
In XX/XX/XXXX, credit limit was reduced to {$1200.00}, and available credit was {$10.00}. Neither the statement nor transactions provide an explanation for credit limit reduction and the {$210.00} difference in avail credit.
As of statement closing date XX/XX/XXXX, avail credit balance was {$72.00}. However, as of statement closing date of XX/XX/XXXX, the avail credit balance had dropped to {$5.00}. Neither the statement nor transactions provide an explanation for credit limit reduction and the {$66.00} difference in avail credit.
As of statement closing date XX/XX/XXXX, avail credit balance was {$97.00}. However, the following month, at statement closing date XX/XX/XXXX, the credit limit was further reduced to {$1200.00}, and avail credit was {$0.00}.
Several issues in question include but are not limited to : 1. Payments made on due dates were processed at later dates and accounts charged finance charges, late fees plus interest charges.
2. Comenity failed to provide full disclosure in its credit approval process, regarding promotional credit cards.
3. Comenity failed to provide full disclosure on hidden fees and reductions of credit limits and available credit.
02/28/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
TX
76262
Web
On XX/XX/2018, I made a large purchase at XXXX XXXX in XXXX, Texas for over {$6000.00} with a promise of interest-free financing for 24 months. After making a down payment, I navigated to the website for my XXXX card to set up recurring payments at the calculated amount to pay off the balance before the 24 months expired. These payments were automatically withdrawn from my account on time each month for two years. At some point during this time, I was encouraged by Comenity to receive paperless statements, and no longer received them in the mail. Instead, each month I received an e-mail with the amount due and the due date. The automatic payments continued and I was excited to have reached the end of the two years of payments only to discover that I had been charged more than {$1400.00} in deferred interest because the credit card auto-payment date was 8 calendar days after the terms ended. Had I not been persuaded by Comenity at numerous occasions ( online, over the phone, and in statements ) to elect for paperless billing, I would have been informed of the pending end of my terms and adjusted my final payment. Instead, at every opportunity, Comenity urged me to stop receiving paper statements. Once I elected from electronic statements, I received an e-mail each month with the amount due and the due date for my upcoming auto payment. In none of these e-mails was there a warning of the upcoming ending to the terms of my interest period. After several calls to Customer Service, I was told that it was my responsibility to read the fine print in the statement ( which they urged me not to receive in the mailbox ). This is unethical behavior and a failure for Comenity to honor their duty of good faith in the execution of the terms of this agreement. They purposely tried to hide this date form me creating obstacles at every turn ( messages when calling their customer service, pop-ups on on their website, etc. urging me to use paperless billing ). Once enrolled in paperless billing, on several occasions I visited the Comenity website to find that the system was down, unable to display statements, and only accepting payments -- preventing me from being able to view my full statement. Comenity is engaging in unethical practices by purposely hiding this information from consumers and failing to take responsibility and blaming the customer on their oversight of the issue. Alliance Data prides itself as a loyalty company, but this is no way to build loyalty. Comenity is not a court nor the federal government, and therefore does not have a right to impose a penalty, and that is exactly what this charge of over {$1400.00} is.
01/03/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
FL
33328
Web
On the day I was flying back from XXXX, XXXX to XXXX XXXX, FL ( XX/XX/2018 ) I received a text from XXXX XXXX XXXX confirming an order to XXXX which was made by someone living in XXXX, PA. Prior to receiving this order I was not even aware that XXXX existed. Further I have never lived or visited XXXX, PA nor have I ever known anyone who lives there. I immediately sent a reply email advising that the order was fraudulent. On XX/XX/2018 I followed up the issue and spoke with a XXXX agent ( the XXXX XXXX card used for the XXXX fraudulent order ) to confirm that the order was fraudulent and was not to be fulfilled. The agent advised that the order had, in fact, been flagged as possibly fraudulent, and advised me that they had done something to cancel the order. Nevertheless, on the same day, and despite having been advised that the order was fraudulent, XXXX/XXXX shipped the order to the criminals and sent me an email dated XX/XX/2018 confirming same at XXXX XXXX.
It should also be noted that XXXX advised me on XX/XX/2018 that The fraudulent charges will be removed from the account. This was confirmed in an email from XXXX to me dated XX/XX/2018 at XXXX XXXX which was included in the copy of my XX/XX/2018 correspondence to XXXX which was sent to the Federal Trade Commission and is attached to this Complaint.
It should be noted that the same criminal used my XXXX card to place an order with XXXX on the same day that the order was placed with XXXX. I took the same action with XXXX and they, in fact, cancelled the order and did not send any merchandise to the criminal.
It is beyond me why XXXX, after being advised and acknowledging that the order was fraudulent, knowingly sent their goods to a criminal. It is also beyond me why XXXX, after advising me that the fraudulent charges would be removed from my account, failed to do so and, to add insult to injury, charged a late fee and interest to my account and has probably reported the late payment to the credit reporting companies thus damaging my credit standing.
XXXX failure to remove the fraudulent charges from my account, and it further charging interest and a late fee, constitutes a willful violation of the Fair Credit Reporting Act, in addition to reversing all charges on the account demand is made for statutory damages in the amount of {$1000.00}. In addition it has taken over 4 hours of my time addressing this issue which means I have lost 4 hours that would otherwise have been billable. As a XXXX holding a XXXX and a XXXX of XXXX in XXXX degree my billing rate is {$200.00} per hour. Thus I have sustained further actual damages of {$800.00} is demanded.
03/18/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MD
21740
Web
On XX/XX/XXXX I enrolled in Account Assure, an account protection program for my Express Next Card issued through Comenity Bank. The fee for Account Assure is {$1.00} per {$100.00} of my monthly statement balance. Per the Account Assure Terms and Conditions the program is an optional addendum to the Credit Card Agreement for my Express Card. Eligibility Requirements state that subject to the Terms and Conditions I as the primary cardholder may be eligible for an involuntary unemployment benefit. Accordingly to be eligible I must have experienced an involuntary unemployment for at least 30 consecutive days from the Date of Loss, including the Date of Loss. Furthermore, in the event of involuntary loss of Permanent Full-Time Employment I must have been engaged in Permanent Full-Time Employment on the Date of Loss. In addition, my loss of XXXX XXXX must be due to Involuntary Termination. As such, my employer must have been required to make contributions for my employment to the state unemployment insurance fund. On XX/XX/XXXX I became involuntary unemployed from my employer due to the economic impact of COVID19. Based on this eligibility I filed a benefit request for involuntary unemployment with Account Assure on XX/XX/XXXX. After filing this request I received a benefit form to complete. Upon review of the form it included an Employer Verification section to be completed by my former employer. On XX/XX/XXXX I spoke with two representatives through Account Assure and advised that my employer was unable to complete the section as the company used an external payroll software provider for employee verification ( i.e. date of hire, payroll stubs, etc. ). However, I was provided a letter on company letterhead stating I had been involuntary terminated due to the economic impact of COVID19. In addition, I had verification of my unemployment benefit statement. According to the two representatives my benefit would be denied because the letter provided by my employer did not meet the requirements as it failed to state my date of hire and number of hours worked. However, in the Required Documentation section of the Terms and Conditions it stated " in the event the cause of unemployment provided by the state unemployment office and the employer contradict each other, the state unemployment office information shall overrule the employer information. '' It appears the " cause of unemployment '' is sufficient. As a result of the verbal information I was provided on XX/XX/XXXX I made the decision to close my Express account with Comenity as the program is misleading and makes it difficult for customers to request a benefit.
03/04/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
IL
60423
Web
Ive written to inform Comenity/XXXX XXXX XXXX and requested a change of status on my credit report for a 30 day late payment for {$70.00} with all credit agencies that was reported to, it was false information due to a mistake made on their part in their system that was explained to me on XX/XX/2022 when I called and spoke with the representative about this matter he explained to me that it showed me being late but that it should not be because I was entered into a program that closed my account in XXXX, 2022 and put me on new scheduled payment arrangements with no interest and a new payment of {$34.00} with the first payment starting in XXXX on the XXXX and my first payment was made on time and that at that moment I was actually current with no payment due until XX/XX/XXXX, I was not made aware of any unpaid balances or past due payments due at the time of closing out with the new payment arrangement, I have always for years made good on my account to avoid any negative reports on my credit, it was explained to me that it was a mistake on their part due to the changes but that it was too late to stop the negative report that had been made but that he would make notations and that I should dispute with the credit agencies and that by my next payment due in XXXX their system would have updated my account and corrected my status from having a past due amount and late over 30 days, Ive been unsuccessful in getting the dispute corrected on my own directly with the credit agencies so Ive written this request directly to ComenityXXXX XXXX XXXX to correct these negative reports on behalf of the information that was provided to me, Ive since then called comenity multiple times and was told that my account was current! I even made payment early for XX/XX/XXXX scheduled payment of {$34.00} and now theyve just recently reported a second 30 day late for the month of XXXX which has been paid and satisfied before the due date of XX/XX/XXXX, so now I have two 30 day late payments for XXXX and XXXX that are incorrect and no one seems to be taking the initiative to correct this matter that has gotten worse from 30 days past due amount of {$70.00} and {$100.00} in XXXX to now another reporting to the credit bureau that Im 30 days late again for XXXX! Before these incorrect negative reports My credit score was over 700, these mistakes made on behalf of ComenityXXXX XXXX XXXX has taken my credit score down to the 500s instead of them correcting the XXXX report somehow they have submitted another negative report for XXXX which is all false reporting That has impacted my status with all credit agencies as negative tremendously
12/28/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
TX
77095
Web
Comenity Bank has used unfair and confusing practices with a credit card. I applied for an account with Wayfair online around the XX/XX/2020. The same day I made a purchase online, but waited to receive the credit card in the mail. It took a while ( I received a bill in late XXXX or early XXXX ) to receive any correspondence via email or in the mail. I received my product on XX/XX/XXXX. About a week later I attempted to go online to make a payment. It has been very difficult to communicate with their office about payment. The Comenity Bank website for the Wayfair card was not working properly. When I was finally able to get to the login for payment page, it still did not work properly. I was not sure which number to use to call them. It took a few days to engage online, but when I was able to get to a page to log in, it required the account number, which I did not have, to login. Then I received a letter that stated the account would close in 10 days. Wayfair switched from Comenity Bank to a different bank for credit card services and as a result reported to credit bureaus that the account was closed ( a negative impact on my credit ). I waited for the bill in the mail. But that the bill I received did not have a full account number listed. I called the number on the statement and was able to make a payment but I noticed that they charged me a late fee. I expressed how difficult it was to figure out how to make a payment online. Eventually, I asked about having the fee waived due to the difficulties of going online and paying as well as no account number appearing on the bill and they told me since the account was closed there was no way to reverse the fee. I asked how are they able to charge a fee but not reverse it? They had no explanation nor did the agent seem to care. He went on to explain to me if I paid it on time there would be no fee. I reminded him about WHY payment on time was an issue and that was the reason for my request. Eventually I asked to speak with a manager. When the manager got on the line, I asked why they were charging a fee on an account they closed. She asked which account, I told her Wayfair and she said, we do not service Wayfair accounts, XXXX does. While I was explaining to her I was a new customer when the switch occurred the line dropped. It was hard to tell if it was on purpose or accident because it dropped right when she finished her sentence and I began to speak. I called back and was on hold for 3 min and the call dropped again.
This bank should not be allowed to offer services to the public if they are not able to properly handle accounts in a situation like this.
01/31/2020
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Charged fees or interest you didn't expect
PA
17522
Web
Older American
In late XX/XX/XXXX, I made an additional purchase of XXXX time share ownership. To facilitate this transaction my consumer credit was adequate enough to secure a Vacation Club Credit Account with Comenity Capital Bank. This was a promotional 6 month plan whereby all borrowed funds had to be repaid in full by a certain termination date to avoid paying accrued interest. That date was promoted by the bank as XX/XX/XXXX.
The loan in total was a little over {$15000.00}. By mid XX/XX/XXXX I had repaid all but {$5000.00}, in five monthly payments. With the holidays, my secretary, who attends to all my financial matters, asked off for XXXX XXXX. When she returned to work Friday, XX/XX/XXXX, she wrote out a check to Comenity- Vacation Club Credit for the remaining balance in full, and mailed it that evening from a local post office. That post office assured me that the envelope would have been postmarked XX/XX/XXXX, or XX/XX/XXXX at the latest. Apparently, the envelope arrived at Comenity Capital Bank 's processing center after XX/XX/XXXX, and not processed until XX/XX/XXXX. We also have a national holiday, XXXX XXXX XXXX XXXX, in the mix. So because the check was processed XX/XX/XXXX the bank says I now owe all accrued interest of {$1200.00} plus a {$27.00} late fee equaling a total of {$1200.00}.
I've read the bank 's vacation club credit account agreement forward and backwards, upside down and inside out. Nowhere can I find what definition constitutes a payment due date, just some arbitrary wording that, in the credit card industry, it is apparently understood that the processing of funds by the bank itself equates to the payment date.
If I file a Federal tax return, with a check in the amount I owe the federal government, the date of the return is determined by the postmark on the envelope, not by the Internal Revenue Service processing date. If I mail the return days or weeks after XX/XX/XXXX, and don't ask for an extension, I can expect to pay penalties plus interest.
However, if a check is written prior to the termination date and the envelope is postmarked prior to the termination date, I don't expect to pay accrued interest plus a late penalty to a bank. XXXX, the Comenity Capital Bank company representative did not agree, and therefore did not rescind the charges. If my local bank treated me that way I would withdraw all funds and find another local bank. But large anonymous institutions can get away with it, because they know the individual borrower has no leverage. I'm hoping you the Consumer Financial Protection Bureau, a branch of the U. S. federal government, can level the playing field.
08/21/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
CA
91304
Web
Older American, Servicemember
XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU COPY : XXXX XXXX XXXX FROM : XXXX XXXX XXXX RE : COMPLAINT AGAINST XXXX XXXX, ACCT : XXXX.
XXXX Account Ending XXXX This is a second complaint against XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH. XXXX, who CONTINUES to report the Charge Off on my credit report incorrectly. ( See Their Letter dated XX/XX/XXXX ) My credit card account with XXXX was unfortunately first reported as a charge off XX/XX/XXXX due to the death of my husband. This is correct. My final payment was made to XXXX XXXX XXXX, XX/XX/XXXX and the account was closed. However, in several letters written to XXXX XXXX XXXX, I asked if they would simply report that the account was paid in full rather than paid for less than the full balance, for I paid them {$4000.00}. in cash and they also reported the total amount to my income tax. This I thought should have resulted in the wording of Charge Off, PAID IN FULL. Instead of making this correction or explaining their rationale, XXXX XXXX responded punitively and changed the First Reporting date, the Charge Off date and the Date of Status as indicated below and in attachments : # 1 Date of Credit Report XX/XX/XXXX First Report XX/XX/XXXX Charge Off XX/XX/XXXX Date of Status XX/XX/XXXX # 2 Date of Credit Report XX/XX/XXXX Same Same Same After Letters of Dispute, the First Report Date, Charge Off/Closed Date & Date of Status were CHANGED to : # 3 Date of Credit Report XX/XX/XXXX First Report XX/XX/XXXX Charge Off XX/XX/XXXX & XX/XX/XXXX Date of Status XX/XX/XXXX # 4 Date of Credit Report XX/XX/XXXX Same Same Same # 5 Date of Credit Report XX/XX/XXXX Same Charge Off XX/XX/XXXX Same It is clear that XXXX XXXX XXXX responded punitively after my request for them to change their wording to Charge Off, Paid in Full. They changed the First Report Date from XX/XX/XXXX to XX/XX/XXXX! The First Report Date is not a variable in reporting facts. Likewise, how can one change the Charge Off Date, XX/XX/XXXX to two different dates of XX/XX/XXXX and XX/XX/XXXX as well as the Date of Status to XX/XX/XXXX, and then after a second complaint change to one Charge Off date of XX/XX/XXXX. The Charge Off was paid in full and closed XX/XX/XXXX. This should be the charge off date forever as well as the Date of Status forever. Any other change of dates is fraudulent facts.
There is quite obviously something fraudulent in XXXX XXXX XXXX facts and figures. I am registering this complaint for their failure to correct after three requests & disputes. See their letters XX/XX/XXXX & XX/XX/XXXX, restating their position to support their fraudulent facts.
4 Attachments
08/07/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NJ
07103
Web
Servicemember
THIS IS MY SECOND ATTEMPT It started back in XXXX I made a payment. It was never posted to my account so they charge me a late fee. I contacted my bank they couldn't find where they attempted to retrieve the payment. I was told my payment was return for insufficient funds. I disputed this and in the end I was back in ground zero. So I decided just pay them off and cut up the card. I maid two separate payment. The first payment was processed with no problems. The second payment and full amount of {$50.00}, due in XXXX. To be more precise XX/XX/2020. I made the payment on XX/XX/XXXX and it was process on XX/XX/XXXX. It was posted, XXXX balance. I bite the bullet happy riddance. In XXXX I got an email stating a balance of {$85.00} was due by XXXX XXXX. Immediately I said this Ludacris, So I immediately contacted Comenity. I was told my payment was rejected again for insufficient funds. I contacted XXXX XXXX XXXX. I was told the was processes on the XX/XX/XXXX.The ID was XXXX paid to Comenity. I call back and I spoke to several customer service rep. Most of them gave the run around and no resolution. So I went into one the Branch ( XXXX XXXX XXXX ) and spoke to The Manger. after and hour and and half he couldn't were the check was return. And more so at the time of transaction I more than enough to cover this transaction .I was told to try resolving the matter and still no where. So I went back to the manager he gave me too option 's The first one was ask them for a IP number this would locate this missing reversal payment. When I call them ask about this IP number they have no record of it, and then the call goes dead. I have made several calls them and still no progress. More important they want me to repay and then they do an investigation. After the investigation they would refund my money if it was a bank error. At this point I am not making anymore payment. XXXX XXXX XXXX there is no error on there part. So infract if they reverse the payment they sent my payment to someone else. Id not it to reach this far, I tried to resolve this at the lowest level. And all I get is running in circles. I have the proof of my payment. If The XXXX XXXX XXXX got it reversed. I would been notified. I will enclosed my proof. My biggest issue is there lack of investigation, what they have corresponded with me does not support their action in this case. I requested for them to contact XXXX XXXX XXXX they have not Also XXXX XXXX XXXX has asked for them to provide a tracer number for their return they CANT PROVIDE. So how a Bank of there size till this day cant provide a tracer number because it does not exist.
02/08/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
MO
63901
Web
Servicemember
I opened a Store Credit Card Account with XXXX XXXX back in XX/XX/XXXX. I paid down a significant amount on the balance. I owed only XXXX dollars. When I traded up to a new wedding ring set this past year, a different account was opened under my name but with my spouse as joint. We were quoted a new minimum monthly payment of XXXX dollars with a new balance under XXXX but the very first billing statement from XXXX XXXX stated XXXX dollars as the new balance with the first minimum payment of XXXX dollars! I immediately disputed this amount along with the balance. A 60 day investigation was opened and XXXX XXXX informed me I would not be charged additional interest fees during this time. When the investigation was complete, I was still charged interest and the balance increased well over XXXX dollars. XXXX wanted me to pay XXXX as the very first payment on the account. I tried to resolve this with XXXX XXXX and leaned I was being charged double interest and double monthly payments on two separate balances! My spouse and I were not informed of these terms In-Store by the Assistant and Store Managers. We also did not agree to these terms. I was never given a copy of my new account contract, only my Sales Receipt that showed XXXX dollars as a minimum monthly payment. I tried to return my new wedding ring set but XXXX XXXX Corporate refused to take it back and XXXX XXXX still wanted XXXX dollars I did not owe them! XXXX XXXX and XXXX continued to call my phone from restricted numbers, so I asked for a Cease and Desist. I filed a Consumer Complaint with my states Attorney Generals Office and the only contract XXXX XXXX could produce was from the previous account opened in XXXX. XXXX XXXX and XXXX XXXX could not legally produce a contract with my legal signature for the new joint account. I disputed the account numerous times with all three credit bureaus with XXXX making the process very difficult. The account was finally closed in XX/XX/XXXX. However, XXXX and XXXX XXXX continue to add delinquent payments to my credit reports! They seek to destroy my credit and Ive never been late on any of my other accounts. They now harass me with billing statements on a Closed account after Ive asked for a Cease and Desist. This activity should be deemed illegal. XXXX XXXX XXXX owns XXXX XXXX and they have already faced possible Federal Action for their illegal crediting and finance practices. How do I get them to stop reporting late payments on a closed account with terms I never agreed to? How can they keep doing this when they cant produce a contract with my signature stating I agreed to these terms?
11/13/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TN
37138
Web
XXXX XXXX offers a credit card to help pay for items in the store with 0 % interest for the first 12 months. The credit line is offered through XXXX. After 12 months, instead of applying interest from Day 366 on, they apply the interest accrued from Day 1 to your next bill. However unclear this was to my wife and I when we got the card, the real issue is in the handling credit institution 's communication of our statements and bills.
The only place that you can find the expiration date for the promotion is in the billing statements, which is not in the same location on the site as the billing / payments portion of the site. Meaning, if you opt for paperless billing ( which we have ) and you don't know where to find this information, you will not receive a notification of when this amount will apply to your bill prior to the bill that shows up with a hefty sum of interest that's been accruing in the background for the previous 12 months. For XXXX XXXX to offer this 0 % interest for 12 months deal, but not clearly define the parameters, is shady. One might expect me to keep my eye on the calendar, or mark the final due date. But I work in communications, and I know that it's the communicating party 's responsibility to offer this information explicitly if they are the ones offering the deal.
My situation : I aimed to pay this bill off over the course of a 12 month period, not knowing exactly when that 12 months would expire, since I thought I would be notified at some point that the promotion was ending soon. On my latest bill, I should have owed {$220.00}, but the bill instead was for {$440.00} which includes the interest accrued from the last year. I called the company to ask them to remove the interest from the bill, and explained that I wasn't notified of the promotion ending soon, but they didn't care, and weren't helpful. The promotion ended on XX/XX/2018 and I paid the {$220.00} today, XX/XX/2018. With little more than a month passed, surely I'm liable to receive some grace?
One should expect, in this 2018 world of AI and automation technology, that if a company is offering paperless billing at some point in the payment process or notification process associated with that billing the customer should be offered some notification of when their promotion is ending. Then again, I suppose I should expect no less from a company that's only interested in taking my money, and any interest they can apply to it. That doesn't make it right, and it doesn't mean that companies like this shouldn't be held accountable for their disinterest in providing transparency for their customers.
08/15/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
FL
32082
Web
Older American
I opened an XXXX XXXX XXXX account through Comenity Capital in XXXX 2016. Their practices seem to be highly unethical. For example, if the account is used for a restaurant or hotel or other service that submits for pre-authorization, Comenity puts through the final charge and also holds the original pre-authorization amount for 10 days. Effectively this is a duplicate charge to the account that renders what should be available funds as unavailable. I addition, Comenity does not accurately report account balances to the credit bureaus. I have both a XXXX & XXXX XXXX credit card that are handled by Comenity. I recently paid down my outstanding balances to improve my credit score as I intended to purchase a car that required a loan. In stead of my credit score improving, it actually decreased as Comenity failed to report the payments made to reduce my balance significantly and has n't done so to date. I also paid off the entire balance for the XXXX account only to be charged an additional {$15.00} interest charge after the fact. How is this legal? Following is their response to my quesry about the charge- Thank you for your recent inquiry to our Customer Care Department .
Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license by XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX.
I apologize for any confusion this has caused. On your previous statement, you were informed of an update to your Credit Card Agreement for your account. This notification was to inform you that beginning on your next statement, purchases made outside a Grace Period would be assessed trailing interest resulting in a finance charge after the balance is paid in full. A Grace Period is a period in time in which credit extended can be repaid without a finance charge being assessed.
Interest is charged from the transaction date until the balance is paid in full. Since interest is calculating until the date the payment is received, you will receive a statement for the interest charged in the previous billing cycle. If you pay the trailing interest finance charge statement by the due date, you will not be assessed finance charges during that bill cycle the following month as long as no additional purchases are made.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, I. XXXX Internet Customer Care Team I appreciate your help, Sincerely XXXX XXXX XXXX
07/03/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
TX
76163
Web
Older American
On XX/XX/XXXX when Comenity Bank received notification ( from XXXX ) that I had finally been able to afford to pay off two Comenity Bank accounts ( sold to XXXX XXXX ), Comenity took advantage of the notification from XXXX that requested deletion, and reported back a changed status of " charge off '' eventhough they had just been sent proof of PAID accounts for both accounts, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. When I called Comenity, representative stated that " they had to report something '' i.e., instead of honoring/accepting the proof of payment for both Comenity accounts sold to XXXX XXXX, Comenity chose in less than 48 hours of receiving XXXX delete request and proof both accounts were paid, Comenity knowingly and intentionally seized the opportunity to incorrectly report back to XXXX " charge off '' status to XXXX This was deliberate ; when I immediately called Comenity, the gentleman who answered told me they/Comenity had not reported to credit reporting agencies since XXXX, on either account. It was only when XXXX contacted Comenity and notified them that I had paid both debts , XXXX and XXXX XXXX, it was then and only then that the vultures at Comenity reported back to XXXX, an incorrect status of charge off. I think I have this Comenity " hustle '' figured out. Unbenounst to a consumer who is ignorant to predatory companies like Comenity tries to clean up their credit and Comenity learns of money changed hands, like a shark who smells blood, Comenity then uses that paid awareness to hijack accounts into the incorrect status of charge off, creating opportunity for selling more debt, etc. This was completely deliberate and a reaction to paid status notification, because when I called Comenity about the response and change of status to charge off, Comenity phone agent admitted that had not even reported on either of the 2 accounts since XXXX so clearly, it was notification of PAID status to XXXX XXXX that " set off '' this status change ; therefore, there is clearly a reaction/ agenda for Comenity Bank to act upon paid status. Comenity engages in predatory practices and that is why there are over XXXX complaints with XXXX. I also recognize that because XXXX has proof that the debt is paid ( to XXXX XXXX ) and they subsequently removed XXXX XXXX from my credit, they too could of simply removed-deleted the original Comenity Bank negative strikes, XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, but they didn't. This is a consumer scam to collaborate and facilitate money making in this credit industry. I fully expect one other Comenity account to now be sold to XXXX XXXX
05/19/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
MA
02719
Web
I purchased an engagement ring and wedding bands from XXXX XXXX on XX/XX/XXXX. This purchase was made over the phone by and between me and a sales representative at XXXX XXXX at their online store. My plan was to pay for the total purchase of {$10000.00} with my own funds by using my debit card, however the sales representative asked me if I was interested in applying for a XXXX XXXX credit card with either option at ( i ) zero interest rate for a period of one year or ( ii ) a lower rate at 9.99 % APR for a period of 60 months. I was hesitant to apply for this credit, but the idea of zero percent interest for a year was appealing especially as we had a wedding coming up and related expenses. I did have sufficient funds to pay for the entire purchase, but I opted to apply for the credit card and agreed to pay it within one year at zero percent interest. On XX/XX/XXXX I received the XXXX XXXX- XXXX credit card statement and noticed that there were added interest charges in the amount of {$1800.00} on my balance of {$1500.00} and I immediately called XXXX XXXX to speak with a supervisor to question the interest charges. I thought this was a mistake and couldn't understand how {$1800.00} was computed on such a low balance. I was told that the charges represented a years worth of accrued interest. I explained that I expect to see interest charges on the balance of {$1500.00} and didnt even know at what the interest rate these charges would be. I immediately paid the {$1500.00} balance and ask the Bank to either waive the {$1800.00} interest since I was only month out of the promotional period or reduced to interest to be a charge on only the balance of {$1500.00} and not the original charge of {$10000.00}.
I dispute the {$1800.00} interest at 29.99 %. I believe that the representation made over the phone the day I purchased the rings was misleading. The Bank 's practices of offering a promotion at zero percent and to than charge accrued interest for an entire year while all along the bank has {$8600.00} of my money seems illegal and an unfair practice. How can I be charged interest on money that I gave to the financial institution and its in its possession for the past year?
All I have are copies of monthly credit card statements and though the last statement states that Minimum payment amount by the Payment Due date shown on this statement, to avoid accrued interest charges. The " accrued interest charges '' isn't clear that I would be charged accrued interest on the remaining balance ( {$1500.00} ) or on the original balance of {$10000.00} at 29.99 percent.
Thank you.
04/12/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CT
06851
Web
I have been a member of XXXX XXXX XXXX for many years. Last year they offered me a credit card and I agreed. Months later I came across a bill from XXXX XXXX. I didn't even know who XXXX XXXX was. But here was a Bill for almost {$100.00}. I called them to find out why they were charging me.
Their rep explained to me that a charge of {$40.00} was for my yearly membership at XXXX XXXX. It was taken out automatically when due. I certainly was not aware of this. They have always told me at checkout that my yearly membership was due and I would include the fee with my purchase.
I now understood what happened but was very angry. I had a very good credit rating and received many offers for additional credit cards. So, certainly I could have received their bill and not knowing what it was, just another offer for credit, and just discarded it like all the rest.
There was No XXXX XXXX markings. There was nothing to distinguish this as a bill. I was not expecting a bill. I explained all this to the bank rep. I was speaking to and told her that I was going to send her the {$40.00}, but she should immediately close this account.
I immediately did pay the {$40.00} which they charged my card but they kept sending me additional bills. I went to XXXX XXXX and explained all this to the service person there and once again instructed her to close this credit card account. She called XXXX while I waited with instructions to close this account. They continue to send me bills.
A short while ago I received an email from XXXX. I replied to the email that as I stated previously, my wishes were to close that account immediately.
Now, most recently, my regular bank, XXXX XXXX XXXX which I have been with for as long as they have been in XXXX, CT and the people at that location before them. They have now just informed me that one of my cards from them, ( I have three ) they were reducing the Limit from {$1000.00} to {$500.00}.
Now I notice my other cards have increased rates. Which they explained that my credit rating has changed and they, in essence, had to adjust because of my activity with " Their Affiliate '' Bank. I am XXXX years old and now I am awake nights thinking about this abuse.
Having greedy banks prey on Senior Citizens is not my favorite subject.
If not corrected very soon, I shall have no choice other than to bring a law suit. Not only against XXXX, but also against XXXX XXXX XXXX for establishing a Monopoly where this is illegal. These people have now abused the law and violated my Civil Rights.
Thank You for Listening. Respectfully Yours, XXXX XXXX XXXX.
08/17/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
CA
93311
Web
last year I had a XXXX XXXXXXXX XXXX XXXX credit card that I was paying on time. I had it for over 2 years and I never once had a 30 day late payment. Then all of a sudden at the XX/XX/2017, I get a call from XXXX XXXX asking why I hadn't made my minimum payment. I was confused and shocked but nevertheless I asked what the minimum payment was and what the balance was. They told me that the balance was over {$500.00}. Again I was confused because as of my records, I only owed about {$200.00}. I asked them to itemize the charges for me and that is when the problem occurred.
XXXX XXXXXXXX XXXX XXXXt started itemizing what the charges were. They then informed me that some of the charges were for items purchased online. Just to be clear, I have NEVER purchased anything online. I don't believe in it and I like to go to the store to make my purchases. XXXX XXXX XXXX XXXX XXXX XXXX claimed they were going to investigate it but they said that the items purchased supposedly matched the sizes of clothes I buy in store. They never actually proved this to me but just said it over the phone. I told them this was crazy and that I did not purchase anything online and that I was disputing those charges. XXXX XXXX XXXX XXXX said that these were legitimately my charges and that I had to pay the {$500.00} or else this account would go to collections. I then asked to speak to a supervisor but conveniently the supervisor was busy and would have to call me back. He never did.
Over the last few months I received a few calls from XXXX XXXX asking me to pay this debt. I informed them that I would gladly pay them the {$200.00} I owe them but that I am not going to pay for something I didn't charge. I also asked why I still haven't spoken with a supervisor even though I asked for one. I have even disputed this with all the credit bureaus and XXXX XXXX XXXX XXXX XXXX has claimed this debt was legitimate. Bottom line, they don't care. They are sticking me with charges that aren't mine because they supposedly have proof I charged the items even though they refuse to provide me with this proof when I ask for it. They still do not provide a supervisor for me to discuss this further and now they charged the account off and are damaging my credit report. This is coercion, extortion, malice, harassment, fraud, unfair lending practices, unclean hands, whatever you want to call it. It is completely unfair and they are preventing me from obtaining credit with new creditors. Please assist me in getting XXXX XXXX XXXX XXXX XXXX to stop reporting this as it is fraudulent reporting and collecting.
03/31/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MN
55046
Web
I mailed my check # XXXX for my XXXX credit card statement to XXXX 's XXXX XXXX and paid it in full in the amount of {$150.00} on XX/XX/XXXX. My check was ELECTRONICALLY cashed by XXXX XXXX XXXX on XX/XX/2020, as seen on my bank statement. However, XXXX 's XXXX XXXX NEVER credited my account for the {$150.00} I paid. I contacted XXXX 's XXXX XXXX twice in XXXX to try to correct this problem via phone. I faxed them in early XXXX and mailed them on XX/XX/XXXX, the info needed to correct the problem. I included a DUPLICATE check ( my checks are 2 ply ... .my original check did not come back to my bank due to XXXX XXXX submitting my check electronically for payment ) along with my bank statement showing XXXX XXXX was paid {$150.00} and a copy of my credit card invoice. In the meantime, XXXX 's XXXX XXXX sold to Cemenity Bank. I received a XXXX Statement from Cemenity Bank with a balance of {$220.00} ( this is from XXXX XXXX XXXX {$150.00} plus accruing late fees ) I contacted Cemenity Bank, twice by phone in XXXX, and mailed a letter to them on XX/XX/XXXX, hoping they could help resolve this problem. I received two letters back from Cemenity Bank and one letter back by XXXX XXXX, both stating they needed the copy of the original check front and back showing it was cashed. Again, that is not possible. XXXX XXXX submitted my check ELECTRONICALLY. The check is retained by the payee who submitted it electronically. You will see on my bank Statement on XX/XX/XXXX, check # XXXX was presented electronically with the payee stated as XXXX XXXX XXXX. My bank, XXXX XXXX told me that XXXX XXXX XXXX can call them and they can confirm that XXXX XXXX XXXX was paid, but they can not provide a cancelled check due to XXXX XXXX electronically submitting my check. Cemenity Bank is saying I need to talk to XXXX XXXX. XXXX XXXX is saying they sold the credit card to Cemenity Bank and are no longer showing me as having their card. I feel like nobody is able to help me. I just attempted to resolve this again by placing a call into XXXX XXXX who now says they do not have credit card numbers that exists starting with an 85 ... So they do not show me in their system any longer. They conveniently took my money and did not apply it when they sold my card to Comenity Bank. This is so frusterating. XXXX XXXX XXXX has been paid. But has reported to Comenity Bank that I have not paid my balance due ... This is such bad business practice. Hoping it is just an error that can be found ... but thinking this may be how they do business to make money! Can you please help me resolve this?
10/10/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
KY
40013
Web
Servicemember
WHEN MY WIFE AND I BOUGHT OUR HOUSE, PART OF THE APPROVAL FOR OUR LOAN WAS THAT WE HAD TO PAY OFF A FEW OF OUR CREDIT CARDS. WE WROTE ONE CHECK TO XXXX XXXX XXXX WHO WERE THE ONES THAT DID OUR CLOSING, THEY CUT ALL THE CHECKS TO THE DIFFERENT ACCOUNTS WE WERE PAYING OFF. ALL OF THE CHECKS WE EITHER MAILED OR PAID IN PERSON, THEY ALL WENT THROUGH JUST FINE EXCEPT THE XXXX ACCOUNT THAT IS THROUGH COMENITY BANK. I WENT INTO XXXX AND HANDED CHECK NUMBER XXXX IN THE AMOUNT OF {$1500.00} IN PERSON AT THE CUSTOMER SERVICE DESK TO PAY OFF MY COMENITY/XXXX CREDIT CARD. I HAVE GONE IN THERE MANY TIMES AND PAID IN PERSON AND NEVER HAD A PROBLEM. THE XXXX EMPLOYEE AT THE CUSTOMER SERVICE DESK PROCESSED THE PAYMENT, HANDED ME THE RECIPT AND I LEFT. I RECEIVED AN EMAIL SHOWING A XXXX BALANCE. I RECEIVED STATEMENTS SHOWING THE PAYMENT POSTED AND I ACTUALLY HAD A SMALL CREDIT OF {$1.00}.
ALL OF THE SUDDEN I START TO GET COLLECTION CALLS AND STATEMENTS SHOWING I HAD TO PAY AGAIN AS IF MY MONEY I PAID HAD COMPLETELY DISAPPEARED. I TRIED TO DISPUTE THIS WITH COMENITY BANK. I HAD TO INVOLVE THE ATTORNEYS OFFICE WHERE THE CHECK WAS FROM. WE ALSO INVOLVED THE BRANCH MANAGER FROM XXXX XXXX. THAT BANK IS THE BANK THAT XXXX XXXX XXXX USES. THEY SENT CERTIFIED LETTERS WITH THE BANK STATEMENTS, COPIES OF THE CASHED CHECK. IT WAS VERY OBVIOUS THAT THERE WAS A PROBLEM. AS YOU SEE ON THE BANK STATEMENT, THE CHECK WAS PAID ON XX/XX/19. THEN ON XX/XX/19 THE CHECK WAS ATTEMPTED TO BE PAID AGAIN WHICH WAS FLAGGED. ON XX/XX/19 THE RETURN CAME THROUGH TO WASH OUT THE SECOND ATTEMPT BUT THE ORIGINAL PAYMENT XX/XX/19 WAS PAID. XXXX XXXX AFTER TRACING BACK THE CHECK WITH SECURITY FOUND IT ODD THAT XXXX WOULD HAVE TWO BANK ACCOUNTS. ONE WITH XXXX XXXX AND THE OTHER WITH XXXX XXXX XXXX. IT WAS STARTING TO SHOW THAT SOMEONE DOING THE BANKING EITHER MADE A MISTAKE OR DID STEAL THE CHECK. XXXX DOES NOT USE XXXX XXXX. THEY ONLY USE XXXX XXXX XXXX. THE CHECK WAS PAID TO THE XXXX XXXX ACCOUNT.
I WAS ABLE TO GET THE BANK ROUTING NUMBERS FROM BOTH BANKS WHERE THE CHECK WAS PAID OUT TO AND WAS ATTEMPTED TO BE PAID OUT TO.
WE SPENT HOURS, DAYS AND MONTHS TRYING TO RESOLVE THIS. I AM ABSOLUTELY JUST FRUSTRATED. COMENITY WILL NO LONGER HELP ME. THEY HAVE NOW SENT ME TO COLLECTIONS. I NOW HAVE XXXX INVOLVED BECAUSE APPERANTLY WHO EVER DOES THE DEPOSITS AS YOU CAN SEE IN THE EMAILS, HAS DONE SOMETHING WITH THE MONEY WHICH IS STILL UNDER INVESTIGATION. POSSIBILITY FRAUD BUT NOT SURE. ALL I KNOW IS I PAID THE BILL OFF. I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT PLEASE.
THANK YOU.
XXXX XXXX
03/20/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
FL
32828
Web
On XX/XX/XXXX, I received a letter from the XXXX stating that I was late with a payment ( I have never missed a payment with this company ) and my credit limit would be decreased due to the late payment. I spoke with a XXXX Representative on XX/XX/XXXX regarding resolving this matter and to explain why my credit limit was decreased due to a late payment and also to have this unfair marking taken off my credit score. I explained to her that I was a XXXX on a fixed income trying to purchase home and how this was unfair and effecting my credit score. I do not and did not request an increase in credit. I keep my accounts in excellent standing with XXXX XXXX
The Rep. then provided me with the Consumer Resolution address and directed me to write a letter requesting for this to be removed from my credit, stating that my accounts are in excellent standing with their company and she ensured me the issue would be resolved immediately.
I drafted a letter to resolve the credit report issues and my concerns, stating the above-mentioned concerns and mailed it on XX/XX/XXXX. I HAVE NEVER received a response back until today XX/XX/XXXX. I received a letter that my credit limit was decreased AGAIN due to my credit score. NOT a delinquent late payment or any negative marks on my account.
I called today ( XX/XX/XXXX ), spoke to the resolution supervisor XXXX ID : XXXX which had difficulty explaining why I did not receive a response back from my first letter, why this particular XXXX XXXX Card was being unfairly penalized ( decreased in limit ) and not the other six cards I have with this company. I explained to this representative my goals for this call was to have these marking removed from my credit report because this account and all six accounts with XXXX are in excellent standing. I have never missed a payment with any of my accounts and I have XXXX balances with other accounts with their company. I explained that I am a teacher and I am currently in the process of buying a home and these unfair reports are impacting my credit score dramatically. He directed me to send a secured email through my XXXX XXXX XXXX account sating the mentioned concerns. I explained to him that my letter did not get a response why would an email be any better? I needed someone to explain why a customer with perfect payment history with this bank being treated unfairly? As a consumer, I am doing the right things such as keeping my accounts with this company ( NEVER missed a payment ) in great standing and paying my bills on time why am I being punished for doing the correct thing?
10/10/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
GA
30033
Web
I made a purchase at XXXX using my XXXX Credit card ( XXXX XXXX ) in the amount of {$12.00} on XX/XX/XXXX.
In XX/XX/XXXX I noticed the amount had not been auto-paid despite the fact that in XXXX I enrolled in autopay. I called in and spoke with an associate to pay off the {$12.00}. She was very kind and said she took care of it.
On XX/XX/XXXX I noticed that not only was the {$12.00} not paid off, a late fee was added meaning my call in XXXX had not in fact resulted in a payment made. I spoke with a young man who said the associate who assisted me in XXXX accidentally left a dollar on the payoff resulting in a further late fee on my account. He assured me that it did not actually go to collections which I found out later it did.
At no point in time was I informed of any bills being sent to collections.
I pulled a credit report in XX/XX/XXXX and saw that my credit took a negative hit due to a XXXX payment of a XXXX charged. I called XXXX credit card services and spoke with XXXX who informed me that the charge was sent to collections in XXXX and that if the associate I spoke with in XXXX had assisted me correctly it never would have gone to collections thus negatively hitting my credit.
I asked XXXX to pull the XXXX call logs and simply listen to them and hear that I called and made a good faith effort to pay. She said to do this I would need to send a certified letter to this address and then XXXX Credit Card Services will pull the call records. I sent a letter via certified mail to the name and address of Comenity Bank that XXXX told me to send a letter to. The letter was sent and confirmed receipt XX/XX/XXXX ( tracking number XXXX XXXX XXXX XXXX XXXX ).
I received a letter from XXXX XXXX " Customer Care '' team on XX/XX/XXXX stating " We are in receipt of your letter ... requesting a goodwill adjustment to the information reported on your credit files. After reviewing our records, we find that we are unable to make any adjustments. If you have any questions, please write us back. '' My letter was detailed and requested a copy of call logs for proof that I called and tried to make the payment.
I am horrified that an associate did not properly apply my payment and that I now have a hit on my credit due to her error. Credit is not something to be taken lightly and I have always taken my credit seriously. I am saddened that XXXX did not take the time to write a personalized response addressing why they could not make the adjustment.
Furthermore, the request I am making is NOT goodwill, it 's to correct an error on their part. Please assist!
12/30/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
NY
10314
Web
XXXX XXXX XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account Company named above claims I have a unpaid balance charge off.
XXXX claims that Account charged off. {$520.00} written off. And account has been paid or satisfied.
Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$520.00} dollars in XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment.
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.
7. XXXX must submitted proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number.
8. FURTHERMORE, XXXX has revealed the exact scope of the massive breach that exposed sensitive data about millions of Americans including confirmation that thousands of passports and driver 's licenses were compromised along with the Social Security numbers of nearly all of the more than 146 million affected consumers. Thus, XXXX, may have inaccurate information and have fraudulent information regarding this account accusing me of owing monies I do not owe. XX/XX/XXXX was the security breach date.
11/24/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
TN
37650
Web
Comenity Bank ( Victorias Secret ) has refused to remove the late marks on my credit.
I had been told they were deferred due to XXXX and me not working full time hours due to XXXX i did defer them. With that being said, the last week or so that I have spoke with people about this issue I have heard 3 different stories.
I was first told they could only defer them for 2 months, then i was told they could defer them for 3 months and lastly was told I could defer them for 12 months. Regardless of them not knowing what is even going on within their own company, every month I called in, just as I always have to make payments and was told it was still " deferred ''.
Im going to relate this to my own life experiences. I help manage properties and during COVID we did have to allow the rent to be deferred. With that being said, I, myself, kept up with who had deferred rent and how long. That was my job, as it was Comenity Banks job to assure I paid my payments. With that being said, after the second or third month of deferred payments, if they were no longer deferred they should of let me know. Because each month i called in i only got " your payments are deferred '' I never received an email or letter.
Now on to the next scenario. After i had paid my account in full in XXXX of XXXX, I was still being charged late fees til XXXX. When i confronted them they had no idea why i was even being charged those. So now i feel as if Comenity kept charging me for late fees or pentalizing me for things that was not even relevant. I can attach those to this email.
All in all my experience with this has been unfair, from the beginning. I am not asking for a refund, I just simply want the late marks removed from my account because i feel as if i have been treated poorly from them and been overcharged in more ways than XXXX. If i had not paid off my Credit card and seen i was still being charged afterwards i would have never noticed the extra {$40.00} being charged to my account every month.
Long story short. Months XXXX XXXX and XX/XX/XXXX ' ( which i did make a payment in, ill attach that as well ) were all suppose to be deferred from my understanding. It was Comenities job to assure i was aware my deferment period was over, considering ive been told several different things in the last week about deferment and how long it was suppose to last, i do truly believe there is too many people unaware of the jobs they are doing there.
Attached is the XXXX payment, as well as the XXXX payment which I was paid off, then you see i was still being charged even after
04/01/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
MA
02780
Web
Hi XXXX ; I never had any relationship with you nor the original creditor Comenity Bank! But Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
02/16/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
FL
34689
Web
Older American
On XX/XX/XXXX we booked an XXXXXXXX XXXX through XXXX XXXX XXXX ( XXXX XXXX ) located in XXXX Fl. and paid {$200.00} deposit using our Visa Credit Card for 2 people to the XXXX XXXX for XX/XX/XXXX.
Then on XX/XX/XXXX we paid the remaining Cruise balance of {$2700.00} on our MasterCard credit card.
Then on XX/XX/XXXX we noticed a credit of {$260.00} on our MasterCard statement from XXXX ( XXXX XXXX XXXX ) Then on XX/XX/XXXX we noticed another credit of {$310.00} on our MasterCard statement from XXXX.
Then on XX/XX/XXXX XXXX XXXX XXXX sent out an E-Mail stating that due to unforeseen circumstances they had to cancel the XXXX XXXX Cruise reservations and will no longer be working with XXXX. They stated they could not discuss the reasons. Do to the cancellations XXXX XXXX XXXX is requesting a full refund of deposits and any other monies paid. She stated refunds have been initiated through XXXX and they will be issuing refunds to all. The ONLY refund we received was the {$200.00} deposit on our Visa.
After not receiving a Full Refund we on XX/XX/XXXX called XXXX and spoke to ( XXXX a Refund Support Team Member ) asking him why we had not received the rest of our refund in the amount of {$2100.00}. He ask for our MasterCard # and then stated that our Credit Card money was used for an XX/XX/XXXX cruise to Hawaii for someone else. He stated that's why there were ( 2 ) credits issued on our Master Card statement because the XXXX cruise did not cost as much as the XXXX XXXX XXXX that WE had booked. He also stated there is no refund due because the Cruise has already happened.
( So we the customer unwillingly paid for someone else 's Cruise ) therefore our Credit Card was used Fraudulently. In XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX was accused of committing credit card FRAUD.
XXXX also stated that XXXX XXXX committed credit card Fraud. Faced with a financial mess XXXX issued refunds but not to everyone. Some customers were told there payments went for trips that had already sailed which included us and many others.
We at this point contacted our credit card Bank ( Comenity ) and disputed the charge because our credit card was used Fraudulently and that they should refund the monies we're out. They denied our claim stating it was not Fraud because we had given our credit card # to the merchant. We tried a number of times ( with supporting documents ) to explain that our card was used for someone else 's cruise. They continued to decline.
We paid for services ( cruise ) that we did not receive!
We have ALL the documents to support our complaint.
09/07/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
ND
58103
Web
1. The Plaintiff, for its Complaint against the Defendant, states and alleges as follows : 2. The Plaintiff, XXXX ( hereinafter XXXX ) is a resident of North Dakota.
3. The Defendant, XXXX XXXX, ( hereinafter XXXX. ), is a Ohio Corporation, with its principle address at XXXX. XXXX XXXX, XXXX, OH XXXX.
4. XXXX. is the creditor with account ending in # XXXX. XXXX. alleged XXXX owed {$3000.00}.
5. By XXXX reporting inaccurate information regarding XXXX has caused Defamation and Financial Injury as outlined in the US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX.
6. On XX/XX/2018, XXXX sent a letter to XXXX. advising to validate the account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
7. There is evidence the Defendant received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX.
8. XXXX failed to comply with the request and has violated the Fair Debt Collection Practices Act Section 807-8 and Violated the Fair Credit Reporting Act Section 623-b.
9. On XX/XX/2018, XXXX attempted to send a 2nd letter requesting XXXX. to once again validate the account.
10. The Defendant received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX.
11. XXXX. responded with a letter on XX/XX/2018, stating the request was determined to be the same dispute and just ignored the request. They AGAIN failed to comply again with the request and has violated the Fair Debt Collection Practices Act Section 807-8 and Violated the Fair Credit Reporting Act Section 623-b.
12. On XX/XX/2018, XXXX mailed a 3rd letter to XXXX. advising them to Cease and Desist any further contact with him regarding this account.
XXXX. The XXXX received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX.
14. The Defendant contacted XXXX via mail regarding the account dated XX/XX/2018, said contact after a Cease and Desist letter is in breach of the law.
15. XXXX. Violated FDCPA Section 805 ( c ) for contacting the Plaintiff AFTER receiving the Cease and Desist letter.
16. XXXX. still continues to damage XXXX credit score by reporting this negative and incorrect information to the credit bureaus.
17. XXXX. has further violated the Fair Credit Reporting Act Section 623 when it FAILED to report to the three major credit bureaus that the account was being disputed by the consumer.
18. SEE ATTACHED PROOF There are copies of my Credit Reports from XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. Look under Comments- THEY FAILED TO REPORT THE ITEM AS DISPUTED. This VIOLATES Federal Law.
07/09/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
NV
89032
Web
My XXXX XXXX XXXX account had a total of 4 promotional purchases and 1 revolving purchase as follows : 1. {$13.00} revolving, due to the adjustment in the application of a previous payment which I was not made aware of at the time.
2. {$4400.00} promotional balance due XX/XX/XXXX 3. {$390.00} promotional balance due XX/XX/XXXX 4. {$720.00} promotional balance due XX/XX/XXXX 5. {$17.00} promotional balance due XX/XX/XXXX The due date on my account was XX/XX/2020. On XX/XX/XXXX I paid the promotional balance of {$4400.00} in full to avoid accrued interest, this payment was applied correctly. I then called to ask about the minimum amount due on the remaining promotion balances ( this information is not listed on the monthly statement ) so I could make an additional payment to cover those, as well as the full revolving balance. I was told those amounts were {$13.00} ( # 3 ), {$26.00} ( # 4 ), and {$5.00} ( # 5 ), for a total of {$44.00}. I made this inquiry because I was charged a {$2.00} minimum finance charge the prior month because of how a previous payment was applied.
On XX/XX/XXXX I made an additional payment of {$65.00} to cover the {$44.00} minimum due as well as the revolving balance of {$13.00} with a few dollars to spare to insure that I would have no balance remaining that would be subject to finance charges. I spoke with the credit card company twice on XX/XX/XXXX when I made the payment requesting assurances that it would be applied to the balances as I detailed above. I was told that could not be verified until my next statement was generated on XX/XX/XXXX and if the payment was not applied correctly that I could call and it would be adjusted.
On the XX/XX/XXXX statement only {$5.00} was applied to the revolving balance resulting in another " minimum finance charge '' of {$2.00} which equates to an APR of 180 %. I was willing to let it go once but not 2 months in a row, As soon as I received the statement I called yet again on XX/XX/XXXX and spoke to 3 escalating levels of " supervisor ''. All were happy to adjust my payment as I had originally intended and requested but adamantly refused to reverse the finance charge, even though it would not have been generated if the payment was applied as I requested on XX/XX/XXXX.
I realize this is only {$2.00} but if standard operating procedure has no mechanism for consumers to direct how extra payments will be applied until AFTER finance charges are accrued that needs to be remedied. I'm sure this is not an isolated incident and other unsuspecting consumers are being charged as well.
10/11/2021
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
VA
23059
Web
I had a XXXX credit card with a promotion to pay no interest for a year. In XXXX I decided to pay it off, so I paid the account off in full, based on the statement balance on XX/XX/21.
I had a {$29.00} returned check fee and a {$2.00} charge for interest on XX/XX/21, that didnt appear until my XXXX statement, because I thought it was paid off, so I did not look at the statement since it would have been XXXX. That statement had the returned check fee from XXXX. They then sent another statement for XXXX, and I opened that because I wondered why I was still being sent statements with a XXXX balance. That is when I realized that when I changed bank accounts, the timing must have conflicted with the auto-draft, and that is why the returned check happened.
I paid well in advance of the total balance on XX/XX/21 that is due in XXXX to fulfill the advertised promotion of no interest for a year, so I feel I was taken advantage of by confusing advertising and then XXXX late charge showing up in a XXXX statement, so I called to see if they would reverse it and they would not. Trying to establish credit with banks that prey on younger customers that are not as financially savvy. I escalated the call twice and they kept quoting policy instead of working with me since I paid so much off early. I feel this bank is only concerned about their profits and not doing the right thing. I am learning the interest free advertising is deceptive, not fair and an easy trap with loopholes so they can make a lot of money in fees, even when the customer is trying to do the right thing. This bank obviously built this product to prey on customers through multiple ways to get more fees and interest through the lifecycle of the promotion. It is not designed to help customers finances, but is designed to charge extra fees. I called XXXX XXXX when a payment did not go through when I changed bank accounts ( same time as the above ), and they gladly refunded me the fees without any hassle.
Although I will hit many feedback sites with my warning about XXXX and Comenity based on their confusing and deceptive advertising and non-caring customer service, I am asking the Bureau to investigate this product and the amount of fees that customers are being charged to determine if this is a legitimate product to help consumers, of if it is a deception that preys on lower FICO customers in order to charge extra fees and that only put lower-income folks in financial trouble especially when job losses due to COVID probably cause most of the issues with repayment, like in my situation.
10/11/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
94533
Web
Older American, Servicemember
I returned an item for exchange ( {$77.00} ) to XXXX in XX/XX/XXXX The item was credited for the return in the amount of {$55.00} on my statement dated XX/XX/XXXX Shipping and handling fees totaling {$22.00} were applied but I was waiting for the replacement to arrive before I paid anything else.
The replacement item never arrived but in the meantime they applied late fees and finance charges every month for months.
They sent me to collection by XX/XX/XXXX and were harassing me with phone calls for several weeks. They coerced me into agreeing to an electronic payment out of my checking account. I thought it would be for only the shipping charge but they did an electronic debit on XX/XX/XXXX in the amount of {$71.00}.
We finally got someone on the telephone weeks later to investigate the charges. Next thing we knew, a refund had been applied to my account on XX/XX/XXXX for the amount of {$71.00}.
No communication from the company as to why or what their findings were other than the credit, so we assumed that the matter had been closed.
In XX/XX/XXXX, I received a new statement stating both CREDIT BALANCE REFUND {$71.00} as well as NEW BALANCE {$71.00}. This did not make sense.
I called ( with the help of my daughter, who has Power of Attorney ) their Customer Service department on XX/XX/XXXX and spoke to three different people. The first person ( I believe his name was XXXX ) said yes, he could see the problem on the account but couldnt help me. He transferred me to someone named XXXX who informed me that the refund was a mistake and that we still owed the balance but could not explain what that mistake was or why this would be true.
Over 45 minutes later I was transferred to someone named XXXX ( Badge # XXXX ) who still could not help me. As a result, we sent written PoA information with a letter confirming details of the dispute in XX/XX/XXXX.
Within a month ( XX/XX/XXXX ) I received confirmation that they had received my dispute and said they would notify me of their findings. I heard nothing.
The bills continued to come in each month with no other communication.
Now the latest bill ( dated XX/XX/XXXX ) has ballooned to {$270.00} and they are again threatening me with collection for an item that was returned for exchange and no replacement ever issued.
In XXXX, I offered to pay the original shipping fee of {$22.00} but they will not respond to me other than sending more invoices. I do not want to pay until I have it in writing that they will close this matter permanently once the original shipping charges have been paid.
09/23/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NJ
07801
Web
On both XX/XX/2020 in the amount of {$150.00} and XX/XX/2020 in the amount of XXXX, I purchased a wedding dress from David 's Bridal. Both dresses were returned. On XX/XX/2020 and XXXX XXXX, 2020, I received notice that both returns were received by David 's Bridal and a credit would issued to my credit card. After not have received a credit, I reached to David 's Bridal on numerous occasion through their online portal. I was told I had to submit my request in writing to Comenity Capital Bank. On XXXX XXXX, 2020, I wrote to Comenity Capital Bank, as I had only received a credit for the XXXX XXXX, 2020 purchase in the amount of {$140.00}, but not the XX/XX/2020 purchase in the amount of {$150.00}. See my letter dated XX/XX/2020 with the supporting documentation attached.
I received the attached correspondence dated XX/XX/2020 from Comenity Bank indicating they had reviewed my claim and found I was not responsible for the {$150.00} oustanding on my account and an adjustment had been made to my account. See letter dated XXXX20 attached.
Depsite the above, I continue to receive statements from Davids Bridal indicating that there is a balance due and owing, in additional to late fees and interest. See most recent statement attached hereto.
I reached out to David 's Bridal several times through their online portal and continue to receive the same response -- to either submit my request in writing or it is still being investigated. In response to same, I submitted the XXXX20 letter indicating they had completed the investigation and I was not responsible, however, I continue to receive the same message.
On XXXX XXXX, 2020, I reached out via telephone to Comenity Bank who indicated that they have to wait for authorization from David 's Bridal in order to issue the credit even though they have done their investigation and indicated that I am not responsible for the {$150.00} charge. I was told that they would clear the account of any fees and finance charges and hold the account.
Following my XX/XX/2020 telephone conversation with Comenity Bank, I received the attached corespondence dated XX/XX/2020 indicating that they are " currently researching it '' and they are in need of additional information to complete their review. Which was a total contradiction to what I was told and the correspondence I received.
I call David 's Bridal they tell me to call Comenity, and when I called Comenity they told it was David 's Bridal responsibility.
At this point, I am unable to resolve this issue despite the numerous attempts I have made.
01/18/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NJ
07675
Web
I would like to file a dispute concerning a balance of {$58.00} on my XXXX and XXXX credit card account, managed by Comenity Bank.
This amount includes two late fees of {$27.00} plus two minimum finance charges of {$2.00}.
It is for a payment I made on XXXX XXXX at XXXX for {$28.00}. The payment was due that day. I would like to file an official complaint that there was no hour deadline on the first page of the bill where the XXXX XXXX amount is stated. It simply says the amount should be paid on a specific date, XXXX XXXX. As we all know, every day has 24 hours and so according to that detail, I had until 11.59pm to make the payment.
Again, the first page DOES NOT tell clients that the amount has to be paid on a certain hour. Anyone paying online, which includes most people, would have no idea they have to pay by a certain hour on that day.
In fact, the only place in the bill in which the DEADLINE HOUR of 8pm is stated is BURIED in tiny letters at the end of the page on the reverse side. That is absolutely misleading for any consumer.
A few weeks later, XXXX claims it sent me a letter statement with a late fee amount of {$27.00}. I did NOT receive this letter. The company claims it had sent it but can not prove I actually received it. I did NOT receive it. Additionally, it sent me another letter afterward with a late fee on top of the late fee ( now totaling {$58.00} XXXX I also did NOT receive that letter. XXXX has no way to prove that I had received it. I did not receive EITHER letter. Therefore, I couldnt be notified of these amounts.
I spoke to a Comenity representative named XXXX on XXXX XXXX, who refused to waive the extra fees.
I request that the whole amount of {$58.00} be waived. I understand that a late fee was already waived in XXXX, and that there is a limit on waiving only one late fee every 18 months.
However, this is an exceptional case in which I actually paid the necessary amount on the required day, was not properly notified I needed to do it by a certain hour, and did not receive the necessary correspondence about the late fees. I would also like to file an official complaint that an hour deadline be placed at the first page of the bill where the XXXX XXXX amount is stated to make it clear for customers in the future.
I refuse to pay these late fees and will take this dispute further should my side be rejected.
I demand that all {$58.00} in additional fees be canceled.
I also ask for a provisional credit to cover the {$58.00} while this dispute is pending, and for no further late fees to be incurred.
05/10/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
MA
02122
Web
Why is XXXX the only one reporting it? Why was it deleted and re-inserted without my knowledge? Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
05/18/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
VA
22302
Web
Servicemember
On XX/XX/2020, I purchased a XXXX XXXX ticket in the amount of {$530.00} from XXXX using my XXXX Visa credit card serviced by Comenity. I also purchased traveler 's insurance from XXXX in the amount of {$30.00}. Upon reviewing my credit card statement, I discovered that XXXX had charged my card an additional {$86.00} on XX/XX/2020.
While I have receipts for both the ticket and insurance, I have no record of why XXXX would charge my card this additional sum. I contacted Comenity to explain the situation and that the {$86.00} charge was not legitimate. Comenity indicated that they would note this in their system and their fraud team would be in touch. Afterward, I received two follow-up letters from Comenity - one indicating only that I had contacted them and the second indicating that it appeared the charge was fraudulent and they were investigating. A few weeks later, my card began to be declined.
I reached back out to Comenity and was told that the account had been closed and a new card was being sent to me. I was not given prior notice of this action. Comenity further indicated that nothing was being done about the disputed charge as it was reported as fraud and should have been reported as disputed. I spoke to a supervisor as well and basically was told I had used the wrong terminology to report the issue, but that " this was a good learning experience ''.
They said that they had contacted XXXX and were told the charge was legitimate. Additionally, they told me that since I " had clearly given my card number to XXXX, all charges are therefore legitimate ''. I asked if XXXX had provided a receipt of why the amount was charged. Comenity said they had not, and told me I needed to contact XXXX myself. I repeated what I had originally told them - that I was unable to reach XXXX and that all numbers/emails I tried ( over the course of a week ) just routed me back to an automated message saying that XXXX was only speaking to customers who were traveling within the next three days. I requested that the dispute be filed again.
Hearing nothing from Comenity over 30 days later, I filed a complaint with the Better Business Bureau. Comenity 's only response to the XXXX complaint was further unsatisfactory delay tactics. Despite my providing additional documentation and information to Comenity, the company has yet to respond to my latest inquiry. This matter remains unresolved and the charge remains on my account.
This issue has been ongoing now for nearly seven months.
Copies of documentation and correspondence is provided.
12/18/2019
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
FL
33076
Web
Servicemember
Comenity Bank called my cell phone multiple times in one day stating that my XXXX XXXX account was past due. I indicated to the representative that I made the payment and my account was current, which she confirmed. I told the representative that I was in a public pharmacy picking up my medication and that it was not a proper place to continue our conversation and requested for the multiple harassing phone calls that day to stop. The representative continued anyway and stated that she will put a do not call on my account, which I responded I am not requesting a do not call on be put on my account and went back and forth multiple times. The representative then stated that she could not stop the harassing phone calls and I then responded that if the harassment of phone calls did not stop I would obtain an attorney. From that conversation, without my knowledge or permission, Comenity Bank put a hold on my XXXX XXXX card and my XXXX XXXX card in order to hold my accounts hostage even though all payments were current. Today, I spoke with XXXX from Comenity Bank and she stated that an attorney called into Comenity Bank stating that " he '' represents me and is speaking to Comenity Bank on my behalf. XXXX asked me if I hired this attorney to represent me and when I asked her what his name was she transferred me to XXXX her Supervisor. During our phone call XXXX stated that my XXXX XXXX and XXXX XXXX cards were put on hold due to saying the word attorney in my previous phone call, which I described in the beginning of this complaint. XXXX also stated that my accounts will remain on hold until I mail in a letter to Comenity Bank stating that I am not obtaining an attorney or plan on obtaining an attorney. Then XXXX informed me that he declined to have our phone call recorded due to XXXX 'XXXX statement regarding an attorney calling in stating he represents me. He then stated that my XXXX XXXX account was charged off and asked me if I want the credit agency 's contact information that bought it. I have also filed a prior complaint regarding Comenity Bank 's collection tactics in regards to my XXXX XXXX account as well, which they have now charged off due to my complaint with CFPB and affects my credit score. I have requested account statements in it's entirety due to the questionable balance and still have not received them. I have attached a screenshot that shows my credit card limit and no spending availability, which affects my credit score. They have also lowered my limit on only my XXXX XXXX, which also affects my credit score.
04/25/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
CA
93401
Web
This is a complaint under the Fair Credit Reporting Act, The Identity Theft and Assumption Deterrence Act of XXXX, and the California Penal Code, Section 530.8. The company named in this complaint received a copy of the identity theft report ( see attached ) from XXXX XXXX, a legal resident of California at the time the charges were made and subsequently a current resident of California for the purposes of the statute. The company was asked to provide proof of debt and charges in XX/XX/XXXX. Under California Penal Code, the company had 10 days to respond with the information requested as Section 530.8 ( a ) of the California Penal Code states, in relevant part : [ i ] f a person discovers that an application in his or her name for a... credit card... has been filed with any person or entity by an unauthorized person, or that an account in his or her name has been opened with a bank... by an unauthorized person then, upon presenting to the person or entity with which the application was filed or the account was opened a copy of a police report prepared pursuant to Section 530.6 and identifying information in the categories of information that the unauthorized person used to complete the application or to open the account, the person, shall be entitled to receive information related to the application or account, including a copy of the unauthorized persons application or application information and a record of transactions or charges associated with the application or account.
The company provided statements that claimed an amount owed but failed to provide signed applications and details about who signed the charges or other information about the charges that appeared on the statements. This is a violation of California penal code and XXXX XXXX is entitled to relief of approximately {$75000.00} currently an amount that is increasing by {$100.00} per day of noncompliance per the California Penal Code ( 530.8 ( d ) ( 2 ) ) a prevailing plaintiff to recover damages, injunctive relief or other equitable relief, and a penalty of XXXX XXXX dollars ( {$100.00} ) per day of noncompliance.... Penal Code 530.8 ( d ) ( 2 ).
The company has continued to flagrantly violate the law, most recently filing a fraudulent law suit through their attorney XXXX and XXXX, who are known for their deceptive practice and attempts to obtain default judgments through frivolous lawsuits.
Commenity is currently being sued in Federal Court in California for these very same deceptive and fraudulent practices. See Gonzales v Commenity attached.
12/30/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NY
10303
Web
Wayfair XXXX XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account as of XX/XX/XXXX Company named above claims I have a unpaid balance charge off. Allegedly claiming that I owe {$900.00}.
Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$900.00} dollars in XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment.
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.
7. Wayfair must submitted proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number.
8. FURTHERMORE, XXXX has revealed the exact scope of the massive breach that exposed sensitive data about millions of Americans including confirmation that thousands of passports and driver 's licenses were compromised along with the Social Security numbers of nearly all of the more than XXXX XXXX affected consumers. Thus, Wafair, may have inaccurate information and have fraudulent information regarding this account accusing me of owing monies I do not owe. XX/XX/XXXX was the security breach date.
08/07/2017
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Charged fees or interest you didn't expect
CT
06516
Web
I am a XXXX XXXX XXXX that was XXXX XXXX XXXX on my site XXXX and XXXX. I was using PayPal check out. About the end of XX/XX/XXXXbeginning of XX/XX/XXXX I was given a {$3000.00} dollar credit limit with PayPal and I did not ask for this I though this was from my sold items on my web sites.
The interest when this loan started was 0 interest for 1 year and 70 % of the charges on this loan are not even a year old. I made close to {$2500.00} dollars in charges that started around XX/XX/XXXX. It seems that they held there end of the terms of 0 interest for one year for only 6 months. Then I noticed after paying PayPal back up to XX/XX/XXXX that my balance was not going down. This is when I contacted the company and asked why my balance not going down with a balance due of {$64.00} dollars a month and paying over {$100.00} dollars a month for the last year how am I occurring interest charges. At first I noticed this was not interest charges it was all late fee 's of {$35.00} dollars a month for the last year and my payments were always on time with the payment due by the second of each month my payments were sent by US mail to PayPal Credit XXXX XXXX XXXX XXXX Georgia.
Sent out with a money order by the XXXX of each month. I called PayPal Back in XX/XX/XXXXand raised this concern as to why is this payments not going down. They showed me my invoices and I seen that there was a {$35.00} dollars late fee on all of my invoices for the last year with no notification by paperless statements to my email on file XXXX. I received just an email saying we received your payment and your statement is ready. I have contacted them and they said back in XX/XX/XXXX they could only remove all my late fees for the last 180 days that 's 6 months then they said no it is 3 months and we will give you a {$100.00} dollar credit that 's it. I gave up fighting and realized I was scammed.
Now after contacting them today XX/XX/XXXX I noticed that they hid the late fees in my account said they gave me a {$100.00} dollars credit and are now charging me an {$80.00} dollar a month interest fee each month that is insane. They have also charged me another late fee of XXXX dollars for XXXX when the payment for XX/XX/XXXX they said they did not receive until XX/XX/XXXX. They are doing this on purpose so that I have all of these interest charges on the {$2300.00} dollars I owe them and I will be in debit forever with these people.
This is wrong and I want something done please.
I am reporting this also to the Federal Trade commission.
Regards XX/XX/XXXX
11/23/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
DE
19734
Web
Servicemember
This is in regards to comenity bank card for lane bryant. The account paid in full XXXX/XXXX/21, a late fee was removed so balance went from XXXX tXXXX XXXX which was paid, currently reporting late when i was ensured it wouldn't be and i shouldve waited for it in writing but was told since they confirmed it hadn't yet reported that I would be fine.I didn't argue about the fees late fees or ask more questions because I just wanted a quick resolution to the account.
This account I thought was on auto pay and I didnnt realize there was a {$6.00} payment and late fees on top of late fees because of fees that were not fully assessed and were pending at time I made last payment. I spoke with several people when I was called regarding the delq balance and they waived a late fee, I paid the remaining balance in full and was told that it was being brought up to date before it was reportd so everything was fine. I recently got notice my score dropped significantly due to this being reported as having a balance of {$100.00} as of XXXX/XXXX/21 which is incorrect. I called Comenity to dispute it and was told that once this reports again it should correct itself and report correctly but Im currently trying to get approved for a mortgage for a larger home as Im expecting twins and need a larger home. I asked the manager I spoke to if they could look into the payments and the previous discussions I had regarding this account and was dismiss and told to wait for next reporting or contact the reporting agencies. XXXX XXXX and XXXX are showing delinquent with a balance of {$100.00} which is incorrect, XXXX is still showing no payments made late but an incorrect balance. Im requesting that someone please accurately report that this account is up to date with a XXXX balance and remove the XXXX XXXXay mark as I was assured that it would not appear if I was able to pay the entire balance on XXXX/XXXX/21 over the phone. The same day a fee was removed due to the discrepancy of being charged fees on top of fees AND my credit limit was increased.
I dont think its fair or accurate to report that I was {$35.00} late when they removed {$35.00} from my account and instructed me that paying the remaining balance which were late fees that had not been posted to my account when I called to inquire would result in my continued stellar reporting of never being delinquent. I feel like I was mislead, given false information regarding reporting and the account is not accurate on any of the XXXX.
I hope this can be resolved quickly. Thank you.
11/24/2018
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
CA
90024
Web
On Friday XX/XX/XXXX at XXXX, my friend and I went to this famous Lingerie department store XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX , CA XXXX. While my friend was at the cashier paying out for the items, the sales agent in cashier XXXX deceived my friend into convincing her that she could get a discount of XXXX $ on her purchase if she applies for this angel 'Customer Loyalty ' card which is absolutely fraudulent to sell credit card to people as customer loyalty or discount cards and not mention at any part of time that it is actually a credit card. The agent then asks my friend for her information including her social security number which she does not remember. So, the agent literally told her " You can use your friend 's information instead and I will give you the angel card '' which is a clear incitement to identity theft. So, my friend who knew nothing about credit cards and who just wanted to get the XXXX $ discount on her purchase came asking me for my social security number and did as the sale agent says and the agent then went ahead processing the application for her until I realized in the middle of it that I was being dragged and scammed into applying for a credit card without my consent by this sales agent and without any knowledge by me or my friend of what was going on ; so I immediately interrupted the agent and demanded her to stop what she was doing by clearly stating : " I do not wish to apply for a credit card ; do no proceed with your application please cancel whatever you are doing ''. She after that assured me that she has cancelled everything and the application did not go through. However when I get home later that evening, my friend receives a message on her email stating " Congratulation for your new XXXX XXXX XXXX card, Your credit limit is .... Expect to receive the card in your mail within two weeks ''. I was shocked of how desperate this agent was to sell that credit card, she did not only lie about what she was trying to sell us, and incited my friend to use information that is not hers to obtain the card but also lied about the card application being cancelled though it went through ...
As a result of this company hiring such irresponsible employee to sell credit cards using all kind of fraudulent methods and lies, I now have a hard inquiry on my credit report that will for sure hurt my credit score and prevent me from getting the mortgage I was planning to apply for to finance my home, and on top of that a credit card issued in my name that I know nothing about.
04/28/2018
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
TX
75019
Web
My complaint has to do with XXXX XXXX- purposely lowering the credit limit on two of my credit cards ( XXXX & XXXX XXXX. As evident in my account history, my monthly payments on the foregoing cc 's were delinquent for a couple months. Regardless, as soon as I started making $ XXXX/ {$300.00} pyts to get caught up and to pay down my balances, I received multiple pieces of correspondence ( some attached ) stating that they were lowering my credit limit. I can prove the direct correlation between payments I have made and credit limits being lowered on each credit cards { if need me, I can obtain a timeline from my account online and/or the CFPB can acquire that data from XXXX XXXX directly }.
In addition to this unilateral action on behalf of XXXX XXXX, they mailed me correspondence indicating same, however, the limits mentioned in their letters were not representative of the " actual limits '' on the card at the time as the limits were acutually lower than the amounts mentioned in their correspondance. As a matter of fact, they were lowering the limits so quickly that their mailings could not keep up with the actual account status.
I have never experienced a credit card company that actually " monitored customer payments '' made on accounts and then, purposely lowered the credit limit in response to same. Beknownst to XXXX XXXX, by partaking in this activity, they are aware, that credit scores lower as there is no disparity between the balance on the card ( carried ) and the actual limit.
My XXXX credit limit was initially {$2400.00} and is now {$1900.00} ; XXXX XXXX credit limit was initially {$1800.00} and then {$1200.00} and, when I logged on the other day ( see attachment XXXX to their site, it said " {$0.00} '' credit limit. I called XXXX XXXX / XXXX and they stated, you elected the 'hardship program'- I stated, NO, nope, NO- never did that. They then stated they would put the credit limit back -?
[ no telling how much my credit score suffered when the balance was $ XXXX+ and the credit limit was {$0.00} ; such flagrant actions have direct credit impacts on customers ' FICO scores ] In closing, I am aware of credit card companies lowering credit limits but not in " direct response/correlation '' to payments made. The limits were lowered on BOTH cc 's a variety of times, subsequent to payments made, in order to keep the 'balance in close relation to the limit'- otherwise, why was it done?
If this " practice '' on behalf of XXXX XXXX if not in direct violation of the FDCPA, I don't know what is.
08/15/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
GA
30238
Web
XXXX my account was reported late I had spoken with a representative on the XXXX of XXXX and she advised me my payment had been return and I needed to make a payment to avoid a late payment on my account. I immediatly took action. The representative gave me false information and my score dropped 70 points! I am in the process of purchasing a home and this has impacted me tremendously. Please advise this company the to remove this and report the accurate information to my report. Below is the letter I sent the company. XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Re : Acct. # XXXX - XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX - XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of my accounts to the three credit agencies. First of all, let me start by saying " thank you '' for taking time out your busy day/ schedule to read my e-mail. I recently pulled my credit report and discovered that I have 1 '' Late Payment accounts reported with over 31 days delinquencies from XXXX XXXX XXXX with {$0.00} balances. This distressed me because I was unaware that when i submitted my payment someone had compromised my account with my bank therefore the payment was reversed without my knowledge.This adversely affects my ability to the complete the process of being a first time home buyer/owner with a strong credit rating. I 'm just trying to make a better life for my XXXX daughters while working hard as a XXXX XXXX This late report is one of the only things standing between myself and receiving the lowest interest rate available. I realize the position that I did n't proactively check my account statuses and I apologize for that immensely. I have definitely learned a valuable lesson the hard way and hope that you take my request to remove the 1 late/delinquencies off of my credit report into serious consideration. I hope that you will deeply consider my request. I look forward to your reply. In all honesty if not I will just close my account with commenity bank giving that fact I know I will be a loyal customer and shop wisely but I just need your assistance in this matter. Credit is impoortant to me because when I found out the payment was reversed the rep assured me I caught it in time and i submitted the payment XXXX XXXX. I was given inaccurate information and was told as long as im not 30 days past due and she assured me I wasnt. Please let fix this and move forward. Sincerely, XXXX XXXX XXXX XXXX XXXX
08/24/2019
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
CT
06840
Web
I have been an online customer for XXXX XXXX XXXX and purchased a pair of diamond earrings for my wife birthday/anniversary.
My purchase, I used m financing program using XXXX XXXX credit card which they partnered with Comenity bank.
I paid down payment and paid monthly installments on time. However their system is designed in a certain way to make sure customers fail or get scammed or mislead into failing one payment and charge ridiculous penalty.
They dont have auto schedule payments to deduct from account. You have to remember and manually pay every month.
Buts thats not the biggest scam.
The loan they provided designed to give you zero interest for 18 months. However m, their monthly installments thats ore loaded in their system is not designed to pay of the loan in 18 months. It is designed in a way where it pays only 1/3 in 18 months and then they charge interest penalty on 19th month that brings the loan back to the original value and back to zero. On top of that, they dont remind you or send any kind of proactive message or call that 18 months will be up soon and need to pay to avoid interest penalty.
That message is sent to their online portal between many messages and you have to go through ind emails to find that.
It is definitely designed to fail.
I called them and they refused and hung up on me. They stated its my fault to miss the 18th month payment in full and now have to pay added interest of 1/3 the product value.
I bought the product for around 8k and loan was paid after 18th months to around 5k and now on 19th month its back to 8k even though all installments was paid monthly by their system.
My fault was I did not Calculate their monthly installments they set up which is not 18th months pay off.
All system is passive method for customers to go online and have to see make sure timely monthly payment or penalty.
I have made all payment on time except the last month when I saw the sudden charge of XXXX dollars interest for a XXXX earrings.
Thats ridiculous.
I dont believe XXXX XXXX runs a system to fool customers or scam them into failing through passive system set up.
I would request you to help us settle the penalty charge and we are ready to payoff the principal as a whole immediately and close the dues for good. The interest charge is absolutely a scam.
If have contacted a Comenity bank and they refused stating its my fault to fall into their scam while blue Nile refised ti respond.
We are a dispirited customer now. Our info attached.
Best regards XXXX XXXX
01/10/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information is missing that should be on the report
PA
19087
Web
Older American
Comenity Bank, the issuer of XXXX XXXX credit cards, recently ( XXXX of XXXX? ) issued a late payment notice to the three credit bureaus pertaining to an overdue {$60.00} bill from XXXX XXXX that I inadvertently overlooked my husband assumed that the account had been set up for autopayment of the full amount and simply put the statements aside for later filing. The account was opened I believe in XXXX of XXXX. I became aware via a telephone call of the two-month overdue payment on XX/XX/XXXX of XXXX and paid the balance due in its entirety that same day. The fact of the late payment and the mitigating circumstances behind it are both clear and have been communicated to Comenity Bank Comenity Bank is in receipt of an exchange via their website ( XX/XX/XXXX ) and two subsequent letters to them ( on XX/XX/XXXX and XX/XX/XXXX ) attempting to clarify the extenuating circumstances in the hopes of achieving credit history relief, all of which have been unsuccessful. I do not understand the basis for Comenity Banks dismissive responses to my inquiries.
I am a XXXX year old woman with a decades-long spotless credit history, and this notice has had a significant impact on my otherwise excellent credit history, and the long-term ramifications at my age can be significant. I would hope that systems or regulations are in place to ensure that financial institutions provide reasonable oversight in the application of credit related tools, particularly for the elderly, to prevent either indiscriminate or punitive misuse of these tools.
A timeline of significant events is included as the first page of the attached scan file, which also includes copies of the website exchange and of my two letters to Comenity Bank, as well as Comenity Banks denial responses. Again, this late payment issue was addressed in full on XX/XX/XXXX of XXXX, the day that I was made aware of it via a telephone call. Once more, my husband set aside the ( unopened ) initial statement pertaining to the {$60.00} purchase and the subsequent statements for later filing under the incorrect assumption that the account had been set up for autopayment which he did in fact do the same day that this issue was realized, XX/XX/XXXX of XXXX.
Credit is extremely important to me, particularly at my age. I do not understand Comenity Banks refusal to pursue a course of remedy that their own Customer Service Department, who forgave the second penalty charge upon hearing the reason for the overlooked payment, indicated as a very reasonable course.
02/08/2021
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
TX
77381
Web
This is regarding my XXXX XXXX credit card through Comenity Bank. On XX/XX/XXXX, I contacted them to let them know I was having trouble making the XXXX payment and asked for a deferment ( on their website they did offer COVID assistance, which was a message I read when I logged in to my account ). I have been unemployed since XX/XX/XXXX, and had been making my payments all along, but then my Unemployment benefits were stopped on XX/XX/XXXX for an invalid reason. I subsequently had to file an appeal with the state but that hearing was not scheduled until XX/XX/XXXX, so I didn't have the income for nearly 8 weeks at that point on XX/XX/XXXX. They agreed and said I would not have to pay my XX/XX/XXXX nor my XX/XX/XXXX minimum payments. Then, on XX/XX/XXXX, I logged in t my account to check it ( this is my payment due date ) and it showed NO minimum due - XXXX. At that point, my unemployment benefits had just begun resuming, so I made a small payment of {$40.00} ( again, NO payment was required ). The {$40.00} payment cleared on XX/XX/XXXX. On XX/XX/XXXX, a Sunday, the calls from Comenity Bank began, starting at XXXX in the XXXX. They called at least 8 times, and each call was from a different number ( in Ohio, Colorado, etc. ) or, showed up as a blocked number. On XX/XX/XXXX, I did finally answer one of the calls, and explained to the agent that I did in fact make a payment when none was due and told her it had already cleared. She thanked me and said she would notate the account. Well, then, the next day, on XXXX, the calls continued from Comenity. I had NINE missed calls from them on XXXX. I did not answer, figuring their computer system hadn't yet updated or something. The next day, on XXXX, the calls continued. I received THREE calls that morning ( all within the space of under 2 hours ) and I finally answered. I told this new agent the entire story and that I had just told an agent on Sunday, XX/XX/XXXX, that a payment had been made when none was required. I then said I would file a complaint with the CFPB if the calls continued, as they were harassing me. All for $ XXXX. It's ridiculous. The calls did stop for a few days, but they just began AGAIN! Today, on XXXX. I have not answered yet but decided to file this complaint instead. I have all the calls saved in my phone, and again, they are from different numbers. When I re-dial the number it says Comenity Bank, so I know it is them. If they can not manage a COVID assistance program for their customers, then they should not offer it!!
05/11/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
PA
17088
Web
Older American
I had a XXXX credit card issued by Comenity bank ( are they even a bank? ) with a {$2500.00} credit limit.
I had not used the card since I made an initial purchase in XXXX. It was paid off within 90 days or less.
XXXX closed this account XX/XX/XXXX and reported it to the credit reporting agencies XX/XX/XXXX.
I received an email alert to this activity on or around XX/XX/XXXX and immediately called Comenity. I spoke to their representative, XXXX ( ee # XXXX ) and requested they reverse the closure. Her first advise was to reapply. That of course was as stupid a suggestion as I've heard. I did not take it. She then stated she would contact her supervisor and request a reopening. I was to hear in " a day or two ''. I never heard back.
I called a second rep the day after ( XXXX, XXXX ) who directed me to my online account. I gave Comenity more information online than they deserved but assumed since I was able to get online with the same account number and update all the information they wanted ( extra phone numbers, etc. ) perhaps the account had been reinstated. To reinforce that I did not want to reapply and hit the XXXX XXXX again, I sent another request to reopen my account via Comenity 's " secure message service ''. Their email reply XX/XX/XXXX directed me back to my online account and the gist of the response was " since my account had been closed so long ago '' I would have to reapply. ( of course, I will not do that ).
I recognize that during this Pandemic Shutdown minutes, hours, days, and weeks seem endless but am I the only one with a calender and the ability to count? The account was closed XXXX, reported XXXX, I requested a reversal XXXX, email exchange began XXXX, my last communication with them was today XXXX. I think that's a total of 22 days. In what world is that too long a time period to reopen, reverse the closure of an account?
The impact to my credit score was more than 30 points as I don't carry a large amount of credit ; no mortgage, no car payment. It went from XXXX to XXXX.
In the grand scheme of what's happening to the American citizen this is perhaps minor. But as a single woman, aging at a rapid pace, subjected to all the indignities that go along with being single and female in this world, I just wonder how many others are paying attention to what these no name banks are doing to people? However minor, one should not take a hit to their credit because the don't shop enough at a particular store. Thanks for your time and any effort you can give to this.
05/06/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MD
20910
Web
-- In XX/XX/XXXX the balance due on my XXXX XXXX Credit Card ( billed b y Comenity Capitol Bank ) was {$250.00} and the minimum amount due was {$25.00}. The minimum amount due remained {$25.00} for XX/XX/XXXX , XX/XX/XXXX , and for XX/XX/XXXX , XX/XX/XXXX a nd XX/XX/XXXX as the account balance continued to go down each month until it was {$140.00} by XX/XX/XXXX . -- So, beginning in XX/XX/XXXX , believing the {$25.00} would be my monthly payment for the remainder of the balance, I decided to set up an auto payment. I did not plan to use the card or buy anything else as I had recently retired and wanted to pay down the bill. So I set up an auto payment on the account to be paid from my bank for {$25.00} each month by the due date, beginning XX/XX/XXXX . I had not made and continued to not make any more purchases on this account. However, even though my account balance continued to go down each month from XX/XX/XXXX thru XX/XX/XXXX , in XX/XX/XXXX , with the account balance now being {$130.00}, they raised the minimum amount due to {$27.00}. Not expecting this as my balance had not gone up, and I had made no more purchases, ( and had on ly one " fee charged '' -- {$27.0 0} ) m y auto payments remained the same -- {$25.00}. -- However, because I was now, ( beginning in XX/XX/XXXX ), p aying {$2.00} under the minimum due I began to incur {$27.00} " late fees '' each month beginning in XX/XX/XXXX and continuing thru XX/XX/XXXX . These fees are not marked as " late fees '' only " fees charged '' on the itemized part of the bill. In addition, they do not indicate the date they receive your payments on the statement. These two f actors do not immediately make it obvious when you look at the bill, what is going on. My bills were never late -- only short by {$2.00}. So over this period of time from XX/XX/XXXX thru XX/XX/XXXX I incurred {$320.00} in late fees by my calcul ations. ( My bill would have been paid off by now if not for these fees. ) -- I see no reason why the company would increase my minimum payment by {$2.00}, even when my balance was going down. I feel this is a type of scam or taking advantage of the customer, if you will. I feel that they can see you are now paying by auto payment and they believe they may be able to confuse you, if you do n't pay close attention to your bill -- by changing you an amount due slightly over your auto payment and then charge you exorbitant fees for " being late '' on a balance of {$250.00} or less.
01/21/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NJ
08816
Web
I made a purchase at XXXX XXXX on XX/XX/2020 in the amount of {$3700.00} and put it on the store credit card. After my purchase for about 1 month I did not receive a statement or a Store card in mail. I contacted the company that provides the Financing for Comenity bank that I had not received my statement and Credit card in mail. I was informed by the Customer Service Rep that the statement is in the mail. After the 2nd month I contacted Comenity bank again that I had not received the Credit Card or the statement in mail. At that time they verified my Home Address and indicated to me that they did not have my correct address on file. They had a completely wrong address on file, that I did not provide. So my statements and my credit card was sent to wrong address. They corrected the information, and since my account was past due took a payment from me and removed the late fee as it was their fault. My account was brought up to date until my next payment would be due on XXXX XXXX.
I was also walked through accessing the account online and I was able to setup an automatic payment that would get taken out from my Checking Account. On XX/XX/XXXX, I received a letter from Comenity bank indicating that my automatic payment was cancelled. The letter did not indicate why it was cancelled. When I logged into the account online, I did not see the account that I had setup and also my account was showing past due and I was once again assessed a late fee.
I setup Automatic payments again for the next payment cycle and went ahead and made a payment online to bring my account current. I contacted Comenity bank disputing the Late Fee, indicating to them that I had setup an automatic payment and I am not sure why it was removed and cancelled and why I am being charged a late fee and would like the late fee removed. The rep and his manager told me that they could not take off the late fee because they can only take 1 late fee off in 18 months.
The first late fee was taken out because it was clearly an error on the Credit card company side. It seems to me that Comenity bank is making a revenue stream by removing a customer 's automatic payment information and then charging them a late fee. They have no system in place to verify that the automatic payment information is correct and they do not notify the customer if the information does not verify, they simply charge their customer who may have entered their information in good faith. I do believe this is very misleading and hurts many consumers.
10/04/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
IL
60423
Web
I opened a XXXX XXXX credit card to get a discount on a purse for my wife for XX/XX/XXXX. then the nightmare started!!
I paid for the purse with the newly opened XXXX XXXX credit card The purse was out of stock at the XXXX XXXX IL store and had to be shipped to my house I never received the purse in the mail and notified the store.
The store told me they would look into it but the color purse I originally ordered was complete sold out I had to purchase the same purse but in a different color at the store it was in stock - the store and Comenity Bank has records of the second purchase I paid for the second purchase with my XXXX XXXX credit card again and paid it off in full when the statement came XXXX said they would investigate and said the post office had confirmation the first purse was delivered to my home and left in my mail box.
I said I live in a rural area and if it was delivered it was never received by me or anyone else in my house, and the post office would often leave packages in front of my mail box or on the driveway by the street. They said the post office left it in my mailbox. This is 100 % not true because the purse was to big to fit in my standard and only mail box. It was impossible to get the purse in the mail box!!
What made matters worse was XXXX XXXX went out of business and wouldn't return calls or letters I sent.
I notified Comenity Bank and they were absolutely horrible to deal with. I called and kept asking to talk to supervisors and also wrote many letters. I went on like to find out more about Comedity Bank and their reviews were terrible. They have zero empathy for anyone and are like robots.
I asked everyone I talked to at Comenity Bank would they pay for a purse they never received? The standard reply was its not their problem. I said I wasnt going to pay for something I never physically received.
Harassing phone calls started and kept continuing all hours of the day and weekends. They were very unprofessional and exstreamly ignorant.
I finally had to tell them to stop or I was going to call the Police.
I have filed complaints with the credit reporting agencies and Comenity takes it off the credit report then puts it back on. Its just a game for them This has damaged my FICO credit score and is unfair that they can and do treat people like dirt with no compassion or repect. Then they are allowed to damage their credit. I have always worked hard and paid my bills on time and do not deserve the unfair tactics by Comenity Bank.
Please Help
04/12/2017
Yes
Credit card
Identity theft / Fraud / Embezzlement
CA
91501
Web
XX/XX/XXXX someone tried to open a XXXX account using my name. A fact I learned after I received a letter from them dated XX/XX/XXXX about the fraudulently obtained account. I called them immediately to have it removed. I also placed a 90 day fraud alert with the major credit reporting companies on XX/XX/XXXX and that is clearly documented with them. I thought the thief had been stopped in his/her/their tracks but I recently discovered on a newly obtained credit report from XXXX that on XX/XX/XXXX ( just 2 days after I placed the fraud alert ) someone opened a fraudulently obtained account with XXXX ( Commenity Capital Bank ) and charged {$7500.00}. Then Commenity tried to collect by calling me over and over. I suppose I should have called back the many messages I started receiving on XX/XX/XXXX ( I have every single one of the recordings and there are a lot ). Each message was from a different person with a strange title and very threatening but did not explain the exact nature of the situation only that " an urgent matter ha [ d ] come across [ their ] desk. '' Not knowing yet about the fraudulently opened XXXX Credit card, I assumed they were just some kind of scam. Around XX/XX/XXXX, I noticed a big dip on my credit score on my XXXX account so I called them. They said I should call XXXX. I called XXXX. They could n't tell me anything but sent me a copy of my credit report. XX/XX/XXXX I received my credit report and discovered the fraudulently opened account opened XX/XX/XXXX ( 2 days after I had placed a fraud alert ) and charged {$7500.00}. I also noticed a wrong address changed in early XX/XX/XXXX and an errant phone number and various other inquiries I knew nothing about. This has been a huge headache and has taken me weeks to correct and I 'm still attempting to remedy this situation. It is incredible to me that 2 days after I placed a fraud alert, that XXXX opened an account with a {$24000.00} limit ( something I do n't think I 've ever been offered by anyone right off the bat ) and charged a whopping {$7500.00} on a newly opened account using my credit with had a fraud alert. This account should never had been open and I believe XXXX through Commenity Capital Bank has caused me a lot of pain and suffering and loss of income and credit. I was denied credit. This is gross negligence and I have ample documents to back up all my claims. I am only enclosing a few that prove the errant charge. Before obtaining counsel, I would like to just settle this matter between us.
02/21/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
HI
96789
Web
Servicemember
I purchased {$30.00} worth of Childrens clothes with my Childrens Place/Comenity credit card. I made the payment with Comenity, paying off the card. I was unaware that they payment was not completed due to having old banking information store to pay the bill. I was not sent any type of notification even though, I had enrolled in paper statements. A {$30.00} late fee was attached and I noticed that the payment had not gone through my bank and was unaware of why the original payment did not go through, so I tried again to pay the bill ( not knowing that the bank account used to make the payment was a closed bank account stored within Comenity ( account closed due to a recent divorce ). This time, I checked to see if paper statements were turned on and they were still off, so again, I made the change to paper statements. Once again the payment did not go through and I was not notified by paper so another late payment of {$30.00} was applied. Making my total balance {$90.00}. This time, I called customer service and asked them what was going on with my payments, they relayed the information that the bank account info was not correct, therefore not going through, so I was able to get assistance in changing the banking info so that the payment could be pulled from the correct account. I also received assistance changing the statement to paper statements since they still showed electronic. If paper statements had been sent to my house, like I had originally requested, then I would of received the notices/statements and this whole mishap would have been avoided and payments would be reached on time and pulled from the correct bank account. I explained the reason that I need paper statements is because I am XXXX XXXX military, working in the field and when statements are sent, my roommate or mom can notify me of my mail and bills that need to be paid. Since being in the field many times, I don't have access to a computer to check accounts so the papers statements allow my mom, to make the payment for me when I am in the field. Because of this, my credit score dropped 70 points and it went from Excellent credit to Good. I disputed the incident with XXXX and they corrected the late error and my score increased. When I disputed the incident with XXXX, my lowered score stayed the same. When I called Comenity about the issue, they said that there was nothing they could do to assist, that they don't have any way of changing late payment information that is reported to the credit bureau.
08/09/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
MA
02459
Web
In XXXX, I signed up for a store credit card at XXXX. The card was administered through Comenity Bank. I made an initial big purchase of {$250.00} and paid it off in full on the Comenity website. I then charged {$59.00} to the card and was under the impression that I had set up the card to pay automatically. When the account became past due, I did receive calls from Comenity, but I thought they were spam. This is the reason I am writing to you today. I do not dispute the fact that I incorrectly assumed the card was set up for auto pay. I DO maintain that Comenity should have called me from a phone number associated with the bank and provided me with more information about what was going on when they left messages. The phone messages that were left for me said, Im calling in regards to an issue wit
h your Comenity credit card. No other information was mentioned not the name of the store or any other identifying information. When I googled the phone numbers from which the calls were coming, they werent associated with Comenity as a company. I then googled Comenity collections scams and found a lot of language on the internet about a scam around a Victorias Secret credit card ( which I used to use, but closed out years ago. ) I get spam calls every day and have participated in mandatory scamming training for my employer. All of the advice says not to trust someone calling you from a number not associated with the bank itself. Therefore, I assumed all of this was a scam until I finally saw my FICO score dip. When I checked on my credit report, I saw the card and immediately paid it off in full.
I regularly carry balances of thousands of dollars on my credit cards and I always pay them off in full each month, usually utilizing automatic payments. This is the first time that Ive ever had something like this happen to me, and the first time that my credit score has dipped below XXXX.
I wrote to Comenity and explained this to them. They wrote back and said they were unwilling to remove the negative remark on my credit report. My husband and I will be taking out a mortgage later this year, and Im so afraid that this dip will impact our interest rate. As I mentioned before, this has never happened to me. I have an otherwise spotless credit report. Im afraid that this one mistake will cost us in the interest rate were able to get on this much larger, much more important loan.
Thanks again for your help today. Please let me know if there is any other information I can provide.
12/07/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
AR
72301
Web
Older American, Servicemember
XXXX XXXX XXXX advertised about getting a full head with no XXXX, you can swim, sweat whatever it will never come off, so I went in for a free consultation spoke to manager XXXX he explained I would get 3 hair units and 1 yr of service for washing, styling, cutting and products included for {$4700.00} and they didnt take XXXX XXXX card but I could finance it on their credit card so I was approved from Comenity Capital BankXXXX XXXX $ XXXX XXXX said my card would come in the mail and he measured my head and ordered the hair and stating it will be back in 6 to 8weeks, and got an appointment to come back after 8 weeks to get hair put on and styled then the service started from that first appointment I waited 3 months for a card I never received, I called Comenity they first said it was in the mail after months of waiting they said I had no card I had a line of credit ... so in the mean while every 3cto 4 weeks I go in to hair club for wash and style ... Towards the end of the year I asked for my other 2 units and was told I wouldnt receive any more units I had used them when I changed hair styles but that was never explained to me during the treatments, I thought they were using the same 1 unit and restyling, washing and cutting, the stylist nor XXXX ever said to me a style counts as a unit during the 1yr service .... then I asked for a manager because this was never explained to me until towards the end ... .another manager XXXX came out to speak to me and my daughter, she said she would try to make it right as best as she could, she contacted upper management and got back to me 1wk to 2 wks later and said she would order me 1 new unit and repair the one I was wearing to make up for the misunderstanding but it would take 6-8 weeks to get the new hair, at the end of the 8 weeks I called XXXX and was told XXXX no longer worked there, I asked for XXXX , he refused to talk to me so I contacted an attorney who wrote XXXX and they refused to answer the attorney back. I contacted comenity capital bank/XXXX XXXX to start a dispute a dispute the beginning of 2019 and the end result was they sided with XXXX. I feel like the public needs to know that XXXX is doing a sort of bait and switch they tell you all good things in the free consultation but switch up after you take a line of credit thats why they do not take other credit cards because outside credit card companies we stand up for the consumer and make them honor the verbal contract but Comenity Capital BankXXXX XXXX will not.
10/06/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
CA
90210
Web
I filed a FTC Affidavit report and credit report pertaining to a a data furnisher listed on my account Comenity Bank/Victoria Secret. At the time of the report the account number they where reporting the fraudulent account under was XXXX as was listed on the affidavit and the police report so it was removed from my credit file with XXXX immediately and XXXX it was removed from XXXX on or around XX/XX/07 I gave the report attached. What comenity bank then did was change the account number with XXXX to XXXX which allowed it to stay reported on my account and resubmitted it to XXXX under this new account number and statement saying the account is current! XXXX deleted it again as I informed them of the error and then on XX/XX/XXXX informed me that they had to reinstate it because the data furnisher gave them new information which they had to keep it on the report. They violated the 5day FCRA 605b law which states they are supposed to infirm me of any reinserted accounts twice and did not provide the 5 day forwarning. I attached the documents credit reports where it shows that the comenity account was deleted under a different account number as if XXXX due to the affidavit and the police report then I attached the current report from XXXX with the new account number and its clearly evident that it is in fact the same account number due to the history and the opening date of the files its identical only account number changed so they can illegally keep reporting it on my credit profile. This situation cost me 80 points and a denial from the SBA I need it to be resolved immediately so I can reapply with the SBA so I can get back to business. I attached an updated FTC report with the new comenity Victoria account number and as per FCRA LAW 605B its should be permanently deleted from both XXXX and XXXX credit reports immediately. I also sent the data furnisher a Cease and Desist as well as a second FTC REPORT which according to the first one they should of stop reporting however they continued on reporting which is an additional violation to FCRA law rights! In addition to this file there are other fraudulent items being reported with these two bureaus several inquiries that where not initiated by me with XXXX its XXXX and with XXXX they are Comenity/XXXX, XXXX, and XXXX XXXX XXXX as reported on the attached FTC affidavit the other inquires are with XXXX I will file a separate claim for that along with the inaccurate reporting from another company XXXX XXXX
05/11/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
TN
37601
Web
On my XXXX statement for my Comenity Capital Bank XXXX XXXX card, my promotional balance was XXXX to be paid in full by XX/XX/XXXX to avoid paying interest. My minimum payment due by XX/XX/XXXX was XXXX. I paid the {$56.00} on XX/XX/XXXX. I paid an additional {$100.00} on XX/XX/XXXX. I called on approximately XX/XX/XXXX and asked for the {$100.00} to be allocated to my promotional plan. The representative said I had to wait and call in about a week. I called about a week later and asked for the {$100.00} to be allocated to my promotional plan and was advised it had been done. I looked online a couple days later and didnt see a change. I then received my XXXX statement. The payment for {$100.00} was there but my promotional balance was now {$260.00}. Only {$10.00} from my minimum payment due had been applied to the promotional balance. My {$100.00} payment had not been allocated to my promotional plan. Had it been applied, my promotional balance would now be {$160.00}. My minimum due on that statement was {$52.00} due by XX/XX/XXXX. On XX/XX/XXXX I submitted a request in writing throught the websitess Secure message center asking for the {$100.00} to be appled to my promotional balance. I have yet to receive a response. In addition, I called back again and spoke with a manager and asked that the {$100.00} be allocated to my promotional plan. He stated it was previously done incorrectly and had been done correctly now. He then told me an amount to pay before my next statement to pay off my balance. On XX/XX/XXXX, I paid a total of {$220.00}. This was to cover the corrected promotional balance of {$160.00} plus pay XXXX, which included my minimum payment due. I waited for the promotional balance to be reduced online and it never was. I called XX/XX/XXXX and was advised that I would not be able to see a reduction in my promotional balance until the statement cut and to check the balance on XX/XX/XXXX. I checked the balance on XX/XX/XXXX and my promotional balance was reduced to {$87.00}. This new promotional balance reflects {$10.00} applied from my minimum payment due and the extra {$160.00} from the {$220.00} I paid on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with a manager asked that my {$100.00} be allocated to my promotional plan. She advised that there was nothing she could do as they werent able to go back that far to move the money. She told me that if I pay my new minimum payment due plus the {$87.00} by the due date, it would pay my promotional plan off.
05/11/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NJ
08859
Web
Company XXXX XXXX, its a jewelry store. The bank credit card is Comenity Bank XXXX XXXX XXXX XXXX Ohio XXXX. I purchased in XX/XX/2019 a watch in their store in XXXX.I opened an account to get a promo of interest free for 6 months. My first due bill arrived mid XX/XX/2019. I do my online banking thru my bank to pay my bills. I sent them my payment right on time to be paid on the due date XX/XX/XXXX the amount of {$610.00}. When I received my next bill in XXXX, they charged me {$27.00} dollars late fee which I was not late paying them. I called them and explained to them that my bank told me that it was paid on time XX/XX/XXXX the due date and I have a proof of payment that they got my payment XX/XX/XXXX. The Credit card Comenity bank insist that they received my payment XX/XX/XXXX. Mind you the month of XXXX is short, I made sure they get the payment right on time XX/XX/XXXX. They are not very helpful, they are very abrupt and nasty. I even ask for the supervisor and shes the worst Person I ever spoke to. I even called the store in XXXX and spoke to the person I purchased the watch and she said shell look into it and she said the bank dont remove late fee once they applied it to your account. Im not late paying them, Im on time. I have a good credit line, I pay all my credits on time. I never have any issue with any credit card company. XXXX bill, I paid off all the balance of {$1000.00} and told them to close my account. XXXX bill, they sent me a bill of {$27.00}, which was the late fee they are charging me for XXXX, which I was not late paying them. I called them again and they told me to send them a proof of payment so I went to my bank physically and obtained a copy and sent it to the above PO Box address. They never respond .Now its XX/XX/2019, they send me another late fee and they multiply the {$27.00} so they claimed I owe them now {$54.00}. Mind you I paid everything and now they are after me for a {$27.00} late fee that I did not do. I called them again and they threatened me that they just keep multiplying the XXXX every month. What kind of bank is this? I was not late paying them. I was on time and my bank confirmed that they sent it on time .Its only XXXX but its the principle that Im fighting. Im a good customer, I always pay my bills on time and if its my mistake I will do whats right but I did nothing wrong. I paid them on time! Its a scam!!! They are trying to ruin my credit because of their mistake. Please help me solve this problem.. thank you.
08/15/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
FL
34787
Web
I recently applied for a XXXX XXXX XXXX/XXXX credit card and was approved. The card issuer is Commenity Capital Bank. On the XXXX XXXX website, and on the Commenity website where you can apply for a card, it was advertised that if you spend a certain amount either online or in a store, you will receive 0 % interest for a number of months depending on your purchase amount. I made a purchase online on X/XX/2017 in the amount of {$620.00}, which qualified me for 12 months 0 % financing if the balance is paid off within the time limit. On the XXXX XXXX website during the check out process, there was only the option to enter a credit card, and no way of being able to specify if you wanted to take advantage of a promotion. At this time, I assumed the promotion would take effect automatically, and followed the check out process as it was presented to me. Here I will note that when I received the credit card in the mail, the letter on which the card was attached also advertised this promotion if you made a purchase online or in store ( and a number of other stores that are owned by the same Corporation as XXXX XXXX ). I recently received my second statement from Commenity Capital Bank ( the card issuer ), and realized that I have been charge interest in the amount of {$12.00}. I called them on X/XX/2017 and was told that the store should have indicated that I wanted to use one of the promotions. I explained that I had made the purchase online and there was no option on the check out process to select a promotion. The person I spoke to said that there was. I checked at that time, and there is not an option. After several conversations, I was told the only resolution I have to file an official dispute with the credit card company to try and recoup my money and to be transferred to a promotional program. I am still working with the company to get this resolved. My complaint is in the advertising that Commenity Bank and XXXX XXXX use on their website and various other platforms that states you may participate in a promotional APR when you make a purchase ONLINE and in store. It became clear that they had no way of honoring a promotional balance if you make a purchase online, and automatically charge you interest. I do not know yet whether or not they will refund my interest charges and transfer me to a promotional program, I have to wait up to 60 days and continue to pay interest until they make a decision. My issue is with advertising and not honoring a promotion. Thank you.
01/25/2022
Yes
Checking or savings account
Savings account
Closing an account
Can't close your account
NY
14224
Web
I recently opened an online savings account with Comenity Direct, which I believe is associated with Comenity Capital Bank. An initial amount of {$250.00} was transferred from my XXXX XXXX checking account and received and posted on XX/XX/2022. After linking my checking account to the Comemity Direct account, an additional amount of {$30000.00} was transferred and received/posted on XX/XX/2022. The present account balance is {$30000.00}. Approximately XX/XX/2022. A letter was received from Comenity Direct indicating that a review of my account revealed potential security concerns and/or irregular activity causing a temporary suspension of the account. The letter stated that additional documentation was required and should be sent to the bank within 14 days. I complied and sent copies of the required documents. On XX/XX/2022 a product support representative, named XXXX messaged me indicating that the documents had been received and were to be forwarded for review. The review would be completed within 1-3 business days ( screenshot copy is attached ). I never received status of what was required. A second letter, dated XX/XX/2022, was received XX/XX/2022. It contained the same information and request stated in the first letter. I am experiencing difficulty with communicating with this financial institution by way of phone conversations and their website account messaging system. In addition, Comenity Direct removed the link of my checking account to the new saving account. I am now unable to transfer funds online. So, I have decided that I do not want to continue doing business with Comenity Direct. I made several phone calls and submitted several website messages directing the bank to close my account and return all funds back to my XXXX XXXX checking account. It was explained to me, by several representatives, that funds where on hold until XX/XX/2022. On XX/XX/2022, I called and spoke to a representative ( XXXX XXXX and once again requested the closure of the account and return of the total {$30000.00} to my XXXX XXXX account. The representative confirmed the appropriate required numbers associated with the checking account and then indicated that the funds would be returned within 1-3 business days. Also, I messaged the bank and requested confirmation asking for the dates when the account will be closed and when funds will be available in my checking account. As of this date the bank has not complied. I ask for assistance and help to recover these funds.
01/28/2019
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
ID
83642
Web
I had a couple of accounts with XXXX XXXX. I entered an arrangement with XXXX XXXX XXXX to consolidate my bills and make one monthly payment. The accounts with XXXX XXXX were included as a part of that consolidation. XXXX has refused to acknowledge my requests to stop calling me at work ( I've told them repeatedly I can not take these types of calls at work ) and continues to call and threaten me at work. Recently, they started also calling my ex-husband about my debt. We've been divorced for over 30 years, so I have no idea how they even got his number. I don't even have his number! On XX/XX/XXXX, I emailed XXXX XXXX and asked them to only contact me through written communications - either email or physical mail. On XX/XX/XXXX, they called me at work and also called my ex husband and left him a message about my debt. Today, XX/XX/XXXX, they left a message on my ex-husband 's phone, which he recorded and sent to me via XXXX messenger. Transcribed, the message reads as follows : " My name is XXXX XXXX and I'm with XXXX XXXX. XXXX, I've been asked to reach out to with with one last attempt to try and resolve this matter that you do have here with our bank. I would really like to have an opportunity to speak with you about the options that you do have, and it would be my pleasure to assist you. I definitely want to stop the escalations that are now coming. But in order for me to assist you, I need you to give me the courtesy of returning my call TODAY. My number is XXXX. My direct extension is XXXX. This matter is time sensitive and it requires an immediate response today. Without your response, the bank is now ready to take necessary steps and resolve the matter legally. And just to be fair, I should also advise you that the call has been documented as my attempt to assist you voluntarily. My number is XXXX. My extension is XXXX. '' This exact same message including the mispronunciation ( axed for asked ) was also left on my work voice mail today while I was in a meeting. My ex also told me via XXXX messenger that he has received repeated phone calls from them and that he blocks all the numbers from which they call. I don't dispute that I owe money to XXXX, but they absolutely have no right to call me at work after I've told them I can't take calls like that at work and they have NO RIGHT to contact a man from whom I've been divorced since XXXX to try to collect this debt, especially when they have also been informed of my arrangements for debt consolidation.
03/05/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
33015
Web
I was offered a Victoria Secret credit card ( Comenity Bank ) on XX/XX/XXXX. I did only one purchase of {$10.00} with the card. I got the first PAPER statement which was due on XX/XX/XXXX. I made the payment on XXXX XXXX at night before XXXX XXXX for the complete amount of {$10.00}. Late in XX/XX/XXXX I got a call from a collection company. The person on the phone told me I was on collection for not paying my Victoria Secret card. Thinking it was a fraud, I logged into my Victoria Secret Account to find out that I was certainty past due for the amount of {$56.00}. This were all late payments fees and interest fees on the late payments imposed to my account because according to them I paid late on XX/XX/XXXX. I called the credit card, the customer service representative explained that even though I paid the card on the due date XXXX XXXX my payment went through late on XXXX XXXX, because it was made after XXXX XXXX. Then they charged me late payments and interest on the late payments until they called me on XXXX. I never find out about this situation because the credit card send me no more paper statements. They said I was on paperless statements which I do not recall to have changed. Then all emails went to my spam folder. I asked for a waiver of the penalties and interest but they were reluctant. They never call me or send me another bill to me until I was more than 60 days late. Finally, I did not have other option that to paid the {$56.00} on XX/XX/XXXX ; but that was not enough for them. A late payment was reported on my credit history, the credit card appears as unpaid, and my credit score is down almost 90 points. This are the charges that appears on my account : XX/XX/XXXX {$10.00} ( original purchase ), XX/XX/XXXX {$10.00} Late Fee, XX/XX/XXXX {$10.00} Payment, XX/XX/XXXX {$2.00} Minimum Interest Charge XX/XX/XXXX {$12.00} Fee, XX/XX/XXXX {$2.00} Minimum Interest Charge, XX/XX/XXXX {$27.00} Late Fee, XX/XX/XXXX {$2.00} Minimum Interest Charge, XX/XX/XXXX {$56.00} Payment, I called the credit card three times, they are very rude and they not considered the customer at all, I explained them that I did not change my billing preference to paper statements and that I was a new customer. Nothing was important to them than to collect their money made on on late payments and interest fees, 100 % profit for the company. After I paid the bill and closed the credit card I got a paper statement with all the charges without me changing any billing preference.
11/08/2019
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Add-on products and services
RI
02889
Web
I had several store credit cards, all administered by Comenity Bank ( XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX, etc. ) On all of these cards for many years I opted into and paid fees for their " Credit Protector '' feature, a feature of which was in the event of involuntary unemployment my minimum payment would be forgiven, and if unemployment lasted longer than 2 months, the entire outstanding balance of the debt at the time of the claim would be forgiven.
I became unemployed XX/XX/XXXX after being continuously employed for the previous 5 years ( and paying for the credit protector service that entire 5 years as well ), my accounts were all in good standing at the time I became unemployed, and I immediately filed claims for all of my Comenity Bank cards where the " Credit Protector '' service was paid for. I remained involuntarily unemployed for a period of 6 months. Well in excess of the 2 months required for complete debt forgiveness under their advertised program, and provided the requested documentation twice. Comenity bank did forgive payments for one or two payments ... but after that, they did not forgive the debt as promised, and my accounts went into collections. When they called to collect, I explained that I had submitted a claim, and that the debt was supposed to have been forgiven at that point, but their collection people simply insisted on me paying them money which I did not have ( as I was still unemployed ) Comenity bank has destroyed my credit, and now the debts have been charged off and sold to outside collectors who continue to harass me seeking payment of debts that were supposed to be forgiven under the terms of the " Credit Protector '' agreement.
I have previously provided the following documentation to Comenity Bank on two occassions, with no acknowledgement that they ever received them.
I have attached the payment information for my final unemployment payment from the RI Department of Labor and Training, you can see the final payment was made on XX/XX/XXXX for the week ending XX/XX/XXXX and that the remaining balance on my claim at that time was {$0.00} meaning I had exhausted my entire 26 weeks of unemployment as of XX/XX/XXXX, which if you calculate back 26 weeks brings us to approximately XX/XX/XXXX which is when I became unemployed and filed my initial claim with Comenity Bank 's " Credit Protector '' service I have also included a copy of my separation letter verifying the date I became involuntarily unemployed.
09/14/2019
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account status incorrect
OH
45011
Web
I possess a XXXX store credit card from Comenity Bank. On XX/XX/2019 there was a fraudulent purchase made using my card information ( but not my card as I possess same ). I noted this within a matter of days and contacted Comenity Bank to notify them of the unauthorized transaction. The bank closed that account and issued a new card and had me complete paperwork to initiate an investigation. I was informed that I would not be responsible for paying that sum until and unless the investigation was complete and I were found liable. Despite this assurance, I soon received two statements from Comenity Bank, one for the new account, and one for the closed account under fraud investigation. Under the closed account it was stated that I had a minimum payment due of {$32.00} and demanding payment. As I had been informed not to pay this as I was not liable, I telephoned Comenity Bank to question this. I spoke to a representative ( which I audio recorded as my state is a one party consent state ) and questioned why I was having payment demanded of me for an issue still under investigation. I was informed that this was a mistake and that the statement should never have been issued to me. I was informed that payment was not due and I was not to pay it. However, I am now receiving notices from Credit Reporting Bureaus that I am delinquent on this payment. I telephoned Comenity Bank this evening, XX/XX/2019 ( and again recorded the call ) to ask why I was being listed as late in payments when I was specifically told that payment was not due and that I was not to make the payment. Comenity Bank states that I do not owe a payment as the investigation is still pending .... yet they have reported me as being delinquent in payment. I am greatly concerned as I have a credit score of XXXX as I am very careful with my credit and having a late or missed payment on my record is troubling. Especially troubling as, unless I am mistaken, it is unlawful for Comenity Bank to demand payment or list me as late on this payment while it is still under a fraud investigation. If this reflects negatively on my credit I will be seeking full reparations and punitive actions against Comenity Bank as I should not be reported as late or having missed a payment when this issue is under a pending fraud investigation for a purchase I did not make.
I do not still possess the old account credit card number ... but will provide the new card number later in this complaint for identification purposes.
03/04/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
FL
33322
Web
I made a payment on my sisters account once in XX/XX/2021, using my bank account and I did not click or authorized Comenity Bank to save my information now since then Comenity Bank have been charging me the payments she made using their automatic system and even though shes been asked to verify the bank account number shes using to make the payment and the system verifies the correct bank account Comenity Bank still charging me for her payments for the months of XXXX, XXXX and XXXX I called Comenity Bank and spoke to XXXX, who kept me on hold for more than 30 minutes to get a manager because she didnt know how to resolve the issue and at the end she never got the manager on the line, then all of the sudden the call got disconnected, we called back just get someone else and start all over again the representative didnt know how to delete my account from my sister Comenity bank account, he got a supervisor named XXXX also in the same office as the previous representative location ( XXXX XXXX ) and she didnt know either so she got a specialist in checking and savings accounts on the line named XXXX employee number XXXX in XXXX XXXX that didnt know how to resolve the issue as well, he was very unprofessional antagonizing me telling me I didnt need to be on the call because the issue was on my sisters account that I was insulting him all this because I asked to speak to his manager or to have his manager to call me back he refused and the solution that he provided was for my sister to make the monthly payment this time on the phone I asked XXXX to follow up the allowed time to check if the account was removed and give my sister a call back and he flat refused to do that, however my account still on my sisters account he didnt remove that information I was so irritated and aggravated after 2.5 hours on the phone and him antagonizing me telling me that I was been disrespectful that I called him XXXX, then he says see you are now disrespecting me and hang up the call all he was doing was trying to get a reason to disconnect the call because he didnt know how to resolve the issue, when the payment was made using the easy pay option I never authorized Comenity bank to save my information, my sisters account can be look up by her name XXXX XXXX phone number XXXX and mine is XXXX XXXX XXXX my phone number is XXXX Comenity Bank can access or look up the accounts with this information I want my bank account ending on XXXX completely remove from my sisters account
03/20/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
CA
93277
Web
I received a Victoria Secret credit card in early XXXX with a limit of {$250.00} with a minimum payment of {$28.00}. I typically carry a balance month to month which I pay down before another purchase. With my minimum payment required at {$28.00} I have always paid more, the majority of the payments being {$40.00} to get a good amount applied towards principle balance. I have even paid double payments of {$40.00} in a month multiple times. Never been late or exceeding my limit of {$250.00}. On XX/XX/XXXX I made a purchase for XXXX dollars and some change, as my account showed I had available credit of over {$110.00}. I was sent an email XX/XX/XXXX I had a secure message in my Victoria Secret card account, which stated my limit was being decreased to {$150.00}. Which is the reason my account is showing over use. On XX/XX/XXXX I recieved an email stating my billing statement was ready, while checking the statement I notice my minimum payment is showing {$35.00} instead of {$28.00}. I contacted the company the same day asking what was going on. The response I recieved was a standard response of reasons why these changes may have happened and was told to refer to the notice I recieved. On XX/XX/XXXX I informed Comenity I was not email or mailed any notice of a change in minimum payment only of a decrease in credit limit. I also stated I was under the impression that I was supposed to recieve a notice 45 days on advance of changes like that. The representative responded stating the minimum payment depends on the total balance and informs me each that paying over minimum payment would results in lower balance and lower minimum payment. My total balance at this point was {$180.00} after paying a payment of {$40.00} on XX/XX/XXXX, which is {$12.00} over my regular {$28.00} minimum. Yet they are attempting to increase my minimum payment due without notification to {$35.00} and after multiple attempts to address why I was not notified, the reps for Comenity continue to ignore any mention of need for 45 day notice and respond with multiple different excuses why this change is happening. On XXXX ( while I am still in contact with the company regarding the validity of the increase from {$28.00} to {$35.00} ) I received a secure message which stated on XX/XX/XXXX terms were changing and my minimum payment would change to {$38.00}. No where on this notice am I offered an opt out option, which unless I am mistaken should be sent along with any notice of this type.
02/21/2017
Yes
Credit card
Billing disputes
WA
98007
Web
XX/XX/XXXX This is the supporting information enclosed with the letter of dispute dated XX/XX/XXXX.
This charge of {$400.00} is invalid.
Here is the detail information of this incident : 1. In XX/XX/XXXX, I purchased a new, unlocked iphone from XXXX. ( Encl.1-A ) 2. I received an unsatisfied product because of the DISHONEST BUSINESS PRACTICE conducted by XXXX third party seller, Q1W. The phone I received is a pre-owned, locked by XXXX
3. I contacted XXXX to request a refund. But XXXX refused to offer any assistance stating because the order was fulfilled by third party seller, there is nothing they can do.
4. I began contact the seller for refund. The seller insists that it is a new phone. During the conversation, the seller even suggested " jail-breaking '' to make it work. I refused because a new phone does not need to jail-break, and it would potentially void the warranty. Furthermore, it indicates that the phone I received is not brand new ( The seller knew it. ).
5. In the meantime, I also filed dispute to XXXX ( now XXXX ) explaining all the details 6. With the help of XXXX, I have obtained a report that clearly shows this phone 's previous owner 's name and address. ( Encl. 1-B ) 7. I presented this evidence to the seller and XXXX. The seller finally agreed to offer a full refund.
8. I sent back the phone as per seller 's instruction and tracked the progress closely. I compiled a file listed all the actions I took during the process. ( Encl.1-C ).
9. The same timeline of the progress was also sent to XXXX for verification ( Encl. 1-C ) .The final notice # XXXX dated XX/XX/XXXX received. The charge of {$400.00} was removed based on the facts that the wrong product was sent to the customer and I have put my best efforts to return the product and have the wrong charge removed ( Encl.1-D ). Everything seems to work as it should be.
However, unfortunately ... ... ..
NewEgg, the original seller of this purchase, refused to provide any services to their customer in the first place. I, as a customer was forced to bypass NewEgg, to proceed the product return and refund on my own.
Worse yet, NewEgg later imposed a charge back against my PayPal account for the money they are absolutely not entitle to collect. And, and NewEgg suspended my account all together.
Based on the information provided above, it is crystal clear that the charge of {$400.00} is invalid. Under no circumstances, I should pay for the product/service that I do not receive.
11/17/2017
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
TX
76244
Web
I opened a XXXX Credit Card in XXXX XXXX to purchase two items for my children. I paid the total amount in full on XXXX XXXX, XXXX of {$270.00}. In XXXX I received a statement for {$27.00}. I paid that amount in full on XXXX XXXX, XXXX and called the XXXX Customer number to make sure they closed my account. I informed them I had shredded the card and would no longer be using it and to please be sure to closeout the account.
In XXXX of XXXX, after receiving several suspected debt collection calls, I ran my credit. Sure enough, balance owed to XXXX. I disputed it on XXXX and on XXXX XXXX received the results which came back with a status of, " updated. '' After disputing the amount with XXXX I finally received a statement from XXXX showing a balance owed of {$91.00} ( this has now gone up to {$120.00} ). These are the first statements I have received from XXXX since the {$27.00} statement in XXXX XXXX.
On XXXX XXXX I called the number on the back of the statement ( XXXX ) which connected me to XXXX XXXX. I explained my dispute and was given a different number for XXXX XXXX ( XXXX ). I called, was put on hold multiple times and finally spoke with someone. I was told that the {$27.00} statement sent in XXXX was late fees from the previous statement of {$270.00}. When I paid the balance in full on XXXX XXXX it was considered late as it was supposed to be paid on XXXX XXXX. I agreed, however I also paid the {$27.00} late fee amount on XXXX XXXX XXXX. After making that payment I called XXXX to close the account. I was then informed by the representative on the phone that after the {$27.00} payment there was an interest fee amount of {$9.00}. I asked for further explanation as I do n't understand how I could be charged interest after paying of the late fee amount and closing the account. I was told it was charged after making the payment of {$27.00}. I inquired further as to how I was able to call, speak to a XXXX Customer Service Representative, close my account and was never told I had a balance or how I was even allowed to close the account with a balance. The representatives response was plainly, " we will not remove these late fees you must pay in full or dispute the charge. '' I never received a statement for {$9.00} from XXXX. I was allowed to close my account and was never informed of a current balance. Had i known there was a balance of {$9.00} I would have paid it. Now {$9.00} has become {$120.00} and I truly do not feel I am at fault here.
03/15/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
VA
22181
Web
I went to XXXX on XXXX XXXX ( XX/XX/XXXX ) to make some purchases. Among the purchases was a pair of pants ( Store XXXX, Register XXXX, Transaction XXXX, Date : XX/XX/XXXX, Employee : XXXX XXXX, Cashier : XXXX ) that totaled {$45.00} after discounts ( XXXX XXXX XXXX XXXX XXXX ) that ended up being the incorrect size.
I returned to XXXX on XX/XX/XXXX to return the pants, and the employee, XXXX, told me that they did not have the pants in stock in the correct size, but she could order them for me. I agreed to order the pants in the correct size, and they were for the same amount, {$45.00} ( Store XXXX, Register XXXX, Transaction XXXX, Date : XX/XX/XXXX, Employee : House, Cashier : XXXX ).
The pants never came. At a later time in XXXX I think, I received a notice by mail indicating that the pants would not be coming. Since I was already charged for them on the XX/XX/XXXX receipt, I went to the store to get a refund. The employee stated that a refund for the pants would automatically be forthcoming because the way their system works is when there is an order that can not be fulfilled there is an automatic discount. Unfortunately, the employee kept the notice I received by mail so I no longer have a copy of it.
I received a credit card bill that included the amount of the pants that I already knew I would not received because I had received the notice to that effect. I called the XXXX credit card helpline because I was unwilling to pay for pants that I would not receive and, which XXXX staff had already told me I would be receiving a refund for. The credit card department said that there was something strange with the transaction and that all they could do at that time to prevent me from having to pay for the pants at the time my periodic bill was due was to dispute the charge, which I did.
I received a letter on XX/XX/XXXX informing me that the credit card issuing company, Comenity Bank was in receipt of my dispute, and that they would process it in accordance with their policies. On XX/XX/XXXX, I received a letter informing me that the result of the investigation was that I had never been charged for the pants, and, as a result, I was not due any credit for the charge. I have since been billed in the amount of {$45.00} for a pair of pants that I never received, and it is obvious just by looking at the receipt dated XX/XX/XXXX that I was charged, so the letter Comenity Bank sent me dated XX/XX/XXXX has clear factual misstatements therein.
01/23/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
CA
92808
Web
XX/XX/2021 XXXX XXXX XXXX and XXXX XXXX XXXX Alliance Data XXXX Loyalty Circle CoXXXX, OH XXXX Re : XXXX/Comenity Credit Card Account # XXXX XXXX XXXX XXXX Dear Mr. XXXX, On or about XX/XX/2021, I received an alert about an account delinquency from my credit monitoring service. I was informed that my payment for my XXXX/Comenity credit card was missed and reported XXXX to XXXX days past due. This was the first notification I received and immediately paid the entire amount due and brought my account current.
During these past months, our family has been impacted by COVID-19 both personally and financially. We've made every effort to stay current with our debt obligations and I have never been late with any payments as my credit reports show - in fact, I have never missed a payment in over 15 years. Regrettably, with all that is happening, I inadvertently failed to pay my XXXX/Comenity credit card by the due date, and made the payment after 30 days had elapsed. This was never my intention, but my mind was simply elsewhere with all the COVID-19 worries and stresses we've been recently dealing with. COVID-19 has brought our family too much agony and recent deaths.
Such reporting from XXXX/Comenity adversely impacted my credit rating and lowered my overall credit score in excess of 75 points. I have included copies of my credit reports from before and after the adverse reporting, which are dated XX/XX/2021 and XX/XX/2021, respectively.
As we all know, creditors and credit lines are our financial lifelines and absolutely necessary during all phases in our lives, especially now with so many families falling on hard times. Unfortunately, the information reported by XXXX/Comenity has a significant impact on my opportunities to solicit new credit lines or take advantage of refinancing my mortgage at a lower interest rate.
In light of the above, it is important that you know that I understand my financial obligations and responsibilities, and that I'm not trying to skip or ask for any debt forgiveness. I am simply asking that you please approve a onetime courtesy adjustment and delete/suppress the XXXX to XXXX days past due reported on my credit report. Your deletion/suppression will help me tremendously with restoring my credit worthiness and being able to secure new lines of credit. Thank you in advance for your understanding and consideration and am hopeful that you can assist with my request.
Sincerely, XXXX XXXX ( P ) XXXX ( E ) XXXX XXXX
04/27/2021
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account status incorrect
NJ
07840
Web
Dear CFPB, In XX/XX/XXXX, we began closing any credit lines ( store ) that we did not need as we were purchasing a new home.
We called Comenity Bank/XXXX to close the account.
We asked for full balance to close the account.
We made payment on XXXX-PAYMENT - THANK YOU -- {$420.00}.
We paid the full balance above and requested the account be " closed ''.
XXXX assessed a late payment in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with late fees charges and amounts.
We called XXXX. They apologized and issued a letter on XX/XX/XXXX stating my account was current and there should be no late fees reflected on my account or credit agencies. See below.
Nonetheless, my credit score has dropped 50 points right before we were buying a home and it significantly impacted our ability to buy the house via credit bureaus We lost the opportunity to buy the house. I am so upset and frustrated and want to report the behavior of this creditor and feel they owe me compensation for losing the house, ruining my credit history/score and taking significant time away from my job & career to fix this problem which is still showing as " late '' in the three bureaus -- Commenity Bank/JXXXX. What else can I do to fix my credit and file a complaint against this Bank. It is not fair and I do not have an power to fix this problem.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page 1 of 2 Send Correspondence To Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX All Bankruptcy Notices/Related Correspondence To XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Account Ending In : Dear XXXX, This letter contains important information regarding your J Crew credit card. Comenity Bank issues your XXXX XXXX credit card and we handle all account-related requests.
We understand there was a concern regarding your credit report, which reflected a delinquency in the month of XX/XX/XXXX on your XXXX XXXX account.
To address the concern, we have updated our records to show this particular month as current. We have notified the credit reporting agencies of the update that needs to be made to your credit report. Balances are subject to change and any updates will reflect on your credit report within 30-45 days.
We value you as a customer and apologize for any inconvenience this may have caused.
If you have further questions about your account, please contact the XXXX XXXX team, toll free, at XXXX ( TDD/TTY : XXXX ). We will be happy to help you.
Sincerely, Customer Care team
01/15/2022
Yes
Credit card or prepaid card
Store credit card
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
MI
48034
Web
When the pandemic first happened I contacted The Avenue credit card and Torrid 's credit card credit protection company Account Assure to notify them that I was laid off from my former employer due to Covid-19. I sent in my lay off letter from my employer which clearly outlined that I was laid off due to CV-19 and to file for unemployment benefits that would not be contested due to the pandemic. I also contacted The Avenue and Torrid to let them know that I was laid off due to CV-19 and requested my payments to be placed on hold until I received the approval from XXXX XXXX I was told by the CSR that my accounts would be put on hold for 2 months with no payments due because of the high volume of requests that XXXX XXXX was experiencing because of CV-19. In XXXX of 2020 I received a letter from Assure Assure stating that my payments would not be covered due to my former employer using the word furlough and lay-off interchangeably throughout the letter. XXXX XXXXXXXX stated that I was not experiencing a financial hardship due to my employer listing that I was furloughed in the letter. I explained to the representative that a furlough and a lay-off is the same exact thing by definition. I was told that the insurance coverage that I paid monthly for would not cover my payments. By this time I had missed payments on both of my accounts which are through Commenity Bank because the CSR I previously spoke with works for both The Avenue & Torrid never placed my accounts in a hold status. Due to the CSR not placing my accounts on hold ; Account Assure not covering my monthly payments and I had not received my unemployment benefits yet I have XXXX & 60 day late payments being reported on my credit report for my Torrid & The Avenue accounts. I also spoke with a supervisor at The Avenue & Torrid call center in the fall of 2020 after disputing the late payments with all 3 major credit bureas and was told to submit all documentation online. The supervisor stated my payments should have been covered by XXXX XXXXXXXX and the late payments would be removed. I submitted all documentation online as requested and the late payments were never removed from my credit reports. Instead I received a letter in the mail from both accounts stating that they have to report my payment history accurately to the credit bureaus and the late payments being reported would not be removed. Which is contradictory to what I was told by the supervisor I spoke with over the phone.
06/22/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
MA
02122
Web
HI Comenity Bank ; : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
06/20/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
94611
Web
Older American
I purchased two items at the XXXX XXXX XXXX store in XXXX XXXX on XX/XX/XXXX. One of the two items was returned within 30 days. The other, I kept. The kept item originally cost {$29.00}, but because I opened a credit card that day, was discounted by 15 % so that I ended up paying {$27.00}. Both items were charged to the new credit card. After returning the more costly of the two items, however, I decided to cancel the credit card. Unfortunately, I never received a bill for the charges, because the bill was sent to an old address ( in Missouri ) where I am not currently living -- due, as far as i can determine, to an error made by the store clerk who processed my application for the account. Long story short ... Because I never received a statement, had closed the account and returned the main item purchased on it, it completely slipped my mind that there remained a small outstanding charge ... until I received a call from Comenity bank ( who owns the XXXX XXXX credit card ) on XX/XX/XXXX, saying that I had a past due balance of {$92.00}. I was quite confused because I could n't recall anything I had purchased for that amount or anywhere near that amount. After some discussion, it became clear what had happened, and I paid them on the spot the {$27.00} I legitimately owed them. Now at dispute is a balance of {$100.00} they say I owe them in late charges, interest & misc fees. However, the statement ( attached ) indicates that I have been charged {$130.00} in interest, late fees and charges since the account was opened on XX/XX/XXXX. This is 476 % more than the cost of the single item I purchased, and these charges were levied over a 4 month period betweenXX/XX/XXXX and XX/XX/XXXX, the date of the bill I just received. That translates into a 1429 % effective annual rate. This seems patently absurd, and surely there must be some law against such outrageous charges. when I spoke with Comenity on the phone, I asked them to waive the late charges and fees and they declined to do so. I asked to speak to a supervisor. Although he/she did not come to the phone, a message was relayed to me saying that because i had closed the account, they could not or would not reverse any of the charges or fees. Please note that the attached statement is the ONLY statement that I ever received from Comenity, and it was received because I gave them my current address over the phone on XX/XX/XXXX at the time I paid them the {$27.00} that I legitimately owed them.
09/01/2021
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
PR
00605
Web
i was reviewing my credit reports for emplyment verification, credit denied fora essential product car for replacement transportation lost in car accident in XX/XX/XXXX and as a survivor of declared disasters XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and noticed that Comenity Bank XXXX XXXX falsely reported inaccurate information to my three credits reports agency, in the monthly terms covered by the CARES ACT AND following BILLs of the declared disasters and national emergency crisis, where mandated that missed payments should not be reported and no late fees charges applies. i was severe affected by XXXX, XXXX and their disruption that caused me lost all of my incomes, all my rights violations, lost of my employments, and future contracts, abuses behaviors against me, car accident with property loss, two involuntarily relocations, credit discrimination, housing discrimination, source of income discrimination, and victim of misleading and predatory acts of Banking Institutions such as XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Landlords XXXX XXXX & XXXX XXXX XXXX, falsely accusations from XXXX XXXX, XXXX XXXX and XXXX XXXX immediately neighbors and relatives of the Landlords of my home for 5 years from XX/XX/XXXX to XX/XX/XXXX that acted against my right to work, my privacy and intimacy and my right to self defense and defense of my home, myown safety and other rights violations that caused me a lot of damages and losses of my patrimony and effort for 23 years at that time, and lost of my belongings with the only purpose to steal my home property and the mortgage payment made for approximately {$150000.00} plus the payment of more than {$250000.00} in property repairs and replacement through the five years under abuses and stalked conduct from the neighbors to intimidated me to leave the property. I did not owed the inaccurate amount reported from XXXX XXXX, they under the cares acts and bills those charges do not proceed. i request an immediate fix of the inaccurate information reported it was affected me in my employment and credit verification and i have the right to privacy cover under the constitution, i was a survivor of the disasters and i was severely affected, i did not received any aid or sba help during XXXX and XXXX, neither under XXXX received nothing from sba they denied me the aids and the loans due to credit report and it is unequal treatment, and credit discrimination.
11/25/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MI
48504
Web
On or about XX/XX/2020, I received a call from payment solutions/collections with an offer to settle my past due balance and close the account as I have had so many problems with this account. On that day, I spoke with XXXX XXXX ( XXXX ) and came to the agreement of paying off my past due balance with the financial hardship help from Comenity Capital Bank ( hereafter Comenity ) via a program Comenity was offering for those hardest hit from the COVID-19 Pandemic and experiencing hardship. The settlement came down to the terms of paying an initial down payment of {$30.00} or {$35.00} over the phone with Ms. XXXX and subsequent payments of {$69.00} biweekly for 6 months as scheduled for automatic payments via XXXX XXXX from my banking institution. In return, Comenity would waive all accrued fees in the amount of some {$320.00} upon completion of the terms of agreement. All payments were satisfied on my end, however, Comenity failed to meet their end of the agreement. In XXXX, I received an email from Comenity/XXXX XXXX stating my statement was available. So I opened it, log in to Comenity 's XXXX XXXX portal, only to find a balance of {$320.00} remaining when in fact my account balance should be XXXX, as agreed. I called in to discuss these details with representatives but NOONE seem to know anything. I got tossed around in que for over an hour, still with no resolution. After speaking to a supervisor, I was tossed back to payment solutions because he rudely stated that he could see no notations and couldn't pull the call pretaining to the terms of agreement. Get back over to payment Solutions and the rep identifies the call record and notes, but her system went down which made her abilities to rectify the issue utterly useless to assist me further in this matter. The rep then tried to contact MsXXXX XXXX but the agent was reportedly not working on that day. I'm exhausted with Comenity as a creditor. It has not been a decent customer experience and I can not wait to satisfy my obligations with Comenity and be done with them and XXXX XXXX forever. I have yet to call back to try and find MsXXXX XXXX in hopes of resolving this problem as I ABSOLUTELY hate to call Comenity, it takes hours out of my day, and makes me feel ill. I have done as agreed between myself and Comenity, it is Comenity 's failure or breach in the agreement that " unwarrants '' harassing collection calls and an open account with Comenity Capital Bank/XXXX XXXXXXXX card.
10/04/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
60428
Web
Around XX/XX/2017, my XXXX account was behind. It is through Comenity bank. I contacted Comenity bank for my XXXX account, about making payment arrangements. XXXX XXXX XXXX, a Comenity bank representative for my XXXX account, arranged and set up a series of payments to come out of my account bi-weekly, which Comenity would later say never happened. Then there were continuous late fees throughout the process.
Then all of a sudden, my accounts through Comenity were closed, even those in good standing, when I asked for a reduction in total amounts owed on this XXXX account ... .and reporting on my credit report was changed to paid and in good standing. Then they were no longer listed on my credit report.
Six months later, the reporting starts up again, and begins reporting delinquency again. The balances are overinflated and totally unfamiliar to me.
How can I trust the accuracy of this banks billing process, when they could not even honor the agreement that I made with them ; first by denying that the agreement was ever established ( even though they were clearly withdrawing the arranged funds from my account biweekly ), then the continuous late and non payment fees that made the payments that I was making counterproductive to the process of working towards anything other than it being a means for me saying that I would like to do something? It was like I was being consumed by sharks and no matter how hard I tried, they were going in for the kill.
They are reporting figures that I dont have the means to pay monthly, without starving myself and my family to death and succumbing to a life of homelessness. All I asked for very early on, was a reasonable settlement of this account. But of course, they will say that they have no record of that. I can not pay all these years of late fees and penalties. Theyve already written the account off as a loss and have been paid by their insurance for it. Now they want to collect even more money, on the same account that theyve already recouped their losses for, at the expense of holding a credit score and/or lawsuit over my head? Really?
I no longer know whats what, as far as what I truly owe them. I would never recommend Comenity bank to anyone, because I DO NOT trust their practices. And they have no compassion for you as a human being, when crises arise in your life. Im not going to just give them whatever they say, for clothes that were already donated to charity, so very long ago.
06/26/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Can't close your account
CA
94103
Web
sent to BANK XXXX XXXX, XXXX Comenity Bank : Account XXXX was closed by me in XXXX XXXX within the 30 days given to do so, via a telephone call to the bank. Account XXXX was closed as the card is being discontinued and I received a XXXX XXXX XXXX to replace the XXXX XXXX XXXX I come to find the account was not closed till XXXX after I returned a statement explaining the account was closed. Simply sending the statement back with the words ACCOUNT IS CLOSED on the statement. I assume it was never closed when I initially called and closed the account in XXXX / XXXX XXXX to a XXXX XXXX XXXX representative @ XXXX When I log into my XXXX XXXX account online and it shows a {$0.00} balance for a card that was closed in XXXX XXXX ( see enclosed screen shot ) I assumed when looking at my account online my balance was {$0.00} as per your website never seeing a balance or additional charges. Why can I still log into a closed account from XXXX and not an account the bank shows me owing money? Also when I log in online should it not show me my latest account information not information from an account closed in XXXX? Really not sure whats going on at this point. So I can log into he bank and see info on an account thats closed but not and account that was closed in XXXX which according to the bank now has a {$250.00} balance. Then on XXXX XXXX XXXX I get a letter stating I owe {$210.00} for some type of membership fee ( but the card was closed in XXXX XXXX? ) per my phone call to the bank. Can you please make sure any account I have is closed and there is no balance on any accounts with Comenity Bank. I closed the account in XXXX XXXX to avoid the membership fee and somehow the card was never closed as requested. The card XXXX has not been used so no membership fee should be charged. I can not even log into Comenity Bank and view this fee and additional penalties and charges My online account takes me to the WRONG account information. When I visit : XXXX XXXX XXXX shows me {$0.00} balance evidently on a account # XXXX. Which apparently was an old closed account/card from XXXX. I can not log into any account XXXX. Thus I had no idea the account was not closed. I need to have access to current information in order to see that the bank has a error pertaining to my closed account. Thank you for taking care of this and I will need a letter stating the banks mistake and showing a {$0.00} balance. Thank you for your time and handling this. XXXX XXXX
10/31/2020
Yes
Credit card or prepaid card
Store credit card
Improper use of your report
Reporting company used your report improperly
WA
98027
Web
Hello, I noticed that Comenity Capital Bank had placed several inquiries on my credit reports in the last 12 months ( XXXX, XXXX, XXXX, XX/XX/2020 ), which I did not apply or show interest to open a credit card with them nor authorize them to pull my credit information.
And the most recent inquiry was a hard inquiry with prefix code ( XXXX ) on the XXXX credit report. I did not apply for the card or any other cards from Comenity Capital Bank.
I called the company Customer Care Department and spoke to the Account Protection team at XXXX PST on XX/XX/2020 to confirm no active/pending applications with my SSN. Then I requested them to correct the inquiry on my credit report, they refused and told me to contact the credit bureaus.
I found that Comenity Capital Bank is using my credit information in improper ways : 1. I did not give consent or submit an application to open their credit cards, how did they get my information? ; 2. They did not take responsibility to investigate further whether this is a fraud situation ; 3. I requested a way to stop using my personal information in the future, I was advised that there is no such policy in place ; 4. When I requested them to correct the hard inquiry, they refused to take responsibility - The Account Protection Rep was saying that they won't pull credit info without an application. I did not submit an application, if this is a fraud or someone is trying to submit the application on behalf of me, with my score is over 800, they should be able to open a new credit card account successfully. But, I only see new inquires from Comenity Capital Bank and no new accounts are opened. So logically speaking, this is more like Comenity Capital Bank just pulls my credit information in the last 12 months for marking purposes or for preapproval applications instead of identifying theft. It doesn't align with what their Account Protection Rep claimed that they will not pull my credit info without an application. They are trying to get more business and using my information in an improper way but refused to take responsibility to correct it.
I suspect that Comenity Capital Bank has used my personal information for marketing purposes in an improper way. When I tried to look for further information, their reps just not educated enough to provide me any satisfied or factual answers. All I was told is to contact the credit bureaus directly, one by one, to find out and investigate the situations.
08/31/2020
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
NY
10031
Web
Due to the pandemic, I have temporarily stayed w/ friends outside XXXX area and wasn't able to collect any physical mail from my residence for the whole months of XXXX. This specific credit card had {$0.00} balance but due to an annual membership they charged me during one of these months, I was not aware of any balances, resulting in a late charge fees and interest rate charges. I paid the annual membership amount, and sent this credit card company an email to please waive the late payment fee, due to COVID -19 challenges, but they refuse to. No sure what else to do, if I can not afford to pay these late fees. See email history. How can i get them to help me during this hard times.
From : Comenity Bank Sent : Monday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your Mastercard account. I'm happy to help you today. The late fee charged to your account is correct. We charge late fees when the full minimum payment is not received by the posted cut off time on your scheduled due date. We've already credited a one-time late fee to your account. On XX/XX/XXXX, your account was credited {$27.00} as a one-time courtesy. Your account is not eligible for another credit at this time. Here 's how to avoid late fees in the future. We suggest that you mail your full minimum payment to us at least seven calendar days before your due date to avoid a late fee. You can also pay by phone or online. As of today, your account balance is {$140.00}, and your minimum payment of {$38.00} is due on XX/XX/XXXX. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- This is a request for a a late payment waiver and its corresponding interests : Due to this annual membership, it automatically was placed on this card, but due to pandemic, I was temporarily out of my current residence ( XXXX XXXX XXXX ) and unable to receive my correspondence by mail. I am hoping you can waive the late payment and its interests incurred during the month of XX/XX/XXXX. Thank you for your consideration and understanding during this time of uncertainty. P.S Note that a payment for annual membership for the amount of {$110.00} has been submitted on today 's date thru XXXX account and should be reflected on your system by XX/XX/XXXX XXXX, XXXX
01/21/2020
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
CA
95610
Web
At approximately XXXX XXXX PCT on XX/XX/2020 I received the following voice message : " Hello this message is intended for ( myself ). ( myself ) this is in regards to ( consumer ). ( Myself ) if you'll please relay this message to ( consumer ) my name is Mr.XXXX and I need ( consumer ) to contact me here today so we can discuss the situation and options in reference to XXXX XXXX XXXX here with XXXX XXXX. If I don't hear back from ( consumer ) today I'll have to assume he has no intentions of voluntarily resolving this is matter. I'll be in my office today until XXXX CST and I need ( consumer ) to contact me at XXXX extension XXXX. '' When returning the voice message to the referenced number, I spoke with a man name XXXX. He would not confirm nor deny this is a debt collection which clearly in the voicemail this implies some type of legality. I then asked to be transferred to Mr. XXXX. I addressed that the voicemail was inappropriate and the call was in violation of 1692b. Mr.XXXX then became irritate and I asked to speak to a supervisor on 3-4 separate occasions with him repeatably asking if I wished to be taken off the contact list for ( consumer ). When speaking to the XXXX ( employee number XXXX ) the supervisor I relayed my concern and she urged me to be taken off the contact list and I said no, I do not wish to be taken off. She proceeded to tell me since I " threatened '' illegal action on the businesses part she was taking me off as the contact. I asked to file a complaint. XXXX proceeded to tell me she was filing the complaint and was getting ready to terminate the call when I insisted I wanted a reference number for the following complaint. XXXX proceeded to ask why I wanted to file a complaint and I said in reference to the FDCPA 1692 and relaying unneeded information to a third party voicemail. I then stated this would go to his supervisor and I would not receive communication on the matter. I asked XXXX if she was indeed his supervisor, which I requested to be transferred too, she confirmed she was an account supervisor but not Mr.XXXX supervisor. I asked for her name and the representatives name I previously spoke with and she relayed XXXX. I asked if I could receive information on this and she denied the request. I was repeatedly asked the same questions over and over. Do I know the consumer, can I relay the message to the consumer, am I the consumers wife. I did not confirm my relationship with the consumer.
06/28/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt is not yours
MA
02124
Web
Hi ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
08/21/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
34689
Web
Servicemember
On XX/XX/XXXX, I placed a call to XXXX XXXX credit card customer service requesting to change my address on file to other address. Being that I had XXXX and currently is hospitalized. My address change request was to assure bills were received to a family member. The family member would bring bills to hospital so they can be paid. However, I never received a bill so I would log on trying to remember what day the bill was due since I got no bill sent to my family members house. Today XX/XX/XXXX, I noticed I still have not received a bill again. So I log on to pay the bill. I called customer service explaining Ive called previously on XX/XX/XXXX to change address. At this time I was advised it was not changed so the representative proceeded to update the address. I asked for late fee to be waived being that I never got the bill. I was advised nothing can be done because there is no record of my calling. However, I know for a fact that I called in and spoke with someone who was sympathetic about my XXXX and even said she knew someone who had the same XXXX. I asked to speak with a supervisor today. She pretty much called me a lier saying I did not call from my phone number and record of me calling. As I stated to her just because your company does not show I didnt call from my cell phone doesnt mean I didnt call. Its not my fault as a customer your representative did not do their job.
I asked to speak with a XXXX. I spoke with someone named XXXX. I explained the situation to him all over again. I also explained to him that as a company you have an obligation to ensure you are sending your customers bills in order for them to be able to pay the bill. However, the practices that are being used are unethical. I asked him that I would file a complaint with the consumer finance protection bureau based on the situation and how I am being treated.
I asked XXXX if I could speak with another XXXX. XXXX placed me on hold and came back stating the other XXXX said XXXX. However, I asked to speak with the XXXX ; I did not ask XXXX to relay messages back in forth. During the conversation, XXXX then start to cut me off while I was speaking instead of listening to what I was saying. Its sad and unbelievable that customers get treated like this when they have a medical issue that requires immediate attention. This is not how you treat your customers. I will be telling all my friends, family, people on social media about my situation today
07/22/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OH
45242
Web
I opened a credit card through XXXXXXXX XXXX in XX/XX/XXXX that was originally through a credit union. In the XX/XX/XXXX, that credit was sold to XXXX XXXX. In XX/XX/XXXX, I received a letter that the check with payment that was sent had the wrong account number on it and a late fee had been charged to my account. I thought I may have typed the wrong account number in when I provided the information to my personal bank ( I pay bills through my account and they sent checks on my behalf. ) So next time, I looked at the statement from XXXX and made sure the account number I was providing was correct. I received these letters each month XXXX-XXXX, but unfortunately, was dealing with other personal things and had not called them to get this resolved. I took a look at the image voided checks and noticed that the account number that the bank prints did look like it was cut off where it's printed at the top ( leaving off the last 4 numbers of the account ) but there is a complete number in the memo line, which must have been ignored by whoever was processing my payments at XXXX. I called and spoke with someone in customer service at XXXX in early XX/XX/XXXX about getting these fees ( and subsequent interest that was charged on the fees ) removed from my account, as the correct account number was on the checks I provided and the fact that the person at XXXX didn't look closely at the check when it was receive isn't my fault. She said she would submit a request and I should see what will be refunded on my next statement. I look at my next statement in early XXXX and saw nothing about this. In XX/XX/XXXX, I received a letter from XXXX ( dated XX/XX/XXXX ) saying " you asked about a late fee that was applied to your XXXXXXXX XXXX credit card account. A late fee may be charged to your account when the minimum payment due is not received by the scheduled due date. Because this requirement was not met, we are unwilling to remove the late fees from you account. '' All of my payments were scheduled with my bank to be received by XXXX BEFORE the due date of the payment. The only reason these payments were " late '' was because they are claiming I didn't provide a valid account number ( of which I have proof that I did ) and they weren't able to apply the payment to my account on time. I have nearly {$400.00} in late fees/interest charges on late fees that was incurred simply because the recipient of the check didn't look at the memo line.
03/17/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
MA
02136
Web
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
05/10/2018
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
CO
81301
Web
I am the merchant in this complaint. The bank offered my client a 12 month ( same as cash ) line of credit to make a purchase. The client made the purchase in XX/XX/XXXX. At the end of the 12 month term, the client was charged fees and interest by Alliance Data. Over the course of the next several months, the client disputed it with Alliance Data and called us to find out if there is anything we can do. Alliance data contacted us and asked for the client 's signed CBC receipt. We did not have it since the request came approx. 23 months after the receipt was signed. Alliance Data communicated that if we did not provide the signed CBC receipt that the I ( merchant ) could be responsible for any monies due. I read the Terms and Conditions that I originally signed and it did not state that we needed to keep this signed receipt for 18 months after the term was completed. I disputed this with Alliance Data and they responded with a Bank Operating Procedures document that was never provided to me that contains more detail and additional terms and conditions. The last communication was from me via email on XX/XX/XXXXstating that I do not have the signed CBC receipt. No communication was received from Alliance Data after I sent that email. On XX/XX/XXXX, Alliance Data debited my business checking acct {$6100.00}. Still to date, I have received no information regarding what this is for, why this amount, or any means to provide a rebuttal. My complaint is two fold - Alliance Data 's T & C 's contain no specificity. If I knew I had to retain documents for 30 months from signature, I would do so. Plus, this Bank Operating Procedure document that was provided after the fact should be part of the T & C 's I signed and should not be a separate document. My second complaint is Alliance Data 's failure to provide any supporting documentation as to what the {$6100.00} that was debited from my account is for? Their rebuttal process, dispute resolution process and dispute management is non-existent. In the past, if I receive a charge back from a credit card, there are clear procedures on what is being disputed and how to resolve it.
Lastly, the client states that have paid the balance and has provided me documentation to prove this. Alliance Data has not provided any documentation so I don't have a means to reconcile this issue and have to " trust '' that Alliance Data is correct. I can provide client records showing payment if needed.
04/14/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
SC
29073
Web
I opened up a XXXX XXXX credit card, financed by Comenity Bank in XXXX of 2020.
The intent was to purchase furnishings for my new home. I purchased a bedroom set with the card in XXXX, and XXXXXX/XX/XXXX charged my card for the full amount, however I never received the goods. It took me 4 months to get a credit back to my account for goods that I never received. A XX/XX/XXXX telemarketer input false information about my account, stating that I received the bedroom set, and the headboard was damaged and I was waiting on a replacement- this was all fabricated lies. I never received ANY furniture from XXXX XX/XX/XXXX. After numerous phone calls and wait times and hold times to be transferred to supervisors - I finally got a supervisor who apologized to me and promised me a XXXX XX/XX/XXXX gift card on XX/XX/XXXX for all of the problems I experienced. So I tried again to order another bedroom set. This time the order was to be arriving in one month- but by end of XXXX the representative told me the order would not get to me until XXXX. Again I tried to cancel this second order- and was put on hold - ( on XX/XX/XXXX ) and Supervisor was very rude- said I can not get the credit back and when I asked about the Gift Card- She said I was not getting anything - I asked but 'what about all the problems I have had and the fact that the Customer is always right ' / and the Supervisor replied back ' Not in Your Case '!! After being verbally abused by XX/XX/XXXXteleworkers- I decided to pay off my balance and close my account- This account was paid off to zero on XX/XX/2020.
So yesterday- XXXX XXXX I get a bill - from pottery barn for XXXX they decided to charge me several late fees - from just one months time- and they actually duplicate these fees on a closed account- when I called yesterday at XXXX the supervisor said she cant reimburse me the XXXX because the account is closed?? She told me the payment I made was one day late- so I got charged these fees. This is absolutely ludicrous and fraudulent and price-gauging!!!! I just want my account back toXX/XX/XXXX- I never ever ever want to deal with XX/XX/XXXX or Comenity bank ever again. - As a matter of fact, I received a customer service call from XX/XX/XXXX one week after I closed the account and I told her why I closed it. She said she was sorry to hear about my experiences- so this is how they take care of customers- by adding on another bill of false late fee charges -
11/18/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MA
02301
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
01/18/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
OH
44903
Web
I paid my bill by check on XXXX. Payment was credited once on my statement, but debited electronically from my checking account twice ( XXXX ). On XXXX, my checking account was credited XXXX. That would have been the end of it, but then XXXX presented the actual paper check on XXXX. Repeated calls to XXXX to check my transactions were met with " we do not show a transaction for XXXX at all on XXXX. '' I spent many hours with XXXX bank trying to straighten out what appeared to be their error. Corporate XXXX was of little assistance, as they gave little or no details, just kept saying I had to straighten it out with the merchant. Once my local bankers explained how payments are processed ( electronically vs. paper ), I could see it was XXXX that was the problem. Each time I call Comenity I get a different person. On XXXX XXXX XXXX XXXX told me to have XXXX fax over supporting documents and request that my account be credited for XXXX. I immediately had that accomplished, and heard nothing. One document that XXXX provided showed the two debits to my account on XXXX and two credits the same day. The second credit did not go through, as indicated by an icon next to it. XXXX XXXX XXXX on XXXX said that XXXX was requesting " unedited '' bank statements. Her comment was " What do they need that for, this is cut and dried. We owe you XXXX. '' She said that with the weekend and the XXXX holiday, it might take until XXXX to get it fixed. Today, XXXX, I get 2 envelopes from XXXX, both containing the exact same letter requesting unedited bank statements. Is n't that odd? They duplicated the letters just like they duplicated taking money out of my account! I called XXXX again at XXXX XXXX. I believe it was XXXX this time. After explaining the whole saga again, he said this was above his level, please hold for a supervisor. After several minutes, he came on again to let me know he was n't ignoring me, just waiting for a supervisor to pick up. Back on hold for a minute and then the call was cut off. I do n't know if XXXX was hacked, but them sending my paper check through 5 weeks after receiving it seems scammy. I have been exceedingly patient up until this point, but have spent WAY too many hours of my precious personal time taking care of and being upset by their incompetence, let alone being lied to. I was fortunate enough to have had a buffer in my account or this would be worse. I now need that buffer money to pay bills.
11/10/2021
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
MD
21801
Web
I opened up an account with XXXX and XXXX. At the time I was approved as I have been by 6 other companies and My credit score was In the High 700s when I did. Okay I have a son so I added my wife to the accounts as an authorized user being I am always busy at times and be working 13-15 hours some days. The cards come in the mail I take my son shopping maybe twice but one particular day I took my grandkids shopping and poof Im holding the line up and humiliated that cashier states did you pay your bill I said sir Its not time for my bill I am a new customer. Well I was told at the register my card may have been closed but he asked me to call them and I did that after I paid for my items using a different card. While on the phone with customer service she tells me my account has been closed and she couldnt disclose a reason so I immediately filed a complaint with the better business bureau and Comenity bank said they would definitely send something In the mail and they did and there claiming they closed my account for to many inquiries which are Lies. The only inquiry I had was two credit cards at the time and an approval to purchase a home and one of the extra cards I later found out was from XXXX which was closed and issued by the same bank Comenity bank. Now Im finding this fishy after I realized my wife had identity theft that caused her to become bankrupt at one point she got back on track with her credit and applied for a Victorias Secret credit card whom was issued also at Comenity bank. While she was a customer every time we went into that store she always had to get on the phone because immediately there cashier would say its displaying some message and would contact Comenity bank and she would have to get on the phone at the store to have her card restored weird but yes she did. Anyway my wife paid her account off and went to shop in the store for the last time to find out her card had been cancelled w/o notice she called they did in fact not give her a reason and she just let It go all together. But I cant because this isnt sitting well with me when I have never had this problem with any other bank but all of a sudden I add her on my account and my account is cancelled and all they can say is to many Inquiries and this is damaging as I spoke to my realtor about this. I feel DISCRIMINATED AGAINST BY COMENITY BANK. Please direct me in the right direction as to how is this possible and what can be done!
03/04/2021
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
NJ
08638
Web
Servicemember
On XX/XX/2021, one of my creditors, Comenity BankXXXX, submitted an unauthorized payment in the amount of {$33.00} to my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ). I never authorized Comentiy BankXXXX to submit that payment on my behalf. I did not have that amount of money in my XXXX checking account when the payment was submitted, thus XXXX levied a {$30.00} Return Item Fee - ACH on my account, which rendered me with a negative checking account balance.
So, on the evening of XX/XX/2021, I called Comenity BankXXXX to inquire about the unauthorized payment. After being transferred amongst representatives, and being placed on extended holds, their best option was to remove my online Comenity Bank/XXXX account, then recreate it. They suggested that my account may have been breached by a family member, or that an authorized account user submitted that payment. I do not have any authorized users on my Comenity Bank/XXXX account, and none of my family members has access to my online account or bank information.
Additionally, I tried unsuccessfully to login to my Comenity Bank/XXXX account on Friday, XX/XX/2021, and then again on Wednesday, XX/XX/2021, but I was locked out. My username and password combinations did not work. I tried to use their automated system to reset my password, but it did not recognize my username. Interestingly, my username was valid because one of the Comenity Bank/XXXX representatives stated to me that it was correct. Consequently, I was never able to log into my account again to see when and where the payments were being setup.
Then, the Comenity Bank/XXXX representatives suggested to me that I was enrolled in their Hardship Program because I was late on my payments. I do not recall enrolling into their Hardship Program, and I definitely did not schedule an automatic payment for XX/XX/XXXX.
Today, XX/XX/2021, I received another {$30.00} Return Item Fee - ACH from XXXX, because another Comenity BankXXXX payment was attempted. This action has pushed my checking account further negative. In addition, I do not recall any past attempts to collect funds during consecutive days - there normally exists a several days gap before payments are attempted to be deducted from my bank account.
Ultimately, I want to recoup any all fees and/or fines that may be levied against Comenity Bank/XXXX and XXXX XXXX XXXX XXXX XXXX I will be submitting a separate complaint against XXXX XXXX XXXX XXXX XXXX
10/30/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Unexpected increase in interest rate
OH
43081
Web
On XX/XX/XXXX I opened an XXXXXXXX XXXX XXXX credit card. The lending company for this card was XXXX XXXX XXXX. The consultant 's name at XXXXXXXX XXXX was XXXX XXXX. During my consultation with XXXX, I was told the procedure would cost {$4800.00} and under the promotional credit plan, I would not accrue interest for the life of the loan. If however, I was late with a minimum payment, she stated I would begin to accrue interest at that time. The only documentation I got from her was a copy of my credit application.
From XX/XX/XXXX to XX/XX/XXXX, I faithfully made " on time payments '', always over the minimum amount due, and made sure I wasn't late as to avoid interest charges. However, on XX/XX/XXXX I was charged accrued interest in the amount of {$1600.00}. I called XXXX XXXX to inquire as to why I have this charge and was told I didn't pay off my promotional plan by it's due date and that they had closed all accounts related to XXXX XXXX ( reasons which could not be discussed with me ). Because I did not have anything in writing from XXXX XXXX, I had no proof of our verbal conservation. At that time I reviewed my online statements and credit agreement to find in tiny writing that I needed to pay entire balance by XX/XX/XXXX. During XX/XX/XXXX, I paid off my account in full with the exception of more additional interest charges after my statement date. In XX/XX/XXXX my balance was {$51.00} which I paid in full on XX/XX/XXXX, a day late, and was charged {$29.00} late fee. I again called XXXX to inquire about a late fee on a XXXX balance and was told since the account " XXXXXXXX XXXX '' is closed they can't reverse the charge. I am someone who is meticulous in paying bills and has never been previously late on a payment with XXXX but somehow they don't see it appropriate to waive this charge and would not help to resolve the accrued interest problem. This is poor business etiquette and unfair to an unsuspecting consumer. I would not & will not ever recommend this bank to any of my friends or family. I have other credit cards that have a promotional ending date but each time I go to make a payment, I'm clearly alerted of my promotional end date. Can this be something XXXX XXXX can add to their lending practice? Can XXXX change a policy that would give a 3 day grace period to make a late payment? Can they routinely send alerts to customers of changes in an agreement? Just a few suggestions for improvement.
11/24/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
IL
60016
Web
A couple of years ago, I was making purchases on the Wayfair site, and was offered a Wayfair credit card. I accepted the offer, and opened an account. Recently, I was advised by Comenity ( the bank that facilitated the account ) that the account was being converted from a Wayfair-specific account to a general purpose Mastercard. I received the new card, activated it, and used it for a couple of online purchases. I paid the balance in full.
When checking the account via their online portal, it reflected a XXXX balance, with a credit limit of {$3500.00}, but the available credit reflected {$0.00}. I submitted an inquiry via their secure mailbox on the site on XX/XX/2020. I received a response on XX/XX/2020 advising me that the account is " temporarily suspended '', and that I would need to call a toll free number to get further assistance. Upon calling the number, I was prompted to indicate whether or not I was over fifty years old ( yes or no were the only options - no other opportunity was presented ). When I indicated yes, I was connected to what I initially thought was a live person ( there was a pause for me to respond to a question regarding the connection ), but soon realized it was an automated recording of a pitch for a " free '' medical alert button. It went on in great detail as to how expensive these buttons could be. I soon disconnected the call ( not being interested in the sales pitch ), and attempted to redial the toll free number. Each of the subsequent three attempts resulted in a failure to connect ( I received a message that " the number you have dialed is not available from your calling area '' ).
I went back to the secure message service on the Comenity website, and responded with the results of my attempt to contact them via the toll free number previously provided ( this message was sent on XX/XX/2020 ). I expressed my concern that this " temporary suspension '' was simply a ploy to sell me additional unwanted services.
I advised that if I did not receive an update on the status of my account, that I would be filing a complaint with the CFPB.
Today ( XX/XX/2020 ), I received another response via the secure message service that was pretty much identical to the initial response, and it stated that I needed to call the same toll free number.
I am concerned that this particular institution is attempting to take advantage of potentially less financially savvy older customers.
01/07/2019
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with rewards from credit card
FL
33175
Web
My wife and I decided to open up a XXXX XXXX credit card. The main incentive and motivation to open a credit card was the rewards program that would assist us in purchasing items for our new home. On XX/XX/2018, we purchased various furniture and fixture items for our house totaling {$2900.00} before taxes and shipping fees ( see attached ). The promotion that store marketed to us was any purchased made through the XXXX XXXX weekend ending on XX/XX/2018 was eligible for double points.
The issued occurred when the purchase of the dining room table and recliner was not charged on our credit card until after the promotional period. Their system could not recognize that the purchase was made within the promotional period and applied the points as if we had made the purchase on XX/XX/2018, the date of shipment, which is outside the promotional period. As a result, we lost out of {$170.00} worth of rewards dollars we were entitled to per the credit card and promotion agreement.
After dealing with the store and corporate, they acknowledged that a mistake was made that should be correct but they indicated that we must go through the third-party credit card provider, XXXX XXXX, to correct the issue. The credit card company said they can not control or have insight to promotions by the store and correcting the application of rewards dollars.
After going back and forth for two months getting nowhere, I finally requested to speak with a supervisor from XXXX XXXX. The supervisor indicated that there was no way I will ever be re-credited the misapplied rewards dollars cause no one has the power to do so. I then requested that I close my account because both XXXX XXXX and XXXX XXXX breached the terms of the promotional and credit card agreement and that I was mislead.
The account was closed on XX/XX/2018. On XX/XX/20018, XXXX XXXX sent a letter ( attached ) indicating that based on their investigation that they will re-issued the XXXX points that should have been applied in the first place. However, because my account was closed based on what the supervisor told me, I can no longer utilize the rewards dollar. When I asked the bank how I can use the rewards dollars, the bank just said that they will use my feedback to improve customer experience.
The way I been treated should be taken note by anyone who plans on doing business with XXXX XXXX and their subsidiaries. I hope my issue can be resolved promptly.
11/18/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MA
02301
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
09/27/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
32810
Web
Comenity-victorias Secret credit card. My first payment due date was on XX/XX/XXXX. I paid my balance, total payment of {$65.00} on XX/XX/XXXX. I didnt receive any mail from comenity bank only coupons from victorias Secret until the XX/XX/XXXX I received a phone call from comenity bank asking me to make a minimum payment of {$38.00}, so I asked Mr. XXXX ( the manager ) what he is talking about because I pay off my whole balance, and I had never use my credit card, ( my balance was from the date I opened the account at the store ). And he said I had a balance of {$38.00} plus late payments and interest. I spoke to him for over an hour and he said I had to make a payment or my bill will be over {$100.00}, he couldnt do anything for me, He said I have to make my minimum payment and after that date he will put another charge of {$38.00}, we didnt have any agreements, I request my credit card statement because I didnt get one for over 2 months. He did send me one with {$28.00} late fee plus {$2.00} interest plus {$33.00} late fee and {$2.00} interest plus {$38.00}, {$38.00} my balance was now over {$90.00}. On XX/XX/XXXX I have another phone call from comenity bank to make a minimum payment of {$38.00}, I explained To the girl I dont owe them any money and explained to her everything and she just keep asking for {$38.00} and after midnight she will put another charge on my account. Several times I spoke to comenity bank managers and they just try to force me to make a payment of {$38.00}. At the end of XX/XX/XXXX I spoke to another manager she said she will reduce my payment to {$60.00} for me to pay my bill my husband was going to pay {$60.00} I was not agreed with that but I didnt want to deal with comenity bank anymore, but the manager tried to collect {$60.00} and she said she will add another {$38.00} late fee after the payment, so I refused to made the {$60.00} payment. Finally on XX/XX/XXXX, I spoke to another manager name XXXX, I told her what I had been going thru and I told her I agreed to pay the {$38.00} charge to get over this nightmare and she apologized for everything I had going thru and she took my payment and I requested a copy of my future statement with {$0.00} balance. Comenity bank affected my credit score with false fees, late fees, interest and bad managers that they couldnt explained me from where the fees come from. Also, they lower my credit card credit limited to {$150.00}.
09/30/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CO
80550
Web
I had multiple miscommunications with the phone staff at Comenity Bank. After being directed to XXXX XXXX site from Comenity I was finally able to set up payment and was told it was set up on automatic payment after calling in on the next statement to find out why a payment wasnt being processed. At that time, I was buying a house and the lender made paying off the line of credit a condition of the loan file closing so we ordered pay off information and the amount given was a just under {$5.00} short of the actual balance. Without knowing it, I began incurring late fees and I had multiple calls where I asked for more information ( the payment collectors had none and the customer service reps couldnt explain what happened- at one point getting two different amounts from two different people in the same call. ) All of these calls left with unresolved problems until my time ( usually over an hour ) ran out and I had move on and start over the next time I had a signficant amount of time to call. At this point, my promotional period expired. This incorrect pay off amount had left a final bill of {$560.00} by the time I was able to sit down and insist on answers and an explanation of what happened. Multiple miscommunications are clearly documented in the call logs and the financials clearly indicate an attempt to pay this off and settle it multiple times. At no point, did I not have the money to pay for this but I wanted to know what I was being charged and why. The company also said on multiple calls " Technically our phone staff doesn't have to provide all the correct information because we mail you your statement which outlines it all '' They need to provide better payment systems, clearer information, and better trained staff. These payment collectors and call center reps know exactly how to listen, brush off, pass off, and confuse a person looking for answers until the person is so exhausted they just pay.
It is my firm belief that my records illustrate a clear intent by this company to have complicated payment systems and poor communication in order to delay their no interest promotions outside their payment period so that they can recoup the 29.99 % interest.
This issue has effected my finances greatly as I leverage my credit heavily for my business and my personal investments. I have reached out to Comenity Bank and XXXX XXXX on every survey available and every customer service department.
04/24/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TN
37066
Web
on XX/XX/2020 i called Comentiy Bank which partners with Victoria Secret to pay my Pink card ( credit card ) bill. Previous to me paying this bill i called in let them know on my last bill cycle that i was out of a job due to the covid-19 epidemic and the extra late fee i could not pay and the charge to process my card should be wave because i was still trying to make a payment in-spite of the situation. i told them that i would probably be a couple days late because i was using my savings to pay bills and i would have to get all of my main house bills out the way first because i have XXXX children that lives with me and i cant do without. The respond was we will not charge you these fee we understand the situation that you are in. i thanked them and the called ended. i call back on the XXXX of XXXX and things changed. my bill was due on the XXXX of XXXX and i was 3 days late but i want to pay them to stay ahead of my bills. i talked to the rep. about the late charge and she transferred me to someone she said that could help wave the fee be the person that i talked to said there was nothing that she could do i explained the situation and what was told to me and still they said that they couldn't do anything about it. i had to pay a XXXX dollar late fee and a XXXX processing fee on a XXXX bill in the end i payed XXXX to try to stay ahead of the bill and the late fees i payed more then i had to spare. so in the end of me paying the money only XXXX went towards my initial balance. on the next payment i will have another late fee and process because in till i can go back to work i will be late paying my bills because i can only pay out what i have. trying to move money around the best way that i can right now. they offered to lower my payment with the program that they are offering to those who need relief during these time but it would not help me to lower my payments if the company is still charging the late fees and the process fee it will hurt me because non of the money will be going to the balance that i owe. to me this bank is trying to keep people in debt not help them get out of it. using this time to get over on people who need help promising false promises of relief and do not keep there word and also trapping people in a whole of debt that they cant get out of and calling it help. a promise to lower a payment and the fees add up to more then the payment itself, is called highway robbery.
03/12/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
MA
02301
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
01/06/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
MA
02780
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
11/18/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MA
02301
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
01/12/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
NV
89110
Web
I have been disputing fraudulent inquires from the credit bureaus as Comenity Bank instructed me ; the credit bureaus are not removing or blocking those credit inquiries from my credit report, credit bureaus are referring me to Comenity Bank to dispute those inquiries directly with them because Comenity Bank is alleging that the credit inquiries are valid every time I deny then with the credit bureau. Whenever I dispute fraudulent inquiries without including the valid accounts that I have with Comenity Bank and the correct inquiries related to those accounts, Comentity Bank is closing all my accounts for no reason. They claim that the credit bureaus are informing them that I am disputing all the open accounts, I requested evidence of that, but Comenity Bank refuses to send proof to me. At this point, I am informing CFPB that XXXX and other credit bureaus, and Comenity Bank are refusing to remove the following fraudulent inquiries : COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITY BANK/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITY BANK/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITYCAPITALXXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITY BANK/XXXX XXXXXX/XX/XXXX COMENITYCAPITAL/XXXX XXXXXX/XX/XXXX COMENITYCAPITAL/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX Those inquiries have been inserted in my credit report per Comenity Bank request, I called to the Account Protection Team at ( XXXX ) XXXX, and spoke with XXXX, a supervisor of that department, and she refused to help me with this dispute claiming that she didn't have access to the applications completed in more than 30 days ; I requested to speak with the person who is verifying these inquiries with the credit bureaus, and she said that I have to contact the credit bureau to resolve this.
Valid Accounts that I have with Comenity Bank that don't need to be disputed or closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am disputing only the inquiries that I listed and nothing else, so then the accounts that I have with Comenity Bank should not be affected for retaliation.
02/11/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
FL
34952
Web
Servicemember
In XX/XX/XXXX, I opened a line of credit for {$4000.00} via XXXX thru XXXX XXXX and was told, if I did not pay it in 2 years, I would be charged finance charges and interest on any remaining balance due as of XX/XX/XXXX. Based on the company 's transaction records, my first payment was made in XX/XX/XXXX, 16 months after I started the account.
My first statement of record was XX/XX/XXXX, which I have enclosed and it shows a payment due of {$260.00}.
On the XX/XX/XXXX statement, which I have enclosed, you see a payment made on XX/XX/XXXX of {$260.00}. None of the payments that are on the pdf statements on XXXX XXXX website are in my digital transaction history, also on their website, which I have screen shot and enclosed.
I am including the most recent statement for your review, which shows of the {$4000.00} financed, payments and credits are {$3800.00} and I still owe {$3900.00}, which is basically the balance I started with.
I did not pay on time each month, but tried to double up to keep up with the account. I went on XXXX XXXX website to pull XX/XX/XXXX statements, and as you can see, they show nothing due on the XX/XX/XXXX. I believe my balance per their pdf statement files do not match their digital transaction records, which means there is a chance I am being charged more finance charges than I should be.
Even though I realized there was no finance charge for 2 years, I do not understand why no payments are shown in the attached transaction history.
I have included the XX/XX/XXXX statement to show how all of the fees were billed at that time which amounted to thousands of dollars. In addition to that, I am being charged {$95.00} per month in finance charges on top of the amount due.
I contacted XXXX and the representative only wanted to know how much I would pay, even when I pointed out a problem on my account.
I need help to make sure this billing process is correct and fair, and to get a true transaction statement on how much I paid in XX/XX/XXXX, since the bank shows no payments in XX/XX/XXXX on my transaction history.
I also want to confirm that it is legal for me to have been charged 28 % finance charges, as I have been over charged as a woman of XXXX, in the past, by other banks, and was notified by the Federal Trade Commision ( i.e. XXXX XXXX auto loan ).
I want to be sure that the high finance charges of {$95.00} per month are lawful.
Thank you.
XXXX XXXX
02/22/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MD
21225
Web
I recently received a closure to a complaint filed on XX/XX/XXXX with Consumer Finance. Complaint # XXXX I have been disputing the allocation of payments made to this Credit card company since early XXXX It is important to note, any amount received in excess of the minimum payment requirement is to be allocated as prescribed by federal law. The law requires that payments in excess of the minimum payment requirement be applied first to the balance with the highest annual percentage rate. The Company indicates the payments were applied according to the practice of making any payment amount exceeding the total of the minimum payment requirements for each balance to be applied to the promotional plan with the closest expiration date. HOWEVER, The promotional plan they applied those Federal law required payments to DOES NOT EXPIRE UNTIL XX/XX/XXXX The billing cycles they stole my payment from is 7 ( SEVEN ) Months prior to the last two billing periods ... They applied these payments back in XX/XX/XXXX. So that's nearly 9 months prematurely that they have applied the excess payments. They have in their own explanation given to Consumer Finance violated the federal law, and every consumer protection afforded me. I want my money applied correctly. This is not satisfactory to close my complaint ... I'm issuing further investigation into this fraud committed by Comenity Bank. And where is the resolution for the XXXX $ that was re-allocated on my XX/XX/XXXX statement fraudulently? Comenity Bank stole money from a 30 % interest balance and applied it to a 15 % balance that I owe. This too I had included in that dispute. Where is my money? I placed a call to Comenity Bank on XX/XX/XXXX @ approx. XXXX. Internally they are opening a dispute because according to the person I spoke with said funds were re-allocated in an " improper manner '' ( code for illegal manner ) But here we are. Still allowing Comenity Bank to steal from the consumer. According to this representative, re-allocation of payments are not allowed, however when asked to explain the XXXX re-allocated funds that benefit Comenity by allowing a greater balance to the 30 % interest baring balance, she had no explanation. This type of inconvenience is appalling. It should never be allowed to be taking place here in the USA. It's despicable really. Shameful that we have to fight this hard for big banks to do what's right and abide by Federal law.
04/08/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
MA
01109
Web
On XX/XX/XXXX I sent Comenity Bank a certified letter that was delivered XX/XX/XXXX. ( Copy of letter uploaded ). It was a " letter of inquiry '' about Comenity Bank 's policies and procedures for reporting on credit reports for sold accounts. I sent supporting documents on past reporting of my sold accounts and asked Comenity Bank if they could answer some questions I had about their " past reporting ''.
I stated multiple times within the letter this was NOT A DISPUTE. I stated my old accounts with them were reporting CORRECTLY since XX/XX/XXXX, I just wanted to get some information on their procedures and " past '' actions. I also stated I did NOT give them permission to access my credit reports. I did not want them altering any current information. Comenity Bank sold all my accounts to XXXX XXXX and stated XXXX was my " new creditor '', meaning they no longer had a business relationship with me or permissible purpose to access my credit reports. Instead of answering my letter in writing, Comenity Bank knowingly and willingly inserted erroneous dispute remarks with the 3 major credit reporting agencies XXXX, XXXX and XXXX. I never filed a dispute with the CRA 's for these accounts nor did I " dispute '' them with Comenity Bank.
I was alerted to these disputes when I received 7 emails from EQUIFAX on XX/XX/XXXX. ( 1 example uploaded ). The emails state Comenity inserted a dispute remark saying " CONSUMER '' disputes, and multiple other changes. I then checked XXXX and XXXX XXXX Example of XXXX dispute remark uploaded ) and saw the same dispute remarks, other changes and the addition of a " duplicate '' Victoria 's Secret account on my XXXX report. ( Copy of both XXXX Victoria 's Secret accounts that are reporting uploaded ). The duplicate account also has a different account number and different closing date.
This situation is not only in violation of the FCRA, but has caused me emotional distress, because it has possibly compromised my character and credibility with the Credit Reporting Agencies for future disputes. I would never dispute multiple accurately reporting accounts. This situation has also jeopardized my current chances of having my mortgage loan application approved. Comenity Bank has every right not to respond to a letter of inquiry from consumers but has no right to falsely report information to the Credit Reporting Agencies jeopardizing Consumers reputations.
05/16/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
HI
96782
Web
XXXX allowed seller, XXXX XXXX, to lie about their location and the quality of their product in advertisements on the their platform. I attempted to purchase a mask from XXXX XXXX at the beginning of the pandemic. The masked was advertised as being comparable to a XXXX mask and manufactured in the US. But, the seller was actually located in XXXX, and the mask is not comparable to a XXXX mask. In fact, it's vented, so it can't even be worn on an airplane. And, I wasn't able to ascertain any of this until it was too late because it took 3 1/2 months, plus to get the item. I tried to cancel multiple times throughout the process as well, but the seller refused every attempt then cutoff all contact, despite asking for a call tag.
So, I filed a claim with Comenity Capital Bank, and they temporarily removed the charge while they conducted their " investigation '' which consisted of nothing more than confirming that XXXX XXXX had received payment. That was it. They did nothing else. Then they reinstated the charge. After being given the runaround for a month or so, I filed an appeal. In the appeal I proved that Comenity Capital Bank did not do their due diligence by providing links showing that XXXX XXXX had been shut down for fraud. But, Comenity Capital Bank did not budge ; thereby, committing fraud themselves via collusion.
The links supporting my argument are as follows : 1. WHOIS ( SHUT-FOR-FRAUD ) : XXXX : XXXX 2. XXXX : XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX I have records of most my interactions with Comenity Capital Bank showing what was and was not done throughout the entire process as well, including, where Comenity Capital Bank refused to close the account, despite making two requests in writing. They even mailed me a new card after my second request.
I'm also sure the FTC would like to know that Comenity Capital Bank has referred the account to collections, despite the evidence, so I'm now getting 3-5 calls per day from different numbers with different area codes where the caller hangs up once I answer.
But, when I call the number back they all lead to Comenity Capital Bank. Or, to sum up, it's almost like Comenity Capital Bank had grown so accustomed to scamming their marks ; I mean, customers, via acts of fraud that they've got the process on speed dial. And, the game of trolling " customers '' while holding their credit XXXX along the way is just an added bonus.
06/28/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
VA
22201
Web
In XX/XX/XXXX, I signed up with an XXXXXXXX XXXX XXXX to finance my XXXX XXXXXXXX for two years. The beginning balance {$6400.00}. I made consistent payments and had {$1400.00} remaining balance as of XX/XX/XXXX. Due to Covid, I lost my previous job and took a new job that pays a lot less. After reviewing my XX/XX/XXXX statement, I saw that my balance went up to {$3900.00}. The promotional deadline was different than my statement deadline, which is the end of the month. I was charged {$2400.00} in accrued interest after XX/XX/XXXX. I paid off my original balance of {$1400.00} on XX/XX/XXXX.
It was my understanding that the interest was going to be of the remaining balance, not the original balance of {$6400.00}. This was my understanding based off what the credit card sales representative originally explained to me before I signed up for the promotion in XXXX. I was charged approximately 29 % interest of {$6400.00} on XX/XX/XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX and explained my situation. The first customer representative claimed that I had no interest charged to my account but could not clearly explain where the additional {$2400.00} came from. I expressed my financial hardship due to the coronavirus and what the original credit card representative told me. He told me that I was receiving a credit of an unintelligible amount and that it will be reflected on my XX/XX/XXXX statement.
I was skeptical so I called again for a different representative. Again, I explained my situation on how the pandemic severely diminished my salary and I struggled to pay but eventually paid off my original balance on XX/XX/XXXX. The representative told me that they could not do anything about the additional {$2400.00}. I asked if there was any covid-related assistance and she told me no because of the contract. I then expressed that the contract was confusing and that being charged almost 29 % of {$6400.00} was unconscionable and not my initial understanding as explained by the credit card representative who recommended the plan to me in XXXX. He explained to me that interest would be of the remaining balance -- not the original balance. Had he clearly expressed that it the interest was based on the original balance, I would had made payments differently.
It is highly immoral for the credit card sales representative to make a false representation of the interest scheme, which I relied on.
04/30/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
FL
32202
Web
Please see attached documents of communications- however I will summarize below : * I initiated a " 12 month deferred interest '' credit card with the XXXX furniture website ( XXXX ) in XXXX XXXX to open a card that is " managed '' by Comenity Bank as their credit provider.
* I was approved for a " 12 month deferred interest '' credit card in XX/XX/XXXX, and proceeded to make my purchases, and have continually made my payments on time.
* As the monthly " bill '' arrives electronically via email- I typically just pay my bill via cell phone * In XXXX XXXX I went into the website to actually " open '' my statement ( which takes a few additional steps to do from the email bill that arrives ) and realized they were charging me interest, in error.
* I immediately contacted XXXX, who directed me to their credit card partner- XXXX XXXX XXXX In XXXX I called XXXX and opened a formal " dispute '' about the charges * XXXX XXXX XXXX with a letter in the mail informing me that as I had not notified them of THEIR ERROR within 60 days, the interest charges would not be reversed- nor would they make an adjustment for the life of the credit card balance to adjust my card to be " 12 month interest deferred '' * I contacted XXXX, and they verified that they properly reported the account to XXXX XXXX as a " 12 month deferred interest '' account, and the error was not on their end, however they agreed to provide me with an email stating that the account was, and should have been coded as a " 12 month interest deferred ''.
* I provided this information to XXXX in XX/XX/XXXX via a formal writtem- certified mail 2nd complaint. While I have never received a formal written response from my 2nd complaint via mail ( although they tell me verbally otherwise ), a XXXX representative has verified via telephone call for me that their original decision stands, and that the account will NOT be changed to my CONTRACTUALLY AGREED UPON TERMS to have a " 12 months interest deferred '' credit card- nor would they reverse any previous interest charges as " 60 days have passed since the initial error '' - regardless of upon who the responsibility for the error lies.
* I contacted XXXX via email as a foollow-up and have not received a response * I feel this is clearly " deceptive '' practices on the part of XXXX, and in turn, XXXX as my provider.
* I have provided all documentation for this case via upload
02/09/2017
Yes
Credit card
APR or interest rate
CA
92704
Web
We have a dentistry loan ; my husband needs massive dental work, and despite having XXXX dental policies, we 're still regularly paying thousands out of pocket for his care. We were granted a loan at our dentist 's office through XXXX ( a 3rd party credit card that our dentist contracts with ). On its face, this loan is attractive - there 's a one year no interest grace period. However, after that year, the interest rate becomes 23 % and the interest is compounded. We had always planned to pay the balance off before the 23 % and compound.
A few months before the grace period expiration, my husband needed another {$1000.00} in care. We were offered another loan, and we asked, " will this resent the grace period on the loan? '' We were told that it would at the dentist 's office. It did n't. We noticed an additional fee of almost {$1600.00} earlier this week, so we spoke first with our dentist about it, thinking that it was an office error.
The dentist 's receptionist who gave my husband the information that the new charge would reset the grace period, ( XXXX ), was unhelpful and went and got the office Manager, XXXX. XXXX explained to us that the grace period would only be for the new balance and that even though we have XXXX card, it 's counted as XXXX transaction. We told them what we had been told, and they shrugged it off with a half-hearted apology. It would have been nice to know all this three weeks ago.
I have already discussed the situation with the dentist 's office and reminded them of the laws governing contracts and contract fraud - as well as the fact that intent to defraud is n't required. We also contacted XXXX - the best that they could do was remove XXXX of the XXXX interest, DESPITE the fact that we paid the balance in full today ( {$5600.00} ).
My issue is that 1. there 's a communication error somewhere between The XXXX XXXX and the people signing customers up for their product. 2. That miscommunication is costing people copious money - XXXX on XXXX principle is ridiculous. 3. Once the error becomes obvious, there 's no recourse to the consumer. 4. Individuals at the XXXX XXXX are n't all rude but XXXX that we dealt with were very rude in discussing this.
We have always paid our bills, and I feel that this is a scam to lull sick people who need large amounts of dental care into these ridiculous interest rates and unacceptable business practices.
12/11/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
11422
Web
I made a purchase of {$48.00} on XX/XX/XXXX using my XXXX XXXX card. On XX/XX/XXXX It acquired a finance and late free charge of {$28.00}, this was due in part to the fact that I had been issued a new debit card by my bank and could no longer make payments using my existing account. On XX/XX/XXXX After calling, XXXX was able to credit me {$15.00}, which brought my balance to {$61.00}.
On XX/XX/XXXX I made a payment of {$48.00}, brining my overall balance to {$13.00} plus a minimum charge of {$1.00} which was assessed on the account on XX/XX/XXXX. This brought my total outstanding balance to {$14.00} with a due date of XX/XX/XXXX.
On XX/XX/XXXX I paid the total outstanding balance of {$14.00}. However, on XX/XX/XXXX I was charged another minimum charge of {$1.00} ( which I was never notified about ), followed by another charge of {$15.00} on XX/XX/XXXX, {$1.00} on XX/XX/XXXX, {$20.00} on XX/XX/XXXX, {$1.00} on XX/XX/XXXX. All these charges bring to me to a current overdue balance of {$52.00}.
I do not feel like it is my responsibility to pay the remaining balance, when my total balance was paid off on XX/XX/XXXX. They are alleging that the addition of the {$1.00} minimum charge on XX/XX/XXXX is what rendered my account overdue and triggered the subsequent charges to be assessed to my account. When I called and spoke to a representative I was told that " minimum charges '' are assessed on accounts on the fifth of each month. That charge was not on my account on XX/XX/XXXX and account activity shows it was applied on XX/XX/XXXX. In the past the " minimum charge '' had been added to my statement on XX/XX/XXXX and XX/XX/XXXX but in XX/XX/XXXX, conveniently, it was added on XX/XX/XXXX.
I tried my hardest to satisfy my account with XXXX XXXX all while coping with a mother who was XXXX of XXXX. When the average consumer looks at the account activity page which is supposed to help cardholders it is very confusing to understanding how charges are being applied to the account and what the true outstanding balance is. XXXX XXXX is penalizing cardholders by assessing late fees on XXXX balances. XXXX XXXX assesses charges without showing the true outstanding balance which misleads consumers who are trying to pay off their cards. I am not responsible for the total outstanding balance as it is made up of charges by XXXX XXXX and not reflective of any purchases made using the card.
02/15/2018
Yes
Debt collection
Credit card debt
Written notification about debt
Notification didn't disclose it was an attempt to collect a debt
AE
09012
Web
Servicemember
On XX/XX/XXXX, I was notified by Paypal Credit Customer Service my account was in collection and was sent to XXXX XXXX XXXX ( Contact # : XXXX ). This was the first time I was notified I was overdue. I have not received any notifications from either Paypal Credit or the Collection Agency ( XXXX XXXX XXXX ). I immediately contacted the Collection Agency to figure out how this happened.
History : On or about XX/XX/XXXX, I purchased some items from XXXX XXXX XXXX. This line of credit was through PayPal. On or about that same year, XX/XX/XXXX, XXXX closed the XXXX XXXX XXXX website requiring XXXX XXXX XXXX Credit Customers to link their PayPal accounts. I linked my accounts, as required and requested by the website. Additionally, I verified it was done by trying to re-register, but it gave me an error stating my account had already been linked. In addition to my XXXX XXXX XXXX I have a Paypal Credit Account. The registration should have linked my overall PayPal account, but I am unable to see my XXXX XXXX XXXX account status ( website is shut down ) or unable to see a balance on my Paypal Account.
PayPal Customer Service/Collections stated they sent email messages and mail to my home address listed. I always monitor my account information and update the address as needed. PayPal Collections stated their process is to send out email notifications first, followed by letters to the address on file and as a last resort calling the phone number listed.
I was not afforded my due process to respond to a debt prior to collection. Furthermore, since the systems were not linked, I was unable to see a remaining balance due. My account has been overdue for over 400 days yet nothing reflects on my credit report. How can a consumer be charged late fees and interest on a balance he or she is unaware they owe due to a poor notification and system miscommunication/technical issues?
Over the 400 day period, my balance went from {$170.00} balance owed to {$360.00}. The difference in balance can be attributed to late fees and interest charges. I do not dispute I owe a balance of {$170.00}. I made those purchases and do not dispute the charges. The remaining {$190.00} ( interest and late fees ) is a gross overcharge and should be reflected as a bad credit card practice when the consumer has no knowledge a balance is due. As a consumer, I should have protection and provided due process.
04/11/2021
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
TX
76063
Web
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against XXXX/Comenity/Wayfair. XXXX has placed false fraudulent information onto my credit files, and I want all of this false fraudulent information removed from all of my credit files.
I am attaching a copy of my credit report, and the report clearly shows that Comenity has falsified information.
For starters, I am disputing the {$1700.00} dollars that Comenity claims that I owe to them, I do not owe that money.
Comenity has run up that balance themselves, with their usury interest charges and fees. I have had no dealings with Comenity since around XXXX or XXXX of XXXX, yet by what the credit report shows, Comenity has lied and claimed that I made a recent {$41.00} payment to them on this balance that I do not owe, and I have made no such payment.
They are showing on the report as though I had dealings with them in XXXX, and that is in no way truthful.
Comenity has manipulated the status data with the dates and amounts to justify this false balance that they are trying to charge me for.
In the comment area of the report, Comenity is showing that they have another lender who has purchased this debt, and I have disputed this debt with Comenity before. Comenity continues to pass on this fraudulent information onto other collection agencies that are listing themselves onto my credit files as well, with these collectors not verifying the debt with me, they are listing both themselves, as well as Comenity with this debt, on my credit files, and I disputed with the collectors, and they as well as Comenity both continue to be listed on my credit files.
I requested from the credit bureaus a copy of my credit reports, and this is how I learned about the collections being placed onto my credit files.
My credit rating is being destroyed twice, by both Comenity, and the collection agencies reporting this false inaccurate information.
Comenity is being malicious, they are intentionally slandering my credit, and they know that I did not run up that debt that they are ruining my financial life with.
I want XXXX/Comenity/Wayfair, and their collectors, to cease and desist from harassing me. Any communication from, XXXX/Comenity/Wayfair can go through the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.
10/15/2021
Yes
Checking or savings account
CD (Certificate of Deposit)
Closing an account
Funds not received from closed account
CO
80012
Web
I currently had sold my home and was going to purchase a new build home and wanted to put the money in a " safe place '' while the construction on the new home was being completed so I opened a CD account with Comenity online bank for {$140000.00} that was funded from my regular bank account on XX/XX/XXXX. My plans changed and I found a new build house that was available now and made an offer on that property and needed to close the CD in order to put a down payment on this house. I called their customer service as soon as I knew of this change on XX/XX/XXXX to request information on how to take a penalty and close my CD with them. I was given the information on the penalty, and was told it would take 3-5 business days for them to send the money back to my original account. I requested that the account be closed on XX/XX/XXXX. The closing on my new property was scheduled for today XX/XX/XXXX. They still have not completed this transaction. They have an online messaging system that I have sent 10 messages inquiring about the status of this account and the only response I have received is that it is " under review ''. I have called their customer service line daily starting on XX/XX/XXXX since I was getting no response on their online messaging system. I have spoken to several members on their customer service team and their " escalation '' team. I have asked to speak with a manager, director, supervisor and have been told that they do not take direct calls. Multiple customer service agents have assured me that the account has been escalated, however when I called yesterday on XX/XX/XXXX the customer service person I spoke to said she could not see notes that my account has been escalated. I contacted the bank again today XX/XX/XXXX and the customer service rep told me that my only next step might be to write a letter to their corporate office and was unable to give me any further information regarding my account.
As a result of this, I have had to scramble to try to find other ways to fund the closing of my home. It is a very disconcerting thing to put your money in a place for safekeeping just to feel like you need to actually be protected from the financial institution itself. I would want other consumers to know that this bank does not make good on the information they give you, and will not transfer your money to you even in the case of an emergent situation.
07/06/2018
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
FL
33511
Web
I've made several attempts to ensure I did not miss my due dates : XXXX/XXXX payment methods does not allow multiple auto payment schedule dates. ThIs company Website only allows one payment schedule per month. This practice leaves customers/consumers open for miss payment and incurring late fee payment. Thus increasing the debt owed and the balance never ending.
Calling customer service only credit one late payment fee. I was just recently been able to set up an additional auto payment with my bank 's new-bill pay option. This has caused me to make two monthly payment per month. I want to them to facilitate my & everyone 's payment options like other financial institutions allow.
Below is a breakdown & actual bill statement also attached Please note the following.
XXXX {$25.00} payment XXXX {$25.00} payment & XXXX {$27.00} late fees* XXXX {$27.00} payment XXXX {$25.00} payment XXXX {$27.00} payment XXXX {$25.00} payment = note I established two separate payment option in XXXX for XX/XX/XXXX paymen & I still received a late fee in XXXX.
XXXX {$25.00} payment XX/XX/XXXX {$25.00} payment XXXX {$37.00} LATE FEE XX/XX/XXXX {$25.00} PAYMENT XXXX {$27.00} LATE FEE XXXX NO PAYMENT XX/XX/XXXX {$27.00} PYMENT XX/XX/XXXX {$25.00} PAYMENT XX/XX/XXXX {$27.00} LATE FEE CREDIT FOR XXXX XX/XX/XXXX {$27.00} PAYMENT XXXX 27 LATE FEE 10 You will notice two payments made per month. This was established with my personal banking instituion to set AUTO PAYMENT to avoid late payments & its late fees. Since XXXX and I havent been back to However I was not able to go back to the CREDIT=XXXX/XXXX TO STOP MY MONTHLY DOUBLE PAYMENT.Since this insititution does not accommodate multiple schedule on their website. Now I'm paying this bill twice. In as much as my debt with this institution will end faster. I am on a tight budget and can not afford to make double payments.
I've establish the two bank payment due to XXXX/XXXX not allowiing multple payment dates thus causing me to miss scheduling a payment on time.and incurring late fees. i established the second bank bill pay option to avoid late fees in XXXX. In XXXX i received a late fee.
Please this account is causing me undue stress and can very well be affecting my credit score due to their outdated payment system. as I attempt to make all my outstanding bill monthly payment on time with auto pay until my balance is paid in full.
01/28/2022
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
FL
32606
Web
" Comenity XXXX '' online bank provides high yield saving account ( HYSA ) service.
On XX/XX/XXXX, I opened a HYSA account, and transferred some fund from my XXXX XXXX checking account.
On XX/XX/XXXX, I transferred another sum of money from my " XXXX XXXX '' online saving account into this HYSA account in Comenity.
On XXXX, I purchased 6 I-bonds from TreasuryDirect.gov.
On XX/XX/XXXX, 4 out of 6 above transactions were denied by Comenity. Then, my HYSA was locked by the Comenit XXXX online bank. Then, I called the BANK customer service many times about those issues : account locked, as well as transactions denied. The customer service agents did not solve any issues for me, just told me they could not do anything.
On XX/XX/XXXX, a Product Support of the bank, named " XXXX '' sent me a message to my online banking account, as follows : " % % % % % % % % % % % % A review of your account revealed potential security concerns and/or irregular activity. The use of your account has been temporarily suspended pending the completion of our investigation. In order for us to consider removing the suspension from your account, please send us the following documentation within 14 days of the date of this letter. Please send us photocopies of three documents : 1. A government issued ID. You can choose Either your driver 's license ( front and back ) or your state-issued identification ( front and back ) or your passport ( photo page ) or your military identification ( front and back ) And ; 2. Your Social Security card ( front and back ) And ; 3. The most recent ( within 30 days ) bank statement showing ownership of the funding account. The following information must be visible : 1. Full name & address 2. At least the last 4 digits of the account number Please send this information to : Comenity XXXX XXXX XXXX XXXX XXXX, MO XXXX % % % % % % % % % % % % % % " This message made me suspicious of this bank. Then I sought online reviews about Comenity BANK. Astonishingly, the reviews for Comenity Bank are very bad, as shown in ( XXXX XXXX XXXX ).
Many customers had bad experiences similar to me. The BANK just wants to hold money in the bank, not allowing customers to use or transfer money to somewhere else. I do not trust them to handle my identity information : copy of my driver license, and copy of my SSN card. My identities would be in danger should I give them.
10/31/2019
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with balance transfer
NC
28173
Web
I have an existing credit card with XXXX / Comenity Capital Bank. In XXXX of 2019, it had a balance of {$600.00}. In XXXX, I opened a credit card with XXXX XXXX because it had favorable interest rates on balance transfers. I completed a balance transfer from my XXXX XXXX card for {$600.00} to XXXX / Comenity Capital Bank in early XXXX. On XX/XX/2019 I received verification via mail from XXXX XXXX that confirmed that a wire was sent to XXXX / Comenity Capital Bank. I called XXXX XXXX and confirmed that a wire was sent to XXXX / Comenity on XX/XX/2019 for {$600.00}. Comenity Capital Bank never credited my account. I had to call them multiple times to request them to look into why I never received the credit while at the same time, paying the minimum amount each month on an amount that I no longer owed so that my credit would not be affected negatively. After gaining no resolutions amid trying to work with XXXX / Comenity Capital for 2 months ( I was told to wait and see if the balance would update since it probably had not been processed yet ), I filed a formal dispute in XXXX and the gentlemen on the phone asked me to upload documentation showing the balance transfer. I had to find the documentation from XXXX XXXX and when I was going to upload it, I received a notification ( this was < 30 days ) that my dispute was closed and they could not verify my balance transfer. I called back and re-opened another dispute and uploaded the documentation and I was told that they would look into it and credit my account. I didn't hear back from XXXX / Comenity after I spoke with the Customer Service Representative. It was only after I told them that I filed a complaint with the FDIC and gave them the reference number that I finally heard from their customer service department and they said that they were looking into my dispute and would not collect payments on the amount while they looked to see if they could approve my dispute. It has been almost 5 months and they still have not credited me the amount that I owe and I am making monthly payments to ensure my account does not report as delinquent on my credit report and also paying XXXX XXXX payments, so in essence, I am paying on 2 balances for the same amount, and XXXX owes me the credit of the balance transfer, as well as the monthly payments that I have made since XX/XX/2019 to current ( as of the date of this filing ).
10/13/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
MI
48072
Web
Wow! This has been a roller coaster for me! I have been fighting to improve my credit and Victoria Secrets, Comenity Bank is extremely difficult to work with. I am trying to obtain a mortgage and am worried about qualifying or getting stuck with high rates, which could cost me thousands of dollars over the years. I truly believe my credit report doesnt accurately reflect my creditworthiness or my dedication to paying back my debts. Also, I am working with XXXX XXXX XXXX and the XXXX XXXX XXXX in order to reach my goal of Homeownership.
After reviewing my credit report, I discovered a late payment was reported in XX/XX/2020. With that said, I wrote a Good- Will letter ( attached ) to Victoria Secrets as a second attempt in working with them. The only response that I received back was under-reinvestigation. Now, the other issue I have is they haven't reported my last three payments?? Ahhhh! I got a little crazy and analyzed the XXXX out of my bills and comparing to my credit reports. Come to find out, I was humbly requesting for a good will adjustment and they are the ones that caused every single one of my late payments ( attachments included ). I made XXXX sheets to compare. I was one day late, paid account in full and had a negative balance. If you compare some of the reversals I was able to get in the past you will see they are admitting fault yet still reported significant damaging items on my credit report. I had a XXXX balance, and then for 2 months a - {$12.00} balance due them keep charging me late fees.
Two Side Note Questions you may be able to assist me with ; I have truly come full circle and deserve a break. At XXXX, I Graduated this year Covid-2020 with my XXXX XXXX in XXXX XXXX and have come full circle as a XXXX XXXX of the XXXX. I was given student loans prior to having my XX/XX/XXXX and did not understand the effects of MASSIVE student loan debt. I have multiple Late Payments on my XXXX XXXX as well. Not sure if there is even a way to remove? I wish I would have been able to view the interactive webinar explanations!
My Credit score is increasing and I am in a position that my lease has expired and I need to move fast with getting my credit scores to par. It seems as though XXXX is not reporting many things and really behind in staying updated on accounts I have paid off. The score is significantly less than that of XXXX and XXXX.
03/17/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
WA
98584
Web
My credit rating went from XXXX to XXXX. Upon requesting a copy of my credit report, I discovered 7 accounts on my report that I did not open and was unaware of. Six ( 6 ) of which were opened within a 3-month period in XXXX between XXXX and XXXX. An adult relative received promotional pre-approved offerings via email and postal, and in each instance the offer was personally addressed to them. The recipient applied for the offers based on an acceptance code in several instances, providing their personal info, not knowing or expecting any connection to my credit report or SS #.
XX/XX/XXXX - My low interest rate credit card was cancelled due to my credit report. I requested copies of my credit report from credit reporting agencies and found 7 accounts that I did not open or request.
XX/XX/XXXX - After receiving and reviewing my credit reports, I contacted XXXX by phone to dispute accounts and explained what I believe transpired.
XX/XX/XXXX - XXXX completed dispute XXXX XXXX was removed from my report {$1000.00} XXXX XXXX removed from my report -- they were also contacted directly by me prior to contacting XXXX {$6800.00} ADS/Comenity XXXX - they said they reported accurately {$1000.00} ADS/Comenity XXXX - they said they reported accurately {$540.00} XXXX/XXXX DC - Closed but referred to collections so I initiated new dispute against the collection agency XX/XX/XXXX {$800.00} XXXX XXXX XXXX XXXX - Initiated another dispute XX/XX/XXXX {$510.00} XXXX/XXXX XXXX - This was previously closed for inactivity and no late payment activity, but not removed from my credit report. {$0.00} ( I also called XXXX XX/XX/XXXX but was not able to get it resolved and removed from my credit report since it technically isn't in my name, but the relative 's name! ) XX/XX/XXXX ADS/Comenity -- I contacted them to explain the discrepancy and to ask them to remove from my report, but although they have my Soc Sec # tied to the account, they won't talk to me because it's not in my name. They will not tell me ( or may not know ) how my name got tied to the account and who was the database source of the promotional offering that they solicited the relative with.
XX/XX/XXXX - Attempted to remove the relative 's name, addresses and phone # 's from my credit report under " known as '' or " other addresses '' or " other phone # 's '' but apparently I can't do that either.
02/15/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
TN
37355
Web
Servicemember
I have an account with XXXX XXXX. At the end of XX/XX/2017 XXXX changed their contract with their billing/credit accounts. They changed to XXXX XXXX.
Comenity sent me a notice of the change and a copy of their new contract. I had questions about the contract, but I decided to contact them after I received my next statement from them. I did not receive a statement and they contacted me about being late on my payment.
After a short conversation, the XXXX representative made it clear they were not going to charge me a late fee or notify the credit bureaus, and that this had happened to many other accounts and was standard with such a transition. I was appreciative, and we got the statement problem corrected. Also, I scheduled a payment to XXXX for {$410.00}. The next day I scheduled another payment for {$130.00} because this was the remaining balance and I wanted the account paid in full.
About two weeks ago I received several emails from my credit monitoring service 's. I took a look at my credit and noticed there was a late notice on my credit report from XXXX XXXX.
I called XXXX XXXX and spoke with a service representative. They placed me on brief hold and I was transferred to a manager. There was a language barrier, however, she was extremely nice and said as a one-time courtesy she would have that late payment removed. I was very pleased this was as easy as it was.
The next day, I received several more notices via email that I had received more late notices on my credit report. I just assumed it was the same notice. Later in the day I did check my credit report and there were two more late payment notices from XXXX XXXX, for a total of three notices.
I immediately called the same people at XXXX XXXX and she said she followed guidance on removing the late payment and did not know why this happened. I made an effort to explain it did not work and now it seems worse. The manager explained that I would need to use the letter XXXX XXXX was going to send me to dispute the late notices through the credit bureaus. This seemed to be more confusing, but I don't think the Bank representative knew what to do at this point.
So, I have enclosed the bank statements that reflect my payments and the letter from XXXX XXXX. I am in the process of trying to purchase a home in Florida and my bank requires that I have NO delinquencies for past 12 months.
04/20/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
75019
Web
This email is regarding my XXXX XXXX XXXX XXXX XXXX card. I have been using this card for several years and I am very punctual in my payments always. But this year they have been so rude and greedy to earn money through charging late fee and finance charges for ridiculously no reason. First of all, I always pay my full account balance on time or when they send me a postal letter or email reminder for a due date, but I always tried to pay before that and never get any charges, late payments ever. But this year, I shopped and when I logged on on my own without any notification of the due date, I don't see any late charges or finance charge, so I paid in full which is {$10.00} and some cents. Then again after a week or 2, I shopped for some cents and within a few days they send me late due date charge through email which surprised me, then I logged in to pay, and here 's how they are making money this year, I saw a few late charges and finance charges on my account which made me so mad. I called their customer service and the lady said she can only waive one late payment. This is so ridiculous, till last year, they always send paper reminders and emails as well. I understand for going paperless, but how about email reminder? and all of a sudden they charge more than 2-3 late charges. What the heck? I want my account clear of every single penny, since I paid, they charge me for that payment twice, coz of one day late payment, which I never get any reminder and for XXXX XXXX sake, its only one day late. Then they kept on charging late payment on a late payment due, what's wrong with these guys? and on top of that, they are charging finance charges also. A big WOW. I can not take this anymore, Waive all my charged and I will make sure never ever shop with this card, or shop at XXXX XXXX anymore. This is insane, and cheap tactics to make more money. I am writing this to the XXXX XXXX XXXX as well. I send this kind of email to comenity bank customer service as well a couple of weeks ago about this issue and guess what, they don't even bother to reply even one word back to me. I want all my charges cleared up, and I will be closing my card and stop shopping with XXXX XXXX from now on. I am a straight walking person, I cleared all my accounts in a timely manner, this is ridiculously pathetic money earning tactic for charging money and overcharging.
12/22/2021
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
CA
94159
Web
I opened a high-interest savings account with XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX, I deposited {$100.00}, and then on XX/XX/XXXX, I deposited {$40000.00}. I received a mailed letter in late XXXX requesting copies of my DL and other documents to verify my identity, stating my account was suspended. I wrote a message to the bank in the bank 's online messaging portal on XX/XX/XXXX that read the following : Hi, I got a letter saying that my account has been suspended, and you need more info from me. I just want to make sure that the letter is legitimate before sending my personal info. Thank you!
On XX/XX/XXXX, I received a reply that simply cut and paste the text from the letter I had already gotten. I sent in all required documents by mail in XX/XX/XXXX.
On XX/XX/XXXX, I still had heard nothing and my account remained restricted, so I messaged the bank asking for an update. I got no response. I wrote again on XX/XX/XXXX again asking for an update. This time, the response was an auto-generated message that read : Thank you for your message. One of our customer care representatives will respond to your inquiry within the next three to five business days. If you need more immediate assistance please call us at : XXXX.
But I never actually received any response to my question.
Finally, I called the bank on or around XX/XX/XXXX. The rep I spoke to had no access to information as to why my account was still restricted and said they would forward my request to a manager.
On XX/XX/XXXX, I got this message : Dear XXXX, Thank you for contacting Comenity Direct Customer Care.
This request is still under review.
Please let me know if you have any additional questions or if I can be of any further assistance.
I have yet to receive a response, despite sending multiple messages again.
On XX/XX/XXXX, I called again and the rep I spoke to again could not find the reason for my account being restricted, and said she would send a request for an account status update. I requested to close my account, as I no longer trust this institution with my finances, but was unable to do so, because of the account restriction.
In short, my account has been restricted since XX/XX/XXXX, with no response from my bank as to why or how to resolve this immediately. These are my only savings and I need to be able to access my money.
Thank you!
XXXX XXXX
03/19/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
CO
80231
Web
XXXX XXXX ( aka XXXX XXXX ) provides high interest loans ( 25 % + ) for XXXX work. Each time you decide to finance a procedure it is separated into its own " plan '' on the loan account. Depending on the promotion, you may have 1 or 2 years to pay off any given plan without incurring any of the deferred interest. My first two plans were 2-year deferrals opened in mid-XX/XX/XXXX and end of XX/XX/XXXX respectively and payments were applied in amounts weighted towards the first plan with the earlier deadline. My monthly payments were easily enough to meet the expiration dates. So far so good.
At the end of XX/XX/XXXXand during XX/XX/XXXX, my wife and I had more emergency XXXX issues and since we had more available credit on the XXXX XXXX loan, we added four ( 4 ) more procedures ( plans ) to the loan. At this time, XXXX XXXX started allocating my payments across all six loans and I increased my monthly payment to compensate and stay on track to pay off the first two plans within the promotional expiration dates.
Fortunately, the first plan was far enough along that it was paid off by mid-XX/XX/XXXX. As the expiration of the 2nd plan was approaching, XXXX XXXX began siphoning a larger proportion of my payments to the newer plans with much later expiration dates. In hindsight, I realized they were intentionally ensuring the amount applied to my 2nd plan would not meet the payoff amount and miss the deadline and incur the deferred interest. When I called their customer service to protest, they said sorry it is what it is. I was then told my only recourse was to explain my case to them in writing, which I did. I provided a schedule showing exactly how they had been applying my payments ( for which I could discern no logic ) and how they could and should have been applied to meet the deadlines. There written response was, " ... we find the finance charge to be valid. '' I find that XXXX has intentionally obfuscated the method used to apply payments to plans to make it impossible for customers to determine where they stand and adjust payments to compensate. But really, they are just a fancy predatory lender. I can only imagine how many others have been cheated this way.
I have since been able to pay off all the remaining plans to keep them from cheating me on my other plans, but they have still taken me for over {$1000.00} in unfair interest
02/22/2018
Yes
Credit card or prepaid card
Store credit card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
CA
94401
Web
I am requesting a courtesy adjustment to my credit reports ( XXXX, XXXX, XXXX ) for the 30 day and 60 day late reporting : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) My mother XXXX in XX/XX/XXXX. She was on XXXX and social security, so when she XXXX, I, being her only child and closest living relative, took-on 100 % of the funeral, burial and administrative costs. This caused me to fall behind on my credit card payments with XXXX XXXX. I called XXXX XXXX XX/XX/XXXX and explained my hardship. In fact, when I signed-on to the payment portal a red banner came across the screen ; here is a copy/paste : " Alert 1 of 3 : If you're facing financial challenges, we may be able to help. Please call our Customer Care team at XXXX ( TDD/TTY : XXXX ) for more information. Alert 2 of 3 : Your Account is past due. Make a payment now. Alert 3 of 3 : Please confirm your contact information. Confirm Now '' I called XXXX customer service in good faith, explained my hardship, and the call was elevated to the collections department, where I explained my hardship yet again. I expected, at the very least, a TEMPORARY courtesy modification of ANY sort, just so that it would be easier to catch-up on payments. This was not offered. All I was told was ( 1 ) how much I owed, and ( 2 ) whether I could set-up an electronic payment with the agent on the phone. In short, the agent did not help. I was reported to the credit bureaus as 30 and 60 days late. This is truly heartbreaking, especially when I reached-out for help -- the banner said " call us, we may be able to help. '' I had perfect credit and perfect payment history with XXXX until this episode. If they pull my credit reports, you will see that I have 100 % on-time payments with ALL my creditors over the last 6 years, including all of my XXXX cards. I have no collections, no judgments, nothing. I had a clean history until my mom 's XXXX.
I want to pay my bills. I take pride in paying my bills on-time, and I work hard to keep a clean credit report.
As of XX/XX/XXXX, I have been getting caught-up and expect to be 100 % caught-up by XX/XX/XXXX.
I am respectfully requesting that XXXX extend this ONE-TIME courtesy to me : removing the 30 days and 60 days late payments on all three credit bureaus. I would greatly appreciate it.
Thank you.
02/10/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
FL
33604
Web
Servicemember
I believe Comenity Bank violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case Comenity revoked my credit. Shown in exhibits.
I believe Comenity Bank is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or XXXX XXXX XXXX of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits.
Fact, Comenity Bank did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits.
Fact, Comenity Bank violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on 8/3/2015. I believe Comenity Bank is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits.
Affidavit is attached in file upload so please respond quickly.
09/18/2018
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
SC
29414
Web
XX/XX/XXXX I went to XXXX XXXX XXXX. I signed up for a store credit card. I was told it would be mailed to my home. I was charged {$8.00} XX/XX/XXXX I received a late bill. I never was mailed a credit card. So, the 1st thing I received was a bill with a late fee. I was willing to pay it off. I called XXXX XXXX to advise them I NEVER received a credit card. I told them I wanted to pay off everything/close account.
They literally told me I can't pay it all off without giving them my banking information. I was not about to give personal bank info. So, they refused to let me pay off the card/close account. I wrote to the bank that responsible for the credit card.
XX/XX/XXXX I received a letter from the bank XXXX XXXX issues their credit cards though. The name of the bank is : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX apologized for the inconvenience. They credited my account to a XXXX balance. I owe nothing. Yet XXXX XXXX keeps billing me with late fees. I've told them and showed them the letter from their own bank.
XX/XX/XXXX Still receiving monthly bills. Each time they want more money bc of late fees, even though they have the letter from their bank. I gave it to them twice.
XX/XX/XXXX I finally wrote a personal complaint to the CEO after getting no where.
A few days later I was contacted by XXXX XXXX. Customer Relations Representative XXXX XXXX XXXX. I explained the whole story over again. Each time XXXX XXXX acts like they get it & I won't continue to try to get more money.
XX/XX/XXXX I received another bill from XXXX XXXX. Again, I contacted them. I sent a screen shot of the letter from their back. Again, they apologized. They said it won't happen again.
XX/XX/XXXX Today I've received another bill with more added on late fees!
Every single month since, they mail me bills with even more additional late fees. Each month, they say they'll stop behaving this way. It never stops. I have no idea what to do. I have the letter from their bank. I also have the latest email from XXXX XXXX acknowledging that they seen the letter from their bank & I owe them nothing.
I don't want my credit ruined when I'm not doing anything wrong. I suffer from anxiety issues. Please help me. I don't know what to do anymore! They have proof. They admitted they are wrong. But, they just won't stop the harassment.
Thank You, XXXX XXXX
07/27/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
PA
19103
Web
I was charged with a payment of {$740.00} by XXXX XXXX for a XXXX XXXX Promo Purchase on XX/XX/18.
As soon as I noticed the charge I called in and spoke with a customer service representative for about 40 minutes. They said that the purchase was made at a XXXX XXXX store but never verified which store this was. That was odd to me but XXXX made it clear that they would work to fix the issue of fraud by the end of the long conversation.
I called in to XXXX in XXXX to receive an update on my case because I hadnt once received any literature about the current status of my complaint. They said that they were working on it and that the store had up to 90 days to respond.
I sent an almost duplicate message via the online portal of XXXX XXXX in XXXX and the response was the same.
I checked my account today and I see that now the provisional credit was taken off and I have been officially charged.
When I called into the bank today, they said that they verified that the charge was valid because the store sent them a copy of the receipt with my signature on it. I thought this was again interesting and I again asked what was the store, they said I would have to speak with people from the dispute team. I asked to be forwarded to them and they said that wasnt possible and that the dispute team doesnt talk to clients directly. This was infuriating to me that someone would tell me that a fraudulent charge was valid but still not be able to AT MINIMUM tell me where the purchase was made.
An account supervisor was put on the phone after the rude service representative couldnt tell me why this was valid and essentially had the same attitude. But weirdly enough, now the account exec said that the purchase was made online. I asked if made online then what address was it received at. I also asked, how could I make an online purchase and then have a signature to compare it to. Neither questions were answered and she was rude and dismissive as well.
Safe to say that XXXX XXXX has not given me, a customer of 3 years a decent amount of respective, courtesy or compassion when dealing with this manner that clearly doesnt make sense but is attempting to make me continue to pay for it financially and through overall credit availability. This is discussing and I dont think I want to deal with a company that values their customers in this manner.
05/16/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
SC
29715
Web
I opened up a XXXX XXXX account with XXXX XXXX sometime in XXXX. This account has been kept in good standing and was always used responsibly. On or about XX/XX/XXXX, there were over {$600.00} worth of fraudulent charges made on the account that I did not authorize. This happened around the same time I was relocating from XXXX to XXXX XXXX due to employment. I raised my concern to XXXX XXXX, which in turn they immediately credited about {$250.00} worth of charges and stated they were going to freeze my account and all reporting to the credit agencies XXXX which they did not ), while they investigated. Also XXXX reached out to let consumers know of a breach that impacted XXXX XXXX XXXX customers ( XXXX XXXX did not notify me of a breach ). Around that time it appears XXXX XXXX sold off the XXXX accounts to Comenity bank, and nothing was done In the investigation. as XXXX XXXX never reached back out to me to share their conclusion. When I reached out to Commenity bank and their fraud dept to explain the situation, I was told that they were going to issue me a new card once I brought the account current ( which they never did ). When I called back- Agents were rude and would refuse to provide information on the status of my account, my fraud case and the status of my card issuance. Commenity continued to negatively report to the credit agencies without addressing my concerns, and directed me to dispute the fraud charges with the agencies rather than with their bank. After weeks of back and forth, Commenity ultimately shared that the account was closed and they were never going to re-issue a new card, even after they took several payments on my account. I made a final payment to the account as it was clear they werent investigating my fraud claims and the interest on that balance was still accruing. Even after paying out and closing the account, Comenity still sends me notices about my account as if it were still active, Recently they just sent me a change of terms to our agreement ( see attached ), Ultimately both companies completely mismanaged my fraud case and continued to negatively report against me- even when Ive done everything on my part to notify them about the fraudulent charges. I want all negative reporting to be deleted, and I want both banks to be held accountable for how they mishandled the transition of my account.
03/01/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
VA
20148
Web
I lodge this compliant as a follow up to my call with the Consumer Finance Protection Bureau on XX/XX/XXXX. Call Reference Number is XXXX.
As elaborated on the call, on XX/XX/XXXX, my fiance ( now my wife ) and I walked into the XXXX XXXX store in XXXX XXXX to purchase her engagement ring and our wedding bands.
After picking our rings, we were ready to pay for them when the sales associate offered a promotional plan where we make a down payment and then the balance made over 18-monthly payments at 0 % interest.
We accepted and the sales associate went ahead to calculate the down payment amount of {$1400.00} for which we paid for, leaving a balance of {$5300.00} to be made in 18 monthly installments. She then went ahead to let us know that we should keep an eye out in e-mail/mail for the credit card which supports the financing as well as the first billing statement.
The first bill statement was sent in XX/XX/XXXX and stated a due date of XX/XX/XXXX. We made the first installment payment of {$300.00} on the basis of a 0 % interest and 18 monthly installments as was explained to us at time of sale. ( That is {$300.00} x 18 ).
Following that, we set a direct debit standing order to consistently settle monthly payments of {$300.00} on time with no defaults, and made the final payment of {$260.00} on XXXX XXXX to close out the card.
We were thus utterly shocked when on XX/XX/XXXX, I got an e-mail from Comenity Bank that payment was due for {$1200.00}. I first engaged Comenity via e-mail on XXXX XXXX to flag and dispute this amount as an error and they explained that final payment was due by XX/XX/XXXX for the promotional period and because we were 5 days shy of that date, we are being charged with all interest accrued over the period.
Several messages and calls have been made to Comenity since then to explain that what we were sold at XXXX was exactly what we abided by, but they fail to understand.
Even worse, while we are still having discussions with Comenity to resolve this issue, we discovered a delinquent report sent to XXXX and an adverse hit of 102 points to my credit score. This directly goes against their terms as noted behind bill which states that while a mistake on a statement has been notified, Comenity will not collect the sums due in question nor report any delinquency to credit reporting agencies.
10/13/2017
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
NY
14608
Web
XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX all are store cards that I applied for and then Got approved for credit limits online. I 've used XXXX inside the store aswell as XXXX XXXX XXXX XXXX. One day ( I ca n't remember ) as I was online shopping for stuff with my wife. I could n't check out using The XXXX card. So I called and the number directed me to commenity Bank. The commenity Bank represnative told me that they needed some additional verification from me in order to unblocked the account. They need a copy of my drivers license front and back, social security card front and back and bank statement front and back. I 've sent them copy of all the required documents that they asked for. So after 1 week has passed by, I decided to give commenity Bank a call to check on those documents. They said they have them and they are being reviewed. About 2 hours later, I received a Alert from XXXX ( Which was the same day on XX/XX/XXXX ) saying that Commenity bank pulled my credit report. So I them called commenity Bank and asked them what 's that all About. They said that My accounts were closing. So I said for what?? The represenative said for fraud?? I said for fraud, That 's impossible. I just got these cards and all I 'm trying to do is build my credit up. She said hold on I 'm gon na transfer u to a supervisor. I speak to a supervisor and she said that My accounts are closing because my documents did n't pass the verification..I said how is that possible?? When I sent everything that u asked for that was valid. ( XXXX STATEMENT, DRIVERS LICENSE AND SOCIAL SECURITY CARD ALL OF WHICH WERE FROM AND BACK ). She was very rude and disrespectful during the conversation. So today, which is XX/XX/XXXX, I received a letter from commenity Bank for a entire different reason for closing my accounts. The letter said that they closed the accounts for security concerns..How is that possible and why would they even close my accounts to begin with. I have a fraud alert on all my credit files which states that any creditor is directed to contact me if anyone is trying to get cards or loans in my name and I seen when they pulled my credit report..They did wrong and foul for no apparent reason at all and I know it 's discrimination. They had no reason to close any of my accounts..They have hurt my credit score so bad with this move that they did.
08/10/2021
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Application denied
OH
45040
Web
At the end of XXXX of XXXX, I applied for a XXXX XXXX credit card in order to more easily pay off a couch purchase of around {$900.00} with no interest.
As of a letter sent to me from Comenity Capital Bank, the issuer of all XXXX XXXX credit card accounts, on XX/XX/2021, I was denied for the following reasons ( spelling errors included ) : " High average credit limit or loan amounton revolving/real property trades or credit balance to limit ratio on revolving trades High credit limits and balances on revolving trades Low level of authentication indicative of First Party Fraud Low level of authentication indicative of ID Fraud. '' They also gave me a " Behavioral Risk Score '' of XXXX out of XXXX.
This information was supposedly gathered from XXXX and XXXX but the bureau that was shown to me as the main source of my denial was XXXX
I spoke with all three credit bureaus listed above the morning of Monday, XX/XX/XXXX and accessed my credit scores for all three that afternoon. From each bureau representative that I spoke to, none could find any information leading them to one of the above causes of concern outlined by Comenity.
I called Comenity bank the morning of Monday, XX/XX/XXXX after my 3 previous calls to the credit bureaus. I was told that the decision making was up to the provided credit reports, but after stating that I had contacted all three credit bureaus and had found no evidence of the listed issues, I was told I could not escalate this any further and was told to either file a complaint through the mail to them or wait 30 days to re-apply for the credit card.
After insisting to escalate this issue, I was incorrectly transferred to the wrong department and ended my call.
On the morning of Tuesday, XX/XX/XXXX, I called XXXX again to re-confirm my credit report and once again go over the reasons for my denial to see what was on my report that could indicate those reasons. I was confirmed that nothing on my account matched what Comenity saw, and in addition, I was told that they had no evidence of Comenity ever accessing my credit report.
After asking what I could do to solve this, the XXXX representative ( XXXX XXXX ) suggested I report this to the CFPB due to potential negligence on the part of Comenity Capital Bank to source my credit reports to make an accurate decision to give lines of credit.
05/18/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
WA
98503
Web
Older American
Comenity Capital Bank applied a {$1900.00} promotional finance adjustment. The regular payment schedule set by Comenity was not sufficient to pay the account in full within the 24 month promotional period as I intended.
In XX/XX/XXXX, I purchased my hearing aides from XXXX XXXX XXXX for {$5900.00}. XXXX XXXX XXXX offered exclusive no interest promotional financing through Comenity Capital Bank. I accepted the offer & agreed to pay the full amount with 24 equal automatic payments. There was confusion with Comenity at the start of the contract period because the automated payment schedule was not set up. The Comenity representative calculated & proposed a payment schedule. The amount was Ultimately automated payments began XX/XX/XXXX. An attachment lists all payments made to Comenity.
Only recently after receiving a payment due notice XX/XX/XXXX from Comenity Bank did I realize a problem existed with my account. I only understood the issue after the fact & after contacting both XXXX XXXX XXXX & Comenity Bank. The regular monthly payment was not sufficient and left the balance of {$650.00} at the end of the 24 month promotion. As a result, Comenity assessed over {$2000.00} in finance & late charges in XXXX which I only saw after the XX/XX/XXXX Comenity late-payment notice.
I paid each monthly payment via ACH & accepted paperless statements for economy and convenience. The impending balance on the promotional account went unnoticed by me. As soon as I noticed an outstanding balance and researched the circumstances, I paid Comenity Bank the XX/XX/XXXX {$650.00} balance. I appealed the additional charges with Comenity Bank. Comenity Bank senior representative XXXX politely repeatedly cited the contract terms but denied my request to dismiss the additional finance charges. Comenity has not responded to my secure email request for an appeal.
I contacted XXXX XXXX XXXX again, appealing for assistance to clear the dispute. XXXX XXXXXXXX XXXX VP of Sales responded that the bank is obligated to split the sum of the entire purchase into 24 equal payments and not reduce the payment amount in any way to deceive you and cause you to default and incur interest. Since Comenity calculates the monthly payments, " privacy policies prohibit me from discussing your account with your bank ''.
The harsh penalty is unacceptable to me.
02/12/2017
Yes
Credit card
Transaction issue
GA
30013
Web
My issue is XXXX XXXX. My issue is that there is always something with this card. It 's either the payment has n't had enough time to go through, or they have received too many payments, or the account does n't have enough history on it. This card is the only card that I have issues with that Commenity Bank backs. I have XXXX additional cards so far backed by Commenity Bank and I have never had an issue with any of those cards ever. I have never had a return payment, I make my payments on time if not XXXX weeks early. Not to mention that I just paid down XXXX of those cards below XXXX % utilization. I have never had a return payment, nsf payment, or any of that. Yet, XXXX XXXX can not seem to get it together. I was in Target today. I was trying to make a XXXX purchase and it was declined. The reasons that I received were payments had n't cleared, even though I received an email stating that the payments had been processed. I was told that I did n't have access to any credit limit at all. XXXX would n't you know, I did a small purchase through XXXX XXXX and it went through. I dislike being lied to. I dislike receiving subpar service. I dislike a company that takes advantage of me, my service, and my money. Not to mention the supervisor XXXX that I spoke that had a XXXX poor attitude all together. I have submitted a complaint before regarding this issue and promised that it would n't happen again and well it has. I will be receiving my XXXX XXXX card sometime next week. Once I receive that I will be doing a balance transfer to my XXXX XXXX card and closing my account permanently. I deserve to be treated with respect as a consumer and a customer. I do n't appreciate being lied to when I know that there is credit available on my account. I dislike it. I will be telling all my family and friends to cancel their cards and go elsewhere. I will be filing a complaint on the BBB website so that everyone can see the treatment of good customers. I dislike a decline on my account being labeled as check kiting. That is a term that is illegal check writing. I work in XXXX XXXX. I know exactly what that means. I do n't appreciate that being applied to my account when I am a model customer. I also dislike when the truth is being told to me after I let them know that a purchase was able to be made. I am not happy with XXXX XXXX at all.
08/30/2019
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
CA
94533
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Date : XX/XX/XXXX Re : Acct # Comenity Bank To Whom It May Concern : This letter is being sent to you in response to recent communication.This is not a refusal to pay, but a notice that your claim is disputed.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.
Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes.
In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim.
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
I also hereby reserve my right to take private civil action against you to recover damages.
Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In addition to this formal letter, XXXX XXXX XXXX stated that they never received any dispute allegations on this noted account but they have been updating the account with and I quote Disputed by customer, customer disagrees since XXXX. XXXX XXXX Services should not have to lie to prove that I am the intended party for this debt. There is no signature or any validation stating I was the party responsible.
09/08/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
PA
18951
Web
Servicemember
Step 1 : What is this complaint about?
I summited serval request to Comenity Bank to dispute the charges but was denied any resolve or remediation.
Dispute return payment and purchase for {$10000.00} ( {$5400.00} return payment and purchase {$5000.00} ) account # XXXX.
The purchase occurred on XXXX XXXX 2021 Step 2 : What type of problem are you having?
Fraudulent charges to my Credit Card for {$10000.00} Step 3 : What happened?
This return payment was a criminal act by a perpetrator who deposited {$5300.00} into my account to make purchase for computer products. After the computer products were purchase on XX/XX/2021 for {$5000.00}, the funds were removed from the credit card account ending in # XXXX. Reference Pennsylvania State police report ( # XXXX ). I never authorized payment from credit card account ending in # XXXX into the perpetrators account. That authorization to put money into the perpetrators account was authorized by XXXX XXXX XXXX. The money deposited ( {$5300.00} ) into the credit card account ending in # XXXX from the perpetrators account should have remained in the account ending in # XXXX. I file a police report with the Pennsylvania State Police. Police report filed under CAD/CASE No. XXXX. Please remove the {$5400.00} and {$5000.00} obligations from my credit card with XXXX XXXX XXXX because these charges are a result of criminal act of fraud.
See attached police report.
Step 4 : What company is this complaint about?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Step 5 : Who are you submitting this complaint for?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Time Line XX/XX/2021 Deposit, PAYMENT - made in account by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Withdrawal, RETURNED PAYMENT, taken from Comenity Bank Account by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Victim, purchase and mailed equipment ( XXXX XXXX ) XX/XX/2021 Victim contacted State police to report crime of criminal fraud and theft perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Victim contacted Comenity Capital Bank to report crime of criminal fraud and theft perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX ) and dispute all transactions and charges related to the crime.
See attachments : XXXX ) XXXX Comenity Bank Credit Card XXXX XXXX ) Dispute Documents - Comenity Bank Credit Card Sincerely, XXXX XXXX
06/25/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Overcharged for something you did purchase with the card
NV
89131
Web
Servicemember
I purchased a pet through XXXX. In order to purchase the pet the same day, I applied for a credit card. When I applied, I was told that there would be no interest charges on the balance and that the balance would continue to go down as I paid. I agreed to apply and accept the credit card mainly for this reason as I planned to pay it off in a couple of months. My documentation that I signed does not have any APR % listed nor did I receive any documents stating I would be incurring interest charges. In addition, the rep at the store specifically stated that i would not be charged interest so I assumed this was like and " in-house '' credit card owned by XXXX. When I received my first bill, I paid the minimum amount but the 2nd bill came back with interest charges. I contacted the credit card company on or around XX/XX/2020 after receiving my 2nd bill and noticing the additional charges and that my payment hadnt been fully applied to my balance. The rep I spoke to said that the only way that I would not be charged interest is if they had applied a promotion on the card. This was after I informed them that the store rep told me that I wouldn't be charged interest and my docs do not list anything regarding interest charges. I also stated that I was never given a time frame for no interest charges after the rep informed me that the promotions only last for 12 months. So I filed a formal complaint which they stated would be investigated. They pretty much took about 2 weeks to " investigate '' and tell me that I had to pay interest charges. They stated that " my purchase did NOT QUALIFY TO BE PLACED ON A PROMOTIONAL PLAN ''! THIS IS PRETTY CONVENIENT AS NO ONE EXPLAINED ANYTHING ABOUT WHAT, HOW, OR WHY A PLAN WOULD QUALIFY FOR A PROMOTION AS NO PROMOTION PLAN WAS EVER EVEN MENTIONED, ONLY THAT THERE WERE NO INTEREST CHARGES!! MY ISSUE WITH THIS IS THAT THIS COMPANY PRACTICED DECEPTIVE AND FRAUDULENT PRACTICES. THEY SHOULD NOT BE INFORMING CUSTOMERS OF ONE THING AND THEN CHANGING TERMS TO ANOTHER. I WAS TOLD I WOULDN'T BE CHARGED INTEREST SO I SHOULDN'T BE AND WOULD LIKE THE INTEREST CHARGES AND PAYMENTS TO BE REFUNDED TO ME. XXXX AND COMENITY BANK ARE NOT TO BE TRUSTED! I wish I never had purchased from them or signed up for this credit card. I will definitely be paying this off this month and closing this account.
03/17/2020
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Delay in processing application
KS
66030
Web
I applied for a credit card for XXXX through Comenity Bank in XX/XX/2020. 2 weeks later they sent me a letter in snail mail to send them copies of my driver license, social security card, and a recent bill. I thought this was very sensitive information to request and so I called to verify and they stated it was correct. I went ahead and mailed this sensitive information priority mail and called every other day to verify they received it because of how highly sensitive this information was. After 3 weeks from the time I mailed these documents, their mailing department put a note on the account stating they finally processed my information. I was told at that time over the phone that my application would be approved. 7 days later I received another letter stating my identity could not be confirmed. I attempted to call and no one from that department would speak to me to give me more information as to what was going on. I sent highly sensitive information and received NO COMMUNICATION except letters thru snail mail which did not provide proper information. The letter only stated if I wanted to contact them back to write them another letter thru snail mail. I do so and yet again I have heard nothing. I called today and now they are stating my application is closed because it is over 30 days which doesn't make any sense since everything has been on THEIR time and NO COMMUNICATION except random snail mail letters. I requested the company if they are not going to follow procedures then I want the hard credit report inquiry to be removed and my sensitive documents to be mailed back to me as they should not keep those records. This company needs to be reviewed on how they are handling applications, documents, and communication with consumers. My application should have never been closed due to identity as if there was any issues them their department should have contacted me with any questions. My address on my license has my previous home that I sold in XXXX ( which shows on my credit report ) and the bill I sent in with the documents showed my current address ( which also shows on my credit report ). This department did not follow proper procedures in researching/comparing my information properly with the selling and purchasing of my homes. No communication or followup on this process is a failure on their business.
07/31/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
CA
91506
Web
This morning I went to buy a furniture item on XXXX that cost around {$4300.00}. I added the item to my cart and went to the checkout screen. While there, I was solicited to apply for the XXXX credit card, it said I was pre-approved, and that I could take 18 months to pay for the item. Because this was a large purchase, that sounded like a good offer so I clicked through and applied for the card. After my credit was checked and my credit history dinged for a " hard pull '', it came back with me only being approved for {$2000.00} ( even though when I later spoke to a supervisor named XXXX, he said I have great credit ), which is obviously much less than the item price in my cart ( over {$4300.00} ). I called the company that issues the XXXX XXXX, XXXX, to see why the discrepancy occurred. They couldn't explain why, but offered to apply for a limit increase. After being on hold for a while, and having my credit history dinged AGAIN for a hard pull of my credit report, the person came back and said I was approved for {$4000.00}, which is STILL less than the price of my item.
This is very shady behavior. I'm sure the credit card company 's executives receive bonuses based on the number of new accounts opened in a given period of time. If shoppers are led to believe that they can get credit to pay for the item they are about to buy, only to soon find out that the credit limit they're approved for is far below what they'd need to actually purchase the item, that strikes me as almost-fradulent. After all, why not just hand out thousands of new accounts with small credit limits so you as a credit company executive can show a huge number of new accounts opened, regardless of the small credit limits. Perhaps less people would be approved if the credit card company looked at the actual price of the item someone was looking to purchase. Maybe it's better to have 1000 new accounts opened with a credit limit of {$200.00}, or {$500.00}, or whatever, rather than 100 new accounts opened with a credit limit of, in my case {$4300.00}, or more. I imagine that XXXX would be upset about this practice as well. After all, I imagine a lot of customers would walk away from their purchases after experiencing this kind of poor treatment.
FYI : The supervisor at the credit card company I spoke with is named XXXX, ID number XXXX.
02/10/2017
Yes
Credit card
Billing disputes
TX
76542
Web
I 've had serious issues with Comenity Bank rejecting my payments and reporting me late to the credit bureaus over it. I am under hardship programs to get my my balances down, due to the fact that, constant XXXX ups with the and then they claim that it was my bank rejecting the payment. My bank got involved and stated that any rejected payment would have had me paying fees, which, there was not. Some of my accounts would take the payment out just fine, but, then there were others, with the same exact bank number, they stated, the bank rejected. I filed BBB complaints on several times and a lady said she was removing all lanes from my credit report and the late fees. She told me that it would take a few billing cycles for both to clear. She removed the fees but, in the end, decided that she would n't remove the mark on my credit reports. During the year of 2016, many time when I would go and log on to my different accounts, the site would n't allow me to make payment and even, at times, would n't allow me to log in with my correct info. I found that the sites would suddenly work AFTER my due date, which, gave them another reason to apply more late fees. I decided that putting ( XXXX ) of my accounts in a hardship program would help me, because, they would drop my interest rate and I would be able to auto pay with them. This company does NOT offer auto pay on their websites, but, they will if you got on XXXX of their programs. Over the past few months, I noticed that I would get credit report alerts and when I checked, Comenity, even after me being on their hardship programs, would put a late on each month. Now, nowhere in any of the conversations with several customer service representatives did they mention that they would place a late on your credit report as they put you on their program. If that were the case, I would n't of ever signed up. There is even a computer that discloses all that we agree to at the end of the call and it never mentions this. I 've checked online and I have noticed that everything I 've gone through, there are tons of pages of complaints of it being done to others. It is not fair that they punish us and punish us without telling us that in our agreement. I even have the agreement on paper and it never stated that we would be reported to the credit bureau while on the program.
03/20/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
AZ
85713
Web
I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail which was {$6.00}. I called XXXX XXXX when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to XXXX since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.
11/16/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MS
39402
Web
XX/XX/2018 purchase {$24.00} XX/XX/2018 Payment made {$24.00} XX/XX/2018 Late fee assessed {$24.00} XX/XX/2018 purchase {$24.00} XX/XX/2018 late fee assessed {$27.00} XX/XX/2018 Finance charge {$1.00} I contacted the company today XX/XX/2018 about the late fees assessed on the account. I contacted the company because I was unaware of the late fees an especially them being {$27.00} for 1 day late. I called to make a payment an I was trying to explain to them that I am a XXXX XXXX XXXX an their was no way I could pay {$78.00} before XX/XX/2018. The 1st person I talked to I asked could I speak to a manager she told me she could just send me over to hardship so they could help me before she transferred my called she did a credit for {$15.00} on my account knowing that would be all they would credit me. Once the hardship rep got on the phone she told me she couldnt credit me nothing else because they had already did that one she was being a little rude so I asked to speak to a manager again. Once I got on the phone with the manager he took a look at my account then put me on hold an a woman returned I explained to all of the reps managers an associates that I am a XXXX XXXX XXXX I dont have a job an I know there is no way I could pay {$78.00} before XXXX. I told them I have the purchase payment of {$24.00} to pay right now an they told me I needed a minimum of {$32.00}. I told them that I could possibly beg someone for the other {$6.00} an pay it so I could have at least the minimum payment. I was sent to 4 different reps in which no one really helped me and 2 belittled me asking about my finances, how I pay my bills an how I get by, an do I think I could get a job. I tried explaining to them that I dont want the late charges to continue accruing because I cant pay the ones I have now. They wouldnt even set me a plan to pay what I have now all they said was I got to pay it in full by the due date or they gone continue charging late fees. I also explained to them that no one explained the late fees to me an I have not received a statement. I told them when I got the card I was out of town on vacation an I visited a store an they cashier told me that she could put all the information in on the computer So I did not fill out anything. Instead they told me I should have been aware of the the fees an due dates.
04/07/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
92677
Web
In XXXX, I purchased a couch from a XXXX furniture store in the XXXX XXXX XXXX CA XXXX Mall for approximately {$1800.00}. There was a year financing program being offered at the time, of which I took advantage. When I got my first ( and only ) paper statement, I divided the purchase price by twelve and set up automatic bill pay in order to pay off the balance in full prior to the expiration of the promotional period. The payments were setup so that Comenity Bank ( XXXX, Ohio ) received them on the XXXX of every month. According to the Bank, I was assessed a {$27.00} late fee because the payment scheduled in XXXX of last year was not processed until the XXXX because of XXXX XXXX. I was not advised of this fact at the time because I never received another paper bill. Supposedly, the Bank was sending e-mails which directed me to sign into their web site to see my bill. I never signed up for paperless billing and I dont do paperless billing with any of my accounts. ( Im old school I want a paper record for every financial transaction. ) I only learned of this outstanding balance in XXXX of this year when the Bank began calling and finally sent a paper statement. At the time of their first call, the Bank insisted that I owed them {$54.00} XXXX and growing ) due to the unpaid {$27.00} plus interest. I offered to compromise and pay the {$27.00} late fee from XXXX. The Bank declined.
After spending several days taking this matter up the Banks hierarchy to no avail, I filed a complaint with the XXXX XXXX XXXX XXXX XXXX Ohio against Comenity Bank. At that time I discovered that the Bank had received four ratings from its hometown XXXX - three Fs and one C. On XX/XX/XXXX, the Bank responded to my complaint by repeating that the charges are valid and increasing my balance to {$330.00}. So since this dispute began I have been assessed another {$280.00} of interest on the original {$27.00} late fee. This is unconscionable.
I paid the original purchase price, in full, in less than the twelve-month promotional period. Given that I have not been able to go into my office for more than a month and my income is down more than fifty percent, I do not intend to be extorted by a corrupt credit card company no matter how small the amount. Companies like Comenity Bank are making a horrible situation worse. Please help.
04/08/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
TX
75056
Web
After pulling my credit report, I was made aware of an unauthorized debt appearing on my credit report via Comenity Bank/Victoria Secret in XXXX. Because I did not authorize the debt I contacted Victoria Secret and filed an identity theft affidavit with the Federal Trade Commission.
Comentiy Bank asserted the account was closed because of questionable activity after an identity document was provided by a fraudster which did not match the documentation on file. However, Comenity Bank/Victoria Secret is complicit in the fraud as they refused to remove the account from my credit report.
In XXXX, I made the identity theft affidavit available to Comenity Bank/Victoria Secret. I also requested removal of the fraudulent account from my credit report. Instead of protecting my information and removing the fraudulent account Comenity Bank/Victoria Secret further compromised my personal identifying information and participated in DECEPTIVE TRADE PRACTICES by selling an account it knew was initiated via fraudulent means to a collection agency, more specifically XXXX XXXX XXXX. As a result, XXXX XXXX XXXX placed the account on my credit report in XXXX. At this point both agencies were violating Fair Credit Reporting Act by simultaneously and erroneously reporting the fraudulent account on my credit report Consequently, after I contacted XXXX XXXX providing them with my FTC identity theft affidavit. As a result, XXXX XXXX removed the fraudulent account from my credit report in XX/XX/XXXX.
Unfortunately, Comenity Bank has refused to remove the fraudulent account from my credit report. Instead of Comenity Bank contacting the purchaser of the fraudulent debt to verify removal of the fraudulent debt, XXXX, a manager in Comenity Banks Charge Off Department, requested I obtain a letter from XXXX XXXX XXXX verifying removal of the account from my credit report. I obtained the letter and provided it to XXXX with COMENITY BANK/VICTORIA SECRET.
Subsequently, after receiving proof the account was fraudulent via unmatched identification provided by fraudster prior to the selling of the fraudulent debt, FTC identity theft affidavit and letter from XXXX verifying the account is closed and removed, XXXX as a representative of COMENITY BANK/VICTORIA SECRET has refused to remove the fraudulent account from my credit report
09/05/2019
Yes
Debt collection
Other debt
False statements or representation
Attempted to collect wrong amount
IL
60190
Web
My very elderly mother took out a HealthiPlan credit payment plan administered by Comenity Capital Bank on XX/XX/2019 to finance her XXXX XXXX with the express understanding from the manufacturing company that I would be able to administer the account as her only immediate family and power of attorney. My mother is XXXX years old. When I attempted to contact Comenity on XX/XX/2019 to discuss the current balance due, they refused to discuss my mother 's account with me unless I sent them a copy of her Power of Attorney document designating me as such. As she is XXXX and XXXX XXXX, and I live in another state, that was not practical. I explained this to them. The customer service representative and her supervisor were both very abusive, rude and unhelpful. When I called again on XX/XX/2019, they changed their story and now said if my elderly mother called them and gave verbal authority to make me an authorize speaker for her, they would discuss her now overdue amount and the late fee they had charged, which I wished to contest. Despite it being very exhausting and distressing for my mother to try to work her way through their automated system and make the very specific request that they demanded of her, she did exactly that. I called the company again today ( XX/XX/XXXX ) to try to discuss the bill and removal of late fees as they had made no effort to contact me directly in the last 5 months, yet they still refused to discuss the account with me and said I was not authorized to discuss late fees with them. Again the customer service representative was very rude and curt and unwilling to provide me with any advice or further help. I feel that they have been misrepresenting themselves throughout the entire process and giving me and my very elderly mother different hoops to jump through, at the end of which they still refused to discuss the one thing I told them I wanted to discuss back on XX/XX/XXXX. On every occasion that I contacted them, I said that I was happy and eager to get my mother 's account up-to-date as soon as they removed the late fees, which I feel were unfair given their refusal to work things out with me in a timely manner. Throughout these 4 months they have never once tried to contact me directly, but continue to make collection calls and send collection notices to my poor mother.
12/26/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
32707
Web
I want to make a complaint regarding a XXXX XXXX XXXX credit card associated with XXXX XXXX.
In XXXX, they offered me the credit card mentioned before, without clarifying that I had a charge for late payment of the same amount consumed.
In XXXX I make a purchase of {$19.00} that should be paid in XX/XX/05, that day I forget to pay the card and I remembered it 3 days later, I log into my account and I had that balance of {$19.00} for which I made the payment.
After that, did not make more purchases with that credit card. One month later, on XX/XX/XXXX, I received an email with a balance to be paid of {$41.00}, what surprisingly corresponds to the " late fee '' of the XXXX payment ( which never appeared in the account when paying my balance ) and another " late fee '' of the following month for not having paid the late fee of the previous month.
When they gave me knowledge of that, I automatically asked to close the account, because it is absolutely unfair that they keep adding late fees of the same amount that was consumed or not paid and also I did not want them to keep adding late fees of a card that I do not use.
It turned out that despite having closed the account, I still get late fees for something I was never notified.
1- I never got any statement that had late fees until XX/XX/XXXX, or one and a half months later ( In addition, in my case, since I had not made more purchases with that card, I did not log in the account to verify expenses and balances ) 2- According to XXXX XXXX the late fee automatically appear in the account the next day of not having paid, so then, why it did not appear in the account when I log in to pay it three days later, in that case I would have never let that much time went by, and would have paid it at that moment.
3- Which is the reason for not being notify during two months of the account balance and now I keep receiving mails and phone calls with debts that do not stop increasing only for 3 days of delay, I insist, I never received notifications about it and also when I log in to pay it did not include the charge for late payment ( then how could I know what I should paid if it was not included in the account ).
Please, I consider it is very unfair to pay a debt for something that XXXX XXXX XXXX or the bank does not communicate in due course.
03/28/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
FL
33019
Web
I initiated on XX/XX/XXXX a credit line increase with XXXX XXXX, which was approved THAT VERY DAY. No hard inquiries at all. ( I have had increases in the past without issues. It has always been a soft pull. ) On XX/XX/XXXX, credit line increase from XXXX XXXX is reported to the CRA and shows on my report. All is well. I am happy.
Comes XX/XX/XXXX, the CRA reports that on XX/XX/XXXX is when the inquiry was made and XXXX XXXX requested to see my report. XX/XX/XXXX not XX/XX/XXXX.
As I have been a victim of identity theft, I panic and contacted XXXX XXXX fraud department and a gentleman tells me that its the order of business for the company and most companies to do hard pulls for XXXX. They just sent the request to the CRA to pull my credit for something that happened 3 weeks before.
I told him that sounds weird to me that XXXX XXXX would do a pull after the fact, 3 weeks later. I told him that was wrong and I want the hard inquiry removed. Besides, it was a mere {$500.00}, so they can take that back to and I will report to all the forums how XXXX treats its customers and customer information.
I am very disapointed in XXXX. Anyhow, see below the alert From XXXX on XX/XX/XXXX and then on XX/XX/XXXX. The pull was made 3 weeks after the fact!
XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Retail Inquiry XXXX obtained a copy of your XXXX Credit Report.
A lender has requested a copy of your Credit Report for a home retail loan. Every time you apply for credit, a 'hard inquiry ' is placed on your Credit Report and it may stay on your report for 25 months.
Alert Details Alert Date XX/XX/XXXX Source XXXX Company XXXX Address XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Limit Increase Retail Card Congratulations! XXXX raised your credit limit to {$2100.00}.
Credit limit is the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. An increase in your credit limit may positively impact your Credit Score.
Alert Details Alert Date XX/XX/XXXX Source XXXX Company XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Activity Revolving Charge Accounta Previous Limit {$1600.00} New Limit {$2100.00} Is anything incorrect?
10/03/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
AL
35244
Web
Older American
In XX/XX/XXXX, we purchased jewelry from XXXX XXXX. and they strongly recommended that we open a XXXX credit card account to take the advantage of paying off the jewelry over a period of time without interest. We followed their recommendation and opened an account. The card was actually with Comenity Bank. There were two different purchases. To avoid interest the balance of one had to be paid off by XX/XX/XXXX ( {$1800.00} ) and the other had to be paid off by XX/XX/XXXX ( {$5200.00} ).
In XX/XX/XXXX, we noticed they charged the late fee and we called them, they refunded the late fee. And with their representative, we requested Comenity to set up automatic payments on the account in an amount that would pay off the balance by the XX/XX/XXXX deadline. Prior to that we had been paying {$450.00} a month on the account. Comenity started the automatic payments at {$310.00}, then changed them to {$300.00}.
When we checked our XX/XX/XXXX bank statement, we saw that Comenity had continued to take {$300.00} out of our account, then we checked the Comenity statement and found that they still showed a principal balance on the account and had added over {$1500.00} in finance charges. We called to complain.
Comenity stated that the automatic payments were not enough to pay off the principal by XXXX, because it was minimum payment which is bad excuse because we set up with their representative for a minimum payment necessary to pay off the account in XX/XX/XXXX. We can not accept this excuse. We requested that they reverse the finance charge and allow us to pay off the remaining principal since the automatic payments were supposed to have paid it off without interest in XXXX as we discussed with their representative. They refused.
After this, we saw the reviews about this bank, many people were trapped by them in this way or another.
Our bottom line is that we talked to their representative and requested the autopay be set up to pay off the balance before XX/XX/XXXX ; the payment amount was calculated by them ; and they also automatically changed the payment amount from {$310.00} to {$300.00} in XX/XX/XXXX.
We have made a payment to them for the remaining principal and need your help to get them to rescind the finance charge and change their behavior so more innocent people are not trapped and cheated.
06/09/2017
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
CO
80249
Web
Servicemember
In XX/XX/XXXX, I visited a Zales store in XXXX to purchase an engagement ring. I was induced to purchase a ring at Zales because the salesman assured me that I would not pay interest for the first 12 months. When I inquired further about the interest, he said that starting on the 13th month, interest would begin to accrue at about 30 % APR. I specifically asked if it was a deferred interest deal and the salesman assured me that it was not.
I accepted the salesman 's offer of zero interest for the first year and purchased the ring. On XX/XX/XXXX, only a few days after the one year anniversary of the date I purchased the ring, I called Zales to pay the entirety of the bill for the ring so that I would not accrue interest. Much to my surprise, they informed me that I must pay {$620.00} because my promotion was in fact a deferred interest deal. I explained the conversation I had with the salesman and I was offered a 33 % reduction in interest. I asked to speak with a manager, and the manager I spoke with offered me 50 % off. Since I was sure there had been deceptive practices involved in the sale of the ring, both in a misrepresentation of fees and costs and misrepresentation of the benefit of the product, I did not accept the offer. The manager informed me that he would draft a complaint letter for my review and signature and my interest would be stayed for 30-60 days ( I understood that this date would start on the date I submitted the signed complaint ) while it was independently assessed by an arbitrator.
On XX/XX/XXXX I called Zales to get more information about how to submit my complaint. I again was transferred to a manager who stated that my complaint was submitted on XX/XX/XXXX and was resolved on XX/XX/XXXX. She informed me that interest would therefore not be stayed. I asked her for the 50 % reduction that the previous manager had offered and she informed me that there was no evidence of such an offer being made and she was not empowered to waive any fees or costs.
As a consumer I am deeply concerned with Zales ' deceptive advertising practices. I respectfully request a waiver of the interest incurred during the first 12 month period. If this is not possible, I request that my interest be stayed while I seek legal counsel regarding this matter.
Respectfully, XXXX XXXX
12/16/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
FL
33714
Web
Servicemember
XX/XX/20 I called Comenity Capital Bank at XXXX and spoke to an agent inquiring about why my payments were being marked late, and the agent wasnt sure and told me I needed to take it up with their credit department and was transferred to XXXX XXXX
This was not helpful to me, so at XXXX I returned the call and spoke with another agent, and asked not to be transferred to the credit bureaus because it was not helpful. This agent was trying to look into my account to find out why my account was being recorded as late. He pulled up my payment history and was just as confused because all of the payments had been made on the due date. He said was trying to change it in the system to reflect not late, but was unable to do so and that I would need to talk to someone in the credit department to have them fix it. He also said he had a connection in the credit department and transferred me to a call cue at XXXX XXXX. This was not helpful.
I called back at XXXX and spoke with another agent inquiring about how I can get something in writing saying the accounts were not paid late as two agents earlier in the day had already said. He told me, they were marked late because the payment was not the full amount due.
Caveat to this- I was on a 3 month plan to get current because while I was on maternity leave ( XXXX ) I was unable to make my payments because it was a huge pay cut. Once their grace period ended they added all of my payments together and that was total due. Something around XXXX. Theyre collection department set up the payment arrangements, amounts, and even the auto drafts from my account. So I know that what this guy was saying was false information.
He kept putting me on hold and couldnt find any other reason that my payments were being marked late other than they were less than the $ XXXX due. I asked him if there was something he could give me in writing showing that my payments were not late for those months. He told me I had to request it in writing from the credit department and then they would take 30-45 days to respond and dispute any information. I told him, before I can dispute it with the credit bureaus I needed a letter saying my payments were in fact, not late. He just kept telling me the above information. He said requesting this in writing was the only way to move forward.
07/02/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
GA
30005
Web
!!!! THIS IS NOT A DUPLICATE COMPLAINT!!!!
I have two complaints about this bank 1- This bank processed a payment {$990.00} un XX/XX/XXXX from my bank account without my authorization After signing an Covid 19 Hardship agreement almost 2 weeks before, I agreed to schedule automatic payments of XXXX every month for 12 months. It doesnt make any sense that I sign an Hardship agreement to reduce my payments to {$110.00} dollars for 12 months and then I authorize them to take from my checking account XXXX dollars.
2- The hardship contract say that after first 3 consecutive payments of XXXX dollars they will delete all my late payments fees. But I called them they said that is not like that, they will removed late payments fees only for 3 months.
about XX/XX/2018 We open an account with XXXX XXXX thru Comenity Bank, The credit limit was XXXX, We used the full XXXX dollars, at that sign up with a promotion if we paid the full amount by one year later they will not put interest charges on the loan. After the first year we couldn't pay the total XXXX dollars. So after the first year the started applying I think 24 % of Interest Up today, after 2 years, I had paid about XXXX dollars, so the balance will be XXXX - XXXX equal XXXX plus interest and late charges of course. This month I find out that the balance on this Account is XXXX, making some easy numbers on this process, they are charging me extra XXXX dollars, I think this amount its completely exaggerated after 2.5 years after opening the credit. Today I called them to ask them to reduce the total amount, because due to the coronavirus me and my wife are not working, the denied, they put me on a special plan, that reduce my montly payment to XXXX and charging for 12 months only XXXX per cent. The promised me to remove the late charges, after the call there is a recording saying that after 3 consecutive payments the late charges will be remove. but after I called them again the denied that, that will be removed only 3 late payments. Any way, they are lying, because they are saying only 3 months on the recording that hear after the call. anyway, I dont think that adding adding XXXX to my debt its 100 % exaggerated, I think they are not going by the law. Please Help me with these people, Please please Thank you XXXX XXXX XXXX XXXX XXXX
08/16/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
PA
19004
Web
I want XXXX XXXX to answer, IN DETAIL, my questions. They tell me they have answered my questions, but if they read my letters they should understand that they really have not answered them at all. And that some of these questions have been unanswered since, at least, XX/XX/XXXX. And Ive been calling almost every month since XX/XX/XXXX when they took this account over.
Answers of your account is right or we previously answered your questions and have not received and additional information supporting your claims are all untrue. My letter of XX/XX/XXXX gave them copies of 5 charges I made to the account. My letter of XX/XX/XXXX included a 6th receipt dated XX/XX/XXXX that was an adjustment - A CREDIT, NOT A CHARGE.
They claimed they have matched the receipts to the statement. But there is one plan that I dont understand, I have no receipt for it ; and all they will say is that it is right. WHERE IS THE RECEIPT FOR THAT PLAN ( XXXX ) Here is the match of the receipts against the payment plans.
RECEIPT DATE AMOUNT PLAN PLAN NUMBER STATUS : XX/XX/XXXX -- XXXX XXXX INTEREST/IN FULL 12 MONTHS XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX XXXX MONTH/ {$120.00} PER MONTH XXXX -STILL IN PROGRESS XX/XX/XXXX XXXX XXXX MONTH/ {$80.00} PER MONTH XXXX -STILL IN PROGRESS XX/XX/XXXX XXXX -NO INTEREST 12 MONTHS FULL XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX -REVOLVING NO PLAN NO BALANCES EVER SHOWN ON STATEMENTS -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX XX/XX/XXXX STATEMENT SAY -WHERE IS THE RECEIPT FOR THIS??? WHAT IS THIS FOR?
-PAYMENT PLAN XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT I HAVE NO RECEIPT FOR A XX/XX/XXXX CHARGE RESULTING IN A PAYMENT PLAN. PLEASE PROVIDE A COPY OF THIS CHARGE. AND IF MY XX/XX/XXXX LETTER IS READ I INDICATED THAT THE ADJUSTMENT ON THAT DATE WAS {$230.00} CREDIT WITH A CHARGE OF XXXX TO GIVE MY ACCOUNT A {$50.00} CREDIT AND WAS HANDLED ON THE XX/XX/XXXX AND SHOULD NOT BE A PAYMENT PLAN IF THAT IS WHAT YOU WERE DOING.
PLEASE ANSWER THIS!!!!!!!
P.S. Sending copies of all the statements is not an itemization of each of these plans and the revolving. I sent what I was able to do in letter of XX/XX/XXXX. Answered only with " already answered '' and IT WAS NOT!
XXXX has copies of receipts for 5 charges and 1 adjustment.
04/25/2018
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt was result of identity theft
MD
20866
Web
Older American
I found out I had a judgement/lien placed on my home by XXXX, XXXX, XXXX XXXX XXXX, XXXX. back in XX/XX/XXXX. The only reason I found out was through a Title search company. That company is acting on the behalf of a person who may be interested in the property ( which has no value ) That title company without my knowledge contacted the XXXX, XXXX, XXXX XXXX XXXX, XXXX. to obtain a payoff amount. I later found out the details of this debt steaming from a company called " XXXX XXXX XXXX '' XXXX XXXX XXXX was purchased by Paypal Inc and assumed the debt. The original debt was {$3000.00}, evidently XXXX, XXXX, XXXX XXXX XXXX, XXXX. filed a judgement against me and sent a court appearance to my home. I was not aware of this court appearance my son who is XXXX and since deceased may have signed for it. I am in poor health and rarely left my room. Since I did not appear the judgement was found in favor of XXXX, XXXX, XXXX XXXX XXXX, XXXX. back in XX/XX/XXXX. Since then this judgement has accumulated interest and now has a balance of over six thousand dollars. I contacted them the first time in XX/XX/XXXX and explained the entire situation, they only offered that I make an offer to settle. Even though I did not have knowledge of the bill I asked to pay the original XXXX XXXX dollars. They notified me the next day that their client Paypal counter offered for {$4500.00} and that agreement was good until XX/XX/XXXX. I however got sick and was hospitalized and never was able to make the agreement. I called back in XXXX and explained the situation again, this time a representative of XXXX, XXXX, XXXX XXXX XXXX, XXXX. informed me that I had other options being a victim of identity theft. I filed the affidavit on the federal government website and sent XXXX, XXXX, XXXX XXXX XXXX, XXXX. the documents on XX/XX/XXXX. They said they would review this information with their client, I have made several phone calls and emails since and have received no further information. I am XXXX XXXX years old and on a fixed income and have health issues, I am attempting to finalize this situation but can not seem to get any information. When I made the first agreement back in XXXX they had an answer in ONE day to collect money. It is not XX/XX/XXXX and I do not understand why this is taking this amount of time.
01/25/2017
Yes
Credit card
Billing disputes
AL
36582
Web
I am being charged interest from a 12 month interest free account with Zales Jewelers. I returned the ring only having it for 3 months, the ring was apparently defective, durning the 3 months, I had complained the diamonds were loose, then fell out..the ring was sent out for repair. I hardly had my wedding ring in my possession, so even after repair the diamonds fell out again, at this point, I Returned the ring and loose diamonds, and purchased a new & different ring ( # XXXX ring also placed on a 12 month interest free promo. ) The purchase amount of the returned ring continued to show on my billing statement throughout the year, and on 12 month promo, showing XXXX promos on my billing statement, XXXX was returned, I have called, complained, filed disputes, also faxed " return receipts '' to the disputes department as directed by their customer service associate, then when the first ring promo was up..I was then charged the years worth interest XX/XX/XXXX, I have filed several disputes and complained to the local Zales store, spoke with the manager XXXX, she also called the Comenity Zales credit card services, and once again, they said they had to file a dispute..I was told by XXXX, Zales Manager, they could not help me with this problem that the invoicing shows different on Commenity credit services, on their computer?? ( I faxed the receipts to Comenity ) and still sends me a " sorry your on promo and charged correctly ''. XXXX Zales manager also says the charges are incorrect. I also had to make a double payment XX/XX/XXXX, being told if I did not make a payment they could report me for having a dequlient account. Please help. I can give you receipts of the return and purchase..also dispute rejection letters..they always say give me 60 days, then it 's the same thing..rejection of the disputes! I was told by XXXX during the ring refund they could not refund the extended protection plan. So I have paid for the extended protection plan on both rings.
XXXX of the returned receipts show " cash '' given back, I did not receive any cash, XXXX ( store manager ) can confirm, she called Commenity and let them know I did not receive cash, XXXX return receipt says " return '' XXXX receipt says exchange ''. The receipts are very confusing.
I have all of my billing information, receipts.
07/29/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
27703
Web
Comenity Bank is the issuer of a XXXX XXXX XXXX XXXX XXXX store credit card. I paid the recommended amount of {$350.00} or more every single month ( not the minimum payment of approximately {$60.00} ) in order to avoid being charged an accrued interest payment at the end of an 18-month promotion. The last statement makes a note to list the end of the promotion period, which is a mid-month cut off date. But, the MAIN landing page of the credit card website with the ACCOUNT SUMMARY makes no mention of the end of the promotional period. The ACCOUNT SUMMARY portal on the website is where payments are made and where they recommend how much to pay on a monthly basis. The fact that the end of the promotion was not clearly identified in the ACCOUNT SUMMARY section of the website or not identified in the payment portal is very deceptive in my opinion. To my knowledge Commenity made no effort to provide email communication or notification on the main landing page of the website that the promotional period was ending or that a {$980.00} finance charge would be assessed if I did not make one last small payment of {$210.00} in the middle of the month. Further more because it was XXXX XXXX XXXX XXXX XXXXXXXX XXXX credit card and I only made 2 purchases on that credit card there would be no routine reason to check credit card statements. One of the primary reasons that people check a credit card statement is because the want to verify their purchases and make sure that there are no mistakes in their purchase history. I believe that Comenity is counting on the fact that due to the nature of the store credit card, where people clearly remember what they purchased, that they will not go ahead and read the credit card statement as they would with a traditional ( non store specific ) credit card. Comenity 's belief that consumers will not read the statements is the reason that the notification of the end of the 18-month promotion can only be found on the statement and is not identified in any other way by Comenity bank.
In short, I believe that Comenity bank acted deceptively and they are unwilling to credit and remove the accrued interest charges.
I will attach my statements as well as a screen shot of the Comenity Bank main landing page and XX/XX/2019 emails that I recieved from Comenity Bank.
08/10/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
MA
02186
Web
I was reported 30 days late in XX/XX/XXXX for a credit card account with COMENITYCB/XXXX. I submitted a dispute to XXXX on XX/XX/2019. The XXXX update shows me 30 days late in XX/XX/XXXX and XX/XX/XXXX of XXXX. COMENITY is reporting that the monthly payment due in XX/XX/XXXX was {$240.00}, however, the online payment portal showing payment due shows {$140.00}. I raised this issue in XX/XX/2019 with a phone representative, who explained that I was formerly in the Hardship Program paying $ XXXX monthly, yet upon completion of the Hardship Program in XXXX the online portal system had not yet been updated, and that I had missed a payment forfeiting the benefit of the Hardship Program. I was told that if I missed a payment then the full higher payment would be due, calculated to be the higher amount prior to the Hardship Program. HOWEVER, when I called Comenity to complain, the phone representative explained that if the Collection Representative who calls is not an employee within the Hardship Department they will not be able to read the consumers account correctly to advise them on the correct payment to be made. When the Collection Representative called me in XXXX and XXXX seeking payment they asked me to pay the amount posted in the online system. One also noted that I made a double payment in XX/XX/XXXX and did not understand why their computer system identified my name to be called. Also in XX/XX/XXXX the payment payment says the minimum due is {$240.00} by XX/XX/XXXX. Yet the online PDF paper statement says the minimum due is {$530.00} by XX/XX/XXXX. The portal has never reflected the amount {$530.00}. This is a miscommunication to me as the consumer. The payment portal should accurately reflect the minimum due for XXXX, which is {$530.00}. Consumers should be able to rely on the information in the payment portal and not have to double check by launching a PDF to confirm the accurate amount. Therefore, I think it is unfair to consumers for Comenity to have an expectation that consumers pay an amount that is different than what is posted in the payment portal. It is an unfair business practice for Comenity to list an amount due in the payment portal, yet print a different amount in the Statement that Collections Representatives have not been trained to discuss with Consumers.
05/31/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
CA
93277
Web
I opened a Victoria Secret Card through Comenity in XX/XX/XXXX with a credit limit of {$250.00} and minimum payment of {$28.00}. At the end of XXXX they lowered my credit limit and raised my minimum without notice to which I attempted to resolve with their company with no luck. So on XX/XX/XXXX I filed a complaint here with the CFPB to try to resolve as my limit was lowered after a purchase was made the would put me over this new, lower limit making my account unusable and my credit show as over the limit which affected my overall credit usage. Comenity responded XX/XX/XXXX by raising my limit back to {$200.00}, waiving my XXXX payment and removing a late fee I was wrongfully charged. I made 3 payments in XXXX anyways and paid off my balance on XX/XX/XXXX, on XX/XX/XXXX I sent a secure message inquiring into why I hadn't received my XXXX statement as I usually receive it before the end of the month. I received a secure message with an attached file on XX/XX/XXXX, stating they had received final payment, yet I did not receive a statement. On XX/XX/XXXX I received another secured message this one stating my account had been closed due to inactivity and new credit information. I contacted Comenity to ask what they viewed as inactivity since in my view I made 3 payments the month before so I have only been inactive for 1 month. And if they are talking about purchases it had only been 4 months since last one and only that long because of how long it took to fix issues with my account. The response I received stated my inquiry was sent to a different department and I would receive a response from them. Then I realized I had a few items to ask about and explain so I replied back stating I have {$10.00} reward from purchases and a 20 % off XXXX XXXX Anniversary Gift that had to be used by XX/XX/XXXX. But that also could only be used with my card that was now closed. And to explain the mistake with the lower score on the credit report they decided to base their decision on. Explain how my credit score had just taken a huge hit since my student loan servicer noted my account wrongfully as deferred, which it was not supposed to do under the CARES Act, but has since been rectified. To which they responded they already forwarded my request if more information was needed I be notified.
02/08/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
FL
34689
Web
Servicemember
I opened a XXXX XXXX credit card of XX/XX/XXXX. The bank that administers the account is Comenity Capital Bank out of XXXX XXXX TX.
My first complaint about Comenity Capital Bank is they do not have any auto pay function on their website. It is clear they are looking to charge a late as a tactic to make money. My major concern is when, I opened the card the cashier at XXXX XXXX said I should apply for a store card because it has zero interest for 12 months. He explained that after 12 months the card would start charging interest which has been typical in my lending experience. Never did the store associate explain they would charge all the interest for the promotional 12 month period. I have been making minimum payments on the card for the last 12 months and the statement reminds you that you need to pay off the balance or you will be charged ACCRUED interest charges. I'm not a finance major and was not aware that accrued means ALL interest. As I mentioned early, I was told the interest would start after the 12 month promotion so I didn't pay attention to the term accrued interest. When applying for the card all I signed was a 2 '' x3 '' LCD screen which is the " AGREEMENT. '' I took the associates word for how the terms of the credit card work since it is impossible to read the " terms of agreement '' on the tiny screen. It was my error for not viewing my credit card statement in detail each month, but today XX/XX/XXXX I noticed a charge for {$280.00} for the accrued interest. I was told that the interest would simply start at the end of the 12 month period. I called Comenity Bank and was transferred four times and they said sorry nothing they can do and I signed an " agreement '' ( which was on a 2 '' x3 '' screen ). I explained my concerns and told them they are intentionally misleading consumers starting at the XXXX XXXX store. They said I should have looked at page three of the statement where it told me what the accrued interest was in same small black print as the rest of the various numbers. I asked why they couldn't put this on page one in bold red numbers saying this is what you will have to pay if you don't pay your account by the specified time. This is clearly a tactic they use to generate revenue. It isn't at all transparent and it is predatory in nature.
03/04/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NY
14221
Web
I pay the full balance on my credit cards on time every month, but on XXXX XXXX, XXXX, I was late by a few hours from the cut-off time and paid the full balance, {$370.00} for BJ 's Perks XXXX Mastercard by Comenity Bank XXXX XXXX pm on the due date. ( I had been scheduling the payment on my mobile phone that afternoon, my phone died before I completed the process and I couldn't charge the phone until I was back home later in the evening. I called the representative to explain the situation but could not have the prospective late fee waived because I had a previous late payment incident a few months before, unfortunately. All my other credit cards are always paid on time, but it just happened that I was in unfavorable situations on the payment dates for the BJ 's Mastercard two time that were quite close together. ) So the following month, the billing statement included a late fee and interest charge, for which I paid the full balance ( purchases XXXX + late fee 35 + interest charge XXXX = {$230.00} ) on time on XXXX XXXX. But again this month, I was surprised to find another interest charge ( {$5.00} ) in the billing statement ( due on XXXX. XXXX ). I called the credit card company to have the error rectified, but got an answer that it was NOT an error and it was due to the residual interest. I had never experienced a residual interest issue before. Is it legal to charge interest two months in a row when there was only one incident of late payment?
The supervisor on the phone told me that I should have asked to pay off the interest IN ADVANCE over the phone when I was late in payment in order to avoid a residual interest charge. It still didn't make sense to me because what she refers to is the interest that was charged the first time. And if the residual interest was generated at all, it shouldn't have been as big as the initial interest charge, should it? How can the interest have accrued that much after I paid the full balance in XXXX and again in XXXX? When I talked to a second supervisor, he informed that the residual interest policy was newly implemented since XX/XX/XXXX, but when I checked my previous statements, nothing of that sort could be found for my first late payment which happened back in XXXX. I find Comenity Bank 's fee policy dubious and deceptive.
05/05/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
PA
17603
Web
I keep receiving phone calls from a " unknown '' number. I finally answered it today and it was from a credit card that I acknowledge that I owe the balance. The guy on the other end of the line from the bank was very belittling and demeaning to my current situation. I am currently in a wrongful termination suit against my former employer XXXX. The gentleman on the phone was very intrusive as to my personal finances and who was paying my current bills. He wanted to know how I was paying for my cell phone and who was making my car payment. He went on to inquire who was paying my rent. He kept saying I need to get out of bed and be responsible. After repeated comments about me being immature and when I was ready to have an adult conversation he would be willing to help me. I asked how I was being immature and what help he could offer. He said I needed to ask my family and friends. I told him that my family has no been a part of my life for about 10 years ... .the same reason I am in a wrongful termination suit is the same reason my family doesn't associate with me. I told him repeatedly that my family does not associate with me. He continued to say that I needed to ask my family.
Then he started in that I needed to get odd jobs and get paid " cash under the table. '' I said that is not actually legitimate and stealing from the government ... .to get paid " under the table. '' He said he can't be held responsible for my immoral decisions. I told him that he was encouraging immoral behaviors. To which he responded, " i don't care how you get the money you just need to get us the money! '' The guy got more and more indignant and started to yell. My friends were here and heard how he was talking to me and told me that it was absolutely inappropriate the way he was talking about my situation. After he told me I just needed to pawn everything and make a payment to the bank, I knew I was through and was not listening to him any longer.
The attitude and the way he demeaned me on the phone was unnecessary. I refuse to be talked to in such a manner. After I just declined to make a payment due to his attitude is when he really went off. He said he would just continue to call me everyday and bug me into making a payment. I can't block the number because they call from " unknown. ''
09/29/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
TX
76063
Web
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Comenity Capital/XXXX, as well as, a collection agency by the name of XXXX XXXX XXXX XXXX XXXX.
Comenity Capital has deceptively charged off a credit card account, and sold a false fraudulent collection amount of {$360.00}, to the above named collection agency, in my name.
The account ending in XXXX was paid in full several times, but Comenity Capital kept adding false fraudulent late fees, and charges to the account, thereby refusing to allow me to pay off the balance I owed to close the account.
As my attached statement shows, I owed Comenity Capital {$62.00} as my total balance on the account in question as of XXXX of XXXX.
I made payments to Comenity Capital in the amounts of XXXX, XX/XX/XXXX, ( Confirmation # XXXX ), as well as XX/XX/XXXX I paid {$36.00} ( Confirmation # XXXX ), these two payments were more than enough to pay off what I owed to the account.
What Comenity Capital has done, is to continue to add a {$39.00} loan sharking fee, along with finance charges, to a false past due balance that they have created on the account, and have ran this balance up to the {$360.00}, that they have falsely put my name into collections for.
I am attaching a copy of my credit report, and on the report you will see that they are not showing the true information as to how they have come up with the false fraudulent balance that they are trying to make me responsible for, the {$360.00}.
For starters, when you look at my credit report you will see that in XX/XX/XXXX, they are falsely claiming that I owed {$91.00}, when in actuality as the statement that I have sent in with my complaint shows, I only owed them {$62.00}, and as stated Ive paid them all of what I owed to them.
I would like the Consumer Financial Protection Bureau fully involved in my complaint, both Comenity Capital, and XXXX XXXX XXXX can contact the Consumer Financial Protection Bureau, the Bureau can contact me.
I want Comenity Capital Bank, and XXXX XXXX XXXX, to cease and desist from contacting me again, about their fraudulent debt.
XXXX XXXX XXXX just took it upon themselves to slander my credit without verifying this debt first, they just went and took the word of Comenity Capital Bank without contacting me.
11/01/2021
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
NJ
07111
Web
My name is XXXX XXXX and I had been a Commenity Bank credit card holder for over 6 years. In XXXX and XXXX of XXXX Comenity Bank decided to close both my Lane Bryant and XXXX XXXX. I was told that the account were closed due to some negative information on my credit report. I found this out after I was trying to purchase items to buy in the store. I called customer service and they said that there were negative items that were on my credit report and they decided to part ways and shut down my accounts after 6 years of on time payment history. I was never late and always paid on time. I was entirely shocked and couldn't believe it at all. So I contact the credit bureaus and the items that were negative were not mines. These accounts were opened without my authorization. So I disputed the items as fraud I had to go and get a police report and FTC Affidavit and I forwarded these items to the credit bureaus and within a month or so the items were removed due to identity fraud. So having this new information I then mailed all these documents to commenity to show them that my accounts should be reopened as those negative items have since been removed as identity fraud. I called customer service and explained to them and they pulled up the documents and said this to me. The account was closed and they were unable to reopen the account and the representative also stated that they had received the documents before the account was fully closed but basically they dropped the ball and didn't update the account and just let it close. I said well you have the proof reopen and she said there is nothing that she could do it was out of here hands. I asked for a supervisor and still got the same response that yes we got the documents but there was nothing they could do because the account closed. I was livid this made absolutely no sense. If you know that Comenity made an error then your supposed to correct it. All I wanted was my accounts to be opened and then that was that. But all I received was the same events over and over. Nothing has been rectified and its not right at all. I need this to be resolved correctly and the accounts to be opened. I even tried to reapply and was denied because of the status of my other accounts and they told me to reapply and still didn't do anything
12/10/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NJ
08822
Web
I was noticed on XX/XX/XXXX about a debt with Comenity Bank. I answer my phone on my way to work. When the person told about my debt, I told her I don't have any account with Comenity bank. She asked me if I have a Victoria 's Secret credit card. I said yes, and she explained that card is managed by Comenity Bank. I told her I didn't buy anything recently at VS, so I immediately though it was a fraud because she asked me to pay a minimum by phone. I told her I will call them back when I was at my office. After I entered the VS card website I noticed my last transaction was on XXXX. I had to pay on XX/XX/XXXX {$110.00} and I paid it on XX/XX/XXXX. This generated a {$29.00} late fee on XX/XX/XXXX and an {$2.00} interest charge on XX/XX/XXXX. I never received any notification of this, even when they have my mail address as they recently send me two new credit cards ( I didn't ask for them ) They also have my email. On XXXX they charged me another late fee for {$33.00} and {$2.00} interest charge on XXXX. On the XXXX Statement they charged me again {$36.00} late fee on XX/XX/XXXX and {$2.00} interest on XXXX. The new balance that I am supposed to pay after of these fees was {$100.00} due on XX/XX/XXXX.
When I call them back on XX/XX/XXXX, I explained to them I wasn't aware of my debt. I just checked my account and saw all the late payment fees. I told them I didn't receive any statement, and the only notice that I have was the lady that called me in the morning. I didn't agree on paying lates fees and interest over a late fee. I agreed to pay just the first late fee and interest and settle the debt. When they agreed to that, so I agreed with them to charge my XXXX checking account for that amount. XXXX XX/XX/XXXX I received a notification that my credit score was affected ( it's XXXX points lower ) because I was in delinquency with this bank. I called them again, and I spoke to another person. They told me I still have a debt that I can pay in installments, When I asked them what happened with my settlement they claimed they didn't have record of that. I told them that was very unfortunate, but since this was affecting my credit score I agreed to paid the remaining amount ( {$66.00} ), and I also closed my credit card. This time they gave me a confirmation number XXXX
11/05/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Sent card you never applied for
MD
20746
Web
I recently received a MasterCard in the mail from XXXX XXXX Bank. The card was issued through the XXXX XXXX XXXX XXXX XXXX XXXX. While renewing my XXXX XXXX XXXX membership, I was asked if I wanted a XXXX XXXX MasterCard. My response was NO. I was asked if I was sure that I didn't want a XXXX XXXX MasterCard. My response was YES I'm sure I don't want a credit card. The customer care representative never said anything else to me about the XXXX XXXX MasterCard while she was processing my renewal.
Approximately 1 week later, I received a XXXX XXXX Bank MasterCard in the mail. I called XXXX 's customer care number and was told that I had to talk to someone locally at the store. I tried calling the XXXX 's and was never able to speak with anyone on the phone. I went into the store to speak with a manager on XX/XX/2018 around XXXX. The manager first told me to call customer service. I informed her that they told me to talk to someone locally at the store. She smiled and said ; Oh, she just hit the yes button by mistake. I told her that the associate never told me that she mistakenly hit the yes button and that I didnt think it was funny or comical.
I told her that it is illegal for them to run my credit without my permission and issue credit debt in my name. For all they know, I could have been in the process of trying to obtain a home loan, car loan, home refinance loan, etc. and having a new inquiry and/or new debt could have caused me not to get my loan. She acted as if it were nothing and a very small thing. She told me she was just the shift supervisor and that I had to file my complaint with the general manager XXXX XXXX who is on vacation. I have tried reaching out to the XXXX 's several times to speak with XXXX XXXX and have not been able to get through. I also attempted to contact someone at the corporate office and was unable to locate any working contact information.
My credit is good, and thankfully, them pulling my credit and offering me more debt did not gravely affect me. However, they really could have put me in a bad position and cost me a lot. They are giving their employees rewards for opening up new credit accounts and their employees are committing fraud on XXXX behave to get them. This is not right and unfair to the unsuspecting customers.
01/15/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
CA
94542
Web
On XX/XX/2019 an unknown person used my personal account information to order furniture and other items from XXXX for {$2100.00} and charged the purchase to my XXXX credit card. The charges are as shown on XXXX XXXX # XXXX. Wayfair chard is back by Comenity Bank.
At no time did I give any person permission to use my XXXX card and did not authorize any of these charges. The address associated with the order is XXXX XXXX XXXX, XXXX, CA XXXX. The phone number listed is XXXX. The phone number or address is not mine.
In response to the order XXXX sent a confirmation email to my email account which I noticed on XX/XX/XXXX, XXXXThat same day I contacted XXXX by phone to report the fraudulent activity and received an email confirmation of my call. The email further instructed me to contact Comenity Fraud Department which I did. ( see attached Email from XXXX ) Comenity indicated they would investigate the charges.
Within the next several days I received calls from other merchants with whom I hold credit cards ( XXXX, XXXX, XXXX ) and in one case a new account someone was attempting to open.The activity suggested fraud and all were all flagged and terminated.
As a result I contacted all 3 credit reporting agencies, initiated a fraud alert, and initiated a 7 year fraud notification.
On or about XX/XX/XXXX I began to receive calls from delivery companies about attempts to deliver XXXX products per the order above. I contacted XXXX again and learned that the goods were never cancelled and were still showing on my account.
I then contacted both the XXXX and XXXX Police departments, and filed identity theft and fraud reports with XXXX Police Department and and the Federal Trade Commission. ( see attached XXXX report ) XXXX XX/XX/XXXX, I received a letter from Comenity dated XX/XX/XXXX indicating that the bank finds no basis to support the fraud claim and finds me liable. ( see attached omenity Letter ) On XX/XX/XXXX I again contacted Comenity and after 30 minutes was unable to speak with anyone that would address or resolve this matter.
I did not authorized, condoned, or allowed any person to use my personal information/account/credit card to purchase anything from XXXX/Comenity.
I ask that CFPB immediately investigate and resolve this matter on my behalf.
10/27/2017
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with rewards from credit card
VA
22301
Web
I have a XXXX XXXX XXXX store credit card offered by Comenity. I signed up for the card as it offers a 10 % " reward dollar '' for purchases. The way the program is structured, it requires new charges to the credit card or forfeiture of reward dollars anytime the reward is used. This is not disclosed on the credit card application, nor are XXXX XXXX XXXX associates well versed in how the program operates, leading to unfair and deceptive marketing practices.
The incident that led me to understand how this program is not as advertised occurred on XXXX XXXX, XXXX at the XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX.
I had previously purchased and paid for more than {$600.00} in merchandise from XXXX XXXX XXXX in the prior billing cycle. This earned me {$60.00} in reward dollars. I purchased approximately {$30.00} in items with these rewards, expecting the remaining {$30.00} would be available for future use. Immediately following the completion of the transaction, the cashier informed me that the remaining {$30.00} balance was forfeited as I did not have a transaction of at least {$60.00} when I redeemed my reward dollars. I asked to void the transaction as I did not want to forfeit the reward dollars, but was told that was impossible. I spoke with the store XXXX, who contacted Cometity on my behalf to see if the remaining {$30.00} in rewards could be reissued, but was denied. In my conversation with the manager and cashier, I was informed that if I had a purchase in excess of {$60.00}, the only way I could use the reward was to charge any remaining balance on the XXXX XXXX XXXX credit card. This locks the consumer into the potential for a small balance and a new billing cycle, increasingly the likelihood that the consumer is late, incurring a late fee or triggering additional interest income for Cometity, should the account have a revolving balance.
Surprised at the details for the reward program, I picked up a application on the counter. No where in the in storm information, or in the application, did the detail related to the limitations for the reward program exist.
I am an educated consumer, who reads these disclosures, but I was not able to receive an accurate understanding regarding the rewards program based upon the materials provided.
10/12/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OH
44875
Web
To whom this may concern, I would like to dispute my Comenity Bank account through Victoria Secret. I have discussed the issue with Comenity Bank multiple times, but nothing has come out of it. Last night was the last straw for me. Back on XX/XX/XXXX I received a call from them to collect a debt. The lady on the phone told me that I owed some certain amount, HOWEVER if I paid {$140.00} that day, my account would be current. So, I did just that and was told that I was caught up with the account. I was never advised to close it at this point because I did not know at the time that fees were still going to be added. The conversation ended and I went on with my life.
Fast forward to the past couple months, I have been receiving phone calls from Comenity Bank telling me that I am responsible for a payment of {$110.00}. Mind you, I no longer have this card nor have I made any purchases with it. I have talked to multiple people explaining the conversation I had with the lady back in XX/XX/XXXX. No one did anything about it. Everyone that I talked to just told me that I needed to pay it or it will go into collections. I then proceeded to tell them I am not paying for something I do not owe, and told them they needed to review the tape from XX/XX/XXXX.
Last night, I received another call from them to which the man on the phone was very rude. He told me that yes, the card was up to date as of XX/XX/XXXX but because I never closed it, there were still fees that were being added. I was not happy because this is the FIRST time I have ever heard that. I did not know the card collected " fees '' when there was no balance on the card. Needless to say, I was not happy and he hung up on me before I got the chance to ask him about disputing it. I then called them back and talked to a lady who gave me the address for the dispute line. She gave me the dates that I needed and certain amounts.
This whole ordeal is showing up on my credit report and ruining it. The lady I talked to last night said I will have another bill being mailed out to me today ( XX/XX/XXXX ), due to me not having a bill on hand. I have also not received anything from them in the past 2 months or so. If you could please help me with this matter that would be great.
Thank you for your time, XXXX XXXX XXXX
08/13/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
TX
75241
Web
Your company is reporting the accounts on my credit report as a collection account.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.
In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state.5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
01/07/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with balance transfer
MA
02184
Web
I had applied for Balance Transfer with my XXXX card Comenity Bank XXXX XXXX XXXX XXXX of dollar XXXX in XX/XX/XXXX. I had given below details on my request.
Card Number XXXX XXXX XXXX XXXX XXXX XXXX CARD account I waited for some time for balance transfer to show up in my XXXX checking account but when I didnt received I started calling Comenity bank and they asked me reach out to XXXX XXXX. I reached out to XXXX XXXX on chat and call but didnt help. I told XXXX representative how I can share evidence shared by Comenity bank. They asked me to send mail which I did After talking to Comenity rep. He told me that we should not put debit card number in balance transfer may be that is leading to this break but I was not aware of that at that time. They were saying initially that they will cancel it and it would reflect in my account after a month but after few weeks they would send me mail that my request is rejected and I need to check with XXXX XXXX and they kept charging fees and interest on balance. I ever reached out to XXXX handles of Comenity Bank but they also came back with same response Comenity said, money have been deposited in below account but XXXX said they are not able to trace it Check Serial Number XXXX Posting date XXXX XXXX XXXX Account Number XXXX RT XXXX Comenity bank is saying that this check has been deposited in XXXX and hence they cant cancel this transaction from their side. I have contacted XXXX with check details and they say that they are not able to locate check and Comenity bank Operations team should initiate a query with them and Comenity bank said that they cant do that, and I will have to check with my XXXX XXXX I have talked to customer care of both the banks multiple times in XX/XX/XXXX and I have also send them written letter with all proofs but still Comenity said they cant do anything and XXXX XXXX never came back I have stopped paying Comenity credit card after they started charging me late fees and interest charge back and again Also I have closed my XXXX recently Can you please look into this request and help me trace the check with XXXX XXXX 1 ) Trace this check and send it to me or cancel this transactions completely 2 ) Remove Balance transfer of XXXX and all fees and interest charged on my account since then
02/01/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TX
77320
Web
Comenity Bank MasterCard This complaint is about an unresolved billing error with Comenity Bank. What happened was I cancelled an order for a king size bed from Wayfair. It cost {$1600.00}. Wayfair promised a refund when the bed was back in the warehouse. I never received it. It was tracked to a destination and then sent back to Wayfair warehouse between XX/XX/2020, and XX/XX/2020. It was list in transit, said Wayfair. My balance on Wayfair for the bed lost in transit stayed in my account while in the meantime Wayfair converts their accounts to Comenity Bank where my refund showed still as a balance owed on the conversion date of XX/XX/2020. I tried to resolve this matter with both companies to no avail. Many messages, phone calls, holding for hours, getting hung up on and disconnected, I experienced with frustration, anger, XXXX, XXXX, anguish, as I am told by Wayfair to take it up with Comenity and Comenity, not our problem. Talk to Wayfair.
I had to make credit card payments to Comenity Mastercard on the bed I never received/supposed to be a refund. I incurred late charges before I even realized that Comenity Bank had issued me an unauthorized credit card from an unauthorized credit app. By the time I figured out what was going on, I had paid Comenity Bank MasterCard two payments to keep my account from becoming delinquent ( {$350.00} and {$200.00} ). I incurred several late fees ( {$40.00}, {$28.00}, {$40.00} ).
Neither company customer service representatives, supervisors, or managers ever took any action in my part except for one Wayfair customer service agent, who assisted me in contacting Comenity and opened a billing dispute for me at end of XXXX. To date I still have not received my refund owed XXXX fees paid or payments credited as this dispute rocks along for now 8 months. I contacted Comenity recently to inquire the status. I was told I would be receiving a refund for all my due money refund credited minus a miscellaneous debit for {$160.00} ( Im too tired to even try to figure that out. ) I was assured two weeks ago that I would be receiving a check for {$2200.00} to my home address. I have not to date received any check. I want my money back ASAP from these crooked financiers with faulty practices and money account procedures and policies.
09/07/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
PA
19061
Web
I had applied for a Total Rewards Visa Credit Card through Comenity Bank located in Ohio. I called and spoke to a representative over the weekend either Saturday, XX/XX/XXXXor Sunday, XX/XX/XXXX to find out more information about a balance transfer to another credit card. XXXX, the representative who I spoke with was not too knowledgeable about providing me the accurate information and, although I started with applying for the balance transfer I requested that he wouldnt put it through until I confirmed the mailing address for my credit card company. I thought he understood what I said and that he was not going to process the transfer. However, when I checked my Total Rewards Credit Card account over the weekend I found that my account was charged. I called and spoke to another representative, XXXX, who spoke very quickly and she said that she was going to send an e-mail that if the balance transfer did go through to ensure it was sent to the mailing address I provided for my credit card company. Apparently, if she would have read the notes she would have found that XXXX sent it over to the Balance Transfer Department to cancel the request.
This morning ( XX/XX/XXXX) I called and requested to speak to a supervisor and I got connected to a very rude woman, named XXXX, who was allegedly a resolution specialist. She said that they would not be able to provide any further information for at least ten ( 10 ) days as to what the status is of the balance transfer. This is ludicrous because it is my responsibility to pay my other credit card and right now I am in limbo as to what I should pay since I do not know if and when the balance transfer is going to be applied to my credit card.
I want to escalate this complaint to someone at Comenity that is knowledgeable and cares about their customers.
I would like to know what kind of people Comenity employs that are dealing with other peoples monies? I am the innocent customer who now has to deal with the mistakes they have made at Comenity, which is certainly unfair and unacceptable to say the least.
I also have filed a complaint with the BBB of Ohio and am still in limbo as to the status of the balance transfer which should have been cancelled but, to my knowledge, is still showing as a pending charge on my account.
03/10/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
MA
02766
Web
Comenity Bank is not helping me resolve this matter and when I was asked to call, I can't get through because I no longer have this card ( I cut it up after paying off ) and I am lost in a sea of automated voices.
In XX/XX/2020 I paid this credit card in full and did not use it since. In XX/XX/2020 I was charged for some " club '' that I did not want or authorize and it was for a sister brand of this store card. The amount was {$19.00}. Shortly after that I was charged a {$19.00} late fee. Then I was charged the minimum finance charge of {$2.00}. Then the following month I was charged {$35.00} in late fees and another {$2.00} totaling {$77.00}.
I did not receive any indication from Comentiy that I had any balance - that is until XXXX XXXX emailed me to tell me I had an over 60 day non payment entry on my credit report. I logged into XXXX XXXX and could not find anything over due. About a week later an unidentified phone number who did not leave any message. I googled the number and found that it was XXXX. I then attempt to log into XXXX and found the above situation. To recap : Charged for some club I didn't join, was charged numerous fees and finance charges yet did not receive a SINGLE notification from Comentiy that I owed anything. When 5 months later they finally call me NO MESSAGE! I wasn't even offered the opportunity to pay or dispute this before they reported me to the credit bureaus and these charges are growing every day.
I contacted them through email and was told to call them, I call them and can't get through to a human, emailed again and I'm back to the start. Can someone help me resolve this? I should have canceled these store cards once I paid them off but didn't want to hurt my credit score. Little did I know it would be ruined by them anyway. I pay my bills and had I known about this charge would have resolved it immediately not 4 months later. I feel strongly Commenity bank operates under unfair and deceptive business practices and this is certainly not the first time I have had billing/fee issues with Comenity. I have lots of credit cards and none of them let someone rack up charges without telling them then report them to the credit bureau. XXXX will call you if you are a week late on payment!
Please help me resolve this.
03/23/2018
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Unexpected or other fees
NJ
07302
Web
I utilized paypal credit for their 6 months interest free credit promotion on XX/XX/XXXX for a vendor payment of {$5000.00}. Paypal provides no email alert, no online summary warnings or any balance details whatsoever on their website in regards to any fees amounts required to defer interest OR even any alert that fees are past due on a balance. The only way to ensure the a customer does not get interest charged is if they set an alert themselves which is a deliberate ploy to collect interest fees from their customers. I asked for a credit of all the fees before paying the balance in full but the paypal supervisor XXXX refused to credit any fees whatsoever.
This issue is common among predatory financial institutions that create systems deliberately to catch customers unaware of their outstanding balance. They in fact rely on the interest free period for the consumer to forget when the fees will be charged. Paypal catch their customers that choose to get online statements ( environmentally responsible consumers ) since there is no online information on their website relating to deferred interest or fees. The paypal credit agent admitted to me on a call XX/XX/XXXX that other customers choose to get paper statements in the mail specifically because Paypal do not alert online statement customers to any interest charges. When I escalated this to the supervisor " XXXX '' ( who would also not provide any more details on his name than this ) advised that their system does in fact provide transparency on the interest fees. However, when asked to show me he could not provide any evidence of an online alert OR transparency on fees OR information on deferred payment fees. After clicking at least 4 buttons within paypal credit online system, the customer has to download " past statements '' on a PDF file to see the only information paypal provide relating to these deferred fees being charged.
Paypal deliberately set up their system to provide ZERO transparency and online alert on interest fees in order to exploit their customers. It is clear that Paypal ( one of the most advanced online finance systems in the world ) have deliberately implemented no transparency for their interest free credit system as part of their deceptive practices revenue generating plan.
08/30/2017
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Struggling to pay your loan
MI
48207
Web
I was offered credit to purchase a pet at XXXX XXXX XXXX in Michigan. They told me there would be 0 % interest for the first 6 months. They did not make clear that if the balance was n't paid in the 6 months that I would be charged interest based on the original balance. On a balance of $ 3000+ I made 30 % + of the full payment with no interest to try to get the balance as low as possible assuming I would be only charged interest on the remaining balance.
Unknowingly after the 6 month period ended I was charged interest on the full balance ( {$3400.00} although I had got the balance down to {$2200.00} in the 6 months ) of the original loan NOT the balance left at a very high interest rate. I called to try to work something out and was told they could take a small part of the interest rate payment off but not all of it. I realized based on the rate and the finance charge which brought the balance up almost {$500.00} that I would not be able to make minimum payments but would basically only be paying the interest so I asked for the hardship programs they had. They told me in XX/XX/XXXX that I was enrolled in one lowering the interest rate which was 20 % + to 9.99 %. I immediately paid the minimum outstanding based on their representation that I was enrolled in the program. On XX/XX/XXXX I called after my statement did not reflect the new interest rate and asked what happened. A women told me that there was a system error and that I had not been enrolled yet and that a new statement would come out. I called again on XX/XX/XXXX after I did not receive a new statement and my online account did not reflect a change and was told I was not enrolled in the program again. I have also emailed them and received no response. I am at this time stuck paying the higher interest although they told me when I made the payment in XX/XX/XXXX that going forward my interest would be significantly lower. While I have had lines of credit with Commenity Capital Bank in the past, this particular arrangement is deceptive, unfair, and has been an undue burden and caused me substantial financial loss. The people who extended the line of credit at the Pet Store did not properly inform me what I was getting into and Commenity Capital Bank has failed to be responsive to my concerns.
06/29/2017
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Unauthorized transactions or other transaction problem
MD
20755
Web
Servicemember
ISSUE 1 : PayPal Credit account was opened with several promotions that ran consecutively stating no fees or payments for 6 months each, and at the end of the promotion the interest rate would be applied to whatever balance remained, and your payment would be calculated. Numerous overpayments made when no payment was due on the account. Multiple payments were made in one month. When PayPal Collections was asked how overpayments are applied, they refused to provide an answer, but kept telling me I had an alleged balance that needed to be paid immediately. PayPal mailed credit statements that are different from the online activity statement, and is misleading and confusing to the consumer. I did not see the discrepancy until I did an audit of my account. ISSUE 2 : PayPal fraudulently removed overpayment amounts from my account by erroneously listing payments as Denied Balance Payment online. The alleged denied balance payments are not listed in the actual paper statement received from PayPal, and there are no Denied Payments on my bank statements. For example, on XX/XX/XXXX and XX/XX/XXXX paper statement mailed to my address there are no transactions listed, but on the online statement it states, XX/XX/XXXX - PayPal Credit Denied Balance Payment - {$260.00}. The other denied payment is listed online for XX/XX/XXXX, but is not listed on any of my bank statements or the paper statements provided by PayPal. The following ( based on PayPal records and statements from XX/XX/XXXX through XX/XX/XXXX ), is the total breakdown by year : XX/XX/XXXX Forward balance in a promotional period was {$480.00} Promotional Purchases from XX/XX/XXXX : {$510.00} ( Total w/ balance : {$1000.00} ) - Payments from XX/XX/XXXX - XX/XX/XXXX : {$540.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : {$170.00} Total Payments & Refunds : {$720.00} Promotional Purchases from XX/XX/XXXX - XX/XX/XXXX : {$1000.00} - Payments from XX/XX/XXXX - XX/XX/XXXX: {$1900.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : XXXX Total Payments & Refunds : {$2800.00} XX/XX/XXXX - Forward CREDIT : {$1500.00} - Purchases from XX/XX/XXXX - XX/XX/XXXX : {$700.00} - Payments from XX/XX/XXXX - XX/XX/XXXX : {$760.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : {$160.00} TOTAL APPROX. CREDIT AVAILABLE : {$1700.00}
01/15/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
FL
32211
Web
I have a fraudulent closed/opened account. With a false sales pitch XXXX vacation credit took advantage of my shared information with commenity capital Bank creating an account that was binded with a contract without my consent I didnt authorized this actual account for XXXX that has now accumulated fees making the balance go up for none payment. On XX/XX/XXXX, th me and my boyfriend was led to a XXXX vacation resort with the intentions of gaining XXXX for attendance We came in but had a process you follow. First they sit you down in cubicles asking you to share your personal info check off and signed a few areas to help better your chances on deals information was not going to be used unless agreed upon. Soon after we are in a waiting area eating small snacks before entering the presentation. After the presentation we are escorted to a private table to with a representative to talk on our thoughts on future vacations they kept us there for hours because we kept declining we finally came to agreement but nothing was actually finalized or printed out. We was told we will get the info in the mail since they already had our info. I didnt no I left there in a XXXX debt. After we came home from the trip we later received two congratulations welcomed letters. But we didnt agree upon them so on XX/XX/2020 we called the numbers on the letters to cancel them both. My boyfriend received a letter of a zero balance I didnt but I checked with XXXX to see if the account was closed and it was. a month later bills from started generating from XXXX XXXX XXXX I called the numbers on the back of the bills that lead you to Comenity capital Bank. During the investigation period I made calls to try to understand when or how this money was used since I never actually seen it. I then learned that commenity bank agreed to a loan on my behalf without my knowledge. When i called XXXX they did a so call investigation too. They both said the same thing even though your saying you didnt sign we have your signatures. There proof was my first copy of the contract that has small docu signed signatures. I continued to dispute as the account continues to tear my credit apart I just keep receiving random calls from commenity capital bank for payments Im at a lost on what to do.
07/07/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
NJ
08724
Web
This problem does not fit any specific category. I have been in a dispute with XXXX 's the billing and collection agency for XXXX XXXX Credit Card purchases since approximately XX/XX/XXXX.
The charge dispute process and means of attempting to sustain charges is beyond words. I will attach as a PDF the last bill rendered. It shows a Bad of {$37.00}. As per instructions given in a letter I remitted {$16.00} for the shoes I purchased XX/XX/XXXX and there is a credit of {$20.00} representing the fees the letter advised XXXX would write off. I just hung up the phone question how there could be a NEW BALANCE of {$24.00} when there is {$0.00} Purchases ; {$0.00} other debits ; {$0.00} interest but a Fee charged of {$24.00}.
I spoke eventually with a customer care representative who advised my gal is {$0.00}. She also agreed she would arrange to have the zero balance letter mentioned on the robot menu of choices.
I will advise you if I do receive it but in view of recently reading this Bureau was set up as a result of the XXXX illegal practices I am following through with the complaint.
Read their collections practices in the reverse. This is usurious and illegal. They continued to add more fees and interests to the disputed amount. They called me XXXX and 4 times a day with various Caller ID numbers but always from XXXX. Most times they hung up without a word. On two possible three occasions they advised me to call about my bill. It appears that XXXX is well known to this Bureau and what I had researched online indicated they are the billing and collection agency for several big name department stores e.g., XXXX XXXX. I eventually wrote to the Executive offices of XXXX XXXX recommending they end their affiliation with XXXX. XXXX XXXX answer was they could do nothing about the affect my dealings with XXXX had on my credit report and requested they advise XXXX to correct this also illegal practice when there is a dispute. XXXX XXXX response was basically to disavow any ability to deal with the credit rating, the billing issues other than to have reached an agreement I should pay {$16.00} and XXXX would wipe off the fees.
If you like XXXX can do nothing advise me who can and will end these practices upsetting old ladies such as me.
XXXX XXXX
07/26/2021
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
FL
32226
Web
On XX/XX/2021 I received an email advising that I was preapproved for a Land 's End credit card. On XX/XX/2021, I reviewed the email and saw there was a promotion for 50 % off your entire first purchase using the card. Seeing as I was purchasing school uniforms I thought this would be a nice cost savings. After submitting the application and receiving the approval, I clicked the link to make my purchase using the temporary card number and 50 % off promotion. There was an error on the page and I was no longer able to get back to the link. I contacted customer service via chat and was advised that I could use any of my credit cards and they would honor the 50 % off promotion on anything except school uniforms. I double checked before agreeing to the terms of the credit card that the 50 % promotion could be used on any item. The following is the verbiage used to describe the promotion on their website " Receive 50 % off your first Lands End credit card purchase at landsend.com at time of account opening ( even sale priced and clearance items ). Offer can not be combined with other promotions. '' When I advised the associate of this in the chat she sent me the following " Subject to credit approval. Valid one time only. Can not be combined with other offers. Excludes monogramming, gift boxing, gift cards, shipping, taxes, duties, Lands End Business Outfitters purchases, international shipments, and excluded items as marked. Discount will be applied at checkout. This offer has no cash value. Promotional savings may be deducted from returns. Not valid on previous purchases. Must make a purchase in the previous 12 months to receive the offer. Must have valid email address and U.S. mailing address. Accounts that opened during your birthday month will receive the offer the following calendar year. Account must not be in default. ". I responded by advising what she sent me does not reference the school uniforms and she told me " that it is listed on the webpage where uniforms can be purchased next to the 'color ' option. '' Seeing as this was going nowhere I thanked her for time and advised I would be sending a consumer complaint. A consumer should not have to hunt around exclusions, I feel that this promotion is deceptive and misleading to consumers.
05/20/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
MD
21128
Web
On XX/XX/XXXX my fiancee and I went to the Zales store in XXXX County in the Mall. We purchased a diamond engagement ring in excess of {$5000.00} and applied for a store credit card for {$3000.00}. We financed {$3000.00} of the ring and paid cash for the remainder. We have made our payments and have paid over {$2000.00} in payments over 2 years. The last time I looked at my balance it was under {$2000.00}. We kept making payments and just last week my husband was going to purchase a birthday gift for me and it said he had no credit which was alarming which in turn encouraged me to go online ( that's how we pay monthly ) and pull the full statement to see what was wrong. It was then I noticed we had been charged over {$80.00} a month in interest and a fee of {$1200.00} on XX/XX/XXXX when our balance shows was {$1900.00}. I called the store to inquire as to what was going on since I know we paid over {$2000.00} in payments already. They told us today that we had a promotional credit card with no interest for 18 months. Without any disclosure to us that on XX/XX/XXXX we would incur a fee int he amount of {$1200.00} for back interest. As we have been paying the bill monthly we saw interest coming out monthly but all of a sudden our balance shot back up to the original purchase amount. I attempted to resolve this with Comenity Bank/Zales and they were very rude and accused me of not making myself aware and checking my statements monthly. They asked for a manager and was given " XXXX '' and she was increasingly frustrating to talk with. Very short, rude and accusatory blaming us for the misunderstanding. Of course, we assume it is written in fine print somewhere but it was never disclosed verbally to us that had we not paid the purchase off in full in 18 months that we would be charged back interest at over 29 %. To us we feel extremely violated and robbed of our hard earned money. We are paying this card off immediately but felt it necessary to make the Federal Trade Commission aware of their misleading advertising and clear disclosure of such a scam.
Thank you for your time and consideration. We just don't want this to happen to anyone else in the future.
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX email : XXXX XXXX
08/10/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MN
55313
Web
Starting in XXXX of 2020, I was charged a late fee by Comenity Bank for a XXXX credit card. As this was a one time issue, I tried contacting the company multiple times to discuss waiving the fee. I meanwhile, paid the balance on my credit card. After being put on hold numerous times and never reaching a person as well as sending emails, I was unable to reach someone. They started to tack on fees to the original fee. Again, I tried contacting them. Finally reaching a very rude individual who told me I needed to pay the full balance that had now accumulated. Meanwhile, I was receiving 3-4 calls a week from Comenity Bank telling me they were here to help me with any covid issues. I talked to one of them and realized they had no connection with the issue I was having. I am apparently on their call list as they see there is an overdue balance. They are so willing to help me in times of covid issues and yet they are charging me fees upon fees. They told me to send a complaint in writing. I did this through their website. In addition, I also called again and this time spoke to another person who told me I just had to pay all of the fees or this would never stop. I tried a 3rd call and reached a polite individual who reiterated what the comentiy callers had told me-to send it in writing. Since then, they have continued to tack on charges month after month. I now have a {$210.00} balance that is all fees, no purchases. I received a letter in XXXX thanking me for contacting them ( in response to the written complaint I filed ). Now they are asking for me to provide them with as much information as possible. I already did this the first time. There was no direct contact info or name for anyone I could contact. And again, they tacked on two more months worth of fees since then. I have invested enough time trying to solve this and watch as this balance grows from a {$24.00} fee to {$210.00}. I do not want to get stuck paying for something that is not owed and as far as I'm concerned is unethical. I was told by their representative originally that I had to pay even if I did not owe the fees. It appears they are involved in dishonest practices of charging fees on credit cards with no balances and harass the customers until they finally give up and pay.
05/01/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
IA
52322
Web
On XX/XX/XXXX my wife and I went to kay jewelers of Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX and purchased two wedding rings.
The store convinced me to sign up for their store card on that day, explaining they had a 12 month interest free program.
I qualified immediately for store credit as my credit was very good.
We were advised that if we made every payment on time there would be no penalties or fees.
I utilized there online payment system and setup auto payments immediately.
We did not receive statements as we were advised to stay paperless and no statements were ever emailed to me.
Every payment was made on time and in full as shown below : XX/XX/XXXX PAYMENT - THANK YOU - {$150.00} XX/XX/XXXX PROMOTIONAL TO REVOLVING {$150.00} XX/XX/XXXX PROMO FINANCE CHARGE ADJ {$320.00} XX/XX/XXXX FINANCE CHARGE {$320.00} XX/XX/XXXX PAYMENT - THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX KAY JEWELERS PROMO PURCHASE {$1900.00} When I had checked that the final payment cleared on XX/XX/XXXX I was shocked to find a new charge for " interest for entire year '' of {$330.00}.
I emailed and called repeatedly for days with no reply until I finally got through today XX/XX/XXXX I was advised by customer service advisor XXXX that there due day was 1 day after the promotional period ended and therefor the interest charge is required.
He advised that the promotional period end date showed on the monthly statements none of which were ever sent to me.
I have checked the original agreement and there is no promotional end date on that at all.
The company set the due dates and i trusted they set those inline with the promotional period as i was advised when I made the purchase.
I would most definitely have made the payment earlier had I been advised of this.
I feel extremely mislead by Kay Jewelers and how they represented this promotion.
02/22/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Other personal consumer report
Identity theft protection or other monitoring services
Problem with product or service terms changing
MO
63130
Web
Older American
My husband passed away on XX/XX/2018, and I am a XXXXold widow who is still in mourning. I was told ( correctly ) by XXXX XXXX XXXX Master Card that, as an authorized user, I could neither use their card, nor would I be responsible for my late husband 's debts. As a result, I panicked because I had never been responsible for finances before, and I did not know which credit cards I could still use as a co-owner, and which I could not as only an authorized user. As a result, out of naivete, I did something XXXX and applied for too many new credit cards in my own name at once. This, of course, changed by credit rating which is still ( at last glance ) rated between good and very good in all three credit files. My complaint is with XXXX Bank and their " XXXX XXXX XXXX XXXX '' Master Card. While I understand their concern, their response was both incompetent and consumer unfriendly. In my naive hunt for new credit cards, I opened the " XXXX XXXX XXXX XXXX '' Master Card, because I like XXXX XXXX XXXX XXXX XXXX merchandise. I made a few very small purchases on that card -- under {$50.00} each -- and paid my bills on time and in full. Nevertheless, XXXX Bank cancelled my credit card about three days after my timely payment in full. The bank also showed some incompetence prior to this that I should have taken as a warning of bad things to come. After my application was accepted online, I received no additional response -- which was odd. Since I applied on a Sunday, I figured that my application had somehow not gone through, and I more or less forgot about it. Suddenly, a few weeks later, my card appeared in the mail. I activated it, but when I tried to use it for the first time, it would not go through. I called customer service, and a very nice and helpful woman said that my card had not been activated, and she activated it ( a second time ). That was all okay with me, and my order went through. I also placed a second order ( under {$50.00} ) with no problem. However, these initial irritations served as something of a harbinger of incompetence to come. I know that credit card issuers may legally cancel any account at any time that they wish, but I believe that I was treated very badly as a consumer, and that XXXX Bank is horribly incompetent.
11/03/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MD
20902
Web
I am very concerned that this bank engages in deceptive practices by using certain language and not using other language In order to get customers to both open and keep open the account so that they may incur uneccesary fees. This bank claims that in its terms and agreements it outlines that if you make a Single late payment not including it a recurring credit bureau audits it can and will decrease your credit limit. This action adversely affects the customer. The company claims its in its terms and agreements, how convenient. How can a company charge a late fee 1 day after the due date when they dont offer any alternatives to the customer to avoid making a late a payment. Such as, automatic debit payments, 1,2 or 3 day curtousey text, email reminder or grace periods for payments. Instead this bank and its representatives have said that I should use the features MY BANK offers me in which to pay my bill on time. I feel The burden should not be on the consumer to avoid late fees if the banking institution hasnt fully developed options for its customers to make a payment ON TIME. You have to physically log on every time just to make a payment and or schedule one every 30 days. This is not okay considering XXXX hasnt met its burden of providing payment options only to turn around and make money off of customers for their inadequesies.. These bogus terms and agreements, then gives them the legal authority to charge an account {$27.00} for a late payment without providing ANY GRACE PERIOD. This company turns around and punish the customer for not using a feature of THIER bank to make payments. I have many CC companies and Ive NEVER had my credit limit decreased. I am closing my account and cutting my losses. If they can close my account at its own discretion which will then have a negative impact on my credit, I should cut my losses early. This option is NOT favorable to consumers. But these practices leave consumers no choice but to stop doing business with this kind of company. One with no ethics and is predatory. This predatory banking/lending institution should be closed down for its deceptive and unfair practices against consumers. This bank is equvilanent to XXXX XXXX. A shady company to say the least. A XXXX Card is BEST A CLOSED CARD.
08/03/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CA
92866
Web
We have been with Comenity Bank Total Rewards Visa since XXXX 2017. In 30+ years of managing our credit cards, I have always paid off our balance every month and have always allowed ample time ( 8-10 days ) for mail to reach its destination and never had late payment issues. I recently noticed interest charge on the statements so I called to find out what happened. On X/X/17, I spoke with XXXX ID # XXXX. He explained to me that although I paid off the balance on the statement, Comenity Bank Card charges interest on the charges that incurred after the statement cycle. And in order to avoid the interest charges, we need pay off the entire balance on the account ( not on the monthly invoice they sent me ). I need to call them to get my most current balance and pay that balance in order to avoid interest charge. I have used credit card for 30+ years and this is the first time I encounter this type of credit card interest charge. I reviewed the back of the statement and under Paying Interest, it states We will not charge you interest on purchases if you pay your entire balance by the due date each month. So I called on X/X/17 again and spoke with a Resolution Specialist named XXXX ID # XXXX. He now told me that XXXX was incorrect. XXXX said the interest charge was incurred because my payment was late. I know this is an erroneous excuse because he needs to place the blame on me in order to justify the charges. I then question him why the stories are different between him and XXXX. He would not reply. Comenity Bank is deceivingly charging fees to consumers who pay balance in full by making up erroneous rules and accusing customers of being late on payments. Posting payment is controlled by Comenity Bank Credit Card Accounts Receivable Department. 8-10 days of mail delivery is more than sufficient for any honest business operation/practice. I do not believe 20 days of mailing time would make a difference. This seems to be a tactic for Comenity Bank to make additional revenue. And it is the only way they are able to extract money out of good customers who pays in full and on time. Comenity Bank is operating an unethical practice and fraudulently charging consumers with erroneous fees. 95 % of the BBB reviews are negative against Comenity Bank.
02/28/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
79606
Web
This complaint is about an XXXX store credit card with Comitity Capital Bank. I applied for the card in XXXX, XXXX and made one purchase. I did not receive a bill. I got the phone number to call from the actual store and I called for several days in XXXX trying to pay my bill and could not get through. When I finally got through on XX/XX/XXXX, I was told the computers were down and asked to call back later. When I called back, I was told it was after XXXX XXXX and my payment was officially late. Then I was told their policy was not to accept payments past XXXX XXXX and it was past that time. I was told that I would be charged a late fee. Then, the operator said it wasn't fair because their computers were not working properly. They took my debit card number to pay the bill then it would not accept it, saying it was not a debit card. Finally it took the card. I don't know what the problem was with their computers. Then, I was assured the late fee would be credited to me. I was told that he would credit a late fee of {$15.00} and I paid the balance in full.
I received a call on XX/XX/XXXX from the credit card company. My balance is now {$65.00} and there was a payment due in XXXX, XXXX. The balance was due to a late payment in XXXX because I was not credited the full amount of the late fee and a late fee in XXXX for not paying the late fee in XXXX. I asked the company to correct it and refund the " late fees '' They refused to make it right.
Then, I tried to pay the late fees balance with my normal bank card and I was told their system would not take the card because it was not a debit card. It is a debit card. This is also what happened before and it finally accepted the payment. Now I am suppose to call back later and try to make the payment again.
The company is scamming people for " late fees '' making it difficult to pay them because of their computer problems and then charging fees. They are misleading consumers. Beware of the late fee charged after you have paid your account a few hours after the due date because of their computer problems. That late fee will also incur another late fee without notice. They are scammers.
XXXX was the operator Her ID is XXXX Comitity Capital Bank Cust Service XXXX XXXX XXXX XXXX, OH XXXX
11/14/2017
Yes
Debt collection
Other debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
PA
19054
Web
XXXX XXXX aka XXXX XXXX XXXX XXXX keeps calling me from spoof telephone numbers, from spoof telephone numbers on their mailings, and the Supervisor who acknowledges speaking to me several times changes her name from XXXX XXXX then XXXX XXXX 10 days later. At each phone call I asked them to turn the recorder off, which they said they did. In XX/XX/XXXX they told me I owed {$2100.00}, on XX/XX/XXXX {$1300.00}, and on XX/XX/XXXX said {$1900.00}. This debt was from Comenity Bank from XX/XX/XXXX. This was from a XXXX XXXX and XXXX of a XXXX that had to be done emergently before I had XXXX. My credit score was low because my ex left the marriage while having an affair, took his new car out of state, and stopled making the payments. I was making regular monthly payments on the Comenity account of {$100.00} {$200.00}, until I became ill and had to have a 15 hour XXXX XXXX, another 15 hour XXXX XXXX, and is 6 hour XXXX XXXX. By the time I had myself together and was home, Commenity brought all the interest 22.29 % forward. I explained my circumstances to XXXX and to XXXX, but they just would n't do anything. I offered to pay {$30.00} a month to Comenity and to XXXX and they refused. I told them I am I am on Social Security XXXX, and XXXX XXXX aka XXXX XXXX started getting loud with me telling me she 's going to ruin my credit. I offered to pay {$35.00} a month, which is all I can afford. She did not want that amount. She said that she will continue to to ruin my credit. I said to her, " do not call me anymore unless you want to accept my offer of $ XXXX month, on XX/XX/XXXX. She continues to call me. All of the callers sound like they are from XXXX and are difficult to understand. She asked me for a check for {$900.00} to pay it off in one time. I told her if I had it, that I would not have this problem. They are just unreasonable and want to harass people and will not work with you. They would rather ruin your credit and harass you than take a monthly payment. They call from spoof numbers to get you to answer. They send different telephone numbers and conflicting information in the mail. It is to plain harassment. I have copies of their mailings and documentation of their phone calls. I'am happy to submit them to you, if you tell me where.
12/30/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NJ
08854
Web
Sub : Refund issue from Comenity Capital Bank I purchased an Airline ticket ( XXXX XXXX ) at XXXX on XXXX XX/XX/XXXX using XXXX XXXX XXXX credit card ( Issue by Comenity Capital Bank ) for a charge of {$1100.00}. I applied for this card through the ticket purchasing transaction process at XXXX.
XXXX / Comenity Capital Bank issued a temporary account card. The same card with the last 4 digits showing on the XXXX ticket purchase receipt ( TEMPORARY ACCOUNT ISSUED BY XXXX / COMENITY BANK XXXX ).
Later on, XXXX issued a permanent card.
Travel Dates : XX/XX/XXXX ( XXXX to XXXX ) - XX/XX/XXXX ( EWR to HYD ) XXXX # XXXX / XXXX Booking ID XXXX / Itinerary # XXXX XXXX canceled the flight due to the covid-19 pandemic.
XXXX confirmed that XXXX XXXX issued a refund of {$540.00} on XX/XX/XXXX.
This refund is not showing up on my XXXX / Comenity Credit card account ( Permanent Card ).
However, the initial charge and the payment I made are showing up on this permanent card.
I contacted XXXX, Comenity Bank / XXXX XXXX XXXX, and XXXX teams to find the refund, just asking me to make circles between these 3 companies ' customer service departments from the past three months.
Message from XXXX : " We have received a response from XXXX and we were advised that If the credit card expired, the passenger needs to follow with the bank directly. '' Another Message from XXXX : " According to our notes, our customer booked the reservation using their XXXX card ending XXXX that has an expiration date until XX/XX/XXXX. According to the airline, they have processed the partial refund of XXXX USD back to the original form of payment last XXXX XX/XX/XXXX.
The cause of the missing refund is because the original form of payment is already expired. '' I strongly believe that Comenity Capital bank doesn't have the correct account synchronization/integration between the temporary card and the permanent card.
I brought this concern to the bank customer service team multiple times and no one digging into the roots to find a solution for this problem. Simply replying with messages redirecting me to talk to XXXX etc. I dont find a path to reach XXXX XXXX / Comentiy Capital Banks Senior Management.
Absolutely no help from the regular customer service team.
10/05/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
19390
Web
Older American
Two problems same banking credit company Bank in charge of two of my credit cards XXXX XXXX XXXX XXXX and XXXX. First XXXX I purchased a custom XXXX and put it on monthly payments which were interest free. I paid off the ring in XXXX of 2021 in full. I had received statements every month till XXXX which listed my balance as XXXX. Then in XXXX I get a bill that stated I owed XXXX some dollars I immediately called customer service and asked why I owe this amount and why hadnt I gotten a statement before this if I did owe money which I didnt because I paid off the account. They stated I owed XXXX as a close out of the account that was paid in full of over XXXX $ then they charged finance fees for late payment. After a long discussion and speaking with supervisor it was of course erased.
Now they reported I was late a payment which I was not and my credit score took a XXXX of XXXX points Does it end there!
XXXX again Comenity Bank get a Bill for over XXXX dollars all finance charges for a bill that was paid in full but interest was not until next statement since I call in to pay Bills each month and knowing I had paid in full my statement from XXXX I had no idea that there was an interest amount to be paid. They in turn charged late fees totally XXXX XXXX Yes I again had a discussion with a supervisor and again it was taken care of with me owing nothing.
Why the complaint Comenity bank is getting over and I believe charging fraudulent charges. This is the Fourth incident I have had with them over the last 10 years. The first two happening well over 10 years. To have 2 so close together and so similar in accounts. Either they know they are deceptive or something is wrong with their automated services, which I doubt because I NEVER have any problems with any other bank I deal with my credit cards with. I can only imagine the number of people who dont know about their deceptive practices and how their credit scores can be affected. I believe Comenity bank practices should seriously be investigated!
You didnt allow space for two credit cards so here is. XXXX # XXXX This surely shows a pattern and if you note my credit history I am always on time with all my payments 100 % of the time and most times pay off the entire balance monthly
12/27/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
FL
32536
Web
Older American
I opened a XXXX, Bath & XXXX credit card to begin repairing my credit after a disastrous divorce that ruined my credit. Since I travel extensively, I have a PMB where my paper mail is delivered. When I opened the XXXX & XXXX account, I chose the " paperless invoice '' so that I could pay the bill electronically. I only have my mail forwarded once a month so unless the invoices I receive are paperless, I may receive the invoice late. ALL MY BILLS ARE PAPERLESS AND I HAVE NEVER HAD AN ISSUE WITH RECEIVING AN ELECTRONIC STATEMENT. The first month ( XX/XX/XXXX ), I didn't receive an electronic notice, but I DID receive a paper bill to my PMB. It was in time so I paid the payment online. I called the credit card company ( Comenity ) and spoke to a nice representative who assured me I WAS enrolled in paperless billing and was not sure why I had received a paper bill and not an electronic one. She had me check all spam folders, verify the email it was to be sent to, etc., but there was no issues. She believed, since the account was new, it had just not been sent electronic due to the new start date. She assured me it would be sent electronically the next month. In XXXX and XXXX the exact same thing happened. I received a paper bill and no electronic bill. I contacted XXXX customer service. Assurances I WAS enrolled in paperless, no idea why I was getting paper bills. ( I have XXXX paper bills to prove this ) In XXXX, I found out they had reported me late because I had called them late to find out why I was STILL not getting an electronic bill. I spoke to a supervisor and shut down the account immediately to avoid any additional late reports to the credit bureaus. I want this late notice removed!!!
( Details : https : XXXX, Account under XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Expires XX/XX/XXXX XXXX XXXX, Password XXXX ) XX/XX/XXXX : Address updated XXXX XXXX PMB so no delays in mail, email updated to XXXX - thinking they were having an issue with XXXX XX/XX/XXXX : Called Comenity when no paperless invoice came. Paid the rep so wouldn't be late XX/XX/XXXX : Called Comenity when no paperless invoice came.
XX/XX/XXXX : Paid off since could not get an electronic invoice and they had reported me late. Spoke to XXXX - Account supervisor
11/11/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
NE
68360
Web
I had a hard inquiry on my XXXX Credit Report which I did not authorize by XXXX ( Comenity XXXX XXXX XXXX ) on XXXX XXXX, XXXX XXXX a little over two years ago ). I disputed it at the time with XXXX letting them know I did not authorize this but they failed to remove it. One week before it was to naturally fall off my credit report at the mandatory two year mark, the same company XXXX XXXX pulled another hard inquiry without my permission on XXXX XXXX, XXXX. I called XXXX to investigate and they told me to write a letter to them and ask for it to be removed because it was not authorized and gave me the address to mail the request to. I wrote a letter to both XXXX Credit and also to XXXX saying this was unauthorized and it could be fraud by someone trying to take out credit in my name and asked for an investigation into the matter and mailed both letters on the same day. A letter came back to me from XXXX Credit on XXXX XXXX, XXXX which said " We are unable to remove this inquiry. If you feel this is a fraudulent inquiry you will need to contact XXXX and initiate a dispute with them. '' I KNOW it is fraudulent activity because I put in writing that it was n't done by me, I already told them it was fraud. So this is either fraud by XXXX Credit or a scam artist pretending to be me. Since I also asked for an investigation as a dispute with XXXX and yet XXXX put in their letter that they had n't heard from XXXX regarding a dispute, this means XXXX, did not contact XXXX Credit to see if this was a legit inquiry. XXXX ignored my dispute and did not open an investigation into this matter and the unauthorized dispute remains. I Googled this problem tonight ( Unauthorized hard inquiries by XXXX on XXXX and found countless hundreds of other people who have the very same complaint about an unauthorized hard inquiry on their report. This is obviously something they are doing illegally and it needs to be stopped. I took all of my money out of my XXXX account and will never log into their site again, they ca n't be trusted. I suspect it is them pulling the unauthorized inquiries since it happened two years ago the same way vs it being a scam artist, but with the recent XXXX breach of privacy it is something which is particularly concerning.
10/23/2017
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MI
49862
Web
Servicemember
I was declined for a department store credit card because of conflicting address information between my application and the credit-reporting agency, even though my XXXXredit score at that time was XXXX. This rejection notice was received at my home address, the one on the credit card application. I sent a reply to Comenity Bank of XXXX Ohio, the bank that manages this particular credit card, with my return address on the envelope. I waited for a statement and when no statement showed up in my mailbox after XXXX months I went to the store where the purchase was made and made a payment in full to the XXXX on duty and thought that I had fulfilled my obligation. Comenity Bank was, I believe, intentionally send the billing statements to the wrong address that was provided by the credit-reporting agency even though Comenity Bank had my correct address and had corresponded with me and received a response from me with my correct address. I had moved and changed my address more than XXXX years before I applied for the credit card. The Postal Service will only forward mail to a new address for a period of XXXX year after the change was made. This time was long up. I apparently was, and still am, being charged for non-payment fees and interest on an account that I believed was paid of in full. Comenity Bank attempted to communicate with me with recorded messages and phone trees and rarely a human being. when I did return a call and talked to a human, ( XXXX ID # XXXX ), all he wanted was an address update which I gave him. Then I received a bill in the mail that was over XXXX XXXX dollars with no explanation o what the charges were for. I did n't pay this bill. I received a second bill and this bill showed a charge for non-payment and interest on the unpaid balance. I will not pay this XXXX either.
I would like to add that during the time of this dispute that I had changed my phone number, for reasons not concerning this dispute, and Comenity Bank was able to discover this new number and begin sending messages to it. They should have been able to find my correct mailing address too and not keep sending billing statements to the wrong address to intentionally charge me fines and interest on an account that they denied in the first place.
08/26/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
91326
Web
Servicemember
Good Afternoon, On/or around XXXX of this year, I was shopping at an antique market/mall, outside due to covid restrictions. I walked through the huge mall to shop and buy items for my home. I purchased a plant ( on different card ), food/drinks ( on different card ), I purchased some socks ( I believe ) on the card in question and records on this card for sure for around $ XXXX {$40.00}. After walking the mall, I went into a XXXX pop-up tent. I was wearing XXXX clothing and my bag was XXXX, with that being said. The " employee '' i believe advised me to leave my bag at the front because it was XXXX and can't have it in their because of them assuming that it wasn't bought prior. With my clothing they gave me a piece of tape to put on my jacket, shirt and socks to identify that it was brought in. I left my bag of records and my XXXX little bag at the front in a portable truck pop-up where it had the cashier, valuable items, other customers hold and customers items. After walking the area that XXXX had ( seemed to be 4 or so tents of stuff pilled together, i had to leave because it was very humid, lot of people, masks not helping and etc. I went to the front and gave them my ticket for my items left. The bag i purchased with the credit card had my credit card in the clear record bag. Probably not the right choice, but it was done on accident. I contacted commenity bank to advise them that the card, once i noticed, was gone/stolen or lost. I received a letter in the mail sometime this week or last that said they couldn't find this was lost/stolen or fraud. I called in today, XX/XX/21 to XXXX and talked to a " XXXX '' or " XXXX '' she said her name was spelled like the drink, XXXX. I advised her what had happened, again, and she said oh this sounds real fishy! Which in my opinion, was something she shouldn't have said, but also said she will review this, but not guaranteed of an outcome. She was very rude and made it seem like i was the one who purposely lost the card with her tone and attitude on the phone. I had 2 transactions before i could cancel the card that i advised them that i didn't make. I was at the antique/vintage mall for about 3-4 hour shopping before i realized my card was lost/stolen or fell out of my plastic bag.
07/06/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
CO
80239
Web
Below is the dispute I sent to Comenity Bank, XXXX, XXXX and XXXX ( exhibits do not show ) but the info is there. I disputed the date of last activity and the way the account was reported. The date of last activity is not being reported as the same date on all credit reports. Nobody did an investigation. I checking my credit reports every day and account was never noted as disputed. This is a legitimate dispute.
XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX RE : CB/XXXX XXXX I am disputing the accuracy and completeness of CB/VICSCRT XXXX. To demonstrate the account is not complete or accurate I have supplied : Exhibit 1 ( XXXX reporting of this account ) Exhibit 2 ( XXXX and XXXX reporting of this account ) Exhibit 3 ( Metro 2 manual reporting guidelines for paid charge off account ) Exhibit 4 ( Metro 2 manual compliance code guidelines for reinvestigations ) This dispute letter is structured to send to original creditor, XXXX, XXXX and XXXX because the contradictory reporting is evidence to all parties, demonstrating a new investigation is required by all parties. In addition to the investigation being required, I am requesting the investigation be reported accurately according to Metro 2 manual guidelines ( Exhibit 4 highlighted in pink ) beginning with using compliance code XB.
Exhibit 1 ( XXXX lender report ) Exhibit 2 ( XXXX and XXXX Report ) Inaccuracies : 1. XXXX ( Highlighted in yellow ) a. XXXX reporting XXXX of XX/XX/XXXX. XXXX reporting XXXX of XX/XX/XXXX. It can not be both. I am requesting an investigation into the accuracy of XXXX.
2. Account Status ( Highlighted in green ) a. XXXX reporting Charged off Account. XXXX reporting Charged off account. XXXX reporting Purchased by another lender. Exhibit 3 is from the Metro 2 manual. It outlines how a paid charge off account status should be reported. Should be account paid in full, was charge off.
Incomplete : 1. Payment ( circled ) a. Scheduled monthly payment amount is blank. Exhibit 3 demonstrates this is incomplete.
Exhibit 3 ( Metro 2 Manual reporting guidelines for paid charge-off accounts ) Exhibit 4 ( Compliance code conditions and reporting guidelines ) Thank you, XXXX XXXX XXXX
09/14/2017
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MI
48186
Web
I have limited exact dates of transactions as the company XXXX XXXX XXXX closed in XXXX of XXXX. I purchased several packages from XXXX XXXX XXXX for XXXX XXXX XXXX between XXXX and XXXX. Over those 4 years I paid XXXX XXXX XXXX approximately {$6000.00}. In XXXX when my services ended without being complete I stopped paying XXXX XXXX XXXX as they closed. When I stopped paying I was sent letters from Comenity Bank asking me to pay my balance. I explained to them several times that I do not owe the debt as my treatments are incomplete and in fact I felt as XXXX XXXX XXXX owed me money. I paid thousands of dollars and still have incomplete treatments. XXXX XXXX XXXX agrees to continue treatments until all hair is gone. They discuss that it can take years of treatments. I did as Comenity asked me to do regarding disputing the charges. I sent them letters expressing that I dispute all charges. I told them I could not get exact transaction dates as XXXX XXXX XXXX is closed. They did not accept my dispute and have continued to harass me. I am now being sued by them. Comenity is claiming I owe them {$2800.00} however with interest and fees they are now suing me for {$4200.00}. They have hurt my credit and I am so stressed. I do n't understand how a bank can harass and force people to pay for services they did not receive. I obviously did not get the services as the place closed. As I have told them I would pay if I received the money or the service but I did not. How can we as consumers trust the stores we purchase things from if this is allowed? If I want to apply at a store for credit for floors I will not ever want to do that. What if they close before I get my floors and I have to pay for them anyway? I think this is a scary precedent to set, that banks can collect money despite no serve or product being rendered. The definition of purchase is to by a product or service. I purchased nothing. I should owe nothing. I am also assuming that Comenity Bank received large payments from XXXX XXXX XXXX when they filed chap XXXX or XXXX. XXXX XXXX has my services and my money not me. Comenity is harassing the little person in this and I am beyond angry. I have also complained to Better Business Bureau and the Attorney General 's office.
06/09/2021
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account status incorrect
TX
75001
Web
I spoke with Commenity Bank in regards to multiple accounts I have with them ; Victorias Secret, Wayfair, XXXX, and XXXX XXXX. They demanded I pay them a sum of {$120.00} in XXXX to put myself into a payment plan for my cards because COVID impacted my income. I got the funds together snd made a payment to them to prevent them from filing legal action against me by their attorneys as they threatened they would do if I didnt send them the money by the end of the day.
I called back in to submit an over the phone payment of {$120.00} and set myself up in a payment plan for my cards ( before the end of that same day ). Three cards draft out ( Victorias Secret, Wayfair, & XXXX XXXX ) on the same day every month, the XXXX, for {$15.00} EACH. The XXXX card is {$10.00} and comes out later in the month. I had to stay current and make sure the funds were in my chase debit account in order to ensure the auto-Draft was good and the funds were available. I did this and have been doing this since the first set of three payments were taken out XX/XX/XXXX. HOWEVER, Comenity bank has since marked my credit report as having NOT made my payment for 120 days on my Victorias Secret card, marking my credit report with multiple Major Derogatory claims. I pulled up my bank account that I monitor AND their past payment information section on my account snd noted that every payment they deem I did NOT PAY, was drafted OUT OF MY ACCOUNT and I have never been hit with over draft fees.
They have not fixed this matter and have not updated my account with them to reflect XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX have been paid ON TIME and have not deducted the amounts out of my account balance!!!! They also have now removed me from the payment plan for this card and want to charge me {$35.00} in auto draft. I am furious. This has dropped my credit score SUBSTANTIALLY as I am trying my best to repair and pay off debt that COVID caused me to accrue as I lost thousands of dollars of income due to the pandemic and one entire job.
They are FRAUDULENT and THREATEN their customers with severe legal action against them if they dont cough up money- REGARDLESS of the reasons being loss of wages and income due to a global pandemic. This is crippling me.
08/24/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
TN
38105
Web
Im a victim of identity theft and have fraudulent accounts that have been opened in my name with a companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for these fraudulent accounts to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed these fraudulent accounts as fraudulent accounts, and it is documented with the XXXX police department that, Im a victim of identity theft. There are also fraudulent addresses on my credit file reporting that are fraudulent addresses as well in which, I never resided at the addresses listed. I have those addresses listed on my FTC/IDENTITY THEFT REPORT as a fraudulent addresses as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent credit card account being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming these accounts as a fraudulent accounts, and these accounts need to be deleted/removed off of my credit files asap. These are not my accounts, and I shouldnt have to deal with an issue as such. I need assistance with having these accounts removed off of my credit files, and out of my name immediately.
01/14/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
FL
33498
Web
I took advantage of offer of deferred interest from XXXX when purchasing a product, they had a store credit card at time with Comenity Bank. I returned many products, XXXX informed me in writing that they had " credited my account '' yet they failed to issue the credit to my comenity bank card, my ONLY account with them. Now they are saying that I had huge credit with MY ACCOUNT, but only one I could access or knew about was my Comenity acct. The two companies have stopped working together, and when Comenity did not see my credit, timely, they put all interest, finance charges and late fees back to balance on my card. XXXX claims it is too late to fix their mistake for not issuing credit to acct when it was issued, but timing is everything with deferred interest! They still owe me money, to this date, I told them to issue me refund and I will use that refund money to pay the interest and penalty charges with Comenity, even though those funds really belong to me, yet XXXX refuses, saying they will only offer me more merchandise for what is owed! So, Comenity is charging me over {$1400.00} in deferred interest, finance, late fees that I should not owe, save for the XXXX error, they are ruining my credit by reporting me late each month, for not paying this money they are extorting, and XXXX admits to mistake, but refusing to do anything to inform Comenity I should not have to pay deferred interest, they refuse to refund me more monies they still owe me, and my XXXX XXXX is now ruined ( XXXX ) due to each month this outrageous amount of fees and interest is being reported as late payments! Comenity refuses to acknowledge problem and just tells me to pay or they continue ruining my credit! .In XX/XX/2020 XXXX recognized another mistake they had made charging my Comenity account for something I had paid for using credits, and they sent the credit to Comenity 3 months following their breakup, but now that I need them to do the same, they refuse saying they can't issue credit now that they don't work together any longer. XXXX should be charged with a crime for doing things like this, comenity Bank is just taking advantage of me like a " gotcha '' and I am left paying a huge price for doing business with both of these companies!
10/21/2021
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
CA
94583
Web
On XX/XX/2021 I initiated an ACH transfer from Comenity Direct Bank to transfer funds from my Money Market account at XXXX XXXX XXXX XXXX in the amount of {$490000.00}. The following day, XX/XX/2021, I learned that the XXXX XXXX XXXX account had closed and the funds were transferred into my XXXX savings account. I tried to remedy the situation by calling Comenity and advising them and also set up my XXXX savings account at Comenity to allow for ACH transfers. On XXXX XXXX I linked the XXXX savings account to Commenity bank and successfully reinitiated the transfer of funds from my XXXX savings account to my savings account at Commenity XXXX in the same amount.
On XX/XX/2021, Commenity charged back for the initial ACH transfer that could not be completed, however around the same time they placed a restriction on the account denying me access to all funds in the account. After making several calls to resolve the matter, on XX/XX/XXXX I was told by XXXX on the account protection team that the hold should not have been made and that it would probably be released in 3 hrs on the same day. On XX/XX/XXXX, I called in the morning and am being told that two managers have signed off to release the hold, but there is yet one more manager who still needs to approve of the release of the restriction which was the same thing I was told the day before. I asked for the managers name when I called on XX/XX/XXXX and they said they would send the persons name to me by secure message. I have not yet been provided the name of the manager and I am also told that the person is not on vacation. It has now been 17 days since the restriction was placed on my account and I have not been given an explanation as to why my funds are being withheld. I am not seeing an end in site since I keep being told it will take 3 to 5 business days and they are still waiting on one specific manager to sign off on the restriction. This is an absurd, frustrating and time consuming process that makes no sense. I ham not being contacted by Commenity or being given any information as to why I can not access my funds. I am requesting the Consumer Financial Protection Bureau assist me in gaining access to my deposits as it feels like the process is completely stuck!
07/18/2020
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Application denied
FL
33316
Web
Obtaining credit should be based on legitimate factors such as your expenses, debt, income, or your credit history ; it should not be based on arbitrary factors such as your race, religion, sex, or other personal characteristics. Lending discrimination occurs when a creditor takes certain protected personal characteristics into account to deny credit or to impose unfair terms or conditions on loans. The federal Equal Credit Opportunity Act ( ECOA ) prohibits creditors from discriminating on the basis of race, religion, sex, familial status, national origin, age, and applicant 's use of public assistance.
Consumer 's Rights under the ECOA The ECOA entitles you to an equal opportunity to obtain credit, but it does not entitle you to the credit itself. Factors such as your credit history, expenses, debt, and income determine a denial or approval. The ECOA applies to banks, financial institutions, credit card companies, or anyone else engaged in granting credit and requires creditors to engage in certain policies and practices. For example, when you apply for credit, a creditor may not ask you to reveal your race, sex, national origin, religion, or whether you receive public assistance income. As I have discussed in previous conversations and I do with many business I am a XXXX, Female, woman of XXXX descendants ( Making small talk ).
I had two accounts XXXX XXXX VISA and XXXX Mastercard both paid on time and never late. After sending out the documents requesting I was approved only to find out that the XXXX XXXX VISA was closed about a week later and the XXXX Mastercard was closed XXXX XXXX. No explanation for the closing of my accounts were sent and in fact, I understand that Credit Card companies are currently able to close at free will.
My concern is that Comenity Bank and its affiliates Comenity Capital Bank sends me the same bogus letter ( I have enclosed the letter ) almost two years after they chose to close the two above mentioned accounts. I have reported this to CFPB before but since then the Bank has chosen to retaliate against me. Is there a good reason why this bank is currently getting special treatment above the law on lending? And if so would you please send me the documentation pertaining to it?
08/21/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
TX
77581
Web
On XX/XX/XXXX, I called XXXX and XXXX XXXX Comenity Bank ) to pay off the promotional balances that were going to be due very soon for the amount of {$3800.00}. They include : Promotional Amount Balance XXXX XXXX {$390.00} XXXX XXXX {$290.00} XXXX XXXX {$180.00} XXXX XXXX {$29.00} XXXX XXXX {$1400.00} XXXX XXXX {$610.00} XXXX XXXX {$290.00} XXXX XXXX {$550.00} XXXX {$3800.00} I spoke with a customer service representative who assisted me with the payment and who assured me that there would be no issues. The reason I called a service representative instead of making a payment online was because I had requested a forbearance in XX/XX/XXXX because I was laid off due to COVID-19. Therefore, I had no payment due in XX/XX/XXXX and wanted to make sure the {$3800.00} payment would be applied to the promotional balances that were expiring soon ; especially since I am aware that with multiple promotional balances, Comenity Bank applies payments in a certain order.
The only reason that I was able to pay that money was because I received my family 's stimulus check and made a smart decision to pay off these promotional balances since I was not sure when I would find work again. I have called numerous times to fix this issue but it is never resolved. I am told that the money was applied to a promotional balance that expires in XX/XX/XXXX XXXX XXXX ). It makes no sense for me to send that much money to pay off a balance that is due more than 3 years from now when I have promotional balances expiring in a month.
If my payment was not going to be applied for what I requested, I should have been informed during the call. I was told my requested payment would be applied to the mentioned promotional balances and that did not happen. Please help.
I included XXXX files.
The file titled Confirmation Payment Letter is proof that I made the payment over the phone and spoke with a customer service representative who assured me my payment would be applied to what I had requested The file titled Promotional Balances Payment Originally Requested shows in detail the promotional balances that were discussed to be paid The file titled XX/XX/XXXX statement is for ease of reference and has the promotional balances mentioned on pages 4 and 5.
11/26/2019
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
MS
39367
Web
I contacted comenity bank to request a credit limit increase on XX/XX/XXXX. I did this submission online in my online account. So I did not get a response, so I called them on this same day and I spoke with a supoosedly supervisor. I explained everything and she said all I can tell you is that they will try to contact you concerning this so be sure to answer the phone. Well I have been thrrough this one time already back in XXXX XXXX with comenity and this Victoria secret card. They did the exact same thing and said the exact same thing and I waited and waited and no one ever called. So on yesterday I received a letter in the mail that says they tried to call me and could not reach me. THIS IS A LIE. No one has tried to call me and I have called all 3 of the credit bureaus to make sure my number is on my credit report because I knew prior to dealing with comenity they would say oh your number is not on the report. So I knew the number was on the reports. When I called morning and had to remain on hold for 35 minutes only to be told I would have to go through verification because this happens alot at comeity. The supervisor was rude and she confused me on one of the verification questions. She told me I would have to call XXXX to have the fraud alert off my file in order to proceed. She acted like I was a problem and she did not want to deal with it which is very unprofessional because I am a loyal customer. Never late, pay over the amount needed and spend generous amounts of money with these companies. So I did call XXXX, got the fraud alert lifted and sent in a email that XXXX told me to send in stating the alert was lifted along with a confirmation number. So I call back and spoke with XXXX, explained this situation over once again and asked for a supervisot, she comes back to the phone after I am on hold for another 25 minutes to tell me that the supervisor XXXX would not speak to me and he said send in a utility bill to verify who I am.Which I have done but cant seem to get a answer from amyone now. Thats unprofessional as well when he is the supervisor, that is not how you treat loyal customers, if it was not for me having a card they wouldnt have a job, so dont treat people wrong and that is why I am upset.
02/20/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
11757
Web
I never received a bill in XXXX. The last payment I made was XX/XX/2020. Because the interest free promotional period was near, I thought I did not receive a bill because my balance was XXXX. ( That was the case for another company, I have 3 interest free promotional periods ending within a2 month period, so I was confused ) I still tried to call several times to confirm but could not get a human on the phone. The automated system said my balance was the same as my last payment, it sounded like I was done but still wanted to speak to someone. I tried calling again during the week rather than the weekend on 2 seperate occasions and still could not get a human on the phone. I received a text on XX/XX/XXXX from an unknown number telling me I missed a payment. I called and that's when I was told the bank changed and the bill now comes from elsewhere. I explained that I never received anything and wanted a bill to ensure it wasn't a scam. I still haven't received anything in the mail. I looked through my mail for the new envelope but it has a due date for XXXX. I never received a bill for the XXXX due date. I have a XXXX promo finance charge, a late fee charge of XXXX and it says my previous balance was XXXX. I also have a charge called promotional revolving at XXXX. I don't understand the charges and I asked them to waive the fees and interest since I never received anything. The promotional period ended in XXXX and that is when I did not receive a bill. I thought maybe I didn't see the bill because it was sent in a different envelope and I didn't open it yet since I was looking for the same envelope I've seen for the past 2 years I've been paying this bill. But upon looking through all my mail the only bill I see from the new company is due in XXXX. Also the account number on this bill is different than the one I've been paying for the past 2 years. I easily get on the phone when I call the number that texted me but when I call the number given to me by the store I made the purchase from I can't get anyone on the phone. The store I made the purchase from did confirm that they changed banks but didn't understand why my account number was different. I want to pay my bill but only the remaining balance if I had one.
08/12/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
OH
44116
Web
I signed up for an XXXX credit card in store with a {$1000.00} limit in XXXX XXXX They failed to send me a physical card but I was able to buy things on the account anyway. This became a problem when it came time for me to pay the card because every store I went to had different answers about whether or not I could pay the bill in store - sometimes same store, different employee response.
I called, got the directions to use USPS mail to send my written social security number and ID scan into.so they could verify my identity before sending a physical card. I received a letter in the mail over a month later stating that my identity check was rejected - no reason why given. When I called and asked, they also couldnt tell me the reason for rejection.
I spoke to them again in XXXX when they called to collect my bill payment with a late fee on it. Keep in mind I still cant pay the bill online or in store. I asked them to remove the late fee and I agreed to pay the remaining ( actual ) balance this once over the phone. They agreed and assured me I would receive my card in the mail. I held off on making any further purchases until my birthday came around in XXXX They had started stacking late fees on my account, so I called and paid the balance again but said I would not pay the fees. I called and explained the situation to multiple customer service reps who apologized and said, Im sorry, this is not your fault, which made me hopeful. But once I was transferred to Collections, specifically the Supervisor, she was horribly rude, hardly acknowledged any point I made, and blamed the entire situation on me. Zero options for compromise, not a hint of sympathy. When I told her I wasnt paying the fees and would be filing a complaint, she scoffed.
Since, they have spitefully limited my account limit to barely {$100.00}, further hurting my credit.
I have told the Supervisor of Collections and several other collectors at this point that I dont plan to pay it and Ill be taking a complaint elsewhere, yet they call multiple times a day from several numbers or No Caller ID. Its harassment.
This is also not my first nightmare experience with Comenity. If I had realized they were funding the cards I never would have signed on.
02/24/2019
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
VA
24202
Web
On Saturday, XX/XX/XXXX, I logged online to check my XXXX Card ( issued by XXXX XXXX ) account prior to ordered a sample backsplash tile to update my kitchen. Upon checking my account balance, I was startled to learn that my available credit was {$19.00}. I was surprised because I knew I should have had more than {$300.00} in available credit, with a balance of {$370.00}, which put my utilization at a little more than 50 %. On XX/XX/XXXX, I received an email ( and a few days later, a posted letter ) alerting me that my credit line had been increased. Only after that did I make another purchase of a little less than {$100.00}. I have done nothing but pay my bill on time every month, and I usually pay a little more than my minimum payment each month. I called tonight, XX/XX/XXXX, and was told that the bank must have received information that made it lower my credit line increase. While on hold to speak with a supervisor, I checked my credit score and learned that my score was updated just today and has been steadily rising. In fact, with XXXX now dropping my credit line, my credit utilization has sharply risen to 90+ %, which will definitely have a negative impact on my credit.
My issue here is that with an offer of an increased credit limit, my use should have been acceptance of the offer. Therefore, their reneging on the terms seems less-than-honest, especially for a customer who has consistently paid on time, and this will have a supremely negative impact on my credit report in a way I had no control over happening. Additionally, while I understand from speaking with the supervisor tonight that a letter has been mailed, it is a poor policy to drastically reduce a credit line without so much of an email saying that something changed on my account, allowing their customer to be shell-shocked by a suddenly-increased credit utilization on their account. I am disappointed in this company, and I am seriously considering whether I want to continue doing business with this company. While my {$390.00} may not be significant to XXXX, it is significant to me, and I will make sure everyone I know is aware of the shady practices this company displays to faithful customers who pay on time and never exceed their limit.
10/10/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
OH
45640
Web
On XX/XX/1018 I filed a dispute through Customer Service at XXXX XXXX for account ending XXXX. The dispute is concerning the {$810.00} promo finance charge added to my account on XX/XX/XXXX. In that dispute, I felt like the payment structure was not set up correctly so that I would have made the final payment on the promotion within the 12 month period allowed. I made the minimum payment that you set forth and assumed the last payment would be a different amount and waited for that statement to reflect that.However, when I received that statement the finance charge had already been assessed. I asked in the dispute that the finance charge be removed.
When I got home that evening and pulled all of my statements out, I also noticed that in XX/XX/2018, they reduced the amount of my minimum payment from {$440.00} to {$410.00}. Once again assuming they were adjusting my payment to still remain in the 12 month promotion. In effect, what really happened was that the difference between the two amounts was {$30.00} a month and it was reduced for 9 months. That equals {$270.00}. My final payoff was {$240.00} so by reducing my payment those months, it caused me to go past the promotional date and incur the {$810.00} in charges. I feel that it is completely unfair and deceptive for them to reduce my payment to set me up for failure in the end and charge me interest.
On XX/XX/2018 I received a letter from XXXX telling me that I could provide additional documentation. I replied on XX/XX/XXXX with a letter as well as my statement showing when they reduced my payment and the calculations that make it appear they purposely reduced my payment so the final payment would fall outside of the 12 month period. On XX/XX/XXXX I received a letter from XXXX XXXX stating the finance charge would remain. The letter was dated XX/XX/XXXX-only two days after the first letter asking for additional information. I feel as if that was deceptive also. Why would you say that I could provide additional information when you had already reached a decision?
In summary, I asked that the finance charge to be removed. I feel the practice of reducing my payment to guarantee that customers will go past the 12 month due date is unfair to consumers.
03/10/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
93933
Web
I have paperless billing and have always logged in online and paid my monthly balance due. On XX/XX/2020 I signed into my online account and paid my balance in full, {$3100.00}. Today, XX/XX/XXXX, I receive an email notifying me I have a payment due and a balance of {$850.00}. After my payment it appears that they charged the following : they back dated the following : XX/XX/2020 {$730.00} Finance Charge ; XX/XX/2020 {$730.00} Promo Finance Charge Adj ; XX/XX/2020 {$1200.00} Promotional to Revolving. I have always paid my payments by the online paperless billing. Unaware that I was going to be charged the thousands of dollars interest for a promotional plan I opted for 18 months ago. Since I chose paperless billing I never received any type of notification that the promotion was going to expire or when. I did not look at my statements online, I just paid my monthly payment. I have borrowed money to pay all my credit card debt and when I logged into my account on XX/XX/2020 I paid the balance in full, now, 4 days later I owe {$850.00}, how is that possible? I have been charged almost as much interest as what I owed on the account, I dont understand this at all and when I called the company they just patronized me explaining this is a banking, binding contract. I was never notified by any electronic means that the promotion was expiring on XX/XX/2020 and most importantly they did not charge me until after I paid my balance in full. This is not right that they did this without any notification. If they allow customers to accept paperless billing then they should send out notifications of like kind that promotional billing is going to expire. I had another credit card that would flag me when I made my payment that I had a promotion that was going to expire, so I knew I had to do something. In addition, they gave me 30 days from the date the promotion was going to expire to pay the promotional balance, and they did. I am very frustrated and believe this is wrong, I should have been sent notifications and I was not ; when I paid the balance in full the charge should have been on the account, not after the balance was paid. I paid 100 % what was owed on the account on XX/XX/2020, I should not owe anything else.
02/26/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
PA
15317
Web
On XX/XX/XXXX I authorized the payoff balance of my XXXX XXXX XXXX Credit Card for {$3200.00} in order to close out my account that would then result in a {$0.00} balance. The payoff amount was automatically generated to cover any and all interest charges on the account during the timeframe of the payment. The payment posted on XX/XX/XXXX. Five days later on XX/XX/XXXX my bank account was credited back {$25.00} which was stated to be a credit refund ( attached for reference ). On XX/XX/XXXX I was sent a statement stating that I now owed a balance of {$23.00} for interest charges ( attached for reference ). Immediately after receiving the statement, I called the customer service line to inquire on the recent charges of {$23.00} that were now showing I owed. The customer service rep apologized for the confusion and stated that I did not owe any charges and my account would in fact remain at {$0.00} as it was at the time it was closed out on XX/XX/XXXX. Right after XXXX, I had been taking care of my elderly XXXX who contracted XXXX XXXX and had gotten extremely ill so I will admit that I hadnt been up to date on staying on top of my emails after the XXXX XXXX however to my knowledge my account had been closed out for an entire month after paying off the balance IN FULL back on XX/XX/XXXX. I did not ever think that I would have to worry about later posted fees that would be assumed I now owed? Now, almost 3 months later the balance is STILL showing as owed on-top of multiple late fees acquired which have in fact affected my credit score to decrease. I made one final phone call this afternoon to the customer service line and even requested to deal with a manager level rep who not only informed me that there was nothing they could do about the charges now being owed but also stated there is no history of ever crediting my account for {$25.00} ( which would have covered the later posted interest charges ) when it is clearly stated directly on the statement received on XX/XX/XXXX ( highlighted and attached ). I have not only been lied to twice now but have wrongly been credited back an amount just to acquire another charge at a later time. It seems this was done on purpose for closing my account. This is fraud.
01/06/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
NY
13316
Web
RE : Comenity Bank payment options.
I have a " COMENITY - fullbeauty '' card that I use intermittently. My XX/XX/XXXX statement showed a balance of {$140.00}. I scheduled to pay it in full, electronically, on the due date, XX/XX/XXXX. As of that date, I didn't owe anything on this account. I receive e-statements, but didn't pay attention if/when I got one in XXXX, because I knew the account was paid in full. I happened to check the account today and saw a balance for interest charged on XX/XX/XXXX of {$2.00}. I immediately went online to pay it, but decided to call Comenity to ask how/why I was charged interest on a {$0.00} balance. I wanted to dispute both the interest and any possible late fee.
Apparently, last XXXX, Comenity sent an update in terms that instructs account holders to select their online payment method differently if they are paying off the account in full. If you chose the wrong method, it breaks the payment up. You have to choose the " Save on Interest '' option. So, it sounds like I selected the " wrong '' method, my payment was only partially applied, and they charged interest on the other half of the balance, even though I had already paid it. I guess I would be OK with it if their system auto-corrected it, but it doesn't. Without a phone call, I would have had the {$2.00} interest charge plus another {$41.00} late fee owed, on a {$0.00} balance. The rep I spoke with was very nice, and spoke impeccable English, but her accent made it difficult to understand, so I am not 100 % I know what she was telling me. It feels wrong, or at least fishy. If I hadn't called and argued, I would have owed > {$40.00} for not following their weird and arbitrary rules that I didn't know about, and still don't understand. If thousands of account holders just let it go, that's a lot of fees. I don't understand why they would do this other than to trap unsuspecting customers. I'm sure they sent the terms, but I couldn't follow what the rep was telling me, so I doubt I would understand the notice they sent. Oddly, I can not find the terms letter they allegedly sent, even though I have Comenity accounts for at least 5 different stores.
Thought someone there should know. It just doesn't seem right...
01/24/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
11553
Web
I paid flying travelus {$970.00} using my PayPal credit card on XX/XX/XXXX for a travel ticket to XXXX from XX/XX/XXXX and returning on XX/XX/XXXX. I didn't get the ticket and I contacted the agent and I was told that PayPal refused to pay them.
The agent gave me a XXXX XXXXXXXX XXXX account to make a deposit of {$950.00} into their bank account on XX/XX/XXXX. After, making the deposit, the agent didn't deliver on our agreement. After 7 days of constant calling to the agent, he sent me a XXXX airline ticket that was later cancelled the next day. I contacted PayPal on XX/XX/2017 and told them to cancel the transaction because the seller couldn't deliver on our agreement.
I received a letter from PayPal that they would need more evidence because the seller submitted evidence that he delivered the transaction. I sent the cancelled XXXX airline ticket to PayPal plus other fake tickets that the seller sent to me and a Bank slip that I later deposited the cash to the sellers company 's account at XXXX XXXX XXXX in XXXX XXXX, NY.
I received a second email from PayPal that they would deny my claim because they could not find any misrepresentation with the seller. I called them and asked them to contact delta airline if they would like to know if I am telling them the truth. I was told to submit a police report after I told them that I had reported it to the XXXX first precinct.
I sent PayPal the police report plus the fake ticket and my new purchased ticket on XX/XX/2017 before I travelled to XXXX on XX/XX/XXXX. I got an email from XXXX on XX/XX/XXXX while I was still in XXXX for my wedding that they are denying my claim after their investigation because they do not see any misrepresentation with the transaction.
I can not understand what they mean after all the evidences plus police report instead they went ahead and released payment to the seller for a transaction that they didn't deliver plus i had already deposited the money to therheir bank account for the same transaction. Now, PayPal is expecting me to pay for a transaction that I didn't receive plus I had lost {$950.00} by making the deposit into their XXXX XXXXXXXX XXXX account and now {$970.00} for PayPal. The claim number is XXXX with PayPal.
04/30/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NJ
08054
Web
I have a very hardship and was sick for a long while during the pandemic. The charges of BJ 's master card issued by Comenity Bank are extremely high and quite amount of charges can not be found in the charges of my BJ 's orders on BJs ' website. I have no energy to check the charges and am stressed out as afraid that my family to catch the virus from me when I was sick. I still have no energy now to check all the charges, but tried my best to pay off $ XXXX balance though I am short of money. I contacted the Comenity Bank to ask them to waive the late fee charge $ XXXX because I had a very hard time and paid off the balance at one time. Some item I ordered from BJ 's was not shipped to me because of out of stock and was not refunded me as I was told in XXXX. I doubted quite amount of charges in my account, but I did not ask them because I am sick and have no energy. But I was extremely upset as I got the Comenity Bank 's replies. In the first reply, they lied to me, saying there is no late fee charge in my account. In the second reply, they lied to me again, saying they didn't charge me late fee, it is master card 's charge. a lie. In the third response, they said I should pay on time without any mercy. Since I have been their customer more than 6 years ago, I always pay on time. During this hard time, I am sick and have no energy to question the charges as they are extremely high and quite amount of charges are unrecognized. I understand that they are having high amount of business to handle though BJ 's customer service did not respond to my emails. I paid the large amount balance at one time and need to submit my doubts/debates when I am recovered and have energy. I am so kind that I did not want to debate the unrecognized charges now because it seems that the BJ 's people are too busy to respond to my emails these days. But Comenity Bank is so cold and take advantage of people during this hard time.
I submit my complaints against Comenity Bank to you and hope you can tell this Bank to be a good citizen, not just XXXX up people during this hard time. I ask Comenity Bank to waive the late fee charge {$32.00}. Please help me and other people because they are doing bad things to other consumers too.
04/22/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
CA
93611
Web
XX/XX/2021 I applied for an XXXX credit card through comenity bank. I was told Id get something in the mail. I received a MasterCard with a credit line of {$1000.00}. I registered it on or about XX/XX/2021. On my account today it says I have {$1000.00} credit line but I tried to use it today and through phone calls found out the condmity closed the account punt. They said they sent a letter but I do not recall receiving a letter about XXXX rewards MasterCard. I called the first time to see why it was closed and it took me through a menu stating that the issuer closed the card and no contact info provided to investigate. I called again, and the third and this time I didnt enter my a count number so I could get to an agent. I told her that they make it impossible to talk to a live person by putting all the layers in place and that I wanted to file a complaint. She said she didnt know how. I asked to speak to a manager and told her what happened. She say the letter says it was because I had previous negative accounts with comenity bank. I asked her then why did they approve my account? These are old accounts that have been charged off by the bank and other firms are trying to collect the debt. I told her Im trying to rebuild my credit and once its charged off how do they use that negative info to close a card they actually issued snd mailed to me. I registered the card and activated it on or around XX/XX/XXXX and yet the manager says the closure notice went out before that. She told me to go to comenity.net/ultimate rewards and there is a menu I can use to contact customer service. The issue is that the site says my account does not exist. These are deceptive business practices where they build layers of barriers into the consumer process to frustrate so they dont have to answer questions like mine. So I didnt get to submit a complaint. They make it impossible to talk to a human being or email them by making it dependent of the account info entered : this is obviously a huge error on thier part yet theres no accountability here. When I went to comenity.net/ultimate rewards I got an error message that I will attach. Also when I tried to enter my credentials I have attached that error message as well.
08/14/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
FL
33913
Web
Servicemember
As of XXXX XXXX, XXXX, I owed XXXX XXXX, dba Comenity Bank {$450.00}. On XXXX XXXX, XXXX I paid them {$300.00} although my payment was n't due until XXXX XXXX, XXXX. The mortgage company that I am working with to buy a home required that I pay this account in full so on XXXX XXXX, XXXX, I paid the remaining {$140.00}, still days before the due date. Since they did n't show the now {$0.00} balance on my online statement we had a three way call with someone from Comenity Bank along with myself and someone from my mortgage company to confirm that I had a XXXX balance. A few days later I go to check and see if the online statement now reflects a XXXX balance and instead I see a balance of {$6.00} which was added to my account a week AFTER I paid this account in full. When I questioned it this is the response I received from Comenity Bank : " Your question in regards to the interest charge is understandable. On your previous statement, we informed you of an update to your Credit Card Agreement ( CCA ). This notification was to inform you that beginning on your next statement, purchases made outside a Grace Period would be assessed trailing interest resulting in a finance charge after the balance is paid in full. Interest is charged from the transaction date until the balance is paid in full. Since interest is calculating until the date the payment is received, you will receive a statement for the interest charged in the previous billing cycle. If you pay the trailing interest finance charge statement by the due date, you will not be assessed finance charges during that bill cycle the following month. '' Keep in mind that I had not made any purchases at XXXX XXXX in months and also I, like many people these days, pay my bill online. While I do receive a " paper bill '', I do n't even look at it as I know when my payment is due and I pay it days before it is due so they slipped in this " trailing interest '' without me knowing about it. I feel it is completely unethical for any company to do this especially when they have already charged the consumer over 20 % interest. While this {$6.00} does n't affect me financially, I feel it is an underhanded practice and should be investigated. Sincerely, XXXX XXXX
08/21/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NY
10005
Web
Comenity Bank/Wayfair incorrectly reported a credit card balance after I fully paid off the balance and closed my account in XXXX, XXXX. This resulted in a delinquency record on my credit reports and a significant damage to my credit score. I contacted Comenity Bank and all three credit bureaus ( XXXX XXXX, and XXXX ) multiple times during the past month - Comenity Bank has been extremely difficult to deal with.
After many phone calls I was not able to get a response from the department that handles credit report disputes. Their representative first said that they already sold my account to a collection agency and would not be able to help me. I then had a conference call with Comenity Bank and the collection agency to confirm that there was no outstanding balance associated with my Comenity Bank/Wayfair account, as the collection agency already did an investigation in response to my dispute and promptly removed their false collection records from my credit reports. But Comenity Bank is still not able to remove their false information in a timely manner. I was given conflicting directions - one representative told me to file a dispute directly with the credit bureaus, and another representative told me to mail a letter to the Comenity Bank department that handles disputes. I did both, and XXXX a letter with supporting document to Comenity Bank on XX/XX/XXXX. The XXXX tracking number shows that Comenity Bank received my letter on XX/XX/XXXX. However, as of XX/XX/XXXX, no one in Comenity Bank was able to confirm if they received my mail or not, and if anyone was reviewing/working on my case. A Comenity Bank representative told me that even if they received my letter on XX/XX/XXXX, it could take up to 90 days to review and reach a conclusion. This is an unacceptable amount of time, especially for a case that was already investigated once by the collection agency that Comenity Bank used.
Comenity Bank/Wayfair is by far the worst financial institution I have had to deal with. They do not have the ability to handle customer account records correctly and resolve customer concerns timely. Their irresponsible actions have resulted in a significant damage to my credit score and financial implications.
01/04/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
92596
Web
I had a XXXX XXXX card for over a year. And have had nothing but issues with this company. The first time I went on to make a payment it was fine. Second time, my payment just disappeared. I had a screenshot that said I scheduled the payment and the amount was pulled from my banking account. But nothing showed up on the XXXX account for payment so they charged me a late fee. I called and got it sorted but it took almost 3 hours. Then! The next time I went to make a payment I had done a in store return so it shouldve showed up as a credit on the account. So when the refund posted I went on at the end of the month and scheduled the payment ( the remaining balance ) for the due date. Which was like the XXXX of the following month. So I thought I was done. That amount was pulled from my checking account and I never got a call or email or letter from XXXX saying I had a balance on my account. And I knew it was at XXXX because I paid it. Well 3 months later I get a text saying my account was being sent to collections in 3 days if I didnt call and make a payment. So I called and they told me that I hadnt made the last payment on time so the account was charged a late fee. And because I never paid that late fee they charged another. And so on like that for 3 months. And on top of that there was like 3-4 misc charges for different amounts on my card. When I called to dispute it because I had scheduled that first payment well in advance so there shouldnt have been any late fees. The rude guy on the phone told me that even though I scheduled the payment in advance, since the due date was on a weekend it didnt post until the following Monday and thats how a late fee was accrued. Which is ridiculous. We argued. And the guy on the phone said if I paid {$35.00} late fee he would wave the rest and it wouldnt be sent to collection or be reported to credit bureau and affect my credit score. Well guess what! Few weeks later a get an alert that there was a ding to my credit because of missed or late payments. It affected it by like 40 points. So Im reporting XXXX credit card for charging me wrongly, lying and for the fact its illegal for companies to charge late fees to people if dues dates fall on non business days
04/07/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Card opened as result of identity theft or fraud
FL
32004
Web
Servicemember
The bubbles provide did not accurately describe my problem. I believe Comenity Bank/VCTRSSEC illegally accesses my credit report. Not only did I NOT apply for a line of credit them I did not supply my SSN # nor did I give them my DOB. Yesterday XX/XX/2021 ) I was shopping online I bought 1 item from Victoria secret ( VS ), at checkout I supplied payment with my personal Visa and completed my purchase. About 30 seconds after my purchase I received an email from my credit monitoring service that Comenity Bank/VCTRSSEC attempted to access my credit? Per my credit monitoring service they told me to contact that bank, so I did. Upon calling I was forwarded to the fraud department. I explained what just happened and the rep. said he needed my SSN to look into it. I told him that I was not going to supply that to him, could he look under my name since that should be on file if someone tried to open an account under my name. He told me NO and that I probably accidently clicked something to apply. I told him that would be impossible since I would have to supply my SSN # and DOB and agree to the card and agree to have my credit pulled all of which I did not do. I have shopped with VS online many times before and never had an issue, but the fact that my credit was pulled within 30 seconds of checking out with VS I believe this company is using illegally obtained information i.e. SSN # Dob etc how else would that have that information? I have NEVER had a VS card or any other clothing store cards. I would have though maybe someone was trying to use my SSN if it didn't happened so quickly after my purchase. Also after looking at some stories online I found that this bank has a history of opening lines of credit that were not solicited and the people have no idea how they obtained their personal information. My personal information has been breached a few times so its possible this company has illegally obtained my information from one of these breaches and once they had confirmation of my name and address they linked me and tried to open a line of credit. This is very serious and the fact that they told me they needed my SSN # to look into it and suggesting that I might have accidently applied is ridiculous
11/16/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
OH
45154
Web
I have submitted TWO REG Z BILLING DISPUTES TO XXXX AND THIS WILL BE THE FOURTH COMPLAINT! They just removed one month of negative reporting but left one still being reported!!! - They need to FULLY FIX MY CREDIT REPORT!! AND NOW THEY SEND ME A SBILL SHOWING XXXX DUE!! I 100 % dispute the late payment reported by XXXX AND THE BALANCE DUE. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by COVID. I was admitted to the hospital in XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE! In either XXXX or XXXX, I was able to call XXXX and I had also filed a Reg Z billing dispute and sent to the designated address. The rep I spoke with saw the dispute in review. At that time, I paid the balance of my account but all a {$35.00} late fee THAT WAS IN DISPUTE! That was the only amount due. She told me, I would receive a written response. I NEVER RECEIVED IT! Not long after that call, I was back in the hospital due to complications from XXXX. I was just sent home yesterday. I was unable to take any action or call anyone regarding this account! XXXX needs to remove ALL THE NEGATIVE REPORTING THAT HAVE REPORTED AND TAKE MY BALANCE TO XXXX AND CLOSE MY ACCOUNT!!! THEY ARE IN TEH WRONG HERE!! HOW DO I OWE {$110.00} WHEN ALL I " OWED '' WAS {$35.00} THAT WAS IN DISPUTE??!! THEY NEED TO GET IT TOGETHER AND RESPOND TO THEIR REG Z DISPUTES AND COMMUNICATE WITH CUSTOMERS!
08/16/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Incorrect information on your report
Account status incorrect
VA
22401
Web
I decided to zero out the Comenity Bank credit card in XX/XX/2021 due to 1 ) not being able to use the credit card at all, 2 ) due to the outrageous amount of money I had paid for 2 fishing poles from XXXX XXXX, which was my only purchase. In XX/XX/2021, the balance was {$37.00} and there had been no additional charges. Prior to the due date or either on the due date, I was given the run around when I tried to pay off the {$37.00}, I was told I had to pay {$35.00} in store and pay the additional {$2.00} over the phone or online. So on the same day I made two payments equaling the exact amount of what was due. During the said day, I spoke with two maybe three customer service representatives and I advised that I was not happy, and that I wanted nothing more to do with Comenity Bank since my credit limit had been cut in half due to me not using the card, and secondly because I could never use the card to make any purchases only the first for the two fishing poles. After the last and final payment in XX/XX/2021, I was advised that the balance was {$0.00} and that I would be in jeopardy of Comenity Bank closing the credit card if I did not use the account/credit line. Again, I could not use the card and I was not interested in doing further business with Comenity. Fast forward to XX/XX/2021, Comenity Bank has somehow charged my {$2.00} in the month of XX/XX/2021. I was not aware of the {$2.00} charge and since then Comenity Bank has assessed two late fees in the amount of {$14.00} and it has affected my credit negatively. When I contacted Comenity Bank to inquire and resolve the issue I was told that the {$2.00} charge was assessed in XXXX and it was interest. However, this is fraudulent because I made no purchases and the entire bill was paid on/before the due date in XX/XX/2021. So there should have been no additional charges or fees. According to the 2/3 representatives I spoke with in XX/XX/2021, on the date I made the final payment, I was advised the balance would be {$0.00} and I would be in jeopardy of the account closing. So now, Comenity being the underhanded and unethical company it is has charged my account {$2.00}, fraudulently. Just to continue collecting money and harming my credit.
12/30/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
SC
29406
Web
Good day Sir/Madam, I am writing to file a complaint of fraudulent promotion of its rewards card which is the Good Sam Credit Card of Comenity Capital Bank promoted by XXXX XXXX XXXX XXXX
I could not remember the exact date, but it happened either in XXXX or XX/XX/2018. Heres why this is fraudulent. I went to XXXX XXXX XXXX XXXX to buy a fishing hook. As I was paying for it, the cashier told me that he could give me the fishing hook for free by applying and getting approved for a Good Sam Rewards. I got interested and asked him, Is the Rewards like a XXXX XXXX or XXXX in which you earn points? He answered, Yes. I asked him again, Do I have to pay to join for this rewards? He answered, No, but every time you use it here you have a discount and you earn points. So, I told him that I am interested to join so I could get the fish hook for free and in my mind knowing that the my credit score is really good. Then, he told that I did not qualify for the Good Sam rewards and asked me to pay for the fishing hook. Unexpectedly, he gave me an adapter charger for trying the Good Sams Rewards. I was mad and sad when I left for not getting it for free! After a few days when I checked my mails, I saw the Good Sam Rewards card. I was so upset and told myself that this is a fraudulent promotion! I was not approved as told by the cashier and now here it is in my mail box and its a credit card! He did not even told me that it is a credit card. I immediately threw it to the trash bin.
Today, XX/XX/XXXX, I logged in my XXXX account and it shows I have 6 open accounts. I counted my credit cards in my wallet and its only five. I review my XXXX open accounts and the Good Sam Reward Credit Card is open which I did not activate and was never approved for.
I am seeking help to CFPB to close the Good Sam Reward Credit Card of Comenity Capital Bank under my name which I was not approved for and I did not activate this card. Moreover, any inquiry under my name done by Good Sam Reward Credit Card of Comenity Capital Bank be removed to all the three credit bureau so my credit score is not affected.
I hope that this fraudulent promotion be stopped so other people wont be deceived.
Thank you and happy holidays!
02/19/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OK
73116
Web
Older American
I was at XXXX XXXX and they said I would earn more points if I opened a XXXX Rewards Card, and receive a 20 % off. I shop there a lot and I Said ok. I have perfect credit of XXXX credit score and so they called in and Gave me a temporary card and I charged {$36.00} that night. When I received My statement I called Mastercard and was going to use my bank Debit Card to pay the small amount off and the recording said it will be a {$9.00} Charge to transfer and pay this off by a bank debit card so I just put the Statement in an envelope and wrote a check on XX/XX/XXXX, and mailed it It there envelope with their statement attached and the address showed on The statement to be mailed. I made a copy of both just for my records.
I decided to cancel the card because of the charge they were going to charge And I cancelled and followed the prompts to cancel. I decided to call today And they said I had a late fee of {$28.00} plus {$2.00} and I said that is not right And they said the check did not come until XX/XX/XXXX, and I said that is impossible and they will not take this off and I know this must happen to other people because I know I mailed the check the next day but I did not send it by registered mail. I told them I had perfect credit and never have finance charges Let alone a late fee. I was very upset and told them this was taking advantage of me because they said the account is closed now and they could not change it. This is the principal of the thing and I have not received any late fee amount In the mail but they said they would send It. I ask who it would be paid to as I again said it was mailed the next day after XX/XX/20, and they said to call the Post office and made fun of me. I am XXXX but a XXXX XXXX and I fell because they know my age this must happen to others but it is not honest and I have 4 credit cards and never a late fee. I want Master Card thru I found out XXXX XXXX XXXX to take this fraudulent charge off my record.
My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Okla. XXXX And the credit card number is XXXX XXXX XXXX XXXX and it was paid even before it was due. This is almost double the amount I charged and it is taking Advantage of me and maybe other seniors.
02/02/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
CA
93277
Web
I open a Victoria Secret 's card in XXXX of XXXX with a limit of XXXX and used it fairly often since. I have always paid over my minimum payment and have never made one late payment, I have even made double payments multiple times. On XX/XX/XXXX I had about XXXX in available credit so I made a purchase online for XXXX, which should have put my balance up to about XXXX. At XXXX with a credit limit of XXXX I should have still been under the limit. On XX/XX/XXXX I recieved and email stating I received a secure message to log in to my card account to view. When I check this message dated XX/XX/XXXX it states my credit is being decrease to XXXX claiming because of a change to my credit score. The next day XX/XX/XXXX I recieved another email stating my statement closing XX/XX/XXXX is ready to view. So I check it and I see the new decreased credit limit is showing on this statement ( two days prior to the letter ), and that I have available balance of XXXX dollar as of XX/XX/XXXX. I'm very confused for two reasons, first because well ok credit scores change all the time, but there are mistakes all the time. I understand credit companys use these tools to decide who and who not to extend credit to but I not applying for a new card I am card holder for close to a year now and I have proven to this company my credit worthiness with early and over minimum and even double payments. I have never gone over my limit or made a single late payment. How exactly does a random change to my credit score nullify all of that. Secondly why did my account show my limit as XXXX on XX/XX/XXXX if it had already been decreased? And why was I not notified until the XXXX? Why would a company lower my limit the same day or two days after ( which ever is actually true ) that I made a purchase that left my account balance over XXXX dollars over my new decreased limit? This bank has completely screwed me over, now I am going to be forced to pay close to XXXX by my next bill closing date just to be barely under my limit so I don't recieved an over the limit fee, an extra charge and my credit will not be dropped to a lower score because I have used all of my available credit. This is wrong, I can not believe this is legal.
01/22/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NJ
07310
Web
We made purchase at XXXX XXXX and were offered a credit card by Comenity Bank with no interest for 12 months. We ended up signing up for the card. To avoid any late fees the bank suggested setting up an auto payment and also signed us up for paperless statements. The system has been debiting our account automatically for the past year and we didnt see any issues except for the fact that the bank signed us up for minimum statement due and when we hit 12 months mark in XX/XX/XXXX end the bank charged us around {$700.00} in interest fees We were not made aware of the charge by email or text as we were still on the auto pay. when investigating why we are still paying in XX/XX/XXXX, we see that the bank has charged us interest and has been doing so for the months of XXXX and XXXX for $ XXXX each month in addition Issue - 1. The bank signed us up for auto pay for the minimum due and not the statement balance. The bank doesn't give the option to pay statement balance and hopes customers sign up for minimum balance and accrue interest, knowing that consumers will not see the interest accrued for 12 months and will forget with paperless statements. As a result they will hit the customers account with huge interests and wait for 12 months to collect the interest as the customer is not tracking the account with with auto pay and phone/email notification.
2. The bank also didnt send us any email or phone notification of the charge even though we have signed up with out email and phone. On asking them about it, they mentioned it is on the statement ( that we dont receive by mail nor by email ) that we should have logged into the account and clicked on the notification center to download and see.
I am sure this is not the first time this has happened. The fact that the bank gives auto pay options only to pay off minimum due amount and not statement balance shows that they want customers to accrue interest so that they can slap it on the account that is in auto pay mode We trusted the bank and signed up for auto pay and signed up for notification and paperless statements. That now has caused us to pay the bank {$800.00} in additional interest fees.
Happy to provide more information as needed.
04/07/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
11717
Web
Last XX/XX/XXXX, I received a statement of account dated XXXX XXXX, XXXX from Wayfair for a purchase I made way back in XX/XX/XXXX. Because the purchase was a good 10 months ago, I am almost certain I had already paid for it, because I always make it a point to pay my credit card bills on time and in full. So on XX/XX/XXXX, I called Comenity ( the bank that issues the credit card for Wayfair ) to make a dispute.
I received a response last week from Comenity ( dated XX/XX/XXXX XXXX, saying that there was an error in processing, that the XX/XX/XXXX purchase was charged to my Wayfair account, but it did not post until XXXX XXXX, XXXX. They also said I should provide the receipt and documents proving my payment.
I do not hold records as far back as XX/XX/XXXX. My husband and I were paying so many bills because we were renovating our house then. Not one of the suppliers or merchants complained, because we were paying religiously.
I could only show them that my online Wayfair account shows a balance of only {$4.00}. I also just decided to send them a check for {$160.00}, the purchase amount, just to get it over with.
What upsets me is that they said they already informed the credit bureau reporting agencies ( XXXX, XXXX, XXXX and XXXX ) about the incident. The dispute is not even settled, yet they already dragged my name to those agencies. They jeopardized my excellent credit rating, on a debacle that they created.
My friend told me last Monday that the same thing happened to her with Wayfair/Comenity. They were charging her for something that she already paid. She filed a dispute with proof of payment. But it's been a year now, and the issue is still on her credit record. She has repeatedly tried to call Comenity to request that it be stricken off her credit records, but has been told that they don't have a department or contact person in charge of it. On top of it, my friend says that the same thing happened to her mother.
What is it about Wayfair-Comenity? They are suspect if not just plain inefficient. They should not blackmail their customers with credit reports, specially since these incidents were not the fault of their customers, but Wayfair-Comenity 's to begin with.
07/18/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NJ
07103
Web
Servicemember
It started back in XXXX I made a payment. It was never posted to my account so they charge me a late fee. I contacted my bank they couldn't find where they attempted to retrieve the payment. I was told my payment was return for insufficient funds. I disputed this and in the end I was back in ground zero. So I decided just pay them off and cut up the card. I maid two separate payment. The first payment was processed with no problems. The second payment and full amount of {$50.00}, due in XXXX. To be more precise XX/XX/2020. I made the payment on XX/XX/XXXX and it was process on XX/XX/XXXX. It was posted, XXXX balance. I bite the bullet happy riddance. In XXXX I got an email stating a balance of {$85.00} was due by XXXX XXXX. Immediately I said this XXXX, So I immediately contacted Comenity. I was told my payment was rejected again for insufficient funds. I contacted XXXX XXXX XXXX. I was told the was processes on the XXXX on XXXX ID was XXXX paid to Comenity. I call back and I spoke to several customer service rep. Most of them gave the run around and no resolution. So I went into one the Branch ( XXXX XXXX XXXX ) and spoke to The Manger. after and hour and and half he couldn't were the check was return. And more so at the time of transaction I more than enough to cover this transaction .I was told to try resolving the matter and still no where. So I went back to the manager he gave me too option 's The first one was ask them for a IP number this would locate this missing reversal payment. When I call them ask about this IP number they have no record of it, and then the call goes dead. I have made several calls them and still no progress. More important they want me to repay and then they do an investigation. After the investigation they would refund my money if it was a bank error. At this piont I am not making anymore payment. XXXX XXXX XXXX there is no error on there part.So infract if they reverse the payment they sent my payment to someone else. Id id not it to reach this far, I tried to resolve this at the lowest level. And all I get is running in circles. I have the proof of my payment. If The XXXX XXXX XXXX got it reversed. I would been notified. I will enclosed my proof
02/17/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
NJ
08057
Web
Older American
XX/XX/XXXX letter was sent on my behalf by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX. to Comenity Bank, XXXX XXXX XXXX, XXXX OH XXXX requesting a review of my credit history regarding a late payment in XX/XX/XXXX because of inadequate billing notification XX/XX/XXXX dated letter sent from Comenity Bank to XXXX XXXX XXXX and received on XX/XX/XXXX regarding XX/XX/XXXX letter sent on my behalf informing him " To address your concern, we have updated our records and have notified the credit reporting agencies of the changes that need to be made to the credit file. This change should be reflected on the credit file the next 45 days. '' " If you have any further questions, please contact Customer Care team at the address listed below. Comenity Bank, XXXX XXXX XXXX, XXXX Ohio XXXX. '' No one signed the letter. The letter closing was : Sincerely, Customer Care. There was no phone number on the letter.
XX/XX/XXXX dated and certified letter sent by XXXX XXXX on my behalf to Comenity Bank, XXXX XXXX XXXX, XXXX XXXX requesting Comenity Bank provide copies of documents sent by them to credit reporting agencies as stated in Comenity 's XX/XX/XXXX letter for my records and possible follow-up.
XX/XX/XXXX letter sent by Comenity Bank " Card Holder Services '', XXXX XXXX XXXX, XXXX Ohio XXXX to XXXX XXXX informing him his letter did provide enough information for them to locate my account information even though Comenity Bank 's letter dated XX/XX/XXXX indicated otherwise. Comenity Bank 's letter also requested that I forward my name, social security number, address, and phone number. Comenity Bank 's letter did not contain anyone 's name of phone number.
XX/XX/XXXX, date of letter from Comenity Bank, Customer Care team addressed to XXXX XXXX and recieved on XX/XX/XXXX stating : " We can not locate the account. '' Even though I sent the information to them on XX/XX/XXXX. See above.
XX/XX/XXXX, I, XXXX XXXX, sent Comenity Bank a certified letter to XXXX XXXX XXXX, XXXX, OH XXXX summarizing all letters and dates between Comenity Bank XXXX XXXX XXXX and me. In this letter I requested that someone call me to discuss my case and again included my e-mail address and cell phone number.s
02/21/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
RI
02840
Web
I made two purchases through XXXX for home goods and furnishings. I was charged for these in XX/XX/2018 ( although the good were not delivered until sometime after that. ).
When the good were delivered they were defective. Because they were defective and the company refused to taken them back ( claiming the return period had ended ) and had refused to give a credit, I notified the issuer of the Credit Card properly to make a claim under the special rule for credit card purchases. This claim ( a copy of which is attached ) was sent to the address the company requested by mail. The letter dated XX/XX/2018 read as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX RE : XXXX Account Number XXXX I am writing to notify you of two claims under the special rule for credit card purchases. The reason for these claims is that the merchandise is defectiveit does not meet the implied warranties of fitness and suitability. Further there are material defects in the merchandise supplied by XXXX to fulfill these orders. ( Pictures are available should you require them. ) Therefore I seek an immediate and permanent credit of : {$220.00} for order number XXXX charged on XX/XX/2018 {$1500.00} for order number XXXX charged on XX/XX/2018 I have tried to work with XXXX to resolve these problems without success. Therefore, I now must rely on my rights under the special rule for credit card purchases and ask that these charges of {$220.00} and {$1500.00} be refunded to my account immediately.
Kind regards, /s/ XXXX XXXX Subsequently pictures of the defective and damaged items were provided during the " investigation period. '' The credit card company violated federal law by recharging me for these defective good repeatedly and claiming that the " return period had ended '' and therefore there was no remedy available. I have shared all of this information with the House of Representatives Government Oversight Committee which is apparently investigating why CFPB is no longer doing its duty under the law.
The defective and damaged merchandise still remains available for the merchant to come and get or inspect.
11/16/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
CT
06238
Web
Older American, Servicemember
On XX/XX/2019, I returned from overseas, to find my Comenity Capital Bank Mastercard was missing. I immediately checked my account online to find that charges totaling {$640.00} had been made, primarily to an XXXX online store for {$380.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX and XXXX on XX/XX/XXXX. I advised Comenity that I was reporting fraud, the card was cancelled and a new one issued. My notification to them was on XX/XX/XXXX and yet my statement reflects an XXXX charge on XX/XX/XXXX. When I called Comenity on XX/XX/XXXX, I was told that I did not need to call XXXX as they would do it as part of the investigation. I received a letter from them on XX/XX/XXXX stating that my fraud claim is denied as they can find no basis to support my claim. That was the extent of their explanation, except to add that the more than {$600.00} in charges would be put back on my account. I called XXXX after receiving the letter. There were 3 credit card numbers issued to me before and after this fraud occurred. XXXX looked under all three credit card numbers, under my email address, and could find no order number, no tracking number and my email was not in their system. I had looked through all my emails-no record there. XXXX told me that the credit card company should be able to track the charges made, but I received no explanation that they had done so. I appears that there was no investigation. XXXX had no record of speaking to Comenity. Comenity never called me to follow up, other than the form letter they sent. I called the number they gave me if I have any questions regarding the investigation, and after waiting on hold for 15 minutes, I began to discuss this with the representative that answered, and the phone connection was cut. I have laid all of this out in a letter to the company, sent to the address they directed in their letter. I also advised them that I was contacting you as this seems to me to be suspect. What kind of company sends a form letter that tells the victim of fraud no details of what they base a decision like this on. Either I was defrauded or I am committing fraud. Without anything to justify their position that I owe this money, I have appealed their decision.
08/19/2018
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
NY
11204
Web
Date : Applied for a credit card on XX/XX/XXXX with XXXX XXXX.
Summary : After application, I did not receive bill by mail or e-mail. Never used the card after receiving the card. Did not receive notice when amount was due. Bank representatives called to warn but refused to send written notice or explain why notices never came. I was clueless about how to make payments. Do not know how to cancel the card.
Actions : I applied for a XXXX XXXX credit card for an in-store purchase on XX/XX/XXXX. The item purchased was {$27.00}. I left my e-mail account, mail address, and phone number with XXXX XXXX in the application. The card was mailed to my address. However, I never received a physical bill statement or electronic notice. The amount became due on XX/XX/XXXX. I failed to pay because I incorrectly assumed I could not use the card before it was delivered to me and that I had paid for the item with another card. Around XX/XX/XXXX, I received an anonymous phone call regarding late payment. I was worried and promised I would go home and check. After I got home, I realized I did not have a statement to verify the amount and not even the company to which the amount was due. I couldn't call back because the number was anonymous. In XX/XX/XXXX, I received another anonymous phone call. I asked the lady to send me a written notice about the bill and all relevant information. The lady said she did not have my e-mail account. I felt incredulous as I kept getting XXXX XXXX promotion e-mails. I asked why I had never received a mail about the bill. She refused to confirm mail address with me. At some point, I lost connection with caller because I was on subway. Again, I couldn't call back since it was anonymous. I called XXXX XXXX and found out the company was not in charge of credit card services. I searched online and finally found a webpage to " register '' for the card I applied with XXXX XXXX. It was only until then that I learned the real card company -- XX/XX/XXXX. I finished the registration process and paid the full amount on the website. I wondered why the bank could not give me proper notice. My credit score went down. And this is the first time I ever had a late payment in life.
05/03/2021
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with balance transfer
GA
30309
Web
I have called in twice and am now issuing my request in writing. I had two refunds from XXXX XXXX to my XXXX XXXX credit card, account : 1. {$2600.00} ( refund check issued XX/XX/XXXX ) 2. {$3400.00} ( return posted XX/XX/XXXX ) These credits were issued on different days. On XX/XX/XXXX I called and requested a check for the {$2600.00} credit and on XXXX I called to request a check for the {$3400.00} balance. The first {$2600.00} was proceed with no issue, however, when I called on XXXX I was told that a second check could not be processed until I received and cashed the first but they would watch it and refund as soon as possible and since the first refund check was just released that would not be until the next day. As such, I called back this morning and asked for a check to be issued today. They reiterated that due to internal processing a second check could not be issued until I received and cashed the first - which is unacceptable. One refund is not contingent on the other and I am officially requesting that the remaining funds be released today, XX/XX/XXXX. I understand there is a processing period needed but this is truly unacceptable. I had them cancel the check on XXXX the check never came- so that we could do one electronic refund of the full amount. I called the week of XX/XX/XXXX to make arrangements for this. On XXXX XXXX I spoke with the representative who said my refund had processed and I should expect to see it on my account in XXXX hours. I called today on XXXX and was told that it was not an electronic transfer but rather a paper check. And again I would need to wait 7-10 business days for it to arrive in the mail. The last time I did this was XX/XX/XXXX for the first check and on XX/XX/XXXX the check was canceled with the understanding that a full refund would be processed electronically. No one can tell me when or why this happened, just that it did and I need to wait patiently. Since XX/XX/XXXX I have been trying to get back my {$6100.00}. It's XX/XX/XXXX and I still have no idea when I will actually get a refund. Please assist as I can't get a clear answer on the phone and no one is responding to my e-mail- screen shots of unanswered e-mails attached.
02/22/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
PA
19007
Web
Older American
My complaint is with PayPal Credit, which opened an account in my name, some time in the mid to late part of XX/XX/XXXX, although I had never requested an account.
I pay for purchases on XXXX by using my plain Paypal account ( which is identified by my email address ), and that Paypal account is linked directly to my XXXX credit card. I never asked for a PayPal Credit account, since my payments are made directly through my XXXX card.
When I began getting emails and statements in the mail and continuous phone calls, I spoke to a representative there ( around XX/XX/XXXX ) told him that I never opened an account at PayPal Credit - that he should send me proof that I had requested an account ; he said he would mail me this 'proof ' but it was never sent ( because such proof does not exist ). I do not have his name. I did receive an email confirmation of my request for proof, that stated " We've received the document copy request regarding your PayPal Credit account. Once our research is complete, you'll receive an email notification. '' Now I continue to get phone calls, emails, and statements in the mail, in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX showing that I owe hundreds of dollars in late fees/interest. I want these to cease. If they could show me any legitimate proof that I opened an account, I would pay.
According to the report in XXXX XXXX ( at XXXX XXXX XXXX XXXX ), with a consent decree ( see XXXX XXXX XXXX ) PayPal Credit is under orders from the U S District Court for the District of Maryland ( In re XXXX XXXX XXXX. , No. XXXX, civil action XXXX Settlement agreement ), to halt such actions ( opening false accounts ). I have heard that until the end of XX/XX/XXXX, when a customer was checking out from an XXXX purchase to make a choice of payment method, that clicking on just PayPal got CHANGED to PayPal Credit by them, which was definitely in violation of the US District Court Settlement agreement.
I have attached the " statements '' from PayPal Credit, which, to make matters worse, are in the name of my wife, XXXX XXXX ( who has not had an XXXX account for ten years! ). Nevertheless, the phone calls come to my cell phone, and emails come to my email address.
09/22/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
MD
20876
Web
My complaint is false advertisement on XXXX XXXX rewards system that needs to be investigated. I have a XXXX credit card under XXXX XXXX. The rewards points with XXXX credit account is under the management by XXXX XXXX however the Bank refuse to correct the fraud. It started off with the accumulation to XXXX ( See Attached ) which I had and XXXX sent me by email the rewards certificate {$30.00} by email Rewards certificate XXXX ( See Attached ) which I never used because the rewards dont work.
As you review XXXX XXXX points under XXXX credit card they put a minus on the XXXX points. After I seen this I sent several emails to XXXX XXXX and calling to correct this issue that I never used these points ( See emails attached ) Then as you review the XXXX credit card reward points XXXX XXXX made an adjustment of my points XXXX never gave me the full XXXX points that I never used and the purchases I brought.
On XX/XX/2018, I sent XXXX XXXX XXXX several emails that the rewards number isnt working because I cancel my order however I received an email response however no assistance except that they cut my points to XXXX ( See Attached ). However, on XX/XX/2018 after several emails attempts and phone calls to XXXX XXXX I received an email that my points are XXXX and leftover points XXXX ( See Attached ). I refuse to order anything until they repair the reward system. Even though, I made a return on XX/XX/2018 I should have XXXX - XXXX = XXXX reward points, I made a lot of purchase under XXXX ( See Attached ), XXXX XXXX credit department don't communicate well and support reward points being stolen from me. However, XXXX XXXX are refusing to correct this error, maliciously continuing to fraud the rewards system and I am requesting an investigation on these fraudulent matters. I believe they are violating the Fair Credit Billing Act, The Credit Card Accountability Responsibility and Disclosure Act and credit card fraud on rewards.
Attachments Several email communications to XXXX XXXX XXXX credit card XXXX XXXX email me points XX/XX/2018 XXXX XXXX rewards list is wrong XXXX XXXX mail rewards {$30.00} XX/XX/2018 CC : Federal Trade Commission FDIC Department of Justice Congressman
06/22/2017
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Unexpected or other fees
MN
55311
Web
At the beginning of the year, I signed up for an introductory offer with PayPal which was a 6 months of free financing. According to the offer, I would not incur any finance charges until after XX/XX/XXXX which is when the offer would end. I made some purchases and mailed in my payment on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from PayPal stating that they had not received payment so I explained to them that I had mailed the check. I called my bank, XXXX XXXX to verify if they had received the check and they had not yet received it. XXXX XXXX did ; however, offer to call PayPal on my behalf if needed to verify that the money was in my account and could be transferred immediately. I have an excellent credit score of XXXX and pay my bills on time. I then contacted PayPal and explained to them what happened ; however, they did not seem to care. I paid the entire bill in the amount of {$1900.00} over the phone with the customer service representative on XX/XX/XXXX. PayPal then informed me that they would not be able to waive the {$230.00} interest fee and that I would have to send a letter to PayPayl Correspondence Team to see if they would be willing to waive the fee. I mailed a letter to them on XX/XX/XXXX. I received an email from PayPal that my account was being reviewed and that they would get back to me. PayPay refunded my account for the late fee of {$25.00} but would not refund the interest of {$230.00}. On XX/XX/XXXX, I contacted PayPal and spoke with a Supervisor named XXXX, not sure if her name is spelled correctly ; however, the conversation was recorded so you could ask for a copy of the recording. I told XXXX what happened and asked her to waive the interest fee ; however, she said that she would not be able to do that for me. I told her if PayPal would have contacted me on the date it was due and informed me that they had not received payment, I could have taken care of it immediately. I ended up paying the interest fee today in the amount of {$230.00} so PayPal would not be able to continue to charge me interest. I am hopeful that you could look into the issue and I am requesting a refund for the interest paid in the amount of {$230.00}. Thank you.
02/04/2020
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Problem with the payoff process at the end of the loan
VA
20152
Web
Servicemember
Good afternoon, I enrolled my XXXX year old son in XXXX back in XX/XX/XXXX in XXXX, XXXX. I dis-enrolled him in XX/XX/XXXX because I did not see any results as promised and I found a teacher in his school who could provide tutoring to him after school. I signed him up for 110 sessions and we only used 31 of the sessions at the time of dis-enrollment. When you enroll in XXXX you have the option to take out a loan with Comenity-Your Tuition Solution Bank for the amount of your sessions and if you dis-enroll XXXX is supposed to notify Comenity-Your Tuition Solution in writing and I am supposed to receive back from Comenity-Your Tuition Solution the money for the unused portion of the loan. I met with XXXX on XX/XX/XXXX to dis-enroll and have been trying to get my account closed and settle with Comenity-Your Tuition Solution since that date. I have contacted XXXX numerous times and have always been told that someone would call me back or that the manager Ms. XXXX XXXX was out of the office and she would call when she returned. I am in the military and have been stationed in XXXX since XX/XX/XXXX, so I am no longer in XXXX XXXX. I did go to the office several times to speak with Ms. XXXX but she was never in the office. The amount of the loan that was taken out to over the tuition was {$5300.00} for 110 sessions. I have contacted Comenity-Your Tuition Solution and they informed me that I had to work with XXXX to get the account settled. I have attached the documents I received when I dis-enrolled, if you review the attached documents you will see that I should only have been required to pay {$2200.00} for the sessions that XXXX had completed. I do not believe that he even completed the 45 sessions that are stated on the receipt page 5 because on page 1, 2, and 7 it shows that he attended 30 classes would should have been approximately {$1400.00}. I am still receiving bills and continue to pay because I do not want this to ruin my credit. If you can please help me get this resolved I would greatly appreciate it. I am sure that other families in the XXXX area are dealing with the same problem and it is such a shame that this company is taking advantage of Soldiers.
Thank you
03/22/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
VA
23661
Web
I have been ongoing notifing XXXX XXXX XXXX since XX/XX/2017 of misconduct and mishandling of my XXXX credit card account to date. The random responses from Bank continue to be inappropriate to my clear and direct questions to date.
Since it appears no one is available with the bank to assist me with my ongoing dispute balance AND mis- handling if my account, I am requesting that XXXX XXXX XXXX : 1 send me a copy of XXXX AND BANK agreement policy and step by step procedures on handling items returned thru XXXX , when And how credits are put back to Consumer accounts and when is bank notified by XXXX if returns.
2. I am requesting that the bank send me XXXX and Banks agreement policy and step by step procedures for handling a consumer 's complaint, when consumer reports abuse and misconduct with XXXX credit card. This policy and procedures needs to include consumers timeline to report their issues when found, who works on compliants at bank and what is the wait time to hear from bank ( 30/60 days ....? ) This information will help me clearly understand the working relationship and agreements between XXXX and XXXX credit card XXXX XXXX XXXX. Hopefully this information will also give me some understanding as to where there could have been a disconnect with the charging of items and handling of my credit card, from my actual purchases through XXXX : per advertised prices of items and support services to consumers with purchases.
* Bank response back needs to clearly report what complaint department handles this type of complaint from XXXX card consumers. I am seeking to understand who has been working on my complaint to date, as I have not heard back from them directly with any type of resolution with me acct.
please send all information through the Consumer Finance website only.
***I am not getting my answers from the bank about my account and the things that's going on with it, I also have not been getting items purchased as advertised through XXXX XXXX XXXX XXXX. I am trying to resolve where the disconnect has been ongoing taking place with my XXXX credit card and advertising practices for XXXX as the two businesses partner to provide consumers with services.
12/02/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
MO
64097
Web
Servicemember
Hello - I contacted Commenity Credit about my XXXX MC card on XX/XX/2019 via email to report fraud usage on my account. On XX/XX/2019 my purse was lost and my XXXX credit card was in my wallet. All of my personal information including my driver 's license and social security card were in my wallet. My cellphone was also in my purse. I immediately reported to my other creditors that my purse was lost, but did not report to Commenity because I had not activated the XXXX card. I had only used the XXXX account one time when it was initially opened in the store. I received a response back to contact the fraud services department and i did so opening a fraud claim. While speaking with the representative, he was not really paying attention to what i was saying and later i actually received two cards in the mail because he ordered a new card twice. If you listen to the call recording you will understand what i mean. I also received two fraud affidavits in the mail. I did fill out and return the fraud affidavit to Commenity as requested. I only contacted Commenity when i did because i saw the account balance show up on my credit report and knew i had not made the purchase. Commenity sent me a generic letter and advised they had completed a review and found no evidence of fraud. I contacted them back by email on XX/XX/2019 and was told to contact the fraud department to open a claim again. When i asked for evidence of their investigation, their response was to contact the fraud department to open a claim, which i already did and they told me they found no evidence of fraud.I have now replaced my cellphone and am getting call after call after call. today i received 5 and yesterday i received 6. Last week i received a call from a local collection agency and i advised them as i have advised Commenity that the charges were made without my permission and i do not know the person who made the charges. I now have received an update on my credit bureau that the account is reporting past due and has been closed. This is negatively impacting my credit because Commenity has failed to resolve the issue. I should not have to go to so much trouble to get a creditor to do the right thing.
03/17/2017
Yes
Credit card
Unsolicited issuance of credit card
ME
04330
Web
I received an invitation to apply for the Gander Mountain Mastercard provided by Comenity bank. Upon submitting the require information I received an email stating " Congratulations!
Dear XXXX, You 're approved! Now you 're ready to enjoy all the benefits and advantages that come with your new Gander Mountain Mastercard ( R ). '' I then received the following day an email stating Welcome to Gander Mountain credit card program which is the store card without the co-branding of Mastercard and not what I was approved for. On XX/XX/XXXX after receiving the second email I called the number for the Gander Mountain Master XXXX and spoke with a representative at XXXX for XXXX minutes XXXX seconds, who spoke with his supervisor stating they would be sending the Mastercard XXXX I specifically asked if I should receive the store card that I should cut it up as the Mastercard was being issued. The representative confirmed this. On XX/XX/XXXX I called The same number as I had received the store card and was inquiring about when might receive the Mastercard. I called at XXXX and spent 99 minutes on the phone being passed around to different people and each person I stated I can email or fax you a copy of the approval email sent by your company, no one gave me any such contact information. At the 55 minute mark I was transferred to a senior account specialist whom I discuss the entirety of prior conversations and my request that they honor the Mastercard approval and send me the card I was approved for. Again it was stated I was n't approved for the Matercard and again I was not given any contact information to either fax or email my approval letter. Today I found a number for customer relation fro Comenity bank XXXX and called at XXXX for 15 minutes and was yet again told they would not provide the card I was approved for but did give me a fax number XXXX XXXX I sent a letter of explanation and desired outcome of which I will include in this complaint. My desired outcome is that Comenity Bank provides the product, specifically the Gander Mountain Mastercard, as it was communicated to me by their company in the approval email containing specific detail of credit limit and APR.
04/20/2017
Yes
Credit card
Application processing delay
PA
16353
Web
On X/XX/17 , I went to XXXX XXXX to purchase a couch. I had been planning to purchase said couch with my tax refund, but it had not yet arrived and the couch was temporarily on sale for {$100.00} less. Signs in the XXXX XXXX store were offering no interest credit for 6 months, so I applied for a XXXX XXXX store credit card while physically in the store. Store associates provided me with a laptop to complete the application online. After completing the application online, I was shown a message that I would receive notice of whether or not I was approved in the mail in 5-7 days. I was under the impression that I would be approved immediately. This not being the case, I asked the store to call the company and cancel the application as I no longer had a use for the card. ( I ended up buying the couch with my XXXX card. ) The associate was told by the company that there was nothing they could do that evening and for me to call tomorrow. I pho ned Comenity ( the company that administers their card ) t he next da y ( XXXX ), and was told they could not cancel the application, to wait until the card was issued, then call and they could reverse everything, including the hard credit inquiry. Today, XXXX , I received a letter stating that they needed more information die to the Patriot Act i n order to complete my application. After being passed from department to department, I was told that they can not cancel the application, but if I do not supply them the requested information in 14 days, the application would stop. However, whether I supply the information or not, they will still be making a hard inquiry into my credit score. I feel I was misled from the very beginning and that I should have been able to stop this process long before it reached this point. Furthermore, if they do not have all the information required by the Patriot Act in order to give consideration to my credit request, they should not be making inquiries into my credit score. XXXX XXXX is a great company and I will continue to shop there, but I have serious concerns about Comenity and the other store credit cards that I have under their administration.
02/22/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with fraud alerts or security freezes
CO
80109
Web
I had various credit cards with Comenity Bank. They sold a few of those credit card debts to other credit card companies or collection agencies. My accounts were supposed to have been accurately placed in the hardship program that was designed to help us consumers with our repayment of debt. lowering the interest and payment amount.
under the requirements all of my accounts that were originally with Comenity Bank, were supposed to have been placed in the " protective status. '' I made preset up my payment amounts and dates of payment. to ensure my responsibility of the agreement. to continue to stay elligable for this program. removing some of the ineterest. maintaining and keeping the account in good reporting standing. eliminating some of the interest and mainting the accounts open.because i want to buy my first home. my accounts were placed in the hardship program in XXXX XXXX these accounts were Zales , XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX
well, they had the misspelling of my name in a couple of the accounts zales and XXXX. They fixed the name on the XXXX and never the zales account.
the issue of them not fixing the name- caused various issues when attempting to speak to management about the account. they would also have issues bringing up the account inorder to talk to them. the failure of not filling out the form on the representatives end for the hardship program- is why the accounts were sold off to another collections agency. placing my active accounts into closed and sold to collections. damaging my credit and the repair promise of the hardship program. making the purchase of a home impossible. I have sent hand written letters to the Credit bureaus, them as creditors to the customer service department and the dispute department. I have attempted since XXXX of XXXX for these issues to be resolved. we are now in XXXX and i am still being affected by their mistakes. can someone please help me.
i found oout about the issue in XXXX of XXXX XXXX XXXX became the owner of the XXXX account/debt and i was notified then. i have even requested my account notes and they will not release them. i need to get this fixed. we are in XXXX. PLeASE!!
11/03/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
90240
Web
I tried to close my account with Comenity ( issuer of Ann Taylor store credit card ) in XXXX of 2020. I contacted their customer service line to get my balance, which I was told was {$130.00}. I paid this amount at that time, however there was some sort of lag in billing ( item delivered late, and Ann Taylor did not charge the amount until item shipped ). This resulted in a new charge to my account that I was unaware of as I thought I had paid in full in XXXX.
In XXXX, I became aware that I had been charged for the item that shipped late to my card, which was supposed to have been closed at that time. Note : Comenity still allowed the charge, and then charged interest on it on top. I was unaware of the charge or the fee as I believed the account to have been closed. When I realized they had allowed the late charge,, I again contacted their customer service line, got my " payoff '' balance, and paid that amount, unaware that Comenity had tacked on a finance and service charge totaling {$36.00} XXXX or so ).
In XXXX, I again became aware of a remaining balance ( which was only from " late '' fees and interest, which I AGAIN paid. Comenity again stated it was late, and charged an additional late fee and interest charge.
At this point, I am paying interest and late fees on nothing but interest and late fees.
This company is predatory, they have provided no services, and they refuse to waive any of the fees that they keep tacking onto my account.
I firmly believe they actively are practicing what amounts to usury - it is unethical and immoral, and they should be FINED.
The fact that Comenity Bank chooses to continuously nickel and dime me on nothing is appalling - not the amount really, as it is small - but their business practice of being incredibly difficult and unreasonable is shocking in a day when customer service should be a part of business ethics - which it clearly is not for this company. I will NEVER use any store or credit card that is issued through Comenity Bank again. EVER. And no one else should, either. I can only imagine how they are preying upon less fortunate people who can not afford their fees ; they are charging fees on fees. OUTRAGEOUS.
09/18/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MD
20876
Web
I filed a submission to FDIC - Reference Number : XXXX I called XXXX XXXX XX/XX/2018 regarding two credit card accounts I have with them XXXX and XXXX XXXX credit card accounts. The issue is the rewards program which seems fraudulent they offer and the miscalculation of my XXXX XXXX credit account and poor customer service. The account manager refuses to resolve the issue XX/XX/2018. XXXX XXXX I ordered {$220.00} ( See attached order ) worth of merchandise out of {$500.00} credit, it left me with a balance {$100.00} which is wrong, it should be {$270.00}. It seems that XXXX XXXX is trying to enrich themselves by overcharging me false purchase I never made. The XXXX XXXX customer service representative was very rude, had me on hold for a long time and bringing XXXX into our conversation. Then her supervisor name XXXX was sarcastic because she wouldnt listen about my order and she acted very rudely especially I inform her that the customer service agent was rude and nefarious. XXXX acted so rudely I requested her supervisor the Account Manager. The Account Manager agreed with XXXX, however, didnt hear the conversation. His tone was cold, and he acted unprofessionally about my credit account balance blaming it on XXXX XXXX customer service. I called XXXXXXXX XXXX customer service and they agreed how much I ordered {$220.00} and the XXXX XXXX credit department miscalculated my credit card. See the attached receipt. XXXX XXXX is trying to enrich themselves by charging me extra charges on my account which I didn't give permission nor charge but {$220.00}. XXXX credit card- XXXX XXXX I was sent an email from XXXX that I had XXXX rewards points and XXXX leftover points ( see attached email ). However, I have only XXXX reward points. Then I was sent a rewards certificate for {$30.00} and the CERTIFICATE # XXXX didnt work. When I called Customer service at XXXX XXXX the customer service acts rude and they only applied a lesser amount of points when I ordered over {$400.00} dollars worth of merchandise. The rewards program seems fraudulent to get a customer to order but they dont want to give the correct amount of rewards. The rewards program needs to be reevaluated.
02/18/2017
Yes
Credit card
Customer service / Customer relations
FL
34748
Web
On XXXX XXXX, 2017, while checking my banking activity, I noticed that there had been a double payment made to my credit card with Comenity Capital Bank for {$3000.00}. I immediately called the Banks customer service and spoke to a person named XXXX asking that the over payment be transferred back into my account. I furnished her all my routing and account information and she said that it would take 7-10 days to complete the transaction.
On XXXX XXXX, I called to check on the progress and was told by XXXX that the transfer was in process and sho0uld be in my account either that day or the next.
On XXXX XXXX, I spoke to XXXX at customer service an was told that the refund would be processed after any outstanding balance on the current months bill was subtracted but since the amount was over {$500.00} their policy was to take up to 21 days to be processed. I asked to be transferred to a Supervisor. I then spoke to XXXX XXXX Badge # XXXX XXXX, who told me that Their policy was to hold refunds over {$1000.00} for up to 21 days. She stated that the refund would be processed and a check sent after the wait period.
On XXXX XXXX, I received a letter from Comenity that I would not receive any refund since my balance on XXXX XXXX exceeded the amount of payment as of XXXX XXXX. Payment to Comenity for the initial was posted as paid on XXXX XXXX and the second over payment on XXXX XXXX, so this statement does n't make sense. Even today, I show a credit of over {$1400.00} on my account. They had already deducted the outstanding balance from the over payment, even though the bill for XXXX has just been sent out.
Not only is this policy unreasonable but I do n't see how it is legal. I was lied to multiple times by various people and still have no idea how much or when I will receive any part of my over payment. I understand that the original error was mine, but do n't feel it excuses their response or very unfair procedure for handling over payments. Since I received this card through my XXXX membership, I plan to cancel the card and revert to the membership without a credit card. These people could take a lesson from XXXX, who knows how to handle customer service.
09/05/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
TX
78006
Web
On Thursday XXXX XXXX around XXXX XXXX my husband, XXXX XXXX called the XXXX XXXX XXXX XXXX for the XXXX XXXX in XXXX XXXX. While the representative was looking at his reservation he inquired about seeing a show in XXXX. The show was not available but the representative started telling him that as a XXXX XXXX member with a certain status he could qualify for a free night at the hotel. The agent had a very heavy accent and my husband wanted to be sure he clarified what he heard so he asked the Agent several times if there were any conditions to the offer and was told no so he accepted the offer of a free night. The agent then said that she would play a recording for him to finalize the deal. When my husband listened to the recording he was told that a XXXX application was submitted on his behalf. He immediately called the number back and just happened to get the same agent. He told her to immediately retract the application and told her that what she did was deceptive and that she knew very well that he did n't consent to a credit card application. He then asked to speak to a supervisor and was put on hold. He was hung up on by the agent who 's name was XXXX. He called back and this time another agent answered the call. That agent transferred him to a Supervisor by the name of XXXX who said she would escalate the complaint and review the recording of the call. They then said that they would call my husband back within 24 hours. That never happened. He did not receive a call back at all. I want to be sure that the CFPB is aware of this company and their practices as I believe that they are using deceptive sales practices to sell credit cards. We later received notice from Comenity in the mail saying " Thank you for your recent response to the Pre-approved credit card offer but he was declined! '' He did n't even apply for the card in the first place. I know that this is considered a XXXX issue and would like to have this investigated. This reminds me of what XXXX XXXX has done! Please investigate this company before they manipulate someone with less knowledge of getting a credit card.
Thank you in advance, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
07/31/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
AZ
85730
Web
In 2018, I had received an 6 months interest free loan from Comenity Capital Bank for {$740.00}, which has been paid in full. Comenity assessed late fees on the account ( and compounding interest upon those ) and the cause of late payment was multiple rejected payments from their financial services department due to an unaccepted payment type.
I made a {$240.00} payment on XX/XX/XXXX and a second payment of {$500.00} on XXXX. The second payment was rejected by Comenity Capital Bank due to a payment type of 'virtual card mailed ' not being an accepted form of payment. I had issued the payment first payment from my XXXX and the second from my FSA. At the time, I didn't know that the payment had been rejected, I just saw that the payment had been issued from my XXXX/FSA and Comenity 's customer service department had called me to tell me they hadn't received payment. So I coordinated with my XXXX distributor and issued payment again on XXXX, which was again rejected. After multiple phone calls between both the XXXX company and Comenity, I was able to get a number to Comenity 's financial services department and finally to understand that the payment type was the problem ( during all of the calls I placed to or received from Comenity never told me that this was the problem until I was able to speak with their financial services department ). I coordinated with the XXXX distributor and issued the payment again on XXXX. This time it was accepted.
I continued to receive phone calls and had multiple discussions with collections at Comenity and explained the situation, but they refused to dismiss the late fees and associated compounding interest. On top of that, I've received thousands of dollars of loans from Comenity in the past and had paid each one on time, until this situation.
Over a year later, I am now receiving calls and mail from a second debt collector, after having provided written dispute to the first debt collector that included payment dates, payment reference numbers, and the contact information to my XXXX company. Not only has my credit been affected but my family members have received collections calls and been harassed for over a year.
05/02/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
IL
60653
Web
Servicemember
This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.
I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.
I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state?
5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?
6. Please provide a complete account history, including any charges added to this collection agency or any account?
7. List of all names and contact information of all employees that was spoke to regarding this account or collection?
You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.
For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX
09/11/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
NY
11421
Web
I had XXXX 's membership card for one year. At the time, I joined XXXX 's memebership I was told to open a XXXX 's XXXX. I never used the XXXX 's XXXX to purchase anything. After one year of membership, I choose not to renew my XXXX 's membership. But the membership fee was charged to the XXXX 's XXXX automatically without my permission in the XXXX XXXX statement. So I called customer service number printed on the back of the credit card statement which is XXXX.My XXXX 's XXXX number is XXXX XXXX XXXX XXXX and the credit card is run by XXXX XXXX. I was told by customer service not to worry about the fee and the fee will be credited back to my account. After one month, I received another statement asking me to pay not only the original membership fee but also late fee and interests on top of it. So I called Customer Service number again. This time I was told to contact XXXX 's store directly to request a refund of my membership. So I called XXXX 's store to request the refund. XXXX 's XXXX agreed to refund membership and told me to wait. One month later, I got a third statement with more late fees, and interests. So I called XXXX 's XXXX again, I was told they will issue a provisional credit. Next month, a provisonal credit of {$72.00} provisional credit was issued and I thought the issue was resolved.
However, to my surprise, one month later I received a statement from XXXX XXXXk rerversing the provisional credit and charging me again the {$72.00} balance. So I called XXXX XXXX again requesting that the {$72.00} be reversed and my credit card account closed. The customer service said they will take care of it. But one month later, I still get the bill for the balance of {$72.00}. In short, XXXX XXXX is engaging in unfair and deceptive act and pratices to default consumers. I 'm sure I 'm not the only one. There must be many others. Please help me to get the charges reversed and my account closed. My cell number is XXXX and can be reached anytime. By the way, I never used the XXXX 's membership after my membership expired and I called XXXX XXXX more than 10 times. I was always told I can dispute the charges even thought there is nothing to dispute.
05/15/2017
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
AR
72034
Web
Servicemember
In XXXX XXXX I opened a credit account with XXXX XXXX XXXX for the purchase of my wedding dress. The credit card came with a 0 % interest for six months offer. Due to an error in entering my address correctly, I did not receive my credit card or first physical bill until late XXXX early XXXX . The interest is set to begin effective XXXX XXXX at a rate of 22 %. I contacted the company today to request a three month extension on the interest. The person to whom I spoke told me to contact the store. I called the store and spoke with the manager XXXX who stated that she did n't have anything to do with the interest. I kept XXXX on the line and called the credit card company ( Comenity Bank ; XXXX XXXX ) using a conference call. I spoke with XXXX and she stated that it was not possible for them to extend the interest. I told her anything is possible and I asked to speak to her manager. XXXX came on the line and stated that she could hold off on interest for one month. She also submitted my information because I am still requesting three months to their internal disputes department. It is not my fault that I did not receive an actual bill until late XXXX early XXXX without an actual bill. My driver 's license does bear my correct and current address. They neglected to include my apartment number in entering my address which is why I did not receive my bill. My first payment was made by phone in XXXX with a collections agent due to the fact that I did not have a physical bill he dropped late fees. I totally expected to receive a bill and a card after that. I ended up having to attach a handwritten note to the bill because I could not make automated payments. ( Which oddly enough they only offer in a very limited form ; each month a card holder has to go in and schedule a payment. This increases the likelihood of missed payments and seems predatory in nature to me ) I did not have the opportunity to divide payments in a manner that would allow me to pay the entire balance within the six month offer period. Will you please assist me in obtaining a three month extension on on the introductory offer?
03/10/2017
Yes
Credit card
Payoff process
NJ
08062
Web
My wife XXXX purchased something on her XXXX credit card toward the end of last year. We received the invoice. We made prompt payment but unfortunately we had an old XXXX account number on our Bill Pay. We requested a dispute process. Dispute forms were sent. We then went to gather the details from the bank and realized the error. The money that was sent to that wrong account number had actually been refunded shortly after payment. We called the credit card company back and explained what had happened over the phone. We agreed with the representative that we would pay the original amount and be done and we did that right on the phone and that we expected was the end of it.
We have since received multiple bills from the company assessing new late fees and interest charges. We called to inquire and were told that we did n't return the complaint forms and they did not have record of that conversation with their operator. Therefore we would continue to accrue late payments and interest fees They confirmed they had received the payment though. When we asked them to check the records of the conversation assoicated with payment they refused.
This situation is completely ridiculous. these are very small amounts of money and it is clear this is standard operating procedure for these guys. Any reasonable / reputable company what have consdiered this payment in full as was agreed on the phone.
I have attached the following : ( 1 ) Bank statement showing good faith attempts to pay XXXX on XX/XX/2016. this included two payments attempts. One for the original balance in the amount of {$59.00} and another in the amount of XXXX which I believe was the balance with fees ( 2 ) the latest XXXX card statement showing fees added since we had agreed verbally to clear this issue by paying the original {$59.00} ( 3 ) the message I received from XXXX when inquiring what happened with the payments. I was trying to find out details of where the payments had gone and why XXXX had not received them. this is the point where we realized the mistake, called the XXXX card people back and THOUGHT we had taken care of it the way two rational adults would, but apparently not.
03/22/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
WV
26201
Web
Older American, Servicemember
We made a purchase of {$11000.00} as part of a credit card promotion : Pay no interest if paid in full within 6 or 12 months. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the 6 or 12 months or if you make a late payment. **No Interest if paid in full within 6 or 12 months. Interest will be charged to your account ( at the standard, variable APR of 29.49 % based on the Prime Rate ) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Required minimum purchase of {$500.00} for the 6 month plan or {$1500.00} for the 12 month plan. XXXX XXXX Credit Card Accounts are offered by Comenity Capital Bank, which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than {$27.00}. Minimum Interest Charge is {$2.00}. Standard variable APR of 29.49 % based on the Prime Rate.
Payments of {$650.00} were made by automated payment setup through our bank on or around the XXXX of every month to waive interest costs if paid in full by the term 's due date. Monthly due dates were on the XXXX of each month. However, the last month 's payment date was on the XXXX of XX/XX/2019. The payment was made in that month on the usual date of the XXXX, which was still only six days late. We realized our mistake after thinking everything would be automatically taken care of and called the XXXX XXXX credit card customer service which is Comenity Bank. We were passed around from person to person while they claimed that our issue was being escalated. Every response was the same and no negotiation took place at all. We feel that the early due date on the last month is to intentionally trap people who use automated bill payments or those who budget bill payments at the end of the month. We think that due to the fact no one would try and negotiate with us, and being so obtuse, when all our payments were made in good faith, indicates they intentionally try to trick people into paying the 29.49 % interest.
01/08/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
PA
18951
Web
Servicemember
Please keep compliant ( Ref : CFPB COMPLAINT ID XXXX ) open and request that Comenity Capital Bank to stop reporting me delinquent until this issue is resolve. I will write another response to Comenity Capital Bank and CFPB and mail it out on Monday XXXX XX/XX/XXXX.
See message below : Sincerely, XXXX XXXX From : XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, PA XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Disagree with Comenity Capital Bank response to this dispute dated XXXX XX/XX/XXXX. See attachment. ( Ref : CFPB COMPLAINT ID XXXX ) I disagree with the Comenity Capital Bank finding of no basis to support fraud claim. A letter was sent to Comenity Capital Bank requesting not to report me delinquent and suspend interest and late fees on this account until this issue is resolved. However, Comenity Capital Bank continues to report me has delinquent and accumulates late fees and interest every month on my XXXX XXXX XXXX XXXX Credit Card ( Account ending in XXXX ). Please keep this case open until the issue is resolved.
Rationale : This return payment was a criminal act by a perpetrator who deposited {$5300.00} into my account to make purchase for computer products. After the computer products were purchase on XX/XX/XXXX for {$5000.00}, the funds were removed from the credit card account ending in # XXXX. Reference Pennsylvania State police report ( # XXXX ). I never authorized payment from credit card account ending in # XXXX into the perpetrators account. That authorization to put money into the perpetrators account was authorized by Community Capital Bank. The money deposited ( {$5300.00} ) into the credit card account ending in # XXXX from the perpetrators account should have remained in the account ending in # XXXX. I file a police report with the Pennsylvania State Police. Police report filed under XXXX XXXX. XXXX. Please remove the {$5400.00} and {$5000.00} obligations from my credit card with Community Capital Bank because these charges are a result of criminal act of fraud.
Sincerely, XXXX XXXX XXXX
12/05/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
UT
84010
Web
I applied for a new Visa Card From Comenity Capital Bank after going through the application process and all the security verification that i had to do since i have a fraud alert on my credit file the account was opened i was approved for a {$1000.00} dollar credit limit.
I have multiple store credit cards with this card company insitution comenity capital bank never once have i ever been late not once has a payment ever been returned no once have i even ever tried to go over my credit limit never any issues in 2-3 years with this company they pulled my credit in XX/XX/2019 for the caesars rewards visa card and then aproved me after varification process i got the card activated it online set up payment accounts used the card to pay my auto insruance and a few other things then i made a payment as soon as those charges posted and then i was trying to use it at dinner the other evening and it was Closed i called in to find out why it was closed and they said because of information the credit beurue supplied them with they used an excuse like 5 times saying the credit beurie told them to and thats not possible because those beurues dont tell a bank hwat they cant and cant do then they explained it was info that came in the credit report and kept syaing I need to contact credit beure for this info. they would not tell me why they opened the account and then closed in just a few days after reopening it.
I feel they in bad faith and bad business opened an account then closed it which now means I have more than just a 2 year inquiry on my credit file it means that they reported an opened account then they reported it closed so now its on my credit file for like 10 years i think because its a closed account they refuse to remove it or do anything to fix their bad faith bad business mistake.
and all i want them to do is have the account removed from my credit file all together cause this is fraud i belive they fraudulently opened my account knowing they would close it to just play games and make it look good for them to have had a new customer but then not i don't know for sure but i do know that this was there mistake and i should not suffer for it
03/10/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TX
78628
Web
In XXXX, XXXX I returned clothes to XXXX that I had charged to my XXXX comenity card. On XX/XX/XXXX I received an email from XXXX confirming the return but it only acknowledged half of the items Id returned. The credit was supposed to appear on my statement in 14 days. I never received that credit. I continued to get statements with no credits for my return. I spoke with XXXX and comenity many times on the phone, wasting hours and hours of my life. Also hours wasted messaging them through their message portal. I emailed XXXX and Comenity XX/XX/XXXX disputing my entire balance and attached all documentation. They never investigated a thing.
Attached is their return confirmation email, which was insufficient and never credited. Attached is also all other documentation supporting my return of items that appeared on two packing slips, of which XXXX had previously only acknowledged receiving the items listed on 1 of the 2 packing slips. Comenity is continuing to report my account as delinquent to the credit bureaus, ruining my credit and my good name. Collections is still calling and harassing me daily. I do not answer their calls. I reported all of this to the XXXX also, to which Comenity responded that they would research it in the next 30 days. Comenity never even bothered to research the documentation THEY sent ME, which is on my account in THEIR system, and theyve had since XXXX to do that. It was XX/XX/XXXX that I first complained about never getting credit for my return and that the return they acknowledged was only for half of what Id returned in XXXX.
Comenity has no remorse for abusing and harassing me for monies I do not owe, nor for ruining my credit. Comenity is apparently stalling resolving this issue and restoring my good credit. It appears to me that they intend to never investigate and to never correct their egregious errors! They have no empathy for the damage they are causing to my good credit nor the mental anguish this is causing me. They continue to ask for MORE TIME to investigate! I find this infuriatingly unreasonable.
I believe Comenity should, in addition to marking the fake debt paid in full and on time, pay me
08/21/2017
Yes
Debt collection
Other debt
Written notification about debt
Didn't receive notice of right to dispute
NC
28348
Web
this is in reference to paypal.a backhoe was for sale on XXXX, talk to the owner.said he do n't take credit cards.seller said he would send a invoice to my email.i told seller had only XXXX credit at paypal.seller said XXXX takes credit cards, next thing the invoice was sent I said ok and made a call back to seller.i said what is next. the seller said you are all set you are paid in full. I said how I only had XXXX and I just had received a XXXX -- raise but never XXXX.i just could not under stand how made a call got the run around. next thing I did was try to make as much payments I could. found out that I had 6months free interest. did not know what they were even talking about next thing some time at the end of XX/XX/XXXX, my statement came to my wanted post office mail paypal said they always sent mail. but they never did. only email.so in XX/XX/XXXX the statement said I need to pay only the min payment of XXXX never sent me a pay off balance. of what the balance was before they were going to hit me with interest.so I look at what the balance was and the balance was more than the last time I took a look XXXX now was XXXX some change. got a real hard time made a lot of calls. one call the paypal service name was XXXX, real wise guy. sent me an email. said that I will see some changes soon. on my account. next thing when I took a look. the interest was in the statement. but it was in a place you had to look for. XXXX. took the rest of my credit way. XXXX did in fact temper with my credit statement. XXXX never told me what he did but I could see clear threw. I made a lot of calls to pay the balance. with out the interest. which was around XXXXeach time I was told no no no they never sent me a pay off. they never told why they had to be the only ones. they made a jump from XXXX to XXXXjump to XXXX with out the facts of agreement. to me this is as bad as it gets.ps why is it that if you want to buy from XXXX. you have to go threw paypal. why is it when you press the button to buy and made a mistake. the item is paid for and you have to go threw XXXX to get you cash back. you have to call XXXX, then paypal, and some times the seller. please help
04/17/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
RI
02840
Web
XXXX XXXX sent me a letter ( see attached ) claiming that they received a report from XXXX saying I had a bankruptcy on my credit report. That was false and defamatory. XXXX verified that the information was not present on my report. Yet, the enclosed letter from XXXX clearly states that false information and presents it as fact. In fact, it appears that XXXX tried to force that false information onto my credit report from what I have learned in an attempt to defame me because of ongoing complaints with them and my request for a payment from the Civil Penalties Fund.
This is extremely alarming and this letter ( see attached ) comes from XXXX and directs me to their Bankruptcy department. This is what XXXX had to say on the record : Company 's Response Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicated that XXXX inaccurately listed a bankruptcy on your credit report. You would like the bankruptcy removed from your credit report. According to our records, the disputed information does not appear on your current XXXX credit report. We are in the process of forwarding you a copy of your credit report for review. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXXXXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX.
DESCRIPTION OF NON-MONETARY RELIEF According to our records, the disputed information does not appear on your current XXXX credit report. We are in the process of forwarding you a copy of your credit report for review.
09/15/2017
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NY
10027
Web
For 11 months now, I have been trying to get Comenity Bank to remove a payment block on my bank account so that I can make online payments for three of my Comenity credit cards ( XXXX XXXX, XXXX XXXX and XXXX ). On XXXX XXXX, 2016, my online payment for my XXXX XXXX credit card was returned because of a state tax lien. It was listed as a No Fault returned payment and no fee was charged. The tax lien was resolved, and my bank account was quickly restored and is in good standing. However, Comenity Bank continues to have a block on my bank account, so that I am unable to make payments online for my XXXX XXXX, XXXX XXXX and my XXXX credit cards with Comenity, even though online payments were not returned for the XXXX XXXX or the XXXX account. I have tried to resolve the problem with Comenity for almost a year now, and have followed their customer service reps and supervisors ' advice to pay by check from the same bank account ( which was supposed to resolve the problem once their system cleared the check from the bank account ), to removing my online profile and re-entering it, to calling the Federal Reserve ( the most idiotic suggestion yet, but I did it ). It would n't be such a problem if it were n't for the fact that paying by check makes it difficult to gauge the timing of when the payment will hit my bank account, and Comenity charges a {$9.00} fee to pay by phone. For the past several months, I have been able to get the {$9.00} fee waived in making payments. However, I have had some late payment fees that I would not have incurred had I been able to pay using my bank account online. Moreover, Comenity has accepted my monthly payments by phone, using the debit card associated with the same bank account that is blocked online. There should not be a block on a valid bank account that Comenity continues to accept payments from by check and by debit card. The block on my bank account is punitive ( I have n't had this problem with other creditors that were affected by the tax lien ) ; I also believe it is an attempt by the credit card company to exact extra fees and a failure on their part to address flaws in their credit card payment system.
07/14/2021
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
GA
30342
Web
I am a consumer and on XX/XX/2021 I sent Victoria Secret Consumer Relations Dept a letter pursuant to 15 U.S.C 1692g asking them to send validation of alleged debts, they have been reporting, falsely & inaccurately ; but they have yet to respond. They have been violating my rights as a consumer causing damages to my credit, reputation and mental capacity by communicating inaccurate, false, and misleading information about me.
Under Penalty of Perjury, Victoria Secret is in Violation of the following : Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1692g - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not.
Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1692e ( 8 ) - False or Misleading Representation. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 168
1a ( 4 ) - Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1681a ( 2 ) - ( 2 ) Exclusions. the term consumer report does not include ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1681b ( 2 ) - Permissible purposes ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
03/18/2017
Yes
Credit card
APR or interest rate
OH
44256
Web
I ordered an item from XXXX that was never delivered. I lodged a complaint with the website, and then followed the entire dispute process in order to have it corrected. I signed an affidavit from XXXX acknowledging that I never received the item, and followed up with the company multiple times, until the process was complete. In the meantime, XXXX advised me not to pay on the account, and that it would be frozen for the length of the investigation. My account fell past due, and racked up late fees and finance charges. After the investigation was complete, I was told by both XXXX and Comenity Bank ( lender ) that all charges would be removed, and the reporting would be corrected with the credit bureau. The charges were removed including all late and finance charges, and I thought the situation had been resolved. My wife and I are in the process of buying a home, and I have just recently found out that there is significant delinquency reported on my credit report. I have a perfect report, with the exception of " serious delinquency '' as a result of my account with Comenity Bank. My loan officer advised me that she needs a letter from Comenity in order to escalate and re-score my credit through the respective credit bureaus, however each of my attempts to contact Comenity have resulted in them directing me to the credit bureau dispute process. My wife and I have sold our home, and need to close on the one that we are under contract with - I explained this to Comenity, and that I do not have time to follow the lengthy dispute process. In addition, this is not my problem to solve - it was supposed to have been corrected back in XX/XX/2015. Further, an open credit bureau dispute could potentially cause our loan to not be underwritten. We can get a loan with my current score, but the interest rate is reflective of my inaccurate report, and significantly higher than it should be. We are out of options, and so I am asking for help from the CFPB. All I need from Comenity is written acknowledgement that my account was never past due - that any delinquency was as a result of the investigation into the item that was never delivered to my residence.
09/18/2019
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
FL
33076
Web
Servicemember
I have multiple credit card accounts with Community Bank ( Two XXXX XXXX accounts, XXXX XXXX and XXXX ). I have been " locked out '' of my XXXX XXXX and XXXX XXXX accounts for the past almost 3 years. I would call XXXX XXXX customer service because I could not log in and they would " unlock '' my account and when I logged out after making a payment I was unable to login again without contacting Commenity Bank again to " unlock '' my account. I have spoken with a representative and manager every month for the past 3 years in order to make a payment on my account and expressed these concerns as well with no recourse. Today, Wednesday, XX/XX/2019, a collections representative contacted me and called me by my first name, then proceeded to divulge my personal balance and information regarding my account. She then threatened to pursue further options in a threatening tone if I did not pay my bill today ( which is 2 days late ). This is a direct violation of privacy laws and collection practices laws. I spoke with a manager named XXXX XXXX who confirmed on a recorded line that the representative violated collection laws and removed one late fee of {$35.00}. I have been charged a late fee every month for the past 3 years, which they refuse to remove. I have also requested XXXX XXXX to confirm the purchase I made on the account as well as a credit and they refused to do that as well. I was informed by a customer service manager named XXXX that I need to submit that request through my online profile, which I was able to login again because I was on the phone with a representative. Commenity Bank also did this with two XXXX XXXX accounts by locking me out of my online profile. A Commenity Bank customer service manager also did not process proper credits issued on a recorded line from a customer service manager at XXXX XXXX. Then Commenity Bank charged off both accounts without my knowledge or notification and ruining mine and my husband 's credit for no reason and as a retaliation tactic for complaining about damaged furniture. Not to mention, all furniture purchased on the XXXX XXXX accounts were delivered damaged with 8 or more deliveries.
08/25/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CT
06320
Web
An item arrived late and damaged, purchased from XXXX XXXX, card issued by Comenity Bank, complaints filed directly against the merchant in regard to late arrival and damage, remains unresolved. I have copied below the complaint filed against XXXX XXXX XXXXor Comenity Bank reference. Images of damage were attached via secure message through XXXX XXXX website, their rep requested more photos which I do not have. I would like to dispute the purchase due to late arrival and damage, if possible.. The purchase was made on XX/XX/XXXX in the amount of {$850.00}, a XXXXXXXX XXXX XXXX. The damages include scratches and while they are cosmetic in nature, may lead to the unit later cracking and loss of use. I informed their rep of late arrival, did not seem to care my time was wasted when I was not moved into the address at the time, did not care to address it ... Complaint is copied below..
Order XXXX showed scheduled to arrive between XXXX and XXXX XXXX on XX/XX/XXXX I believe, do not have tacking number or information available to me at this time. As I explained to several reps on XX/XX/XXXX as well as on XX/XX/XXXX, XX/XX/XXXX, I was in the process of moving to my address currently, not fully living there. Needless to say, I had to make a trip back to the address on XX/XX/XXXX at XXXX, waited until XXXX and no one showed up or called me.. I called the following day, on XX/XX/XXXX, was given the number to the driver whom I had trouble reaching, had to call several times and sent several texts before reaching him, only to be told delivery would be later between XXXX and XXXX XXXX ... Needless to say, I had to make another trip to address for delivery around XXXX at night.. After moving in on XX/XX/XXXX, I discovered the glass burner has several scratches on it, I called in same day and rep would not address late delivery/poor service issue ... She supposedly opened a claim for damage and emailed me claim number to upload pictures of damage, no email received as of yet ... As you can see, the service with this company is very poor to say the least and their XXXX score of 3.8 shows it, they seem to have a decent number of negative reviews.
11/08/2019
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
CA
92660
Web
In XX/XX/XXXX, I applied for and obtained a credit card for XXXX XXXX through Comenity Bank with an initial credit line of {$4000.00} bearing a regular purchase interest rate of 24.99 % and promotional purchase rates from 0.00 % - 2.99 % dependent upon the repayment period, from 12 months - 36 months. The account was maintained in good standing and paid according to terms and as a result in XX/XX/XXXX the account 's credit line/limit was increased to {$5200.00}. Further, the account was maintained in good standing through XX/XX/XXXX. In XX/XX/XXXX, I inadvertently missed a payment on the account and was immediately subjected to credit review and a reduced credit line at {$4600.00} imposed. Thereafter, although the account was brought current by XX/XX/XXXX ; Comenity Bank engaged in balance chasing and systematically lowered the account 's credit limit as follows : XX/XX/XXXX - {$3800.00} ; XX/XX/XXXX - {$3600.00} ; XX/XX/XXXX - {$3400.00} ; XX/XX/XXXX - {$3200.00} ; XX/XX/XXXX - {$3100.00} ; XX/XX/XXXX - {$2900.00} ; XX/XX/XXXX - {$2900.00} ; XX/XX/XXXX - {$2900.00} ; and XX/XX/XXXX - {$2700.00}. But, on or about XX/XX/XXXX, I telephoned the ComenityXXXX XXXX representatives, expressed my objections to the practice of balance chasing and requested my account be closed. Notwithstanding, although the account was closed, bank management or its approved systematic programs reopened the account to lower the credit line from the XX/XX/XXXX credit line of {$2900.00} to the XX/XX/XXXX of {$2700.00}. I recently telephoned the Comenity-XXXX XXXX representatives and inquired upon whose authority did the last change of the credit line/limit of the account closed XX/XX/XXXX occur? The supervisory response was because the account experienced a returned item it was allowable or warranted. The account as of this writing is current with a balance of {$2300.00} comprised of promotional purchases with interest rates of 0.00 % - 2.99 % with extended payment terms. I do not believe management 's most recent action of lowering the credit line after the account closure is warranted nor allowable within current consumer credit rules, regulations or law.
07/06/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
GA
30253
Web
XXXX XXXX XXXX XXXX Comenity Bank XXXX charges excessive fees on customers accounts. I feel as if they are predatory lenders with high interest rates and excessive fees and they should be investigate promptly. I recently opened an XXXX account and I limit my use on this account. I only charge under 100 dollars. I had balance of XXXX for my XXXX bill. I made a payment of XXXX leaving a balance at XXXX. This is where the issue began. I made a payment of XXXX on XXXX/XXXX/XXXX leaving a balance of XXXX cents. XXXX/Commenity Bank charged me a fee of XXXX for XXXX cents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX there was an additional payment made for XXXX before the bill was due. I did not look at my bill at the time but the XXXX payment should have left a balance in my favor of XXXX but I was still charged fees on the account. The excessive fees based on their new addendums added to almost every statement and their predatory interest rates this company should be investigated. The last credit score I pulled was at a XXXX. A XXXX is considered good credit, but comenity bankXXXX interest rate is at 25.47 percent. That is predatory lending no matter if a person accepts it or not. A bank who targets teens should not be allowed to legally give children an interest rate over 25 percent. I will be closing my account as I only opened it in XXXX of this year for a promotional discount they were running but imagine all of the people they are doing this too on a daily basis. I have done business with them in the past and it is the same trickery in their billing. If you owe XXXX cents after paying XXXX why are they allowed to charge you 93 % FEE on your account for XXXX cents. It does not matter the timing or the rules for not paying the full balance. Even the minimum balance due is always a percentage of the total amount not the total amount due. They charge excessive fees, excessive interest rates and are predatory lenders. They are scammers and someone should investigate them. I will no longer do business with XXXX. No one should do business with this company at all. Any credit cards associated with Comenity Bank should be avoided.
09/09/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
OH
44134
Web
The first credit card was opened for XXXX XXXX XXXX XXXX which was opened on XX/XX/XXXX. They are only reporting some of the payments I made on the account. When my account got closed ... they reported I made NO payments which is inaccurate. I then settled the debt of {$200.00} directly to the creditor on XX/XX/XXXX. BEFORE I paid or settled the debt I asked for a letter in writing to delete the account. The representative whom name is XXXX extension XXXX stated to call back in 7 days for the letter of deletion to be sent out and for the credit bureaus to be updated. I never received that letter being over a YEAR later. The account is marked off as legally paid in full for less than the full balance. I reached out to the company XX/XX/XXXX to ask about the deletion letter since Ive reviewed my reports and it is hurting me financially and emotionally they stated they do not do pay to delete letters so now I feel I was lied too to just pay my debt and I am left with a negative remark on my credit. I disputed the charges via by mail, email, phone call... I am getting no resolution.
The second credit card was by XXXX Comenity Bank which was opened on XX/XX/XXXX. I have sent in multiple disputes as well for this account via mail, email and by phone. They reported my account closed TWICE... .I have been trying to understand how a company can charge you twice for the same credit card? I repeatedly sent letters out JUST to get the XXXX inaccurate charge off. I hired a credit repair company out of desperate needs to improve my credit report. They did not do much justice for my situation. I then was back at square 1 figuring out what to do. I called XXXX personally to get these inaccurate charges off. I settled my debt on XX/XX/XXXX for the amount of {$170.00}. I pleaded to them my responsibility of debt since I have been a member of them by having perfect payment history and I have 3 lines of credit open that are in perfect status.
All I have received by the companies via mail is letters stating what I owe ... which is a balance of {$0.00} for the company. No information further of them deleting the account or any investigation.
09/19/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
MD
20876
Web
I will apply my legal options to sue XXXX XXXX for false advertisement and taking advantage as I am a XXXX woman and discrimination due to my race as XXXX XXXX.
XXXX XXXX advertise Earn Rewards* Every Time You Shop. You will get {$10.00} Rewards* for every 400 points earned at all XXXX XXXX. {$1.00} spent = 2 points earned.
I spent {$270.00} out of {$500.00} which XXXX miscalculated I have {$100.00} left. I used my XXXX XXXX card one time for purchase {$220.00} however when I called them the account manager was so rude malicious and discourteous, that he refused to investigate the issue.
The receipt I am providing, attached will demonstrate that the shipment was spilt up the points I earned and the amount calculated with shipping cost {$15.00} : {$84.00} which I earned XXXX points {$82.00} which I earned XXXX points {$59.00} which I earned no points As you review the transactions of the order receipt ( See Attached ) : Order Number : XXXX its a breakdown of the products I purchased by XXXX XXXX customer service which demonstrates that I purchased : {$82.00} I ordered boots {$82.00} I ordered Fragrance and Perfume {$59.00} I ordered a reef for my door and black leggings The shipping cost for all these products purchased was {$15.00} which gives a grand total the purchases I ordered {$220.00} However, when you review the credit card account activity that XXXX XXXX break down of what I purchased. XXXX XXXX input as the transactions Bath products which I never ordered any bath products at all. Someone at XXXX XXXX credit department input the activity with the wrong transactions and falsified what I purchased, I never ordered any bath products.
Please review attached ( See Attached ) XXXX XXXX input false transactions on what I purchased on my XXXX XXXX credit card activity I & II XXXX XXXX must have competent employees to input the correct transactions I purchased which I never purchased any bath products and correct the rewards program.
The rewards program XXXX XXXX states that I earned XXXX points ( see Attached ). Then as I look further in the website XXXX XXXX states that I earned XXXX points, this is unacceptable.
05/19/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
VA
23503
Web
Servicemember
I applied for the XXXX XXXX XXXX card after receiving an pop up saying I was approved for the XXXX XXXX XXXX card on XX/XX/XXXX the day after my birthday. received visa card a week later. I went to use the card shortly there after only to be told by Cashier that my card was declined. The cashier ran my card three times. Also around that time I also received preapprovals for XXXX XXXX and XXXX XXXX card only to find out later that the bank closed my accounts. In addition, I asked for credit limit increase on a few existing credit cards such as XXXX, XXXX XXXX 's and XXXX credit cards which are normally soft pull on my credit reports but were hard pull. I called the bank and explained that I could n't use my card only to be told that bank closed my account and that I would receive an letter!. They did allow me to keep the XXXX XXXX card that I applied for later. I feel they should of declined this application as well if they are saying I have too many inquiries. Over half of inquiries especially on my XXXX are hard pulls from Comenity Capital. They are pulling hard pulls on my report for what should of been soft pulls! I received letters stating that I had too many recent inquiries. Most of my inquiries are through Comenity Capital Bank is whats very odd and why I am complainting and very angry! I have held cards with this bank since XX/XX/XXXX. I feel they should close all of my accounts if they are going to be this nasty about closing accounts that they approved and issued the credit cards for. Why go through all this trouble and then deceive me and close my accounts. It was very embarrassing to be in grocery store using your credit card to be told it was declined. There was no reason for this! The bank should of just declined the application in the beginning! I am going to be filing other complaints and seeking an attorney over this! I also feel they need to remove all the inquiries they placed on my XXXX and XXXX credit reports as well. Most of the inquiries should of been soft pulls not hard pulls especially on my XXXX credit report file. I am hoping the FDIC and my Attorney General gets involved in this matter as well!
07/20/2020
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
NY
14216
Web
Older American
I HAVE SETTLED AN ACCOUNT WITH COMENITY BANK AND THIS WILL BE THE SECOND COMPLAINT AGAINT IN 3 MONTHS FOR NOT REPORTING MY CORRERCT PAYMENT AT THEIR LOCATION AND GIVING FALSE INFORMATION AS WELL. I HAVE PAID MT ACCOUNT IN FULL ON XX/XX/XXXX AND I RECEIVED A SETTLEMENT PAID LETTER ON XX/XX/XXXX. I ADVISE THE TO CONTACT THE REPORTING AGENCIES TO UPDATE MY FILE. I THGEN CONTACTED THE BANK AND SPOKE TO XXXX XXXX AT XXXX AT EXT XXXX ABOUT THIS MATTER AND AGAIN I WAS GIVEN FALSE AND INCORRECT INFORMATION.HE STATED HE WOULD SPEAK TO A MANAGER TO CORRECT THE PROBLEM BECAUSE THEY NEVER UPDATED MY ACCOUNT AND THEY STATED I STILL OWED XXXX WICH I DID NOT BECAUSE I RECEIVED VIA EMAIL THAT MY ACCONT WAS SATISFIED. HE STATED THAT THEY NEVER UPDATED MY ACCOUNT AND SAID IT WOULD TAKE ANOTHER 45 DAYS TO DO SO WHICH BOGUS KNOWING THAT I PAID MY ACCOUNT THEN CALLED BACK AGAIN TODAY AND AGAIN THEY REFUSE TO UPDATE MY ACCOUNT AND THEY TRIED TO STATED I STILL OWED XXXX. AS I STATED EARLIER THIS I THE SECOND COMPALINT AGAINST THE SAME BANK AND THE SAME PERSON THAT REFUSE TO UPDAT MY INFORMATION I THEN CALLED BACK TODAY XX/XX/XXXX AND CALLED COMENENT BANK AGAIN BECAUSE THEY STILL REFUSE TO CONTACT THE REPORTING AGENCIES THAT MY ACCOUNT WAS SETTLEDIN FULL/ 1ST PERSON SPOKE TO XXXX XXXX STATED THAT MY ACCOUNT WAS PAST DUE FOR THE AMOUNT OF XXXX. ADVISE WAS INCORRECT.. TRANSFERED ME TO ANOTHER PERSON XXXX REFUSE TO GIVE LAST NAME ID # XXXX. GAVE THE SAME INFORMATION.. STATED ACCOUNT WAS NEVER UPDATED BACK FROM XX/XX/XXXX AND ADVISED HER I RECIEVED A SETTED IN FULL LETTER. STATED WOULD UPDST FILE AND ADVISED HER THT THIS WAS STAED NUMEROUS TIMES BEFORE. I ALSO STATED WHY WASN, T THIS DONE ON XX/XX/XXXX SO WHEN THE REPORTING AGENCIES WOULD GET THE CORRECT INFORMATION TO UPDATE MY ACCOUNT AS PER THE LETTERS I RECEVED THAT WOULD BUT NOW YOY STATE AGAIN TO UPDATE ANS SHE NEVER STAED SHE WOULD CONTACT THE REPORTING AGENCIES REGARDING THE FALSE IN FORMATION AGAIN GIVEN BY THIS COMPANY.
THIS IS THE SECOND TIME THEY HAVE DONE THIS TO REPRT FALSE INFORMATIOM XXXX XXXX XXXX Credit reporting Incorrect information on your report COMENTITYCAPITAL BANK XX/XX/XXXX
03/12/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
FL
34638
Web
I filed an ID Theft Report with the FTC on XX/XX/XXXX. I provided a copy of this report to all 3 CRAs on XX/XX/XXXX which then notified all creditors involved.
One of the creditors was XXXX XXXX/XXXX.
On XX/XX/XXXX, XXXX provided me with their investigation results. I attached a copy of that report. As you can see, XXXX XXXX/XXXX was the ONLY creditor who refused to the blocking of their account.
As I assumed this was an error, I sent XXXX a letter on XX/XX/XXXX by certified mail ( see attachment ) which was received XX/XX/XXXX, notifying them again of the ID-Theft and providing them with another copy of my Theft Report. I also notified them that I have not received any communication from them in regards to this matter.
On XX/XX/XXXX, I received a response from XXXX ( attached ), basically stating that an ID Theft would be impossible on this account since it was opened and used be me AT SOME POINT and that they concluded their investigation and filed the dispute as complete.
This forced me to send XXXX another certified letter on XX/XX/XXXX which was received by XXXX XX/XX/XXXX ( attached as well ). I clearly pointed out that this account was indeed opened and used by me but that the open balance was the result of ID-theft. I provided them with the same copy of the XXXX results, a copy of a statement reflecting the last balance authorized by me and notified them when these charges were paid off. I attached the last statement reflecting authorized charges by me ( {$51.00} ). This balance was paid off on XX/XX/XXXX.
I requested the removal of the fraudulent account from my credit-reports within 30 days of the receiving of the letter. This deadline expired yesterday ( XX/XX/XXXX ). I also advised them that a case with the CFPB would be filed if they would not comply.
As of today, XXXX XXXX has not provided me with any information whatsoever. As you can see, I requested detailed information about the alleged open balance, how this balance was calculated, what alleged purchases were made resulting in said balance and, most importantly, any proof of signature of me obtaining said goods. NONE of this was provided.
04/07/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
FL
32257
Web
Servicemember
Due to a divorce and XXXX treatments in eary XXXX, i was unable to keep up with a commitment to pay Comenity Capital Bank XXXX XXXX XXXX XXXX ) for tutoring services provided to my daughter. In appx XX/XX/XXXX, this debt was then sold to another company XXXX XXXX XXXX, XXXX In turn, XXXX XXXX XXXX hired attorney firm XXXX XXXX to collect on the debt. In XX/XX/XXXX, I was able to pay off the balance directly to XXXX XXXX in two payments of {$460.00}. In XXXX and XXXX of XXXX, I spoke with XXXX XXXX and XXXX XXXX regarding how my account was still being furnished as an unpaid charged off in an active collections status. They both indicated i would need to speak with Comenity Capital Bank XXXX XXXX XXXX XXXX ) regarding the credit furnishing since they were the actual company showing up on my credit report. I spoke with Comenity Capital on appx XX/XX/XXXX in which i was informed since i previously disputed the account, they could not update the credit furnishings. i spoke to them again on XX/XX/XXXX and was then told they could not update the account status because they sold the debt. i advised them per the Fair Credit Reporting Act that they had to furnish complete and accurate information and what was being furnished was not correct. There seems to be a process gap in between the original creditor and the buying company on communication as to when a debit is settled in full/less than half. it is u fair to me as a consumer to have my credit report reflecting i have a unpaid debt with Comenity Capital when i do not! please have them review my credit furnishings and update to reflect the account was settled instead of in collections/unpaid charge off. i am not sure if the coding sent to credit bureaus is incorrect or if the remarks/account status require updating, regardless, my credit report should not show as an unpaid charge off. i understand that once the debt was sold the balance was decreased to XXXX. what i do not understand and think is unfair is to not have my credit profile correctly reflecting the account was paid. i have previously disputed this but i do not think the company is truly investigating my concerns.
03/29/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
NY
11754
Web
I am submitting a complaint in regards to my wayfair account that is held by commenity bank. Back in XXXX of 2020 my account was closed by the creditor due to XXXX taking them over. I never had a physical card with wayfair and no account number. I had to pay this card via wayfair 's website. Well in XXXX when they closed down the website went down as well. I contacted wayfair back then and told them how do I pay my bill? I was told I will receive a statement. I never received any statements from them. Again I called and told them that I still have not received any statements and how do I pay my bill? Again was told not to worry a statment will be sent.I was also told they are not transferring my account to XXXX I would have to re-apply again. Which I did not. I have never encountered a situation where if a company closes I have to re-apply again. Aside from that I again attempted to find out how I pay this bill. Never received a statement no phone calls nothing. Finally last month sometime in XXXX of 2020 wayfair called me and told me that my bill is past due and late fees were put onto the account. I told the rep that I am not responsible for all these late fee 's. She hung up on me. I reached out again and called them back and explained to a supervisor ( my request ) what had just happened. The supervisor agreed to remove all the late fee 's and agreed the website was shut down. Now it's on my credit reports which is affecting my credit score. I paid what my true balance was plus a little extra just to clear this account while I was speaking to a supervisor who was actually listening. I again requested to please send me a statment or something to show that the bill is paid in full. I still havent ' received anything. I am upset that I have no records at all of what I paid. I am also upset that this is on my credit reports as negative. It was not my fault that they decided to shut there website and there representatives do not address issues with there former customers. I am requesting this negative remark from wayfair be removed off my credit reports. I pay all my bills on time and my credit is extremely important to me.
08/20/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
PA
15206
Web
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
08/20/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
PA
15206
Web
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
07/27/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
AL
35023
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Lane Bryant XXXX XXXX XXXX XXXX, OH XXXX Dear Credit Department I am writing to you today regarding my credit card account XXXX. The purpose of my correspondence is to see if you would be willing to make a goodwill adjustment on the reporting of this account to three credit agencies. During the period of the late payment XX/XX/XXXX. XX/XX/XXXX, I was diagnosed with XXXX XXXX. XX/XX/XXXX.
During this period, this account was established and had was extremely happy with the service, however not the ideal customer. With the mistakes with my handling of the account, my record-keeping failed to comply with the company and I take full responsibility. When obtaining my credit report, did not realize the impact of my credit score. At one time I had good to fair credit.
Knowing payment was my responsibility and I am not attempting to justify this breach of my user agreement, requesting Lane-Bryant to review the circumstances under which this non-payment occurred and reconsider removing the negative trade line associated with this account from all three credit reports.
As soon as I became aware of the balance, contact was made and will pay the unpaid balance in full. I provided this not to justify why the account became delinquent, but rather to show that the issues with Lane Bryant are not a good indicator of my actual creditworthiness. Please consider working with me on erasing remarks on my credit reports.
I would like to STRESS the information reported is accurate ( not disputing anything with Lane Bryant am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize this is a unique request. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account of its chooses from the credit report. Im praying this request will be granted for this account.
Your kind consideration in this matter is greatly appreciated.
XXXX XXXX
11/11/2017
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
NY
12580
Web
In the early part of this past summer we were having trouble with our local mail delivery so my wife called XXXX XXXX XXXX ( XXXX XXXX ) to ask what I owed since I did n't receive a bill. She was first advised that she was only an authorized user on our card and they would n't give her the amount owed. She explained phone call after phone call that all she wanted was the amount owed so we could do the right thing and pay for the items we purchased and finally, on XX/XX/XXXX, someone was willing to give her the information needed. She asked then very specifically and clearly for the total amount owed to XXXX XXXX on XX/XX/XXXX, was advised {$140.00}, and paid them over the phone with our checking account that full amount due. The company went out of business and the card was closed so it is not like they can say we owed more after that because of subsequent charges. Yet they instead sent yet another bill with more finance charges and late fees based on fees they claim they had n't billed us for. My wife called them last month and was advised this would be resolved and was promised a phonecall back but of course that did n't happen and we are once again receiving bills for late fees/finance charges they just keep piling on month after month for no reason. My wife called them today and was first advised that these bills would just continue as they did n't agree with my " dispute '' and when she called back to speak to them again they have reverted back to " we ca n't speak to you because you 're not the primary cardholder '' ( same XXXX. that started this whole mess back in XX/XX/XXXX when she called over and over again just to find out how much was owed so I could PAY them. ) I did the right thing pursuing paying a bill the USPS never delivered, gave the respect to XXXX XXXX it did not deserve by paying what I owed for purchases made by myself and my wife as advised by them ( XXXX ) and have had nothing but aggravation and unfair treatment from them. I am struggling to keep my head above water and do not need or deserve to have bogus charges/fees count against me on my credit history because of unfair credit card practices.
06/03/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
KS
67230
Web
On XX/XX/XXXX I called Comenity Bank customer service, to explain that I've been having difficult situation, asking for a payment plan, the representative at any moment told me that my account was closed, back in XXXX ( which I didnt know ) she just said " I will transfer with a department can help, they transferred me, and answer a guy named " XXXX '', at any moment he identified as a collection company, he right away asked for a payment, he not even mentioned or stated the collector statement " he was attempting to collect a debt .... '', I explained my situation and he all the time was pretending be a bank representative, he told me to pay {$340.00} and he promising to waived all my late fees which was {$100.00}. and then my credit card would be in good standing. I accepted and made the payment, and not even at the end he mentioned that was a collection company. I called back next day ( XX/XX/XXXX ) to make sure if {$100.00} wasn't credited on my account ; obviously, same thing happen, customer services transfer me to " department can help '' without mentioned that they were transferring me to a collection department, I spoke to rep. named " XXXX '' and she transferred me to " XXXX '' and finally they transferred me to supervisor named " XXXX '', none of them identified themselves as collection company representatives, of course without mention the statement of intent to collect a debt. I found out that something wasn't right, and after several question from me they told me that they wasn't the bank, that they were a collection company, I was peace off, why lie to me just to collect a payment, I told XXXX that I was going to cancel the {$340.00} dollars on my bank, which I did it, immediately after hang out with them. it is an unethical practice use a collection company that lie just to get payment from customer, without follow the proper protocol collection companies must have. Also ; Im still receiving regular monthly statements, on paper and by email, the last one was received on XX/XX/XXXX ; ( attached on documentation ) with NO information that my account its been canceled and transferred to a collection company.
06/10/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
94538
Web
To whom may concerned : I have this XXXX XXXX XXXX credit card bill issues.
I got the bill for {$17.00}, that is due XX/XX/XXXX. But since in late XXXX I was travel in XXXX till today, but my husband is in USA, and he paid the bill on line in XX/XX/XXXX. At the time he was making the payment, the balance shown was {$17.00}, even we were two days late. After paid for the bill, we did not use that credit card anymore.
We paid the bill and thought we do not own the credit card. But in XX/XX/XXXX, after we had paid our full bill amount. The credit card company still charge us late fee and create a new bill for {$19.00}. Then in XX/XX/XXXX a bill for {$24.00}, in XX/XX/XXXX a bill for {$66.00}. Since we had signed up for on line statements, and the email notification is going to my email account, but I was travel in XXXX all these time, not easy to access the email, and worst yet, I do not expecting another bill. Until my husband received the letter bill of {$66.00} in XX/XX/XXXX.
In XXXX, I had contacted the credit card company, by phone XXXX, and told them our situation, they said they try calling us, and leave messages, but my husband check the phone call history, it only shown a few anonymous calls and no messages from the credit card company all these time. The credit card representative only agree to drop the bill to {$42.00}. XXXX and if I pay for that amount, then my account will be XXXX dollar balance.
I do not agree with the credit card company 's charge, but I dont want the bill goes higher, so I agree to pay for {$42.00}. XXXX to bring my balance to XXXX dollar first, and make my complain later. And I paid {$42.00} on XX/XX/XXXX.
I only two days delay to pay the bill before the due date, after all I did PAY for my bill before the next statement. If need to be charge, should only charge for that two days late fee only. The way the credit card company doing is ripping people off, they ignore my original full amount of payment, and make new charges to me, this is unreasonably, unfairly and discriminate, and because of these late fee charges, it ruing out my credit report! I am asking for a fair judgement!
03/30/2021
Yes
Debt collection
Medical debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
ID
83814
Web
Older American
My name is XXXX XXXX, and I am a XXXX XXXX woman. I live alone in XXXX XXXX, Idaho and survive on {$1000.00} a month in social security benefits. A friend helped me write this letter.
On XX/XX/2020 I went to XXXX XXXX, located at XXXX XXXX XXXX XXXX , XXXX XXXX, ID XXXX, for a free examination and x-rays. By the time I left, they had charged me {$1600.00} for deep cleaning. I met with a front office employee of XXXX XXXX that day, but the conversation was confusing, rushed, and I felt pressured. She had me sign something that I did not understand, and only later discovered was a {$1400.00} loan from a company called Dental First Financing/Comenity. I have a mental condition that I take medication for ( which I disclosed on the XXXX Dental registration forms ) and I honestly did not realize what I was signing until I started receiving bills. If I knew my free visit was going to end up costing me over {$1600.00}, I never would have gone there. Under no circumstances would I have knowingly taken out a loan like this when I am barely making ends meet!
Since late XX/XX/2020, I have tried several times to resolve this on my own by speaking to the office manager of XXXX XXXX, a woman named XXXX. I also disputed the bill with the finance company, but they still say I owe them money. I do not believe I should owe them anything because I did not know what I was signing. My XXXX, and the high-pressure environment at XXXX XXXX, made it impossible for me to understand what I got pushed into. I called the finance company again just recently and they wanted to charge me {$9.00} to speak to a higher up representative to get this resolved. This was so upsetting, I hung up on them.
The emotional harm this experience has caused me is beyond words. I cry every time I think or speak of it. I feel like XXXX XXXX exploited me as an elder, violated my rights under the American with Disabilities Act, and failed to follow lending laws by not clearly informing me of what I was signing. I can not afford a lawyer and am asking that you please help me hold these people accountable.
Thank you so much for your time and efforts on my behalf.
09/21/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
IA
50401
Web
Older American
XXXX booked vacation through XXXX from XXXX through XXXX in the amount {$930.00}. We were to stay at XXXX XXXX XXXX, XXXX XXXX, XXXX.
XXXX received e-mail from XXXX that our trip had been cancelled due to Covd-19. I was advised that as of XXXX XXXX had paused operation and I would need to contact my credit card company to receive reimbursement.
XXXX I contacted my credit card company, COMENITY-Orbitz Rewards Visa Card by phone to receive credit on my account and was advised a dispute would be processed.
My COMENITY-Orbitz statement showed a credit of {$930.00} plus XXXX interest fee but was again charged back to my account.
XXXX I received a letter from Comenity requesting information which I sent to them by mail on XXXX.
XXXX Comenity sent me a letter advising they had received my claim and notification would be made within 90 days.
XXXX I received another letter requesting the same information.
XXXX I called Comenity and talked to XXXX advising him I had already sent the information. He advised me to resend the information and that he would process another dispute. He advised that his supervisor had called the resort and it was still closed.
XXXX received letter requesting information AGAIN.
XXXX I sent information to them.
XXXX received letter to Comenity advising they received my claim and they needed another 90 days to complete the investigation.
XXXX called Comenity and was advised the case was closed in XXXX. I never received notification of this. I requested to speak to her supervisor as she could not give me an explanation.
Was transferred to a supervisor, XXXX who advised she would send e-mail to dispute department and call me back on XXXX. She advised Comenity received the information they needed from me on XXXX.
XXXX I called Comenity and talked to XXXX who left me on Hold for 30 minutes and was then cut off. I called back and requested to speak to a supervisor. Was connected with XXXX who advised she was a senior supervisor but could not help me in any way. She advised Waiting for dispute department to make a decision.
I still have {$930.00} plus interest on my card and received nothing.
11/30/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
NC
27597
Web
Thursday, XXXX XXXX, XXXX I purchased a ring for my daughter ( who is an authorized signer ) on Saturday, XXXX XXXX at the Zales store at XXXX XXXX XXXX in XXXX, NC in the amount of {$1800.00}. The ring was never in my daughters possession as she had requested it be resized. Since XXXX XXXX fell over the XXXX XXXX weekend, the ring would take several more days than usual to be sent off and resized.
On Sunday, XXXX XXXX, my daughter called the Zales store referenced above, and cancelled the purchase of the ring. She was told by an associate that the ring had not been sent off to be resized and they would return the ring to their inventory and credit the Zales Credit Card account immediately. My daughter was told there would be no need for additional action.
On Sunday, XXXX XXXX, my daughter checked the balance of Zales Credit Card ( with my permission ) and noticed that the ring had NOT been returned and was showing a balance of {$1800.00} with a LATE FEE of {$25.00}. My daughter then called the Zales store the ring was purchased at and demanded to know why the account was showing the ring was not returned. She was then informed by an associate who claimed to be the manager, that in order to return the ring, my signature or my daughters as she used her Zales authorized signer card, would need to complete the return.
Due to the ineptitude of the store associate my daughter spoke with on XXXX XXXX, my account was placed in a COLLECTION status and reported to the credit bureau. I am beyond furious at this turn of events. Store associates need to be properly trained on how to deal with returns. Because of turn of events, my credit has been negatively impacted due to a store associate not understanding the return process. If we were informed the return would require a signature, there would be no question it would have been taken care of BEFORE the first due date of the payment on XXXX/XXXX/XXXX.
The issue with the credit bureau should be corrected ASAP. I do not want to pursue this matter further by filing a complaint with the CFPB or other consumer protection bureaus, but I am beyond furious this has happened.
05/16/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
TX
75093
Web
Servicemember
Comenity bank where I have 7 branded cards for services ranging from XXXX, XXXX XXXX and XXXX medical card. I attempted to use my card now that my doctor is allowing XXXX XXXX- I went online to verify my dr was in the network and he was comenity site asked during the search to provide services possibly being used and identify the dr office this was in XX/XX/2020 when trying to use the card on XX/XX/2020 it was declined- I sent them a secured message and they quickly replied that due to inactivity they closed the account and coincidentally it was two days after my search for my dr on their site. I have had the card for 5 years and paid all my medical procedures on time, in full and before interest could accrue. My credit score has decreased in the past couple of months due to using 22 % of my available credit vs my usual 11 %. This is not a result of financial loss only my being cautious and keeping more cash on hand but still no late payments to any creditor for 45 years - no bankruptcy, no collections, always and still pay well above the minimum due. I understand banks are pulling back credit lines with no real reason. The credit agreement for all comenity cards does not list that credit will be evaluated at anytime or for any purchase as long as account is in good standing their medical services card are not subject to closure due to long periods of non use. And certainly they knew I planned to use the card and once they closed it it immediately raised my credit usage to 30 % and dropped my score 20+ points. I dont believe this is a fair practice during this pandemic and am tired of seeing and now feeling myself these lenders just making rules as they go. When I called they asked me several times my date of birth and asked how long the dr was offering terms - I got put on hold and when he came back online said I would have to reapply- I feel Ive been age discriminated against and also based on my name the assumption that I was not the race of client they wanted to continue to do business with. XXXX did this after XX/XX/XXXX and not only did they pay dearly but have been one of my best financial partners since.
06/25/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
10970
Web
To whom it may concern, I have paid XXXX XXXX ( through comenity bank ) on time every month. There were always strange changes on their statements that I didn't question because I had the intention of paying the balance in full prior to my XXXX statement. As an example ; " the balance subject to interest rate '' changed sometimes ( There was only 1 purchase on this account ). I was told upon opening this account that I would be allotted 6 months from my first statement to pay the balance off. That would be my XXXX statement ( which is still not generated online ). The first statement was dated XX/XX/XXXX, and states " XXXX XXXX XXXX '' meanwhile I actually bought the item in XXXX XXXX XXXX. I've never been to XXXX XXXX so I may even be due back money seeing as XXXX Lempira is equivalent to XXXX of US dollars. I'm not sure why this purchase actually shows as coming from XXXX XXXX. Possibly to benefit the business ( Just an assumption ) seeing as there is a major currency difference. Additionally I logged in to my online account today. XX/XX/XXXX between XXXX and XXXX and selected the option to pay " Total balance due '' and issued a payment of {$630.00} USD which should have cleared all balances on my account. I called this evening to close this account as I didn't want this company on my credit report any longer, and was told that the company showed I had interest charges exceeding {$100.00}. ( These charges are not accurate, and they were posted to my account after I paid off my balance in full ), Mysteriously they appeared thereafter the final payment was put through. I would like this to be looked into please seeing as I haven't even received a bill for XXXX as of yet, and I additionally selected the option earlier today to pay this balance in full. Approximately 4hrs later I'm being informed of additional fees after attempting to close the account, meanwhile this afternoon the website showed a {$0.00} balance. This seems extremely unprofessional, and somehow fraudulent.
Please let me know if any additional information is needed from me, Thank you for your time looking into this discrepancy, XXXX XXXX XXXX
11/19/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
IL
60612
Web
Hello, thank you.
On XX/XX/2021 I paid my XXXX account in full to arrive at a XXXX balance. Not having any charges, I made no further payments.
In XXXX I received a bill in the mail stating I was late in making a payment, and I had a balance of {$30.00}! I called XXXX immediately to see what happened knowing this had to be an error.
The customer service rep saw that I paid in full on XX/XX/XXXX, and there shouldn't have been any further charges added to my account. I believe he said it was an automatic compounded interest charge or something. Anyway, they erased all the interest and late fees that accumulated after the XX/XX/XXXX date and put my account at XXXX.
However, XXXX weeks later I noticed on my credit report they had filed a late payment report against me. I've been trying to get them to remove this mark as it resulted from their error, but so far they have not removed it.
For the past XXXX years I have had perfect payment record on my credit report for ALL of my accounts. XXXX was no exception. I'm very upset that they've marred my credit report in this manner, especially right now as I've been trying to buy a house for the past XXXX months! This matter is interfering with my ability to obtain a good interest rate for a mortgage. I can't wait much longer for this to be resolved!! Please help.
Action Steps I've taken since this issue was first brought to my attention : XXXX. I've called XXXX several times and spoken with agents.
XXXX. As they requested, I sent many messages through their secure message center explaining the issue to get resolved.
XXXX. I sent a letter to the main Comenity Bank in XXXX, to seek resolution. Customer Service told me in late XXXX, that the only method was to write the bank itself in Ohio.
XXXX. I called the bank today to see if there was any news, and was told a letter was sent to me yesterday in the mail. Still no indication they've sent any updates to the credit bureau.
XXXX. I filed a dispute with XXXX XXXX in mid XXXX and with XXXX on XX/XX/2021.
XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, IL XXXX ( XXXX ) XXXX
06/09/2017
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Unauthorized transactions or other transaction problem
PA
19610
Web
Older American, Servicemember
PayPal Credit offe rs both standard and deferred plans. XXXX items were incorrectly posted to standard vice promotional deferred plan. When PayPal Credit corrected the problem and moved the XXXX items in dispute to the proper deferred plan, they incorrectly added each item twice. See below for charges dated XX/XX/XXXX and XX/XX/XXXX in the amounts of XXXX , XXXX and XXXX : No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$1.00} {$6.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$0.00} {$0.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$0.00} {$1.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$0.00} {$0.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$0.00} {$1.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$0.00} {$1.00} $ XXXX 9* No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$1.00} {$8.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$1.00} {$6.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$0.00} {$0.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$6.00} {$38.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$1.00} {$7.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$1.00} {$6.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$3.00} {$22.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$6.00} {$37.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$0.00} {$0.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$0.00} {$0.00} $ XXXX * No Payments Until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * {$0.00} {$0.00} $ XXXX * I have been attempting since XX/XX/XXXX to get this corrected, but they refuse. They claimed they went statement by statement, but that 's the point : each statement since XX/XX/XXXX had the three items double billed, for an additonal charge of XXXX . The excerpt is from my latest statement.
01/09/2018
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
FL
33311
Web
I was notified through XXXX on XXXX XXXX 2018 that all my accounts with XXXX XXXX had been closed.
( XXXX XXXX card ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX with a Balance of {$220.00} when closed and now shows a High Balance of {$310.00} ). In which all accounts had been open in the month of XXXX which was reported to my credit report. I understand thatvthey have a right to close any account without such notice to the consumer however as a consumer to have such a negitive impact to your account within 1 month does not reflect well. This action on the part of the creditor will remaun on my report and it will not reflect in a positive way as the account was open and then immediately closed. I wish to have them remove all accounts from my crdit report and all inquiries that they have place on there. I understand that i may not be the most credit worthy however my past mistakes are from not understanding the importance of credit. However i wish to not have 6 accounts closed adding to the damage that is alredy impacting me that I am trying now to correct. I feel as though my privacy has been invaded by them rechecking my credit report therefore reverting too them closing all my accounts. It would have been better to have denied me all together then to approve me and close accounts that are in good standings and had never been used.
When I initially contacted XXXX concerning this issue the young lady informed me that all accounts had been closed seemingly due to alot of recent credit inquiries and the only recommendation she could offer would be to write a letter and ask for a review to see if any of the accounts could be reopened. She offered to give me the address in which to write an appeal letter, but see as it was already decided i opted out and Thanked the young lady for her help. ( I was informed that all accounts had been closed as of XXXX XXXX and I was informed today that a letter explaing why they came to the decision was just mailed on XXXX XXXX.
I thank you for your time and look forward to hearing from you concerning this matter.
Best regards.
XXXX XXXX XXXX
03/29/2017
Yes
Debt collection
Credit card
Taking/threatening an illegal action
Threatened arrest/jail if do not pay
RI
02852
Web
Attorney XXXX served me with paperwork regarding a debt owed. We spoke on the phone and he agreed to make an alternate agreement with me instead of in court and stated he would not pursue the court case. I made an agreement with him to pay {$50.00} per paycheck. I moved recently and changed my phone number and sent him in writing the new information. I was having financial difficulty and asked to skip a few payments temporarily and resume my payments in XX/XX/XXXX. He agreed verbally over the phone. My employer then received a notice for wage garnishment. I contacted the lawyer and besides the original agreement he denied allowing me extra time to pay and denied receiving my new contact information. He also stated that I could be arrested for not showing up for court ( even though the court notice to garnish my wages was only mailed to me and sent to my prior address. ) The wage garnishment he said would be approximately $ XXXX/Pay period. I advised him I can not possible afford $ XXXX/mo and if there 's any other options and agreed to increase to $ XXXX/pay period and he again said there was nothing I could do as I owed the debt and the judgement has already been made. He asked me to send a copy of my monthly budget ( which I faxed right away ) and made comments to me that if my rent and electricity are up to date then I should just " hold off on paying those '' in order for me to pay this debt. I am a single mother, I do not get child support. I 've tried to work with him reasonably and he has been threatening and goes back on agreements previously made. He also mentioned how I did n't go to the original court date even though he told me I did n't have to because I went to his office and met with him directly to come up with an alternate agreement. He has not contacted me back regarding a different agreement since I sent him the budget he requested and I feel he is just stalling until it is too late for me to change anything. I also feel he took advantage of my address change and immediately filed knowing I would n't receive the paperwork and would n't show up for court because I would n't know about it.
02/09/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
KY
40241
Web
I was charged {$27.00} in late fees ( {$25.00} ) and interest ( {$2.00} ) on a {$.00} balance, that I thought was going to be paid automatically after having set up payment on-line. It was unclear to me that XXXX Bank only offers a one-time payment option, rather than autopay like all the other credit cards I have. When the {$.00} balance was not deducted on XX/XX/2019, I received the next statement on XX/XX/XXXX, show a larger balance of {$28.00}. I called that day to pay the {$.00} balance and request a refund of the fee and interest. That request was rejected. I am sending a letter to their Billing Dispute Department to hopefully have a refund processed.
However, in addition to feeling like these fees are outrageous given the extremely small balance, I believe XXXXXXXX XXXX conduct is also deceptive. Their website should be clearer regarding the lack of an autopay option. Further, when I called previously about a missed payment, I was simply told that the issue was that I had set up for a one-time payment, not that XXXX does not even provide the option of autopay, leaving me to think I had just somehow made an error on-line and that if I resubmitted my request, I could activate autopay for future payments. Finally, during my call with XXXX on XX/XX/XXXX, I stated that I was not going to pay the fees and interest. I was told that that was my choice, but the amount would still be owed. Only when I asked whether additional fees and interest would be applied to the disputed fees, did the agent inform me that they would. This all suggests to me that XXXX prefers to be vague about its payment system and others procedures, so that customers incur additional interest and late fees.
Last, I do not believe they applied the proper late fee, even if I am required to pay the fee. The late fee is capped by the balance owed. They charged me {$25.00} as a late fee, which was the statement balance at the time the statement was issued. However, a credit of {$25.00} was applied on XX/XX/XXXX, well in advance of the payment due date, leaving a balance of {$.00} being unpaid as of XX/XX/XXXX, the due date for payment.
09/18/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
IL
60484
Web
On XX/XX/19 I spoke to a rep from Comenity Bank named Mr. XXXX, I wanted to dispute this fraudulent information that was being held on my credit report, the representative accused me of lying about the account being fraudulent. He stated that since the account was being paid with a XXXX XXXX account that I was obviously lying about the account not being mines, when I asked for his ID badge he refused and cut the line. So called back and spoke with someone else who sent me fraud report. My dispute started XX/XX/19, the rep informed my the dispute investigation takes from 45 days to 90 days to complete. On XX/XX/19 I sent the letter off to the XXXX, OH address, along with my IDF report and police report number. I called on XX/XX/19 and was told the letter have not been received yet and to call about the following Tuesday. On XX/XX/19 I spoke with another rep named XXXX, Badge # XXXX, I asked if they have received the letter yet, he told me their is no way for him to know if it came and I would have to wait until the dispute was over. Then he turned around to told me the disputed ended on XX/XX/19 and they found that i was responsible for it, but yet they didn't receive my reports and and its only been about 20 days since the investigation started. When I asked can resend my documents, he told me that since they found I was responsible for it, they never investigate this account again and I will have to pay the full balance. He told me anyone can make a police report and put their name on it, he accused me of making a false police report which a criminal offense in the state of IL. Why would put my career and schooling in jeopardy over {$500.00} by making a false report. I just want Comenity Bank to know these are the type of UNTRAINED and UNPROFESSIONAL people working for them, and a reminder from those SAME people and OTHERS to NOT give their input on things they DO NOT know about. Comenity should also know refusing to take this item off my credit report is violating several laws and Credit acts. They have lied time and time again, I have everything documented this bank needs to be shut down immediately.
04/07/2017
Yes
Credit card
Billing disputes
TX
77706
Web
Victoria 's Secret - Comenity Bank My account is showing a balance which consists of numerous late fees ; however, I paid the balance of {$110.00} in XXXX.
In early XXXX, once I realized that I was behind a payment, I called the Customer Service number about my payoff, and asked about having two of the late fees removed because I have been having US mail issues and not receiving my statements. I was told that they would be removed, after my payment was received. With that late fee credit ( {$50.00} ) and the interest charge for them ( {$3.00} ), my balance would be {$0.00}.
Since that time, my account has accrued a late fee each month ranging from {$27.00} to {$37.00}, to the amount of {$230.00}.
In early XXXX, once I realized that my account was still accruing fees, I called the customer service number and I was told that no one by phone could help me and that I needed to send a letter. I did send a letter and received a response stating, " A late fee may be charged to your account when the minimum payment due is not received by the scheduled due date. Because this requirement was not met, we are unwilling to remove the late fee from your account. '' However, within a few days of receiving this letter, I received a XXXX billing statement showing on XXXX, that I was credited for two late fees and finance charges totaling {$75.00}, but still showing a balance of {$170.00}. I again called and spoke with a Supervisor and was told that the late fees and finance charges are a legitimate balance.
How can they continue to change me fees? This credit card bank should have never been able to charge me any fees since I paid off the balance on my account in XXXX. They are now saying that they can not refund anything and I must pay the balance due, which is all fees that I have been charged by them. I did offer to pay the {$50.00} late fee that was charged in XXXX to try to satisfy this account, but they would not remove the other fees that they have charged since their customer service representative did not do what she stated that she would do. I should have a XXXX balance/paid in full on this account.
12/29/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
OH
45154
Web
The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXXCommenity Bank is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XX/XX/XXXX!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY VICTORIA SECRET I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!!
They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my Victoria Secrect Account!
I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!!
I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO CREMATE MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!!
OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
02/05/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
NY
10029
Web
I been a customer of XXXX for ten years and in about XX/XX/XXXX one of XXXX customer service agents in they questionable pitch go me to open a XXXX credit card I did but I closed the account within 30 days as instructed if I no longer wanted that service. I had order several items a phone, printer and paid them off through my XXXX online website account to that company instead paying debt off to XXXX XXXX XXXX [ hereinafter " XXXX '' ] contracted by XXXX for the said credit card. then abut XX/XX/XXXX, started getting ls from XXXX stating that owe a erroneous balance of XXXX on a count I had closed within prescribed time to avoid such complications. I called XXXX to complain about this issue they told me to write a letter disputing charges I did to prevail the next month in XX/XX/XXXX billings invoices continue arriving. So called XXXX to tray to get them to intervene & resolve this issue through a 3-way phone call which was futile because XXXX customer service Reps just abandoned & left me to the misleading and unscrupulous conduct of XXXX. I had spotless record of paying my debt with XXXX and it is my contention that XXXX is at fault here for XXXX XXXX onto their loyal customers who are then taken advantage by the deceptive business practices of XXXX. I threatened to get an injunction from the XXXX District Court of New York Court to cease the unlawful credit card practices by XXXX which just ignore me and in the event this agency does nothing I ight have to take court action option filing a pro se complaint in the matters discussed here. I am XXXX years old XXXX XXXX XXXX who need s assistance from these alleged abuses. These issues are causing me in-necessary emotional/mental duress and potential economic injuries. I hold XXXX equally responsible for the problem because their greed in getting some sort of financial kick back from taking advantage of unsuspecting victims as my self and should be held responsible by this agency or any other responsible agency or court of law for the deprivation of an apparent 14th U.S. Const. Amendment violation, of the Equal Protection & Due process Clauses.
11/05/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MN
55372
Web
I ordered two items from Wayfair using their store credit card. The items came and they were defective. Wayfair refused to work with me to return them. One was a chair and the other was a cat tower, so it would have been outrageously expensive to return them. Also, I didn't realize they were defective until I spent hours doing my own assembly. I certainly didn't want to take them apart and try to box them up again.
Next, they never sent me my credit card, so I was unable to set up an online account for months because I didn't know my account number. I called them three times and they wouldn't help me because I didn't have an account number! They also never sent me any paper statements.
They also do not allow for automatic payments by using their online system. They also don't send notifications. Basically, they make it impossible to pay the bill. I own a small business and I have MANY credit cards. They are all on automatic payment because I'm not going to keep track of thirty cards. I'm NEVER late with payments and I can prove this.
However, this company uses deceptive and illegal business practices to keep customers from paying on time so they can keep charging {$35.00} fees each month. It's over a year later and I owe them MORE now than I did before for items that I can't even use!
After months of trying to work this out, I just sent them a letter stating that I no longer wanted to do business with them, so would they please remove the {$140.00} in fees. As soon as they did so, I would pay them IN FULL! The refused. I do not owe this {$140.00}. These fees were accrued because of mistakes made by Wayfair, not by me. I wanted to pay them, despite their inferior merchandise, and pay them on time just like I do every other card that I have.
I just want the fees removed so I can issue them an online payment for the remainder I owe and I can be done with them and their horrible company. I now have to incur even more expenses getting rid of this huge XXXX inside my home. My waste management company won't even haul it away without me paying them huge disposal fees.
Warm Regards, XXXX XXXX
11/06/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
RI
02842
Web
Account was opened XX/XX/XXXX. At the time my credit was checked and I was approved for the department store card.
In XX/XX/XXXX, upon closer examination of my statement, I noticed my credit line had decreased. I had received no notification of any issue. My account is in excellent standing. I phoned the provider and they stated they had no idea why my credit line had decreased and they reinstated my original credit line.
Yesterday, while looking at my account, I noticed, yet again that my credit line had decreased. Again, no notice, no call ; no idea why. Account had a XXXX balance and excellent standing.
I phoned the account holder today after not getting an explanation from an email the yesterday. According to the " Account Manager '' that I spoke with - XXXX has the right to periodically check my credit score from all three reporting agencies ( XXXX ; XXXX and XXXX ) and apparently are also getting credit updates on a regular basis from all three credit reporting bureaus when ever something changes on my credit report!! I never gave any permission for any company to constantly monitor my credit..and I know this is not legal. She stated that they had sent a letter on the XX/XX/XXXX. I have received nothing. She also stated they mailed letters back in XXXX ( however when I checked in XXXX the Customer Service Rep I spoke with at the time told me she didn't see any letters going out ) when I brought up this had happened before, and I had never received any letter. I asked that the letter be e-mailed to me along with any documents that they state " allow '' them to monitor and get updates on my credit. She stated that she can not e-mail them and that she needs to mail them. She would not give me any reason why this has occured.
I never gave XXXX ( XXXX XXXX ) permission to " monitor '' my credit reports from the three major credit reporting agencies.
I have paid off the card in question and have closed the account. I have asked that my banking information be deleted from their system and I have also requested confirmation, which I have not received.
This is a muli-issue complaint.
07/06/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
OR
97503
Web
I have receive calls from XXXX XXXX ( XXXX XXXX credit card ) from blocked numbers, as well as their listed number. I answered the blocked call today ( XX/XX/XXXX ) and the representative confirmed they were from XXXX XXXX. Once I told them Ive received multiple calls, and that its harrassment, I was hung up on. Earlier this same morning I received 2 calls from their company ( XXXX ). I have no number for the blocked call, just that I answered and they stated the company name. On XX/XX/XXXX, I received 4 blocked numbers in a row, as well. This is the only company whos tried contacting me through calls, and I rarley get a voicemail not offing why they called. ( They called while writing this complaint. Heres when they called : XX/XX/XXXX I have no time for, my phone doesnt show it. I was called 4 times in a row from a blocked caller.
XX/XX/XXXX I have received calls at XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX from the listed and blocked numbers. I tried speaking with a manager, and she continued to tell me they can call to collect. I let her know I know the fair debt act, and she continued with the same statement. I told her that its harrassing. She said they comply with the Fair Debt Act, and I let her know that if she complied, I wouldnt get 5 calls before XXXX. She continued to state she was in compliance and she wouldnt let me speak without her interrupting me so I can tell her what happened. I asked for my number to be taken off and I notified her Im filing Chapter XXXX Bankruptcy. She kept telling me that they are allowed to call and I told her the fair debt anusive practiced of calling during inconvenient hours and calling multiple times to harass or annoy. She said she as well would sum it a complaint and see why I was hung up on when I tried reporting said abusive practices. I 100 % feel like this is harassment to get me to pay the bill. My attorney advised me on XX/XX/XXXX that I needed to stop paying my bills because I am filing Chapter XXXX. She continued to say my phone number is in an automated list, and I let her know that it doesnt matter, that its against Federal debt practices.
06/07/2018
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
NV
89502
Web
I was signed up on XXXX XXXX XXXX through an XXXX XXXX representative and signed up for paperless billing. Each month I received an email to pay through their online account. On the email sent on XX/XX/XXXX, the only option on the bill was to make a payment. As stated in that email, through my account I was able to access current credit limit, available credit, and important account information. I was not able to view statements through my account. I scheduled payment for {$200.00}. Suddenly and without warning an additional {$1800.00} was added to my balance on the XX/XX/XXXX email. I also noted that the email now allowed the option to view statement. Upon entering my account, suddenly there was a tab to view statements which was not previously there. I contacted XX/XX/XXXX to see if I could just pay the {$1600.00} to resolve the charge without the newly added " finance charge '' because I was not made aware that there would be a change and they stated that every email they had sent me included a link to " view statement, '' which was not the case. When I went to my account, suddenly a tab with statements appeared that was not previously there. I can not prove that the statement tab was not available on the account, as I did not anticipate this issue beforehand in order to screen shot it. Based on the information, I believe that their entire business model seems based on deceiving consumers to impose large finance charges, refuse resolution, and leave the consumer no other option but to overpay or refuse payment and dispute charges so that they could sell the debt off to debt collectors and write off disputed charges on their taxes, which would affect not just me, but the government. I attempted to reconcile by offering to pay the full {$1600.00} that was the previous month 's billing total to not move the dispute further and they refused. I've also never missed a payment and would, more often than not, pay more than double the minimum charge. I have acted in good faith with the company and in return, they withheld information from me intentionally to obtain an exorbitant financial charge.
01/12/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
MI
48239
Web
XXXX XXXX has been calling me almost daily for three weeks because my last payment to them was {$5.00} less than the minimum ( I 'm unemployed and it was all I could manage at the time ). They never leave a message. They have not contacted me in writing. When I log in to my account online, there is no indication that I have an overdue amount of {$5.00}, only a minimum payment of {$60.00} that is due five days from now ). XXXX XXXX calls me so much over that {$5.00} I owed them that my caller ID has labeled them " suspected spam '' or " nuisance. '' They call from at least five different phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has called me at least 48 times in the last three weeks over a " past due '' amount of {$5.00}. My own mother does n't call me as much as these people.
XX/XX/XXXX : 11 calls between the hours of XXXX XXXX and XXXX XXXX ( this last call occurred only because I made this month 's payment, then called XXXX to tell them to stop calling me 10+ times a day ) XX/XX/XXXX : 3 calls between XXXX XXXX and XXXX XXXX
XX/XX/XXXX : XXXX call XX/XX/XXXX : 4 calls between XXXX XXXX and XXXX XXXX
XX/XX/XXXX: 2 calls XX/XX/XXXX : 2 calls XX/XX/XXXX : 2 calls ( I had already made a payment that day ) XX/XX/XXXX : 5 calls between XXXX XXXX and XXXX XXXX
XX/XX/XXXX : 3 calls, but two of those calls were in the same MINUTE ( XXXX XXXX ; they called, let it ring a couple times, hung up and immediately called again ) XX/XX/XXXX : 3 calls, but two of those calls were made within the same minute ( XXXX XXXX ) XX/XX/XXXX ( a HOLIDAY, but they still ca n't give it a rest ) : 3 calls between XXXX XXXX and XXXX XXXX ( two calls within the same minute ) XX/XX/XXXX : No calls. I assume the XXXX Department took the night off for XXXX.
XX/XX/XXXX : 2 calls between XXXX XXXX and XXXX XXXX.
XX/XX/XXXX : 3 calls between XXXX XXXX and XXXX XXXX ( 2 calls within the same minute ) XX/XX/XXXX : 1 call XX/XX/XXXX : someone had the day off. No calls.
XX/XX/XXXX : 1 call XX/XX/XXXX : No calls ; the good people at the XXXX XXXX XXXX Department must be XXXX XX/XX/XXXX : 2 calls, both at XXXX XXXX
06/28/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
MO
63116
Web
I had a Comenity Bank credit card, through a company called XXXX. XXXX informed me that their credit card program was ending on XX/XX/XXXX. I received several communications about the program 's end. The final notice was sent on XX/XX/XXXX, stating " If you're using your XXXX credit card to make recurring automatic bill payments, please switch those payments to a different card, since your XXXX credit card will no longer be accepted. '' I had until the next billing cycle to fully pay off the card balance. As of XX/XX/XXXX, my balance was XXXX. Since my debt was satisfied, I didn't think about the card after that.
Around XXXX of XXXX, I started receiving notices from XXXX that my account had an unpaid balance. I called them up to explain that the charge they were trying to collect on went through XX/XX/XXXX, 3 months after the card was closed. It was a recurring automatic charge of {$6.00} that, per their own letter, should not have gone through. Over the course of the next 6-8 months, I regularly called up XXXX to re-explain that the charge should not have gone through. Each time, the representative agreed with me, and indicated that they would be notating the account to reflect that. I continued to receive late fees and finance charges over the course of a year and a half, despite making at least 6 separate calls to the company. In XXXX of XXXX, I finally just decided to pay the {$190.00} accrued on a {$6.00} charge that never should have gone through to begin with.
I put this behind me until I checked my XXXX and XXXX reports and saw that XXXX reported my account as late from XX/XX/XXXX to XX/XX/XXXX, despite the card closing XX/XX/XXXX. This is more than a year after the card was closed and paid in full. The account is reported accurately through XXXX. I have disputed this through XXXX 2 times, and I am currently disputing it for a 3rd time. XXXX says that XXXX has provided documentation to support their claim, but I have conflicting documentation that supports mine.
I have perfect payment history on all of my tradelines. This is illegal and all-around not fair.
Thank you.
04/16/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
VA
22066
Web
Servicemember
I opened an Ann Taylor credit card several years ago. I had not used it in a couple of years when I used it in XXXX. Because I had not used it in years, the bank who issued the card, Comenity Bank, did not have my current address.
They began calling me several times a day in XX/XX/XXXX. I spoke with a man there in XXXX and he explained I recently used the card and did not make my payment. I asked him why I had not received a bill. We realized they did not have my latest address. I updated my address with him and asked him to send me the bill and I would pay it. I also closed the account that day.
In XX/XX/XXXX I began receiving several phone calls a day from Comenity Bank again. I asked why they had not sent me a bill yet. I did not receive an answer but was told to pay the balance of {$190.00}.
Since I had the account information in my online bank settings, I paid the balance and thought I was done. Even though I still had not received a bill. I paid this balance on XX/XX/XXXX.
In late XX/XX/XXXX I started receiving five phone calls a day from Comenity Bank, these calls would interrupt me in work meetings several times a day, I would receive phone calls late into the evening and all throughout the weekends. A message was never left in my voicemail. I did not know what it was about since I had paid the balance off and closed the account.
I answered the call one day on a Sunday when I had received several calls throughout the weekend. When I answered it, I was told by a recorded voice to call back during business hours Monday through Friday.
On XX/XX/XXXX, I answered another one of the calls. A woman told me I had a balance due. she asked for my address, which I gave her and she confirmed she had the correct address. I asked why she has not sent me any bills when I have been asking for a bill since XX/XX/XXXX. She said she could not tell me anything further unless I provided my social security number and date of birth. I told her I would not provide my PII on a recorded line and that she called me. She said she could not continue the call unless I gave her my PII. She hung up.
02/23/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
IL
62208
Web
Older American, Servicemember
On XX/XX/2019 we mailed our MasterCard bill ( issuer ; XXXX XXXX XXXX ) payment of {$500.00} ( more than 4x the required amount ) to the card issuer. The 'due date ' on the bill was XX/XX/XXXX. Due to severe winter weather, the transit time for our payment was longer than usual and the payment was not processed by the card issuer until XX/XX/XXXX. The card issuer confirms that the payment was received and processed, our bank confirms that the check has cleared and funds have been transmitted to the card issuer. However, the card issuer states that they have not yet recorded the payment in their system hence the account is marked 'delinquent ' and the card is suspended/'restricted ' for one month due to being in a 'delinquent status '. During a phone conversation yesterday evening ( XX/XX/XXXX, o/a XXXX ), a supervisor ( XXXX/ # XXXX ) at the card issuer further stated that their processing can take an additional ten days, resulting in further 'delinquent status ' time plus interest and penalties. I informed the supervisor that the Uniform Commercial Code and established law states that when normal payment is accepted through the US mails, and the payment is deposited to the mails prior to the due date, that payment is considered delivered to the addressee and hence should not be considered past-due and delinquent. Her response was " We're not a bank and the UCC doesn't apply to us '' and that the card would remain in suspended/'restricted ' status for the next month.
I resent paying 25 % interest for the privilege of being treated like some low form of deadbeat. I further resent being offered " that's our policy ( and there's nothing that you can do about it ) '' as a defense against ignoring long-established law.
I am absolutely certain that the delay in the mails caused by the recent severe winter weather affected more than just our payment. I am also absolutely certain that the card issuer has and continues to ignore the provisions of the UCC and established law in their processing and handling of delayed payments as well as the issuance of late fees, interest, and penalties.
06/17/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
AZ
85027
Web
Comenity called my cell phone & husband 's cell phone on XX/XX/2020, @ XXXX XXXX. asking for a person who is not me. Imperative that I call them back today.
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ).
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX ( same info. as above ).
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ).
Comenity called both phones again on XX/XX/2020 # XXXX XXXX. ( same info. as above ).
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ).
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ).
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ).
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ).
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ).
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ).
As you can see, Comenity Bank calls my phone and my husband 's phone several times a day sometimes. They ask for a XXXX XXXX, XXXX XXXX, or XXXX XXXX, none of which are me. I have sent the Company an email and asked them to CEASE and DESIST with no results. I told them I was going to file a Complaint and if they did not stop calling our phones, I would file a harassment suit against them. Comenity is calling on behalf of VS-XXXX and XXXX XXXX. I used to have a VS XXXX XXXX, but no longer do. I disputed a reporting on my credit report against them, and it was removed. I have never had, nor ever been, inside of a XXXX XXXX, nor had a credit card for them.
This nonsense needs to stop. It is very aggravating and annoying. I have not returned one of their calls and the harassment just keeps getting worse. My husband has never had an account with either of these companies either. Please help keep this company under control from harassing phone calls, especially when I am not the person they are looking for or trying to scam.
Thank you in advance for any help you can provide.
10/02/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
33837
Web
Older American
I have a XXXX Credit Card. I had a non-interest promotion. I was paying more than the Minimum Payment and was not aware that payments would need to call every single payment in and ask them to allocate them to the designated promotion. I speak English and understand it with certain limitations. I prefer to have documentation in XXXX when it comes to terms and conditions. I received an email advising that my Balance and increased due to an expired promotion. When I tried to asked to see if promotion bal. could be allocated to the promotion since payments were being made over the minimum and I was not explained the allocation process. and there is no way to directly allocate payments to promotion online. I was simply told there was nothing they could do because it was expired and I will have to pay the balance. I asked to speak to a manager and the manager told me that terms for allocation process are given to customer when they sign up for the promotion that it was my responsibility to make the payment as agreed, and simply it was my fault for not reading the fine print. My son who works for a credit card company tried to call and advised to them the terms are misleading since on statements it does not advised that when getting closer to the expiration of a promotion notifications are not advised in detail to how to avoid this or explains to a customer the process. I became ill and had to be hospitalized for over 3 months starting back in XXXX of 2019. When I was discharged from the hospital I had called all my credit cards, mortgage, and they were able to removed late fees and int. charges during the period of time I was hospitalized. however this credit card told me that they had already waived 1 late fee in the past 12months and that they were not able to help in anyway they told me that I would be forced to pay the fees and int. and that they would not adj. the minimum payment prior to the time in the hospital. We are now in XXXX and I have a Balance that has increased with fees and int. and an increase to the minimum payment that as a retired senior citizen I am not able to pay.
05/14/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
PA
17057
Web
Servicemember
I opened an account with XXXX XXXX XXXX through XXXX XXXX many years ago. I was trying to build my credit and my minimum was XXXX dollars. I made purchases for this amount and made payments on time except for one time and the payment was a few days late. After this I had them call me all hours of the day multiple times a day. They have called from multiple numbers and different states. I have tried to call XXXX about this many times, I have somehow accrued over 2,000 dollars in debt for a maximum of XXXX dollar credit limit. I have made payments I should not be making and have tried to comply the best way that I could. I did some research and spoke with my bank when recently they took money from me that was unauthorized. I called XXXX first and asked them why the money was taken and they said they do not have a record of this money being taken out so I need to call my bank because it is their issue. I was hung up on towards the end of the call and then called my bank XXXX. My bank was very helpful and put in a dispute to get my money back as well as put a stop payment for them. This is not the first time this has happened with XXXX and the lady at XXXX told me to let the XXXX know about what I have been dealing with. Just today I received a call from XXXX yet again a Colorado number this time claiming that I need to set up a payment to give them the money back that my bank disputed and took back from them. They hreatened that I need to have an attorney call them and I have one last chance before they take further measures. This happens so often and so many times and I am frustrated and worried. I try to do the best I can to pay off my debts and they are relentles. My husband and I both have asked them to stop calling or I have tried to set payment arrangements just to get rid of them but something always happens. I read their reviews and they have a D- by the XXXX and it has raised a concern to me with how they treat their customers rudely, by threatening them and calling them in a harassing manner and taking money that should not be taken. They take advantage of other people.
01/26/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
CA
90065
Web
on XX/XX/XXXX i received an offer from XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. for application to XXXX Credit card, the terms were made over the phone, i just received an email from them where i have to signed. they never disclose all the details about the card, they just told me that i have 2 years without interest. the credit card was in the amount of {$6000.00}, and i only used {$4000.00} ( and never was used ) At the end i never used the money, we got an agreement to get the XXXX, but it was never done from my health condition, so we postpone the date, in the meaning time i was paying every month my credit card, until XX/XX/XXXX, ( when i only owed them {$2000.00} ) where XXXX send me an increase bill on the rates, and all the interest without let me know ( for 2 years, including all the money all ready paid, so my new bill come up {$3700.00} on XX/XX/XXXX ), something that not one explain me when i signed, and XXXX never send me a contract, i just got communication with XXXX XXXX. the only paper i received were the part to signed, no a contract. XXXX never send me a contract and never told me my interest rate. i got in contact with XXXX credit card customer service to resolve the issue, i was trying to pay then the full amount owed by me {$2000.00}, so i explained them that i never got a contract with them and i never received the right information, because it was done through XXXX XXXX XXXX without any contract, only information got from them was 2 years without interest. but it never said that i will have to paid all the interest all ready paid. they dont want to get a resolution for this, and they are trying to force me to pay the full amount until XX/XX/XXXX was {$4100.00} twice that was all ready paid. and more than XXXX XXXX took. they continue harassing me and bothering me telling me that they will send me to collection, and few time i called them to resolve this nightmare and pay them the amount i owed them {$2000.00}, but they wont accept it. and they dont stop calling.
their paper bill size is 6.5x11 and the letters are really smaller that regular paper.
04/12/2021
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
OH
43081
Web
I opened a credit card with the purchase of a couch from XXXX. The servicer for the account is Comenity Bank. I have the original credit card agreement which states " Purchases of {$700.00} or more have a promotional period of 12 months deferred interest ''. My purchase was over that amount and I am within the 12 month deferral period.
On my XXXX statement, Comenity applied interest charges saying that my deferral period had expired. I did not catch the error until I logged on to pay off the balance on XX/XX/21.
I disputed the charges and was denied the dispute because I did not call in within 70 days. I'm unclear about the dispute period since my statement says 60 days and the denial of the dispute says 70 days. They also can not tell me if it's 60 ( or 70 ) days from the day the statement is cut, the statement due date, or some other date. Regardless, if Comenity violates the credit card agreement, there should not be a time period for dispute. By the way, I contacted them 64 days after the payment was due on the applied charges. When I called in to question the decision to deny my dispute, I was told that XXXX is responsible for 'entering in the promotional period ' and there was no way to further dispute the almost {$500.00} of interest applied to my account. Comenity is saying, although I have the original service agreement that states the promotional period is 12 months that since XXXX incorrectly entered it as 6 months that they can not waive the fees. I have called now 3 times. It was not until I pushed for a supervisor that I was told they DID make an error and that they were waiving the interest on my account.
As a consumer I expect the credit card company to honor the terms of the credit card agreement. I do not expect to have to call 3 times, file a dispute and escalate to a supervisor for them to honor the agreement. How many consumers are denied fees and interest that are charged in violation of the credit card agreement?
I have since cancelled the 3 accounts I have that are serviced by Comenity and will not open any accounts serviced by them in the future.
03/27/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NY
11724
Web
I have a BJ Perks Mastercard. It's a XXXX 's XXXX XXXX branded card that's issued by Comenity Bank. I have excellent credit and always pay my bills in full. Occasionally, I get busy and forget to pay the bill on time. It is rare that I pay late, but if I do it's usually no more than an hour or two late. Unlike most credit cards, Comenity Bank has a hard cut-off of XXXX XXXX XXXX. My complaint is about the late fees and interest that Comenity Bank charges for paying late. It is excessive and usurious. XXXX Comenity Bank charges a late fee of " up to {$40.00} '' for being late. Second, it charges interest at a high interest rate of 15 %. This is piling on. The interest charge, which is already 15 or more times the going rate of interest, is supposed to cover the cost of being late, but goes further in penalizing someone for being late XXXX Comenity Bank will charge the interest even if you're one minute late ; and to be fair, all credit card companies charge unreasonably high rates of interest ). Why then is a late fee added on top of it? And why does the late fee vary? I have no problem paying something for being late. If you're late, you're late. I do have a problem, however, with excessive and double charging. One month, I was a few minutes late and was charged interest plus a late fee of {$35.00} XXXX which was exactly equal to the balance due on the account of {$35.00} XXXX. I raised a stink about this and Comenity Bank reversed the fees because of my excellent payment history. Last month, the payment slipped by mind and I wound up paying two days late. The balance due was {$17.00} XXXX this was the entire balance ; I never pay the minimum, I always pay in full ). I was charged a late fee of {$17.00} plus {$2.00} of interest. I was charged 112 % of the balance due as a late fee. By any definition, that is excessive and usurious. My attempts to get someone atComenity Bank to understandwhat it's doing is unfair and unethicalhave fallen on deaf ears. Comenity Bank and othercredit card companiesshould not be allowed to charge such excessive amounts. It's just plain wrong.
03/20/2021
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
WA
98027
Web
Avenue, XXXX, XXXX XXXX Wayfair Comenity accounts were all reported late to credit bureaus while enrolled in Comenity 's hardship program beginning XX/XX/XXXX. I enrolled in their program because of financial hardship due to a family death & lay off. Prior to this all payments were made onetime across all 4 Comenity accounts.
My account was enrolled through XX/XX/XXXX, & autopay changed to new due dates on the XXXX & XXXX.
In XX/XX/XXXX I received a message my account ( s ) was past due. When I called, I learned since completing the program, my due date ( s ) reverted back to the original due dates & Auto pay canceled.
I contacted customer service on numerous occasions & was hung up on from representatives, & blind transferred back to their automated system without warning. I escalated to a supervisor ( XXXX ) & learned that I would need to reenroll each account in Autopay, and the XXXX & XXXX dates weren't permanent due date. I was also advised my account ( s ) were reported late despite auto pay on the new due dates payment. While the payments were received on time during the Program, their system reflected the full minimum payment & not the reduced amount under the program. I was told to dispute the late pays.
When my credit bureau disputes came back verified/unchanged, I called to request correction & confirm if any payment history had been corrected.
I was advised that their systems will not show account details from the hardship program in XXXX & would need to send an email to update each of the account ( s ). In addition to all 4 of my accounts reporting late for multiple months despite receiving written communication from Comenity that I successfully completed the program by making all payments on time, my credit limits were all reduced, & 1 account closed.
I am in the process of buying my first home, & Comenity has ruined my payment history. Automated & electronic messages assuring commitment to help their cardholders during the pandemic & have been unable to resolve my request with representatives by phone, email, letters, & credit bureau disputes.
01/31/2019
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
IN
46385
Web
On XX/XX/XXXX XXXX XXXX made phone calls to individuals not associated with my credit account. XXXX had called my phone number for which they had permission on Thursday XX/XX/XXXX. The person that left the message identified themselves as Specialist XXXX ( could not clearly hear name after specialist ). In the message they threatened to escalate to the next step. Unsure of what their intentions were at this point I considered reaching out to an attorney but could not afford to at this time. Then on the morning of XX/XX/XXXX XXXX called several people ( they identified 5 phone numbers when I called them back ) and informed them that they were a debt collector for XXXX XXXX and they needed to speak with me immediately. When my mother-in-law asked how they had her number, XXXX XXXX informed my mother-in-law that I had used her as a reference when I got the account and that is why they were contacting her. I originally opened this account with XXXX XXXX who transferred the account to XXXX. The account was open for many years before I even met my wife so their statement that my mother in law was a reference is just not true. This damaged the relationship with my in laws because they now believe I used them to obtain credit without their approval. My mother in law called my wife immediately to inform her of the call. While on the phone my wife received a call from XXXX as well. They informed her that they were XXXX XXXX looking for me to collect on a debt. Immediately afterwards, I called XXXX and settled and closed the account. During my conversation I asked why they had contacted other people regarding this debt, they stated that they were listed references on the account. I asked what numbers they had listed, while they would not give me full numbers or any details as to who they contacted and when, they did give me the final 4 digits of each number they had. Four of the five sets of digits they gave me I never provided and only 2 of the 5 sets I was familiar with. I asked XXXX to remove those numbers from the account and informed them that I would be filing a complaint.
03/22/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
CO
80233
Web
I have had this acxount with XXXX XXXX for a while. I went to financial difficulties and became homeless.in XX/XX/XXXX i contacted the bank to help me with XXXX XXXX, XXXX, zales/XXXX and XXXX. I was told that i qualified for the hardship program. The young lady even went to the extent of pre programming my payments for all 4 acxounts to ensure i was complying with the rukes and to also, ensure my decotiin to fixing my credit and in becoming an active meber with XXXX XXXX. My XXXX account was sold off to XXXX and it was NOT enrolled in the hardahip program as it was suppposed to. I asked for documentation in XX/XX/XXXX, when the rep XXXX i spoke to, told me it was a miatake on the banks end. It showed i did everything right, and the mistake was that none of my accounts were added to the hardship program. The form was not dilled out by the rep back in XX/XX/XXXX. He stated he was emailing his supervisor amd was also including that i wanted a call back. My XXXX/zales account was charhed off during the time it also, should of been protected by the hardship program, which this acxount was also missed ... The only two accounts that i finished and successfully paid everything are current and upto date. XXXXXXXX amd zales were both charhed off, when they werent suppose to..and also, i have spent all of XXXX trying to rectify and speak to a manager or supervisor about the error and no one cares to fix it. I am beung to told to call the third party company trying to collect on a debt they should of. Never had and on debts that i tried saving. The error also falls on the bank becuse tbey refuse to give me the paperwork or prood my accounts were under the hardship program. XXXX XXXX was willing to help me and now, the acxount got so out of hand that it also charged off. Please help me. I am being hung up on, ignored and my credit is getting worse. I called in XX/XX/XXXX and that day alone i spoke to XXXX in hardship, XXXX in assist department, XXXX, XXXX, XXXX and XXXX all hung up on me..me trying to get ahold of a hardship supervisor..
My address is XXXX XXXX XXXX, XXXX XXXX
02/10/2019
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
FL
33408
Web
Older American
I bought furniture at XXXX XXXX. They delivered it with big damaged imperfections. They took it back, and sent me more unacceptable products. The dielivery men gave me a hard time. The customer service people said the second set of imperfections were part of the design, which was preposterous. I decided to return everything. I had paid for everything. I talked to their billing people, who agreed I had paid for everything, and that I had overpaid by {$55.00}. Then XXXX XXXX reversed their position, said I still owed them XXXX. I did not, so I cancelled/reversed the payment through my credit union. XXXX XXXX then illegally billed the XXXX XXXX credit card, which XXXX XXXX requested I open when I was initially going through the confusing procedure of trying to pay them, at the store when I finalized the purchase. I now believe they do this to make sure they have a way to get their money back from people who have disputes and problems. They have now illegally billed me XXXX in late fees on top of a {$55.00} charge that I did not owe them. I have tried negotiating with them, put the bills into dispute three or four times, and they keep coming back with a denied dispute.
I have provided them with names of people I have talked to, what those people said, yet I continue to be ignored. When I tell them the names of the employees who gave verbal agreement over the phone, by several of their employees that I do not owe them the {$55.00}, this too has been denied. I offered to pay the {$55.00}, they refused. I offered to return the picture that they say I have not paid for. They refused. I asked for copies of all notes and correspondence, they say they do not have access to my records any more. I am not sending copies of all correspondence, as there is too much. No one at their company verifies any thing they told me, and they just keep adding more and more late fees. I do not know if they reported me to the credit bureaus yet, but my score has gone down. I am a senior citizen, and do not appreciate them taking advantage of the fact that they are abusing me via credit card fraud.
07/09/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
NY
10305
Web
Never received an investigation report as required by FCRA. Never received copies of the testimony submitted to three credit bureaus as required by Metro-2 and E-Oscar.
I requested investigation of my account directly with a furnisher and CRA .Both failed to maintain reasonable and prescribed procedures.
Please see attached correspondence.
Direct Disputes Rule : XXXX. The dispute provision in 623 ( b ) discussed above only requires furnishers to investigate a consumer dispute that is filed with a CRA, which, in turn, would forward the dispute to the furnisher to investigate. When Congress passed the FACT Act in 2003, it allowed consumers to also file disputes directly with the furnisher.35 Under the regulations implementing this provision, when a consumer files a direct dispute, a furnisher is required to investigate if the dispute relates to any of the following issues : ( 1 ) the consumer 's liability for a credit account or other debt with the furnisher ; ( 2 ) the terms of a credit account or other debt with the furnisher ; ( 3 ) the consumer 's performance or other conduct concerning an account or other relationship with the furnisher ; or ( 4 ) any other information contained in a consumer report for an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
If the furnisher does not find the dispute frivolous or irrelevant, the furnisher must review all relevant information provided by the consumer in the dispute notice and conduct a reasonable investigation. The furnisher has 30 days from receipt of the dispute notice ( with the possibility for a 15-day extension under certain circumstances ) to complete the investigation and report the results to the consumer.41 If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.
07/22/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
PA
19146
Web
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
07/20/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
LA
70806
Web
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
05/07/2019
Yes
Credit card or prepaid card
General-purpose prepaid card
Problem with a purchase or transfer
Card company isn't resolving a dispute about a purchase or transfer
IL
60611
Web
In XXXX on XX/XX/XXXX I purchased a XXXX XXXX/Original XXXX purse with a light blue prairie lining online for {$130.00}. I used my XXXX Mastercard for the purchase. The receipt confirmed the purchase of this purse. Months went by and nothing arrived. Then I received a cheap red plastic tote from a company in XXXX. The merchant admitted fault for both the delay and sending the wrong purse. The purse that I ordered was sent to someone else. The merchant never sent the right purse and did not issue a refund. I e-mailed the credit card company by logging into my account and the asked me to send a letter. I sent a letter in mid XX/XX/XXXX but so far there has been no further correspondence or a refund. I am a XXXX XXXX and now traveling in XXXX and XXXX until XXXX so I need to have this resolved so that I have the money refunded for travel.
Here is the disputed transaction : XX/XX/XXXX XXXX XXXX XXXX Charge {$130.00} XX/XX/XXXX FOREIGN TRANSACTION FEE Charge {$3.00} Also, when I called the XXXX card to report fraud, there was a major problem with their phone system and I was repeatedly routed through an advertisement for a {$100.00} shopping card for {$1.00} and never reached a human. Every time I tried to navigate through the system to reach someone I was sent back to this same advertisement that kept repeating.
After 30 min still no human to speak with. There was no way to connect with anyone. The XXXX card site says that its call center is open 24 hours a day. But I called at XXXX in the Midwest and could not reach anyone.
Next, I had no clue that I was purchasing from XXXX and was surprised by the foreign transaction fee. The merchant should have disclosed their location and needs to be held accountable.
Finally, they over-charged me. The purchase was {$110.00} and they billed my card for {$130.00}. They also send a weird e-mail saying that my purchase through XXXX would appear on my card as XXXX. So no aspect of this transaction was transparent -- the vendor even used a fake name.
Here is how the charge also appears : XXXX XXXX XXXX XXXX XXXX Total {$130.00}
04/20/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
AZ
85268
Web
I have had this credit card for several years. The last few months I have been hit with late fees, and unjustly. I have tried to make my payments online, like I usually do, and the website would not let me log in. All of a sudden it is asking me to verify myself, then tells me to request a code by text, and when I do, it never comes, after waiting a while I try again, and still the same scenario. I also tried to make a payment on the phone, but it asks me for the full account number, which I don't have. Then it told me that I couldn't make the payment because a current payment was pending. I then tried to ask for a code via email, and when I entered that, it kicks me out of the system and makes me ask for a new code. This cycle is never ending and I can never make this payment on time. I called last month, and she said she would let the correct department know, and that she would set up an automatic payment for me so I wouldn't have to go through this again, and she said she would remove that fee. Well this month, it happened again, I could not log in, doing the same old vicious cycle, and I asked for help again.This time the excuse was that my email was not " verified '' which is why I could not log in. I told her I have had the same email address for years, I never had a problem before these last few months, and how come I get other emails from them if it wasn't " verified ''. They are just making excuses and resorting to dishonest business practices so they can gouge me out of these excessive and unjust late fees.I have always paid my account on time, all the years I have had this card, as well as all my other cards. As soon as I did a balance transfer after not using this card for a long period of time, it seems like they are being vindictive and punishing me, and making up false reasons why I am being charged these late fees. Furthermore, I was able to make the payment the same day that it was due, but their website forces me to choose a later date, and when I try to make a payment on the phone, it says the the current date.So frustrating and unethical!!!!!
04/28/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
FL
33909
Web
I recently refinanced and in doing so, took out additional cash to pay off my credit cards.
On XX/XX/2021, I mailed out payments to 12 different credit cards, using the mailing address on the statement and including the statement with the payment ( check was from title company ) All of the payments were applied to the various credit cards with the exception of Commenity Bank. I have 4 store credit cards through Commenity and although they all have different billing/mail addresses, they stated the payments must have gotten lost in the mail.
On XX/XX/2021 I was required to make a minimum payment on my BJ 's Mastercard in the amount of {$160.00} ( even though I sent a check paying off the entire balance ). A finance charge of {$110.00} was added to my account on XX/XX/2021.
When the payments were still not received on the 4 store credit cards on XX/XX/2021, the title company cancelled the checks and sent 4 new ones OVERNIGHT. They were sent to a specific address used for overnight payments and sent in 4 different XXXX envelopes. On XX/XX/2021, 2 of the credit cards ( XXXX Florida and XXXX ), the payments were applied. the other 2 cards ( BJ 's Mastercard and XXXX XXXX ) were never applied. Commenity still claiming the checks were not received. All 4 payments were overnighted to the same address so if 2 were applied, the other 2 should have been as they were all received according to XXXX.
On XX/XX/2021 the title company again canceled the checks for BJ 's and XXXX and resent 2 more checks, each paying off the card in it's entirety. They sent the payments OVERNIGHT and they were received on XX/XX/2021 at XXXX XXXX according to XXXX. Commenity is still claiming they haven't received the payments. I am still incurring finance charges and minimum payments on these two cards and I'm at a loss as to what to do at this point. This appears to me to be deceptive practices on the part of the credit card company, especially since the 2 cards they claim to still not have the payments for are the highest balances with the highest finance charges and minimum payments.
02/19/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
AZ
86005
Web
Commenity continues to report account balances and accounts as delinquent after having been provided with an FTC Identity Theft Report. They falsely claimed that this was not sufficient and demanded a police report which was filed and supplied and Commenity 's response was that it was too late because they had sold the debt. This is a violation of consumer law which, hopefully is now being enforced again after the four miserable years of the XXXX XXXX 's dereliction of its duty.
There are, as listed on the attached FTC report which, according to the FTC is all that is needed " When it comes to reporting and recovering from identity theft, were simplifying the process by eliminating the need for a police report in most cases.
How does it work? When you report identity theft using IdentityTheft.gov, youll answer some questions about what happened. IdentityTheft.gov then uses your information to create the tools you need to begin your recovery, including : a personal recovery plan pre-filled letters to send to merchants, banks, and others affected by the identity theft, and an Identity Theft Report, which is your official statement about the crime. '' ( XX/XX/2017 by XXXX XXXX Attorney, Division of Consumer & Business Education, FTC ) Further, Regulation Z Subpart G applies here as Commenity claims they are charging me for property delivered to me that was not : Paragraph 13 ( a ) ( 3 ) 1. Coverage. i. Section 1026.13 ( a ) ( 3 ) covers disputes about goods or services that are not accepted or not delivered * * * as agreed ; for example : A. The appearance on a periodic statement of a purchase, when the consumer refused to take delivery of goods because they did not comply with the contract.
B. Delivery of property or services different from that agreed upon.
C. Delivery of the wrong quantity.
D. Late delivery.
E. Delivery to the wrong location.
ii. Section 1026.13 ( a ) ( 3 ) does not apply to a dispute relating to the quality of property or services that the consumer accepts. Whether acceptance occurred is determined by state or other applicable law.
08/28/2021
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
MO
63033
Web
My account was closed on XX/XX/2019, when according to 15 usc 1602 this is an open end credit plan, and an open end credit plans can't be closed by anyone except the person who originated the credit. I am the original creditor. I sent them documents as they state they have received them. In the documents they received an affidavit, invoice, and cease and desist which can all be found attached. Pursuant to 12 CFR 1102.33 " ( b ) Requirements of Rebuttal ; effect of failure to deny. A Rebuttal filed under this section shall specifically admit, deny or state that the party does not have sufficient information to admit or deny each statement in the Notice of Intention. A statement of lack of information shall have the effect of a denial. Any statement not denied shall be deemed to be admitted. When a party intends to deny only a part or a qualification of a statement, the party shall admit so much of it as is true and shall deny only the remainder. '' In the attached response letter they stated " We are reporting your account accurately. '' This is false due to 15 usc 1666b which states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ... ... '' They have marked my payments as late more than once, which proof can be found on the attached documents. They stated on the document " Were unwilling to reopen your account. '' They don't have the right or power to tell me they aren't reopening my account because they didn't have the right or power to close it according to what was stated above. Which means by them stating and reporting it to my credit file thats a violation of it. They then proceeded to state " Were unwilling to remove the account from your credit report. '' I never gave them written permission to report anything on my credit report. This is in fact a violation as well. They lastly stated, " Weve verified were reporting the account correctly to the credit reporting agencies, as required by law. '' This is also in fact no true because who did they call or interview to " verify ''.
04/11/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
PA
17551
Web
Recently purchased a mattress and were told they had a 3 year 0 % interest payment plan due to the price of the mattress if using the store credit card. Along with the store personnel we calculated what the monthly cost would be over that time period and were told it should be around $ XXXX/month. Never were we told that the payment is based on a percentage of the balance. Received first months statement and the payment was {$130.00}. We attempted to revise this with XXXX XXXX which is the credit card provider for XXXX and they replied back that they were not willing to change the payment amount and that it is 5 % of the balance and each month the payment will be a little less due to the outstanding balance going down. If you calculate this out over the 3 years there would still be an outstanding balance left at the end which would mean that anyone who thought they would pay it off by the end would either have a much larger payment to attempt to make at the end to not incur the fees or if they were unable to do so all interest that was accrued would be charged to the account. We spoke to XXXX customer service and they said since XXXX took over their credit card processing they have had numerous complaints about this company by customers for a variety of reasons. We now are stuck attempting to make a payment that was double what we were expecting and if we were to return the merchandise they removed our old mattress and we would be left with nothing. XXXX is very deceitful in their practices and whatever promotions that are being presented to customers should make sure that the people that offer these promotions understand how the terms of the card work and should not promote lower payments and put customers in this position. XXXX should learn how to properly deal with customers or should not be in business. I have a few credit cards that use the 0 % interest financing for large purchases and have never had any of them try and gouge me for double the monthly payments up front. XXXX XXXX has been wonderful and should replace XXXX as the card provider to XXXX.
11/03/2016
Yes
Credit card
Delinquent account
NY
10028
Web
On XX/XX/XXXX, I received a phone call while in XXXX that my XXXX bill had not been paid. I had attempted to pay this online at the airport, but due to a spotty connection, it did n't go through. Having never missed a credit card payment in my life ( XXXX or otherwise ), I immediately gave them my partner 's XXXX account info ( he gave his permission to Comenity on the phone ), as I did not have my account info on hand. My late fee and payment were immediately marked as credited.
Apparently, on XX/XX/XXXX, without my knowledge, the payment was returned. Comenity made no effort to contact me regarding the returned payment. Evidently, when speaking on the phone, the Comenity representative, who was having a hard time hearing me, missed a " XXXX '' in my account number ( there were XXXX XXXX next to each other ). Despite Comenity 's repeated assurance -- as recorded on the phone call -- that this issue would not be reported to the credit bureaus and as such would not affect my credit score, I noticed my credit score plummet over XXXX points a month later. On XX/XX/XXXX, as soon as I received my statement, I formally filed a dispute with Comenity, who said they would open an investigation to look into the matter. On XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating only that " the Pay by Phone was processed properly '' and that my credit history would not be corrected. Later that day, I spoke on the phone with supervisor XXXX, who told me that unless I seek legal action, I can not receive detailed access to XXXX dispute team 's findings.
Comenity 's misleading communication and lack of transparency appears to be an attempt at closing off avenues of recourse besides costly legal action in order to discourage further pursuit of my case. By refusing to share the recorded phone call or any of their notes from the investigation, it is impossible to confirm the veracity of their findings.
I have never, ever, missed a credit card payment before, and am beside myself that a simple transcription error could jeopardize my credit score for the next 7 years.
02/25/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
PA
17070
Web
Issue involves Comenity Capital Bank ( BJ 's XXXX XXXX card ).
- XX/XX/XXXX bill received, {$120.00} with a payment due date : XXXX XX/XX/XXXX - XXXX XX/XX/XXXX : Paid bill in the amount of {$120.00}, paid it on time and in full.
- Note : I am including a copy of the check ( less my PII ) for your inspection.
- XXXX XX/XX/XXXX : Payment received by Comenity Capital Bank. Not late. However Comenity posted an incorrect amount to my account : {$120.00} ( not the full amount {$120.00} ).
- XX/XX/XXXX bill : Reflected that I did not pay the full amount in XXXX and was being assessed an interest charge of {$2.00}. Payment due date : XXXX XX/XX/XXXX.
- XXXX XX/XX/XXXX : Paid bill in the amount of {$320.00} on time and in full.
- XXXX XX/XX/XXXX payment received by Comenity Capital Bank. Not late. Amount credited to my account was correct : {$320.00}.
- XX/XX/XXXX bill : Reflected that I paid the full amount in XXXX, was not late, but was again being assessed an additional interest charge, this time the additional amount was {$3.00}. Bill was due on XXXX XX/XX/XXXX.
- XXXX XX/XX/XXXX : Paid {$150.00} ( from this bill ) and {$88.00} ( will be on the XXXX bill ) for a total of {$240.00}. Paid on time and in full.
- XXXX XX/XX/XXXX : Called Comenity Capital Bank seeking a resolution to this issue, without success. They could not explain why the XXXX was not taken in XXXX or why I was assessed another interest charge in XXXX. I informed Comenity that I had a copy of the check in the amount of {$120.00}. They were not interested in seeing it. They offered to return the {$3.00}, but not the {$0.00} or the {$2.00}.
How do I get Comenity Capital Bank to : - make me whole for their XXXX mistake, - back out the {$0.00} I attempted to pay them and - reimburse me for all the interest charges ( {$2.00} and {$3.00} )?
How many months are they going to keep assessing additional interest charges for their mistake?
- XXXX XX/XX/XXXX : Called BJs, XXXX, today to see if they could help, I was transferred to Comenity and then the call was then dropped.
Please help.
06/08/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
OH
45342
Web
Today, XX/XX/2020, I went online to the XXXX XXXX XXXX site to make an on-line purchase. I made my clothing selections, then proceeded to make the purchase with my already existing XXXX XXXX card. I placed the order and received a confirmation. Within 2 minutes of placing the order, I received an alert from my credit report monitoring service that an inquiry to my XXXX credit report had been blocked. I have all my credit reports blocked. I researched to see who was making an inquiry as I had not requested any credit cards or any other financial products necessitating a credit report inquiry. I found out that Comenity Bank Capital/XXXX had their inquiry blocked. I did not request a credit card from them nor was I aware of any permissions given to them to access my credit report. I first called XXXX XXXX and asked why my credit report was being accessed. That person had no idea. I then called Comenity Bank as I was afraid of a potential fraudulent attempt to setup credit under my name. Comenity Bank account protection person stated that no application had been processed by them. I then called XXXX XXXX who monitors my credit and told them about this. I was informed that they had received numerous complaints from people about different companies, such as Wayfair and XXXX XXXX and others, who apparently are accessing people 's credit reports and then sending them approval letters stating that their request for credit has been approved. I did not request any credit approval from XXXX XXXX nor from Comenity Bank. I was totally unaware of and did not knowingly give my permission to Comenity Bank or XXXX XXXX to make an inquiry into my credit worthiness. If there is some fine print on their website which is giving this bank permission to request credit information, then this, I believe is an Unfair Business Practice. Luckily my credit reports are locked or I would have been hit with a hard inquiry that I had not requested and had no knowledge of. This practice needs to be looked into and stopped as it can damage people 's credit without them being aware of it.
02/07/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MI
48192
Web
I opened a credit card for The XXXX XXXX XXXX through Comenity in XX/XX/XXXX. The first purchases and payments processed as expected. I typically pay all my bills using by bank 's online bill pay service, and give sufficient time for the payment to be mailed. And I always pay the entire balance.
My next 3 bills were paid in the same way through my bank 's online bill pay. Yet all of the payments posted 1 day after the due date. At first I thought maybe I made a mistake and did not give sufficient time, however my payment in XXXX was sent 2 weeks before the due date. Not a single other payment to another credit card company or utility arrived late that month, or any other month for that matter.
When I called their customer service, they were willing to waive a single late fee, but essentially said that because I did not use the ACH feature on their website, they could not guarantee a mailed payment would arrive on time.
While frustrated, I decided to make the last payment through their ACH feature on their website. I submitted my bank account information on XX/XX/XXXX, for the entire remaining balance. The due date was XX/XX/XXXX.
I also requested that the account be closed, as I will not longer be using this card. I received an email confirmation that the account is closed.
This weekend I received a bill for {$2.00} as a finance charge, which was assessed on XX/XX/XXXX. It is not clear to my why I would be assessed a finance charge when I paid the entire balance and the account is supposed to be closed.
While collecting documents for this complaint, I realized that all payments, except the XX/XX/XXXX payment, were actually completed by ACH, so Comenity should have received the money very quickly. Making their finance charges and late fees very suspicious for fraud.
I am concerned that Comenity is applying late fees and finance charges inappropriately, and that many consumers are paying fees unnecessarily. I also suspect that someone is holding check payments until after the due date, purely to be able to assess late fees and finance charges.
02/06/2020
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
VA
23223
Web
On XX/XX/XXXX I attempted to make a purchase for $ XXXX at XXXX XXXX to which I was a card holder. Hence the word WAS. My XXXX XXXX account was open with a XXXX balance. When I got to the register to pay for my purchase with my {$100.00} open limit to buy to my knowledge, I was declined. Store associate ran my card three times. Each time it came back as declined. I was completed EMBARRASSED AND ANNOYED that my card kept declining because I knew I owed {$0.00}.
I called customer service after using my normal bank card to make my purchase. The customer service representative said that : 1.In XX/XX/XXXX my credit bureau report was pulled and ONE of my accounts had changed ; therefore, XXXX XXXX *XXXX XXXX ) closed my account. She would not disclose which account it was.
2. I asked, " did I owe XXXX XXXX ( XXXX XXXX ) any money? '' I was told NO. My account had a XXXX balance. According to the customer service computer, I had a XXXX balance and an open amount of {$100.00} for purchase.
3. I asked, " who gave XXXX XXXX the right to just on a whim, run my credit report? '' She replied, we can do that! '' I told her XXXX XXXX ( XXXX XXXX ) had NO right to run my credit report. It has caused my credit score to go down further, especially since I did not owe them any money. Nor since my other account that belongs to XXXX XXXX was not past due either.
This is the second time that XXXX XXXX ( XXXX XXXX ) has done this to me and I am tired of it! It is an abuse of my personal information, and these actions will not help me in improving my credit score, if companies like this have the ability and the gaul to just run my credit when they feel like it. I was not notified that my credit report had been run, nor given a professional reason as to why this has occurred.
I have returned the items back to XXXX XXXX and there were quite a few people returning their items this evening also. We can not allow companies to treat consumers such as myself like trash.
XXXX XXXX is showing unfair credit practices against consumers and they should not be allowed to.
02/27/2017
Yes
Credit card
Advertising and marketing
TN
37220
Web
After spending over an hour on the phone with the Customer Care Center and requesting a complaint number and contact information I was hung up on. I contacted this company because they seem to be violating Consumer Protections by false advertising, providing false information, and unknowingly charging customers with finance charges and late fees without ever having sent a statement or bill. They also have no system in place to file or follow up on complaints. I also requested this card be canceled as I have reported the unlawful practices regarding Comenity Bank and this card. I requested a thorough accounting of the issue and resolution in writing immediately, but did not receive it. I was told at the XXXX store that the rewards card was discontinued and that I had to sign up for their new MasterCard due to it having chip security features. I received a new credit card and the old XXXX was shredded. However, charges were made to both cards and a statement was never received from the new MasterCard. I only found out about this account due to 8-10 harassing phone calls per day from a restricted number that would not leave a message. Upon answering after dozens of calls I discovered a bill collector on an account that I had never received a statement from. I was unable to get resolution from them in any way. I had to set up on all new online account to access said statement and saw that there are XXXX identical sites for XXXX different credit cards and companies. It is a deceitful practice meant to confuse consumers and charge them with unlawful charges while having no accountability, complaint system, or way to resolve the issue.
This company is deceiving consumers by stating that the XXXX card is no longer valid and a XXXX MasterCard must be applied for instead. This company should not be able to have identical websites, statements, and other information that the consumer can not tell apart. This company should not be allowed to harass consumers and turn them over to collections without providing statements and within 90 days of opening said account.
01/31/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
SC
29150
Web
My account due date is on the XXXX of each month. On XX/XX/22 I logged into the app to process my payment at XXXX EST. It showed my payment would not process on time since it was after a XXXX EST cutoff. I had no knowledge of this and thinking it was an error, I tried again but ultimately ended up calling customer service. I was told the app was accurate and the cutoff time of XXXX is shown on page 3 of my electronic billing statement. I disconnected without paying to investigate and found no statement in my email account. So, I called into customer service again. The next representative told me my statement showed as sent electronically. I disputed this and explained I keep all my records and nothing was there. I also usually get a payment reminder via email each month and found nothing was sent this time. The representative said they do not send reminders but I have records proving otherwise. I was told there was nothing that could be done about the fees. The representative told me as a courtesy that beginning in XXXX they were changing cutoff times by 1 hour. So now payments must be made by XXXX EST. I have received no notice of this change as a cardholder and according to the company website their cutoff time is XXXX EST. With this in mind, my payment would have been on time and would negated any late fee IF I hadn't gone through 2 representatives before ultimately paying on the app. According to my research, code 1026 states the cutoff times must be clearly identified on the billing statement. This is not the case and no notice was given to educate consumers on a new cutoff time. It is only found in small print on the last page of the statement.
Furthermore the website provides misleading information of cutoff times. I've never been late on this account until now which resulted in a {$30.00} late fee. I was given a one time credit of {$15.00} through the automated system on XX/XX/22 which will be credited within the next 1-2 billing cycles. I feel the creditor is acting in an unethical manner and would like this to be looked into further please.
12/11/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MA
01752
Web
I filed a claim with Ultamate Rewards Mastercard : Comenity Bank on XX/XX/2019 for {$600.00} against XXXX XXXX XXXX for not delivering services as agreed that I had to pay-in-full.
1 ) I could not speak with a Rep in the Claims Dept. I had to speak to the Cust Care Dept who had not one clue as to what was going on as they are NOT the claims department.
2 ) I had to submit ALL my correspondence via the online messaging center and I sent them every piece of proof I had that XXXX was in breach of her written agreement to have made 90-180 posts in which she only did 13 and caused me to miss my book promotion deadline.
3 ) Comenity Reps sent me an email the first time saying they did not have enough information and closed the claim. I had to call them back and speak with a Customer Care Rep who agreed to reopen and had me to resend my emails that I had already sent prior.
4 ) I received another email saying they considered the matter closed as the receipt stated all services are final and there are no refunds. How can that be legal when XXXX did NOT deliver as she promised, as per our agreement when she demanded I pay her in full.
5 ) The claim had to get re-opened as a Supervisor looked into it after another supervisor refused to listen to me and told me it was not their problem and I needed to take it up with XXXX as I paid the charge and that meant I agreed to her terms and I had not proven my case.
6 ) Comenity still agreed with the merchant and reversed the temporary credit saying her services are final and the charge is valid per the terms. What terms? She said she would post 2-4 times per week for 45 days, including promoting my book and graphics in which she did not. The Cust Care Rep would not transfer me to the claims department as he said there is no way to do so. Comenity never even gave me the chance to provide a rebuttal and closed the claim without even granting me the courtesy to clarify anything.
7 ) Not being able to speak with an actual claims representative and the vague email replies are not convenient and very frustrating.
11/02/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
You never received your bill or did not know a payment was due
CO
80249
Web
I called Paypal Credit in XXXX after I got my statement that said my account was closed. They are presently pretending that they do not have that call at all.
I spoke to XXXX and XXXX who is a supervisor.
I asked for a way to pay this via a settlement and time to pay. I was told that they couldnt do it because the account was only 132 days past due as it XXXX XXXX, XXXX even though it was closed.They call it past due because I did not pay ALL of the balance owed. I was making small consistent payments each month.
I have NOT had any other correspondences from Paypal Credit since that last statement in XXXX, I think. Neither by phone, email or snail mail.
They told me back then I could pay on that same day I called them in XXXX and pay 70 % of the balance, and I said to them if I could pay you that much I would not be asking for a plan.
Now I am able to pay them some money, and I see that I have no option to pay I call them. I am told its charged off. Why didnt I have any correspondence from you? They claim that Itold them to call after XXXX XXXX. I am XXXX and If I did say call me after XXXX, they must have converted the time to central which would have been my XXXX and their XXXX. So to make it look like I was I bad, they put down XXXX. I never said they couldnt write or email. I still get email from them offering me a credit card. As recent as this week.
XXXX to whom I spoke this morning, told me he would give me the number to the collection agency that they sent it to after I told him I did not get anything from anyone to say I have a charged off account.
Why would I call a collection agency who had not contacted me? And why would I do that knowing that Paypal Credit has not contacted me in anyway to tell me my account was charged off and that they were sending it to a particular company to collect?
I would like to pay my balance with Paypal Credit. And I would like to have the opportunity to pay using a plan because I asked for it before hand was told it was too soon and immediately after they charged it off and sent it away it seemed.
08/13/2018
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
PA
19006
Web
I applied for an XXXX credit card on their website since we were purchasing kitchen cabinets from XXXX in the near future. I was approved for the account on XX/XX/2018, and received the card a week later. There was a bonus in that if you spent {$500.00} at non-XXXX stores in the first 3 months you get an XXXX {$25.00} gift certificate. So, we were using the card for various purchases and we received the first bill on XX/XX/2018 for {$33.00} which was promptly paid off. We kept using the XXXX visa card for everyday purchases until I was at XXXX supermarket and tried to use the card, and was denied approval. This was embarrassing and thus we used an alternate card for payment. Since I have a credit score as of late XXXX of XXXX and haven't missed any payments in the last 30 years or so I was baffled why the card was denied. I called the XXXX card issuer ( XXXX XXXX ) on XX/XX/2018 to inquire why my card was declined at the point of sale since I thought my credit was impeccable. The rep, XXXX stated the reason why my account was closed as there were " Number of recent credit inquiries on your credit report '' A week later I finally received the closing account notices from XXXX XXXX. What does that mean especially for someone who has a credit score like I did? I also looked at my credit report online and found that there were only 3 recent inquiries and " ALL '' of them from XXXX XXXX. How can Credit Card issuers like XXXX XXXX treat consumers like this? Isn't this anti-competitive in that I now will do business somewhere else and I know that there are credit issuers that will want my business. Who are they trying to protect, themselves from good customers? What is more upsetting to me is that XXXX stated the XXXX XXXX had the right to close the account as well as another XXXX project card due to the fine print that was in the credit card agreement. I read it and I have a college degree and it was hard for me to understand. If I decided to sue the agreement states that I could not sue but that I had to use the arbitration system for all disputes.
04/01/2018
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
FL
33169
Web
i had flex payments with XXXX credit card. i made a payment of $ XXXX {$160.00} in XX/XX/16 and due to the way flex pay is reported i thought i was paying my card in full.so when i was contacted two months later about being behind on payments i explained to them that i paid my account in full. and i dont owe a balance on this account, and that's when i was told i cant just pay off the complete charges unless i called the bank that's providing the credit on their behalf and ask them for a payoff amount. After the explanation i made my past due and current payment. then the next month i get a call that im past due again. i responded that i just paid my past due and the present due payments. They told me how the payments were allocated. then told me im past due and my next payment is due in 2 days so i asked how much the both payments so i can once more be current. i paid the amount that i was instructed that would bring me current. Next thing i know the following month my credit score dropped 30-40 points for the second time because they reported that i was 30 days past due again.so when i reached out to the creditor i was told if i didnt make sure that pay payments were not current its my fault not the customer associate that im getting the information from i disputed to them directly and they refused to help me on this matter. i explained to them that i have a perfect payment history with them and with other creditors. that im working on purchasing a home and my score has dropped over 70pts because of the two confusing times when to my knowledge i didn't owe a payment. i just need to get this off my report 18 months later and its still holding me back. The sad part is that they admitted to me that others have had the same problem with flex pay thinking that they were paid off and because of the way its billed thery were confused. and really still owed money.that alone should of giving me the benefit of the doubt. before that all my payments were on time if not ahead of time. please help or advise me on how to get my record cleared up. thank you
03/15/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
28630
Web
On XX/XX/XXXX, I received a statement from Comenity Bank/XXXX with a late fee of {$23.00} for a purchase of {$21.00} back in XXXX. My payment of {$21.00} was sent to Comenity Bank on time and my card was paid in full! I called and talked with numerous customer services representatives, and explained that I had paid the bill, it was sent on time, gave them the check number, explained that my bank statement was showing the check had been cleared, and looked on my copy of check to insure I had put correct account number on it. This was not enough, they wanted a copy of the check front and back from my bank. So, I called my bank and asked if they could get me a copy of my check. Apparently, someone at Comenity Bank ran it through as a debit and not a check ; therefore, my bank did not have a copy of the check. I tried explaining this to Comentiy. they continue to say I did not send the check. At that point, I wrote them a letter, and sent a copy the part of my bank statement that showed where the payment had been made and cleared. Still not good enough for them. Comentiy Bank sent me another letter implying, I did not put correct number on check, not true! My carbon copy clearly shows correct number, and I have already shared that with a customer service supervisor representative. Currently, I am in the process of sending them a copy of my carbon copy, so they can see I did have the correct account number on my check. I am not sure what else I can do, other than pay 3 times what my item cost me. Once I get this cleared, I will never wall in the doors of XXXX or do business with Comentiy Bank again. Normally, I pay my bill in full, and pay on time. There is only one incident that I did not pay the full amount, I looked at wrong section and only paid minimum amount. I did not dispute interest because it was my fault! The bill was still paid on time, I just had to pay interest on remaining balance. What can I do? I have excellent credit and do not want this bank to ruin my credit. I also do not want to pay over {$60.00} for a {$21.00} purchase.
12/04/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
WI
53405
Web
This is a complaint against or with Comenity Bank and their XXXX Visa Card.
on XX/XX/XXXX I used my XXXX Visa Card ( Comenity Bank ) to pre-order the XXXX XXXX XXXX through the XXXX website.
Subsequently, there continued to put near weekly pre-authorization charges on my card until the item was finally charged to my card/account on XX/XX/XXXX.
The item was then delivered and received on XX/XX/XXXX.
With this, one would expect that any remaining pre-authorization charges would be removed from the account. However, 8 weeks later, my credit card continues to show 4 pending pre-authorizations amounting to over {$2100.00}.
During the timeframe of XX/XX/XXXX through XXXX ( today ) I have reached out to both Comenity bank multiple times ( both Tier 1 and Tier 2 customer service reps ) ; then I also reached out to XXXX customer service who did a technical ticket that verified this was an issue with Comenity Bank 's oversight of the account pre-authorizations.
Thus, on XXXX I wrote a desperate email to the CEO of XXXX requesting help. Then on XXXX XXXX executive offices contacted me and we spent several hours on the phone with Comenity Bank customer service reps, ultimately ending up with Account Supervisor on XXXX. The account supervisor was unable to provide any assistance other than to submit a technical IT Ticket to review the account and order.
This supervisor stated that they have issues or a new policy that pre-authorizations are being held for an additional 120 days after delivery for XXXX pre-order purchases -- except this purchase was for an XXXX XXXX XXXX.
The account supervisor says we can not dispute the pre-authorizations because they are not " posted '' transactions. However, since the money is being held, it's as though I am being charged for the pre-authorizations, but I already received my purchase and item.
Ultimately, the issue is that {$2100.00} of my available credit is being withheld by Comenity for an item and purchase that has already posted to the account and the item was successfully delivered from XXXX
04/13/2020
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Charged fees or interest you didn't expect
IL
60611
Web
Hi there, Around a year ago, i was given a credit card from Wayfair with a year 0 % interest. After making purchases, i was still being charged interest throughout the course of the year.
When i rang up after the first month XXXX XX/XX/2019 ) and asked why i was being charged interest, i was told that i wasn't eligible for the promotion and that instead i was going to be charged a minimal amount of interest every month. I wanted to clarify 100 % that this was in fact the only interest i could expect to receive and i was told repeatedly that it was.
Also at this time, i was asked about whether i'd like paperless statements which i agreed to and that they would be emailed to me.
Today, i realized that i have a charge of around XXXX $ on the account ( close to 50 % interest on the remaining balance ). I rang immediately and asked to refund the interest and i would bring the balance to XXXX then and there. After being switched around 3 different colleagues and being spoken to very unprofessionally, i was told that there was nothing that could be done about the interest charges and that this was 100 % my fault for the following reasons : 1. the call in XX/XX/2019 never existed and no call was placed at this time 2. the information was on my statement, which wasn't emailed to me, but this was something i had to access online.
After looking at the statements which they mentioned on the phone, i see that they exist in an area of the website which is extremely hidden. You have an area called transactions ( where there is no mention of the interest they were about to charge ) you need to click on 2 different areas and then download the statement from there. at the bottom is where you can find their " warning ''. Again, extremely misleading.
I'm extremely upset about this as i feel like i've been incredibly misled when it comes to how the interest works for their program. Everyone should be aware and their 'promotions ' should be assessed.
I just want to clear my account without the 50 % finance charge so that i can clear this amount.
03/04/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
NJ
07728
Web
When retrieving my credit report of XXXX on annualcreditreport.com I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/XXXX. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.
01/02/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
SC
29644
Web
XXXX XXXX XXXX issues three credit cards to me : XXXX Mastercard ( a general use card ), and two store credit cards, XXXX XXXX XXXX and XXXX XXXX.
I earned a rewards secret for accumulated points on the XXXX XXXX XXXX card. The company sent notification that the certificate was mailed on XX/XX/XXXX. I received a mailing, dated XX/XX/XXXX, but it only contained my statement. I contacted XXXX XXXX Customer Service via XXXX XXXX XXXX to ask whether the certificate was mailed separately/ whether I should have concern that it did not arrive with the statement. The company would not respond to my inquiry other than to advise that I wait at least six weeks before contacting them with any questions.
After the required waiting period, I again contacted XXXX XXXX XXXX via the XXXX XXXX XXXX. This time, I was informed that XXXX XXXX would not respond to me unless I contacted them via snail mail. I later filed a complaint with XXXX because XXXX continued with unresponsiveness.
XXXX responded to XXXX of Central Ohio that they would indeed provide the requested information. XXXX closed the complaint but, XXXX again refused to respond to me.
Instead, the bank retaliated against me by closing all of my accounts without notice. They then proceeded to report to the credit bureaus causing damage to my credit rating. They also falsified notes on my account in efforts to justify their illegal actions. XXXX recorded in error that I requested " Cease and Desist, " stating they could no longer contact me.
I never requested a cease and desist. On a recorded call, a XXXX representative confirmed that she had no record of my request. I made requests for available credit to be made available. I made multiple attempts, including the XXXX claim, for contact from XXXX XXXX XXXX. So, it is illogical that the Bank would record notes that I asked them to cease contact.
Further, the reward certificate issue was explicitly related to one store brand account. However ; XXXX closed my XXXX Mastercard and XXXX XXXX as well, without request, consent or notice.
10/19/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
OR
97266
Web
On XX/XX/XXXX I purchased airfare through XXXX for XXXX XXXX using my Comenity credit card - 2 roundtrip flights and I was charged twice each {$830.00} and {$490.00}. On XX/XX/XXXX I had logged onto the XXXX website and noticed that they had cancelled those flights, but had not contacted me ( they never did actually ). On that day I went on live chat with an XXXX rep who confirmed that I was to receive a refund to the credit card I used and sent an email confirmation. After 5 weeks ( around XXXX ) I sent a dispute to my credit card company because I felt that 5+ weeks was sufficient to issue my refund ( I included a copy of the email confirmation ). The credit card company did nothing for several weeks. So after 8 weeks of waiting ( the longest XXXX claimed it could take ) in XXXX I sent another dispute to Comenity including the email again. In XXXX I noticed that they finally issued a provisional credit for all 4 charges. They do not put in the actual dates in their system so I'm not sure when, but by XXXX. When I logged in XX/XX/XXXX I noticed that I had been re-charged all 4 charges again. They never requested additional documentation, but I had already provided evidence that XXXX acknowledges they are to refund me. I then called and was asked if I could once again send a copy of the email confirming I am to be refunded, which I did that day. I also included a follow-up chat where XXXX claimed they tried to issue the refunds on XX/XX/XXXX but encountered some unknown problem ( this was in XXXX ). In the meantime I do not even have the provisional credit on my card and it seems that Comenity is doing nothing to protect me. As of today, XX/XX/XXXX, I'm still getting the same line of we're " working on it '' from XXXX. Comenity isn't protecting me against fraud at all at this point. I've proven repeatedly that I'm due the refund according to the DOT federal regulations. Comenity can't even explain to me why they would charge me again. And now I have a payment due, but I should actually have a credit on my account with these refunds.
09/19/2021
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Delay in processing application
CA
94565
Web
Older American
When I first applied for a Victoria Secret Card I was turned down. Although I saw other people being approved. I finally received my card, after initiating a call to the Service Center, and verifying questions from my Credit Report. This was the first of many issues I have had with the Service Department of Comenity Bank. Recently I requested an additional card for my daughter. Instead, I received a letter from Comenity Bank indicating the process was delayed because they were not able to reach me with the information provided.
I called Comenity Bank, explained the situation, and was told I would be transferred to the Service Department Supervisor ( as I was when the account was first approved ), but instead I was transferred to Fraud Prevention. The Agent answering in Fraud Prevention indicated it was unusual that I would be transferred to Fraud. She indicated my scenario was common and could have ( should have ) been handled by the Service Department Supervisor. She suggested that she transfer me back to the Service Department Supervisor, with a soft hand off, informing the Service Department of their error. I waited 30-45 minutes for someone to pick up. No one ever did.
I tried to sign on to my online account, so that I could write the Service Department. But my password ( although verified and saved ) was not recognized. I went through the formality of changing my password ( to the same password I previously assigned ). I left a detail secured message. I received a rude, unprofessional response from the Service Supervisor, who never addressed the service failures. In my secured message, I requested a call from a Supervisor, and to be sure I recognized the call number, I requested the number from which to expect a call. I have yet, to not only receive a call back, but even a response to my secured message. Today I tried to sign into my online account, and YES. Once again, my password could not be recognized. This is ridiculous. Enough is enough. I hasten to believe that all customers are treated with such disparate treatment.
07/25/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
NY
11201
Web
On XX/XX/XXXX I purchased special order sofa from XXXX XXXX in XXXX XXXX XXXX by opening a XXXX XXXX Credit Card with the choice of interest free for 12 months if purchase is paid within that period of with monthly interest. I chose to pay off account within 12 months interest free. I was informed at the time of purchase the sofa could take up to 10 weeks to make. More importantly when I received my first bill in XX/XX/XXXX which I paid however I noticed that I had been charged interest and called customer service immediately. I indicated the wrong account was opened as this was done via telephone by the design specialist who I was certain requested the 12 month interest free account on my behalf. I was informed the matter would be investigated and it make take a few weeks. Upon receipt of my next bill the issue was rectified to a 12 month interest free account. During XX/XX/XXXX and XX/XX/XXXX I called to check on the progress of the sofa but each representative I spoke to could not locate an order for a sofa! Finally in XX/XX/XXXX after another call to locate my missing order a representative suggested I telephone the store. Which took several calls and emails to learn that the sofa was never started! After escalating the matter to XXXX XXXX who put a rush on the sofa to be delivered by XX/XX/XXXX.
It was my understanding that the I would have 12months to pay off sofa it was my intention to pay off the balance of {$1000.00} in XX/XX/XXXX. However upon receipt of my XX/XX/XXXX bill I was charged {$830.00} interest in XX/XX/XXXX bring the outstanding bill to {$1800.00}. I called customer service and spoke to a representative by the name of XXXX on XX/XX/XXXX who indicated that nothing could be done and the 12 month period starts on the date of purchase. None of the paper bills I received indicated that the interest would be coming due and or that if bill wasn't paid in full in XX/XX/XXXX I would be charged interest. I think the practices employed by XXXX XXXX are unfair and deceptive, additionally designed to mislead the public.
10/25/2020
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt is not yours
CA
94553
Web
Back in late XXXX early XXXX I placed a furniture order with XXXX XXXX. I was notified several times of the products shipping being delayed. I had planned a trip out of the country but unluckily they called the day before my departure to let me know the product was finally ready for delivery. I called XXXX XXXX the same day to notify them that I had planned to leave the country. They advised me to call the delivery warehouse direct. I did so but was not successful getting someone on the line. I proceeded to leave for my trip to XXXX as planned the next day. Unfortunately while I was in XXXX I had learned I was XXXX and immediately had complications. I have been a XXXX sufferer of XXXX most of my life and have never been able to carry. I was put on bed rest due to a XXXX XXXX. I suffered XXXX and XXXX XXXX throughout my entire XXXX you see and did not have the capacity to deal with XXXX XXXX at the time. After I was finally allowed to return back to my country and had recovered physically and emotionally I tried to reach out to XXXX XXXX to explain the situation. I wrote their corporate office as well and did not receive a response. Whomever I did speak to eventually opened a dispute. I guess someone determined store credit was sufficient. I obviously do not feel the same. If XXXX XXXX did not delay their shipping numerous times there would have been no issue. This has been reporting with all the credit bureaus and is keeping me from buying a home. I am not obligated to pay this debt and XXXX XXXX is lacking serious integrity by reporting this with the bureaus. They have not lost anything as I was never delivered the furniture while I suffered a tremendous loss and now I am being held accountable for goods I did not even receive. The debt company is working with me to try and resolve this as even they are sympathetic to my situation. Please help me resolve this once and for all. In order to hold me accountable for this debt they should have to furnish proof of delivery. they can not do that since I did not receive the furniture.
02/25/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CA
90266
Web
On XX/XX/19, I ordered approx. {$2500.00} of furniture from a XXXX XXXX Store in XXXX XXXX. The salesman told me I could save an additional 10 % if I opened a XXXX XXXX credit card, so I did. The card is administered through XXXX XXXX Since then, five weeks have passed and I have received {$120.00} in " rewards. '' I believe {$50.00} of that is a signing bonus. The problem I'm having is with following-up on the remaining {$120.00} in rewards I was promised. Upon logging in to my account on the XXXX XXXX website, there is a reference to " awards '' but the amounts don't match what I received. On tab identifies " bonus rewards '' and a separate tab is for " design rewards. '' In addition, the store has a program called " XXXX XXXX. '' Upon requesting clarification by phone, the XXXX XXXX rep was unable to explain, saying, " we don't have details about all the promotions offered in stores. '' She referred me to XXXX XXXX 's customer service department, which also was not able to provide a full summary of rewards issued and pending. The rep said I could send an email to someone in XXXX XXXX ( no phone #. ) After I explained that an email wasn't going to be sufficient, the XXXX XXXX rep went to the extra effort of getting a XXXX XXXX representative on the line, and it got sorted out.
My complaint is that there is not a consistent channel for information about rewards based on purchases made using a XXXX XXXX credit card. Some rewards are available only for credit card holders, while others are generated through promotions available to any shopper. Recipients get cards in the mail saying " your bonus reward dollars have arrived '' and it is not clear what the amount is based upon. None of the awards appear as cash-back on the credit card, which is what I expected. The 10 % is not a rebate, it's a coupon for future purchases. No one at XXXX XXXXk, XXXX XXXX or XXXX XXXX can provide a complete picture. The impression left behind is that XXXX XXXX cardholders are getting the runaround with confusing promises and messages about rewards.
06/10/2018
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account status incorrect
GA
30314
Web
I have had issues with this company since the card was opened. When I submitted my payment the first time back in XX/XX/XXXX, the company held my payment and then stated that the information for my account was incorrect and came back as insufficient funds and they charged me a fee for the transaction. I submitted the payment again and the same thing happened. I called the company and gave them the same bank information that Id been using and they didnt have any issues processing the payment. I attempted to submit a payment again in XX/XX/XXXX and the same thing occurred. They said that the account information was incorrect and that it came back as insufficient funds and I was charged a late fee. Called the company again and didnt have any issues processing the payment with the same information I was using online. I pulled my credit report to see how things were reporting with this account and saw that they had closed the account. I called to inquire why my account had been closed and was told that it was because of my payments being returned. I was told that after 3 successful payment submissions that the account would be reopened. I called to submit my payment in XX/XX/XXXX and was told by a customer representative to submit it online. The same issue happened. I ended up having to call back. Same thing occurred for XX/XX/XXXXand ended up submitting two payments through a representative. I was informed that because I submitted two payments for both XX/XX/XXXX and XX/XX/XXXX, that my next payment wasnt due until XX/XX/XXXX. I submitted a payment at the beginning of XXXX online. I woke up today to see that the closed account is reading 30 days past due. I am furious about this as this has dropped my score significantly and I am currently in the process of buying a home and will not qualify now. I was specifically told by a customer representative that the next payment was due in XX/XX/XXXX so my credit report should not read 30 days past due. I am prepared to pursue legal action with this company if this situation is not rectified.
11/01/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
GA
30228
Web
Summary of Events Comenity XX/XX/XXXX : I spoke to a Resolution Specialist named XXXX, ID XXXX, regarding my account and the 60 days late payment. I explained that because of COVID my income took a hit when my finance lost his job. I was told that after making my account current the two payments reporting late for the months of XXXX and XXXX would be updated and reflect as current on my credit report. I paid {$120.00} by phone to get my account current. She also suggested that I contact the company 's Credit Reporting department and make them aware of the situation.
XX/XX/XXXX : I wrote a letter to the Comnenity 's credit reporting department letting them know about the situation.
XX/XX/XXXX : Comnenity responded that they will not make any adjustments to my payment history.
XX/XX/XXXX : I sent a formal dispute letter to Comnenity Bank asking them to remove the derogatory comments on my XXXX and XXXX file regarding the two late payments. I also asked them to remove the two late payments showing on my XXXX file. I also included the HERO Act bill that suspends negative credit reporting during the COVID 19 pandemic, explaining to them that they were acting unlawfully by reporting negative information.
XX/XX/XXXX : I sent formal dispute letter to XXXX as well stating the same information in regards to the HERO Act.
XX/XX/XXXX : Comenity updated my XXXX credit report and it now shows that my account status is current. However, this was never the problem. I asked that the two late payments be removed. They are still showing on the credit report and have caused my credit score to drop. They have also caused another bank ( XXXX XXXX XXXX ) to close one of my credit cards which has inadvertently hurt my score.
XX/XX/XXXX : Instead of updating the comment section ONLY to show good standing in payments on my behalf, Comenity updated my XXXX and XXXX credit report to show late payments for the months of XXXX and XXXX. ( Before the month of XXXX and XXXX were blank ). This has not helped my credit it has hurt my score even more.
11/03/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
CO
80906
Web
I had a Lane Bryant card issued by Comenity bank for quite a good amount of time, well due to inactivity they closed the account without notifying me before doing so. I was not aware that an account is closed for inactivity. Well anyway, I applied to have it re-opened resulting in a new inquiry, etc. I was given a card with a lessor balance, and made a minimal purchase to make sure the card had activity, so that the closure did not happen again as I was planning to purchase a new wardrobe for work. I made this purchase on XX/XX/2021 for {$10.00}. I was signed up for the web portal and paperless billing so I fully expected to see an email or statement come that payment was due, but I never received anything via email or via us postal mail, and I completely forgot about the small purchase I had made due to the craziness that was going on with being XXXX XXXX XXXX, and trying to keep income coming in and taking care of my child at the same time. It was 100 % an accident that this payment went late. I pulled my credit for receiving a pre-qualification for buying a home and saw a past due dink on my report from Lane Bryant... I immediately called and rectified the situation, paying the balance in full, and then they removed the late fee 's as they could see that the statements were not received or sent, I can not recall exactly what the representative on the phone said and mailed me a refund check. They explained that the representative could not remove the mark, but that I would need to send a letter and explaining what happened, and that I received a credit and asking to have the mark removed as a one time forgiveness as I had never had an issue making payment with my prior account, and due to the issues at the time. I did that and was denied, but wasn't given a reason other than the notation was accurate. I tried to dispute through the normal means with each of the 3 agencies and received the same result. I feel they are being petty over {$10.00} cents and that they need to also acknowledge that they did not get the bills to me.
03/15/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
CO
80537
Web
XXXX XXXX, XXXX : a credit report was being pulled on the consumer, which notified the consumer of significant drop in their credit due to a 'late-payment ' on a credit card through Commenity Bank XXXX XXXX XXXX.
XXXX XXXX, XXXX : XXXX XXXX was called, and consumer was directed to Commenity Bank XXXX XXXX, XXXX : Commenity Bank was called on the phone several times in an attempt to speak to someone who might help, but no progress was made. Consumer was directed to file a dispute, which would only continue to show up on the consumer 's credit report having a negative impact. The consumer believes they should not be punished for an issue they were unaware of.
Details of the issue : Comenity Bank filed a payment as over 30-days past due to credit reporting agencies, after absolutely zero attempts were made to contact the credit card holder. The credit card holder has made nothing but on-time payments to this agency, and in fact, autopayments were applied to this account to ensure no payments were made late. This credit card was actually paid off in full in the fall of 2020, bringing the account balance to {$0.00}, but when the consumer made a purchase at the end of 2020 his autopayments were not resumed for some reason, therefore leading to this late-payment. Again, to be clear, absolutely no attempt was made to contact the credit card holder about the delinquent payment, leaving the consumer completely unaware of this issue since the consumer believed autopayments were being withdrawn from their bank account ( as this was the preferred setting on this account ). This consumer WAS in midst of making a home purchase, and this negative issue has completely halted this process for said consumer and their family due to the negative impact made to their credit report over a {$75.00} charge. This consumer asks Commenity Bank to please kindly consider removing this negative report made to their credit, as the consumer was never contacted by email, phone, or mail to made aware the issue even existed until the credit report was pulled.
09/04/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
FL
33606
Web
I made a purchase of {$57.00} from XXXX XXXX XXXX at XXXX XXXX XXXX FL on XX/XX/2018. The sales representative always market their credit card when a consumer is making any purchase. I signed up for the credit card and thought there will be an approval notice sent at my mailing address. They asked for my card to make a payment of {$57.00}. Hence, I though that the payment has been made.
In the mean time I have not received any mail, email or phone call and I don't know how an XXXX credit card looks like. However, I received a call from one of the representative in the month of XX/XX/XXXX saying that I have an outstanding amount of {$120.00} on my credit card. They made a credit report for late payment which significantly lowered my credit score. I filed a complain as I believe the terms and conditions and the policy of the credit card was not mentioned to me clearly. It was clearly a miscommunication on their part. In addition, I want an explanation as to why I have not received my XXXX card or any additional information for the card I have signed up.
They did an investigation based on a fraudulent case and as per the investigation they can not make any change to my credit report.
I went to the store to speak with the manager and she explained me that the situation is not in her hand. My point is if you are constantly marketing for a product why are you not taking liability for the miscommunication? It can be human error!
I have not make any late payments in the past and I have made a payment if I knew about it. Why am I held liable for a late payment if I haven't even received the card?
In the last conversation I had with the representative, they told me that the amount of {$57.00} is due for the month of the XX/XX/XXXX but I didn't receive any bill in the mail or email. I had to call them to know the amount due date and the amount due and made the payment on XX/XX/XXXX. The service is awful! All this company cares is people to sign up for their credit card and when it comes to providing service they are simply ignorant.
05/06/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
NC
28504
Web
2 weeks ago I received letter from comenity bank ( XXXX XXXX store card ) asking me to send them copies of my s.s. card, driver 's license, passport ... .. because of suspected fraud. ( I got a new s.s. # last year because my original one Has been issued to 2 people by mistake 20 years ago ... the social security administration exclaimed ) so I am very careful now, I am building my credit again in my XXXX age. I am paying everything on time, doing the right things ... so I called the comenity bank and the man on phone was talking very down to me. ( When i got the store card last year i called the number on the back of the card because I couldn't make an account on line to pay the bill, the nice professional man who picked up was in different country which now putting two flags up ) It's hard to send my identity to this company so I called two days ago again to find out what kind of possible fraud is going on " on my side '' and to close the account because it makes me uncomfortable. This time I spoke to a lady, she asked for the last 4 digits, address, phone number to make sure I'm the card holder but she couldn't give me any answers about the possible fraud. So i asked her to close my account, she put me on hold to speak to her supervisor, then she told me that the account will be automatically closed after 30 days if they didn't receive all my copies.
I am very worried that their action will mess my credit because I have XXXX balance with them but on my credit report its showing I'm using 30 % of the limit.
It's really stressing me out that they can destroy my credit. If I would at least not paying on time but I do. I am worried that they tried to steal my identity because they see I was doing good ... .but because I am not letting them to have all my copies they will just destroy me.
It's scary to open store card and end up with some unknown bank from overseas instead. They want to keep a secret about fraud on my account, with my name, my s.s #, they dont want to share with me fraud about me, they are not legit to me.
02/01/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
FL
34434
Web
Due to working away from home and also moving to a new home, I do not have all of the exact dates and documentation. I also thought the matter had been resolved.
When I went to the register to purchase my items at XXXX XXXX sometime XX/XX/XXXX, the cashier asked if I would like to earn points for future purchases. She explained the promotion, however, never mentioned that I was applying for a credit card. I entered some information on the XXXX XXXX and also presented my XXXX XXXX XXXX. When I walked out of the store I thought the purchase was charged to my XXXX XXXX XXXX.
When I went to the next store to pay for my items, I could not find my XXXX XXXX XXXX While looking for my card, I found the receipt from XXXX and then noticed the recent purchase was not charged to my XXXX XXXX XXXX. I immediately went back to XXXX and asked them to return my XXXX XXXX XXXX ( which they did ). I also asked them to remove the recent transaction from their card and add it to my XXXX XXXX XXXX. XXXX refused to do it. I then called XXXX ( credit card company ) to cancel the card and they said they could not do it.
When I returned home from work in XX/XX/XXXX, I received a bill from XXXX/XXXX. I called XXXX to pay the bill with my XXXX XXXX XXXX. They refused to accept it, and said I must send them a check ( which I did-see attached ). They said they would waiver the late fee after I explained the events that occurred at XXXX and that I was out of town. However, further statements came with some fees that did not make sense. I NEVER made any new purchase and I asked them to CANCEL the card several times in the past 2 years.
I made numerous calls to XXXX and was always assured a XXXX balance each time. Because of my physical move, the only documented conversation I have with XXXX is with XXXX, Confirmation # XXXX,XX/XX/XXXX. The XX/XX/XXXX balance was {$55.00} ( see attachment ). The latest XX/XX/XXXX bill balance is {$17.00}. No new purchases have been made. They removed portion of the fee???
This has hurt my EXCELLENT credit rating.
07/21/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
LA
70435
Web
Older American
XX/XX/XXXX bill XXXX XXXX Comenity Bank Charge {$19.00} Do not receive paper statements. I opened a XXXX account several months prior to receiving this bill and at that time I cut my XXXX XXXX credit card in half and mailed it to Comenity Bank requesting my account be closed. Apparently, this never happened. When I received this bill, I sent an email to Comenity bank explaining that I did not authorize this purchase and in fact had closed my account by returning my credit card to them. A month later I received a letter from them saying that the charge was indeed mine as it was for a recurring rewards program that I needed to cancel or it would continue to be billed each year. Also, they claimed they had not received anything from me requesting my account be closed. I immediately called the bank and requested that they close my account. Next, I contacted XXXX XXXX and they claimed it was for my XXXX membership. They agreed to give me a partial refund. So, I called Comenity back and told them that XXXX XXXX issued a credit. In the meantime, my bill had soared from {$19.00} to {$87.00} and the bank said that XXXX XXXX had issued a credit in-house and not to the bank. I offered to pay the {$19.00} which was the original amount, but they said they can not accept anything but the full amount because they can not negotiate a payment on a closed account. I refused to pay anything more than the original amount since I 'd been trying to get this resolved from the beginning and asked to speak with a supervisor. That request was denied. Since that time, the bank has phoned me 5 times a day between XXXX XXXX and XXXX XXXX. Someone finally told me they could accept {$25.00} to settle this dispute. I made that payment on XXXX/17. The woman lied to me because they are still sending me bills that I can not even log into because I no longer have an account! At the time of this dispute, my credit score of over XXXX existed for over 30 years. Now it is in the mid XXXX XXXX Can you help me settle this dispute and restore my good credit score?
07/04/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
DE
19720
Web
Servicemember
I opened an Ann Taylor store credit card on XX/XX/XXXX. Account number XXXX card was closed on XX/XX/XXXX. I do n't recall closing this account. The total amount charged was {$390.00}. My online bill pay showed that I paid the following amount on the following dates : XX/XX/XXXX - {$50.00} XX/XX/XXXX- {$25.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX. {$100.00} ( see letter dated XX/XX/XXXX stating " BILLER REFUSED PAYMENT. '' Total amount paid {$400.00} ( see supporting online bill pay documents ) I received a phone call early XX/XX/XXXX from Commenity Bank saying that I owed more than {$400.00}. I disputed the charges and agreed with the representative that I would contact my bank and ask them to forward proof to them that I had paid the amount owed. I followed through as promised. I received a letter from XXXX stating that the dispute was closed as the did not receive the documentation requested. I continued receiving bills from XXXX XXXX stating that I owed more than {$600.00} each attempt to resolved the issue, I was told the payments was paid to the wrong account as I had another account with the number ending in XXXX. On XX/XX/XXXX I made a second request for my bank to do another research. I also conducted my own research on that same date and learned that two {$100.00} payments was returned for unknown reason.Commenity bank continue to claim that the reason for this because the payment was paid to my Ann Taylor account ending on XXXX. My only online bill pay clearly shows that the payment was PAID to the disputed account ending # XXXX. ( see accompanying documents. In my many conversation I made it clear that I 'm willing to pay the amounts returned. In my many attempts to resolve this issue, I even contacted an attorney. Two letters was sent on my behalf without a resolution to this situation. As of XX/XX/XXXX XXXX sent me a " last chance '' letter is claiming that I owe {$720.00}. It is simply not fair for me to pay all these late charges due to errors made by XXXX XXXX.
11/20/2017
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
TX
77479
Web
My husband who 's primary language is XXXX purchased our wedding rings from XXXX XXXX. He was told at the time by the sales associate, who was also Russian speaking and went over this info in XXXX so my husband would understand that the rings would be on a special promotion of 0 % interest until the balance was paid, it was important that we buy the rings now - which was literally 4 months before we needed them, but it was such a good deal he decided to go for it.
We have been paying on the rings online like good little troopers until we saw the balance shoot up by {$1200.00}, apparently the promotion we were told about was not true, it expired after some period of time. I asked my husband for the financing agreement, he said he never got one, he just signed a signature box in the store - he took the word of the sales associate.
Both myself and my husband have called XXXX XXXXXXXX on multiple occasions and filed disputes. Every response we get to the dispute does not address the problem - we were lied to about a promotional interest rate. On the third attempt the call center representative event admitted that they get these complaints all the time before she transferred me to the manager.
The manager told me that our complaint was n't ' valid because the printed statement says that there was an expiration date. I reminded the manager that we pay this account on line and rarely open a bill, never less go searching for some inconspicuous notifications about their fake promotions! Furthermore, the problem is that we bought these wedding rings under false pretenses - what can we do now GIVE BACK THE RINGS? In my world that 's called a bait and switch. The manager said he would forward the complaint to their legal department and someone would call me in 3 days - its been a week and I have not back from anyone. I am tired of the merry go around with Zales Outlet and their unsavory business practices. I hope that someone can check in on how they do business, I know we are not the only people dealing with their shenanigans.
04/21/2017
Yes
Credit reporting
Incorrect information on credit report
Account terms
TX
78717
Web
In the summer of XXXX , I was XXXX XXXX XXXX , not financially literate, and applied for a Victoria 's Secret credit card when it was strongly recommended and offered with incentive upon checkout at the store, by the store employee. With multiple visits to the store, and multiple employees vying to receive credit for sales and signups, I ended up with XXXX Victoria Secret c redit cards. I regularly used and still have to this d ay, one of the cards. The other card I was ignorant of until I moved apartments and discovered the second card. That is when I looked online at the amount owed on the card and saw the initial transaction from when I had applied for the card. I felt embarrassed about the error and the fact that I did not know about the second card for all those months. I paid it off immediately and closed the account. I was not advised by any Victoria Secret e mployee or representative at any point ( including account closure ) that my late payment could be understood or acknowledged that it may n ot have been 100 % the fault of a young XXXX XXXX XXXX who never got any paper statements regarding late payments or anything to indicate that it was possible that a company would issue XXXX of the same credit card to her, and that was indeed what had happened. Being made aware of the Consumer Financial Protection Bureau by my XXXX professor, XXXX XXXX XXXX , and having seen partial success in a separate, albeit ongoing case, I would like to bring this issue to light as apparently it is still affecting my credit score . Although it is stated that Late Payments can affect credit scores for up to 36 months, and this issue was reported in XXXX XXXX , somehow it is showing up on my payment history. I believe this violates the terms, not only on the basis of validity, but on the account terms of amount of time passed, as well. Please look into this and help confirm my suspicion that this behavior is wrong and my credit payment history should be updated by the creditor to reflect that.
08/23/2020
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
VA
20109
Web
Servicemember
On XX/XX/2020 I received a letter via XXXX from XXXX XXXX XXXX regarding a Comenity Capital Bank My BJ '' s Perks Mastercard. On Monday, XX/XX/2020 I contacted XXXX XXXX XXXX via landline at XXXX to inquire about the threatening and intimidating letter that was mail to my residence. Upon speaking with a representative from XXXX XXXX XXXX I referenced the statement in the letter that stated " your validation rights as described in our previous letter to you '' I informed XXXX XXXX XXXX that I did not have a contract with them and that I had never heard of them before and nor did I have an other communications from them regarding this matter. I was then put on hold for several minutes only to be told that they had purchased my account from Comenity Capital Bank My BJ 's Perks Mastercard. When I asked for how much they refuse to disclose that information and threatened to sue me if I did not pay them what they were demanding. I continue to ask them for documentation regarding the validity of the debt yet they refused and said they had already sent that information of which I continued telling them that I did not have any correspondence form them. The letter that XXXX XXXX XXXX sent to my residence on XX/XX/2020 was dated XX/XX/2020. The language in the letter was threatening and very intimidating. I don't understand how someone that I have never contracted with nor did business with is able to have my financial information for the sole purpose of extorting monies form me with the threat of suit. These actions sound criminal in nature and should not persist. I do not owe XXXX XXXX XXXX any money as I have never contracted with them and did not do any business what so ever with them. On Wednesday, XX/XX/2020 I received a call from an obscure number and when I answered the phone it was someone form XXXX XXXX XXXX harassing me and demanding payment, when I asked for validation of the claim they hung up the telephone. I should not be subjected to such invasions of privacy in my owe home where I have the right to be secure.
05/08/2018
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Charged fees or interest you didn't expect
OH
44129
Web
Older American, Servicemember
I have had a Pay Pal Line Of Credit account for a number of years, and my account has always been in good standing. I received a notice in the mail that my account is being transferred, and my interest rate is also increasing. My account is currently with XXXX XXXX, and it is being transferred to XXXX XXXX effective XX/XX/XXXX. The notice gave no explanation for the change. It just gives the new terms and conditions, but no reason given as to why my account is being transferred. Yesterday I talked with a rep from Pay Pal Credit, and this is what he told me. Pay Pal is changing banks to make it more fair for everyone by using the Global Market Interest Rate. I said I had my account for a number of years, and in good standing, and you are increasing my interest rate. This is not fair. He said sorry you feel this way about us wanting to make it fair for everyone. What's fair about increasing my interest rate. It's not fair. My current rate is 19.9 % and it is increasing to 25.49 %.
I recently paid off 3 of my accounts that were associated with XXXX XXXX totaling over 9 grand, and I still have 2 accounts to go, but now I am going to have 3. As a matter of fact I filed a complaint with the XXXX against XXXX XXXX in XXXX. After paying off my XXXX account and closing it someone took an unauthorized payment of almost {$200.00} from my checking account. Because of the lame excuse I got from the bank made me believe that someone tried to steal from me, and I reported it. I know I can pay off my balance of {$1500.00} to avoid the higher interest, but I am unable to after paying off the 3 accounts that I just paid off. XXXX XXXX 's interest rates are very high, and when you pay off and close an account they get kind of angry, and act like you can't close your account.
What makes me so angry not so much as transferring my account ( in this case it does because of the bank it is being transferred to ), but because of my interest rate going up. I just feel this is so unfair for those of us who's accounts are in good standing.
12/04/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CO
80127
Web
In XXXX of 2021, I received a bill from Victoria Secret ( commenity bank ) for charges that I did not make and I did not receive. They started an " investigation '' and in XXXX they sent me a letter stating that the charges were going to remain on my account. Whenever I call them, their agents will either hang up or transfer me when I ask for their names. I am trying to refinance my house and I once again disputed the charges. Their " investigation '' that XXXX from the fraud department stated, " was done by the FBI and showed that I received the products and they were not going to remove the charges from my account. '' XXXX also claimed that " the FBI took photos of me wearing the clothes that I was disputing. '' I do not believe that the FBI investigates anything for commenity bank and Victoria 's Secret. They have since reported the account closed but didn't report that the account was paid in full. It shows a balance of XXXX. XXXX stated that because they closed the account, I can not claim fraud and have my money returned to me. The fraud was reported in XXXX and they waited until XXXX to close the account after I had made the payment and their reason was because I reported the transaction as fraud. XXXX then stated that my voice sounded too feminine and so she was flagging my account and wouldn't answer any more questions. She then asked me if I had any other questions that she would refuse to answer. XXXX was laughing and stated that I would just have to live with whatever they decided to do to me and that she could ruin my life if she wanted to. They are refusing to report my account as paid in full and stated that they would report the payment whenever they felt like it and XXXX stated that she was going to report my entire credit history as fraudulent and that I would never get a loan or be able to refinance my home. The money has been taken from my account to pay this bill and XXXX also stated that they could report the charges on the account indefinitely and there was nothing that I could do about it.
06/17/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
OH
45167
Web
I received an invitation to apply for the Comenity Bank PlayStation Visa credit card. I have excellent credit ( XXXX credit score as reported by XXXX ). The application was approved, I received the card. I then activated and used the card for one purchase. Within 2 weeks, before my first payment even being due, I received a message from Comenity Bank stating that my account was closed due to an XXXX report and the " number of inquiries on your credit report ''.
I contacted XXXX and asked about my credit report and the number of inquiries I had on it. They informed me the ONLY inquiry on my credit report in the past 2 years had been the 1 inquiry from Comenity Bank when I applied for the credit card from them.
I then contacted the bank and asked them about this and they said they didn't need a reason to close my account. I then asked why they used the " number of inquiries '' reason in their written e-mail about them closing my account and they just repeated that they did not need a reason to close my account.
So they have hurt my credit standing on two different fronts. One, they did inquire on my credit report, which I know too many inquiries is bad. Then they approved my application only to close it without reason. I'm sure that is not going to reflect well on my credit. Getting a new account that is closed in a matter of weeks of it being open by the credit card company.
I am not sure what their gain is here. Why would they send an invitation for me to apply for their credit card, ask about my credit situation, approve my account, send me the card and let me activate and use it. Then they get a report stating that they did ask about my credit situation and close my account because THEY asked about my credit during the approval process?
What I did notice was multiple posts on their XXXX account with other people saying they are lowering their credit limits and also closing their accounts for no reason and hurting their credit standings also. So why are they purposely trying to ruin people 's credit?
01/16/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
MA
02116
Web
I made approximately $ 30k in purchases at XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I was encouraged by XXXX XXXX XXXX to open a credit card with them so that I could save 15 % -20 % .. I normally do not open store credit cards, but since the discount was so large, and on this size purchase, I did so, and it was clearly something they were promoting. The credit card is through Comenity Bank. I did not receive a statement from Comenity Bank until XX/XX/XXXX. The statement had a finance charge of {$27.00} and an interest charge of {$800.00}. I immediately contacted Comenity Bank. After discussion with 3 individuals with Comenity, they refunded the {$27.00} but refused to refund the {$800.00} saying that there was one statement prior to the one that I received and the interest accumulated since the first statement. However, I never received a prior statement, only the statement on XX/XX/XXXX. I don't know if they mailed me a prior statement, maybe they did or maybe they didn't. Perhaps it was mailed and subject to the USPS delivery issues we are currently having during the pandemic, exasperated by the XXXX holiday. I know I did not receive it. The general manager of XXXX XXXX XXXX escalated the issue with Comenity to refund the {$800.00}, but they would not budge. They have my credit report at Comenity and can clearly see that I pay my balances in full every month and they have my credit score, which is excellent. It is very suspicious for them not to be reasonable about the fact that I did not receive their first statement when it is widely known and on the news that there are widespread USPS mail delivery issues. Also, the first statement was due on XX/XX/XXXX and I called them on XX/XX/XXXX when I received the second statement - a very short period of time, why wouldn't I have paid the bill 10 days earlier if I had received it? It doesn't make sense for them to be so unreasonable. Perhaps they are doing this to make money. It is completely unfair for them to charge me interest for a bill I never received.
01/24/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Delay in processing application
PR
00910
Web
On Friday XX/XX/XXXX, I applied for the West Elm Credit Card ( from Comenity Bank ) at the store located in XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. After more than 30 days later I never received a response from the credit card issuer, clearly violating ECOA.
During the last weeks, I called numerous times to ask for a response regarding the approval or denial of my application ; with no accurate responses awful orientation from Customer Service ( XXXX ). The only information provided was that I was going to receive a letter from the bank with instructions to continue the application process.
After various additional calls, where I had to explain again the situation and the tedious process it has been, I was finally provided with an address to send some documents required to validate my personal information. I sent a copy of my ; Drivers License, Passport, Social Security Card and a bill from XXXX XXXX XXXX to validate my mailing address. Weeks passed by and I never received a response for approval or denial.
On XX/XX/XXXX, I called ( for almost the 10th time ) and representative XXXX Employee number : # XXXX told me that they were not able to see my application information in their systems, even though I have a credit hit in my XXXX report by Comenity Bank for my application ( XX/XX/XXXX ). She also said that my application could have been lost in their offices and my only remedy was to apply again or to send a letter to global support.
After that conversation with the representative I applied again by their website obtaining an instant approval for the credit card. However, now I have 2 inquiries from Comenity Bank in my XXXX XXXX credit report. One from XX/XX/XXXX related to my first application and a second one from XX/XX/XXXX, XXXX related to my second application.
I need help to make the Bank erase the first credit inquiry to my credit report since they were not able to process my 1st application, neither notify me about a denial or approval. I can not have 2 inquiries for the same credit card.
10/02/2018
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
TX
78723
Web
You closed complaint # XXXX in error. I do not think you understood my issue.
XXXX XXXX is not posting credits for items returned. Below is an email response I received on XX/XX/18 from XXXX XXXX regarding my complaint. They have NOT credited me for items I returned in XX/XX/XXXX & XX/XX/XXXX. The list the returns in my account activity history, BUT it does NOT decrease your balance.
From : XXXX XXXXSent : Wednesday, XX/XX/2018 XXXX XXXX ( ET ) To : YouSubject : Re : OtherMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department XXXX
XXXX XXXX XXXX issues your account and responds to all credit related inquiries.
I apologize for the confusion and frustration you have experienced with your XXXX XXXX account. I have taken the time to review your previous messages as well as your account to assist with your inquiry. You are concerned that your balance and available credit are not reflecting accurately due to pending transactions.
After reviewing your account, I see there are 13 returns totaling {$270.00} that are pending transactions. Our records indicate that 7 of the 13 pending transaction will post to the account on XX/XX/2018. of the remaining 6 transactions, 1 will post on XX/XX/2018, and the remaining 5 will post on XX/XX/2018. We are unable to change the posting time as this is indicated by Simply Be. For more information regarding the posting timeframe for these returns, please contact XXXX XXXX at XXXX.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team MIND YOU I AM BEING BILLED FOR INTEREST ON AN INFLATED/INCORRECT BALANCE AND MY MONTHLY BILL IS ALSO BASED ON AN INFLATED/INCORRECT BALANCE. AND AS YOU CAN SEE IN THE EMAIL 7 OF THE UNPOSTED CREDITS WERE SUPPOSED TO POST ON XX/XX/18, THEY HAVE NOT. IF THEY WOULD PROPERLY POST MY CREDIT, THIS ACCOUNT WOULD BE ALMOST PAID OFF!
04/09/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
91750
Web
I purchased two items on XX/XX/XXXX ( order total {$1300.00} ). One of those items was available immediately for shipment and I received it ( {$100.00} ). The other item was not available for immediate shipment but I was charged on the XXXX XXXX XXXX credit card. When I made the purchase I signed up for 6 months of 0 % interest. As the months went by and I still had not received the item I noticed on my credit card statement I was making payments for an item I still had not received and that I was in fact being charged interest on that item. In XXXX I contacted XXXX XXXX to find out when my item would be delivered and they could not give me any answers. They told me it was best to cancel my order and get a refund. So this is exactly what I did. On XX/XX/XXXX I contacted XXXX ( spoke to XXXX ) because I wanted my money back and I also wanted the money back that they had charged interest on as I never received the item and that was not part of the agreement. She opened up a dispute and said it would be resolved within 90 days. I received a letter dated XX/XX/XXXX that said they would resolve the issue within 90 days. 90 days passed and I never received any notification nor my money back. On XX/XX/XXXX I spoke to XXXX and he told me I needed to speak with someone at XXXX XXXX. So that same day I spoke to XXXX at XXXX XXXX and she told me the dispute is with XXXX not XXXX XXXX I called back XXXX and said I needed to speak with a manager. Eventually I spoke to XXXX and she said that on or around XX/XX/XXXX I would hear back from XXXX regarding the results of the dispute and she could issue a check. I never heard back from XXXX. They still have my money. On XX/XX/XXXX I received another letter stating that it would be another 90 days. I believe this is against the law. I don't see how they can keep my money. I'm at the point where I will hire an attorney and take them to court or file through small claims for all of the additional stress this has caused me and not getting my money back that I am rightfully owed.
05/04/2018
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
NJ
08724
Web
Older American
As per telephone advice provided today by XXXX of your Bureau I am attaching two PDF documents which are updates to complaint : XXXX You provided a very narrow definition for my complaint when it should have allowed : all that apply.
The billing and collection practices by XXXX XXXX XXXX XXXX. XXXX XXXX as agent for XXXX XXXX Rewarded Account are beyond what is allowed by law. They skirt Federal Law by not sending anything about the collection dispute via the United States Postal System ( USPS ).
They dun by numerous telephone calls, as many as three even four in one day. They stop short of the XXXX deadline.
They are Robot calls. When on the rare occasion they leave a message on my answering machine it is confined to advising me to call a number regarding the status of my account. I can not at this moment remember if they ever mentioned XXXX XXXX as the account.
My original complaint I believe mentions the numerous phone calls. XXXX advised me rightfully so that CFPB can not address this matter. What I would like is this government agency to work with the Do Not Call registry to tighten up investigation and prosecutions of offenders. I can supply that agency with many offenders.
As to what I want is for your agency which has been spectacular in helping me to advise and ensure that XXXX wipe out all charges incurred on this account.
Further, I want XXXX to notify the four Credit Reporting agencies to restore my credit rating to the high 800s. And for XXXX to prove to you that was done.
Then I you want to ensure XXXX advised XXXX XXXX of the truth of this complaint.
I had written to XXXX that there original claim of investigation was insufficient. This is even worse.
Note : XXXX acknowledges they have the power to erase the original charge of {$16.00} but conveniently admit they are not doing this by advising me the current balance is {$16.00}. The exact price of the shoes I bought. I will never use this XXXX XXXX card or any Store Credit Card.
Close the account as long as it does not
11/15/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
VA
23188
Web
Comenity Bank handles XXXX credit cards, a merchant with whom I have held an account for decades. In early XX/XX/2020 I made two relatively large purchases from XXXX, just as the COVID-19 pandemic was beginning its grip on the US. As a result, XXXX shut down some operations, and I experienced problems in getting guidance from XXXX as how to handle returns, as much of the referenced purchased product was to be returned. Eventually, XXXX provided a return mailing label, and I returned the product ( received by XXXX on XX/XX/XXXX ).
I contacted Comenity by letter dated XX/XX/2020 explaining the situation, and Indicated I would make minimum payments each month until the returns were processed - and asked Comenity not to charge interest fees, as I anticipated the value of the returns to clear any balance. No response was provided.
In XXXX, credits of over {$1500.00} appeared on the XXXX statement. Those credits were not as quite as great as I expected, but XXXX did resolve the discrepancies with me. I contacted Comenity again by letter, on XX/XX/2020, enclosing copies of return-receipts. I pointed out that my initial letter had drawn no response, and renewed my request for interest fees to be waived.
On XX/XX/XXXX, Comenity wrote, claiming they were unable to verify a return, despite the return credits recently issued on the account statement. On the very same date, Comenity sent another letter - suggesting they were investigating my complaint, and suggesting that process might take up to 90 days.
I contacted Comenity by letter dated XX/XX/2020 summarizing Comenitys failure to provide a meaningful response. The Bank responded on XX/XX/2020 - again with two letters, one asking me to call Comenity, the other suggesting they were researching the matter ( and indicating that effort might take up to 90 days ).
Throughout, this process Comenity has provided little or no meaningful response to my inquiries, and charged interest to my account - in XXXX, XXXX, XXXX, and XXXX, totaling in excess of {$200.00}.
02/25/2021
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Struggling to pay your loan
NY
11379
Web
I opened an account with XXXX XXXX XXXXXXXX XXXX back on XX/XX/2020 for {$13000.00} for a medical procedure. I made the first payment which was due on XX/XX/2020 in the amount of {$450.00}. I then called XXXX XXXX XXXX XXXX on XX/XX/2020 to have XXXX 's payment deferred, which was granted by XXXX XXXX XXXX XXXX. I then called XXXX XXXX XXXXXXXX XXXX again on XX/XX/2020 and asked that XXXX 's payment be deferred as well and that was also granted. During this time my hours at work were originally cut and then I wound up on unemployment. That led me to call XXXX XXXX XXXX XXXX once again on XX/XX/2020 and ask that XXXX & XXXX payments be deferred as well, because I needed a little bit of time to get my finances in order. At that time I spoke with a supervisor and she advised me that she would make a note in the system, but that I had to start making payments come XX/XX/2020. I happened to run my credit in the beginning of XX/XX/2020 and I noticed I had four late payments on my credit report which is greatly affecting my credit score! As I stated earlier my hours were originally cut and then I wound up on unemployment and I was trying to juggle whatever money I was getting from unemployment to not only provide for my family but to also make agreements with my other creditors. I have two auto loans, another line of credit with XXXX XXXX and various credit cards and everyone else has been so understanding and accommodating during this difficult time ( COVID pandemic ). Not only do I have a late payment on my credit report for XXXX & XX/XX/2020, I also have a late payment for XXXX & XX/XX/2020 and that is totally incorrect! XXXX 's payment was made on time and XXXX 's payment was made six days late but it clearly states on XXXX XXXX XXXX XXXX website that " members have a 15 day grace period to make payments with no penalties ''. My account is currently up to date and will continue to be for the duration of the loan, I just needed a little bit of time to get my finances in order when money was tight for me.
08/03/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
NY
10468
Web
I have these items that does not belong to me and i want them to be removed from my credit.
XXXX 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft CCB/XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft CCB/XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft CCB/XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft COMENITYBANK/VICTORIA Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX 1. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
02/28/2017
Yes
Money transfers
Domestic (US) money transfer
Fraud or scam
NH
03842
Web
My complaint is against Paypal Credit. I used it as a payment method on a site called XXXX - the site turned out to use paypal as a method to scam people into buying their virtual products ( Video game in game items ). When the product is not delivered and the customer checks to see what happened - the company insists to get a refund you must send them more money by via XXXX. It was clearly a scam - XXXX searches will show evidence of a long history of conducting this same scam and paypal turns a blind eye. I submitted a case and shared compelling and detailed evidence and even implored paypal to pose as a customer and see what the vendor does for themselves. I was supposed to receive a resolution within 3 weeks. 2 Months passed and I had to call them to see what had happened to the case as I wanted this fraudulent vendor blacklisted, more so than wanting my money back as kids would use this site to purchase game items and lose their hard earned money which is much more significant to them than it is to me right now. Paypal ruled in the favor of the vendor based upon the vendor being able to provide them with an Internet IP address which matches an IP address I 've used to log into paypal with. That was all they needed to rule in the vendors favor. To purchase items from that vendor you need to provide your username and password to the video game in order for the items to be delivered. When you log in with the username and password it shows all of the locations the game has been logged in from. This was no evidence of product delivery and it seems to have been well thought out and planned by the XXXX game item scamming company. They seem to know what paypal will look for so they can continue their fraud.
Some links to the vendor 's misconduct : XXXX XXXX XXXX ( Read the video comments ) XXXX XXXX XXXX XXXX XXXX-XXXX You can also XXXX search XXXX fraud or scam and you 'll find many many results. you could also try to use the service and see that you 'll end up in the same situation as the rest of us.
09/20/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
GA
30071
Web
Older American
XX/XX/XXXX I was on a family cruise and at a stop in XXXX XXXX, I stopped into a jewelry store and purchased jewelry. upon checking out, the associate offered me the store credit card with XXXX XXXX, although i was prepared to pay for the purchase with my debit card. when i declined the offer, the associate further explained that the card was being offered as a promotional offer and would not incur interest. Based on that information, i agreed to open the account to pay for the jewelry. I received a welcome letter that also mentioned the special finance offer, with no disclosure regarding deferred interest. i paid on the account monthly and as i was told, interest was not charged. until XX/XX/XXXX, when the balance on my account increased dramatically and i called customer service to understand. i was then told that my account was a deferred interest promotional account and because i had not paid the full balance in 12 months, interest was applied to the account. i explained to customer service that this was the first time i had heard of or been told anything about a deferral period that would expire. the promotional period was not explained in any notices and was not included in the sales associates explanation of the card. The customer service rep directed me to a section of my account statement which read DF INT and she told me that DF INT meant Deffered Interest. there was no explanation or spell out of this abbreviation on the face of my statement or on the back of my statement and neither was it ever explained to me by the sales associate. The terms of the card was not explained to me by the store associate and not included in monthly statements or the welcome letter. knowing the interest was only deferred for 12 months is material information that would have change my decision to open this account or guided timing of my payments. this material information appears to be deceptive and unfair, especially to the elderly population who may not be familiar with these sorts of contingent promotions.
07/31/2019
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was already discharged in bankruptcy and is no longer owed
CA
90034
Web
I have now received 2 calls threatening to serve me papers or take me to court regarding a XXXX/Victoria's Secret credit card that was discharged in bankruptcy over 4 years ago (the original debt would have been about 10+ years old now). The first call came a few days ago from an unknown number where the woman did not identify herself or the company. I suspect the caller was from XXXX XXXX because I did hear a phone number during the transfer and it had a (XXXX) area code. I, however, did not get to write down the number. The woman who called was hostile and told me to "pay my bills" and "not buy things I can't afford" when I told her the call was illegal because the debt had been released in bankruptcy and would have been time-barred anyway. She continued to insult and threaten me with legal action for a few seconds then promptly hung up before I could say anything else. Today, I received another call (from a different area code) about the same debt. The recording identified the company as a "XXXX XXXX XXXX." I believe this company has called me before. The man I spoke with knew my name, birth date, full social security number, etc. He said there was a civil case against me pertaining to this debt. When I told him the same thing that I told the previous caller, he said to "lose my attitude" and that he would "check on the bankruptcy, but I'll see you in court" and then immediately hung up before I could tell him that I was going to report them. Since declaring bankruptcy after a financial hardship, I have established excellent credit and payment history. I do not have any outstanding debts, and I do not have an account with XXXX/Victoria's Secret. I am tired of still receiving harassing calls over a debt that I legally do not owe and haven't for several years now. Additionally, I find it extremely concerning that companies with no valid reason to access personal information such as a social security number can so freely access this information -- it is no wonder that identity theft is so rampant.
01/04/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
NY
10468
Web
In XX/XX/2020, I went to my dentist. One ( 1 ) of the dentist 's billing assistants discussed with me opening a credit account for the dentist to charge for work not covered by my union 's dental insurance benefits. On that day in XXXX, no dental work was performed that was not covered by my union 's dental insurance benefits. I did sign papers in the dentist 's office for future financing. I asked for copies of the forms that I had signed but was told that they were cleaning the office for COVID 19 and would give me a copy after they cleaned the office. I went to my car and called to the dentist 's office for my copies, and was told that they would mail me a copy of the forms that I had signed. I was concerned so the next day I called and I told the assistant that I did not want to go forward with the treatment. Since I never received copies of the finance application in the mail, I assumed that my wishes were followed and not financing was applied for. There was a subsequent appointment scheduled for XX/XX/2020. I cancelled the XX/XX/2020 appointment in XX/XX/2020.
In XX/XX/2020, I received a statement from Comenity Capital Bank ( XXXX XXXX XXXX XXXX ). It appears as if the billing assistant went forward with the application even though I was clear that I did not want the dental treatment that we had discussed which would require financing. I did not authorize a transaction to be charged to this line of credit. On the XX/XX/2020 statement, that I received in the mail from Comenity Capital Bank, was a {$3200.00} charge on XX/XX/2020 by " XXXX XXXX XXXX XXXX XXXX Purchas -XX/XX/XXXX-MA. '' I did not know why " XXXX XXXX XXXX XXXX XXXX Purchas -XXXX-MA '' charged my account {$3200.00}. I called Comenity Capital Bank to complain, and they referred me to XXXX XXXX XXXX XXXX. When I spoke with XXXX XXXX XXXX XXXX, I was told to contact my dentist. In the meantime, Comenity Bank refuses to remove the disputed charge placed against my account by " XXXX XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX-MA. ''
08/24/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
WA
98516
Web
Servicemember
My initial and only purchase on my new Victoria 's Secret Credit Card was made in XXXX of 2016. The total was {$120.00}. I moved following signing up for the credit card, and did not receive a card in the mail prior to traveling across country. I attempted to call Victoria 's Secret ( Comenity Bank ) at that time to make a payment, however, without the credit card number, you are unable to do so. I was charged a late fee & finance charge prior to being contacted in XXXX of 2016 via telephone by Comenity Bank. The associate with whom I spoke indicated that she would waive the late fees and finance charges ( {$32.00} ) if I made a payment at that time ( {$37.00} ), which I did. She assured me that the late fees and finance charges were waived. However, according to records, she only waived one finance charge of {$3.00}. I called Comenity Bank back the same day to try to pay off the remaining balance, however, they indicated they can only process one payment per day. I paid off the remaining balance in on XX/XX/16 ( {$84.00} ).
The total amount I owed VS ( Comenity Bank ) was {$120.00}. I paid off this total in XXXX of 2016. The accumulated charges on my VS Credit Card are made up of late fees and finance charges. The 2 initial late fees & finance charges were supposed to be waived according to a comenity bank representative. She did not follow through w/this. When I reached out to Comenity Bank to resolve this matter, I was confronted with a representative who was not willing to listen or come to a resolution. If someone could take the time to look through my account, they will see that the accumulated charges are not merchandise purchases, but late fees and finance charges that should not have been on the account in the first place. Due to fraudulent and predatory practices, Comenity Bank sold the " debt '' to XXXX XXXX XXXX in a total of {$330.00}. This has negatively impacted my credit, and seems absurd as the complete amount of the merchandise was paid for and is made up entirely of late fees.
09/30/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
IL
61554
Web
Older American, Servicemember
XXXX, XXXX 2019 purchased new furniture at XXXX XXXX XXXX in XXXX Illinois for {$4000.00}.
This was using their credit card through Comenity Bank, It was interest free for 48 months. I signed up for automatic withdrawal with 1st payment due XX/XX/2019. I was making sure 1st payment came out on time by checking my bank account because they said if I was late on any payment I would have to pay the interest. On XX/XX/XXXX no payment had been taken out so I called up Comenity Bank ( XXXX XXXX XXXX number on back of the credit card ) and they told me that the automatic withdrawal wouldn't start till XX/XX/XXXX so I needed to make a payment that day so I wouldn't be late. So over the phone I made the {$140.00} minimum payment. Later that day I had another charge of {$140.00} from Comenity that was pending..thought it was probably a mistake and it would clear out. On XX/XX/XXXX that charge went through so I had made a double payment for the month of XXXX. I called Comenity and they said they were wrong that the automatic withdrawal had gone through for XXXX and they would refund my payment back to my bank I made on the phone which they did on XX/XX/XXXX. I started looking at my statements and noticed I was being charged interest on an agreement that had 48 months interest free, Monday XX/XX/2019 called Comenity Bank and asked why I was being charged interest and they said when they refunded my double payment in XXXX they decided that that was a new charge of {$140.00} and not under the interest free 48 months! Not only are they making me pay back the double payment of {$140.00} at {$5.00} a month but also charging me {$3.00} a month till it's paid!! {$140.00} divided by {$5.00} a month that will take 28 months with {$3.00} interest a month that's {$98.00} interest on a {$140.00} payment that I should have never had to pay as they took 2 payments out in XXXX! I called XXXX XXXX XXXX phone number and they said they had nothing to do with the financing part and I would have to deal with Comenity Bank.
02/05/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
VA
23321
Web
On XX/XX/XXXX I was notified through XXXX that changes had been made to several of my accounts. When I logged into XXXX to view the changes I discovered that three department store credit cards that I had through Comenity Bank , Lane Bryant, XXXX XXXX, and Torrid had been closed unexpectedly. Ive had these cards for 13 years, always paid on time, never late with payments, and saved enough money to pay all three cards off towards the end of XXXX. I havent been using the cards, Ive been making purchases at the stores using cash because I was working on reducing my credit card debt as Im in the process of reducing debt for another home purchase. It brought me to tears to see that my credit score dropped by XXXX points due to Comenity closing all three of my accounts. Despite me being a long time, paying as agreed customer, they chose to close my accounts without warning or notification. I called Comenity and spoke to XXXX who first advised that I should have received a warning that my account was going to close due to inactivity but when he searched the records he didnt see where any letters were sent to me. My email, address, phone number were all correct and up to date. XXXX escalated to a Manager or 2nd voice who advised him that a warning was sent to me then later came back and said that only California residents receive warnings, all other states do not. I requested reactivation but I was advised that couldnt be done, I would have to reapply. So the companys actions of closing my account already resulted in a XXXX pt reduction in my credit score and now they want me to take another hit by applying for new credit- that doesnt make sense to me. I think its unfair and deceptive to take a good customer and penalize them without notice. Had I been notified I would have used the cards to prevent deactivation since they are saying it was closed due to inactivity. The actions of this company should be investigated to ensure they are not targeting specific demographic classes and causing credit harm.
11/23/2019
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
NC
28204
Web
I ended up at this practice, XXXX XXXX, because of its great reviews, but didnt know Id end up with the surgeon who I later found out had all of the bad reviews associated with the practice. They also went out of their way to hide the bad reviews.
XXXX was the credit card suggested by the business. XXXX immediately suspected fraud and wouldnt allow XXXX XXXX or XXXX XXXX to make the charge. I, wanting no problems with the doctor with my care in his hands, sided with the practice and told XXXX that they were trust worthy, vouching for them against XXXX research. I didnt know at the time that the business was actually closed.
XXXX XXXX failed to answer many questions before XXXX and never showed me what was to be done. There was no use of markers on my body or anything pre-op to give me a general idea. Instead, it seems he just went in and made decisions as he went. He seeemed to continue this practice post-op, taking vacations shortly after my XXXX and even appointing someone else to remove my XXXX because he wasnt present.
After a very short amount of time it was clear what he did was clearly a botched XXXX, but dismissed my claims early on and told me to wait 9 months before talk of corrections. He would repeatedly dismiss all of my concerns saying youre young, youre healthy, dont worry. By the time 9 months came, he had been fired from the practice I saw him at.
Im now left with what the practice concludes is a XXXX and a XXXX. I had many complications in my XXXX area, including an XXXX that had found its way through my XXXX muscles. I had no idea and it could have been found early had XXXX XXXX and XXXX XXXX himself followed up with the post operation care I should have gotten. I paid for XXXX and follow up and got a mediocre XXXX with minimal follow up.
I paid the majority of the debt but refuse to pay for the rest. I told XXXX that they were right and paid them the part for the XXXX but didnt pay for the follow ups I never got. They continue to call and sent me to collections.
07/13/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
CA
94605
Web
Older American
On XX/XX/XXXX while cruising on the XXXX XXXX I opened a XXXX XXXX credit account in their Gift Shop and purchased a pair of Green Amethyst earrings for {$590.00}.
On XX/XX/XXXX, while still on the ship, I decided not to charge the earrings and requested the amount of {$590.00} be credited off the XXXX XXXX account and charged to my Norwegian Gem Onboard Account. The transfer was completed and I paid my onboard account with one of my personal credit cards prior to leaving the ship.
In XX/XX/XXXX, I received a statement from XXXX XXXX for a purchased on XX/XX/XXXX. The statement also noted that XXXX XXXX program was ending on XX/XX/XXXX and payments should be made to COMENITY - XXXX.
I called customer service and explained that I did not owe the money. I sent them copies of the original receipt, the credit and the recharge to my onboard account. These documents were submitted to the Dispute Department at Comenity Bank.
I received a letter from Comenity Bank, dated XX/XX/XXXX, stating after careful investigation, they determined that I was not responsible for paying the disputed amount and they were making an adjustment to my account.
The total amount of {$650.00}, which consisted of {$590.00} for the earrings plus interest should have been deducted from my account leaving a zero balance.
To my surprise, when I received the next statement, Comenity Bank had credited the interest accrued from previous statements but instead of crediting the price of the earrings they added them again in error and added interest for the current month making the amount I owe, {$1200.00}.
I called Customer Service to point out the error and was told they would have to open a dispute. I told them I had already gone through the dispute process and they should have all the necessary documents to correct their error.
Comenity Bank will absolutely not look into how the error occurred and continue to harass me with phone calls. I am still getting statements with interest accruing and monthly late fees.
07/23/2021
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Application denied
CA
91978
Web
To whom it may concern : Subject : Credit Card Decline Letter XXXX XXXX XXXX XXXX ) I am writing to dispute the following information that XXXX supplied to Comenity Capital Bank.
I XXXX XXXX applied for XXXX XXXX XXXX/Comenity Capital Bank on XX/XX/2021, as you view the attached letter dated XX/XX/2021 Comenity Capital Bank was unable to continue processing my application until I contact them directly to verify information.
Upon receiving the letter, I contacted Comenity Capital Bank on XX/XX/2021, to the best of my recollection, I was asked the following question : full name, date of birth date, social security number, home address which I provided via phone.
On that note I received a second letter from Comenity Capital Bank dated XX/XX/2021, which states Comenity Capital Bank was unable to approve application for XXXX XXXX XXXX reason : Comenity Capital Bank was unable to verify my identity using ( XXXX XXXX.
On XX/XX/2021, I filed a dispute with XXXX online asking for removal of the hard inquiry XXXX XXXX XXXX Comenity Capital Bank due to inaccurate information being reported via XXXX to Comenity Capital Bank XXXX
Completed dispute ( XXXX XXXX Confirmation Number : ( XXXX ). According to XXXX I would have to contact Comenity Capital Bank to remove the hard inquiry.
After contacting Comenity Capital Bank on XX/XX/2021, to remove the hard inquiry representative stated I failed the security question ( s ) on XX/XX/2021, to the best of my recollection I provided my full name, date of birth, social security number, and home address.
Apparently, XXXX has inaccurate information on my credit report which serves as the basis for obtaining credit card decision, so it is conceivable that inaccurate data led to me being mistakenly declined and I truly believe human error occurred on behalf of Comenity Capital Bank while verifying my identifying via phone on XX/XX/2021.
Sincerely XXXX XXXX Attached : *Verify Identity Letter XXXX Comenity Capital Bank ) *Verify Information Letter
12/01/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CA
95070
Web
My Sony Credit Card account was transferred from XXXX XXXX to Comenity Bank. The transfer was NOT initiated by me. Upon receiving the first ever statement ( attached ) by Comenity Bank for the month of XX/XX/2019, I noticed that I was charged a {$25.00} late fee and {$47.00} of interest. I called Comenity and I was told that I was charged a late fee and an interest because I missed the first balance due of {$1800.00} for the month of XX/XX/2019. Please note that I had an auto-payment setup for years with XXXX XXXX and never missed a single payment. How was I supposed to know how much was due to Comenity in XXXX if the first ever statement Comenity mailed to me was for the month of XXXX? If the balance for the month of XXXX was due to XXXX XXXX, it would have been auto-paid. If the balance for the month of XXXX was due to Comenity, Comenity should have mailed the XXXX statement to me so I could have paid it. But Comenity didn't. Please note that I have a screen print ( attached ) of the Comenity statements available online, which clearly indicates that XX/XX/2019 is the only statement Comenity ever produced for me. In other words, Comenity failed to inform me about my balance due, and then later charged me a late fee and an interest because I did not pay the balance which was unknown to me. Please note that the auto-pay I had with XXXX XXXX was not transferred with the account to Comenity. The whole story could be interpreted as fraudulent if Comenity, in bad faith, deliberately failed to communicate to me and maybe to other customers acquired from XXXX XXXX their balances so they could cash-in interests and fees. Please investigate if I am the only one that incurred in such a problem. Please note that I have and always had an excellent credit score. I am hereby declaring to retain all of my rights to seek legal advice and representation and potentially start a class-action lawsuit in the event that the negligent and possibly fraudulent behavior of Comenity Bank is not taken care of promptly.
08/27/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
GA
30016
Web
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX To : XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX Subject : Returned Item ( Tent ) on XX/XX/XXXX. AFFIDAVIT OF TRUTH I returned the tent that was sent without a canopy, no directions for installation, and the wrong color on XX/XX/XXXX via XXXX delivery. Call tag number XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ; a total of 4 boxes returned to shipper.
Payment for the tent was made through PAYPAL, A dispute was submitted to PAYPAL for the returned item. The dispute included the reason for the return as being the wrong product ( color ) amongst not having instruction, and missing the canopy, and other parts. SEE EXHIBIT A thru F You or your supplier should have received the returns, and verified all the issues in my complaint were accurate, thus rendering a full refund. Thirty ( 30 ) days have passed, and all settlements should have occurred. PayPal has my account remaining in dispute which is depriving me of the purchase amount. I have fulfilled my obligation in returning the items ( s ) to the sender XXXX XXXX. All accounts shall be made current and reflect accurate status of my obligation ; XXXX amount owed to Paypal credit and XXXX amount owed to XXXX XXXX
- {$700.00} USD XX/XX/XXXX XXXX Regards , XXXX XXXX Cc : PAYPAL XXXX XXXX XXXX, MD XXXX ( Paypal has closed there side of the case and charged me the full price for items I do n't have. I Sent the letter below to both the shipper and Paypal with exhibits from XXXX website showing the items were returned. Paypal still will not credit me the purchase amount. I need some intervention. I have tried to respond within Paypal system, but the system always state there was an error one the respond button was selected. I sent the letter via certified mail return receipt. I received the green card back without signature? I am asking for a full investigation into the dispute process of Paypal. I should have received a refund within 30 days, that did n't happen ).
02/22/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Can't close your account
KS
66062
Web
On XX/XX/XXXX, I received a bill in the mail for my deceased mother, XXXX XXXX, from XXXX. My mother died on XX/XX/XXXX. The bill was for {$8.00}. It showed a {$4.00} payment was returned on XX/XX/XXXX. Her checking account was not closed until XX/XX/XXXX and had ample money in it to cover the charge, specifically {$1700.00}. In addition, I tried to phone them on XX/XX/XXXX to advise them she was deceased and to close her account. I called around XXXX and spoke to a person named XXXX XXXX She claimed she was having phone problems and then the call dropped. I tried to call back, received the automated system, but when I asked the system to transfer me to customer service it left me on a dead hold. I hung up and decided to submit the death certificate to the CFPB and a complaint for an explanation of the returned check on XX/XX/XXXX.
XXXX responded to the CFPB that they could not discuss the account with me and stated what documents I needed to submit for the account to be closed. Not only did I send the death certificate to the CFPB, but I also sent it through US mail. On XX/XX/XXXX, I received another statement from XXXX. This time the balance was {$17.00} because a {$8.00} late fee was accessed on XX/XX/XXXX. They had still not closed the account. I called and spoke to an employee named XXXX around XXXX on XX/XX/XXXX. She refused to discuss the account with me, refused to close the account, and stated they would only close it if provided with a death certificate. Clearly, they have one as provided through the US mail and through the CFPB. As you can see, the company responded on the XX/XX/XXXX to the complaint with the CFPB, obviously had access to the death certificate, but still had not closed the account and went further to bill the account with a late fee on XX/XX/XXXX.
So again, I am now filing a complaint with your office. XXXX/XXXX statement along with the complaint submitted to the CFPB and her death certificate. I have also filed a complaint with my state attorney general.
07/14/2019
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
AZ
85382
Web
This is a response to Case XXXX. I did not respond because I was working on getting a lawyer on the case. Nothing about the response said anything. The Comenity Bank response supported that they created 3 accounts on my credit in XX/XX/XXXX and are continuing to collect on fraudulent charges on the ComenityCB/HSN account. They are doing this with harassing emails to my wife who was just using our existing credit to purchase items from HSN. My wife and I have **never** applied for any Comenity Bank credit and I stand by that firmly. I will not pay $ 2000+ for fraudulent charges on a fraudulent account when I know fraud occurred. I know someone was getting into my mail and I have not had any problems with fraud since I changed my mailbox key. I did file a police report. However, Comenity is directly at fault for the fraud. Comenity Bank has not yet showed evidence that I applied for the account but instead dodges the question. XXXX has supported the fraud. According to Comenity, after I disputed the charges end of XXXX with Comenity, they closed the account then opened a **new** account in XX/XX/XXXX. **I never asked for a new account**. Immediately, I closed the account over the phone via their automated system. The account was closed by XXXX and XXXX but was never closed by XXXX. XXXX continued allowing Comenity to report status as if I was paying on it even though I had not paid on the account since we had the dispute end of XXXX. XXXX falsely reported late charges on the account end of XXXX. Since I stopped disputing with XXXX, they finally closed the account middle of XXXX like a slap in the face for trying. This is a case of identity theft, false reporting, intentional harassment, and unenforced consumer protection rights. I am not paying Comenity Bank for fraudulent charges on a fraudulent account. I have reported this to a lawyer. This has affected my credit and my ability to use credit for things I would like to use if for. This has affected my life and the lives of my family.
08/29/2018
Yes
Debt collection
Credit card debt
Communication tactics
Used obscene, profane, or other abusive language
MD
20602
Web
I have received several phone calls about a debt from XXXX XXXX. I am aware of the debt and working to resolve the issue however I am now unemployed due to me being XXXX XXXX for several months and my daughter was also injured in an XXXX and has been in and out of the hospital repeatedly with XXXX. I currently have no income at all and and am not receiving any type of government assistance. I am expecting to return to work in the Fall. On XX/XX/2018 at XXXX I received a threatening phone call from XXXX XXXX from someone name Specialist XXXX from the number XXXX ext XXXX. He has left several rude messages howeve this one today he was rude, threatening to take action, using inappropriate language and yelling into the phone screaming saying I better return the call. I returned the call and ask him for his name after giving him mine. He refused and said give me your address. I said Im not providing anything until you tell me who you are and what debt youre calling about. He starts screaming saying, you called here and you need to provide me with what I asked for. I said you called me and Im returning the call to try and settle this. He started yelling and saying I already know how Im going to rule on this so it doesnt even matter. I said do what you have to do, because if I was trying to corporate I wouldnt have called, so he starts again and threatening me. I hung up on him and called back to speak with a supervisor. This person didnt provide her name and claimed to be a supervisor and said she would review the call and that behavior wasnt appropriate. I said I will be filing several complaints and forwarding that message to the authorities and other platforms to file a complaint. I will handle the debt as soon as possible, however Specialist XXXX is not to contact me ever again on this matter. I have 15 years of XXXX XXXX experience and that message he left on my voicemail and his calls are threatening and harassment and I feel threatened at this point by this company and representative.
10/21/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
CA
91745
Web
I have a XXXX XXXX account through Comenity Bank and was offered a promotional plan and was only told that I had certain amount of months to pay off the balance. I was not told that there would be what they called a " deferred interest '' charge. I have been making payments regularly before my due dates and paid much more than the minimum amounts each month. On the last month, I tried to pay the balance off before the promotional offer expired but I paid {$220.00} instead of {$230.00} as I was not aware that {$230.00} was due before XX/XX/XXXX. I was estimating the total amount to be due on balance was {$220.00} because I've been paying around $ XXXX/month which was way more than the monthly minimum due amount. I underpaid by {$5.00} and was charged {$640.00} in interest on XX/XX/XXXX. I contacted Comenity Bank on XX/XX/XXXX and spoke with one of the Supervisor, XXXX, who informed me that I had to contact the provider and have the provider waive the charges as Comenity Bank is unable to do so. I contacted the provider and the provider helped to call Comenity Bank and was told that there is nothing that the provider could do to resolve this as the interest charge is charged by Comenity Bank. I called Comenity Bank back on XX/XX/XXXX and spoke with another Supervisor, XXXX, who then told me that there is nothing that the provider can do nor can she help reduce, waive, or reverse the interest charges. The interest charge of {$640.00} is ridiculous and unfair as I was not aware that I would be charged interest for the beginning balance accrued over time. I understand I would owe interest or finance charge if I had not been paying or have missed any payments. But I have been paying regularly over the minimum amount and never missed any payment. I miscalculated on the last payment by {$5.00} and was charged {$640.00} of interest? Additionally, not only did Comenity Bank gave me false information, they were unwilling to work out any discount, waiver, or reduction of any kind due to this error.
05/18/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with rewards from credit card
NY
11361
Web
There has been a global COVID 19 pandemic directly affecting those of us who live in XXXX especially after the date of XX/XX/XXXX.
I was directly affected and it was not until the beginning of XX/XX/XXXX that things have calmed down a bit. I had a {$25.00} reward which I had earned from my own spending with the XXXX XXXX Credit Card issued by Comenity Bank. It had an expriration date of XX/XX/XXXX.
I tried to redeem the reward with a large purchase on XX/XX/XXXX. I explained that given the global pandemic and all the stressors that I had not notched the reward was close to expire and quite frankly, shopping had not been a priority during this time of quarantine in XXXX. The representative indicated that there was nothing they could to extend the reward. The supervisor indicated that this was an issue to take up with Comenity Bank who issues the rewards.
Called Comenity/potterybarn on XX/XX/XXXX. Again I indicated that given the pandemic circumstances this reward had not been redeemed and I was asking for an extension to redeem it. The representative indicated she could not do this and neither would her supervisor. I was transferred to a supervisor, who placed me on a long hold and indicated that her supervisors or " 'higher ups '' had not yet given instruction on how rewards would be handled if expired during the COVID 19 pandemic.
I find it insulting that Comenity has not moved on making sure our rewards ( money earned from our spending ) are not extended as a human courtesy during this time. They are essentially pocketing our money. I understand there are parts of this country that are far less affected however I am a NY customer at the epicenter of this pandemic and all customers regardless should be given that acknowledgment. Insurance companies and other banks have moved swiftly to extend courtesies to their clients. I am requesting that the CFPB please intercede to have Comenity do the right thing for their customers during this critical time and extended our earned rewards.
04/28/2021
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
CT
06040
Web
Yesterday XX/XX/XXXX I received a letter stating that my Victoria Secret card ( account ) was closed.
My balance on that account is XXXX because I made all my payments on XXXX. Throughout this whole pandemic I manage to make all my payments.
I called immediately after receiving the letter. The automatic system asked for my four last from my social security number, once I entered it there was an automated message that stated " If you are calling about your account being closed we will not reopen it take care '' and the phone call hang up.
I called again, and this time I did not enter my social security number, I kept saying customer representative, after a while someone came to the phone, this person was extremely rude and told me that probably I did not use my card for more than 12 months ( last time I used my card was on XX/XX/XXXX before having my baby ). I was trying to tell her my side of the story and she right away cut me off and stated if you want to re-open an account is not happening. I told her that I needed to speak to someone else, she put me on hold for about 30 minutes and then the call re-routed to the beginning of the option menu. When I tried to get a customer representative there was silence and no one on the other side.
I hung up and called for the 3rd time. I spoke to another representative. I was able to communicate a little better with her but she told me I should send a letter to the bank.
I am still very discourage about how everything happened, I would understand if I owed them money, but I never missed a payment ( one late payment ) during a pandemic where I lost so many hours from my job, my father got sick with the virus and was in the hospital for six months. I had a baby, and they wanted me to be thinking about buying Victoria Secret items. It just does not make sense to me at all. It has not been a year since I last used my card since that's the statement that they are going for.
Now my credit is going to be affected because of an unfair decision.
11/12/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
10604
Web
On XX/XX/XXXX XXXX/Comenity Bank reported a late payment past due 30 days on my credit report. I had no idea that I even had a balance on the card. I thought I had already paid the balance in full. So for two charges in XXXX totaling {$63.00}, I had to pay late feels totaling {$64.00}. I have had this problem with XXXX XXXX before ( XX/XX/XXXX ) because they do not offer auto pay as all other credits now offer. I've requested auto pay services from them several times to avoid this type of situation and they always say they don't offer it at this time. Comenity actually had to refund me late fees previously because they mistakenly charged me for balances already paid. Once again, I have a negative delinquency on my credit report from XXXX XXXX for an amount that could have easily been paid in full if XXXX actually made the effort to call me and let me know that there was a balance on my account that was past due. They send statements via email as I opted for paperless statements but since I thought I had no balance I didn't look at the statements thinking I was free and clear. Comenity has been quick to charge exhorbitant late fees on top of the 24.99 % APR that they charge on purchases without making the effort to call me and bring this issue to my attention prior to reporting to credit agencies which will impact my credit for years to come for a negligible amount of money that could have been paid in full if they made the effort to call me prior to reporting delinquency. I have had this account open for 13 years since XXXX and the balances have always been paid, even if over time but they have been paid in full. Comenity continues to take advantage of consumers by refusing to institute auto pay, not making effort to call consumers prior to reporting to credit agencies. I will no longer be using my J. Crew card as the only reason I used it was for discounts but TWO marks on my credit history on top of late fees and high APR erases any benefit of discounts when using the credit card.
01/23/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TN
38119
Web
I paid XXXX XXXX in full on XX/XX/XXXX in the amount of {$42.00} ( see attached bank statement ), this is the only credit card I had with Comenity Bank. I received a statement from XXXX XXXX stating that I have late charges. I contacted them several times in XX/XX/XXXXand XX/XX/XXXX I was told they would investigate this and remove the charges. In XX/XX/XXXX and XX/XX/XXXX and as recent as XX/XX/XXXX only to be told that I owe the late charges. This is affecting my credit score greatly. I also noticed that there are other credit cards from Comenity Bank of which I have no knowledge. I contacted them about this as well as disputed them with all three credit bureaus. Only to see that they closed the account with a balance on them with negative impact to my credit report. I I asked for proof that these are my accounts with my signed application, they told me they could not provide such proof because the accounts were opened online. These are the accounts that are on my credit report from Comenity Bank that I did not open.
COMENITYCB/XXXX MC Past Due Amount : {$1200.00} COMENITYBK/XXXX {$170.00} 100 % usage 5 late payments COMENITY BANK/XXXX {$170.00} Paid, closed 2 late payments COMENITYCB/XXXX {$530.00} Paid, closed 3 late payments XXXX XXXX {$1200.00} Paid, closed 1 charge-off There is also an account from XXXX XXXX that I have disputed with XXXX XXXX and the credit bureaus. I was told the Account was opened online and they could not prove it was mine. I explained that I was a victim of identity theft and fraud they told me I owe the bill. There is a fraud alert on my credit reports and I never verified my information with any of these companies. I informed these companies that I have a fraud alert on my credit reports and that I did not authorize these card on my account.
Had I applied for these accounts I would have done them on paper with my signature because of being a victim of identity theft and fraud, I would have also included them in my Chapter XXXX to be discharged.
10/27/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
GA
30016
Web
This complaint is a follow up to complaint XXXX, which was closed without acceptable resolution. The reason for this complaint is to supply new information and proof to support my claim.
I have a XXXX XXXX credit card that was issued by Comenity Bank. I have had this card for over 15 years.I used the card to make purchases at XXXX XXXX, and have not had a problem until this year. The problem I'm having is that my account is not being credited for returned merchandise. Here 's a list of the amounts and dates of the returns : {$14.00} returned XX/XX/XXXX ; {$17.00} returned XX/XX/XXXX ; {$9.00} returned XX/XX/XXXX ; {$24.00} returned XX/XX/XXXX ; {$27.00} Order was cancelled XX/XX/XXXX because item was not in stock - but I was charged for it anyway and no credit was ever given ; {$24.00} returned XX/XX/XXXX ; {$4.00} returned XX/XX/XXXX ; {$4.00} returned XX/XX/XXXX ; {$32.00} returned XX/XX/XXXX ; and two orders of {$26.00} each returned XX/XX/XXXX.
I have attached 3 PDFs that will support the above. Included are screenshots from XXXX XXXX website that verify the items returned, amounts and dates they marked the merchandise as returned. Included are letters from Comenity Bank indicating over 7 times where they are investigating my claim. Comenity even admitted that they made an error and issued two refund checks. I cashed the first one for {$400.00}, only for my bank to inform me three days later that the check was returned unpaid. This resulted in overdraft charges being assessed by my bank. since I live on a fixed income, my husband had to give me money to pay the overdraft and fees. Comenity sent another check, but I did not cash it in fear that they would return it too - which they did some days later.
Comenity also reported to the three credit reporting bureaus that I did not pay my account for three months - that is untrue because I paid the account in full when they billed me - even though I owed them nothing. I paid in good faith expecting them to rectify the situation.
03/04/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
MA
02790
Web
Dear CFPB, I have experienced a pattern of Credit Inquiries from the following corporations. These inquiries are having an adverse effect on my credit score. Is there a legal, logical reason these companies can make multiple inquiries? How do I make them stop? I can not freeze my credit right now and I have submitted a request for a credit report from all three bureaus. I tried very very hard to access XXXX. I do not know whether it is me, my computer, the ISP ( XXXX XXXX ), but it is impossible to contact anyone there. I have included the dates they pull credit. Most are once per month, some are twice!
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Comenity XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX My score was in the 800s a few years ago. Is it because I am XXXX, middle aged, retired or is it in retaliation for political affiliation? This is clearly an all-out attack by special interest and the government. My cell phone has been ported out, my identity stolen in the past and now I am experiencing multiple technical and financial attacks. Last week, my bank account was breached and money was stolen by XXXX. I sent the bank the email headers and they are investigating it. XXXX, XXXX and XXXX have flooded my emails with bugs, viruses, phishing. My ISP and XXXX are manipulating my websites and blocking them saying I have DNS errors. I have documented all of these events dating back to XXXX. Can you help? Can you point me in the right legal direction? I can not stand much more. Thank you, XXXX
01/23/2017
Yes
Credit card
Billing disputes
MO
64029
Web
XXXX XXXX, XXXX I opened a XXXX credit card. On that same day I paid the balance off with cash. Roughly 2-3 months later I started receiving calls from Comenity Bank collections. Returning their call I discovered that I had an outstanding bill regarding the XXXX purchase plus interest and that they had the wrong billing address on file. I told them I had the receipt ( attached ) that showed that I had paid the balance off with cash that day. They told me to submit a copy of the receipt to their billing dispute department. I received a letter XXXX/XXXX/XXXX ( attached ) roughly stating they were investigating the dispute. I then received a billing statement that showed all charges were credited ( attached : billing due date XXXX/XXXX/XXXX ). On XXXX/XXXX/XXXX another letter ( attached ) from Comenity Bank was issued to me stating that, ' '' LOFT has indicated that they were unable to collect the cash for your payment and the payment was void ''. I then received another billing statement ( attached : Due date XXXX/XXXX/XXXX ) showing the charges were placed back on the account. I called Comenity to dispute the charges again. They told me to re-submit my receipt which I did on XXXX/XXXX/XXXX. On XXXX XXXX I received another call from Comenity XXXX. I returned the call that day. I asked to speak to a supervisor and was transferred over. The supervisor stated that they were confused as to why the XXXX was not cooperating with this resolution since I clearly had the receipt proving that I had paid against the account in full, and that she was 'going to take care of this even if she had to take it off herself '. They stated that I had sent everything to them correctly. They asked that I call the XXXX ( Ann Taylor ) corporation to see what they told me regarding this dispute. On XXXX/XXXX/XXXX I called XXXX corporate office and finally received the name of a person that may be able to help. She was not in the office. I received another billing statement today XXXX/XXXX/XXXX ( attached ).
10/04/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
10006
Web
On XX/XX/2018, I tried to make a purchase at XXXX XXXX. At the register, they talked me into opening a credit card and make a purchase using their credit card. I opened and made a purchase with a credit card. I never received a statement from XXXX XXXX. So I did no know when the payment was due. I had an outstanding balance of {$230.00} on XX/XX/18, which is when they charged me a late payment of {$27.00} as well as a finance charge of {$4.00}. I called them on XX/XX/XXXX and made a minimum payment of {$45.00}. They reversed the late payment fee on that day. After that payment and reversal my outstanding balance went down to {$180.00}. On XX/XX/XXXX, they charged me another late payment of {$27.00} and finance charge of XXXX on the outstanding balance of {$180.00}. I paid off the outstanding balance of {$180.00} on XX/XX/18, which left the account with only outstanding amount of XXXX consisting of late payment fee of {$27.00} and finance charge of {$4.00} which had been charged on XX/XX/XXXX. On XX/XX/XXXX I got charged another late payment fee of {$27.00} and finance charge of XXXX. This late payment fee and finance charge was charged on an outstanding balance which consisted of purely finance charge and late payment fee. The total amount of fee charged equaled the outstanding balance. On XX/XX/XXXX, a payment of {$34.00} was made to cover the outstanding late payment fee. On XX/XX/XXXX I was charged another late payment fee of {$27.00}. I made another payment of {$34.00} on XX/XX/2018. I was then charged another late payment fee of {$27.00} on XX/XX/XXXX as well as finance charge of {$2.00}. I would like to ask that XXXX XXXX credit card reverses all of its late payment fees charged since and including that of XX/XX/XXXX. That's a total of 4 late payment fees of {$27.00}. Those late payment fees should not have been assessed as the credit company charges late fees on a balance consisting of purely late payment fee which was only few dollars more that the late fee they charge.
12/16/2020
Yes
Debt collection
I do not know
Written notification about debt
Didn't receive enough information to verify debt
CA
95608
Web
XXXX XXXX I received an email from my XX/XX/XXXX advising that my credit score had gone down 40 pts, I have great credit and stay on top of all bills. I log into my credit account and find out that it was Wayfair. My wayfair account is paid off, I owe them nothing. I call wayfair and found out that someone by mistake credited my account {$3.00} on XX/XX/XXXX on an old order # XXXX from XX/XX/XXXX by mistake. I had no knowledge of this but I paid off my account. On XXXX XXXX, wayfair reversed the {$3.00} credit, leaving me with a balance of {$3.00} that I was never aware of, they never sent me any letters or emails. That balance spiraled to {$45.00} which included 2 late fees and interest fees. I contacted wayfair and in the meantime paid the {$45.00} in order to not further affect my credit but not only do I want a refund, I want them to fix this error, I want a letter to present to the credit bureau as well owning up to their mistake. I spoke to a manager XXXX XXXX on XX/XX/XXXX who claimed to be shocked when she looked at my account and saw what occurred, she emailed me stating to give her a few days to get this resolved. Today is now XX/XX/XXXX and I have not heard back from her, I left several messages on her line and have E-mailed her 4 times, all e-mails going ignored. I called XX/XX/XXXX and spoke to a supervisor XXXX who claimed " we did our part, we credited by mistake but we reversed it ''. Never acknowledging that a credit should have never been placed on my account, the reversal of the credit after my account was paid off has caused late fees and my credit to be dropped. I asked for his manager ( XXXX XXXX, who advised that we had to call Comenity on 3 way to get this resolved. Comenity wanted XXXX off the line, I advised XXXX that Comenity was going to say, it is wayfair that needs to fix the error and of course when XXXX left the phone, the rep XXXX ID # XXXX stated that wayfair needs to fix it. I am getting nowhere with the resolution of a clear WAYFAIR XXXX up.
05/19/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
VA
22314
Web
I have a Mastercard Account issued by Comenity Bank. This Comenity Bank Mastercard is co-branded with Gander Mountain and routinely advertises promotional financing for purchases at Gander Mountain stores. Recently Gander Mountain and Comenity have been advertising a promotion where purchases over {$990.00} would have deferred interest for 12 months, and be interest free if paid in full before the 12 month period expired. This promotional financing rate was prominently advertised by Comenity Bank on my Comenity Bank statements, as well as online and in-store by Gander Mountain I made a major purchase at Gander Mountain on XXXX / XXXX / XXXX for {$1800.00}. I made written contact with Comenity Bank on XXXX / XXXX / XXXX after receiving a statement where the promotional financing rate was not applied to this purchase. Comenity replied that there were investigating the dispute and would not charge me interest in the meantime. I contact Comenity ag ain on XXXX / XXXX / XXXX and received the same response - they were investigating. As of XXXX / XXXX / XXXX I still have not received any response on the status of Comenity 's " investigation, '' however, Comenity has assessed me a finance charge of {$29.00} even though my outstanding balance consists solely of items purchased at this promotional financing rate.
I have had this same issue with Comenity with three prior purchases - where I made a purchase under a qualifying promotional purchase plan, but Comenity still assessed interest. I have received excuses that this was a " mistake by the clerk who entered the purchase, '' or a " billing irregularity. '' Given the frequency this is happening and Comenity Bank 's slow response, I am concerned this may represent a purposefully deceptive business practice where they entice purchasers with advertised promotional financing rates they do not intend to honor. As I have been unable to resolve this issue with Comenity Bank themselves, I am hoping CFPB can assist.
04/16/2017
Yes
Credit card
Credit determination
DC
20010
Web
Comenity Bank refused my application for a XXXX XXXX XXXX XXXX Mastercard account. I requested my credit report to see why. Comenity claims they declined my request because of " Delinquent past/present credit obligation and limited credit experience. '' But the XXXX report they used to make this determination shows that I : a ) Have paid 112 % and 121 % of the monthly payment amount on XXXX of XXXX student loan accounts for the past 74 and 55 months respectively, and paid the remaining account off in full 8 years ahead of schedule, b ) Have never been delinquent on 22 of 22 auto payments to date, and c ) Have never been delinquent or carried a balance on XXXX of XXXX credit cards for 99 of 99 months, 53 of 53 months, 52 of 52 months, and 39 of 39 months respectively.
Comenity also said they declined my request because of the " number of recent inquiries, '' but XXXX shows only XXXX pulls in the past 3 years ; XXXX for the credit application referenced in this complaint, and the remaining XXXX initiated by lenders -- not me.
Finally, Comenity said they declined my request because they were " unable to verify credit [ my ] history, '' but XXXX reflects loans and revolving credit dating back years, all of it paid on time or indeed, early. The XXXX report also shows XXXX loans from " XXXX XXXX '' that were delinquent ; however, I do not recognize them, do not believe they are mine, and have been trying without success to get XXXX to remove them for years. ) I wish to understand why Comenity made claims about my credit history that are not backed up by the XXXX report they used, which shows my history of making payments ahead of schedule for my student loans or paying them off entirely years in advance, and my never having made been delinquent or carrying a balance on any of my credit cards. I feel Comenity first made its decision to decline my application and then attempted to justify it assuming that I would not verify their claims against the credit report they referenced.
12/27/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MS
39553
Web
Older American
I have had this card since XXXX of 2021. And I pay very well on it by the love and will of Jesus Christ and our loving precious father God. I do believe these companies think they can take advantage of older people I am ( XXXX XXXX XXXX ) I have been paying monthly payments on this credit card since XXXX of 2021 and every day up until now this month XX/XX/2021 I have payed my monthly bills. I had no earthly idea that the company wasn't applying my monthly payment 's. Okay my first payment was in ( XXXX of 2021 and I payed XXXX payment for XX/XX/2021 ) then thereafter I have been ( paying from XX/XX/2021 to present XX/XX/2021 XXXX month 5 months I have payed my bill to them faithfully ) then I decided to check the balances over the phone because I would have never! In my life thought my bill was still at a balance of ( XXXX when I only had a spending balance of XXXX I am like what??? I have payed those people 's XXXX on a XXXX store credit card and they have not! Applied my payments toward my balances. I called them and asked them for my statements several times and they refused to send me my statements to my new address from the beginning and they will not sent me my statements I called and called several of them that work for this company plus mangers and all. They are refusing to add my payments I have payed them and they are refusing me my monthly statements from XXXX up until XXXX and they will not give me print outs are where are what they have done with all my payments. It's terrible I have payed these people 's and they not applying all my monthly payments. It's no way I have payed them ( XXXX ) and my bill is still XXXX because they only had given me XXXX store credit. I told them it's illegal fraud and thief they told me boldly and coldly you will not get your statement 's from your payments each month we will not sent them too you cold heartedly and they have not! And never sent me anything about my monthly payment 's not applied and never been applied. Be blessed
07/16/2019
Yes
Debt collection
I do not know
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
RI
02840
Web
Commenity Capital Bank has been harassing me for months now regarding credit card accounts that they allowed others ( NOT ME ) to open using my once high credit score and personal information obtained most likely through one of the several data breaches I have been victimized by. Commenity has repeatedly been asked to provide proof of the debt and to provide information about how the accounts were opened ( or in some cases reopened ) without my authorization.
Commenity has been calling me several times a day now for about five months using abusive and threatening language and refusing to stop calling, refusing to provide proof of debt, refusing to do anything except call me to extort money from me.
Yesterday, XX/XX/2019, at XXXX XXXX they began harassing my relatives. Specifically, " XXXX '' at XXXX Extension XXXX called my sister and her husband, Dr. XXXX XXXX and XXXX XXXX XXXX, to harass them about my " debts. '' My sister will be filing a separate complaint about these actions. She is also contacting her Congressman and the Virginia Attorney General. For my part, I will also be contacting my Congressman and my state attorney general since CFPB seems to be giving Commenity a hall pass on their bad and illegal behavior.
This was clearly an attempt to embarrass me and coerce me into paying them for a debt I do not owe.
Pursuant to the Fair Debt Collection Act, I have asked several times for proof of debt. This has been met with illegally requesting me to incur great cost and time expense in providing police reports, notarized ID copies and pro viding information that I do not have since I did not open the fraudulent accounts, Commenity did. Under the Fair Debt Collection Act they NEED to provide me with the details. " They were opened on line '' is not valid. I did NOT consent to opening " online accounts '' with Commenity. I am not interested in paying 30 % interest for overpriced items from the vendors for whom they provide store cards ( XXXX, XXXX, XXXX XXXX ).
02/07/2017
Yes
Credit card
Delinquent account
PA
15824
Web
First I recieved a phone call from someone who said I was being sued over a debt I had and to call this phone number he gave me to talk tomsomeone regarding this debt. I called the number he gave me and spoke with a guy XXXX XXXX he said I was being sued for a bon ton credit card i had 15 years ago in the amount of around XXXX but i could settle this debt now and not be sued if I paid somewhere around XXXX dollars. I was freaking out I told him I did not have XXXX dollars, he told he if I gave him so much down and then i could give him the rest later. I had to give him a date I would b able to give him the rest. He said he sent me letter saying I was going to be sued but i never recieved them. Well when I looked at my bank statement the XXXX dollar payment was made to a company called XXXX in California. My wife did some research and found people online were being scammed in the same way I was being scammed. So I called XXXX and told him I was afraid I was being scammed and he said he would send me a statement, saying what I owed and other information, by email. I got the email and at the top it said his company name which is XXXX and XXXX. My wife immeadately looked them up online and nothing came up. So I called the bon ton they said they didnt have any record of my account and that the statue if limitations would have ran out on my credit card and that they couldnt come after me 17 years later for this debt. She said to look up my credit score and if there was something u owed it would b on there. So did that and there was nothing. I called XXXX back and asked him about the statue of limitations thing and he said well u made a payment on this acct a while back. I know for a fact that I have never made a payment on this card since the last one I made 15 years ago. I told him I was n't going to pay him anymore money. He said he was going to sue me. I was XXXX in my youth and made mistakes I 'm still paying, in bad credit, for, but these guys are taking advantage of people.
12/20/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
TN
37203
Web
I am writing to bring to your attention a troubling experience with my PayPal Credit account.
Today I logged on to check my balance and schedule a payment and observed that on XX/XX/XXXX, two prior payments for {$1100.00} and {$500.00} were removed from the account. The transactions are listed as " adjustments-payments. '' I made those payments on XX/XX/XXXX and XX/XX/XXXX, respectively, at which time they were deducted from my personal checking account and transferred to PayPal.
When I called ( today at XXXX XXXX CT ) to figure out what was going on, the PayPal representative told me that these transactions were part of a " remediation '' and he would read me a prepared statement. The statement explained that a PayPal coding error caused the service to demand unusually and incorrectly high payments from customers in order to avoid deferred interest.
This is true, these XX/XX/XXXX and XX/XX/XXXX minimum payment amounts were massive compared to my usual account management. For context, my minimum required to avoid deferred interest this month is {$38.00}.
The statement said that in order to fix the problem, PayPal reversed the payments and reapplied them. The statement specifically says " no communication was sent to the customers. '' My account does not show that the payments were reapplied by PayPal -- though my bank never received a refund, so I hope that they have applied the payments I made to the balance due. I 'm not sure how to determine if this is now correct on the account, as the representative brushed away my concern that everything is " fixed. '' Even if correctly applied, it is important to note that I would never have made such large payments if they were not demanded as minimum required payments.
Finally, I find it extremely troubling that PayPal 's policy was to hide this entire happening from accountholders instead of advising us of PayPal 's own service error and advising us to check our accounts for accuracy. I only became aware by coincidence.
12/11/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Privacy issues
PA
15044
Web
On XX/XX/2020 I called Comenity Bank Card Services to validate that my XXXX XXXX XXXX Credit Card would work when used. I was assured that the card was fine and could be successfully used at XXXX XXXX. I completed the call and some 20 minutes later attempted to make a purchase at XXXX XXXX on the credit card. The transaction was denied.
I completed shopping and eventually called back Comenity Bank Card Services to understand why my transaction was denied after having just validated, nearly an hour earlier, that the card was not locked and available for use. I pressed for an answer as to why my card was denied after being told the card was available for use. The customer service agent informed me that during the prior call the agent inadvertently activated a new card, which had yet to be mailed to me ( the expiration date on my current card was set to expire at the end of the month thus the reason for the new card ). Besides being surprised by what I was told I immediately became more concerned that a new credit card with my name had been activated for use but had yet to be mailed to me. The agent did profusely apologize for the error but could not tell me where the new card was at that time except to say it had not yet been mailed to me.
This is a serious issue as it exposes me to possible fraudulent activity. Furthermore it exposes a weakness in the systems at Comentity Bank that allow a card, which has yet to be mailed or arrive in the hands of the consumer, to be activated for use.
This must be a compliance issue and certainly seems to have PCI implications. I have since closed my account with Comentity Bank but this is a serious problem. The ability for Comentity employees to activate cards which have yet to be mailed to a consumer is a weakness in their system. I suspect it was an honest mistake but the problem exposes a hole that can be exploited if so desired. People should think twice about choosing a card from a merchant that is issued by Comentity Bank.
04/16/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
WV
25541
Web
On XX/XX/2021 at XXXX ET, I made a phone call from my personal cell phone to Zales / Comenity Support in order to request a credit line increase on my account. With my initial request, I made it clear that I did not want a hard credit inquiry, and I never gave consent to perform one. The representative said that we could do that and we moved on to the process of increasing my limit. He never requested consent to perform a hard inquiry, and if he had, I would have refused consent.
Soon after ending that call, I received an email from one of the credit monitoring services that I subscribe to with a notice of a hard credit inquiry from this request.
I called the same support number again to request the removal of this inquiry as it was done without my consent. They asked that I submit the claim through a Secure Message dispute, which I did on XX/XX/2021, XXXX ET.
I received a response on XX/XX/2021, XXXX ET telling me that they can not do anything and to submit the claim to yet another location.
I called Equifax on XX/XX/2021, XXXX ET ( the credit report that this is showing on as of now XXXX, and requested to file a dispute. They informed me to request the inquiry removed from the bank and that I could submit a claim through the FTC.gov website, which directed me here.
In one last attempt to speak to someone to help resolve this from Zales/ Comenity Bank , I called Support on XX/XX/2021, XXXX ET. The representative here would not give me any contact details to speak to anyone by phone or contact over email.
As such, I am now submitting the claim here for help. I do plan to submit a dispute via mail, but experience and history of such dealings, has led me to believe that this will not be resolved in a timely manner. This is what brings me to submit this complaint here.
I never gave consent for Zales/ Comenity Capital Bank to make a hard inquiry on my credit report. As such, the inquiry was done without my consent and should be removed from my credit report.
04/19/2019
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
FL
33408
Web
Older American
Cfpb Comenity Capital Bank XXXX XXXX XXXX XXXX Ohio XXXX Account Ending in XXXX AND XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Texas, XXXX Account Ending in XXXX XXXX : These two companies are harassing me illegally Dear CFPB I have responded numerous times to these two companies. They are bullying me over a XXXX bill that they illegally put on a fraudulently solicited credit card. They have now responded for about the fifth time that they consider this to be a valid and collectible debt, although they claim they no longer have the documentation to prove it. I have explained the entire ridiculous story to them over and over complete with photos, names, dates of conversations. Yet, they still keep adding a usurious of XXXX late fee, and XXXX of interest. The total bill is now up to about {$400.00}. On the first page of the bill, it says XXXX for purchases. On the second page, it says I am being charged interest on purchases of XXXX. That does not even make sense. They are hounding me on my cell phone, during work and evening hours. Every time I block them, they call me from another unknown number. These bullies need to stop. I have researched them, and discovered within minutes, that these tactics have been reported numerous times. I need help getting these unscrupulous, illegal tactic using bullies off my back. I have XXXX, and they are triggering it. I hope I dont end up taking them to court.
If they have good reason to believe that I am responsible for this debt, they need to mail me the documents that make them believe that. They need to report to all three credit bureaus that they have made an error, and stop harassing a senior citizen school marm! I HAVE the records, and have PROVEN that they ARE WRONG!
THIS IS ILLEGAL!!!
They need to stop all other communication with me and with this address, and record that I dispute having any obligation for this debt.. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
06/16/2019
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with balance transfer
GA
30030
Web
I transferred {$1600.00} Comenity Bank ( XXXX ) credit balance to a new XXXX card with a zero percent balance transfer offer on XX/XX/2019, which is the date the balance appeared on my XXXX account. I wanted to close my Comenity Bank account but discovered it still reflected a {$1500.00} balance ( reduced because I had made a {$100.00} payment waiting for the transfer to be completed. ) On XX/XX/2019 I contacted Comenity Bank to ask when my account would reflect the transfer and how to close my account. I received the following response on XX/XX/2019 : We certainly do apologize for any inconvenience or confusion this has caused. Please go to the Account Services tab and select Transfer a Balance. Once you have selected Begin a Transfer, please follow the steps to process the request. The promotional Annual Percentage Rate ( APR ) and the total amount able to be transferred will be provided on the main Balance Transfer page before beginning the request.
Although we are sorry to hear you wish to close your account you may do so by : 1. Submitting your request online via our " Contact Us '' link ( after sign in ) 2. Contacting us at the phone number listed on your credit card 3. Sending your inquiry by mail to the address listed below : XXXX XXXX XXXX XXXX, OH XXXX For one thing, I have never heard of having to request a balance transfer from the bank where I want to transfer a balance from. I transferred another account to the same XXXX card, without contacting the issuer, and it was transferred with XXXX balance being reflected on my statement within a few days. This practice, if legal, is incomprehensible. I am now paying fees on two accounts for the same balance.
Second, I am unable to follow the instructions provided to 'request a balance transfer ' because there is not an " Account Services '' tab on their website.
I have been reasonably satisfied with Comenity Bank for the nearly ten years I've had the account, however this is absurd and, I hope, illegal.
12/06/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
ME
04027
Web
I have an account through XXXX XXXX for a store credit card. In XXXX, my total balance due on the account was {$75.00}, due on XXXX/XXXX/XXXX. I paid that total amount due of {$75.00} on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, I received notification through a credit monitoring service that I have that something had been reported on my credit report. I discovered that XXXX XXXX reported my account as being delinquent. I called XXXX. The first person I spoke to said that my account had been charged a finance charge after my XXXX payment, but it was an error and the account would be put back to a zero balance. I said that my main concern was that this has now been reported on my credit report. He said he did n't know what I could do about that other than contacting the credit bureau, but he would transfer me to their customer service department. The gentleman in customer service told me that the previous gentleman had misinformed me. He said there was no error on my account, and that I was charged " trailing interest ''. He said that they can charge this additional interest even if the account is paid in full by the due date because this is their new way of calculating interest. I said there is no way that they can charge interest on a balance of zero dollars. He said that in light of the situation, he would attempt to have this removed from my credit report, but it would take at least 35 days and there 's nothing he can do about that. He said that I should be receiving something in the mail to document it. In addition to them charging me interest on a XXXX balance, I went back through my emails, which is how I receive all my communication regarding this account, and I have never received a single email from XXXX stating that I had a balance due, a past due balance, or that my account was in a delinquent status. I receive emails from them about every other kind of activity on my account, so I find it odd and unsettling that I received no notification of this situation.
11/08/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
FL
34996
Web
I am writing this after learning that my typical 845-860 credit score dropped to XXXX! You can understand how upset I am to see this occur as a XXXX who has had almost perfect credit scores her whole life. The reason for this credit score drop was a result of a past due delinquency in my credit files that was reported by XXXX XXXX XXXX XXXX XXXX Credit Card. This late payment was due to the fact that I opened up a XXXX XXXX card in XX/XX/2018 for a {$8.00} purchase, actually as a favor to the sales girl making a pitch. I never received a statement and didnt even receive the credit card. I called in XX/XX/XXXX after I saw that something was going on with my credit report as I was advised my credit score dropped to XXXX. The first thought was that someone had stolen my identity, but after pulling my credit report, I saw it was due to a " delinquency reported by XX/XX/XXXX. Of course, I got in touch with XX/XX/XXXX and paid the bill in full, including all late fees, after realizing this situation and advised their representative that this oversight was as a result of not ever receiving a statement. I did not receive a statement for this new credit card. I have many personal and business credit cards as I own my own business so when I dont receive a statement, I do not think there is a balance due.
As you can understand this late payment reporting for an initial {$8.00} ( yes XXXX dollars ), has adversely affected my credit record which I rely upon as a minority certified business owner in Florida. I sent a letter to customer service requesting a revision of this delinquency as I never received the statement after opening this new account and to date have not even received the credit card. They denied my request. I urge you to please check my credit history and see that I have had excellent credit throughout and see the unfairness from this bank. They have terrible reviews and testimonials that support their poor business practices. I thank you for your consideration.
12/07/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
PA
19107
Web
On XX/XX/XXXXI opened up an account with XXXX XXXX with XXXXXXXX XXXX, with a deferred interest plan and made a purchase of {$8400.00}, I later made a second purchase onXX/XX/XXXX for {$1000.00}. I was making monthly payments of the amount I was originally instructed to pay. OnXX/XX/XXXX I had a remaining balance of {$1700.00} for the first purchase and {$750.00} for the second purchase, and I was charged the accrued interest of XXXX. The only information about this upcoming charge appeared on the statements online, not the emailed statements. I should have received an email statement including the balance, as other emails from this account have included the current balance. The online portal also lists no information about the deferred interest due date, and is only available with downloading the statements. There is also no way to view the Credit Card Account Agreement online, as referenced on the homepage. This vital information should be readily available online. Had I known about this charge I would have paid it off at once. When this charge occurred on XX/XX/XXXX I did not receive any statements until XX/XX/XXXXreflecting this new balance. I called instantly and no one was able to help me, and was told it could only be disputed within 3 days, but was not made aware of this charge during the 3-day period. I then spoke with a manager where I offered to completely pay off the original balance in lieu of the finance charge but he stated that was " unfair to the other store accounts ''. The only step he said I could take would be to send a letter to dispute the claim. I sent a letter on XX/XX/XXXX but have still not gotten a response. This delay in contact or resolution is ultimately allowing XXXX to accrue more interest while I am disputing this claim. XXXX XXXX also did not allocate the entire amount over my minimum payment to the balance on which interest was deferred during my last two billing cycles/payments preceding the expiration of the deferred interest.
12/03/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
VA
22304
Web
Hello, I have been working from home since XX/XX/2020 due to the pandemic. Because of this I had to order more furniture pieces in my house such as a home office, chair, etc. Normally, before the pandemic I was working in my office so this was never an issue. So, when the pandemic happened I decided to order these pieces from Wayfair, LLC. on XX/XX/2020 ONLY because they had advertised at a 0 % interest rate. After 2 months I received a Masters Credit Card from Comenity Bank stating I should activate the card. At the time I thought it was junk mail because I have not carried a credit card in 20 years. I never activated the card, however I am starting to get harassing phone calls from them about making a payment. At that point, I had no clue who they were until when I called and they told me that they are through Wayfair, LLC. I am currently a grad student and I was hit hard at the end of XX/XX/2020 with federal taxes for being a student on top of living paycheck to paycheck. I was consistently making payments to Wayfair/Comenity Bank, balance {$1800.00} but because of taxes being taking out of my paycheck each month it is making it harder to make the payments. I asked Comentity Bank numerous times if they had a financial hardship program. What I am disgusted by with this company and bank is that they are taking advantage of their consumers during a pandemic. They advertised at the start of the pandemic it was 0 % interest rate and now they are telling me that I have a 26.99 % interest rate on this card. I was wondering why my payments and billing was getting higher and higher. I never activated my card but they somehow keep charging me {$40.00} a month for late fees. I have asked them to close my account numerous of times and they have not done so. I have enough stress financially going on. Since the pandemic I had to spend more on my household and food because I am stuck working from home. Please investigate this business because what they are doing is WRONG!!!
07/19/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
CA
95062
Web
I made a purchase using XXXX XXXX XXXX ( comennity ) with a promotional rate of 12 months zero interest. I made all of my payments on time for 12 months using the us postal service. Comenity claimed they never received my 12th payment and charged me the deferred interest and late fees based on the missing payment. In my entire life of paying bills with USPS they have never lost any of my payments. I called comennity and asked them to remove the fees and interest based on my payment history. They were very defensive and rude. I cant believe that the payment that was due when my promotion expired was misplaced by usps as it has not been returned to me and every other payment arrives on time. They would not work with me to remove fees and interest or try to find out what happened to my payment. They are taking no responsibility for the missing payment. I believe they lostit to make an extra {$500.00} off a XXXX XXXX. I have no proof of what they did, but that is how they are getting away with stealing from consumers by saying the post office must have lost your payment. I have read other complaints from consumers of comenity taking advantage of people who need to make large purchases on credit. They told me if it was so important to pay my bill on time I should have payed online. I wasnt worried because the usps delivered all of my other payments on time. They dont make money if I pay on time. I believe they are stealing and didnt process my on time payment so they could charge me interest and fees. I wont do business with them anymore but they shouldnt be allowed to steal from consumers who pay their bills on time. Also, the statement they just sent in the mail with the interest and late fees arrived two days before the due date. Are they not required to send statements with enough time for the consumer to send payment? These practices seem very unethical and dishonest to me. I hope my complaint can help other people to avoid being robbed by XXXX XXXX/ commenity.
04/18/2019
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
LA
71202
Web
Hello, Consumer Protection Agency I am having trouble getting these accts closed from my Credit report, I no longer have these Credit Cards and I no longer have any dealings with this lender for these cards : I did use them in the past and I paid them off without any problem and I just want them deleted from my Credit Report, every year I have checked my Credit report and they are still showing on there. I know after 7 years all account accurate or not should be deleted. I called this company ( XXXX XXXX ) and asked them why are they still putting these accts bank on my Credit report and then they told me to contact the Credit report Agency in which I did. Every time I am getting the run around, going back and forth about who should take these old Credit cards off of my Report. These are the Accounts : # XXXX ( 1 ). XXXX opened XX/XX/XXXX closed XX/XX/XXXX paid off Reported again on my credit report in XX/XX/XXXX and XX/XX/XXXX ( 2 ). Acct- XXXX XXXX XXXX XXXX opened XX/XX/XXXX- closed XX/XX/XXXX( reported again ) ( XX/XX/XXXX- XX/XX/XXXX( 3 ). XXXX -Acct XXXX opened-XX/XX/XXXX closed Reported XX/XX/XXXX-XX/XX/XXXX ( 4 ). XXXX Acct XXXX-opened XX/XX/XXXX report again XX/XX/XXXX-XX/XX/XXXX 5. XXXX XXXX-opened XX/XX/XXXX closed XX/XX/XXXXreported again on XX/XX/XXXX ( 6 ). XXXX XXXX was opened but I never used the card XX/XX/XXXX reported again in XX/XX/XXXX ( 7 ) XXXX-opened XX/XX/XXXX and the last one XXXX XXXX-opened XX/XX/XXXX Reported in XX/XX/XXXX XXXX XXXX XXXX -opened XX/XX/XXXX -reported again -XX/XX/XXXX The only thing I want is for them to be taken off because they are paid off and I no longer have these cards. I don't want them to keep reporting because they will never get taken off because it pushes the years back each time they report them.
This is wrong and unfair. Please, help me get these accts deleted from my credit report, this is all I am asking. I paid them very well and I don't understand their logic in reporting them over and over.
06/23/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
93313
Web
Servicemember
I have had constant issues with dealing with XXXX XXXX. I have 4 accounts with them and the only one they are messing with is the XXXX XXXX XXXX store card. I am on a deferred interest plan with this card, not any of the others. I make my payments on time, or so I thought. I made a payment on the due date on XX/XX/XXXX. They charged me a late fee of {$27.00} and added a {$2.00} minimum interest fee claiming they received the payment on XX/XX/XXXX. I provided a copy of my confirmation email showing the payment was made in the MORNING around XXXXPT for the card, which is well before the cutoff time for the same day payment. After about 6 messages and several calls to the company, they admitted fault and removed one late fee. They refused to removed the interest charges that THEY caused due to their system mess up. I have repeatedly asked them to remove them and they are ignoring my messages. They won't even acknowledge my attempts to contact them. I received ANOTHER late fee on XX/XX/XXXX and another on XX/XX/XXXX. I was under the impression that my account was on automatic payments, since I called into the company in XX/XX/XXXX and the representative with a woman with a husky voice who got my bank account information and said she set up automatic payments for me. She did not. XXXX XXXX did not address my requests for answers but rather just told me " auto payments are not offered for my account. '' I again requested an explanation and demanded that they pull my call since I now don't know what happened and what that women did with my bank account information, which is a huge liability for me. I demand answers and I demand that those late fees and ALL interest fees on the account be removed immediately and fix the problem with their system and their lying reps! They are demanding I pay the late fees and interest first before anything else even looking at my account. The phone representative would not budge at even going over my account until I paid them
05/18/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
10005
Web
An account was opened in my Name with Zales. I noticed this when I ordered my free annual credit report a couple of years ago. I reported this information to the credit bureaus as well as Comenity Bank/Zales along with an identity theft and police report. Around the time that the account was opened, I was the victim of a hate crime where XXXX were graffetied on the walls of my building where I was staying in XXXX XXXX, New York and residing at the time.
This account was opened with an address of XXXX XXXX XXXX, XXXX XXXX, NY XXXX which is a Virtual Mailing Office that I've never done business with.
At the time this account was opened as a result of identity theft, I was under the supervision of the XXXX XXXX Court in XXXX, New York as an Order of Protection was issued by the same court for my personal safety and security. This came after my ex-roomate - who had access to my home office which contained true copies of my Passport, XXXX, Birth Certificate and Social Security Card - attempted to assault me and was charged by the same court.
A XXXX shipment containing legal documents including my social security card, passport and XXXX was stolen out of my mailbox before it was picked up by a XXXX Driver for processing and delivery.
A XXXX XXXX money transfer account was also opened around this time to send money to others using my name and date of birth ( identity ) without my permission or authorization.
Another credit card was opened with XXXX XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports.
Another credit card was opened with XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports.
07/30/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
FL
33626
Web
To Whom It May Concern : I have been trying to pay this account off for the past four years. First of all, this is a debt I did not willingly get involved with. It occurred when I went to a local dentist to get a discount on XXXX XXXX ( XX/XX/2015 ). However, while I was there, upon examination, I was told that I had a horrific problem going on inside my mouth. The conclusion was with the hygienist telling me that I need not worry about the money to pay for the work. She then called the administrator into the room who discussed with me how the bill could be paid for later, never ever letting on that she was referring to a credit card. At that time I was thinking that she was offering me a term of credit where I could pay the bill ( to the local dentist 's office ), a little at a time until it is paid off. Still I had no idea she was offering me a credit card. Next thing I knew, there was a colossal bill, including a mound of charges such as interests, late fees & other fees, as they saw fit. I was thinking like how will I ever be able to pay this off. We agreed on me paying {$44.00} a month, then later I raised it to {$52.00} a month. However, my son came to live with me during this time and I had a hard time trying to pay this amount, but I did it anyway, trying to get from under. As it turned out, I increased the amount to {$80.00} trying to pay it off. However, it seems like the more I pay, the harder it gets to pay this credit card off. There were so many late charges and interest charges. So far, I have paid $ 800+ over the past several years ( for the past 4 years ), and seems to be no light at the end of the tunnel. I am now turning to you for help, as I believe I have actually paid this bill off, but due to the enormous fees I am paying every month, it seems impossible to ever get from under the balance and truly see this bill as paid in full. ( Since I had work done on my mouth 4 years ago, I have never used this credit card again! )
01/17/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
CA
91365
Web
Older American
My XXXX XXXX gave me a brochure from XXXX XXXX, which offered financing for my procedure. They had a plan where you could spread the cost over 12 months with no interest. I was told I would need to call them directly to apply. I called and began to set up my account with their bank, Comenity Capital Bank. They took the entire application online. Once approved, the credit could only be used for that procedure, with my doctor. The rep told me that for the 1 year financing with zero interest, I would have to let THEM know the total cost of my procedure, and they would calculate the EXACT monthly payment necessary, so that I would pay no interest.
The rep put me on hold and finally came back and said I would need to pay {$1400.00} every month, in order to have the " zero interest plan. '' I soon got a letter of credit approval in the mail. The letter was dated XXXX. It did NOT state the beginning and end of my 12 month promo period ; only that " once I made a purchase, '' ( my XXXX ), I would get a statement. My XXXX was on XXXX. Once I got my first statement, I set up auto-pay so every payment of {$1400.00} would be on time. The final payment came out to {$1400.00}, also paid on time.
I then considered my debt paid. The next month I got a bill for {$3100.00} in interest, since I had " exceeded the 12 month promo period. '' NOWHERE did they define the start and end of the promo period. I NEVER go a copy of any credit agreement I signed. I paid the monthly amount THEY calculated. They used the credit APPROVAL date as the start of the promo period ( but never told me ) rather than my XXXX date, which was my " purchase. '' I think all their literature and procedures are Intentionally Misleading, in order to collect interest unfairly. I filed a dispute, but they sent me a letter saying they " need 90 days to investigate. '' Meanwhile they add over $ 100 monthly in interest and late fees. I have attached some supporting documents, with my notes.
12/10/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
NC
28214
Web
On XX/XX/2018, I purchased my then to be Fianc a ring from Zales XXXX XXXX XXXX. XXXX XXXX XXXX ( credit card company for Zales ) only approved me for {$2000.00} and I had to pay the difference and lay away the rest of the money.
I chose the ring and when it was time to pay, the credit card was swiped for {$2000.00} but strangely it took the whole payment of {$5400.00}. I was in the Zales store for 4 hours because of this mishap and the management team couldnt come up with a solution. So they told me that everything is ok and to sign for the payment and I would get a call within 3-5 business days for a solution. Nothing was explained to me regarding a plan I am on or if I had a certain time frame to pay off the ring. I was told this had never happen and the whole payment being taken on a credit card is a first. I never got a call or email stating what is happening with my account until I made a call on XX/XX/2018. I was told my account is in good standing and they are aware of my situation, to keep making payments on time and not to worry about interest.
On XX/XX/2018, I received an email stating all the money I paid was taking away because interest was charge per agreement, in which I wasnt aware of any agreements.
In a years time, I paid almost {$1500.00} and made every payment on time.
Interest charged was {$2200.00}!!! It was not charge per month like all other credit card companies do, it was charged from the whole year I started with them, which was false advertisement.
I called Zales customer service management team and explained my situation letting them know I was not warned on any interest charges because of how the whole payment was charged on the credit card. They said I had to write a letter to the customer service team, in which I did and they denied my claim, did not contact me back and is expecting payment, which is NOT FAIR. Now my credit score drop significantly which hurt my chances of buying a house for my family.
07/20/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
FL
33413
Web
XXXX 2016 I made purchase with a XXXX down on original purchase of XXXX. Apparently this qualified for deferred interest. I had to return item from this original deferred to a balance of XXXX. In the midst of there statements which are incorrectly billed. The deferred was incorrectly displayed as they made changes and changes to the deferred program I believe to confuse or misguide whatever was going to pay the deferred amount. Well I paid the deferred amount and they apparently say that I have not and decided to bill be XXXX in interest for a deferred I paid already. Starting with XXXX dollars which is deducted from XXXX. The statements show incorrect deferred amount which lead to believe. That credits were not applied correctly so they can come back charge XXXX $ I do n't owe. I have clear record of paying well over minimum and there should be no deferred amount owed. This big lots credit card has Incorrect and mistaken information computed. I spoke with them and apparently they do not look at there own statements to see how wrong the wordi g and information provided is not transparent and unbeliebeable how this practice is allowed to date. They have been contacting via email about offers and new card that have not yet seen I refuse to do business with company who practices deceptive billing practices so that no matter what the consumer does in bringing down down balance in good faith is just not enough. They know I know that it was wrong and they are trying to please me with offers I do n't need or want from them. The original purchase was for XXXX and I retired item in the amount of XXXX leaving a balance of XXXX. Where is the clarity. The receipts clearly show the return but added a separate purchase to the deferred. This is where it 's wrong after backed out of the deferred plans over and over again. I was hard to figure out how my payments were being distributed. Clearly after making XXXX $ in payments that the deferred was covered.
11/16/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
NC
28461
Web
I received a collection notice from a firm for a XXXX credit card purchase and penalty and interest. The card was issued from Comenity Bank. I have no record of the credit card, no record or awareness of the purchase. I never received any information from XX/XX/XXXXComenity regarding a credit card, terms of the credit card, the disputed transaction ( including item purchased and sales cost ), annual percentage rate, terms of payment, late payment penalties, or any other notifications that may be required under the Truth in Lending Act, Fair Credit Billing act, or other fair credit/consumer protection act.
I reviewed this with one of the collection companies. After numerous conversations about the situation, I was finally provided with a copy of a credit card bill, with no information of a transaction, but only a statement of past due amount and interest and penalty charges for that month. I requested documentation of the transaction but none could be provided. I therefore filed fraud dispute.
Comenity Bank responded to the dispute stating that their investigation found no basis for my dispute and they would thus commence forwarding statements to me. They have still provided no information regarding a purchase transaction, a credit card, terms of the card, etc. Their response stated that they received my dispute on XX/XX/XXXX and they " completed their investigation '' and composed their letter one day later on XX/XX/XXXX.
In conversations with the collection company it was found that the alleged credit card bills were sent to a general area where I was living but it was improperly addressed to an address that does not exist. I would never have provided that address to anyone, and I am not aware how they obtained it.
I have been harassed by collection companies for months on this issue and have never received any information to validate their claim of a purchase or credit agreement.
Past correspondence to Comenity is attached.
03/10/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
PA
17038
Web
I recently relocated. I updated XXXX XXXX card services with my new address. My phone number remained unchanged. I received a balance transfer offer from XXXX so I decided to take advantage of their 12 month no interest offer. I called and provided XXXX with the balance transfer information. It was accepted, processed and I have already made payments on the transfer. One week later, I attempted to use my XXXX card and it was declined. When inquired as to why, I was informed the representative that initiated the balance transfer reported there was suspicious activity during our initial phone call. When I inquired as to why Comenity did not contact me with their suspicions, they stated the transfer was completed at XXXX and they will not contact customers prior to XXXX. I asked why someone did not contact me at any point after XXXX on any day, the agent, XXXX, kept repeating that they do not call before XXXX. When I pressed the issue again, XXXX, become belligerent and demeaning and I felt very dismissive because I am a woman and a senior citizen. He ended my call by pretending we had a poor connection. I was extremely upset and felt XXXX took pleasure in my frustration, I called back later, spoke with a different representative named XXXX who attempted to remedy the situation by allowing me to input my personal information on their secure website to unfreeze my card. XXXX mentioned they allow customers to input their information on their site routinely in this manner. XXXX interceded and did not allow me to do this. XXXX refuses to unfreeze my card until I provide them photocopies of my drivers license, social security card and a utility bill in my name. I am uncomfortable sending this information via mail but XXXX informed XXXX that was the only means that he would accept. I sincerely believe XXXX is a XXXX agist and revels in causing female senior citizens distress. This would have been resolved months ago had XXXX just contacted me.
03/09/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
PA
19150
Web
On XX/XX/2019 I sent a check in the amount of {$940.00} to the COMMENTY XXXX rewards Visa card account I had. Upon my {$0.00} balance I called and spoke with a representative to close my account as I am no longer interested in having this card. ( Too Many frivolous charges and interest fees ) The rep tried to convince me to keep the card active but informed me of the annual fee to do so. I asked her why would I pay $ XXXX {$400.00} per year for a card I dont want and wont use. She agreed to close my account but also informed me that I had rewards on my card that I was do.
i initially told her I wasnt interested and wanted the account closed. She then informed me that the reward was already earned and could be added to the overpayment refund I was due for the {$940.00} check used to payoff my balance. I specifically asked and was assured that there would be no fee associated with the reward being added to the overpayment refund due to me.
In XXXX I received a bill from COMMENTY staying I owed {$80.00}. I figured this was an error so I disregarded it. In XXXX I received a second bill stating that I owe {$120.00} I then called and spoke to a representative who had no idea why not only was my account reopened but why I owe money without the card being used for a purchase.
After waiting 10-15 minutes another representative told me that the reward was issued in error on their part and that I was responsible for paying it.
That doesnt make sense when I was assured that there would be no fee for adding the reward to the overpayment amount.
Secondly, how can I possibly owe first {$80.00}, then {$120.00} for a $ XXXX {$40.00} reward card amount?
They are trying to charge me and have me repay the refund Furthermore why would I accept the reward when I made it very clear that I was no longer interested in this companys services upon repaying me debt?
I feel that I am being mistreated and bullied among other things for their error.
10/23/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
WA
98115
Web
I ordered curtains from XXXX and returned them. To pay for the order I used the XXXX credit card ( issued by XXXX XXXX ). I asked XXXX to put the return credit on my XXXX card which they did on XX/XX/18. I got a statement from XXXX credit in mid to late XXXX, not only NOT showing the credit ( so the account would have been {$0.00} ) but they added a late charge and a finance charge. I called them & explained that the credit had been sent on XX/XX/XXXX. They said they had no record of any credit refund from XXXX. In order to not have any negative impact on my credit I paid the entire balance.
I then had several back & forth emails with both XXXX and XXXX credit. On XX/XX/18, XXXX, a XXXX customer service rep called me and we called XXXX credit. The initial rep couldn't locate a credit so she sent the call to a manager. He could see that, in fact, XXXX had send the credit on XX/XX/18 but it was " pending ''. he couldn't explain why it was pending-he said it was a computer bug that the company was aware of, but they only know there is a problem when the customer tells them. He told us it would have to be investigated and fixed by the IT dept and it would take 21 days. I checked online this weekend ( 3 weeks later ) and saw a refund check has been sent out for the late fee & the finance charge, but my original credit ( and pymt ) of {$100.00} is nowhere to be found. I called in again. Same scenario-got XXXX, a customer service manager, who said it was still pending. He couldn't tell me when to check back or who to talk with-just that I could call " anytime '' or go online " anytime '' to see if the credit has hit my account. And initially, in both calls, the pending credit was difficult for them to locate ( and I was told, initially, that no credit had been issued ). We are going into week 7 since the credit was issued with no resolution, and no interest on the Comenity Bank side in resolving this in a expeditious manner. Unacceptable.
02/13/2020
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
MI
48906
Web
RE : # XXXX This is my 3rd attempt to file a complaint & receive a proper debt validation. My first attempt was mailed on XX/XX/2019 & still have yet to receive a proper validation supplied to me.
I am not sure who the debt collector actually is, I receive some correspondence that have Second Round Up & some correspondence come from Third Round Limited Partnership. ( Which is it? ) I have mailed in a debt validation letter to Comenity Capital/PRDSGN on several occasions, as well as the debt collector. I have requested the following information as FCRA allows : 1 ) An explanation of what this alleged account balance is for.
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt.
4 ) The signed Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number.
I have also mailed a letter to the State of Michigan XXXX Judicial Court.
I have requested the mentioned information on numerous occasions & I can not get a valid response. In addition, on XX/XX/XXXX I mailed XXXX XXXX XXXX, XXXX a letter requesting the same information. No such luck getting an answer to any of the 5 pieces of requested information. All I have received is photo copies of their " exhibits '' which is not providing me with any of the information that I have requested. It is just copies of what appears to be billing statements & that is it.
I am trying my best to resolve this matter & avoid going to court. Once again, I am filing a complaint to try to get the above information requested. I am baffled that I have requested this information from Comenity Capital/XXXX, Second Round Up, Third Round up, I've requested the same information from the credit bureaus & the lawyer as well. How can NO ONE provide me with a copy of my signature on this apparent contract???
08/13/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
CT
06801
Web
I have a Comenity XXXX XXXX card. I had many problems with merchandise not delivered or delivered but of unacceptable quality through my interior design business. XXXX XXXX immediately agreed, and issued credits to my Comenity XXXX card, resulting in a credit balance of {$7100.00}.
I called Comenity to request a refund ACH on XX/XX/20. They told me the leadtime is 21 days ( average, not guaranteed ) to review, plus 3-5 days to process the ACH. I have printed statements from their website confirming the credit balance, and they agreed with the credit balance total on the phone.
Given that the $ amount is large, and ( in my opinion ) the processing time is exceedingly long, I requested written confirmation of my request today. They refused.
I do not think it is reasonable to take so long to issue a refund check. The refunds were credited to my account XX/XX/20 {$3900.00} and XX/XX/20 {$3400.00}, so they have already owed me the money for 29 days. They say the 21 days starts today with my request ( which they refuse to document in writing to me ). That is exceedingly long in my opinion. They will wind up having my funds for 50 days + PLUS they refuse to document my request today in writing. I do not trust them.
Furthermore, when I asked what would have happened if I hadn't called, they said that the funds would have eventually gone to the unclaimed funds account in my state. That is ridiculous. They have all my information, and my account is extremely active. In my past experience, if I had a credit balance with a credit card, they sent me a refund check without my ever requesting one.
If this is legal, it certainly isn't right.
I have ongoing issues with XXXX XXXX and it is possible I will have further credits to my account. I do not want the dollar amount to continue to increase and believe their response is inadequate and unethical.
If you could assist me in getting my refund sooner, I would appreciate it. Thank you.
06/06/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
GA
30548
Web
I went to XXXX XXXX for a treatment. After I thought about getting the treatment I wanted to back out but was told I could n't. Although the treatment was okay, I was not happy with the results, but paid the account monthly. When I got the first bill I wanted to make an online payment. The only way I could do this was to set up a mobile app that would accept my payments. This action stopped the paper statements. The mobile app was fine however I was on an interest free payment plan for 18 months. The mobile app showed payments and balance. Mid last year I took my statements to a bill planner where I discovered I was no being charged all the back interest and now at a very high interest rate. There was no notice that the interest free time frame had run out and that I now owed twice what the service cost. I contacted them when I found out with no response. I contacted them a second time and complained both about the service and the interest. I also offered a one time payment to pay off the original balance in full, due to the fact that the mobile app does not tell you any information about your account. They responded with a letter saying that is what I signed up for and the owner of the business called to say " too bad so sad ''. I responded to say, had I known about the time running out I would have paid it off but the online payment offers no information. I was n't given the opportunity to pay it had they informed me I would have had it paid and that they needed to change the mobile. I also asked, in a ll 4 letters I have sent, to not call me. Since all this started I had an on the job injury and have been out of work since XXXX . I told them this in two of the four letters and just today I was asked today if I was having a hardship. They call everyday. I did get one lett er that gave me a small credit but they still refuse to address the original issue, continue to call everyday and now they are ruining my credit.
06/01/2017
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Sued you without properly notifying you of lawsuit
AZ
85122
Web
ON XXXX/XXXX/2017 I received a call from a young woman advising me that I have a pending lawsuit against me. She could not tell me what for, but she terrified me saying that I would have sheriffs serving me in the next two hours. I asked what was it for she said she did n't know but it was for a debt. I told her I could n't be home to be served and she told me I better reschedule or they will think I am trying to avoid them. I asked her what address and she gave me an address 3 years old and I never would have received any documentation regarding this lawsuit. She said since i was n't aware of the debt that I should contact XXXX XXXX at XXXX which is the number for XXXX XXXX XXXX. When i called I explained I have no idea what this was about and the gentleman XXXX stated it was for a credit card and the amount due was {$880.00}, he then advised me if I paid today it would only be {$380.00}. He then proceeded to tell me if I pay today there would be no lawsuit and it would be canceled. So i paid it. I thought about this last night and realized it seemed odd that everything just came out of nowhere and they would have received returned mail since i have n't lived their, so it ultimately made me realize it was a scare tactic that i fell for. I ran the address for XXXX XXXX XXXX and it was a XXXX XXXX i then called and asked for a copy of the canceled lawsuit documents and was told there was n't any and that no sheriff was going to serve me but a courier. I advised him that this seemed like a tactic to get me to pay a bill and advised him I would be filing a formal complaint on the tactics used, he said the company that called me was a 3rd party they hire them to do it and they have no control over what they say, i simply explained you hired the other company to represent your company and you ARE responsible for the methods and tactics they use. I ended the conversation advising him i will file a formal complaint and said goodbye.
05/10/2021
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account status incorrect
NC
27804
Web
I became behind on my XXXX account in XXXX/XXXX of 2020 - I now know that I what I thought was the XXXX was really XXXX spreading to myself and my daughter. At the time I worked part-time and therefore my hours were reduced and I could not pay my account.
XXXX and I came to an arrangement after I saw an email on XX/XX/XXXX that they were helping people through the health/economic crisis.
After speaking with the representative, I agreed to make a payment only IF they would fix the late payments now reflected on my credit report. She agreed and I made a payment of {$320.00} - which was much higher than my normal {$70.00} payment and took a great deal of balancing on my part with regards to bills. I ONLY agreed because they would report positive payments on my credit report.
I discovered a year later that in fact they did NOT fix my credit report as agreed. And guess what - if I don't pay it really doesn't matter because my credit is screwed now and if I close the account my credit is XXXX .... notice how that works? These companies have our heads in a vice.
So now after writing them the following, with a response on XXXX that says in fact the credit report is correct and they will not accept my dispute, I need you all to intervene.
To Comenity : " I made an arrangement to get caught up last XXXX ( 2020 ) because I not only contracted XXXX ( before they really knew it was XXXX ) but also got reduced hours due to XXXX. I held up my end of the agreement by making the payment ( s ) but you STILL reported this to the credit bureaus as delinquent. I have called TWICE to get this fixed. What is the point of me paying you ANYTHING since this delinquent report is completely dragging score down!?!?! You've send me countless emails about support and making payment arrangements, but then you still punish people. That isn't support.
Please fix this as per our arrangement and clear this " delinquency '' from my credit report. ''
03/27/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
MD
20747
Web
Servicemember
We previously had a XXXX 's XXXX XXXX credit card that is sponsored by Commenity bank. The bills that were due XX/XX/2021 and XX/XX/2021 were not received in the mail until XXXX XX/XX/2021 due to significant problems with the mail service. The payment for both bills were mailed on XXXX XXXX so the bill for XXXX was definitely not 30 days late because the bank cashed both checks on XX/XX/XXXX. My wife and I called on XX/XX/XXXX when we discovered that the account had been suspended and spoke to a supervisor, XXXX, who was not willing to assist with the situation. We decided to close the account and authorized XXXX to pull the remaining balance, {$33.00}, from our XXXX XXXX checking account. He confirmed in the phone conversation that the balance had been paid in full and the account closed. We received a confirmation of this by letter from XXXX 's customer care dated XX/XX/XXXX along with another letter verifying that we had authorized the transfer of funds. However, on XX/XX/XXXX we received an additional bill for {$510.00} after an earlier verification that the balance had been paid in full and the account closed. My wife mailed the payment but on the same day we received notice from our identity protection that we had received two negative reports at the credit bureaus for this account. This morning we discovered that we had a credit of {$510.00}, the exact amount of the bill. A representative at Commenity Bank, XXXX, provided assistance and agreed that the negative reports were fraudulent and should never had been submitted to the credit bureaus. We requested to speak to a supervisor who after a 10 minute wait refused to speak to us but instead assured XXXX that the negative reports would be removed and that we would receive the amount in credit back in our XXXX XXXX checking account. Neither has happened and my credit score has been adversely affected over what appears to be a malicious act to intentionally damage my credit.
03/13/2018
Yes
Debt collection
Credit card debt
Communication tactics
You told them to stop contacting you, but they keep trying
FL
32174
Web
XXXX XXXX continues to call, leave messages, and inquires about how to contact the person they are attempting to collect a debt from.
They have called on XX/XX/XXXX, they left a message for XXXX, stating it is important to call them back to resolve this issue. I called them, asking what this was about. They stated they are attempting to collect a debt from XXXX. I told them I am NOT _________, she is my ex-daughter-in-law. She and my son have been divorced for years. Quit calling me. They then asked if I had any contact information for XXXX or could I give her a message. I said, NO. quit calling me. They said they would take my number off of the account. I said, you have told me that twice before. They stated they will no longer be contacting me.
On XX/XX/XXXX XXXX XXXX again called leaving a very lengthy message regarding ________ with an issue she needs to take care of immediately with XXXX XXXX XXXX XXXX. Again, I called them and told them, this is not my debt, I am no longer related to ________, STOP CALLING ME!! Again they said they would take my number out of the system. I even talked to a supervisor. I said, you have told me several times you would take my number out of the system and yet you continue to call, leave messages regarding ________ debt ( which is a direct violation of FDCPA Rules ) and continue to ask me for contact information for ________ ( also a violation of FDCPA Rules ). Again they stated they would take my number out of the system. I stated, I don't believe you because you have called me a total of 4 times, twice leaving messages, 2 times I answered and told you to QUIT calling and 2 times I called you directly to QUIT calling. I then told them, I have no reason to believe you will stop harassing me and am going to file a complaint with the Consumer Financial Protection Bureau.
I have the voicemails to prove these claims!!
XXXX Names intentionally left blank to protect the identity of debtor. )
04/12/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OH
43081
Web
This involved a XXXXXXXX XXXX XXXX credit card ( XXXX XXXX XXXX ). On XX/XX/XXXX, I paid the amount due ( {$34.00} ) online. I received a confirmation email from the XXXX XXXX XXXX. I used my bank account number ... sometimes the bank ( XXXX ) requires a " 0 '' in front of it, other times not. When there's an issue with the " 0 '', I am immediately notified and have NEVER been penalized for it until now. Apparently in this case the bank required the " 0 '' because unbeknownst to me they sent the payment back, and not only did the XXXXXXXX XXXX XXXXXXXX add a late fee but also a return fee of some {$27.00}. I had no idea this was the case until I got an email a few weeks later saying my account was overdue. I was shocked, called them, paid the {$34.00} and they said all of the other charges would be removed. I received a second payment confirmation email from them on XX/XX/XXXX.
Then, on XX/XX/XXXX I received yet another message that I still owed them money! Something like {$58.00} or so. I called them yet again, wasted another 45 minutes on the phone with an obnoxious customer service rep and finally a couple of supervisors, who said they'd drop the late charges, but were out the {$27.00} because it was a fee that they'd had to pay the bank for the rejected account. I called the XXXX -- they knew nothing of it and there was no such record of any charge ... they do not charge if someone puts through a payment and it is rejected. So XXXXXXXX XXXX XXXX is lying and my account is still past due and they will keep adding to it because I refuse to pay the bogus {$27.00} ( Now {$28.00} plus change because they charge interest ).
I don't have any recourse I suppose, nor do I have any rights regarding this. Of course I complained to them and kept trying to resolve the issue but they are unreasonable. If I owed them money for goods and services or was late in payment I would understand. But this is utterly and totally ridiculous!
03/16/2017
Yes
Debt collection
Other (i.e. phone, health club, etc.)
Disclosure verification of debt
Right to dispute notice not received
NY
10038
Web
I applied for a new credit card and was declined. Once I was declined, I checked my credit report and noticed that Comenity/XXXX reported my account as delinquent. I called the number to figure out what was going on with my account ( I did in fact have an account that I thought was current ). Upon calling, I was told that my account had fallen behind and I was unsure of why when everything was set to auto-pay. I came to realize that when I moved and lost my debit card that everything was set to auto-pay with was replaced, the numbers on the card were different and the account began falling behind. My phone number is different that what the account was listed ( from what I was told ) along with my address. My address is currently XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I never received a call or letter showing that my account was behind -- at least to an active address and phone number. Once I spoke with the representative, I was told that if I paid the amount requested, the negative account could and would in fact be removed.
In speaking to someone from Comenity recently, I was told that is not the case. I then requested & required that they send all communication they had on file to me for my file to my current address so that I could have record of it but got the run around stating that they were unable to do so. I know for a fact that the calls are recorded so there is no reason they could not pull the transcripts pulling my call log from last year when I settled the account and was told it would be removed. I 've also requested any written correspondence before and after the account was settled both showing what I 've owed and their follow up validating my payment, etc. I 've still not received this information and am getting the run around from them every time I call.
When I called them today, XXXX XXXX, 2017, the automated system says that I still have an outstanding balance of $ XXXX. This should NOT be the case!
12/03/2017
Yes
Debt collection
Credit card debt
False statements or representation
Indicated you were committing crime by not paying debt
MA
02136
Web
I had opened a card up with XXXX i didnt recieve anything i wasnt even able to put my card inforamtion into the computer all i was asked for was my my address i gave them my address which is the same as where my items had shipped ok a week goes by still didnt get my card or a statement ok calls in its XXXX at this point i ask the lady when will i recive the card she says in 7 to 10 days another 2 weeks go by i call them again and explain how i havent recieved a statement or a card yet from the company the lady says she willl put in for a new card and that the cards due date will change from that month to the next month of XXXX XXXX comes i called the second week explaining that i still havent recived a card or a statement what is going on same thing happens she says that the statement date will change because i cant even acces my account online without getting my card shipped to me XXXX the XXXX I called them and the guy said the same thing wheni called this time the automated voicemail said i now owe a late fee the guy said not to worry he will wave the late fee from the card for me because i havent had access to my account in the 1 st place and havent recieved a card or a statement today i called because this is all becoming too much and they said its now sent to the collection agency which i dont understend why she said i was 60 days overdue which doent make sence any and the tab is XXXX dollars im like for what reason when you guys said 2 times not to worry and now its in collection i asked how was i supposed to know and how was i suppsoed to know with no access to my account no email notification or anything not even a call from them no statement the woman told me i and continued to tell me that i put the wrong address in and that its my fault and to pay the money and get over it im like i want to talk to the company they refused to let me talk to anyone that wasnt in collections what doent make any sence what can i do
04/23/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
IA
52501
Web
I have submitted a complaint in the past about XXXX XXXX XXXX/XXXX XXXX 's business practices and I finally received a credit from XXXX XXXX for Late Payment Fees in XX/XX/2019. AGAIN, XXXX XXXX has been charging me a Late Fee every month since I had a dispute with them. In XXXX I made a {$27.00} payment and was charged a Late Fee of {$27.00}. In XXXX I made a {$52.00} payment and was charged a {$37.00} Late Fee. In XXXX.I made a {$27.00} payment and was charged a {$27.00} Late Fee. My Late Fee should not be more because I sent a larger payment as reflected in my XXXX Statement. XXXX XXXX takes longer than any credit cards I have to process payments. I send 3 payments at the same time at the same mailbox every month. XXXX XXXX is located in the United States and their mail doesn't take any longer to arrive than anyone else 's, although they claim that it does every month. I've asked them for the last two months to change my credit card payment due date and they claim I owe a payment, so they can't do that. Even though the payment is NOT over due. I know that it is required by law to change my payment due date when asked to do so, having informed them I get paid 4 days before the due date. They are just wanting to scam money out of me. XXXX XXXX has caused me Late Payment and Over the Limit Alerts on my credit reports every month, lowering my credit score. I am not going to continually make payments to XXXX XXXX when they take my payment for Late Payment Fees every month, which causes my XXXX XXXX XXXX Balance to get higher each month. I literally make a payment each month, then my XXXX XXXX XXXX balance gets higher, and I receive ZERO for my money! They continually make excuses so they can charge me Late Payment Fees EVERY single month. I know I have legal rights to change my credit card due dates, I have done it in the past. My current payment is not due until XX/XX/2019 and I'm not behind. They are lying to gain money.
09/03/2017
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
CA
94014
Web
Today on X/XX/17, I went to the XXXX XXXX XXXX in XXXX XXXX, CA to shop at the XXXX XXXX XXXX XXXX clothing store. The sales associate who rang me up applied a store credit card under my name without my consent. She did n't even ask me about applying for a card. The cashier asked me for my social security number on the keypad to look me up as I remember in the past I used to have a credit card with the store. I only gave her consent to look up my existing credit card and she asked me for my identification, which I provided. When she rang me up I said I wanted to pay with the credit card that was in my hand and she said she just billed the existing store credit card. Since she had already done that I let the issue go. On the screen that i signed it just said that I promised the card issuer that I would pay for the amount on the screen. After the transaction she gave me the credit card disclosures and wrote that I had a new account opened on X/XX/2017. On the printed and electronic receipt I have on my email it also said she applied for a new credit card. I asked the sales associate telling her that I work for a bank and it 's illegal for her to apply for a new credit card for me without my consent but she told me it was on my existing credit card from many years back. I tried calling the issuing bank from the disclosures but it is a holiday weekend and the automated system did n't recognize my information. It advises me to call back during the weekday. The problem I have with this is that the associate never even asked me the consumer if I wanted the credit card. She just applied for it without my consent. I believe she used my drivers license information on the credit card application as well which is my previous address and not where I currently live. After the holiday I plan on contacting their corporate office as I looked online and there have been numerous complaints about opening credit cards without client consent.
05/26/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
CO
80602
Web
I recently learned about three derogatory payments with Comenity - NY and CO credit card. After speaking with several people and one today, XX/XX/XXXX, I learned Comenity has a bad address for me and this has impacted my accounts with Victoria Secret and New York and Company. When I spoke with Comenity, they advised me the missed payments are my fault because I never provided them with a good address until XX/XX/XXXX. I did not speak with New York and Company on this date so I am not sure HOW they got an updated address. As of XX/XX/XXXX, even after speaking to several of their representatives, I have logged on to my Victoria Secret account and realized they still have a bad address for my account. As of XX/XX/XXXX, the address listed in the account was XXXX XXXX XXXX XXXX, XXXX XXXX. The correct address ( which I changed in my VS account ) is XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX. After reviewing all accounts with Comenity, ( NY & CO, Victoria Secret ), I am realizing my bills and all other correspondance was being sent to the wrong address resulting in non-payment. It appears there are some other issues as well because there were no statements generated from XXXX to XX/XX/XXXX to advise me I had a balance in my NY and CO account, nor did Comenity make any effort to call me to let me know the status of these accounts were past due. I have confirmed my phone number in both websites is correct and it is. I have excellent credit history. I have also checked for emails from Comenity regarding my victoria Secret account and I did not receive any emails either. Comenity will not provide me any proof of phone calls or attempts to reach out to me and advise me of these past due accounts.
This has caused hardships on my credit score which was in the high 700 's and now at XXXX. I am also being disqualified for a job with a local police department because of this. I need to get this situation fixed as soon as possible.
09/04/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
FL
34688
Web
I closed this credit card account in XX/XX/2019 due to fraud on my card. They sent me a new card, with a new number, and I immediately closed that card too - I did not want to stay with them anymore. I had to fight with them several times, staying on the phone more than a 1/2 hour each time to get the charges removed and the foreign transaction fees removed. It took several calls before they told me that it was finally cleared all the way and the card was closed. I look online at my statement and it says I have a XXXX balance and XXXX due. But, on XX/XX/2019, I receive a credit card statement saying I had a previous balance of XXXX ( all fraud charges and foreign transaction fees that they told me were removed and I had a XXXX balance ) - on this statement they are charging me interest of {$2.00} and a late fee of {$27.00} - bringing my balance due on this statement to {$160.00}! This was all taken care of and XXXX out a while ago. I called them about this because I don't want this late payment on my credit report and they told me that it is still being investigated - a different story than a month or more ago - I was told it was done and no more will or can be charged. While on the phone - for 35 minutes - they told me this was sent to me for informational purposes - which is false - I do not owe anything on this and they are using my old card number, the one with the fraud charges. I believe they are trying to get me to pay them and they know for sure this was fraud, it was reported right away and closed. Not only did this card get hacked, but it is a XXXX XXXX card and was only used at one of there XXXX hotels in XXXX XXXX, we did not use that card for anything else. They have not closed this account, they are using the old card number that had the fraud. They transferred all this info to the new card and cleared it out, but never took it off the old card and now are trying to charge me for interest and late fees.
05/27/2020
Yes
Checking or savings account
CD (Certificate of Deposit)
Opening an account
Didn't receive terms that were advertised
TX
79556
Web
Older American
Please accept this correspondence as a complaint against online bank, Comenity XXXX XXXX located in Missouri. The only phone number I have for them is XXXX.
On XX/XX/2020, Comenity XXXX XXXX was offering a one-year CD at a rate of 1.70 % the rate for a one-year CD. I contacted Comenity Direct Bank and spoke to XXXX and advised him I wanted to open four, one-year CD accounts. Three in the amount of {$25000.00} and one CD in the amount of {$10000.00} all at the advertised rate of 1.70 %.
However, after numerous failed attempts to complete set-up for all four CD accounts on the XXXX, he put me on hold to get assistance in completing the additional accounts. When he returned to complete the transactions, he stated his supervisor advised him my application had to be approved before proceeding to complete the accounts.
Every time I have contacted this bank, I have waited anywhere from 30-45 minutes to over an hour before I get to speak to anyone nor has any supervisors call me back the next day to follow up to discuss with me what the ops team or upper management decided on how to resolve this issue.
Below is a log for every day I contacted the bank along with who I spoke to as well as the conversation I had with each one of the Banks employees. I also requested on two separate occasions to speak to the President or VP of the bank but was told they did not have that information or the online bank did not have a President or VP. I finally located and contacted someone at Comenity Capital Bank and the lady I spoke to said they were not associated with anyone at Comenity XXXX XXXX. I explained to her that at the end of their website it states that Comenity XXXX was a brand of Comenity Capital Bank. She apologized but she just sets up credit card accounts and knew nothing about Comenity XXXX XXXX nor where they associated with Comenity XXXX XXXX.
Any assistance you could provide would be greatly appreciated.
Thank you,
02/04/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with balance transfer
CT
06492
Web
On XX/XX/2018, I did a balance transfer to my XXXX 's perks card in the amount of {$1400.00}. On XX/XX/18 I paid {$200.00}, XX/XX/18 I paid {$49.00}. The {$49.00} was to go towards my bill and the {$200.00} to the bal. transfer. I called and spoke with a rep who said she would do this as only {$15.00} was showing applied to the bal. transfer. XX/XX/18 I paid another {$200.00} and called to have them allocate {$100.00} to the bal. transfer. I also sent an email through the website for the credit card to advise that my current bill is still only showing {$15.00} applied to the bal. transfer. When I called I mentioned this too and she said it was getting done. I made another payment of {$300.00} om XX/XX/18, calling 2 days later to move {$200.00} of this over. I explained I had a concern as this was my XXXX call to reallocate funds towards my bal. transfer and I should have {$500.00} towards it and the bill was reflecting {$100.00} and a change to my original purchase date. The guy said he would fix it and I would see it on my activity as moved online. I said I had heard this several times before and he said he was fixing it. XXXX XXXX I made another payment of {$200.00} and again called to get {$100.00} reallocated. I spoke with the woman for a while and she assured me she has a financial background and is one of he best reps they have there and she knew exactly what needed to be done, she would make sure all {$600.00} was reallocated to apply to my bal. transfer amount. I continued to email the person for help as well documenting each time I called. My current bill just came out and guess what, it shows {$380.00} applied to my bal. transfer and the original amount transferred has now changed to {$1200.00}. I do NOT have time to call every month to try to fix this and get aggravated. I have a XXXX at home and this bal. transfer was supposed to make my life easier but has added hours of work to my life. Please help me.
09/06/2017
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
PA
19128
Web
Re : XXXX XXXX store credit card account through Comenity Bank, interest-free promotional plans.
On every Comenity Bank XXXX XXXX monthly statement are these instructions : " You must pay your promotional balance of $ XX in full by DD/MM/YYYY to avoid paying interest. '' If you follow those instructions provided by Comenity Bank XXXX XXXX on your monthly statement " to avoid paying interest '' and you have more than one promotional balance, you will definitely NOT pay off your balances in time to avoid paying interest. Those instructions are totally false and misleading.
When you send in a payment on your Comenity Bank XXXX XXXX account, even if it is above or in addition to the minimum monthly payment due, they split every payment among any other promotional balances you have.
For example, if my Comenity Bank XXXX XXXX statement says I have a promotional balance due today of {$100.00} and I send them {$100.00} today, I will NOT avoid paying interest on that promotional balance if I also have another promotional balance ; they will split that {$100.00} among any other promotional balances I have.
If I want to pay off the {$100.00} on that promotional balance due today " to avoid paying interest, '' I must actually send Comenity Bank more than that. Comenity Bank does NOT explain this anywhere on the monthly statement. I would have NO way of knowing how much money I actually need to send today to pay off that {$100.00} balance.
There is nothing on the monthly statement explaining this allocation of payments in general. Furthermore, if customers who have more than one promotional balance follow the instructions that are provided by Comenity Bank on their monthly statements, none of them will ever receive the promotional " offer. '' Comenity Bank is offering interest-free financing and appears to be providing misleading instructions which can actually ensure that customers will not benefit from it. Appalling.
11/09/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
VA
22041
Web
Comenity Bank operated a store credit card for Wayfair, Inc. Earlier this year, Comenity was marketing its credit on the Wayfair site offering promotional terms ( no payments until 2021, for example ) to lure customers in. I also signed up and used the card to make purchases on Wayfair 's site. A months later, I received a notice from Comenity that it was closing down the Wayfair store credit card program and a Comenity credit card representative told me check back soon because Comenity would allow us to move the credit amount ( {$2000.00} credit limit in my case ) to another Comenity Store card account that they offer ( such as XXXX ). Later Comenity sent a letter telling that their rep had lied to me about that possibility and that Wayfair customers would NOT be able to transfer the credit limit to another account. But they misled us about closing the account. They would keep the account " open '' for the sake of collecting payments but were revoking the {$2000.00} credit limit. They then reported to the credit bureaus that they had " closed the account due to a settlement or charge-off ''. However, this is false - they did not offer a settlement and are still collecting for the full amount of the debt. Because they lied to the credit bureau, my credit score has plummeted because their actions caused my credit utilization score to rise to 331 %, because they did not in fact offer any sort of settlement on the account.
I believe that Comenity conspired with Wayfair by offering promotional a payment plan because it knew full well that it intended to close the program down a few months later. This bait and switch program sold a credit card account and offered instead something else entirely - a predatory loan that hurts our credit. Comenity did send a letter confirming that their representatives tell mistruths about the credit card closure, but only offered an apology. Nothing more. There was no settlement offer.
06/07/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
PA
18914
Web
I received a Promotional balance transfer offer from the card issuer. I took advantage of this and requested a balance transfer of {$23000.00} that was processed on XX/XX/2019. The card issuer mailed a check in the amount of {$23000.00} to the receiving bank. Since the receiving bank did not receive the check until XX/XX/XXXX, I called the card issuer and requested a stop payment on the check ; however the check was received by the receiving bank and cleared my account. I confirmed with my receiving back and then called the card issuer and informed them that they may cancel my request for stop payment since the check was received and posted. However, the card issuer classified my stop payment request as " Provisional Credit '' and then my cancellation of stop payment request as " Provisional Credit Reversal '', both on XX/XX/2019. Then, they re-classified the original balance transfer check of {$23000.00} that went through as " Charge Adjustment '', which is now being subjected to the interest rate for revolving balance. While in fact it should have been subject to the promotional rate of 0 % that I was offered and took advantage of. My account has been in good standing and I never missed any payments.
On XX/XX/XXXX, I noticed a finance charge was imposed on my account and after repeated calls to the customer service, I was able to get the charge waived off on XX/XX/XXXX. Many customer service agents have assured me that this is a mistake on part of the card issuer, and they will fix it. But still, I was again charged a finance charge on XX/XX/XXXX. I again called the customer service, and they assured me they will fix it. But until now nothing has happened. The card issuer is not following proper business practices - they are offering promotional offers and when we take advantage of these offers, they are trying other methods to impose finance charges. Please escalate this and correct this situation. Thank you.
10/16/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NH
03275
Web
This is continuation of former complaint ( # XXXX ) which XXXX XXXX has not fully resolved as they indicated they would! The real issue started with XXXX when I ordered 3 pair of shorts and returned them the next day as I was not satisfied with the quality. I was billed {$27.00} on XX/XX/18, returned them on XX/XX/18 using their shipping label. They credited me for 2 pair {$18.00} and charged me XXXX instead of crediting me {$9.00} for 3rd pair. Since I did not make a payment as I had returned the shorts they charged me a late fee of {$21.00}. I went on their website and disputed the fact that there was an error on their part that they didnt credit me for 3rd pair of shorts and also called them on XX/XX/18. They told me I needed to pay for label so I paid {$9.00} which is what they said I owed and that they would credit the late fee and interest fee of {$21.00} on XX/XX/XXXX and XX/XX/XXXX but then charged me another late fee and interest of {$24.00} on XX/XX/XXXX! I called and emailed on their website and they said they were only allowed to cancel one time late fee and interest charges. And added another {$1.00} interest charge on XX/XX/18. I filed complaint with you, CFPB and they finally credited for 3rd pair of shorts and some of the late fees and interest for {$19.00}, still leaving a balance of {$16.00} of fees and interest, I called to file dispute with them and they sent a form letter indicating the charges will remain on my card!!! I have been disputing these charges by phone, on their website email since XX/XX/XXXX and although they indicate on back of their statement that if they find they made an error I would not have to pay fees or interest accrued on the account they continue to charge me fees for merchandise I returned the first month I received them. So since it was their error from the start, I should not owe them anything at all! Please help. Im disgusted with the way they have handled this.
03/20/2018
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
VA
23323
Web
I filed a claim with XXXX XXXX in XXXX because I was not able to pay the bill due to being XXXX. I updated my address, but never received anything from them. I explained this to XXXX XXXX multiple times and updated my information with both companies, yet I didnt receive any paperwork until XX/XX/XXXX. I have been harassed every single day multiple times a day since XXXX, even after I asked for them to contact me only through mail. On XX/XX/XXXX, I spoke with XXXX XXXX with XXXX XXXX and explained my entire situation and she offered to place me on a hardship plan. That was never offered before. She wanted me to check with the insurance company first to see if they would still cover my debt and follow up with her on Monday, which would have been XX/XX/XXXX. She verified my phone number and also my mailing address and assured me that I would not be called again. I was contacted by XXXX XXXX at least 10 times between XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX, a distant cousin sent me a detailed voice mail message from XXXX that was left on her answering service for me threatening to take legal action. I dont understand how my family member was contacted about my personal business, but to get that message from them was humiliating. I have never given anyone permission to contact my family or anyone other than me. I need this rectified immediately and because of the inconsistencies with this company I want the debt erased. I am XXXX, waiting to resolve my XXXX and I am unable work. I lost my house and have not been able to pay my bills ; this is stressful in itself. My XXXX is both physical and emotional, so when they constantly call and harass me, threatening me after Ive explained my situation MULTIPLE times, it causes me even more stress. I am highly disappointed in XXXX XXXX and feel that they have violated the Fair Act Collections Practices Act in contacted me and relatives leaving detailed messages about my debt.
09/17/2021
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
OH
44146
Web
Recent email to XXXX XXXX Comenity Bank Credit Card.
I am very upset how you have decided to treat your consumers. I made a large payment of {$310.00} on XX/XX/2021 and you decided to reconsider my payment/credit history on XX/XX/2021 and reduce my credit limit by {$320.00}. Was this a delayed punishment? I have had a good standing and despite the pandemic I have tried to stay afloat with my credit cards. You wait to " punish '' me and my credit as I was in the process of paying this credit card off. This makes me wonder if you are upset that consumers are trying to raise their credit scores and reduce their intertest rates which doesn't pad credit card companies pockets. FRUSTRATING. How dare you take my credit usage from 47.8 % to 94 % instantly. I will be reporting this practice to Consumer Financial Protection Bureau and filing a complaint with BBB. I was logging on to pay my card off, once I do this, I will be closing my account. It's not worth allowing you to control my financial future. I'll take closing this card now then to deal with you.
They have reduced my credit limit multiple times. Most recent was after a substantial payment from me and reduced my credit availability and limit substantially. I have been update to date for the past 5 months, and when I wasn't I was in communications with them. 6 months later and when my credit score was actually highest in the past year, they use that and decide to reduce my limit. This becomes a vicious game from credit card companies to keep interest rates high by adversely effecting the score they dare use to evaluate credit worthiness for. This is also the same credit card company that has closed my XXXX account with no notice when the limit was {$1500.00} I owed roughly {$200.00} and was paying on time. I understand they have a " right '' to do this but they are unfairly applying that right and with no notification or valid reasoning until after the fact.
09/07/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was paid
NY
11783
Web
Older American
I signed an agreement with Comenity XXXX XXXX to pay {$4500.00} over an 18 month period with no interest charged. i understood that it needed to paid on time to not be charged interest. I then set up an online banking monthly payment plan with XXXX XXXX whete check went out 8 days to due date.
Payments started XX/XX/XXXX with last payment set up for XX/XX/XXXX. I checked all my online payments monthly on my bank website and everything was sent in time and came out of our checking account. Our problem started when we returned home from 3 mos in XXXX and received a bill at our XXXX address and it looked there were missing payments. I was never told by the customer service representative that a payment in XXXX was not received. This rep then went on to give us incorrect info.
I then realized the POffice never sent our Fl Bills, so we called back to find out exactly what was wrong and spoke to 4 different supervisors that told us to send in proof of payments from the bank and they would open a dispute. we did this and sent in checks proving that XXXX sent all payments out on time and they were cashed by comenity health plan.
We never received the promised call backs and five times the response from their website was always the same open a dispute and send in cancelled checks and the would contact XXXX.
Now we are receiving phone calls from their collection dept that we owe all the interest. We proved all our payments were made and sent out on time by the bank. It looks to me as if this one payment that they claim was lard in XX/XX/XXXX was sent in the same as all the others 8 days in advance and came out of my checking then. Not sure what happened. but all my payments were submitted by my bank on time. Proof was submitted by us a nx nominee we got back to me. Terrific customer service that gave me incorrect info every time I called.
I am XXXX years old and have perfect credit and this is making me ill.
01/14/2021
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
WA
98607
Web
I received communication from Comenity bank regarding unauthorized charges on my account statement. I was told I could call and speak with someone and I have called several times and have never been able to speak with anyone.
Now they have closed down their credit card departments since they no longer offer their credit cards and I can not speak to anyone about my account nor login to review my account since no one has access.
I made a purchase back in XXXX of XXXX for {$570.00} and was charged on my Wayfarer credit card for that amount which increased my balance. It was on a deferred interest plan, which I understood if I didn't pay that {$570.00} in full by the end of the 12-month plan, I would be charged interest.
After reviewing my account I did see I was charged {$130.00} in XX/XX/XXXX since I hadn't paid off that whole amount by that time. This increased my balance. I completely understand that part of it. But then I was charged an additional {$360.00} for the same purchase I made in XXXX of XXXX for {$570.00}.
And this {$360.00} also increased my balance. This means that Wayfair charged me {$570.00} for purchase and then not only charged me an additional {$130.00} in interest but in addition charged me another {$360.00} a year later.
Wayfairer still has refused to explain to me what that additional {$360.00} is for. How is it possible that I purchase something for {$570.00} and a year later they are making me pay {$1000.00} for the same invoice?
I need a detailed explanation of why they are making me pay double the the amount I originally owed for that specific item.
They have made it impossible for me to speak with anyone or even look at my account now- which is completely illegal. I should have access to my account to review their " charges '' and interest.
This company is terribly unprofessional and they lie.
I am attaching everything you need to review this whole dispute.
Thank you
05/26/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
TX
75033
Web
I originally spoke to a rep in XXXX about a charge off reported to my credit report. We negoatiated that if this was paid pfd, the charge off would be removed from my credit report. After making my final payment on XXXX XXXX amd realizing by the end of XXXX that it was only updated as " paid in full '' and not removed as negotiated by the Comenity bank representative, I gave them a call in regards to the concern. I spoke with a rep, and even a supervis or. ( There are plenty of notes on the account to support to the many times I 've called in ). After speaking to a supervisor, I 've advised him to just listen to the call where his representative negotatied the pay for delete. He refused. Instead he advised me to send a dispute letter, which would be more difficult. I 've sent a dispute letter, the situation still has not yet been resolved. This letter was sent on XXXX XXXX . I called in on XXXX XXXX to check the status and spoke with a nice gentleman by the name of XXXX , he stated that my dispue has n't even been touched and that they transferred my paid in full account to the " in house recovery pool '', he advised me to send another dispute to them. Instead, i advised him to just forward my dispute over since they are " in house '' .. He advised me to follow up withi n 5 business days. I just got off the phone today with a representative in the in house recovery pool and she advi sed me that the dispute team is separate from their team and she does n't know anything about the dispute, unable to give me an update, and unable to look into it. As of now I am getting the run arounds, no one seems to want to help or get this situation taken care of simply by just listening to the call amd removing the charge off as it was honored in the first place!! Getting the charge off was bad on my end but i still did as negotiated and paid it off, now Comenity bank needs to do what was promised to me.
11/30/2020
Yes
Debt collection
Other debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
WA
99208
Web
Older American, Servicemember
In XX/XX/2020, I purchased an item of clothing from XXXX clothing company. Item ( jeans ) were on sale for {$19.00}.
Item arrived without invoice. I did not receive a statement until XXXX stating i owed them {$29.00} plus late fees for total of {$58.00}.
I sent a check for {$20.00} to cover initial costs of jeans, the check was cashed. there should not have been late fees as i did not receive an invoice for the initial amount.
I received another statement in XXXX stating i owed them {$40.00} for more late fees.
I wrote them a letter explaining that i had paid for the jeans, so why more charges, and they opened an investigation that will take up to 90 days to review.
In the meantime i have received more statements with even more late fees, plus phone calls from collection agency on behalf of the company threatening to sue or take me to court.
With the help of my daughter-in-law I contacted them again XXXX XXXX, and paid the 'overdue ' balance of {$69.00}. Unbeknownst to me the charge did not got through properly. I was not made aware of this by the CSR. I found out on XX/XX/XXXX when I received yet another threatening call saying i owed more than {$100.00} in late fees.
I rang them immediately and tried to explain the situation and asked them why are they charging me more fees and what is happening with the investigation. No one could help me. they just wanted over {$100.00}.
I rang again XX/XX/XXXX to try to sort it out again but eventually I asked my daughter-in-law to call them on my behalf ( again ) and they agreed to drop the latest charges if i paid the balance amount of {$69.00}. So i used a debit card to pay {$69.00}.
I am XXXX years old and i live alone. I have now paid over {$89.00} for a pair of jeans, because this company did not send me an initial invoice. A friend of mine had a similar experience and now we think the company uses these tactics to get more money from older people.
09/29/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
WA
98856
Web
I Received a bill from XXXX Platinum Credit Card Saturday, XX/XX/XXXX via email, stating that I owed {$19.00} for the XXXX XXXX XXXX XXXX.
I sent them a secure message via the link provided in the bills email, stating that I did not owe that, but was told it was the incorrect place to send a message and that I needed to contact Comenity Capital Bank. I thought that was who I was messaging. Very Confusing.
I contacted XXXX XXXX and they verified that I had canceled the club membership XX/XX/XXXX ( XXXX XXXX from XXXX XXXX, verified it ) I sent a dispute letter to Comenity Capital Bank, via registered return/recieved mail, to the address they provided ; signed XX/XX/XXXX, with a stamped signature. My letter explained that I did not owe them any money along with the email verification from XXXX XXXX of my cancelation back in XXXX of XXXX by XXXX XXXX.
I received a letter acknowledging the receipt of my dispute letter, which was dated XX/XX/XXXX. They asked me to give them 90 days to investigate my claim and that they would notify me of their findings. I have not received an answer to date.
I received a debt collection letter from Comenity Capital Bank as a response to my cease and desist request sent via the secure message center due to collection phone calls from them, wanting to resolve the matter by having me pay 50 % of the alleged owed amount, late fees and interest. I did not owe any of the money to begin with.
In XX/XX/XXXX, I applied to receive the new XXXX XXXX XXXX and was turned down by XXXX XXXX, due to negative information on my credit report. The negative reporting was by Comenity Bank/XXXX XXXX. They have reported me being delinquent since XX/XX/XXXX ; which was during the 90 day investigation they were supposed to be doing.
My credit report shows only one negative account ; which is ComenityBank/XXXX. They show me delinquent from XX/XX/XXXX to present and my credit score has gone down.
09/27/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
IL
60402
Web
Hello, my name is XXXX XXXX XXXX. The following is a summary of events in chronological order for a dispute on my credit card with Comenity Bank ( XXXX XXXX ).
On XX/XX/XXXX a made a purchase of {$1500.00} with XXXX XXXX via phone and the purchase was completed using a Comenity Bank Credit Card. I was under the impression that I had purchase two round trip tickets but that was not the case. My intention was to cancel a previous flight I had purchase and buy two under the same reservation. This is an Issue that was disputed with XXXX XXXX and even though the flights were taken they still decided to issue me a refund and I was sent an email on XX/XX/2020 from XXXX XXXX stating that they were refunding me {$1500.00} for the misunderstanding since the purchase of the ticket went into review.
The refund was not being reflected on my Comenity Bank Account so on XX/XX/2020 I created a dispute with Comenity Bank my account number is XXXX.
My dispute was closed by Comenity Bank sending me documents that XXXX XXXX sent them saying that the flight was successfully flown but Comenity Bank is failing to understand that I had a dispute with XXXX XXXX before and was granted a refund. My flight was for XXXX XXXX and I Was granted the refund on XX/XX/2020. Supporting document was also sent to Comenity Bank but they are still refusing to represent me properly and are demanding me to pay for something I was granted a refund for. Comenity Bank closed my dispute on XX/XX/2020 with no solution for me other than to pay them. I find this unfair being that I was granted a refund by the merchant XXXX XXXX after having disputed my purchase with them prior to contacting Comenity Bank.
I am asking for help in this matter. I did my part in taking the proper steps. I cant afford to lose this dispute being that again as stated earlier, granted a refund. We are in a global pandemic and every XXXX counts during these hard time.
08/24/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
FL
33578
Web
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/2020 I went an evaluation at Smart Shape body clinic located in XXXX, Florida.
I was evaluated by XXXX and at the end of the conversation she asked me if I want to see if I qualify to finance the procedure. I agree she went and filled the qualification forms for me. She never said my account will be charged right away and not after the procedure and I did not expect that either.
I made an appointment but unfortunately, I could not go forward and have the procedure done due to family matters.
I contacted the company Comenty Bank and I explained I have no procedure done and been told me I have to contact the office and talk with them first.
So, I did. I talked with XXXX and she said she will solve the issue but will take up to week before she can investigate, and she will contact me and let me know.She did not returned to me.I concatenated again Comenty Bank after to contest the charge .They said i am charged because I didn't show up for appointment and they had me scheduled.
In order to have a procedure done you need to have XXXX XXXX done and for a XXXX XXXX patient need to have a XXXX .Few day before I got the phone call I called the office as I had a question about the testing.
The office manager did the application for me to see if I get the amount needed to have the procedure. I didnt expect to be charged when no work was done. If I have to use any credit card, I pay for a service reentered. NO credit card will charge and deliver the goods 3 months after.
I was out of the country and have no international plan in my phone. This day who needs it when we can talk international using other methods that are free, such as XXXX, messenger etc. This been said I have been able to get any phone calls from the US I had been to XXXX clinics before and been charged for an appointment a deposit of {$50.00} not {$10000.00}
08/27/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
PA
19348
Web
I visited the XXXX store located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX on Saturday, XX/XX/XXXX. When ringing up my purchases the cashier asked if was a member of their rewards program to which I replied that I believed I was. She had me enter my telephone number. She stated I was not in their XXXX XXXX Rewards program and asked me if I would like to be. The store was closing down and re-opening under another name so I inquired if they rewards were transferable and she stated they were good for all stores under the same parent. I proceeded to enroll in the " rewards '' program and when I was finished the cashier said, " You were approved for {$800.00} '' I stated that I was not aware that I was applying for credit rather, only that I was enrolling in an awards program. I asked if I could cancel right there in the store. The cashier said I could not an provided me with a number to call. I called the number and went through an automated system which allowed me to cancel the card and stated it would be reported to the credit agencies as " Closed at customer request '' however, the the only option to receive a confirmation was via fax. As I did not have a fax number handy I opted to not have a confirmation. Wanting to be sure the account was cancelled, I called Tuesday, XX/XX/2019 at XXXX XXXX. Eastern Standard Time and went through the automated system which allowed me to cancel the account, confirmed via voice response it was cancelled and stated it would be reported a " Closed at customer request '' to the credit agencies. This time I provided a fax number and the autoted system said a confirmation would be sent within 1 hour. As of Tuesday, XX/XX/2019 at XXXX XXXX Eastern Standard no confirmation has been received.
I believe the acquisition process was purposely misleading and that the cancellation process also uses deceptive practices to avoid cancelling the card. The card is issued by Comenity Bank.
11/09/2017
Yes
Debt collection
I do not know
Communication tactics
Used obscene, profane, or other abusive language
VA
22043
Web
Servicemember
I am an XXXX in XXXX XXXX, and received a lengthy voicemail threatening my future if I did n't call " XXXX '' back before close of business today. My phone number is on the Do Not Call List, and I owe no outstanding debts to anyone -- I have stellar credit on all credit reporting agencies. Nevertheless XXXX called my cell phone ( which is a South Carolina number, and I have had it for decades ) at XXXX and left his abusive and threatening message about a debt that XXXX XXXX owed. I know many XXXX XXXX -- it is a very common name. But that is not my name. I called XXXX back and he refused to tell me how he got my cell phone number or more details about why he was calling me, or how he knew my name was XXXX XXXX. His supervisor did the same. This debt collector is calling random or targeted people with the last name XXXX, apart from the alleged debtor, in an apparent attempt to force the debtor to pay. I do not know who the debtor is, but there is no other reason to call my number and leave a threatening message for XXXX XXXX, when my name is not XXXX XXXX and my voicemail greeting clearly states that. This is aggressive and abusive debt collection practices, and also violates the Do Not Call list, as my number is listed there and this company has no business with me. This bank called from phone number XXXX, and XXXX stated to call him back at XXXX, extension XXXX. His supervisor is XXXX. Both XXXX and XXXX demanded to know my first name and I refused to provide it, stating they should already know it before calling my cell phone number ( which I repeated for them ). XXXX kept demanding to know my first name, and I refused to give it, as she refused several times to give me her full name as well. This bank should not be allowed to harass other people related to a debtor, or bearing the same last name ( XXXX is very common in parts of the world ) in order to collect debts or attempt to embarrass a debtor.
08/07/2020
Yes
Checking or savings account
Checking account
Problem with a lender or other company charging your account
Transaction was not authorized
MO
63138
Web
On XX/XX/2020 I ordered a 16x12 gazebo from Wayfair. I paid for the gazebo with my Visa debit card In the amount of {$3700.00} and {$550.00} on a Wayfair credit card which only had a {$600.00} limit. Roughly two days after placing the order, it was cancelled by Wayfair because the item was no longer in stock. I in return ordered the smaller gazebo 12x12. My Visa debit card was credited {$980.00}. A few days later my Visa debit card was changed again {$2900.00}. I was informed by a supervisor that instead of Wayfair refunding my Visa card for the original 16x12 gazebo I ordered, the refund/credit was given to the Wayfair credit card that only had a {$600.00} credit limit. She apologized and said I needed to contact Comenity Bank. I have spoken with Comenity Bank who also confirmed that Wayfair credited my Wayfair credit card {$550.00} six times. I was told by ( Supervisor ) XXXX XXXX and someone from Comenity Bank that I would receive a refund in 3-5 days. We were on a three way call that I had to give authorization that it was ok to do. I waited over a week and no refund. I spoke with several other Supervisors who assured me that after the finance team reviewed it that I would receive my refund. I also spoke with ( Supervisor ) XXXX XXXX on XX/XX/2020, who also said and sent me a detail email on how I would receive my refund. After no refund and multiple attempts I called again on XX/XX/XXXX and was told by another Supervisor that I needed to file a dispute with Comenity Bank because in her experience there was nothing that they ( Wayfair ) can do once the credit has been sent to Comenity Bank. She said that she would follow up with me once the finance team reviews it and as of today XX/XX/XXXX, I have not received a email or call. I have also filed a dispute with my bank which is XXXX XXXX. This was done on XX/XX/XXXX by phone. I also over a week later have not heard anything back from XXXX XXXX.
06/08/2020
Yes
Payday loan, title loan, or personal loan
Installment loan
Getting the loan
NY
11203
Web
This is in response to file number XXXX.
Comenity Capital Bank, XXXX XXXX XXXX XXXX responded on XX/XX/2020 that I used the account and failed to close it in thirty days.
The document provided did not show terms and agreements with the option to cancel within thirty days.
I contacted XXXX XXXX XXXX XXXX on XX/XX/2020 requesting an explanation on the approval of the loan and to have it withdrawn as stated in the following emails communication between XXXX XXXX and myself thus their statement of failing to contact the Company or vice versa is false : XXXX XXXX XXXX Sat, XX/XX/XXXX, XXXX XXXX to solutions Customer Care, I was recently approved for a loan {$11000.00}. Can you provide me with the application and an explanation of the criteria used to approve the loan?
Best Regards, XXXX XXXX.
XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX to me Hello, Thank you for contacting us here at XXXX XXXX XXXX XXXX XXXX I would be happy to assist you today.
I am unable to locate an approval for you on my end. Did you apply for a personal loan or a patient solutions account? If you applied for a patient solutions account, you would need to give us a call for assistance. However, generally speaking, we look at your entire credit history to determine if you are eligible for financing. We have no minimum credit score requirements.
If you have any questions, we are here Mon-Fri XXXX EST. Our phone number is XXXX.
Thank you!, Questions?
Text us at XXXX or click link below to chat live!
cid : XXXX XXXX XXXX EST __________________________________ XXXX XXXX Chat & Email Specialist XXXX XXXX XXXX XXXX XXXX f XXXX On XX/XX/2020 I called XXXX, spoke to XXXX XXXX Informed the loan was approved based on my credit score. I told him I am unemployed, I can't repay this loan and have it removed. He said I will get documents in the mail to cancel the loan but the documents I received was another bill and a loan increase.
05/10/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
FL
34442
Web
Servicemember
My XXXX Credit report showed a closed account with Comenity Capital Bank as having been 60 days overdue with the highest balance of {$900.00} higher than the credit limit of {$500.00}. The account was reported late due to a disputed {$7.00} finance charge that I was unaware of. In addition the report of an over the limit charge was incorrect since the limit was {$10000.00} when I made the last charge on the card.
Between XX/XX/XXXX and XX/XX/XXXX, I made purchases totaling {$870.00} using my XXXX XXXX credit card account. That was the last time I made a charge on the card.
I made the full payment of {$870.00}, which was debited from my checking account on XX/XX/XXXX.
I moved from XX/XX/XXXX to XX/XX/XXXX at the end of XX/XX/XXXX and thought I had paid the bill in full so that I was not expecting a {$7.00} bill from the Credit Card company for accrued interests. I was completely unaware of the bill.
In XX/XX/XXXX, I became aware of the issue and settled the matter with the Credit Card company by paying XXXX {$20.00}, which they demanded. I also requested that the card be cancelled at that time.
On XX/XX/XXXX, as I was trying to refinance my home, I became aware that the Credit Card Company had reported a serious delinquency of over 60 days on my credit report.
I contacted all three credit reporting agencies to dispute the report. I also contacted the Credit Card company by phone and sent a good will letter dated XX/XX/XXXX to the Credit Card company in an attempt to resolve the issue.
The company responded negatively to the phone calls and did not respond to the original good will letter.
I followed through with a second good will letter dated XX/XX/XXXX.
The credit card company formally rejected my goodwill offer in a letter dated XX/XX/XXXX At least one credit reporting agency deleted the delinquency report. My credit report with XXXX now incorrectly shows that I was 30 days late.
09/13/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
19425
Web
I have a Loft All Rewards card issued by Comenity Bank. I have an excellent payment history other than one late payment a year ago when I didnt realize I had a payment due ( I had made a purchase that I didnt think would appear until the next billing statement ).
My payment is due on the XXXX of the month. I was on vacation the last week of XXXX so I didnt make my payment until the evening of Sunday XX/XX/XXXX when I returned home. I received an email confirmation ( attached ) of my payment that I had made through the online portal. The email clearly says that payments made through the portal by XXXX on the due date are considered on time. My payment didnt post until the next business day, which was Monday XX/XX/XXXX. On Sunday XX/XX/XXXX I was assessed a late fee and finance charges. I had paid the balance in full. Since I thought I had paid off my card I didnt realize I had a subsequent payment due and therefore did not make a payment on XX/XX/XXXX and was charged an additional late fee and finance charge.
When I contacted Comenity to complain they told me that they couldnt do anything for me since they had previously forgiven a late payment fee for me ( for the mistake a year ago ) and therefore I was liable for the additional fees and charges. I replied that I shouldnt have been assessed the late fee to begin with because I had actually made my payment on time. They have not responded any further. I also noticed when I logged in to make my complaint that they have also moved up their cutoff time to make payments now to XXXX - which only flashed up on my screen very briefly and did not show up again - so people could very well not see it.
Every other card I have credits payments as on-time as long as they are made by XXXX on the due date, regardless of whether it is a weekday or a weekend. Its incomprehensible to me that they can legally charge late fees for a payment made on the due date.
08/03/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
MD
20861
Web
Servicemember
I have a store credit account with XXXX XXXX, that is serviced by Comenity bank. My bill for this account is due on the XXXX of each month. I receive all statements and notices for my account electronically. Within the XX/XX/XXXX billing statement, a brief synopsis of the account term updates was listed. On the third and fourth page of the billing statement, it states verbatim : " Reminder : To avoid interest on the Regular Revolving Credit Plan, pay your entire balance by the Payment Due Date each month. '' For the billing statement generated in XX/XX/XXXX and due on XX/XX/XXXX, I paid the entire balance due on the account on XX/XX/XXXX. In addition, the information of the updated terms and agreements was not provided to clarify specific terms and definitions. Thus, the company is woefully trying to leave the customer in the dark and not specify how interest will be accessed with a regular revolving credit plan, the definitions of a grace period, and furthermore upon my call placed on X/X/17, when I asked for an updated copy of the terms and agreement I was instructed that a new/updated copy is only reserved for new cardholders. Thus, an existing cardholder, upon request, would only receive an outdated copy. As a consumer, I find this act deplorable that a credit company would mislead and not inform their entire consumer base. Due to their negligence, I am asking for a refund of the interest charges accessed to me, as taken in the information that was made available to me during my XX/XX/XXXX statement about the changes I was notified that by paying the balance in full that no interest would be accessed to the account. My last attempt to resolve this issue with Comenity Bank was on XXXX XXXX, 2017 at XXXX XXXX, they are stating that they will not remove the charge, nor provide me a complete an updated copy of the terms. As a result, I am submitting my complaint with CFPB to review their practices.
02/07/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
CA
94560
Web
XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX with Comenity Bank card. The Transfer of a XXXX XXXX XXXX XXXX XXXX was supposed to be converted into a XXXX XXXX XXXX. The XXXX was opened for a 50 % of the Down Payment ( the other 50 % was supposed to be put on another card under spouse name ) The full amount was placed on the newly opened XXXX XXXX under my name. In which I did not know about so I filed a fraud claim. after several calls and emails to the XXXX company with no response & still to this day no conversion on the two accounts. We are still paying for two separate accounts maintenance fees.
After, all of that I called Comenity Bank - on XX/XX/XXXX. I made a large payment of {$2400.00} in order to keep the card current and my spouse and I credit good.
Comenity Bank CLOSED the XXXX without any notice or awareness via phone call or email.
Comenity Bank closed my XXXX XXXX XXXX account and said it was a charge off.
I did contact Comenity Bank when I was made aware of the charge off after receiving an email from XXXX XXXX and XXXX XXXX on XX/XX/XXXX - in which Comenity Bank said there was nothing I could do. And to call back on XX/XX/XXXX to apply for another card. I feel their practice was unfair and it made my credit score drop over 12 points.
Please help consumers like myself : by Informing XXXX of their unfair acts Hold them accountable for their unfair statements of due to the down system you will be informed in one week, to one month to it's now a new year and we just heard back and made arrangements with XXXX representative.
As for Comenity Bank - I have been current with payments and still am a good consumer BUT Comenity Bank has Branded Me as a Bad consumer that due to their bad business my spouse and I are suffering with a Bad Branded Name.
Please help me Respectfully, Credit Score Points dropped low - after trusting the Commenity Bank and XXXX XXXX XXXX XXXX of XXXX California
07/31/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
FL
33993
Web
Servicemember
I made several request to have information reported on the credit report corrected due to COVID-19. Accounts with Comenity Bank and XXXX report my accounts as being 30 to 60 days past due during the COVID-19 Pandemic. I made a request for hardship agreement with the creditors to have my payments deferred. I submitted proof of the agreement. The Creditors report my Account Payment History as being past due some XXXX, 2020 and XX/XX/2020. I agreed to make payments during our agreement and complied by paying the account off in its entirely. The Creditor Comenity Bank and XXXX continues to report the account past due when the accounts were brought current and some paid off.
According to CFPB, If an agreement is made while your account was already delinquent and your " BRING YOUR ACCOUNT CURRENT '', the creditor " MUST REPORT YOUR ACCOUNT IS CURRENT ''. The account with XXXX was brought current and the account history still reports as 30 days late. For Comenity Bank, my accounts were paid off in full and they still report the accounts as being 30 days late for XXXX and XXXX.
In regards to " Timing '' the Cares Act Amends section 4021 covers consumers from XX/XX/2020 to 120 days after the Pandemic. Although the Cares Act was not signed until late XXXX, the covered period begins retroactively from XX/XX/2020. Although I was effected since XX/XX/2020, the above creditor did not start offering agreements and taking applications until XXXX.
Although it is clear that the effective date for COVID-19 relief was XX/XX/2020, the creditor are not complying with the policy even during the month the president signed the Act XX/XX/2020 which is still being reported as last on my account.
As a retired military and military spouse, this has case an effect on our family in obtain a VA Mortage and to loose out on the opportunity of purchasing a home.
I have attached the policy and rules regarding the above.
03/01/2017
Yes
Credit card
Billing disputes
MA
02125
Web
I went to a company ( XXXX ) for a medical issue that my doctor said was my last resort to avoid the XXXX I had to endure almost monthly. However, the company went bankrupt and gave their contracts to another company to which their lawyers sent out a letter to opt out of the next company and i did. Considering i felt as though it was a scam. I told Comenity that I opted out and they were bankrupt, they told me to go to the other company and try to get a refund. I tried multiple times to get info and refund or even get a location as to where that location was located. After talking to comenity for months telling them I could n't get a hold of anyone or get a refund with multiple disputes, they tell me to go down to the office that is located in the exact spot where I was getting XXXX before ( Am I they only person who sees scam? ). I get in my car and drive down there immediately only to find out that company is bankrupt as well. Comenity, now informs me to send a fax of all my XXXX history. I sent them a fax on XX/XX/2016 stating my contract was special due to my medical issue. That the usual contract was for XXXX treatments, I was allowed unlimited if my XXXX back and that due to XXXX I was able to get XXXX 3 times on other areas, but only once on the area i went in for in the first place, because you ca n't shoot lasers into an open wound. I got a letter back saying that I did n't put in the number of treatments. To which I went to their XXXX page livid asking if they were capable of reading. I got a number to escalated customer service explained the fax and a woman wrote in my exact details of the issue explaining why my issue was not cut a dry. I thought the issue would finally get resolved, but they closed the dispute, said I have to pay and the only way now to open a dispute is to write them a letter and find a copy of my contract from XXXX, that has now been chapter XXXX for over a year.
08/12/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
34481
Web
Older American
XX/XX/XXXX - Took 0 % financing offer for dental work = {$900.00} First payment XXXX min {$35.00} XXXX was due XX/XX/XXXX, and the XXXX of each following month.
I made these payments through online banking via XXXX XXXX XXXX XXXX : XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$53.00} In XXXX I received a bill showing a balance due of {$53.00}. I called Customer Service and was told my XXXX payment had not been received, so I went to the Credit Union and got the proof of payment that showed the check had been delivered on XXXX. Since it had not been cashed, I put a stop payment on it. I then called and paid it by phone using my debit card and the rep waived the late charge because I had made the payment although they were not showing it. At this point I believed my account was paid in full.
In XXXX I received another bill, for a late charge of {$29.00}. I clearly did not owe this, but just to close the matter, I bought a money order and mailed it on XX/XX/XXXX. Again, I thought this matter was closed.
But I have now received a bill for a late fee for a " returned payment of {$53.00} '' - the check they had all along but claimed they didn't, and which I put a stop payment on and paid by debit card. And again, another bill with another fee - now showing a balance due of {$64.00}.
I wrote to the company on XX/XX/XXXX and provided documentation of all these dates and payments. On XX/XX/XXXX they responded that they will not remove the late fee because the minimum payment was not received by the due date.
I paid all of the installments of this loan in accordance with the contract and have additionally paid {$29.00} that was not owed. I assume my final check was sitting on someone's desk for several weeks after receipt and that's why it was not credited to my account.
04/02/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
FL
33065
Web
I went into a financial hardship with Comenity Bank/XXXX in XXXX of XXXX that placed a late payment of 30 days, 60 days, starting in XXXX 30 days, XXXX 60 days, XXXX 60 days. XXXX 60 days, XXXX 30 days, then XXXX 30 days. I called this company and explained my situation that I was unable to pay my payment due to a financial hardship and they placed me in a hardship program paying {$40.00} per month without interest for a year. I have done that and also completed the hardship program and was placed back into payment status paying on time payments every month afterwards. In XXXX of XXXX I began to start regular payments. I began to seek Goodwill Adjustments to the late payments that was placed on my account with constant refusal to look into reasons. When I came off the Hardship program I was transferred to another financial company called XXXX XXXX who is handling all payments at this time with continued on time payments with this company. I sent them a Good Will letter thinking that I can get an adjustment and they stated that if they did not place the late payments they would not be removed, I would have talk with Comenity Bank. So, I sent them another Goodwill letter about the late payments and how my paying this bill has been exceptionally good with no late payments just trying to pay this bill down. I received a letter from them stating they are unable to make any adjustments to my account. All I'm wanting is a chance to have a fresh start at making improvements on my credit so that I may be able to purchase a home in the upcoming year, and to show them that I can be financial dependable in my finances along with a chance to fix my credit ratings. Comenity Bank shows no consideration to their current or pass customers as to forgiveness for hardships and considering the blemishes these late payments has caused even after the consumer go an extra mile in satisfying a road to Goodwill.
12/10/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
11021
Web
I have credit card from Wayfair-AlllModern ( " Wayfair '' ) who in association with Comenity Bank had provided 6 months, no interest promotional rates in XXXX 2020 on charges above certain threshold amount. I purchased items from Wayfair on XX/XX/ 2020 and clearly qualified for the promotional plan. The amount paid was {$400.00} and it was fully financed under the 0 % financing for 6 months. I started making payments ( {$70.00} per month ) as soon as I received the first statement.
On checking my balance in detail, I realized recently that Comenity/Wayfair has been sneaking in finance fees on my account since the first day of purchase in clear violation of the purchase and financing terms provided by Wayfair/Comenity. I was never notified of the promotional plan cancellation or changes in terms. When I contested the charges with Comenity customer service team on XX/XX/2020 over phone call, I was told that Comenity would NOT remove the financing charges as I ( consumer ) had not notified them of billing issues well in time. On top of that, Comenity and Wayfair terminated their relationship with each other in XXXX 2020 and Comenity is now unwilling to adhere to Wayfair 's promotional terms that were provided to the customers. Additionally, Comenity charged me late fee for a payment that was missed on account of issues with auto pay and miscommunication. Comenity has flat out refused to remove the finance fees and waive late fee even after I requested to pay off the remaining balance in full right away.
This is a clear case of " Consumer fraud '', " Misleading and deceptive business practices '', " False Advertising '' by the financial institution/bank Comenity and Wayfair, especially in dire times of raging pandemic ( Covid ). I earnestly request you to investigate the matter and I am willing to provide related further information in context of the matter. I look forward to hearing from you.
04/23/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Can't close your account
NY
11552
Web
On XX/XX/XXXX I notified the bank there were charges on my account which were fraudulent in the amount of {$970.00}. They reversed the charges and told me I would have to confirm in writing and they would send me a dispute form. They also said they would change my account number and send me a new card. Before I got the dispute form, on XXXX XX/XX/XXXX they sent me a letter saying " After a thorough investigation we have concluded that the fraudulent items never posted to your account or they were returned in full, which means your account balance is {$0.00} " Despite the above, when I got the first statement for the new card, before I even received the new card, with a new account number, the bank had added the {$970.00} fraudulent charge to the NEW account. I immediately notified them ( XXXX ) I was very upset by their having allowed the same fraudulent charges to be placed on my NEW account, which had allegedly been issued just to avoid this occurrence. I told them to also cancel my account entirely On XX/XX/XXXX they wrote me requesting more information, although they already had told me they concluded an investigation and I was not responsible for the fraudulent charges. The charges again appeared on my XX/XX/XXXX bill. I called XX/XX/XXXX and spoke to XXXX and XXXX, Sr. investigator in the fraud department, who said they will cancel the charge. The XXXX bill showed the charge was canceled on XX/XX/XXXX, placed on the account again on XX/XX/XXXX, and removed again on XX/XX/XXXX. I received no further notices or account statements after XX/XX/XXXX until yesterday I suddenly received a statement showing a charge to my supposedly closed account for {$140.00}. I have not authorized any charges or used my account since I told the bank to close it in XXXX. It is now XX/XX/XXXX. I called the bank and they said the account was closed on XX/XX/XXXX. Nevertheless, they still allowed a new charge!!
06/08/2018
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
LA
70533
Web
Sometime at the beginning of XXXX, I believe the XXXX, I payed my XXXX XXXX Credit Card with XXXX XXXX in full - payment totaled a little over {$75.00} I believe. The balance was paid in full, I didnt worry about anything else. I was notified XX/XX/XXXX that I had a balance due to two late fees. I was never notified that I paid the card late, which I do understand the late payment was my fault. I must have misread the due date and marked it on my calendar incorrectly. I have two other cards with XXXX XXXX that are in good standing and have always been in good standing. The employee I spoke with in XX/XX/XXXX was rude and abrupt and did not allow me to speak to a manager when I disagreed with the charges on file. I told her I would be calling back to discuss further. In that time, myself and my father both had unexpected XXXX and life got in the way of me calling back. I was contacted today, XX/XX/XXXX that I again had two late payments and I asked to speak with a manager. The employee transferred me to what she told me was a supervisor. This supervisor turned out to be a resolution specialist who I told the whole story to only to be informed she was transferring me to another supervisor. The supervisor answered the phone with a cheerful attitude which quickly turned into a very smart mouth. I work in XXXX XXXX as an XXXX and I know that these fees can be taken away. I remove fees for customers EVERY DAY. I also work with XXXX and do not need this so called supervisor explaining to me the law and my obligations. I understand my obiligations and I am trying to get this taken care of. The card was initially paid in full and being only a day late the late fee should have been removed then. I want this card closed, along with my XXXX card, and XXXX XXXX card because XXXX XXXX will NEVER receive any of my money again. The customer service I have experienced with this card is absolutely horrible.
01/26/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
PA
17111
Web
I first contacted Comenity Bank regarding my Sony Visa on XX/XX/XXXX, XXXX to file a dispute for {$1700.00} against a local business. The agent that assisted with opening the dispute had no idea what she was doing, she even admitted to me that she normally doesnt do them. She hardly took any information, not enough that would allow for the disputes team to come to a reasonable conclusion. She did not tell me that I would have to send documents in by mail. She stated I would receive something in a couple of weeks. A few weeks went by and I didnt hear anything so I gave Comenity a call. The lady I spoke to informed me that they had closed the dispute. I had never received anything notifying me of their decision, nor did I receive any documentation provided to the credit card company from the merchant. They gave the merchant the upper hand and kept me in the dark. From the very start, this company did everything they could to set me up for failure. I would talk to someone on the phone and they would direct me to their messaging portal. I would do what they said and use the portal and then get a response that said I needed to call customer service. The fact I was told so many incorrect things and then could also never actually speak to anyone in the disputes department was beyond aggravating. I was told I could file a dispute through the portal and that I could submit my documents on there as well. All of those were in fact lies. I had to send those things in writing. I appealed the decision and this time was able to send in the documents, I even provided a copy of the XXXX reviews the owner was leaving for her own business. Shes a deceptive person, and I wanted them to see that. One of the representatives I spoke with had the audacity to tell me to take it to small claims court. I provided everything this company needed to do its job. They couldnt even provide me with an explanation as to why.
06/24/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
CT
06705
Web
Older American
On XX/XX/XXXX I have called the Comenity Bank in response to their letter to confirm charges on my account. Once the agent Ms. XXXX successfully verified my identity, I confirmed all transactions to be accurate. I even gave additional information about the payment, that I made to this account on the pior day. After a brief hold the agent decided to ask me some additional questions, such as : my zodiac sign, whether I purchased my XXXX prior to XXXX of XXXX. Another brief hold followed and she came back on line with a statement that now my account is closed. Upon my strenuous objection, she invited me to apply for another card in a month. I requested to speak with her supervisor and attempted to explain to Mr. XXXX ( supposedly the supervisor ) that there must be a mistake in their source of information. He was very arrogant, kept interrupting me and taking at the same time that I was speaking. I requested to speak to his superior, at which time he advised me that he is the ultimate authority. I requested telephone number to the corporate headquarters. He gave me telephone number to XXXX 's! Since then I contacted the bank multiple times demanding to either reopen my account or to provide me with the source and the nature of the information that led to the adverse action by the bank. I pointed out several times that under the FCRA, I am in title to this information, if only to correct it for future. All my requests are met with either dismissive or evasive replies. The bank refuses to connect me with any one person of authority to resolve this issue. I strongly believe that this is deliberate and consistent campaign of discrimination against me due to my national origins. My FICO score as reported on XX/XX/XXXX is over 800, I have no history of late payments on any accounts including the account with Comenity bank. Other than prejudice of their agents there is no reason to close my account.
01/30/2018
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was paid
IA
51246
Web
Older American
My name is XXXX XXXX. I am a XXXX year old female.I went to XXXX XXXX last XXXX for a fix on my XXXX XXXX. They told me it was not fixable and said that I needed to have a new XXXX and a new XXXX.. Gave me a price of XXXX approx. I agreed. They made the XXXX and could not get them to fit. The next time I went back there was a new XXXX there and he said we had to have new XXXX. We made new XXXX and the XXXX did not fit and he proceeded to put a XXXX for another XXXX on my one XXXX XXXX to hold the XXXX. He made another impression for the XXXX, we got that and he could not get either the XXXX XXXX or the XXXX to fit so they didn't hurt. I continued to go back several times with no luck. It is nowXX/XX/XXXX. 9 months I have been going to this XXXX. I made an appt. and returned the XXXX on XX/XX/XXXX. I had to have financing for these XXXX and got a loan with their company XXXX XXXX which is XXXX XXXX. The problem is with the finance company now. XXXX XXXX took my balance down to the price of the XXXX XXXX but the finance company is still demanding that I pay a XXXX payment for XXXX. I fought with them and they took over XXXX off the bill because I was paying all that time for nothing. I am more than happy to pay the XXXX bill I owe for the XXXX with a XXXX monthly payment that they told me it would be I have made XXXX and XXXX payments and they are still demanding that I pay the XXXX for XXXX. I have agreed to pay them XXXX for that month but they are refusing. In the meantime they are reaming me with late payments huge interest and say I owe them more money than I do. They have also lowered my credit score with their report. I would appreciate any help you may be able to give me to get this corrected. I live on social security and would be more than happy to pay the correct amount due.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Ia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/21/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Card opened as result of identity theft or fraud
TX
77004
Web
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
09/07/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
IL
60035
Web
SUMMARY : I placed two orders, two days apart on XX/XX/XXXX and XXXX, 2020 respectively.
I NEVER received these two shipments. These shipments presumably came during the state Covid pandemic shutdown by Gov. XXXX. I usually placed 3-4 orders per month from XXXX XXXX. ( Very few shipments came whole. Lots on back order. Hard to keep track. Cards would come in the mail stating back order dates had new back order dates. Some merchandise was cancelled to me, but, still sold through their catalog.
TIMELINE : I got my monthly statement from XXXX XXXX on XX/XX/2020. I noticed two charges in the amounts of {$170.00} and {$120.00} for which I have no merchandise to show for these charges. These total {$290.00} On XX/XX/2020 I called Comenity Bank who handles XXXX XXXX charges. They forwarded me to customer service reps, dispute resolution supervisors a total of at least 6-7 people over 4.5 hours on this date alone. The amount of hang ups, wait time on hold, etc was insanity. The last person who spoke to me said everything now is a final sale and I must pay whether I got the merchandise or not.
On XXXX through XX/XX/2020, I called Mr. XXXX XXXX, CEO of XXXX XXXX XXXX which XXXX XXXX is part of. I never received a phone call, voicemail, email from anyone from XXXX XXXX or XXXX XXXX. My last message stated that if I didnt hear from someone that I would contact anyone who would listen about how they conduct business. Still, no call.
CONTACTS : XXXX XXXX XXXX Comenity Bank XXXX Mr. XXXX XXXX, CEO of XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX ) XXXX ====================== IN ADDITION : When I received my XX/XX/2020 statement there were three charges for items I never ordered.The amounts they charged me were : {$91.00} ; {$110.00} and {$83.00} for a total of {$290.00}.
ALSO : When I went to access my account, on line, they deleted my entire order history with them, going back over two years.
12/13/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
ME
04736
Web
On XXXX/XXXX/XXXX I purchased an engagement ring at XXXX XXXX for the amount of XXXX and made a down payment of {$600.00}. I opened up a store credit card on that day and it was zero interest. Then on XXXX/XXXX/XXXX I purchased the matching wedding band for the amount of XXXX again I used the store credit. I asked the salesman who happened to be the manager of I needed to make a down payment. He replied " No you do n't because you made a down payment on the ring you had purchased earlier '' he also informed me that I would not be charged interest and that this ring was part of the promotional plan.
Anyways a few months go by and I check my statement online this was sometime in XXXX. I make an account on XXXX Banks website. The people who financed my purchases and I notice I am being charged interest on the last purchase I had made. I called Comenity bank and filed a dispute through them. A few weeks later I notice I was charged interest again. So I called and filed another dispute this time I was on the phone much longer and the representative seemed a lot more helpful and informed me that I should see something in the mail in a month or so. On XXXX XXXX I recived a letter in the mail stating that they are not going to make any changes to me bing charged interest since it has been 60 days since I made the purchase.
I called Comenity bank XXXX/XXXX/XXXX and asked why they would n't make any changes I was then informed that they supposedly sent me a letter saying they would n't be charging me interest if I could provide a receipt showing I made a 20 % down payment on the last purchase I had made. I explained that when I made the purchase the XXXX at XXXX 's told me I did not have to put anything down since I had made an earlier purchase and that I was not going to be charged interest on this purchase. Anyways long story short Comenity Bank refused to help me or make any changes.
09/13/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Public record information inaccurate
CA
90249
Web
In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that Experian is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing XXXX accounts, on the summary page of my credit report, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever.
Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so.
NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable.
Under the NOTES section of my credit report, XXXX added derogatory notations about my address for which I never gave them permission to do add. They have damaged my credit report with reporting XXXX accounts as LATE PAYMENT AND they furthered added insult to injury by reporting my address, that I have used for over 7 years, as a " high risk '' address. '' I do not understand WHY this company feels so free to report ANYTHING on my account without fear of repercussions. These blatant VIOLATIONS MUST STOP.
01/23/2017
Yes
Credit card
Identity theft / Fraud / Embezzlement
FL
33186
Web
COMENITY BANK/VCTRSS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you COMENITY BANK/VCTRSS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMENITY BANK/VCTRSS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
12/19/2017
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NC
28210
Web
Servicemember
XX/XX/XXXX I made a payment to pay my XXXX XXXX account. The payment was not received. I did not have to make a payment over the phone amid this because I filed a complaint over the phone with XXXX XXXX. Upon calling the investigation of the XXXX XXXX took two months. During this time I waited and did not make any payments because I was told that the payments we 're going to be refunded and plus I made the payments. I just waited for those reasons to make the payments. The result was that XXXX XXXX lied, and what happened when I called the bank about this was the dispute took two months. After filling the complaint there was nothing left to pay because I made the payment. XXXX XXXX charged me for two months nonpayment and then charged me a late fee as a result. The next billing cycle I called to get a PO box for the payment and was given a PO box number. I set up my bill payment to go to that PO with XXXX XXXX and that was it. I began getting calls a month into the next billing cycle about nonpayment and the calls did not end for two weeks. The calls ended in XXXX upon a XXXX dollar payment through XXXX XXXX bill pay. Once the update about the payment not going through was recieved, XXXX XXXX, said they never received a payment for my XXXX XXXX account. I asked why were n't the payments received. They told me that they did n't receive the payments because of the bank. This was the second time in four months they used the same tactic to get the money before the business month ended. I end up paying XXXX dollars the XX/XX/XXXX and the payment was set to arrive the XX/XX/XXXX. Initially, I the payments were n't received and XXXX XXXX charged me another XXXX dollar late fee. Totaling XXXX dollars again for failure to pay. Over a year 3 years this company has done this to get the money before the end of a payment cycle. My credit has been devasted due to late charges from XXXX XXXX.
07/10/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
FL
33935
Web
Commenity Bank XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. Commenity Bank offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX XXXX in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with Commenity Bank, XXXX XXXX XXXX, XXXX, XXXX, and XXXX to no avail.
11/13/2017
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
IL
60035
Web
I am contacted the CFB regarding XXXX XXXX XXXX, FTC file # XXXX. Company was sent 3 dispute letters by me. XXXX never provided a debt validation or any acknowledgment of it. Instead, they knowingly lied to the FTC and stated that they provided me a debt validation twice, one on XX/XX/XXXX & another again on XX/XX/XXXX. Both statements provided by XXXX were false. I am filing another FTC complaint against company for falsely stating they provided me with enough proof of the debt ( ex : debt validation ) when they did not. Company has mocked the power level and senses of the FTC by failing to do what is required of them by law : provide a debt validation within 5 days of receipt of my dispute letter. However, they sent nothing but a bill and advised me in writing that I owe the debt-NO Validation provided. The company in their response on XX/XX/XXXX complaint # XXXX, stated that prior to receiving notice from CFPB, they never received a response from me, however they signed and received my dispute letter sent certified mail thru usps tracking # 's XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I am re-filing a complaint against company for stating they provided me on 2 instance with a debt validation when company did not provide me with anything besides a settlement letter that was a bill, a general statement letter from XXXX XXXX, and a verbal written notice from XXXX XXXX-Division Manger, stating I owe the debt, with a charge-off letter attached. NO DEBT Validation. Company 's like XXXX who fail to comply with the FDCPA when contacted with disputes, to then classify written letters and billing statements as debt validations should be shut down! I did not obtain an account from Victoria 's Secret/Comenity Bank! I have been asking for a proper debt validation that company has failed to provide. Instead, XXXX lied to CFPB and stated they provided it! Wrong & FALSE INFORMATION!
06/29/2020
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
GA
30080
Web
This complaint is made against Comenity Bank and XXXX XXXX. The last purchase made at the XXXX XXXX retail store in XXXX, GA was XX/XX/XXXX for {$130.00}. Since that time, there have been no additional purchases. The current balance due as of XX/XX/XXXX is {$970.00} due to late fees, and a predatory interest rate of 26.49 % Contacted Comenity Bank ( XXXX, OH XXXX ) XXXX to request a settlement on this outstanding debt. Multiple attempts to get a settlement option have been unsuccessful. Each time being told that was not an option. On XX/XX/XXXX, I was transferred multiple times, spoke with 6 representatives and requested a settlement offer from each of them. I was told repeatedly that a settlement was not possible -- since a partial payment was made on XX/XX/XXXX. No additional payments were made, the account was again in arrears on XX/XX/XXXX when I called Comenity Bank and attempted to negotiate a settlement to resolve the debt. Again I was transferred and spoke with 3 representatives, the last was a supervisor, " XXXX '' who was curt and dismissive. I would like to settle this debt for far less than the current {$970.00}. since the original bill was only {$130.00}.
On XX/XX/XXXX I called and spoke with XXXX who offered an option but could not provide a confirmation in writing before the payment was made that it was to be a final settlement. Given the recent difficulty this is unacceptable.
Here 's the backstory -- in XXXX I relocated from XXXX, GA to the XXXX XXXX area while my home was being renovated. I had a XXXX XXXX in XXXX I am very embarrassed and somewhat distraught over the neglect of this account. The balance increased on this account due to late fees and interest charges. This is a request to remove and or significantly reduce all bank fees and interest fees.I am willing to settle and close the account. Thank you for your assistance in resolving this matter.
05/27/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CA
93263
Web
Back on XXXX of 2019, I found out there was a 30 day late payment being reported on my Commenity Bank / Victoria 's Secret credit card. I found out because I received a call saying I was late. Since I had been paying them on time every month since I opened the card a year prior, I told them that was impossible. I know I pay my card every month so there must be a mistake. After a long and heated conversation with the representative who called me, they said there was nothing I could do about it. The representative said I was late because funds were attempted to be withdrawn and they could not do so for insufficient funds.
I called my bank which is XXXX and asked about declining a payment to Commenity bank. XXXX asked me for the date and I told them the appropriate dates. They reviewed their records and informed me no attempt to withdraw funds was ever made by Commenity Bank for those time periods. Afterwards I called Commenity Bank and informed them what XXXX said. Commenity Bank didn't want to hear it and told me there was nothing I could do. I went back and forth between Commenity bank and XXXX for some time and they would both tell me the same thing. Commenity Bank claims there was insufficient funds and XXXX claims there was no attempt whatsoever to have funds withdrawn. After a while I was fed up so I disputed the account with the credit bureaus. The credit bureaus came back saying this account was verified and no changes would be made.
I know this may not seem like a big deal to Commenity Bank, but its a big deal to me. I make my payments to them on time every month and to hurt my credit report when I know I made the payment on time is just frustrating. Especially when my own bank tells me they have ways of knowing if withdrawal attempts were made and not a single withdrawal attempt was ever made during the time of this 30 day late payment. Please help me with this.
04/17/2017
Yes
Credit card
Credit line increase/decrease
IL
60613
Web
On XXXX XXXX XXXX , I requested a credit line increase after confirming multiple times with two agents that the credit line increase would not result in a hard hit to my credit bureau. Soon after, I reviewed my XXXX report and noticed that a hard inquiry was in fact posted to my credit bureau. I then notified Comenity Bank ( " Comenity '' ) via telephone, explained the situation, and asked that they review the calls and my account to validate that they in fact stated this would not be a hard inquiry. The supervisor I spoke to informed me there was nothing he could do. I then wrote a letter to Comenity explaining the situation, and I received a response in Comenity that stated they reviewed my account and everything was correct, with no discussion of listening to the calls. At this point, I notified the CFPB of my complaint and my situation. The CFPB then forwarded the complaint to the FDIC. The institution FINALLY conducted the research I requested several times and provided a response ( attached ) stating that the following occurred : - Bank associates incorrectly stated a hard inquiry would not occur ; - Several instances where a Bank associate did not address [ my ] concerns or adequately resolve this matter ; - Associate did not read the proper disclosure to [ me ] when they processed [ m y ] request for a credit limit increase ; and - A request was sent to the credit reporting agencies to remove the inquiry from [ my ] credit file within 45 calendar days. Comenity 's response was sent on XXXX XXXX XXXX , and the hard inquiry still appears on my credit bureau. I recently contacted Comenity, and XXXX XXXX notified me there is nothing further that he could do. Under the Fair Credit Reporting Act, they did not have permissible purpose or permission to access my credit bureau, and therefore, incorrectly posted a hard hit to my bureau report.
06/25/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
NY
11694
Web
I WAS ABLE TO CORRECT MY PROBLEM, BUT I BELIEVE THEIR PRACTICES ARE UNCONVENTIONAL AND NEED TO BE OVERSEEN.
THE XXXX CREDIT CARD PROGRAM-COMENITY BANK.
I PURCHASED ITEMS XXXX AND XX/XX/XXXX. I WAS READY TO PAY WITH MY CREDIT CARD, BUT I WAS INFORMED THAT THEY HAD A PROMOTION FOR 0 % INTEREST. I SET UP RECURRING PAYMENTS ON MY CHECKING ACCOUNT, SO COMENITY BANK WAS RECEIVING MONTHLY PAYMENTS FROM ME. I NOTICED THAT I HAVEN'T BEEN RECEIVING STATEMENTS FROM THE CREDIT CARD COMPANY AND WANTED TO SEE HOW MUCH I STILL OWED. I FOUND OUT THAT THE XXXX BANK STATEMENT WAS RETURNED AND THEREFORE THEY STOPPED SENDING ME STATEMENTS. I CALLED UP ON XX/XX/XXXX. I WAS TOLD THAT THEY WILL SEND ME THE NEXT STATEMENT ON XX/XX/XXXX.
I BEGAN TO ASK QUESTIONS AND DISCOVERED THEY ADDED ALL THESE PROMOTIONAL CHARGES, AND INTEREST FEES OF 30 % SINCE THE PROMOTION ENDED AND I DIDN'T PAY OFF THE TOTAL AMOUNT. THEY TOLD ME THAT THEY REMOVED THEM. THEY WOULD NOT SEND ME THOSE PAST STATEMENTS SO I CAN RECONCILE THE AMOUNTS. I WAS TOLD TO LOOK ONLINE. I WAS TOLD THAT I HAD TO PAY OFF {$1200.00} DURING THAT PHONE CONVERSATION OR ELSE THEY WOULD NOT REVERSE THE CHARGES. I DID THAT UNWILLINGLY BECAUSE I HAD NO WAY OF KNOWING IF THEY ADDED EXTRA CHARGES OR FEES. I WAS PAYING BLINDLY. AFTER THAT CONVERSATION I OPENED UP THE ACCOUNT ONLINE FOR THE FIRST TIME AND I SAW THAT THE STATEMENTS WENT UP TO XXXX XXXX. TODAY I CALLED AGAIN ASKING FOR THOSE PAST STATEMENTS AND " THEIR SYSTEM COULD NOT ACCOMADATE IT '' THE REPRESENTATIVE ON THE PHONE WAS ALSO NOT ABLE TO SEE THE XXXX TO XX/XX/XXXX STATEMENTS.
I CAN'T UNDERSTAND WHY A BANK WOULD NOT SEND MORE STATEMENTS OR POST THEM ONLINE AFTER ONE STATEMENT WAS RETURNED TO THE BANK! THEY COULD HAVE CONTACTED ME THROUGH EMAIL OR PHONE OR MAIL. I NEVER MOVED. SOMETIMES MAIL GETS LOST. I WANTED TO HAVE THIS ON FILE SO OTHER CUSTOMERS DONT HAVE TO GO THROUGH WHAT I DID.
10/30/2020
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
NJ
07071
Web
Older American
The company is Comenity Bank for XXXX XXXX. I with my mother, the owner of the account reached out to make amends for a missed payment while she was hospitalized. We expressed our wish to pay the account in full and close the account. The rep gave me a reduction in late fee of {$15.00} and gave a balance due of {$50.00}. He then closed out the account. I mailed the check and it was cashed on XX/XX/XXXX. My mother remained in a rehab facility out of her home state until XX/XX/XXXX at which time she moved into NJ. Twice an address forwarding form was completed. both by mail and online, and the postmaster general was contacted, however she received no forwarded mail. Forward to XXXX XXXX and she has received multiple phone calls that she owes {$340.00} to Comenity Bank in late fees and finance charges. No paper statements or verification of debt was sent. No appraisal of right to dispute was received. She was intimidated on the phone with being sent to collections if she didn't pay over the phone. Several attempts were made by my sister and myself to dispute the validity of charges and refund her money. I explained twice that the fees were excessive and violated the CARD act of XXXX because the late fee exceeded the minimum payment, twice I was told that's not true and doesn't exist. Furthermore no statements are available to review online past XXXX. There are just transactions for a minimum finance charge of {$2.00} and late fees of {$35.00} and up. We in good faith tried to rectify this in XXXX for a jacket that originally cost {$36.00}. We will agree to pay the last late fee that was charged in the XXXX statement and wish to get a refund of {$89.00} that she was intimidated into paying over the phone. Senior citizens shouldn't be subjected to these bullying tactics over the phone, nor should any citizen be prey to deceptive and abusive charges at the mercy of these banks.
01/23/2017
Yes
Credit card
Identity theft / Fraud / Embezzlement
FL
33186
Web
COMENITY BANKXXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you COMENITY BANKXXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMENITY BANKXXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
12/12/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
LA
70114
Web
The first time the incident occurred I contacted the company, XXXX XXXX 's credit protection company via email at XXXX for assistance with my Account XXXX XXXX XXXX. As I'd signed up for the insurance protection on my account and had used the benefits previously, the most recent time of need I was denied. The company stated that I did not qualify to use the benefits once I was laid off from my job due to the fact that I worked for a temporary agency. I called and spoke with someone via phone and asked for clarification of my denial because I've worked for the temp agency for over 2 years and also when I signed up for the credit card, plus enrolled in the protection plan at the time my card was approved and opened, I was working for a temporary agency and it wasn't a problem then. I was making my payments on time and now that I needed to use the protection plan I was being denied. Upon searching for more information I found an old benefit request which was granted approved back in XX/XX/2016, I was working for a different temp agency, so why now am I being denied? If you can't work for a temp agency and utilize the benefits you're paying for that should be disclosed before offering and accepting monthly payments or enrollment for this service. If that was the case, then why did they approve my application for benefit usage during another time as a temp agency worker? The problem is that XXXX is reporting negative information to the 3 bureaus for the 2 accounts I'd had with them and they closed ( XXXX XXXX & XXXX XXXX & XXXX credit cards ). I've disputed both accounts and I've sent in written explanation via USPS to all 3 bureaus yet they all came back as verified and updated within 1 week. How can an investigation be done that fast and proven ( as they say ) that my account was verified? Not fair and I am unsuccessful as trying to get this problem resolved, please help.
11/14/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
NJ
08096
Web
XX/XX/XXXX I received a email from XXXX stating that my Victoria 's secret card had dropped my score down 33 points on the credit report they're reporting that it was not paid in 3 months which I'm on a hardship program that allows me to pay {$20.00} a month for the payment I have been paying the payment for the last 3 months I did not make XXXX XXXX payment but I was going to make it on Sunday and they are reporting that I'm 3 months behind when I am not I've repeatedly called Victoria 's secret to tell them that my account is being reported in the accurate they said I need to take it up with the credit bureau I've disputed it with the credit bureau and the credit bureaus telling me that I have to take it up with Victoria 's secret and right now they're causing my credit score to go up and down for the last four months they have been going back and forth into my credit reporting and taking my score down 33 points one time 25 points one time 50 points almost one time before this and it is an abuse the account is closed I've been asking them to remove the account the credit for the account was {$300.00} that turned into almost {$900.00} worth late fees and finances fees.this card has been closed for over three years and I've been paying to try to get the card back down to the lowest credit utilization so that way I can maintain a balance of {$300.00} which was the original credit amount this credit card company has been nothing but a pain because they do not do anything to help the consumer I've been calling them for the last month or so just in reference to them going into my checking account to take out {$20.00} when it was already paid I would like to dispute this one again and file a complaint as formal complaint this time because I'm going to consult a lawyer after this because I can't get any result from Victoria 's secret neither the consumer finance government.
11/10/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
MI
49015
Web
XXXX refuse to conduct a proper investigation from my dispute, and delete account reporting by email COMENITYBANK/VICTORIA.
The following are the reason ( s ) why COMENITYBANK/VICTORIA should be deleted from reporting with XXXX : This account is too old to collect and/or report an open and closed debt in the state of Michigan. Therefore, should be deleted.
Michigan Limitation of Actions For most collection actions, there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan, the filing of a breach of contract and/or open account action, for default of a credit card agreement, for example, must be done within the 6-year Statute of Limitations. MCL 600.5807 ( 8 ). The relevant date for determining when the six-year Statute of Limitations begins to run is the date of the last activity on the account, whether it be a purchase or a payment made. For a debt arising out of the sale of goods which is governed by the Uniform Commercial Code ( UCC ), a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario, a cause of action occurs when the breach occurs, regardless of the aggrieved partys lack of knowledge of the breach. MCL440.2725 ( 2 ). Civil judgments in Michigan expire 10 years after the date of entry, but may be renewed for another 10-year term if a motion to renew judgment is filed and an order entered prior to its expiration date. MCL 600.5809 ( 3 ). In order to collect upon a judgment entered in another state, where the judgment-debtor is now living in Michigan, it is necessary to first domesticate the judgment in the appropriate Michigan court . A foreign judgment domesticated in Michigan is subject to the same 10-year date of expiration from the date of domestication, unless renewed by motion prior to its expiration date. MCL 691.1173.
03/15/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NY
12528
Web
I mailed a check via USPS in plenty of time approximately XX/XX/XXXX to be received by XX/XX/XXXX at Comenity XXXX XXXX XXXX XXXX XXXX TX location. I mailed the check USPS on time as usual in plenty of time.
Comenity charged me a late fee and interest.
During the time between XX/XX/XXXX and XX/XX/XXXX there were severe weather disruptions however Comenity claims they did not affect them ( XXXX ). Therefore they did receive the payment on time according to the USPS they would have received the bill in 3 to 4 days.
USPS says they had no delays.
Therefore because the federal government claims my check was not delayed I believe Comenity made errors, misplaced, temporarily lost, or had problems due to the weather that would have caused this - none of which are my fault.
I want full reimbursement for their errors, a credit of {$29.00} for the late fees plus the interest back of {$41.00} I was overcharged for. The reason I claim this is a overcharge is that my payment was received, while they claim they did not " process it '' until XXXX I am certain they received the check USPS about XX/XX/XXXX or XX/XX/XXXX based upon XXXX United States Post Office tracking of that routes typical time in transit.
Regardless, as you may know, the United States Government accepts the USPS pay date for taxes and official matters as the date post stamp on the envelope, therefore I want Comenity change the date of receipt to on time and refund all my fees and interest.
Additionally I would like them to pay a fine typical of this type of minor investigation, unless this is a recurring issue for Comenity, I am not knowledgeable about the CFPB internal process.
No other resolution is acceptable to me. If the CFPB can not negotiate my settlement for the {$70.00} I would like to be referred to other agencies who I can also file complaints with such as the XXXX or state regulators.
11/21/2017
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
AL
35216
Web
Around XXXX XXXX, 2017, I signed up for a Ann Taylor XXXX in my local XXXX Alabama store. I was told the XXXX account would be automatically merged into my existing Ann Taylor card account with Comenity Bank. I went online to pay my card balance and it was not reflected in the balance. I called customer service and was told it 'd be resolved. Within two weeks, I started receiving harassing phone calls from random unidentified numbers. They never left messages. I would 've responded if they had left a voicemail. The frequency of calls increased within another week from 2 phone calls a day to 10-15 a day everyday. They always originated from a Caller Unknown Number on my cell phone and never left a message. Finally, out of pure exasperation, I answered the tenth phone call today on XXXX XXXX, 2017, from an Unknown number. At first, there was no answer but then a woman asked for my name and said she had official business. I asked from whom and she was reluctant at first to say whom. Finally she stated she was calling from Comenity Bank, claimed I was late and demanded I make a payment immediately. I explained all the aforementioned issues. She said that it wasnt her department and that I needed to make a payment tonight. I said I did n't feel comfortable giving sensitive payment information to someone I couldnt verify over the phone, and demanded that the robocalls stop. She said they would n't and she did n't have any control over that. I again explained that my accounts were never merged and that I never received notification of non payment. She still insisted I pay over the phone even though she never verified her identity. I said I would call in the morning and make a secure payment through a verified customer service line and agent. She told me the calls would n't stop until I made a payment. Frustrated and trying to explain that the issue was theirs, I hung up.
12/24/2018
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
NY
10457
Web
I have had XXXX card for about 10 years. History on the card is good. The last time I tried to use this card in XXXX, I was told that I could not. No explanation except that I had to run my credit again. This is not acceptable. If I have had a card for many years and responsible with it, then why would I need to reapply through a credit check for it, if it were not closed. This was in XX/XX/XXXX. Also in XXXX I was unable to use it and the account was open! No correspondence before detailing the specifics of the account or any changes were sent to the account holders address and no explanation was made since then, even after a call to the card services number. This has still not been resolved! They have not offered any explanation as to why a good standing account holder would need to run credit again! Also, if they were concerned with my high limit, then they could inform me the concerns in writing and any potential changes such as a decrease in my limit -this would still not be right, but at least I would be able to use it. I am unable to use this card unless I submit to a credit check, when I already submitted to one when I opened the card about 10 YEARS AGO. I do not understand this and the customer service is off, because when I went into the XXXX store in XXXX XXXX where this happened last year, I was subjected to waiting on line and on hold and told I needed to give personal details to use the card, while on-line in the store and uncomfortable to do so. This is not responsible for the creditor to do and I would like some explanation on why I can not use my card, when it is in good standing and being forced to submit to a credit check, when I have had the card for about 10 years and already had the required credit check then when it was opened. Why is my account being wrongfully targeted for this treatment? Is there some bias against my account in some way?
04/18/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with balance transfer
CT
06074
Web
Complaint against : ( 1 ) XXXX XXXX XXXX that handles my XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, Phone : XXXX and ( 2 ) XXXX XXXX , XXXX. ( third party biller for XXXX XXXX XXXX ), XXXX XXXX XXXX , XXXX, FL XXXX, phone : ( XXXX ) XXXX Here is a chronological order of events that have taken place so far, ( a ) A balance transfer of {$8700.00} was requested by me in XX/XX/XXXX from my XXXX credit card to my XXXX XXXX XXXX credit card. Subsequently, a cashiers check for {$8700.00} was issued by XXXX XXXX XXXX 's third party biller service XXXX XXXX and sent to XXXX XXXX XXXX credit card.
( b ) The check was deposited in my XXXX XXXX XXXX credit card on XX/XX/XXXX ( c ) On XX/XX/XXXX, XXXX XXXX XXXX card decided to reverse this transaction. So, XXXX XXXX XXXX mailed a cashiers check for {$8500.00} back to XXXX XXXX. XXXX XXXX XXXX cashiers Check Number XXXX, dated XX/XX/XXXX ( d ) XXXX XXXX XXXX received this check on XX/XX/XXXX and deposited in their XXXX XXXX XXXX, Bank # XXXX, and sequence XXXX.
( e ) However, his amount of {$8500.00} was never credited back to my XXXX XXXX XXXX by XXXX XXXX XXXX.
( f ) In the last 16 months, I have written 6-7 times ( certified mails ) to XXXX XXXX XXXX about this issue. They have always replied that " they never received any check for {$8500.00} ''.
( g ) I spoke with XXXX XXXX in XXXX XXXX on XXXX. Upon checking her records, she indicated that {$8500.00} was in fact transferred to XXXX XXXX XXXX through ACH. She indicated having proof of XXXX XXXX XXXX ACH debiting XXXX XXXX for the amount of {$8500.00}.
After 16 months of getting a run-around by all involved parties in this issue, I am completely frustrated and filing this complaint. I am requesting that this amount of {$8500.00} be credited to my XXXX XXXX XXXX ASAP. I am also asking that I be credited the balance transfer fee of {$87.00} as well.
03/12/2020
Yes
Debt collection
Medical debt
Communication tactics
Frequent or repeated calls
MO
64012
Web
From late XXXX ( maybe XX/XX/XXXX ) through early XXXX ( maybe XX/XX/XXXX ), Comenity Bank -- via XXXX XXXX -- harassed me in a way I have never experienced from a debt collector. I've attached 40 screenshots just from my phone from the various numbers they would use, of which approximately 1/3 to 1/2 were from blocked numbers, which I understand to be illegal. Oftentimes, they would call back to back, five times a day. I did not collect these screenshots, but they would often call my husband, too, at XXXX.
I do not traditionally answer unknown callers because I have a dangerous stalker situation and that person was known to call from unknown numbers. However, they had not done so for over a year, and suddenly, this arose. Obviously, at first, I thought that the unknown numbers were them trying to call me, intermixed with the debt collector trying to contact me as well.
For a variety of reasons, all of my incoming and outgoing calls are automatically recorded as Missouri is a one party consent state and I am diagnosed with memory impairments. Finally, one morning when I had gotten something like 4 or 5 unknown calls back to back, I decided enough was enough and picked up my last unknown call. I was absolutely floored when it was not my stalker, but a representative of Comenity Bank. That recording is attached.
The calls have stopped since then, but obviously, XXXX and Comenity Bank are well aware that these actions are illegal. They were just " banking '' on not being caught. These laws exist for a reason, and these attempts caused me considerable distress that flared up some old wounds. As I understand it, a board member for XXXX XXXX is responsible for the creation of XXXX XXXX. I am deeply disappointed that such a prestigious company would be involved in such low-level debt collecting practices, particularly when our bill was due on the XXXX of XXXX.
10/17/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
92803
Web
While reviewing my XX/XX/XXXX XXXX credit card statement which is issued by Comenity Capital Bank, I observed an unauthorized charge on the amount of {$390.00} from XXXX XXXX XXXX. Since this charge was not authored by me I contacted the bank and i filed a dispute. After filing the dispute i waited about 3 weeks to find out the status of the dispute and at the time I learned that the dispute was not filed by the bank.
On XX/XX/XXXX I filed again a dispute for the same aforementioned charge and this time the dispute was filed. Since the bank 's policy is 30 days to investigate the dispute and to give a resolution I called them back on XX/XX/XXXX to follow up on my dispute and at that time I was told that they were still investigating the dispute to call back in a couple of weeks.
On or about XX/XX/XXXX I called the bank again to check about my account and the answer is the same, we are still investigating.
After that called I being calling almost every 2 to 3 weeks .and the answer is still the same.
The bank has violated their credit card agreement as their agreement clearly states that in 30 days the disputes will be resolved. It is already 8 month and the dispute is still being investigated.
Their customer service is horrible and their negligence is affecting me financially as they have not even issued a temporary credit and the disputed amount is still my responsibility. This bank dont have any sense of urgency and they dont understand the damage they are causing me and they dont understand the legal complications that violating their credit agreement can bring to them.
Finally, since I filed the dispute for second time I have not received information at all from the bank in writing in regards to the dispute.
Since they are taking serious this matter I am involving for the regulatory agency to take action and to enforce their credit card agreement.
08/17/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
CA
91911
Web
Comenity Acct # XXXX & XXXX XXXX # XXXX - These accounts were disputed during the 7 day rescission period. We have provided the tracking info, the original rescission letter, and the purchase agreement. The documents specifically have the " Notice to Cancel '' page where we have provided in detail the story of events. On XX/XX/XXXX we bought the timeshare, which included Comenity Bank XXXX we were told it was XXXX XXXX ). On XX/XX/XXXX we certified mailed the cancellation letter to the resort because they did not accept hand delivered cancellation letters. The letter was received and signed for. On XX/XX/XXXX, we mailed out another certified letter upon arriving home from our vacation. This letter was signed for and has certified delivery as well. These are both postmarked within the cancellation period of the purchase agreement with XXXX. We sent out a third letter to Comenity Bank to notify them to close the account and that we have already cancelled the XXXX account which also have certified delivery. Both of these companies have refused to close the accounts, and continuously bill us monthly, including late fees charges. They are threatening to place us into collections with direct statements of using " legal action against us ''. We have been constantly requesting them for all account documents. Our rights under Fair Credit Billing Act of 1974 are deliberately being ignored. There is improper billing, our financial information has been shared without our permission, and our rights are clearly being violated. With these account still in an open status this is a willful attempt to defraud us and a clear violation of many of our consumer protection laws. There has been 6 months of continual abuse and willful neglect that is causing massive financial, emotional and physical harm. This neglect to this matter must stop, and we are in desperate need of aid.
04/17/2021
Yes
Credit card or prepaid card
Store credit card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
CA
94931
Web
I have two store credit cards offered by comenity bank. My accounts have always been in good standing and I had both cards longer than 1 year. After the shelter in place order went into place in XXXX of XXXX, I was forced to close my small business in XXXX XXXX. I lived off of my savings for 3 months and continued to pay my bills until that income ran out. At that point, I called all credit cards and asked for options. Most of my cards negotiated and my accounts remained current. When I called to negotiate the terms for my XXXX/Wayfair cards, representatives would not reduce late fees. The balance for not paying for a few months on both cards was too much for me to pay. I had to prioritize what little money I had in order to continue to live. A few months later, I applied for unemployment XXXX XX/XX/XXXX ). I then called to negotiate terms for both cards once again, but the representatives said they could not remove late fees resulting in minimum payments I still could not afford on my EDD fixed income ( XXXX XXXX XXXX. Now both card balances have DOUBLED and the minimum/past due balance is more than I receive in unemployment in a month. Not to mention both cards are being reported as charge offs. My credit score has dropped over XXXX points and continues to go down. I have been harassed by phone regarding these cards and honestly can not believe the predatory practices which began during the pandemic. Not only was my business forced to close, I couldn't pay for my bills, I lost my apartment, and now my credit score is ruined. I was forced to stay home because of a XXXX. Banks who most likely received some sort of bailout funding because of financial hardships have no right continuing to add interest and late fees when a person is struggling. ESPECIALLY, if the accountholder was always in good standing when there was no pandemic/shelter in place order.
09/18/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
PA
19149
Web
Older American, Servicemember
On XX/XX/18 I purchased a XXXX recliner. Their Sales Associate, offered me a 14 % discount if I opened a credit account. So I agreed, and purchase several other items as well. The paper bill arrived on XX/XX/18 and it was paid in full on that very same day, online, via my Bank.
Sometime later, I used my credit card again, to purchase a gift for a friend. I dont remember what date that was, since Ive never received a bill for it. And since I never received a bill, I totally forgot about it. I was made aware of it, when I received an email on the evening of XX/XX/2018. I called the number indicated, but the offices were closed. I called back the morning of XX/XX/2018, and was told that I owed an overdue balance of {$100.00}. which was a total shock to me. That amount was the total cost for a {$49.00} purchase and two months of late fees.
Well, I never received a bill. Apparently, the e-bill went to my Spam folder and disappeared after a few days or so, because I never open spam mail. I never received a late notice in the mail. And I never received a courtesy call notifying me of an overdue bill. I had no idea this was going on. As soon as they made me aware of it, I paid the {$49.00} that day online, via my Bank. I called the Credit Department back again, yesterday, requesting that they remove the late charges and the 30-day delinquent post on my credit history ; they agreed to remove one of the late charges but were unable to remove the delinquent post. So I immediately paid the remaining late charge of {$22.00}, and my account is now paid in full. I was directed to contact their credit department in writing to dispute this erroneous delinquency, and request the removal of the 30-day delinquency of my account. All of this has been a result of miscommunication, as I would never intentionally NOT pay a bill that I owed. They have flatly refused to do so.
08/17/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
CA
91911
Web
Comenity Acct # XXXX & XXXX XXXX # XXXX - These accounts were disputed during the 7 day rescission period. We have provided the tracking info, the original rescission letter, and the purchase agreement. The documents specifically have the " Notice to Cancel '' page where we have provided in detail the story of events. On XX/XX/XXXX we bought the timeshare, which included Comenity Bank ( we were told it was XXXX XXXX ). On XX/XX/XXXX we certified mailed the cancellation letter to the resort because they did not accept hand delivered cancellation letters. The letter was received and signed for. On XX/XX/XXXX, we mailed out another certified letter upon arriving home from our vacation. This letter was signed for and has certified delivery as well. These are both postmarked within the cancellation period of the purchase agreement with XXXX. We sent out a third letter to Comenity Bank to notify them to close the account and that we have already cancelled the XXXX account which also have certified delivery. Both of these companies have refused to close the accounts, and continuously bill us monthly, including late fees charges. They are threatening to place us into collections with direct statements of using " legal action against us ''. We have been constantly requesting them for all account documents. Our rights under Fair Credit Billing Act of 1974 are deliberately being ignored. There is improper billing, our financial information has been shared without our permission, and our rights are clearly being violated. With these account still in an open status this is a willful attempt to defraud us and a clear violation of many of our consumer protection laws. There has been 6 months of continual abuse and willful neglect that is causing massive financial, emotional and physical harm. This neglect to this matter must stop, and we are in desperate need of aid.
07/08/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NJ
08007
Web
On XX/XX/2021, I received a notification through XXXX XXXX ( I use them for credit monitoring ) that there was a new hard inquiry on my XXXX credit report under " Comenitybank/XXXX '' dated XX/XX/2021, however I made no such inquiry. I'm not sure if this information is applicable or useful, but I would like to mention that shortly before ( less than an hour earlier ) I received the notification on the new inquiry, I made a purchase in person at a XXXX XXXX location. I have the receipt for my purchase available if this information is deemed relevant to the investigation. I ran additional reports with both XXXX and XXXX, however this inquiry did not show up, and still does not appear on XXXX as of XX/XX/2021. I immediately reached out to customer service at Comenity who stated that there was no such inquiry on file in their system under either my full name or XXXX. With this information, I filed a dispute with XXXX directly on XX/XX/2021 only to receive information on XX/XX/2021 that the inquiry was factual and would remain on my report. I called Comenity customer service again ( I spoke with agent XXXX in the Fraud Department at XXXX on XX/XX/2021 ) to immediately verify that the inquiry was on file, and they again reported that no such inquiry existed. I also asked if any documentation could be provided stating that there was no such inquiry, but unfortunately they were unable to do so at this time. With that information, I contacted XXXX by phone around XXXX on XX/XX/2021, and representative XXXX verified that the dispute was processed as factual for the inquiry named Comenity/XXXX dated XX/XX/2021. She directed me to file a report with the FTC for potential fraud to work towards a resolution. I appreciate all of the help both respective teams have provided thus far, and hopefully my account of the situation can move things in the proper direction.
10/11/2020
Yes
Debt collection
Credit card debt
False statements or representation
Indicated you were committing crime by not paying debt
TN
38116
Web
Older American
Avenue closed down all XXXX of its locations a few years ago. This company before it closed down I was disputing charges on credit card not about clothes but MAGAZINES. When I opened my account several years ago the store clerk offered me magazines for 3 months only as a promotion. The promotion has turned into a nightmare. Avenue is a clothing store and not a magazine store. Comenity Bank has taken over the credit card for this company that NOOOOOO longer exist. And keep raising up my balance for some magazines I never looked at. Comenity has my payment way over {$1000.00} and on what, some magazines? They have even reported I have missed my payment to the credit bureau for a company that NO longer exist in this world. Why are they charging me interested on a company no longer exist? Avenue Stores, LLC, filed for Chapter XXXX bankruptcy protection, according to court records. A chapter XXXX debtor usually proposes a plan of reorganization to keep its business alive and pay creditors over time. Now Comenity bank is working for this out of business store and charging me like they were still in existence. They reported to the credit bureau that I missed my payment and I feel that my balance isn't that high because I barely bought clothes from that store. It's the magazines charges that I have been disputing with Avenue.Chapter XXXX is intended to help businesses and individuals with significant debt. Avenue filed Chapter XXXX because they couldn't keep up with current debt payments can use Chapter XXXX bankruptcy to create an affordable payment plan. So they going to keep charging me interested after 2 years and ruin my credit rating. Comenity Bank is a fraud and should be exposed of their practices. I want to know if Avenue store is still in Business. I'm also going to get in touch with the State Attorney general in New Jersey where they were located.
06/24/2017
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MA
02478
Web
Older American
1. Scheduled a payment forXX/XX/XXXX for full balance due of {$320.00} to XXXX/Comenity Capital Bank. Payment made through XXXX XXXX online billpayer account. 2. Received notice from XXXXComenity Bank of credit balance $ XXXX. Had not used XXXX credit card since XXXX. 3.XX/XX/XXXX - Recd notice from XXXX of ebill from XXXX/Comenity as follows : {$320.00} past due ; XXXX purchase ; XXXX finance chg ; XXXX late chg ; total bill : {$460.00}. 4. XXXX - Realized payment to XXXX had been posted to XXXX account ( both Comenity ). Notified XXXX of the error. Called Comenity, was told they would correct the postings. 5. XXXX - Returned purchase of {$110.00} to XXXX leaving a true balance of {$6.00} ( return shipping chg ). Received notice of return on XXXX completed and scheduled payment of {$6.00}. 6. XX/XX/XXXX- Checked posted activity on XXXX/Comenity. Acct. showed payment of {$320.00} and " misposted payment '' of {$320.00}. New credit balance for XXXX : $ XXXX. 7. XXXX - Checked posted activity on XXXX/Comenity. Acct. showed " misposted payment '' {$320.00} ; late payment credit - {$25.00} ; finance chg. $ XXXX. Instead of debiting the XXXX acct. and crediting the XXXX acct., they did the reverse ; and they credited {$.00} instead of {$7.00} for the finance charge. 8. Between XX/XX/XXXX andXX/XX/XXXX, I called XXXX/Comenity Customer Care at least five times. Each time the rep assured me it was a simple mistake and would be corrected. 9. XXXX - Called XXXX/Comenity Customer Care and tried again. The rep ( XXXX I.D . # XXXX ) told me the error was a simple misposting, promised to take care of it, and said to allow about a week to show up on my account. He also told me it was such an easy fix, that I should file a personal complaint against him if he did n't correct the error as promised. 10. As of XX/XX/XXXX, there has been no change posted to the account.
08/30/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Can't close your account
CA
91108
Web
Comenity, requests for assistance were made since XXXX year til now with no resolutions whatsoever then, you got took over by another company. Now the concerns seems lost as to which credit card company is responsible. You delayed assisting by seeking for details to the charges, in order to assist. When that was provided you then seek for their service contract, more in order to assist or investigate into it. Which is it? Now Comenity has been taken over by this other company. I spoke to your worker XXXX in XXXX to close Comenity accts XXXX, which were also already requested in the previous mentions to CFPB, which were not addressed. Prior to that other companys takeover. When requested to close it, XXXX explained that Comenity is now unable to close it? Comenity ruined it, again. XXXX mentioned to not close this, when contacted Comenity in XXXX so, Comenity may better assist with the concerns but still now it has not resolved the matter of many years ago delayed. Also, in the most contact to CFPB, i mentioned that XXXX does not respond to any of the requests for their contract so, unable to get a contract that you desired. Conmenity should contact them for their contract that you seek for Coverages XXXX from XXXX year. Also, few minutes ago contacted Comenity, your telephone hung the calls many times, I asked your worker XXXX to connect me to a manager, the call got hung again. XXXX mentioned to write to Disputes dept, unwilling to connect me to that dept? Conmenity should contact XXXX for whatever contract that you desire so, you may in order to resolve the matter that you delayed ; as what were provided are not enough for Comenity in order to resolve this or you are going to desire other stuff so to not return the funds? Like your first request for details then, coverages then, still no resolving the matter. Coverages # XXXX date XXXX XXXX
08/30/2017
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
TX
78230
Web
I obtain credit lines with community bank over a year ago. I have XXXX credit lines with them for Victoria secrets, anne taylor, and XXXX. My XXXX XXXX was XXXX last year right before the new year. There was no life insurance nor do I receive social security. I missed a lot of work during that time in addition to having had XXXX and my son younger son becoming ill and having to have his adenoids removed. I fell delinquent. I tried to make arrangements but what I could pay they were not willing to accept. I became displaced and had to live with a family member for a while. I reached out to them to place me on a hardship program which they could not without taking a down payment. I told them the money they were trying to collect I did not have but if they could make more reasonable arrangements I could work with them. Each time I spoke with a manager she /he promised to call me back with a resolution but they never did. I continued to call still with no resolution. Finally I called and was threatened with having my wages garnished. I advised the rep that she could not do that without first filing a law suit. I reported the incident to a manager who again apologized but no action was taken, this same manager indicated she would call me back but never did. I have since received calls from them sometimes over 20 times a day back to back. I have asked them to stop calling me if they are not willing to work with me and harassing me and the calls still have not stopped. They have been in multiple violations of the fair debt credit collection act but simply do not care. I am not nor was I ever trying to get out of the debt but I wanted to come to a sensible resolution. At this point the calls have become harassing. Once I brought it to their attention they started alternating between the types of calls ie private and then sometimes from different numbers.
04/29/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MO
64119
Web
I applied for a line of credit at XXXX XXXX for services. I only intended to spend around {$400.00} dollars, but the company pre-approved me for {$7000.00} and ended up receiving around {$1500.00} in services. The credit was through XXXX XXXX. When I received my first statement, XXXX tried to collect over {$5300.00} from me.
It turned out XXXX XXXX submitted charges for services never received for commission purposes. It took months to get my account corrected. I also filed a complaint with the MO Attorney General 's office and the XXXX because the agreement I signed was NOT for {$5300.00}, but the {$1500.00} I actually spent. That means they copied my signature to another contract ILLEGALLY! After communication between those parties, I was advised that my bill would be corrected. Additionally, they agreed to removing the promotional financing and allow me to pay my bill at my leisure ; as long as I never missed a minimum, required payment. Which I never did.
When my bill was down at {$300.00}, they tacked on promotional interest based on the initial, fraudulent, $ 5300+ bill! Again, I contacted them alerting them to the error and reminded them of the previous agreement. Instead, they only adjusted the amount of the promo interest to $ 500+. Again, I called to remind them that I was not subject to the promo interest based on the original agreement. They plead NOLO. The paperwork they provided to verify I owed this money was the fraudulent contract showing I owed $ 5000+.
My portion of the charges are likely paid in full and my min. payments are going towards promo interest I should not be paying. I just want them to honor the original resolution to the shady business they pulled! I guarantee you I am NOT the only one this happened to. I understand that the Manager and the Sales person were fired due to my situation at the XXXX XXXX XXXX.
05/13/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
33068
Web
On XXXX / XXXX / XXXX , I used the Credit Card to make a purchase for {$29.00}. The Credit Card due date was XXXX / XXXX / XXXX . I paid off the {$29.00} on the due date and thought this was resolved. Fast forward to XXXX XXXX and I began receiving calls from the bank that offers the card. I was told I owe {$88.00} on the card. I was very confused because I remember paying it off. I also had not been sent any letters via mail or email advising I still owed a balance. Apparently, because I made the payment after XXXX on the due date ( XXXX / XXXX / XXXX ) their system charge me a Late Fee after XXXX on the due date and subsequently posted my payment the following day XXXX / XXXX / XXXX . Since then, they had been charging me late fees ( on the initial late fee ), and no one advised me this was happening. They advised they could not help me as it was my own fault for not knowing their company policy and I should pay my bills in advance rather than waiting until the due date. I was left with no options by them so to resolve this nightmare, I closed my account with them while also paying the amount owed ( XXXX ) I thought this nightmare would be finally over. Now on XXXX ( yesterday ) I received a call from them, advising I owed {$100.00}. Apparently, they assessed me even more late fees, and they said I paid the XXXX late. I explained to them that I paid what was owed online at the time I logged in as my account balance, as well as what thei r CSR said I o wed. No one could assist yet again. I am reaching out here as my last attempt as I have never experienced such predatory practices. They make their own rules ( unfair cutoff payment times, not communicating due dates clearly to the customer ) and I am now charged over {$200.00} in late fees in total over a {$29.00} charge that was satisfied more than 6 months ago.
04/08/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
TX
75074
Web
was offered a credit card without applying several months ago. In XX/XX/XXXX, I was offered a promotion to transfer any balances up to my {$14000.00} credit limit with no interest or payments until XXXX. I transferred just under {$1000.00} r4om my discover card. I have since paid my account off every month. The method I use to do this is to check the statement balance, subtract the XXXX amount and pay the balance. A few times, I've had credits that have affected the balance after the statement " cut ''. On one occasion, a few months after accepting the offer, I received a statement that had the XXXX balance reduced by around {$14.00} even though I'd directed no payments to that account. I called the company and after playing for a long time with their on-line system - clearly designed so they never have to actually talk to a customer - actually spoke to some people who very unhelpful. In the end, after spending a couple of hours of my time trying to resolve this I gave up. As noted above, I have from time to time called the company to determine what payment needed to be made to maintain by promotional balance and not have any interest accrue on the remainder. This last statement showed my promotional balance completely wiped out, effectively increasing my immediate debt by almost {$1000.00}. After spending much more time on the phone a week ago, I spoke to a supervisor who indicated they had made a mistake and she would fix it and call me back. As of today, this has not occurred. I have communicated numerous times that I do not intend to pay off the promotional balance until the very last day of the promotional period, but they don't care they just want they money. This is a FCRA violation, blatant fraud and a violation of UDAAP. This has all been highly complicated by errors they have made handling several fraudulent charges on this account.
01/12/2018
Yes
Debt collection
Other debt
Communication tactics
Frequent or repeated calls
LA
70648
Web
Servicemember
I've done business with this company for years. However, end of last year, they processed my payment on the wrong date, when amount in the bank when they DID attempt to charge was ~ {$5.00} under. I do not have the specific amounts at this moment, as I have a short time window today to file this complaint.
They then tried to process it again, without permission, resulting in NSF charges from my bank. Their attempted charge was about {$86.00}, with my having about {$81.00} in, resulting in two NSF fees of {$35.00} each, then causing my next {$10.00} autodraft for something else to be ALSO returned with yet ANOTHER {$35.00} NSF fee. Due to this, I've lost access to my bank account, and accumulated a $ XXXX/day negative balance fee, since XX/XX/XXXX.
I've explained this one day to a XXXX XXXX XXXX representative, who was very friendly and said she understood. I expressed about that it was just after noon, that I'm at work, and I already got 2-3 calls before she called. She said they have no control over them, that they're automatic and can not be controlled unless I pay my debt. She informed me that XXXX would issue a check for the amount they costed me, if I provided proof of the overdrafts. Something I explained I do not have a way to send her, as my printer doesn't work right now, and she refused to give me a way to email the documents.
Since this day, back in mid XX/XX/XXXXr, I have received at least two calls from them a day. The past 2 weeks, I have received 4+ calls a day, including from new numbers when I have one blocked. They've gone so far as to SPOOF phone numbers with my local area code, to call me. One of these happened today.
I have told them I'm on the National DNC registry, that they're calling during all hours, including when I'm sleeping ( every day, they call XXXX ), and that they're calling me at work. They persist.
10/18/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
GA
30582
Web
Older American, Servicemember
Ref Order Number : Zales Order Number : XXXX, Zales item Number : XXXX. On XXXX XXXX, 2017, I ordered a dual ruby heart ring for my wife for our 50th anniversary. The ring arrived on or about 10 days after the order was placed with Zales.com. The ring is only worn whenever my wife goes out for dinner or other special occasions. On, one of those occasions, she noticed one of the ruby hearts was missing. I contacted Zales online, via an email, if there was a warranty regarding a replacement of the ruby heart stone ; however, Zales did not respond by email but by phone and advised to take the ring to a Zales store and there was no warranty for the ring. Due to the response from Zales was via telephone, I have no way to prove what was said in the conversation. The nearest Zales store is about a 2 hour drive from my home and due to the distance is the reason I purchased the ring online. A short while later, after learning I could dispute the sale through the credit card bank that issued the card ( XXXX ) due to a flaw in the ring 's construction which permitted the stone to fall out. Consequently, I wrote a letter to XXXX XXXX with a photo of the ring attached that was taken from the Zales Online display for the ring. In the image, it shows where there are little catches on the top of the prongs that holds the stones in place ; however, the catches are not on top of the prongs of my wife 's ring and, therefore, the ring is flawed. I sent a copy of my letter to Zales of my letter to XXXX XXXX with a copy of Zales photo also attached. Over three weeks has passed since the mailing of the letter to XXXX XXXX and have not received a response to my letter via the mail, email or phone. I personally feel it is Zales responsibility to fix, send a new ring or issue a credit to my credit card and send a return authorization so I may return the ring to Zales.
09/03/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
CA
95688
Web
I have paid in FULL my collection account with portfolio recovery which is a collections agency back in XXXX of 2020. They have already reported their portion to the credit bureaus. But the original creditor which is Comenity Bank/ Victorias Secret has not deleted or at least updated charged off status notations to PAID IN FULL. I spoke with collections agency and they stayed they already updated their part but can not change delete the reportings made by Comenity Bank/ Victoria secret . In speaking with Comenity they are refusing to assist in either deleting or updating the ACCURATE information which is not charged off but paid in full. And it has been this way for months since XX/XX/2020. They are stating at Comenity The day do not make a notation or adjustments that I have to speak with the collections agency but they are not understanding the collections agency has done their job and Victorias Secret has to do their part of their job and they are not willing to assist. This is continually affecting my credit report. I did my part in good faith by paying in full and declining their offer to settle for less. Oh I am asking is for Victorias Secret to either delete which they say they do not delete but at least update my account accurately as paid in full not just charge off. The notes it shows are the same ones that showed before I even paid anything at all which is charge off nothing has been updated or touched or changed. Oh I am asking is for Victorias Secret to either delete which they say they do not delete but at least update my account accurately as paid in full not just charge off. The notes it shows are the same ones it showed before I even paid anything at all which is charge off nothing has been updated or touched or changed. They are just telling me there is nothing they can do after taking my payment at the collections agency.
08/13/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
TX
75229
Web
I was in a XXXX chair in XX/XX/2017 getting XX/XX/XXXX treatment. I couldn't afford the cost so they offered this plan from a company called " XXXX XXXX ''.
She explained to me that if I didn't pay it off in a year I would be charged interest.
I used the XXXX XXXX credit for treatment and begun making payments. I had other XXXX work charged to this card as well.
My concerns are how this company goes about getting people to sign onto their plans, the amount and types of ways to setup the customer for failure, and the amount of interest actually charged.
I paid nearly double the minimum every month, but due to stressful life conditions, such as losing my job and illness I was unable to focus on the account closely.
The minimum payment guarantees the customer for failure. I was nearly paid off by making my payments, but not quite enough, after 1 year, over {$1300.00} worth of interest was charged to my account, more than any single XXXX I had had. I was so shocked I felt sick due to the powerful emotions of this.
I spoke with a representative from the XXXX office and she tried to speak too them on my behalf but stated nothing could be done. I signed the contract, therefore this is all my fault.
I could have signed up for a brand new credit card and have gotten a better deal than this.
How they setup the customer for failure : 1. They shouldn't be trying to charge people more than even basic credit cards for insure, especially given the nature of it being medical.
2. They have no reminder or notifications aside from logging into the account.
3. The minimum payment or even double the minimum guarantees massive interest charges for the user.
4. This credit system is offered when the customer is vulnerable and in a XXXX chair after being given an explanation of health concerns.
5. They wouldn't offer any type of reconciliation.
07/21/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NJ
07002
Web
Various accounts on my report are fraudulent. These accounts listed were not opened by me.
1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
11. Identity Theft XXXX Account Number : XXXX This is not mine.
12. Identity Theft XXXX Account Number : XXXX This is not mine.
13. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
22. Identity Theft XXXX Account Number : XXXX This is not mine.
23. Identity Theft XXXX Account Number : XXXX This is not mine.
24. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
25. Identity XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
03/29/2021
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
TX
77471
Web
I have an XXXX XXXX XXXX credit card that is issued by Comenity. I received an alert from XXXX XXXX that the credit limit on one of my accounts was reduced. I had not been notified by anyone so I was not sure. I had to log into XXXX XXXX to find out which account it was. Once in XXXX XXXX I found out it was the XXXX XXXX Store card. I called customer service to find out why the credit limit was reduced and the representative could not tell me. Worried about how their change would effect my score and I wish to purchase home, I asked for it to be increased but then I cancelled the request all in the same call because I did not want them to pull my credit and I plan to close the card. I received an email from Comenity stating my request to increase my balance was denied due to information they received from credit reporting agencies. My score has gone up since I got this card and I never agreed to random credit inquires so I asked that that information was and the source of the information. I was told to call customer service. I called customer service again today. Speaking to someone is not even an option. When I finally did get someone he said he could not help me and transferred me where I was asked all my information again and the call was disconnected.
This is the email I received : Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- your credit limit was reduced to a total of {$250.00} based on information provided to our Bank by the credit reporting agencies.
This is what I read in the last message. What information provided by credit reporting agencies? Are you all running my credit on a regular basis? How are you getting this information? Was my credit run with the last request to increase? I CANCELED THE REQUEST FOR AN INCREASE I TOLD HER I DID NOT WANT THE INCREASE. I WAS LEFT ON HOLD AND I HAD TO GO BACK TO WORK.
04/01/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
PA
17050
Web
I paid off my XXXX credit card in full on XXXX the XXXX with a telephone representative of Comenity {$1200.00} The amount was processed and they provided me with a confirmation number and my credit union placed a pending payment notice on my account.
About a week later the moneys were still in my account and I emailed Comenity requesting that they take the money and credit my account and show as paid in full no balance due as of XXXX the XXXX.
I did not receive any response, I later called them directly and was told my account was in default and my payment was returned for insufficient funds ....
I HAD {$100000.00} in my account the day of my payment and {$90000.00} on XX/XX/XXXX, the day that I spoke to the representative.
I ended the call and immediately resubmitted my payment of {$1200.00} via the Boscovs/Comenity app and later in the week I called to speak to someone and inquired about my account and confirmation of payment issued to them.
I spoke to first an incompetent XXXX, then called back and demanded a billing supervisor, I spoke to her and was told that I submitted my bank account number missing one digit ... XXXX I expressed disbelief and was told that she would open an investigation and review the recorded conversation on XX/XX/XXXX to confirm that it was I that was responsible for the error and that I am liable for the late payment fee as well as the additional interest accrued on the balance due, I still have no response to my inquiries.
Today I checked my credit card account and I am being charged again for late fees and interest credit accrued again, even though there was a dispute filed.
One. I paid off the account balance entirely on XX/XX/XXXX and Two. I do not owe anything more on the account.
I want my account to show paid in full on XX/XX/XXXX and to be reported as such to all credit reporting agencies.
06/12/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
VA
20191
Web
I paid a bill for a purchase made at a XXXX store on a credit card issued by Comenity Bank. The payment was due on XX/XX/2019 and I mailed a check in the amount of {$28.00} for the full amount of the purchase to Comenity bank on XX/XX/2019. The check was made for the full amount of the bill. On the following month I received a bill in the amount of {$28.00} for a late payment fee. I called Comenity Bank and explained that the check was mailed in time and that they should not charge me a late fee. I agreed to pay a reduced late fee of {$11.00} even though I explained to them that the check was mailed on XX/XX/XXXX, that they should have noted the posting date on the mailed envelope, and that they should have marked the payment received prior to the due date irrespectively of when then received it. I paid the {$11.00} late fee on XX/XX/XXXX which was the due date on their bill. The following month Comenity sent me another bill for a late fee of {$30.00}. I called them again to tell them that I would not pay their late fee because it was paid electronically on the due date. They would not accommodate me. I cancelled the card and told them again that I would not pay another late fee on a late fee that I should not have received in the first place. Since then they have been billing me a late fee on a monthly basis and now I have a bill in the amount of {$270.00}. They have been harassing me, sometimes calling me as early as XXXX on weekends. They have damage my credit report that was at XXXX points with only one late payment in 10 years. I called Comenity again and told them that I would not pay the late fees and they propose to reduce the bill to {$130.00}. I told them, no thank you, and that if they didn't cancel all of my late fees I would report them to CFPB. The Comenity Bank representative did not seem to be concerned with my threat.
02/05/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
WA
98684
Web
On XX/XX/XXXX my XXXX Credit Card account was breached and charges were made to my account. XXXX acknowledged the breach and refunded the funds to my account. On XX/XX/XXXX I redeemed points for cash on my account and noticed there were points used to purchase " XXXX XXXX XXXX XXXX XXXX XXXX '' shipped to XXXX XXXX XXXX XXXX OH XXXX. This purchase was executed on the same day of the breach XX/XX/XXXX. The CC breach consisted of a XXXX purchase of a laptop which through my investigation was shipped to the same address. On or about XX/XX/XXXX, I requested XXXX credit my rewards account the XXXX ( which is equivalent to {$230.00} ). The fraudulent points purchase was the same day as the fraudulent credit card purchase. XXXX has acknowledged the points fraud occurred the same day the credit card fraud occurred but decline to replace the points. I have appealed their decision 2 times and then sent it to the BBB to which I received a letter acknowledging the breach and the correction of the CC charges but denial to credit back the XXXX points. Coincidentally, the shipping address is 13.8 miles from XXXX. Additionally, they elude to the breach being a result of something I did. I access my account through a protected, firewalled system because I own a business that is regulated by the SEC and the Insurance industry. I believe the breach occurred from internal mishandling of information, which resulted in the breach of my online username and password which allowed the criminal to logon to my account, change my mailing address to the address listed above in OH and then order products shipped to that address. When I asked XXXX for the IP address from which the person logged onto my account they declined to provided, I can only assume to protect themselves from a MAJOR breach announcement, I can also only assume this is no an isolated incident.
01/13/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
You never received your bill or did not know a payment was due
CA
95060
Web
I communicated in good faith multiple times with Comenity I was not receiving my card. They offered to send a new one ( again ) multiple times and I explained that would not help, and I suspected my mail was caught in some sort of forwarding loop, because Id been seeing other parcels with multiple forwarding stickers, arrive months late. On the third time I called, I asked them to please XXXX the card to me directly, because Id been spent numerous hours trying to resolve the forwarding issue with the post office and was still having mail delays. They refused to XXXX the card, and I said Ok, if you wont send me my card after Ive called twice to explain the issue, Im closing my account immediately. This was XX/XX/XXXX. I paid off the balance and any fees at the time and believed I was doneat this point I was really frustrated, by the refusal to send the card ( a request readily obliged by other cards ) by XXXX, and the ongoing underlying issue with the post office. When I closed out they didnt mention that since my due date was XX/XX/XXXX, that any late fee ( because I still had no card, and paid on XX/XX/XXXX ), wouldnt show up until the following billing cycle. I had already spent hours on the phone trying to clear this up, and when I saw I was being charged AGAIN for a card I NEVER received, my lid nearly popped. Not my finest hour, and I suppose I was filled with righteous indignation. Apologies to whomever I spoke to that day.
Im not an irresponsible XXXX pay my debts, and am diligent and courteous, and its not about the amount there was no customer service and no willingness on comenitys part to try and find a reasonable solution to a simple external problem.
Funny enough The card did arrive two months ago, with the wrong address, and multiple forward stickers. This process has been tedious and infuriating.
Sincerely, XXXX
06/23/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
AZ
85086
Web
XXXX XXXX company does not offer auto pay / auto debit to be able to ensure your account is paid on time. They did offer the ability to schedule up to 3 future payments. I set up scheduled payments for three months at a time because it is the only way I can ensure that it is paid ontime and not have to go online each month to make a payment ( very very inconvenient ). I had schedule payments through XXXX of 2020, but received calls from this company today stating that I was late. I went online to check my account and there are no scheduled payments pending. I was charged a late fee. I made my past due payment which they convienently combined with my XX/XX/XXXX payment. I was forced to pay XXXX and XXXX together. I then tried to schedule payments for the next 3 months and the ability is now gone. I called the company to try and find out what happened. They told me that they do not offer the ability to schedule payments any longer. I asked what happened to the payments that I had scheduled through XX/XX/2020 and she did not have an answer. I feel like this company is setting consumers up for failure in order to take advantage of our current nations crisis. I am one of the people who would like to make sure that my account is paid on time and they offer a very slim window to do that. I believe they are praying on consumers to be able to have them default on payments to increase their APR 's and charge them late fees to make more money. I have many credit cards for both personal and business along with other store cards and ALL of them offer auto pay. XXXX XXXX is the ONLY card that does not offer auto pay or scheduled payments. Why would a company take away payment options and only provide you with the bare minimum options during a Pandemic? My guess to charge late fees and boost APR 's to take advantage of people to make more money.
03/22/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MD
21214
Web
In XXXX, I purchased a large item from XXXX XXXX. Comenity Bank is their finance company. I made regular, on-time monthly payments toward the purchase.
On XX/XX/XXXX I sent a {$200.00} payment to Comenity, ; check # XXXX.
I received a bill from XXXX XXXX stating that I still owed the {$200.00} along with interest charges and a late fee. I called and spoke to someone in customer service in early XXXX and wrote a letter on XX/XX/XXXX stating that according to their customer service rep, that they show no record of receiving the payment for {$200.00}. However, I explained in the letter that I checked with my bank and the check cleared on XX/XX/XXXX through their bank. I asked them to please remove this owed amount from my account including the added interest charges and late fee.
On XX/XX/XXXX I received a letter that they are looking into my claim. I sent them documents as proof of the deposit i.e. copy of both sides of the check, the routing # 's etc.
They sent me a letter dated XX/XX/XXXX that they were unable to verify that the bank had received these funds and that they have concluded their investigation.
I sent them a letter on XX/XX/XXXX demanding that they figure this out. They sent me a letter on XX/XX/XXXX stating again that the investigation has concluded.
They proceeded to send me a bill for {$260.00}.
On XX/XX/XXXX I sent a payment for {$67.00}, the accrued interest which I did not owe, in the hopes that they might leave me alone about the original {$200.00} that I had already paid.
Since then I have received frequent texts, emails and another bill as of yesterday in the amount of {$200.00} as my total balance due. {$200.00} is the original amount I had already paid and now they are still asking for the {$200.00} and more interest charges.
I will be glad to provide you with all documentation required if needed.
03/08/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
SC
29902
Web
Older American, Servicemember
I was XXXX XXXX and while in this state my granddaughter ( my care take at the time ) opened and used this " XXXX XXXX aka XXXX XXXX '' credit card. I appreciated her taking care of me when I was XXXX unstable and did not want charges brought so When this came to my knowledge, and I was stable under physician care I notified the company and made an agreement with them to pay a set monthly payment on a set date with auto withdrawal from my checking account each month to assure that payment would be made on time and would be paid as agreed until the amount owed on charged was paid in full. Which according to the calculation at the time of the agreement with the XXXX representative, over the phone, would have been XX/XX/2018. Todate I received a bill from them for {$180.00} the account was to close upon payment in full so I believed it was closed, and I had stoppped payment authorization in XXXX after it was supposed to be paid in full as agreed. Advertisment would come from the XXXX card company but I would just throw out the letter I was not interested and believed it to be paid in full.
When I called I learned that The XXXX company had been deducting from checking the agreed amount and now charging me late fee of {$39.00} each month and when questioned why they said I paid late each month which is causing the account to continue to increase. The interest rate they are charging ontop of the Late fee is 27.2400 % My medication is helping my XXXX capacity but I had to have help in contacting your agency.
My name is XXXX XXXX, I live at, XXXX XXXX XXXX, XXXX, Sc XXXX my helper is XXXX XXXX her phone number is XXXX. I am more than willing to have my physician send a letter as to my status should you require a letter. My home number is XXXX and I will verify that XXXX XXXX is helping me here in trying to get this matter resolved..
07/17/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MD
20895
Web
My wife and I purchased furniture using a XXXX XXXX credit card we signed up for in late XXXX XXXX XXXX ). Since that time we have not received the credit card, account number or bill. After XXXX the bank ( comenity ) in XXXX that owns the card, I called their customer service number and was placed on hold for 32 minutes. I then went to their website and requested that my card be sent to me through their chat service. After still not getting the card, my wife went into the XXXX XXXX store where they sold me on getting this credit card, to ask them for the bill and card and the gentleman at the XXXX, MD location told us he would request a new card and bill be sent.
Two weeks ago in early XXXX I got an email into my spam folder that said my payment late, so I called again and after a long hold finally got someone on the phone. I paid the bill in full over the phone ( even though I wouldve preferred to actually have the credit card and bill in hand ) and was still unable to access my account because the company does not give out account numbers over the phone. At that time the lady said she would reverse the late fee which I thanked her for.
Yesterday XXXX XX/XX/XXXX ) I finally got the 2nd bill, though still without the credit card or 1st bill and noticed that I had been charged a {$70.00} interest charge despite not having the credit card or access to my account. I spoke to 5 different representatives and supervisors who said its their company policy at Comenity never to refund interest charges, even when it is clearly Comenitys fault for not having delivered my bill and credit card after multiple asks by me.
If they do this to someone like me who has the ability to pay the bill, I can only imagine what they do to people who dont have the ability to pay their credit card bills. Truly horrible customer service and protocols.
04/29/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
CA
93401
Web
This is a complaint against Comenity Capital Bank for failure to cooperate with an identity theft investigation. For violations of the Fair Debt Collect Act and the Fair Credit Reporting Act. They are also liable under California Penal Code for their failure to cooperate.
Comenity and their assignees have been provided repeated with FTC Identity Theft report number XXXX. They have been repeatedly asked to help in the identity theft investigation ( as noted in the attached letter ). However, as is their pattern, as exemplified by the statement of facts in Gonzales v. Commenity, Commenity has refused to cooperate instead going to the extreme of filing a lawsuit against me in the state of Arizona falsely claiming they are owed {$4000.00} on a contract executed in Arizona.
On XX/XX/2021 I sent them a letter from my residence in the state of California asking them to cooperate with the identity theft investigation begun with FTC Report XXXX by providing the following documents : A copy of the original signed application Signed charge receipts for the {$4000.00} in alleged charges Proof of delivery of any merchandise charged to the account Any other pertinent identifying information.
As a California resident, in addition to federal protections, California Penal Code Section 503.8 allows Comenity 10 days to provide that information before facing a {$100.00} per day civil damage accrual. In my letter ( attached ) I gave Comenity three additional days to provide that information. That time has expired and nothing has been provided -- although in that time they did serve me with their lawsuit with their fraudulent claims about a contract being executed in Arizona. I have of course, at great expense filed a response and a counterclaim, but the issue still remains that Comenity is violating federal law that CFPB is charged to enforce.
02/19/2019
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
CA
92284
Web
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
08/15/2020
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
NE
68144
Web
Servicemember
I had a two-tiered plan with XXXX XXXX ( Comenity Bank ) for two XXXX XXXX XXXX.
I planned to pay both loans off before their promotional dates to not incur the additional interest.
Plan one was due in full by XX/XX/2020.
Plan two was due in full by XX/XX/2020.
I have previously had other loans with tiered plans before and usually they are more clear about the payment installments. In addition, with COVID crisis the statements didnt make it clear, or had small print in the warning box that a minimum payment was needed for the 2nd tier plan.
Background : I paid all my payments over the phone with my checking account, and paid the minimum.
XX/XX/2020 Statement paid the balance of {$1800.00} like the statement said to do, to pay off the tier 1 plan. I didnt notice in the small print that I also needed to pay the minimum payment of the 2nd plan.
XX/XX/2020 Statement received my statement, expecting my tier 1 plan to be paid off ( with the {$1800.00} payment ) and found that it wasnt. That {$1800.00} payment was applied to both my tier 1 plan, and the minimum payment due for my tier 2 plan.
I called about XX/XX/XXXX when I got the statement saying I was short and they then informed me that Id be getting a statement for {$1500.00} for interest because they said I was {$71.00} dollars short for my tier 1 plan. It was already too late to fulfill the obligations for the tier 1 plan when I called. They then shared that they would allow me to pay payments ( with interest ) on the interest.
I then paid the tier 2 payment because I was so upset about how the payments were applied.
I received the interest statement around XX/XX/XXXX for the additional {$1500.00}. I paid this and had to handle this without the help of my daughter due to COVID restrictions. I want to make sure others are aware of this so it doesnt happen to others.
07/13/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
MO
63304
Web
On XX/XX/XXXX I called Comenity Bank US customer service to inquire why I am being charged two different APRs to the balance of my Comenity Bank XXXX XXXX and XXXX 's credit cards, and why both interest rates are so high ; APR on purchases before XX/XX/XXXX is 27.2400 % ; " new '' APR is 29.2400 %.
On XX/XX/XXXX the balance of my Comenity Bank XXXX 's card was {$950.00} w/minimum payment due {$45.00}.
As of XX/XX/XXXX my current balance is {$450.00} - a difference of {$500.00} On XX/XX/XXXX the balance of my Comenity Bank XXXX XXXX card was {$1400.00} w/mimimum payment due {$70.00} As of XX/XX/XXXX my current balance is {$500.00} - a difference of {$940.00}.
It should also be noted that I have two other Comenity Bank Cards which I have paid in full.
The XX/XX/XXXX balance of my Comenity Bank XXXX XXXX card was {$1000.00} - Current balance XXXX I paid the balance of my Comenity Bank XXXX XXXX card in XXXX in XXXX of XXXX.
I have NEVER been 60 days late on a payment for any of my Comenity Bank credit cards. I asked if my interest rate could be lowered as I have a decent credit score ( XXXX currently ) AND my accounts have always been in good standing. I have also substantially lowered my credit card balances since the beginning of XXXX.
The representative told me Comenity has raised APR interest rates for all products and the interest rate could NOT be lowered. The representative stated she did not know why the APR interest rates were increased, nor could she fully explain how the interest rate application was applied to account purchases. She stated the " computers ' track the purchase history and split the interest payments accordingly.
The representative advised I pay all credit card balances in full within the billing period to avoid interest charges. But offered no other solution to lower my APR interest rates.
11/04/2017
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CT
06032
Web
A promotional financing option was presented upon purchasing a product from XXXX. As long as the balance of the purchase was paid off in the prescribed amount of time, no interest would be charged on the purchase.
In XXXX of XXXX, the promotional amount due by XXXX XXXX was {$890.00}.
I made the following monthly payments : XXXX : {$200.00} XXXX : {$400.00} XXXX : {$150.00} XXXX : {$150.00} XXXX : {$350.00} XXXX : {$0.00} XXXX : {$550.00} TOTAL : {$1800.00} However, they only reduced the " promotional balance '' by {$30.00} each month despite my large monthly payments. Because I had another " revolving '' line of credit on the same account, the credit card company applied most of the balance to the " revolving '' balance.
It was not until I noticed that my promotional balance was NOT paid off and I was assessed an additional {$250.00} in accrued interest, that I found out that my payments were not going to pay off the promotional balance.
After looking into my statements and callling Comenity Bank XXXX the credit card company handling the XXXX credit card ), I found out about how they allocate your payments primarily to the revolving credit and NOT the promotional credit, XXXX unless you call them and tell them otherwise! XXXX. They also say they DO apply a greater amount of your payment to the promotional balance if you are nearing the expiration of the promotional period. However, it is NOT outlined anywhere how they allocate your payments closer to the expiration date and they did not do this in this instance. This is an easy way for them to allow the promotional balances to default so they may collect the outrageous " accrued interest ''. Disgusting! The customer service rep. put me on hold when I asked to speak to a supervisor, but no one ever came back on the line. When I called back, they were closed for the day.
07/02/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
CO
80906
Web
Servicemember
Wayfair Comenity Bank offers promotional financing with 0 percent interest for 12 months. I recently made a payment to satisfy the outstanding balance on one of these offers in addition to my regular monthly payment. When i looked at my account in the new billing cycle, the payment was not posted to my account and instead was applied to my other revolving balance. When I contacted Comenity, I was informed that the payment had been applied to my highest apr balance, and therefore not to my promotional balance. The account summary on the website is as follows : Promotional Plans Plan 406 - 2 6 MONTHS DEFERRED INTEREST, PAYMENT REQUIRED Remaining Balance {$220.00} Expiration Date XX/XX/2020 To avoid additional finance charges, make sure to pay each promotional plans remaining balance before its expiration date.
I made the {$220.00} payment to the account in addition to my regular monthly payment per my statement. The {$220.00} was not applied to this balance. It was applied to my outstanding balance at the highest apr. How misleading. When i called the representative said she would have to make sure that our minimum payments had been met before she could move the balance I asked if I made a payment toward the next plan if it would apply when i also made the minimum payment. She said she was unsure and that i would have to call after the billing cycle to see how it was applied. Her best recommendation was to look at my credit card agreement. Other similar accounts at XXXX XXXX are handled fairly. This seems like a highly deceptive practice. Basically, the bank is counting on you not paying any attention.
I also reviewed my latest billing statement. It also has lots of details on the promotional plan and many disclosures, however, no mention of this payment disbursement practice.
Thank you, XXXX XXXX XXXX : I have include
09/08/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
TX
78572
Web
I have an Inquire from Comenitycapital/XXXX on XXXX XXXX,2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score.
I submitted a previous report to XXXX and was told The company needs authorization from me to proceed with my complaint. Do to this fact my complaint was not resolved. I hereby authorize to proceed with my complaint and provide drivers license & social security card ( attached ) as proof of Identification. The aforementioned in order to have my complaint resolved and the unauthorized inquiry removed from my repot.
On my previous complaint directly to Comenity Capital Bank I was replied the following : On XXXX XXXX, 2016, an application for a XXXX XXXX XXXX XXXX account was submitted using your personal information. When an application is submitted, the applicant provides authorization for credit information to be obtained by the Bank. The Bank reviews credit information to determine an applicants creditworthiness. Credit information is pulled one time when an application is submitted. The inquiry showing from the Bank on XXXX XXXX, 2016, was a result of the XXXX XXXX application being submitted. As such, the inquiry on your credit file is accurate. The letter regarding the application is enclosed for your review. We respectfully decline to request removal of the inquiry from your credit report at this time. If you believe this application was submitted fraudulently in your name, please contact our Account Protection ( Fraud ) Team at ( XXXX ) XXXX.
I have tried contacting their Account Protection Team to express my concern regarding this unauthorized inquiry and have received no reply or answer to my concerns.
For this reason and the previously stated I wish for the unauthorized inquiry removal.
06/23/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
13607
Web
I ordered the merchandise on XX/XX/2021 with XXXX XXXX run by Comenity Bank for clothes totaling for the amount of {$260.00}. The merchant promised to deliver the merchandise to my address, but the merchandise was never delivered to my address to date. When you click on the tracking number linked with this order it seems the date given for merchandise was on XX/XX/2021, which does not coincide with the date I ordered my clothes which was XX/XX/2021 ( a month after the XX/XX/2021, date above ). The link is a XXXX link for tracking number, so I called XXXX and explained the situation and gave the tracking number to XXXX. XXXX informed me the tracking number is not listed under my name nor my address. None of the information linked to XXXX is related to me so it is impossible for the delivery to be me nor the clothes I ordered. I received a bill from XXXX XXXX last week and included a charge on the bill for those clothes I never got. They charged me clothes I never got. I been trying to straighten this out with them for a couple of weeks and have gotten the run around. I have been put on hold for an hour the hung up on, switched from one person to another, given invalid phone numbers to call charged for items I never received on my recent bill, and it seems they do not have a Billing Dispute Department since they refuse to give me information on that. I requested they that the error be corrected, that any finance and other charges related to the disputed amount be credited to my account, and that I receive an accurate statement. I was not given an initial delivery date nor was I never notified of a delay in my delivery. I found the later by going to the website and saw there. I was never given the opportunity to cancel my order or give a refund. All I have gotten is the run around with no help to resolve the problem.
07/02/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
OH
43016
Web
XXXX XXXX The financed amount was {$9400.00}.
I should have paid the total due of {$3400.00} by XX/XX/2020. Which I planned to do ... I had planned to pay it off at the 2 year mark.
I was going to make my XXXX payment due on XX/XX/XXXX and noticed the {$3600.00} finance charge. The finance charge was more than what was due in XXXX. I made multiple phone calls to XXXX on XX/XX/XXXX and XXXX speaking to multiple customer service representatives, supervisors and then managers. I talked to XXXX, XXXX, XXXX, XXXX and finally XXXX XXXX.
Here is what happened ... ..
I had an XXXX XXXX 2 years ago and financed the XXXX. I signed up for online statements and proceeded to pay more than the monthly amount required each month fully planning on paying the entire bill at the end of the finance period before finance charges would accrue. I received emails each month and the emails indicated the minimum amount and the total amount still remaining. I looked at the XXXX bill and noticed that the total amount due had doubled. I immediately called trying to figure out what happened. They of course said I passed the two year mark. I said that the emails had not indicated that I was reaching the XXXX year period ( my fault, I should have marked my calendar ) and I thought they would have maybe indicated that payment needed to be made in full to avoid finance charges in the email. I was wasn't even a month late paying the finance charges and they refuse to make any adjustment, I asked if we could negotiate something less than the full amount. I told them that I wanted to pay it off, I was paying more than required and relied on the emails that didn't indicate everything was due. They said they couldn't make any adjustments. I am sick to my stomach over the amount of the finance charges and stunned that we couldn't come to a resolution.
03/08/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
AZ
85326
Web
XXXX XXXX cancelled a flight booked and paid for in XX/XX/XXXX when the Covid rates rose in XX/XX/XXXX. They processed a refund of all six passengers ( my family ) on XX/XX/XXXX. In the meantime, the credit card [ CC ] company ( XXXX XXXX then Comenity ) blamed XXXX. XXXX blamed the CC company. I spent over twenty-five hours in phone calls between the companies. It has been an endless cycle of blaming the other party. XXXX finally sent over the refund receipts for all SIX transactions. They gave me the transaction ID numbers along with the credit amount posted on all the pdf. I was instructed to file disputes to force the credit, per the CC. XXXX sent me the refund receipts on XX/XX/XXXX. I filed these with the CC company. I have called back multiple times to have them " find '' my refunded money. Often I will get told XXXX is the problem. I have spent close to 26 hours on the phone between the CC and XXXX. However, magically, ONE of the credits appeared when the CC was sold from XXXX XXXX to Comenity in fall XXXX. When Comenity took over the account, my husband, the card holder, credit was posted on XX/XX/XXXX. I called back at that time and was told the other refund credits were probably there but did not get posted as they are marked with our family member 's names ( XXXX, XXXX, XXXX, XXXX, and XXXX XXXX and not XXXX, the card holder. The CC company has made close to {$400.00} in finance charges by NOT properly and swiftly crediting my account. Every time I call, I am told file a dispute and that takes close to 90 days and is ultimately denied. They have my money. They credited ONE of the SIX. They are not crediting the others while making close to {$400.00} off of not doing their job. I have no recourse between the finger pointing, the endless circle of phone transfer XXXX, and the waiting between denied disputes.
03/18/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
TX
76542
Web
Servicemember
I have filed multiple disputes with XXXX concerning an unauthorized hard inquiry ( Comenity bank/XXXX XXXX Acct # XXXX ) and an unauthorized collection account ( XXXX XXXX Acct # XXXX ) {$1100.00} on my credit report. On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from XXXX that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, Comenity Bank sent me a letter and also sent a letter to XXXX saying " After review of the XXXX XXXX Reward claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to XXXX to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does XXXX continue to say the hard inquiry is verified? That's a lie! Additionally, since XXXX would not remove the collection account off my credit report, I filed a XXXX complaint on XX/XX/XXXX on XXXX XXXX for having an unauthorized account on my XXXX credit report and on XX/XX/XXXX XXXX XXXX responded to the XXXX complaint stating, " We have no record of any disputes or communications with such complaint. However, today we submitted a deletion request to the credit bureau. '' This is evidence that the collection account needs to be deleted immediately. If the creditor has no record of three rounds of disputes, this lets me know that XXXX is not sending my dispute letters to each creditor and just annotating " verified '' on the investigation results when it wasn't verified. This is really starting to irritate me. I am also a victim of the XXXX data breach. This hard inquiry and collection need to be removed from my XXXX credit report today!
08/29/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
OH
45069
Web
End of promotional period not communicated clearly and frequently on monthly payment reminder EMAILS.
Purchases XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX/Commenity Card - same as cash promo.
Commenity pushed to switch to paperless billing at the onset of the payments, which in turn sends out a summary email each month that it's time to pay. with my balance and min payment due. There is NO CALL OUT WHEN INTEREST FREE PROMO PERIOD is ending which is deceptive as you are now relying on them to summarize what you owe off the emails. They train you not to look at your statements with an easy to click Make a PAYMENT BUTTON.
In smaller print ( if you scroll down on the email ) which I just noticed today. It says be sure to check when your promo period is ending to avoid interest.
I had a surprise interest charge on my XX/XX/XXXX statement, over $ XXXX in interest. Had to dig through the prior statement on XX/XX/XXXX that the promo period was ending. This disclaimer to my suprise was called out in red, yet they did not call it out in RED on the SUMMARY EMAIL they sent to collect my payment. They need to provide more transparency vs. check your statements in smaller print out of sight lower on the screen.
I have paid off the principal balance when I discovered this last night. The interest is left to pay. I am within the 30 day dispute period on my latest statement and have talked to 3 managers at Commenity today. Have asked them to continue to escalate until I can get resolved. They have stated they are following their policy and will not remove the interest charge. It was not communicated clearly and frequently in their topline email WHEN the promo period was expiring. Feel they could have been more transparent here so I clearly knew this each month vs. having to dig thru statements which they trained me away from.
03/04/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CT
06804
Web
I have been trying to reach out to this credit card company about my dispute that was made back in early XX/XX/2018. The credit card is through XXXX XXXX and is issued by XXXX. XXXX handles all their customer service support and XXXX XXXX is behind the scene, with no way of reaching them. After I filed a dispute, they did not provide a provisional credit, therefore, the interest on the balance continued to increase, therefore, I ended up paying my balance. A month later they asked for additional information via mail, which I responded via mail. I have constantly been reaching out for a status and they just continued to say they were working on it until today, XX/XX/XXXX, I get an internet response on my follow up question, stating that they did not receive any additional information that was requested. It is now almost 5 months later, and I am at a loss with my money. This is {$270.00} plus the interest that had been tacked on.
I had a trip to XXXX for XX/XX/XXXX through XX/XX/2018. We received a car from a rental company that continuously stalled on the roads during our first day of receiving it, therefore, was unable to use it. I am also going to mention that we received this car later than our requested time due to the car not being ready and shuttle pick up problems. We returned the car the next day upon their opening and was asked to wait a very long time for the new car to be provided to us. We booked the car for XX/XX/XXXX-XX/XX/XXXX. We ended up not accepting the next car due to the long wait and the wasted time that it caused us and booked through another company. Essentially, we did not get to use the car rental services at all because of this problem. I asked them for a refund and it was refused by the very rude XXXX. I am still pending status on this dispute with my credit card company until this day.
09/21/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
10017
Web
I purchased a sofa bed online from XXXX XXXX XXXX/XXXX XXXX in XXXX of XXXX in the amount of {$2900.00}. The company attempted delivery of the couch in XXXX of XXXX but the couch would not fit on the building elevator so it was returned to the warehouse. From the date of purchase in XXXX until the delivery date I was making payments on this couch. These payments amounted to about {$320.00}. One payment was made on XX/XX/XXXX in the amount of {$200.00} and the other payment was made on XX/XX/XXXX in the amount of {$120.00}. I may have made other payments besides these two payments.
After dealing with XXXX XXXX XXXX/XXXX XXXX on the phone I got so exasperated by their incompetence I went down to the local XXXX XXXX XXXX store and canceled the purchase for a refund. The Supervisor at the store canceled the purchase over the phone with XXXX XXXX and requested a full refund.
When I received my statement from XXXX XXXX immediately following the cancellation of this order I saw that I was credited back the purchase price of the sofa bed ( {$2900.00} ) but not the payments that I made between the time the couch was ordered and its the cancellation date, these payment were for approximately {$320.00}.
I contacted XXXX numerous times via the phone in an attempt to resolve this but was met by only extreme frustration. I also filed a written dispute with XXXX XXXX but have not been able to resolve this issue. XXXX seems totally incapable or totally unwilling to resolve this problem.
I demand the refund in the amount of {$320.00} for the payments I made between the date I purchased this sofa bed and the date I canceled this purchase.
I have attached 3 XXXX Credit card statements showing these 2 payments ( {$320.00} ) I made and the refund amount ( {$2900.00} ) minus the credit for {$320.00} that I am entitled to.
02/06/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
WI
54650
Web
In XX/XX/XXXX I received a notification from XXXX XXXX that there were two new Hard Inquires on my credit. I logged in to XXXX XXXX and immediately realized that both of these inquiries were completed on XX/XX/XXXX and were fraudulent. I initially contacted the creditors who were XXXX, XXXX XXXX XXXX Comenity CapitolXXXX and advised these were fraud. They both advised these were credit card applications completed online and they were flagged in there system and no accounts were opened. I then proceeded to freeze my credit on all 3 credit bureau and file a police report. These inquiries were only showing on my XXXX credit report. I sent multiple letters to XXXX to remove these as they were fraudulent and attached the police report. I then had to call XXXX and advise them to remove. They ended up finally removing on inquiry ( XXXX, XXXX XXXX ). Over the next 9 months I sent mutiple letters and placed multiple calls to XXXX and they would advise they would remove. They always sent the same investigation results that don't make any sense and they don't remove the Comenity Capitol/XXXX inquiry. I have included a rough timeline of events below.
XXXX fraudulent hard inquiries XXXX-Both creditors contacted and advised fraud and credit locked on all 3 bureaus.
XXXXPolice report filed XXXXCalled XXXX and they advised they would remove these XXXXMailed a complaint and police report to XXXX to remove as fraud -A couple more calls over the span of a few months XXXXMailed another complaint to remove the one inquiry that isn't removed -Called made to XXXX where they advised they would remove this inquiry XXXXMailed another complaint to remove the one inquiry that isn't removed XXXXCalled XXXX to remove inquiry again and they advised they would As of today this fraudulent Inquiry is still on my XXXX credit report.
01/21/2017
Yes
Credit card
Delinquent account
PA
17109
Web
I received a collection call because on my credit card through comenity bank because my I had missed a payment. I advise the representative who contacted me that I would go online and make the payment myself. I then asked him if they offered automatic payments, to which he advised they do not. He then proceeded to attempt to verify my payment information that I have saved on my online account. He read to me the last XXXX numbers of the checking account and provided the bank name associated with the checking account that I have on file. I asked him why that was important and he advised that he was working to schedule the payment for me. I then advised that I specifically told him that I would make the payment online and that I wanted to speak to a supervisor. The floor Supervisor that I spoke with was extremely rude, continued to speak over me, advised that the representative would have verified the payment information and if I did not agree with the terms then it would not have been submitted. The floor supervisor attempted to justify his actions by stating that they are required to take a payment over the phone when they make a verbal contact. Also, she advised that at the end of the payment script, if I did not agree with the terms, then the payment would not be submitted. Based on my knowledge of the banking industry, I believe this to be a potential UDAAP violation. I then asked to speak with another supervisor. I spoke with a specialist and advised her of all of this. She advised that she would submit the complaint and provide the information to her management. I did advise that I would be filing a complaint with the CFPB regarding these deceptive practices. I am extremely concerned that this bank is submitting payments from verbal contacts illegally and request an investigation of their payment practices.
10/09/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
CA
91803
Web
On XX/XX/2020 I submitted a complain ( XXXX CPFB ) becuase somebody try to use my identity to open credit cards or something else. This was not me because I always see my credit report. Comenity Bank was one of the banks that got one hard inquiry. They answered this complaint on XX/XX/2020.
XXXX XXXX XXXX, XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Were responding to your correspondence about the XXXX XXXX XXXX XXXX XXXX Application XXXX.
Dear XXXX XXXX XXXX, XXXX : Were Comenity Capital Bank and we handle everything related to the XXXX XXXX XXXX XXXX XXXX credit card.
We received the correspondence you sent to the Consumer Financial Protection Bureau ( Ref. No. XXXX ). Weve reviewed it, and heres what weve found.
On XX/XX/2020, an application for a XXXX XXXX XXXX XXXX XXXX credit card was submitted using your personal information.
No account was opened in your name. We requested the credit reporting agencies remove the inquiry from your credit report. It may take up to 45 days for the credit reporting agencies to update your credit report.
I will adjust this card from Comenity bank.
The problem is that after this complain they give a credit card to somebody else in my name is a Victoria 's Secret credit card. After that they have been calling me regarding this situation and they want me to pay for those expenses even when I have told them several times and this was not me.
My credit score have being impacted because of this problem it when down from XXXX to XXXX because of this situation.
After that problem that happened in XX/XX/2020 I had put an identity theft alert on my credit and freeze it to prevent it happen again for the next 7 years so nobody can use my credit without or do hard inquiries without calling me.
Please I will appreciate your help with this situation
10/23/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
92069
Web
XXXX XXXX XXXX sent two emails stating reward credits in the amount of {$75.00} needed to be used by XX/XX/XXXX. I purchased an item using my XXXX XXXX XXXX XXXX credit card to use this reward for {$74.00}. I was advised the reward would appear as a statement credit. I called mid XX/XX/XXXX since the reward credit did not appear on my statement to dispute the transaction. I was provided a provisional credit of {$74.00}. I was then charged {$1.00} as a finance charge since the balance was not paid during the dispute but this was also provided a provisional credit. I was advised on the call during the verbal dispute that I would receive a call back from the dispute team. I did not receive any verbal or written communication so I called again two weeks later for the status and was advised the dispute was closed with no details provided. This agent opened another dispute with the rewards certificate number to the dispute team. Several weeks passed and I still did not receive a letter, email, or call from XXXX. I called again and the third agent now provided a fax number to provide supporting documents and this agent stated disputes attempted to letter the account and email and it was closed again. I received no such contact from XXXX. Fax with supporting documents and details were sent to XXXX with direction from the XXXX agent. Still did not hear anything for over a week and new statement showed a balance due so called a fourth time and agent stated fax was received but no additional details from the dispute team. I was assured I would receive a letter with the dispute details. XXXX has made zero effort to contact me to resolve this dispute and potentially cause negative impact to my credit if I did not continue to call about the provisional credit. I request XXXX XXXX to respond to my multiple dispute requests.
07/23/2019
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
MI
48446
Web
The problem is the credit card issuer Comenity Bank, and XXXX XXXX XXXX.
The company is causing my credit score to not decrease or stay the same with ever payment I make. Every payment I make they lower my credit limit to keep my credit utilization percentage high.
XX/XX/2019 my credit limit was {$1300.00}, I owed them {$1100.00}, I made a payment of XXXX on XX/XX/2019, brought my balance owing to {$800.00}, I was working on getting my credit card amount down, and decrease my utilization percentage to raise my credit score, Comenity lowered my credit limit to {$850.00} so on XX/XX/XXXX my utilization was 89 % I made a XXXX payment, and on XX/XX/2019 it went up to 95 %, with no purchases made.
In XXXX I made multiple payments XX/XX/2019XXXX XXXX XX/XX/2019- XXXX My Credit limit was XXXX on XX/XX/2019, I made payments of XXXX, It states I made payments of {$77.00}, I owed {$800.00} and my balance was not {$730.00}. They again lowered my credit limit from XXXX on XX/XX/2019 to XXXX on XX/XX/2019, making me stay at 95 % utilization.
In XXXX I made another payment XX/XX/2019 of {$45.00} and another one XX/XX/2019 of {$40.00} Said they got a payment of {$23.00}, which lowered my balance from {$730.00} to {$700.00} They again lowered my limit on XX/XX/2019 from {$770.00} to {$750.00} on XX/XX/2019 making sure they keep me at the 95 % credit utilization percentage In XXXX I made a payment XX/XX/2019 of {$45.00} They claimed I made a payment of {$28.00} My balance was {$700.00} and was lowered to {$680.00} Again they lowered my credit limit from {$750.00} XX/XX/2019 to {$720.00} Again keeping me at the 95 % utilization This company has to be investigated, look on their XXXX page, i am not the only one that this company is hurting, and this is allowed.
Please help me get this taken care of, this is terrible.
08/05/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
WY
82801
Web
XXXX XXXX ( Victorias Secret XXXX Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX ) RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with.
I am absolutely certain that the item I disputed ( Victorias Secret XXXX Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX ) is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Very Respectfully, XXXX XXXX
03/16/2020
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
FL
34101
Web
Comenity Capital Bank, which handles loans for XXXX XXXX XXXX, schemes to offer interest free loans for furniture purchase ( I bought over {$16000.00} worth of furniture in XX/XX/2018 ) but then doesn't inform/remind you when your promotion runs up.
I had my balance paid down to {$3000.00} and then they charged me $ XXXX+ in interest last month. So now I owe over {$6000.00}. They told me tough luck, I should have been watching my paper statements, which have a notice on it, that the promo is ending.
First of all, they encourage you to sign up for e-statements. Those statements are emails that have a " Pay Now '' feature. You hit that button and you login to your account, only to be told what the minimum payment is, and the balance. NO WHERE does it tell you that you have an expiring promotion. XXXX XXXX XXXX ( XXXX XXXX ) has a HUGE notice, in RED when you are making a payment, letting you know that a promotion is to end.
I can't find a lawsuit dealing with this yet, with Comenity, but I might try to be the first one. I could have paid my balance off at any time. They didn't tell me when I purchased the furniture that it was only for two years. They say I signed papers stating that. But they probably didn't want to go over that in detail when I made the purchase since they just sold me over {$16000.00} in furniture.
AND NEVER, NOT ONCE, was it mentioned on my online account. So that is their scheme. They want you to sign up for e-notices, never look at your " paper '' statement, and then you get hit with a ridiculous amount of interest.
Their website/payment system also doesn't allow for you to dictate a payment that goes towards an expiring promotion. It only goes towards your total balance.
This needs to be corrected. Or I will be getting an attorney instead of trying to fix it like this.
07/12/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NJ
07950
Web
I opened an " Ultamate Rewards Mastercard '' in late XX/XX/2017 at a store and was told I would be mailed the information required for paying the bill. After two months, I had still not received any bills or the physical card and was receiving robo-calls demanding payment. I explained to a customer service representative that I did not have the information to pay the bill and they kindly allowed me to immediately pay the bill over the phone and forgave my late fee. They stated that they would send out another physical card and bill.
By XXXX, I had still not received my card, so I went to the store and they said they could just look it up using my phone number and other information. I bought my products and they said they were sure another card was on the way.
In XXXX, I had still not received a card! I was now receiving robo-calls again but I couldn't seem to catch a real representative on the phone to pay again. Since I was working 4 jobs and finishing my thesis, it took me a couple weeks to schedule a time that I could physically go into an XXXX store and ask them to give me my card information so I could use that to go online and pay a bill.
When I finally acquired this information, I paid precisely off what I had spent but I asked that the company remove my late fee as I had not had access to pay the bill until I went beyond what should be deemed reasonable to do so, due to never receiving my card. They refused immediately and in frustration, I closed my account.
I had double checked that my address was correct and I have never missed payments on any of my credit cards in my adult life. Now they are all accumulating with late fees. I have nearly {$70.00} in fees that are the result of their mistake. When I called again, they said they couldn't adjust anything because my account was closed.
11/29/2017
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CA
94110
Web
I made m first purchase using my XXXX Credit Card from XXXX XXXX on XX/XX/XXXX and proceeded to make a payment the same day. I got an email confirming the payment was processed. I tried to use my card again on XX/XX/XXXX and found I was unable. I had an available credit limit still of over {$1500.00}, so I logged on to the website check my balance and it said my last payment had been returned. I immediately made another payment. I noted the return was on the same day I received a confirmation email. I called XXXX XXXX because I had more than enough funds in my checking account to cover the payment that was returned. The person I spoke with told me there was an issue with " locating '' my bank account. I asked why no one let me know. I never received an email or phone call, it seemed like an easy fix. I also let him know that I had just made another payment using my same checking account information and would that also be returned. He assured me the payment had gone through and the information was good. So, I did n't understand what the original problem was. He also told me he could not refund the returned payment fee but that my new payment had gone through.
I 've been checking my bank account to see if the charge had cleared and it had not. So I went back on the website for the credit card and again, I had another returned payment and another fee. I also have another email saying my payment had been processed. I have now been charged {$50.00} in returned payment fees and my account is not up to date. I want to know why I was never contacted when my payments did n't go through. I also want to know why when I called the bank and spoke to someone I was given misleading information regarding my account. I want the charges reversed and I made good faith effort to pay this bill on more than one occasion.
07/17/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
MD
20871
Web
Servicemember
I had several accounts with XXXX XXXX and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account.
I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With XXXX doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly.
I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem.
I need a resolution asap. I pay every bill on-time every month ....
04/15/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
MS
39041
Web
On XX/XX/XXXX I went to my PayPal account to make my payment, but the credit link was not there. I thought it might be a glitch, so I tried again on XX/XX/XXXX, with no luck. On XX/XX/XXXX, or XX/XX/XXXX, I tried again. Still no credit link, so I called customer service. The woman I spoke with said that PayPal had done an internal audit, and found that I had filed bankruptcy. The account was closed, and I could no longer make payments to that account. I said that didnt make sense, and that I wanted to speak with her supervisor. When he got on the phone he said that because I had filed bankruptcy in the past, I should have never gotten credit to begin with. So in accordance with PayPal rules, and regulations the account was closed, and written off, and I was no longer responsible for that account. I asked for written confirmation to that fact. He said he would send me an email, but all I got was an email saying that I had a message in my secure PayPal message. I went to my messages, and there was no message.
When I checked my email the night of XX/XX/XXXX, I received an email that my PayPal account was available again. After being told that it was closed, and written off 6 weeks before. So I called back on XX/XX/XXXX, or XX/XX/XXXX, and was told that oops, we made another mistake ; I was responsible for the account again.
This is wrong. PayPal shouldnt be able to do that.
I am XXXX, and live on a fixed income. I have been trying to pay off my credit accounts, so when that supervisor said it was closed, and written off I expected it to stay that way.
I have been trying to find someone that could help me with this problem since I found out about it, but no one has been able to help me. Then I called the XXXX, and they told me to contact the CFPB. I hope you can help me with this problem.
Thank you.
07/10/2021
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
NY
11433
Web
Since prior to the pandemic, Ive noticed that every time I get my balance low enough to make a purchase that COMENITY BANK lowers my available credit and it is always reduced to very close to my statement balance amount. EVERY-TIME WITHOUT FAIL. Example, today I received a letter reducing my credit limit from XXXX to XXXX and my balance is XXXX. Last time they did it was 6 months ago when my limit was XXXX and they reduced it to XXXX. ( These are round about figures but the actions of COMENITY BANK is what Im disputing. The first time when I called them, they told me that there was nothing they could do about it and I told him that the reason for my late payments was that they dont allow the auto pay feature on the account. OK, I get my negligence IF that was the reason they indicated. It was not. They told me that there was no correlation to reducing my credit limit according to my balance. Today, these actions have confirmed me that that is a lie. I was paying down my card so I could make a purchase for my birthday and this is the second time that theyve done this. and this does not allow me to make any purchases on my card. Over the last two years, my credit has been reduced by the bank. The most recent notice that I received explanation was due to previous negative relationship with the bank. Then on the bottom of the page is the mandatory credit report that they are legally obligated to send you. That is not an explanation. The only reason why I didnt pay off my account with them is because Ive had that credit card since XXXX and at this rate, once they get the money, they will close my account, And closing that account will affect my credit average. But they are weaning me off of the card one way or another but they arent being honest about it. And this actually doesnt really help me at all
05/26/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Credit card company forcing arbitration
MI
48045
Web
Comenity Bank at XXXX XXXX XXXX, XXXX OH XXXX sent me a letter by mail dated XX/XX/XXXX that I received today. The letter explains my Avenue credit card handled by Comenity is now closed due to " previous negative experience with Comenity or " Comenity Capital Bank '', however, my balance of approximately {$560.00} remains due. What is more, I believe " the negative experience '' relates to my previous complaint about this Comenity Avenue billing to CFPB or FTC regarding Comenity 's fraudulent duplication of charges to my bank account. This was the content of their letter although my payments are currently up-to-date. Today I messaged the company at their online site suggesting they apply Account Assure despite and due to their mishandling of my Account Assure enrollment circa XXXX or XXXX for the sake of rectifying the situation, or alternatively offer me a Settlement in Full offer for 50 % or less the current balance. I would now additionally like to inquire to the CFPB how I may contest the bill entirely if I need to. I believe either of the three possible ways to pursue justice would suffice as Comenity related clothing companies began to bombard me with catalogs and advertisements starting in XXXX despite my request to the XXXX, by phone and later by online communication, to stop the solicitation. Their harassment despite my on-going attempts to protect myself led me to bankruptcy in XXXX. It has harmed my credit score, overall outlook and psychological health negatively. Finally, I am disturbed by how Comenity further maligns me by using further punitive measures on me for a negative experience that was their own faulty. I would like to suggest to your organization that it investigate my case with Avenue and Comenity specifically and Comenity at-large. I do not this Comenity is law abiding.
03/01/2020
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
DE
19807
Web
On XX/XX/2020, I tried using my Comenity Bank ( Comenity ) issued XXXX XXXX ( XXXX ) store credit card ( Card ) at the XXXX store in XXXX, PA. The purchase was declined and I was obliged to use another credit card. By doing so I earned loyalty points but not the enhanced total I would have earned had the Card been used. When I got home I called Comenity and was told because the Card was used in a different geographic area from my address there was a fraud block. I told the agent that XXXX is a mere 30 miles from my home address in Delaware and is the XXXX store closest to my home. Apologies were extended and I was told that the same problem shouldnt reoccur.
On XX/XX/2020, I visited the XXXX store in XXXX. I successfully made a purchase with the Card for about {$100.00}. About ten minutes later I saw additional merchandise to purchase. I went to the cashier and what ensued was a more than half hour frustrating experience with Comenity fraud personnel.
The new charge for {$210.00} was declined. I received a text message from Comenitys Fraud department. I called and long story short was asked to confirm the {$100.00} transaction and the declined transaction. I did so. I was told the decline occurred because the second transaction came too soon after the first and believe it or not, because of geography reasons, again! I was told the cashier could retry the transaction in 5 to 10 minutes. That was done - repeatedly. No success. After a half hour of waiting at a very crowded check out line I called Comenity again and was told the actual waiting time needed was 24 to 48 hours. Thus, the Card was again useless. I lost the enhanced points I should have earned and was embarrassed and unacceptably delayed - in addition to causing stress for other shoppers and cashiers - and XXXX losing part of a sale.
06/11/2018
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
FL
34112
Web
XX/XX/XXXX- I made a purchase of {$10.00} at the XXXX in XXXX , Florida .
XX/XX/XXXX- I received the first credit card statement from XXXX Credit Card showing I have a new balance of {$38.00} due on XX/XX/XXXX. I immediately called the XXXX number and was given the run around on how I was on a paperless statement with XXXX-XXXX. Finally spoke to XXXX and he waived the lates fee 's since I never requested paperless and was not aware of my balance. The balance of {$10.00} was paid on XX/XX/XXXX. I then requested the account to be closed, since the CRS 's before XXXX were so rude. Account was closed on XX/XX/XXXX.
XX/XX/XXXX- I received another statement from XXXX showing I now owned {$49.00} and I called immediately and they stated it has been balance to a XXXX balance.
Today XX/XX/XXXX - I received a call from XXXX stating I owed a past due balance and requested my payment. After reviewing the notes in the system the CSR transferred me to a XXXX at XXXX ext. XXXX, which was very polite and stated my account is now at a zero balance. I requested to speak to a supervisor, since it shows my accounts 3 payment past due and I completed the payment on XX/XX/XXXX when I received my paper bill. Spoke to XXXX and she assured me that the account is at a XXXX balance and the payment history was updated to show current and the error will be reported to the 3 credit agencies. I plan to call XXXX back in 48 hours to confirm this has been completed and contact the credit bureau 's next month. I have perfect credit and can not believe this credit card company is allowed to function and cause damage to my credit history that I have worked so hard for the last 25 years, plus continue to send me past due notices and calls to my cell. Please Help!
Thank you so much for your time and assistance.
XXXX XXXX
09/09/2017
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
NJ
07060
Web
This is regarding my XXXX XXXX XXXX card, which is managed by XXXX XXXX. On XX/XX/XXXX, I tried to make a purchase at XXXX using my card and the clerk told me that it was giving her a message " refer to card issuer '' The clerk told me that they normally get that if my card is expired. So, I checked to see at home if I had received a new card in the mail and did n't realize it -- I did n't receive a new card and furthermore these cards do n't have expiration dates. I made a call to the customer service on XX/XX/XXXX and spoke with a woman ( ca n't remember her name ). I advised her what the store clerk told me. She said that my account was suspended due to it being inactive for 11 months ( meaning that I did n't make any purchases ) I advised her that the last purchase I made was in XX/XX/XXXX, which she verified. So, I asked if the suspension could be lifted, because they obviously was an error. She advised that the only way to do this is if I authorized them to pull my credit report? I did n't understand why this was necessary, but I reluctantly agreed because I do like using the card when I go to XXXX. She said I would receive a letter by mail within 7-10 business days. I never received a formal letter by mail -- what I did receive was a letter by email within 2 minutes after I ended the call with the customer care rep to my " secure message center '' inbox ( this I access from viewing my XXXX credit card account online ) The letter indicated that my request for reactivation is denied. After numerous calls to customer service with no resolutions ( could n't even get through to anyone ), I reached out to XXXX via XXXX. Two different individuals responded back to me advising that they would check into this issue and give me a call. It 's been at least a month or so now and nothing has been done.
07/22/2021
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
FL
33498
Web
I was issued XXXX credit card when I leased a new XXXX 12 years ago. I never applied for this card, EVER, but did accept it once I received it. I had always paid it off monthly and never missed a payment. Due to my husband losing his job of over 10 years by layoff completely unexpectedly in XX/XX/2018, my being XXXX, followed by loss of much income over past 2 years due to pandemic, I incurred much debt by credit as I had to use them for groceries, to pay my mortgage, and other necessities. After 1 year of not paying, I have now been receiving multiple daily calls from the debt collector assigned by XXXX XXXX. They have called and texted ALL of my family members - my mother, my sister, my daughter in college, my ex-husband, and even my ex-mother in law. I asked 3 times to NOT call any family members. Mr. XXXX XXXX advised he would stop and made note of this 3 times as did his manager " XXXX. '' My mother was called and harassed again yesterday with Mr. XXXX telling her I said she would be settling my debt, leaving her in absolute tears. Again, I have spoken with this collector a few times and asked what my options are to settle down amount owed. While waiting for their answer, I tried to find a way to come up with this money. I am filing this complaint as no other debt collector has gone so far as to call, text, and leave voice mails on NUMEROUS occasions with family in order to embarrass me and smear my name. This collector also leaves me multiple messages a week threatening to sue me. Last communication was on XXXX XXXX XXXX. I have attached the ONLY written notification I have EVER received from them. It was by email. Never have I received one piece of mail from collector. I also attached email signature with settlement offer, which doesn't even match name of person/people I have spoken with.
03/20/2021
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Charged fees or interest you didn't expect
NJ
07079
Web
I obtained a " your tuition solution '' credit line to fund my daughters XXXX XXXX XXXX with XXXX.
The bank that provided the line of credit in in the amount of {$2700.00} is Comenity Bank under a program - " Comenity Your Tuition Solution ''. Account Number - XXXX.
The credit line, effective in XX/XX/XXXX, was a XXXX interest loan provided that I paid a monthly minimum amount and paid off the loan by XX/XX/XXXX.
I discovered in XX/XX/XXXX that ( i ) every month, I paid Comenity Bank at least twice ( for most months, 3 times ) the minimum due each month, and ( ii ) Comenity Bank charged a late fee for most months in the total amount ( plus interest ) of {$250.00}. I discovered that even though I paid 363 % of the required minimum for 12 months, XXXX kept charging a monthly " late fee ''.
XXXX claims that, even though I paid 2/3 times more than was required each month, they had to charge late fee because they received my funds late. My records ( see Exh ) show that my bank ( XXXX ) debited my account on XXXX of each month in vast majority of cases, which was 5 days earlier than the Comenity due date of XXXX. My records also show that certain payments made within 3 days, 4 days, or 5days ( e.g., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX of XXXX 's XXXX deadline were received on time. PLEASE EXHIBIT. Comenity Bank has failed to explain why certain payments made within 3/4/5 days were timely while other payments made within 3/4/5 days were late and deserving of late fees. I have informed XXXX that the only logical explanation is that they ( Comenity ) experience Operational challenges and I should not be penalized for that.
Upon raising this issue with XXXX in XXXX, they reversed the inappropriate " late fee '' charge for XXXX but have refused to reverse the charges for the other months.
09/15/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
WI
54891
Web
Older American
I ordered three pair of XXXX Stretch Skinny Pants in sizes 6, 8, and 10, on XX/XX/2018, Order # XXXX, ( my XXXX card was charged on XX/XX/2018 ) and three pair of XXXX Stretch Skinny Pants, all of them in size 8, on XX/XX/2018, Order # XXXX, ( my XXXX card was charged on XX/XX/2018 ). The size 8 from the order on XX/XX/2018 fit well so I ordered three more XXXX Stretch Skinny Pants on XX/XX/2018 ; however, those three pair did not fit well so I returned all three size 8 XXXX Stretch Skinny Pants, plus the sizes 6 and 10 XXXX Stretch Skinny Pants via the USPS on XX/XX/2018, Tracking # XXXX and Tracking # XXXX.
I checked the Tracking # s and the two return packages were picked up and processed by an agent on XX/XX/2018, but my XXXX card was not refunded. I currently have a XXXX balance because I had set up automatic payments beginning on XX/XX/2018, to pay my XXXX bill in full each month. I had ordered the Pants before XXXX announced via email that it was going out of business, and I had returned the pants to XXXX within 30 days of receiving them and XXXX had a very liberal return policy. I had returned items even three, four, or five months after I had purchased them, with no problems.
I called XXXX to request my refund, I think in XX/XX/2018, but the person I spoke with said that the pants had been returned after the cut off for returns which I disputed because I had ordered the pants before the closing announcement and had never received notice that items had to be returned by a certain date. The person took my complaint and said I probably would not hear anything until the end of XX/XX/2018. I waited a little longer than that, hoping it would be resolved, but it still hasnt, so I am sending my complaint to you, in hopes that you will be able to get my money refunded to me. Thank you!
08/22/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
NY
10025
Web
This complaint is regarding PayPal Credit formerly XXXX XXXX XXXX. I have been a consumer of this account I believe for more than 10 years ... The account remaining in good standing. Since PayPal Credit has taken over the account there seems to now be issues with the company receiving my payments in a timely manner. This has and is causing my account to occur late fees. It appears the action of not receiving the payments on time is being done sporadically. I have since closed the account after complaining to the company and they informing me there is nothing they can do about the problem. Payment was mailed on XX/XX/XXXX for a payment date of XX/XX/XXXX. Payment never received and not returned undeliverable. Payment mailed XX/XX/XXXX for a payment due date of XX/XX/XXXX. Payment never received and not returned as undeliverable. Payment mailed XX/XX/XXXX for due date of XX/XX/XXXX. As of XX/XX/XXXX payment has not be received. I believe all of these payments were mailed in more than enough time to be received as similar payments have been made to the same company on or around the same dates and those payments were received on time. XX/XX/XXXX payment was mailed XX/XX/XXXX and cleared on XX/XX/XXXX and XX/XX/XXXX payment mailed XX/XX/XXXX XX/XX/XXXX and cleared XX/XX/XXXX. The only thing that was suggested to me to avoid late fees on the account was to either call in payment or set up an online account to a sure on time payments. The consumer should not have to be FORCED to call in or pay online to avoid late fees when payments are, being mailed in a timely manner, because business has no payment centers to receive payments other than the above options. I am filing this compliant because I believe this is a deliberate attempt to get the consumer to stop making payments via paper statements.
07/26/2021
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
NY
11221
Web
It has come to my attention that Comenity Bank/Lane Bryant, creditors and debt collectors, as defined pursuant to 15 USC 1602a ( g ), and 15 USC 1692a ( 6 ) has violated my rights as a consumer pursuant to title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act, and 15 USC 1692 Fair Debt Collection Practices, by misinforming me about the use of my credit, invading my privacy, furnishing deceptive forms, and by providing abusive and unfair debt collection practices. Pursuant to 18 USC 8, the alleged debt was already paid for under the obligation of the United States. Pursuant to 15 USC 1602a ( g ), I am the person, and the original creditor who is federally allowed to extend credit to any, and all banks. Comenity Bank/Lane Bryant never loaned me money for this credit card. Banks can not loan money, Congress never gave banks the power to loan money.
In XX/XX/XXXX, Comenity Bank/Lane Bryant lowered my credit limit without notice, and OnXX/XX/XXXX, Pursuant to 15 USC 1691 ( d ), and 15 USC 1691 ( a ) ( 6 ), Comenity Bank/Lane Bryant committed adverse action upon me. Comenity Bank/Lane Bryant closed my credit card account due to inactivity, without my permission. Pursuant to 15 USC 1602 ( a ) ( p ) this is unauthorized use of my credit. I did not benefit in any type of way from Comenity Bank/Lane Bryant revoking, and closing my credit account. On XX/XX/XXXX, XXXX XXXX of the Compliance Department at Comenity Bank/Lane Bryant threatened to injure my reputation to the consumer reporting agencies by retaining my consumer information, amongst other civil and criminal acts. This is a federal violation pursuant to 18 USC 876 ( d ). This is attached in the documents of this case. These are just a few of the federal violations Comenity Bank/lane Bryant, and XXXX XXXX have committed upon me.
08/23/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MI
48169
Web
I purchased furniture from XXXX XXXX and applied for their credit card through Comenity Capital Bank. I paid the bill in full {$730.00} XX/XX/XXXX. I then received a bill stating that I did not pay the XXXX and also was charged late fees and interest and that my new balance was XXXX ( XX/XX/XXXX due date ). I contacted Comenity Capital Bank and completed their resolution process. I was sent a letter dated XX/XX/XXXX which stated what I needed to send in. I sent in a letter dated XX/XX/XXXX along with my current bill due date XX/XX/XXXX in the amount of XXXX and the electronic check ( front & back ) from the bank ; a copy of the XX/XX/XXXX letter and a copy of the bank transmittal showing when the check was delivered to the comenity facility in XXXX XXXX, TX.
Later, I received a letter dated XX/XX/XXXX stating, " after careful investigation, we have determined that you are not are not responsible for paying the disputed amount. This adjustment has been made to your account, including any related charges and/or fees, as applicable. Please allow on to two billing statements to reflect the adjustments. If applicable, we have provided this updated account information to the credit bureaus.
I continued to received bills that show fees/interest accruing. I called Comenity Capital Bank in XXXX to have them correct this issue as it is affecting my credit with the various bureaus. I was informed that there was nothing that could be done and to wait one more billing cycle. My XXXX bill showed that I owed {$40.00} ; XXXX {$63.00} ; XXXX {$73.00} and now XXXX {$100.00}. Comenity Capital Bank calls my cell phone 3-4 times daily wanting me to pay them what I do not owe. I can never get anyone to correct my account and it is now a HUGE PROBLEM. I feel completely harassed by this banking institution.
02/10/2022
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
MD
20774
Web
While shopping in store at the store in XXXX XXXX, MD as I finished shopping and went to the register for checkout, my cashier asked me if I would like to apply for a XXXX credit card. She did not specify if it would be a store card, or a master card. So I asked her to only be considered for a master card and she nodded her head ok, and proceeded to use my information to apply for a credit card. She said I was approved for a total amount of {$650.00}. She did not disclose to me the terms or any TILA, disclosers. She gave me a discount and said she does get more $ $ when customers apply and thanked me. Upon receiving a statement as well as the XXXX XXXX, I noticed It was not what I as the consumer requested. They approved me for the XXXX XXXX XXXX, which I did not request at the time of applying on XX/XX/2022. They have also violated me using deceptive debt collection practices by calling me and using a postage with their logo on it which is a violation under title XXXX, they were marketing a master card which is not what I received. After speaking to a Senior customer service agent today by the name of XXXX at the Ohio office, he explained that XXXX cashiers are not aware of the interest fees, application process, or approval process and that she should have told me to contact the bank. If they are not aware of laws, or fees or anything pertaining to what they are advertising then they should not be advertising it! On top of that they had the incorrect mailing address on my account which affected me to not receive my statements or credit card. According to 12 CFR 100.2, I Can not be denied credit on application. I CLEARLY was denied credit ( mastercard ) which is in violation of the FCRA. They have violated me many times within the last few months and as a consumer this is traumatizing.
08/02/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
NC
28023
Web
I was lured to opening an account because you could get {$25.00} off your first purchase, I was approved for {$1200.00} which I was happy about because I had been working to improve my credit and that validated I was doing a good job. I used that card I think I had a a {$400.00} something dollar balance I had gotten a bonus from work and decided I would go ahead and pay it off. After I ended up using the card two more times then did a return on one of the items, then went back to try and find something else on another day XX/XX/20 to be exact, when I went to check out the card kept declining, I was very embarrassed and asked if I could step aside and call them because I should have way more then enough to cover. Well when I call I am told that the account was closed on the XXXX, when I asked why she said that XXXX advised them to close the account because I had a lot of new inquiries I was like that is crazy, I was approved for the card through Comenity Bank. The representative told me to call XXXX which I did three times and all 3 times they told me they do not do that, they don't notify companies after the card is approved, and that this particular account was in good standing and they were not even showing it closed so I called the bank back and they told me the same story but told me I could apply again in 30 days. This seems very unfair to the consumer, I was in great standing with the account made payments on time. paid balance in full, I mean what more do they want? So now if I want to apply again I have to take another hard inquiry on my credit. Once you are approved for a card and you keep it in good standing they shouldn't be able to close the account under false pretenses, this is why people are struggling with credit because they ae being railroaded by the credit companies
08/08/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
GA
30004
Web
My complaint relates to the Comenity Bank XXXX Visa credit card, which is a general-purpose card and is not limited to use at XXXX. I applied and opened my account on XX/XX/XXXX. One of the promotions offered was a {$20.00} welcome gift certificate to be sent to me via post mail within a few weeks of receiving my card in the mail. To date I have not received this gift certificate despite my account being in good standing. I was expecting the gift certificate to be mailed, and carefully searched any letters that were sent to me related to the credit card. I am positive the gift certificate was not sent via physical mail.
I have reached out to Comentiy Bank customer service multiple times regarding this issue via secure email and phone. The bank customer service referred me to XXXX store customer service, who confirmed the gift certificate is a benefit offered by the bank, not the store. They also said the bank recently went paperless and that the gift certificate could have been sent via email instead of physical mail. The only email I've received from the bank was on XX/XX/XXXX and contained only general information about the credit card and benefits. I never received emails related to my bills or my communication with the support staff. We did confirm that my email address on file is correct and that no emails were mistakenly sent to spam, etc.
After being unable to assist me, XXXX store support referred me back to the bank, and the bank continues to refer me back to the store. The bank refuses to address the issue and it is clear at this point that they have no intention of sending me the promotional gift certificate. I have closed my account effective today, XX/XX/XXXX. Attached to this complaint are copies of my communication with the bank customer support team via secure email.
01/10/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
VA
20148
Web
I opened a Comenity Bank XXXX credit card account in XXXX. Consumer accounts were closed on XX/XX/XXXX by Comenity Bank due to their separation from XXXX. My last purchase on this account was XX/XX/XXXX. I continued to pay my remaining balance without ever being late. I paid off my balance on XX/XX/XXXX resulting in a {$0.00} balance. On XX/XX/XXXX, I received a bill from Comenity Bank for {$2.00} stating this was interest due on purchases prior to XX/XX/XXXX. When I contacted Comenity Bank, they refused to remove the charge, threatened a late fee of {$41.00} if I didn't pay it, and couldn't explain why I was being charged interest on an account with a {$0.00} balance. The Comenity Bank supervisor I spoke with initially stated that the charge was because I paid after the due date, which was untrue. The balance was due on XX/XX/XXXX. I paid on XX/XX/XXXX. She then became combative with me. The impact on me is that I fear I will never truly have a {$0.00} balance with Comenity Bank if they are able to continue to charge me interest on purchases from prior years and to which I've already paid. As it stands, I have paid EVERY amount they've asked me to pay for the duration of this account, which includes ALL interest on EVERY purchase. When I filed a complaint against Comenity Bank with CFPB, they responded by violating my privacy rights and breached my personal information by sending CFPB 6 months of my bank statements WITHOUT my knowledge or permission. My statements showed my entire account number, address, purchased items, credit card information and other private data. I contacted Comenity Bank and they failed to respond to why they sent 6 months of my bank statements to an agency. Comenity Bank has charged me late fees for payments that were made several days prior to the due date.
09/20/2021
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
IL
60827
Web
DEBT COLLECTOR IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE XXXX- I AM THE EXECUTOR XXXX XXXX XXXX ( XXXX ) Comenity Bank at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX they are reporting a collection account on my consumer report - Account # XXXX. Comenity Bank is reporting that I do not owe them a past due balance? Yet they are on my consumer report giving the impression that I owe them. They also state that they sold my account to a third party. Firstly, I did not authorize them to sell the account to any third party, that is violation of my right to privacy according to the FDCPA and a violation of my right to be secure in my papers according to my 4th Amendment right. Secondly, they sold the account, I no longer owe them anything. In fact, I never owed them anything. I participated in a consumer credit transaction with you and extended YOU credit, and you took advantage of me by making me believe that you lended me your own assets when in reality you lended me my own federally protect money that is backed by my credit card ( social security number ) and the United States of America, according to 18 USC 8. Yet they are falsely stating that I owe them, that is a violation of 15 USC 1692e ( 8 ) and 15 USC 1692j. They are committing Aggravated Identity Theft against me pursuant to 18 USC 1028, they are unlawfully transferring my authentication feature electronically to unauthorized third parties. They are also conspiring against my rights with the Consumer Reporting Agencies and this third party that they sold my debt to, according to 18 USC 241. This debt collector is violating a number of my federally protect consumer rights. I have included several violations that you, Comenity Bank, owe me in my Bill of Particulars.
01/04/2022
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
MI
48201
Web
The company in question is XXXX. Do to resent medical events and other occurrences, it was a medical suggestion for me to get a pet for emotional support. Long story short, I went to see a pet at XXXX, they had me fill out some paperwork while I played with an adorable puppy. Then I was given 24hours to decide if I wanted the dog that I saw and played with that day. ( XX/XX/XXXX ).
I came home, did a little research and decided that I did not want the dog, the very next day or any other date in the future. I informed XXXX personnel on ( XX/XX/XXXX ) less than 24hours later of my position, not to proceed with the purchase. A few months passed and some time in XX/XX/XXXX, I received a bill stating that I owed {$2200.00}. I immediately contacted the credit card server to file a complaint. I was told that an investigation would be conducted and that someone would be in touch. No one followed up with me and I continued to receive stressful calls for collection.
Do to some unforeseen financial issues alone with the medical ones, I was encourage to file bankruptcy and XXXX was a part of the inspiration for me to move forward with the recommendation given by my attorney.
Perhaps my creditors will get some sort of payoff from the bankruptcy including XXXX, but my complaint and real concern is, how many other individuals are being scammed or harassed into such difficult circumstances and feeling helpless as thought theres nothing they can do about the threat of this type of credit reporting?
And by the way XXXX has since then remove their companies name from the XXXX, which was where I retrieved most of the discouraging information not to buy a pet from them. And still to this day ( XX/XX/XXXX ) I do not have and did not purchase a pet of any kind from XXXX or any other pet venders.
01/26/2021
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Application denied
FL
32967
Web
Good afternoon ; My name is XXXX XXXX. I applied for a store credit card from XXXX XXXX XXXX XXXX XXXX XXXX. I bought an engagement ring. I paid cash for the setting on XX/XX/2020, in the amount of {$1700.00}. I applied for financing that night. The financing was through Comenity Bank. I was told I would receive a letter in the mail with instructions in 5 to 7 business days which I did. The letter indicated to bring in my w-2, a utility bill, drivers license and social security card which I did on XX/XX/2020. I had already paid {$880.00} as a deposit to have selected diamond sent to the store. Once I confirmed the diamond I gave another cash payment of XXXX on XX/XX/2020, bringing the balance to {$5000.00} for a diamond that cost {$7800.00}. ( Included tax ). So at that point I was going to take the financing being my credit score is over 700, 28 % debt to income ratio. Comenity bank stated in the letter to send my drivers license, social security card, utility bill and w-2 to a PO Box without a tracking number because there would be no one at a PO Box can sign for it. We called customer service who told us we can only send the Information to a PO Box . They refused to take the information by fax and do not have a secured website or portal to upload my personal and private information to. I was appalled being a licensed MLO. It is my understanding any business handling personal and private information such as social security numbers must have a secured portal to upload documents or a fax to receive the incoming items such as social security numbersdrivers license. I do not believe sending personal and private information unsecured is acceptable in any way. At that point I chose not to work Comenity Bank and feel this should be looked into to help avoid any type of fraud. Thank you
03/30/2017
Yes
Debt collection
Medical
Communication tactics
Frequent or repeated calls
NV
89002
Web
I have a dental account with XXXX, which is financed by Comenity Bank. In XX/XX/XXXX I contacted them and made a large payment of {$500.00} because I wanted to pay my account ahead a few months. This month I started receiving phone calls and text messages from them stating that my account was delinquent. I did not consent to text messages first of all. Second of all they will call me 4-6 times per day, and they will call me from several different phone numbers. Then they start calling and texting my husband on his phone. My husband is not on this account, and I have never given permission for him to be contacted. When I asked why they were calling him I was told that in the state of Nevada they are allowed to call my Spouse. After I paid the amount i was told I owed, I still received text messages telling me to call them. When I called them they were still trying to collect the payment I had already made 2 days earlier, and I told the customer service agent I was going to contact an attorney. I told him I wanted to talk to his supervisor he refused to transfer me until I gave him an attorneys name and phone number. I told him I was driving and was on my hands free device and could n't safely provide that information, he said he did n't care and still refused to transfer me. He said I should n't have called them if I was n't prepared to give them that information and he was n't going to transfer me. I told him they were harassing me, they were calling me and texting me over and over and over again about a debt I did n't owe, they were calling my husband who is n't on the account, they are texting me when I did n't ask or approve that and I wanted to speak to a supervisor and he still refused. They have since reported a late payment to my credit report and are refusing to remove it.
12/04/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
CA
95242
Web
I WENT ONTO XXXX XXXX XXXX XXXX LOOKING FOR A ITEM ON XX/XX/XXXX, I PUT A ITEM IN THE CART AND AS I DID AN ADD FLASHED UP ON THE CREEN IN A BOX AND SAID IF I APPLIED AND WAS ACCEPTED I WOULD RECEIVE {$15.00} OFF MY FIRST TOTTAL OF PURSHASE, SO I AAPLIED AND WAS APPROVED. THEN I TRY TO ORDER BUT NEVER RECEIVED A COUPON OR TEMPORARY NUMBER TO SO I COULD PLACE MY ORDER? SO I CALL THE BANK AND WAS TOLD OR WERE SORRY YOU SHOULD HAVE RECEIVED A EMAIL AS SOON AS IT WAS APPROVED? BUT I NEVER DID, SO SHE SAID ILL HAVE TO WAIT TILL MY CARD CAME IN THE MAIL, SO 9 DAYS LATER I RECEIVED MY CREDIT CARD, BUT NO COUPON FOR THE XXXX XXXX OFF. SO I CALLED THE BANK AND THEY PASSED THE BUCK TO XXXX XXXX XXXX CUSTOMER SERVICE DEPT, THEN THEY SAID THEY DIDN'T KNOW WHY THE BANK SAID TO CALL THEM THAT THEY DIDN'T HAVE ANYTHING TO DO WITH IT TO CALL THE BANK BACK SO I DID, THEN THE REPRESENTATIVE FROM THE BANK SAID WE DON'T HANDLE THE DISCOUNTS ETC,, SO I GOT XXXX AND ASKED TO SPEAK TO A SUPERVISOR, EXPLAINED TO HER WHAT WAS GOING ON AND SHE AT FIRST SAID THE SAME THING THEY DON'T HANDLE THE DISCOUNT COUPONS OR SPECIALS I SAID THIS IS XXXX AND KINDA LET HER HAVE IT IN A PROFESSIONAL WAY, TOLD THE PRIOR REP THAT I WAS GOING TO MAKE A COMPLAINT WITH YOUR DEBT, FINALLY SHE SAID TO HOLD ON MINUTE SHE WOULD TRY TO SEE WHAT SHE COULD DO, SO SHE GOT BACK ON AND SAID THE WAS A PROMOTION IF YOU AGREED TO A TEXT I WOULD THEN RECEIVE XXXX CREDIT TO MY ACCOUNT I SAID FINE I'LL DO IT, THEN SHE SAID FOR ALL MY HASSLE THAT SHE WOULD AS A COURTESY APPLY THE XXXX TO MY ACCOUNT AND IT WOULD SHOW UP ON MY NEXT STATEMENT. I FEEL THIS WAY OF CONNING PEOPLE BASICALLY DOING A BAIT AND SWITCH TO GET YOU TO SIGN UP FOR CARD IS UNETHICAL AND UNPROFESSIONAL .AND SHOULD BE ILLEGAL.AND THEY SHOULD GET IN TROUBLE FOR THESE PRACTICES.
06/28/2021
No
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NM
88203
Web
Reference Case # XXXX On XX/XX/2021, I called Comenity Capital Bank ( XXXXXXXX XXXX ) to pay my card off. I had received late fees in the past and wanted to get this card taken care of. I spoke with the Customer Service Representative ( CSR ) and informed him that I will pay the balance in full as long as there was no late fees or penalties assessed. At the end of the conversation and prior to me providing payment, the XXXX asserted that I will not have to pay the fee associated with paying over the phone, any late fees, penalties, or interest.
In the beginning of XXXX of 2021, I received a statement from XXXX XXXX Comenity Capital Bank stating that I had a balance due on XX/XX/2021. I was assessed {$35.00} for the late fee that I was told I would not have if I paid my balance in full. I was also given a finance fee of {$9.00} for a total of {$44.00}.
I sent a message on XX/XX/2021 stating that I filed a complaint with the CFPB and that the CSR I spoke with asserted that I would not have any other fees. I received a message that same day XXXX XX/XX/2021 XXXX from Comenity Capital Bank on their web site stating that my request has been forwarded to the correct department and they thanked me for my patience.
I received another statement with a closing date of XX/XX/2021 and a due date of XX/XX/2021 for the amount of {$81.00}. This is due to another {$37.00} in fees. I last spoke with Comenity on XX/XX/2021 and the CSR could not find the recorded conversation I had with the CSR who took my initial payment. Comenity Capital Bank is engaging in unfair business practices by taken advantage of consumers. They are using bait and switch tactics. Lastly, Comenity Capital Bank is willfully and knowingly providing false information so that they may charge fees that are excessive.
10/25/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
GA
30126
Web
Servicemember
Comenity Bank Wayfair Credit Card -Balance {$0.00} - Comenity Bank has not provided me a final statement -Contacted Comenity 2 occasions on confirmation of credit impact but I was only referred to the credit bureaus.
-Credit Bureau was unable to help because at that time the trade line was current.
I believe this is a violation of The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX.
I held a retail credit card with Wayfair services by Comenity Bank ( XXXX XXXX XXXX XXXX OH XXXX ). My account was in good standing and paid. I was notified that Comenity would no longer be the servicer for the retailer Wayfair effective XX/XX/XXXX. This corporate decision was not based on the individual credit habits, this was a corporate business decision, for which I understand.
Unfortunately, upon review of my credit profile Comenity bank closed my trade line and I realized a XXXX point decrement against my personal credit score. As you are aware the credit score is a reflection of a consumers buying and credit habits. Why am I and your constituents being egregiously being penalized for a corporate choice not reflective of my spending habits.
I am writing you because Im todays day and age as we work to keep our economy sustaining and moving violations like these will diminish Americans buying power because of a corporate decision. I personally am in the middle of a home purchase and this violation, has placed that in jeopardy. And I cant help but think, who else has been impacted. A person may have lost a career opportunity. A home refinance a home owner needed to keep their home. So much is weighed in this country on your credit profile that I had to write and I had to let this violation be known.
03/07/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
WA
98019
Web
I paid this card off in full early. First red flag was they started charging me interest before ever even sending me a bill to pay on a zero interest for a year account. I paid the account off in full back on XX/XX/XXXX with a memo notification to close my account. They then sent me an interest bill for {$17.00} against a XXXX balance. So I called to confirm my account was closed. Today was my third attempt to confirm closure since they sent me another bill. I spoke with XXXX from Comenity-Iddeal Card on XX/XX/XXXX to confirm closure, she verbally stated yes it is closed and we will credit you the {$17.00} interest charge. HOW are they charging interest on a XXXX balance account? I then received another bill for XXXX with not only the {$17.00} but a late fee of {$19.00}. XXXX stated I would be sent a confirmation letter of closure on XXXX. I called again today since I now have a bill for fees for {$36.00}. Spoke to XXXX this time and she confirmed my account was closed yet I have a bill for a late fee on the XXXX that I didn't pay for XXXX - when I had a XXXX balance which is why XXXX waived that fee. This company is trying to charge interest when there is NO money owed! They are then not following up with written confirmation of the closure and are still trying to charge me interest with a late fee! Again today they confirmed that the account was closed and she was asking her supervisor to waive the fees - how are they billing interest to a XXXX dollar account! They stated again I would receive an e-mail and a letter but it would take 3 to 5 days. Since when does an e-mail take 3 to 5 days! This is beyond an unethical business practice but fraudulent to charge someone interest when nothing is owed and then to try and tack on a late fee to that AFTER the account was CLOSED!
02/21/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
MD
20849
Web
In XX/XX/2017, I ordered XXXX items from XXXX XXXX totaling {$45.00}.
On receiving them, I decided to keep just XXXX and return the other XXXX because I did not like them.
I called XXXX XXXX to get the exact amount for the one I was keeping and they told me {$15.00}. I wrote a check for that amount, put it the package of the items I was returning and mailed it at the Post Office on XX/XX/XXXX. My post office receipt shows that delivery date would be XX/XX/XXXX.
My next statement payment due date was XX/XX/XXXX. XXXX XXXX confirmed to me that they my check and returned items in XXXX.
Then I received a letter from XXXX XXXX stating that my payment was late and that they have assessed a late charge on my purchase.
I immediately called XXXX XXXX to inquire why my payment would be reported as late.
They told me that XXXX XXXX is their bank which underwrites their account. They gave me the bank 's number and asked that I should call them and tell them that they received my check in good time but that they delayed presenting for payment in time.
I called XXXX XXXX and explained this to them. The rep who took my call stated that she will leave a note against me account that the check was received in time by XXXX XXXX. I thought this was over.
The next month, XXXX XXXX sent an adverse report to the XXXX credit reporting agencies that my XXXX account had a late charge. Every month they increased the amount.
I lodged a complaint with the XXXX credit bureaus regarding this matter. They tell me they have contacted XXXX XXXX to no avail. XXXX XXXX continued increasing the so called late charge until they brought it up to {$200.00} and then charged it off.
XXXX XXXX has adversely affected my credit rating all for a business transaction in which I paid my bill and in good time.
08/10/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
GA
31757
Web
On XX/XX/XXXX, I received a letter from a company, Comenity Capital Bank, stating that a XXXX XXXX credit card account revealed potential security concerns and/or irregular credit card transactions. ( see attached ). I immediately called the company Comenity Capital Bank and informed them that I do not have a XXXX XXXX credit card and never have and that my name is not the same as on the account listed on the letter and they stated that they would investigate for fraud. In a few weeks following this, I then started receiving harrassing phone calls from the same company, Comenity Capital Bank, at least once a week stating that I needed to pay this balance. I each time told the company that this was NOT MY ACCOUNT and I did not have a XXXX XXXX credit card and even spoke with somone in their fraud department to verify that the name and the ss # on the account was NOT mine ... so they said they would stop calling me. I few weeks later I began recieving calls from Comenity Capital Bank again threatening me with financial penalties if I did not pay the balance, in which I again told them that this was not my account and verifed the ss # and name on the account was not me. On week of XX/XX/XXXX I received an alert on my credit report that my credit score had decreased so I reviewed my credit report and saw that XXXX XXXX had put an uncollected debt on my credit report for over 3,500.00 so I started the dispute process with XXXX. I have attempted to call Comenity Capital Bank and have them remove this collection from my credit reports but can not get through. I am contacting all 3 credit bureaus to have this claim removed from my credit report as it is not my account and even has an incorrect name listed on my credit report and has caused my credit score to decrease by 50 points.
03/26/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CO
80219
Web
I took out this line of credit for dental work that I needed to have done. I have been paying the card, paying over the minimum balance on the card but noticed multiple FINANCE CHARGE CREDIT of over {$200.00} when a promotion was over on the card. The promotion period being over was explained to me on the phone after I called to ask why an over {$200.00} change was put on to the card. I have never had a credit card with such a complicated and confusing fee structure. My balance at the end of the XXXX cycle was {$820.00} with payment of {$35.00} required, I paid {$50.00}. After my payment, the new balance is {$990.00} even though my payment was on time and more than the minimum balance. I was upset to see the increase and asked to speak with customer service to help me with paying off this card and asked to reverse those charges. Most card companies are happy to help you pay off debt and the agent I spoke to on XX/XX/XXXX told me they would issue a credit/reverse the charge to try to keep me from canceling the card. She told me that since they charge a fee to take payments over the phone that my new balance would be around {$700.00} and the credit would be seen in about 24hour. I checked my account and 48 hours later saw no credit. I called the customer service again on XX/XX/XXXX to learn that because this charge was " correct '' that they would not be reversing the change. I asked to speak with someone else to get help with this situation and was told the same thing. I do not feel that these promotion periods are clear and that they take advantage of their customers. No credit card should be this confusing and be unable to help their customers pay off their debt. They would not help resolve this issue. Looking at my transactions every day there are new fees put on to the
02/17/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
76210
Web
I've had a XXXX XXXX XXXX credit card for several years. I made a purchase for {$23.00} on XX/XX/XXXX. In XX/XX/XXXX, I discovered I was a couple days late making my payment and called their customer service on XX/XX/XXXX. The representative said as a one-time courtesy, they would remove the late fee of {$23.00} plus {$1.00} interest from my account if I made my payment right away. I made my payment of {$23.00} on-line, and trusted that the issue was resolved that day.
I routinely pay my credit card balance in full, and I received no correspondence ( mail, email, or phone ) about the late fee NOT being reversed as was promised. Because the representative had not reversed the fee, I discovered today ( XX/XX/XXXX ) that after I paid my balance, not only was the late fee/interest not reversed, but I was charged {$24.00} on XX/XX/XXXX plus interest and {$29.00} plus interest on XX/XX/XXXX. The total in late fees and interest is now a balance of {$81.00}, even after my balance of {$23.00} was fully paid on XX/XX/XXXX. This does not seem fair or accurate to me, as the customer.
I believe the company allowed these late fees and interest rates to compound, without contacting me by phone or email, as it is to their advantage to charge the customer more. This is completely unethical. I have had a consistently high credit rating, and trusted that this issue would be resolved by calling XXXX XXXX today -- however, they wish for me to submit information to their billing dispute department to resolve this.
The issue at the heart of this is that their representative didn't follow through with what she promised, and now I'm required to prove this. This should not be left to me as the consumer to correct -- the company needs to take responsibility for this failure of follow-through.
08/06/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TX
76092
Web
I purchased jewelry from XXXX XXXX on XX/XX/17 using the XXXX XXXX Store credit card from XXXX XXXX. I returned this item within the 30 day window had my RMA return number : XXXX issued on XX/XX/XXXX. I received a return confirmation from the XXXX XXXX company on XX/XX/17 that they received my return. I used certified mail to return my shipment to the company and they received it on XX/XX/17 which was prior to my payment being due. However due to a 5-15 business day window that they used to inspect my merchandise upon return, they didnt credit my account back for the merchandise return until after my due date was missed and I was charged a {$39.00} late fee. They fully credited the original merchandise and that showed up on the Next statement but because of their inspection processing window they did not issue the full credit when they received the return they only issue the full credit after my due date was missed and my account incurred a {$39.00} late fee. I have refused to pay this {$39.00} fee and have told them that the merchandise was in fact returned to them in its original condition prior to my bill being due. They will not waive this even though the late fee is representing their internal inspection process and not my failure to pay for or return their merchandise. This {$39.00} has now turned into three months of additional late fees and additional interest charges on those late fees, which I believe is illegal. I feel this is completely unfair and they should have issued a provisional credit to my account once they received the merchandise return on XX/XX/17. I dont think my credit scores should be impacted because of their process. They need to remove the late fee and the late fees on top of late fees and expunge all late payments completely from my record.
03/03/2021
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CA
92024
Web
I applied with Comenity through XXXX XXXX to for a credit card. There was a promo offer that offered up to 15 % off of your purchase or {$50.00}, the lesser. I was buying a product that was about {$550.00} and it made sense to take the hard inquiry The terms clearly showed the rewards benefit of the general purpose visa offer or the private label in store only card. I selected the XXXX option, as the rewards outside of XXXX XXXX along with the instore benefit of the purchase seemed a good exchange for the hard inquiry on my bureau.
I went through the origination process, and was granted the in store private label card, not visa general purpose visa, a credit limit of {$1000.00}, and the higher rate in the risk based pricing schema ( two price points, XXXX and XXXX ). I was not given the visa, nor was I presented with the reason codes for not getting the visa or the highest rate ( risk based pricing notification ).
My credit profile as of the time of application was clearly Super Prime : FICO XXXX XXXX XXXX XXXX XXXX Income ( self reported XXXX per year ) DTI ( including housing ) = 11 % ( my mortgage is my only debt and it is approximately 1360/mo ) I attempted to contact Comenity several times to get clarity on the matter and was not successful getting to the correct party and was regularly disconnected. I will write a letter to their dispute and complaint office now, reference this complaint and email them as well. This is ludicrous and if my profile is not worthy of the lowest rate highest limit product they offer, they are advertising a product that fewer than 1 % of American 's will qualify for. A true bait and switch concern.
Please see attached for credit history images for both XXXX ( from XXXX XXXX and FICO XXXX from XXXX XXXX to substantiate my concerns.
07/21/2018
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt was result of identity theft
MI
48106
Web
Servicemember
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX XXXX XXXX XXXX XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT.
XXXX XXXX XXXX {$2800.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX BANK Open XX/XX/XXXX -- Individual {$2800.00} {$2800.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
01/23/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
AL
35244
Web
The billing and FCRA practices of XXXX XXXX ( XXXX ) need to be investigated as they are deceptive and deeply flawed. I rarely use my XXXX card issued by XXXX XXXX but I did use it late last year because of a special sale discount that required that I use it. However, I never received a bill and it slipped my mind. Nor did I receive an email, text or call. I finally got a phone call from XXXX stating that I was late on my bill. I explained that I had never received a statement. They told me that they would put a statement in the mail to me. I received this statement on XX/XX/XXXX. When I noticed a late fee, I called XXXX and explained what had happened. They told me I had signed up for electronic statements in XXXX but I discontinued e-bills years ago. Finally, they offered to waive two late charges totaling {$64.00}. But as a condition they required me to pay my balance immediately using either a debit card over the phone or by giving them my checking account information. This is not a safe thing for a consumer to do. I told them I would gladly pay by credit card, XXXX or XXXX which they refused. After giving up on the payment, I told them I would just pay the full balance but to make sure my credit report was not impacted by this. I was told derogatory credit would be reported unless I disputed with the credit reporting agencies. I told them I wanted to dispute directly with XXXX. At first they told me they could not accept direct disputes but after I told them they were required to accept a direct dispute by the FCRA, they finally gave me XXXX 's credit bureau dispute mailing address. What a horrible experience from a bank that operates on the edge of legal compliance and customer fairness. XXXX should fire this company! We would all be better off without XXXX XXXX.
08/29/2018
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
FL
33713
Web
Older American
I called XXXX XXXX XXXX XXXX around XX/XX/2017. to purchase a set of earrings. The total was around. {$40.00} The operator stated Apply for a XXXX card we will take {$10.00} off of the purchase.
No application ever arrived, I made my payments on flex-pay. Months later I started getting e mails from " XXXX '' stating I owed {$12.00}. ( do not respond to these emails is indicated ) Some time after my third contact explaining that I have no XXXX Charge card, and never did business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX -- Billing issues XXXX.
I applied for a loan at my credit union, I was turned down because this has now made it to my credit bureau. I also lost a job and many other damages resulted.
They increased the fake indebtedness to {$220.00} ( from {$12.00} ) XXXX representatie said ( he'd pay them whatever they want.. ) That alone must be usery. I was never offered an application, let alone terms and conditions, before or after the fake loan was published. I agreed to nothing written or otherwise.
The next attempt to reason with them resulted in the representative from XXXX tried to make sense with his bank, stating I will pay the {$12.00} .... Too little and too late. She now demands {$26.00}. At that time this was removed from my credit bureau, XXXX paid their bill. They still insist an account exists!!!. MY damages still need to be compensated. Life is short. Time is all we have in this world and to steal my freedom and push me into a ward of the government. Dependent on the state is more than wreckless.
I am certain they do this to tens of thousands of people. If you took a vote, and asked everyhone who has gotten an XXXX CARD what happened, you'd be in for one of the biggest scams ongoing in America.
XXXX XXXX XXXX XXXX XXXX XXXX.
07/16/2019
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
CO
81240
Web
Hi, Here 's a little information about the account. My card was taken by my now ex husband which he used on his girlfriend. I set up monthly payment arrangement with them after he left and while I was going through my divorce. They told me I could no longer make the lower monthly payments anymore and I could not afford to pay the full monthly amount payments. The account was closed and charged off as a bad debt, then sold to a collection agency. I was served by this company to collect a debt. I tried on XX/XX/XXXX to contact this company ( XXXX XXXX XXXX ) in order to try and solve the debt they are collecting. I was answered with a message that this is a debt collection company. They would not accept my offer and I was told that my offer would be relayed to them and someone would call me back. I called back again on the XXXX of XXXX and I was told the message was relayed. No one has ever returned my calls. I appeared in court like I was told to and no one was there, I was taken to the clerks office, where I told I had to file a cross claim that day or they would have a judgement against me. I told them I was on public assistance in my claim and could not afford to pay them what they were asking. Because I can not afford an attorney, apparently I did not give them sufficient evidence for my claim. No one will call me back. How am I supposed to work anything out with them if no one ever calls me back. They have just added another derogatory remark to my credit score. This is not right that they make no attempt to work with me, when I am trying to get this matter resolved. They just want to garnish my wages, make me pay attorneys fees and are unwilling to work with me at all! It is not right they treat people like this when you are actually trying to resolve the matter.
02/05/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NY
14845
Web
I set up automatic payments for my XXXX XXXX Credit Card last year using my credit union account to make the payments. There were NO PROBLEMS until XX/XX/XXXX. I received a message from Comenity Bank indicating that there was a problem with my bank account. To be clear, my credit union account HAS NOT CHANGED nor did I change the payment method for my XXXX XXXX Credit Card. I made the mistake of thinking the issue would be easily resolved by talking to " customer care. '' I spent 15 minutes verifying my information repeatedly, including having to spell my last name 7 times for the " customer care representative. '' That was a lesson in futility, so I began contacting them through their secure messaging center. ( Please see attached correspondence. ) After getting NOWHERE, I went into my XXXXXXXX XXXX Credit Card account, removed the credit union account information and put it back in. The only difference? I added the number 4 at the end of my credit union account as it appears on my checks. I informed Comenity Bank that this may have fixed the problem ( which I did not create, by the way ) only to have been met by another lesson in futility by Comenity Bank 's " Award Winning Customer Care Team. '' So, I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. Comenity Bank sent the XXXX a canned response indicating that they would be launching an investigation and would send a letter to me within 30 days of receiving the complaint. The XXXX closed the complaint on XX/XX/XXXX and I have yet to receive a letter from Comenity Bank. Unfortunately, I do hear from them in the way of harassing phone calls, text messages and Emails, including that they've frozen my XXXX XXXX Credit Card because I haven't paid my credit card bill, their interest charges and their late fees.
01/26/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
TX
75126
Web
In XXXX of XXXX I reached out to XXXX for warranty support on my hot tub. After troubleshooting, they determined it would need to be repaired, but they could not send a person to fix it because of the pandemic. They said they would send a replacement, an proceeded with the order and transferring my extended warranty. After the original delivery date passed, I checked online and noticed it was postponed. This happened every three months and I called in XXXX to find out what their plan was if it wasnt going to be replaced. They said I would be notified it there was any change to the next shipment date. When it passed, I logged in to contact them again to see what their plan was and noticed the shipment was cancelled. This was XX/XX/XXXX. I immediately called them and they stated that a refund was issued to Comenity bank on the card I used, and that another refund was in process. {$3400.00} on XX/XX/XXXX, the stated, was refunded to my card. {$140.00} was processing to be refunded. They transferred me to Comenity bank to find out the status. They said they did not receive a refund, but it would be processed by XX/XX/XXXX because it takes 30 days. The representative assured me this would happen. On XX/XX/XXXX, XXXX reached out and said they were working on resolving this. I repeatedly asked for a transaction number or something that proved a refund was given, and they would not provide it. I kept getting told that was the finance department, but was not able to talk to them or email them. It is now XX/XX/XXXX and the refund is still not showing, I have not received the overage, because my account is {$2000.00}. This would mean I should receive {$1500.00} after the card is paid off. They refuse to assist or contact each other to find this refund and provide my money back.
04/12/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Public record information inaccurate
CA
90249
Web
XXXX XXXX has reported incorrect, fraudulent information on my credit report, TWICE. In XX/XX/XXXX, I paid my XXXX XXXX credit card balance in FULL. I then, called and requested that the account be closed. They did as I requested. In XX/XX/XXXX, I filed Chapter XXXX Bankruptcy. XXXX XXXX WAS NOT included in my Chapter XXXX BK. I have my original court documents to validate this fact. Months after my BK was discharged, I reviewed my credit report and discovered that XXXX XXXX reported that they were included in my Chapter XXXX BK, which is FALSE. At the advise of an attorney, XX/XX/XXXX, I mailed XXXX XXXX a letter, disputing the incorrect, damaging information that they added to on my credit report. XXXX XXXX sent me a letter indicating that they would remove the incorrect reporting from my credit file, it was removed. XX/XX/XXXX, I was sent an alert from one of the major credit bureaus informing me that XXXX XXXX reported my account as active and could add information to my credit report that could be POTENTIALLY NEGATIVE. I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX within their accounts dept. XXXX began explaining to me ; that they KNOW my XXXX XXXX account WAS NOT INCLUDED in my Chapter XXXX BK, BUT because they are a small bank, they could report the Chapter XXXX BK to the credit bureaus. I told them that they are committing FRAUD and adding conflicting reporting to my credit report that is DAMAGING and hinders my ability to receive new credit when I apply. I told them, if they do not REMOVE the damaging CONFLICTING FRAUDULENT information from my credit report, I will request that they be held in contempt by the XXXX XXXX Bankruptcy Court AND I will file a complaint against them for committing fraud and possibly trying to defraud their insurance company.
09/13/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CT
06320
Web
I attempted to dispute a purchase for an item which arrived late and damaged, the amount of {$850.00} on XX/XX/XXXX. There appears to be no option to file a dispute on Comenity Bank site, a secure message was sent with details of transaction including late arrival and damage, no reply as of yet. A prior complaint was filed about this issue, Comenity rep referred me back to the merchant, XXXX XXXX, for resolution. Please note, I've been messaging the merchant for several days, weeks now, with no resolution. I requested a replacement part and credit for late arrival, I was only offered a small credit of {$50.00} with an extended warranty or a credit of {$75.00}, both with no replacement part.. I requested sale price of item as it was later on XXXX XXXX sale, as well as {$100.00} credit with replacement part, in which case both requests were denied. Their rep, XXXX, has been messaging me for several days, the last messages agreed to a replacement part but no credit, would not install part.. My last reply requested a return and refund in full, she requested a picture of a white tag on unit which there isn't one present. The item was supposed to arrive on XX/XX/XXXX between XXXX and XXXX XXXX, I was not living at the address at the time and had to make a trip over at XXXX XXXX, waited until XXXX XXXX with a no call/no show driver. I called next day on XX/XX/XXXX, had to call and text driver several times before reaching him and getting an estimated delivery time of XXXX XXXX, had to make a second trip over that night ... When I moved in on XX/XX/XXXX, the unit was found to have several scratches on glass burner, reported to XXXX XXXX rep and promised a replacement part ... .I 've been messaging their rep ( s ) ever since with no resolution and request to dispute item.
11/21/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
PA
15136
Web
I have attempted to write and call XXXX XXXX however, I can not get my credit report issue resolved. They responded in a letter that they were unable to provide a goodwill adjustment to my account. I was not asking for this, as I know I made a payment to my credit card every month.
I have been having medical issues. I was trying my best to keep up with my bills to avoid having 30 days late and to keep my credit score in good standing. I was in constant contact with XXXX online or by phone. My issues begun in XX/XX/XXXX this year.
Looking back through my account history, it appears that my late payment situation started with the XXXX XXXX, 2017, payment. I paid my payment on XX/XX/XXXX and I spoke with a representative who graciously refunded my late fee.
I paid my XX/XX/XXXX payment on XX/XX/XXXX.
I knew I was late again in XX/XX/XXXX so I spoke with a representative and was told that I was due {$320.00} ( including the XX/XX/XXXX past due amount ) for XX/XX/XXXX. I paid the full amount of {$320.00} on XX/XX/XXXX for both payments of XX/XX/XXXX and XX/XX/XXXX.
After seeing my credit report score drop significantly, I realized that this account is showing 30 days past due for XX/XX/XXXX. Im not sure how that can be since I paid the full amount due of {$320.00} on XX/XX/XXXX.
If the full amount was not paid on that date, then the account shouldve showed past due in XX/XX/XXXX, which it did not.
My account has been paid on the due date for the past 3 months. XXXX does not want to discuss my situation by phone and I have to keep writing to them to try to resolve my issue. This process is not consumer friendly and I do n't know where to go from here. I am asking for help to review my account and to hopefully have the 30 days late removed from my credit report.
07/18/2017
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
Web
In XX/XX/XXXX , I opened an account with Comenity ( XXXX XXXX ) and recceived a credit card only valid in their stores. I bought a watch with an offer of 24 months without interest, for XXXX $ US. I understood that after the 24 months, interests are going to start on the remaining amount to pay ( In XXXX it works like that, it 's an incentive for a customer to buy products ). I paid aroud 1300 $ US in two years. Then on XX/XX/XXXX , I paid the usual monthly amount ( I live in XXXX , so I must make transferts to a US account and then pay them, so I have an automated procedure to do that every month, and I do n't always check the statement. Furthermore, I was out of the country at this period ), but they charged me the total amount of interests for 2 years at 30 % interest rate ; so now I have to refund XXXX $ US, with a 30 % interest rate!
I called them, spoke with 3 representatives ( the last one a manager ), and they told me that it is a revolving interest, so because I did n't paid the total amount befo re XX/XX/XXXX , th ey charged me the revolving interest.
I explained them that I was not aware of that rule, and if I knew I would have paid the entire remaining amount ( around 3700 $ ) in time and the case closed. I asked them to cancel the interests charged and I will pay the remaining amount immediately. The manager did n't want to understand my point and the situation. He only offered me to lower the interest amount by XXXX $ ( which he never did after all ), which seems an odd amount ...
I also asked him to fill a complaint for me, and I also filled a complaint myself on their web site. The answer from their secure messaging area is the same : I was late to pay the remaining amount, so they charged me all the two year past interest.
10/03/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
TX
77288
Web
This complaint is filed to express my disappointment in the way Comenity Capital Bank handled a good will attempt from me as the customer to resolve a missed / late payment that occurred in XX/XX/2019. I had the unfortunate experience of having my wallet stolen in XX/XX/2019 there within my identification, bank cards, credit cards and my bank account numbers were stored. As a result, I had to freeze my bank accounts and cancel the credit cards in preventative steps to avoid further incident. My monthly reoccurring Zales XXXX account payment was tied to my bank account and was automatically withdrawn on due date every month. During this distressful period of trying to monitor my accounts against fraudulent activity after the theft, closing credit cards and having them reissued I also had to switch the bank account I had on file setup for automatic withdrawal with respect to the Zales credit account. Therefore, a couple of payments to creditors were late that which included Comentity Capital Bank. Once the oversight was detected I immediately corrected the deficiency and made the payments that were unintentionally missed to the creditor. Regardless, Comenity Capital Bank has reported a 30-day late payment to the bureaus that I discovered later and my credit scores have been significantly impacted as a result. My credit history with Comenity Capital Bank was in excellent standing prior to this incident. I explained details of my situation in good will and faith to Comenity Capital Bank and to my astonishment no help was extended by Comenity Capital Bank even as a one-time courtesy, given the extenuating circumstances, to reverse the adverse reporting made to the bureaus. I was extremely disappointed at their refusal to reconsider my request given the circumstances.
03/04/2017
Yes
Credit card
Balance transfer
CA
90650
Web
On XXXX last year, I had requested for balance transfer {$1700.00} from XXXX CARDS ( Card Services ) to COMENITY -Total Rewards Visa Card as you will see at the attachment FCC XXXX ( XXXX ). But it does not go through until now. I did contact Customer Services at XXXX CARDS ( Card Services ), and they told me that they never receive any check with the amount {$1700.00} from COMENITY-Total Rewards Visa Card as attachments FCC 001 ( XXXX TO XXXX ) from XX/XX/XXXX to XX/XX/XXXX. I did contact Customer Services at COMENITY-Total Rewards Visa Card at XXXX, and talked to a lot of persons, such as : XXXX, she is Supervisor of Resolution Dept., and her ID # XXXX on XX/XX/XXXX at XXXX PM ( PST ). Next, XXXX, her ID # XXXX at Customer Care Dept. on XX/XX/XXXX at XXXX ( XXXX ). Last, XXXX, her ID # XXXX, she is the Account Manager on XX/XX/XXXX at XXXX ( XXXX ) .Both of them understood the problem, and they told me that they will ask Customer Care Team to dispute or stop the amount {$1700.00}, and credit back to my account plus {$17.00} for transaction fee, total amount should be credited back to my account is {$1700.00}. But this person, XXXX, who is XXXX Representative at Customer Care Team did not understand, or did not want to credit back to my account, he sent me a lot of letter, and tried to confuse me by linking to other amount as you will see at the attachment FCC 001 ( 5 ). I did not ask them to dispute or stop {$1700.00} to XXXX as attachment FCC 001 ( 6 ). The corrected remaining balance should be {$1500.00} after crediting {$1700.00} plus {$99.00} ( XXXX payments from XX/XX/XXXX to XX/XX/XXXX ). It is not {$3400.00} as attachment FCC 001 ( 7 ). I am very frustrated about this COMENITY-Total Rewards Visa Card. Please help to me solve this matter.
Regards, XXXX
02/12/2019
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
IL
60156
Web
It is from XXXX XXXX. About a XXXX XXXX XXXX and XXXX account. Several months ago and again today, my daughter forwarded me a voicemail she received from them about my account. She also said that my ex-husband 's ex-wife had asked received a call from them about my XXXX XXXX XXXX account!
The same day I also received a similar voicemail. It is very menacing Man by the name of XXXX XXXX, and said he were sending someone over to my home or my place of employment between XXXX and XXXX XXXX and I " better be there with a government ID ready to sign papers. '' The message also had a phone number and account reference for me to call so I did and they told me to verify last word is my Social Security number, which I at first didn't want to but finally did. This is how I learned then they represent as a third-party collection for XXXX XXXX.
I contacted XXXX XXXX last year and asked for a payment arrangement, since I had become XXXX, and my income is severely limited, and Landlord had told me he was selling my unit and I had to move in the next 60 days, and I had no prospects or idea where I was going to be living. But I told them I want to pay my bills, and I wanted to make an arrangement to pay soon. Instead, XXXX XXXX actually advised me not to pay it, but to instead look for housing, and they also told me that my income is protected since it is Social Security XXXX. I asked them not to call myself or anyone related to ever again. They went through their databases, ostensibly, and said they must have looked at whatever XXXX XXXX XXXX accounts had my same last name and called everyone with the same message. They said they would no longer do those practices with me.
I have all the menacing and threatening voicemails which I and my daughter received stored and saved.
08/25/2017
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Overdraft, savings, or rewards features
NY
10027
Web
I filed a dispute with the merchant, XXXX XXXX due to the XXXX Flash Cards I purchased on XX/XX/XXXX. I was not satisfied with the item, so I visited Paypal 's website and talked about my issue, with the merchant not refunding my money. The dispute was filed on XX/XX/XXXX against the merchant, XXXX XXXX. and stated to Paypal Company that the XXXX Flashcards came in a white card board box that is the same size as the box. I did not open the box, nor did I like the way the box was, so I wrote refuse on the cardboard box. I left the box on the table in my residence building for USPS to pick up the package to return to the merchant. USPS accepts packages, if the customer writes the word, Refuse and Return To Sender on the package, without any other receipts given, as long as the package/box seal was not torn. I have a dozen neighbors in my building where I reside, as well as the Postal Carrier, XXXX XXXX, who has been delivering mail to my building for over 20 years and The USPS driver, XXXX, can all verify that the box was returned to the merchant with the address on the box. Also, the super of the building, XXXX XXXX can verify that the box was picked up from the building and returned to the merchant. Paypal had given a time frame to respond to the open case on their website and when I logged into the open case from my account, the system did not recognize me and I was not able to respond. Therefore, Paypal took the merchant 's side to not believe that I did not return the box and wanted my refund. I should have received my refund already from the merchant and Paypal refused to honor me temporary credit to my account when the investigation is gong on. It does not take eight for the merchant to refund a buyer, when I do not have the box in my possession anymore.
04/10/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
FL
32305
Web
On XX/XX/XXXX I was contacted by XXXX XXXX about an Credit Card reduction program which assist me with getting my current credit cards into a 0 % reduction program. I was advised by XXXX XXXX that the program will cost me {$790.00}. I was told before the company could charge my card I would receive a call from XXXX for me to authorize the payment with XXXX XXXX before they could process the payment ; however I missed the call as I was in a meeting. On XX/XX/XXXX I seen the charge of {$790.00} pending on my credit card from XXXX XXXX XXXX XXXX, FL. I called my credit card company and spoke to a representative and explain that I didn't authorized the charges as I was informed by XXXX XXXX that I would have to do before the payment could be processed. On XX/XX/XXXX the representative told me I couldn't stop the pending charge and I would have wait to file a dispute or call and ask for a refund from the merchant. On XX/XX/XXXX I called and spoke to XXXX XXXX and she advise she put in a request for a refund I never seen it, I called multiple times and spoke to Manger XXXX XXXX he put in a request for refund and instead of a refund on XX/XX/XXXX another charge posted for another {$790.00} to my credit card from XXXX XXXX XXXX XXXX XXXX FL, which I called XXXX XXXX again when I saw another charge pending on my account and told the representative that I didn't authorized this company to charge my card again, why would I let them charge my card again when I am disputing the first charge. The representative would not stop the pending charge again and the second charge posted to my credit card account. I have been disputing this charge with XXXX XXXX and the only phone number I had for XXXX XXXX XXXX XXXX seem to not be vaild as the number is disconnected.
01/05/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
IA
52003
Web
XXXX- credit card payment agreement ended without our knowledge at comenity ideal.
I had {$1900.00} left on my agreement and then was charge and extra of {$1800.00} making the totally be {$3700.00}.
-never received a letter, a phone call, or anything in regards to this happening soon. Statements would not load or appear on mobile safari search as well.
XX/XX/2020 ( XXXX XXXX ) - I noticed the issue and was unable to contact anyone due to the holiday. I tried making the payment of {$1900.00} to assure the 3 day grace period, which I was told was allowed prior to this. The process was successful according to their website, but I never receive a confirmation email.
XX/XX/2020 ( Monday after the holiday weekend ) I tried again to make the payment and the same thing happened. The website said it was successful, but no confirmation. I called the company and got no where in 3 hour phone called and talking to 7 different people. To start, my name on the credit card account was incorrectly put in wrong on their end making it impossible to verify my account to them. Also, the phone number was totally incorrect on their end as well. One person said they could give me a {$50.00} credit, but that was it. They transferred me to someone else and they said their was nothing I can do and that I would have to pay the whole thing. I admit I should have been on top of my account, but also dont think I should have all that extra interest rate if we tried to contact them within the three day grace period that they offer. I was never late on a payment and I think its ridiculous that they wont credit some of the charge if not all of it.
On XX/XX/2020, I posted a payment again and this time I receive a confirmation email but the payment never came out of my account.
07/21/2021
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
TX
78102
Web
I had gotten behind on my XXXX XXXX Credit card through Commenity bank. I was contacted by them in XXXX and had set up a payment plan of {$20.00} per month until I could get caught up. I later found out that they had changed the payment plan to {$47.00} per month without my permission and then terminated the payment plan and proceeded to charge me outrageous over balance and late fees. When I accessed my account online I learned that not only had they done this but that someone had changed my contact/security number to that of my ex-wife who they would have no way of knowing or reason for contacting since this account was established several months after our final decree of divorce was issued. I changed the number back to mine. Funny thing is that they were able to contact me by phone prior to this time which was the same number I provided as my security number. When I attempted to report the mishandling of the account I was bounced back and forth between departments each time sent back to the payment collections department without any regard for the mishandling of my account or the consequences thereof. When I attempted to speak with someone in the fraud department she told me that no such payment plan of {$20.00} per month was done by them and when she promptly forwarded me to the payment collections department they subsequently offered to start a new payment plan of {$20.00} up to which point I had not mentioned to the woman I was speaking to. They were misrepresenting the facts and to add further insult the woman was gossiping to an associate about my irritated state when she thought that I could not here her and they were laughing. Please help me to remedy this situation. Thank you for your time and consideration in this matter, XXXX XXXX XXXX
02/22/2019
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
MN
55444
Web
The problem with my account is that the bank has lowered my credit limit three times in the last seven months.
When I opened my XXXX XXXX credit card through XXXX XXXX, I was agiven a {$250.00} credit limit which quickly increased to {$800.00}. XX/XX/XXXX the bank lowered my credit limit to {$750.00}. Again in XX/XX/XXXX the bank lowered my credit limit to {$700.00}. I have consistently paid on my account at least the minimum due so my account has always been in good standing. In XX/XX/XXXX I purposely made a large payment to bering my balance down below the 50 % mark of my credit limit in an effort to increase my credit score. Once again, shortly there after the bank lowered my credit limit to {$400.00}.
The reasoning the bank is giving me is becasue there has been a significant decrease in my credit score. Well, ...
Frist of all I bought a new vehicle at the end of XX/XX/XXXX and because of the financing and sending the app to banks, yes my credit score dropped. However, everytime this bank runs my credit they ding my credit score as well. Not to mention by continually lowering my credit limit you have now increased my credit/debt utilization which is lowering my credit score. So guess what, my credit score keeps going down or staying the same because of the negative impact this bank has had on it. My performance with this bank has been good. I have always paid on my credit card. I just don't understand how a bank/credit card can continually negatively impact your credit score in the way this bank has done so. I have looked and verified on my credit report that this has negatively impacted my credit rating. it's stating right on the report because of decrease in credit limit and increase in credit utilization you have been negatively impacted!
12/27/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
IL
60646
Web
In XX/XX/2018, my XXXX XXXX credit card was charged approximately {$12.00}. On XX/XX/XXXX, I noticed the charged because I received a statement that I was not expecting and I contacted XXXX XXXX to report and dispute the charge. I also contacted XXXX XXXX who could not identify what the charge was for. Because I did not make any purchases with my XXXX XXXX card in XXXX, I assumed this to be an unauthorized charge that would be refunded.
When I received the next statement, I noticed that the issue had not been resolved, XXXX XXXX was charging late fees and reporting delinquency to the credit agencies. I called XXXX to check the status of the dispute and resolve the issue. This resulted in several phone calls back and forth between XXXX XXXX and XXXX XXXX.
In summary, XXXX XXXX demanded that I pay the disputed amount in order to stop the negative reporting to the credit agencies. They assured me that the money would be refunded if the situation was resolved.
XXXX XXXX eventually identified the charge as a back-ordered item from a purchase made in XXXX, which was paid in full after I received the statement of the purchase. In addition, I never received the item that was on back-order. On XX/XX/2018, the XXXX XXXX representative told me that they would refund the charge and to expect the credit within 3 business days.
When I called XXXX XXXX a week later, the XXXX agent told me that it would take 30 days for the credit to appear.
XXXX XXXX has not issued the refund/credit and XXXX XXXX continues to harass me for payment, threatening me with further action, claiming that I have not responded to them and reporting delinquency to the credit agencies. I am at a loss for how to resolve this situation.
Thank you for your assistance, XXXX XXXX
07/13/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
MD
21009
Web
Older American
From : You Sent : Friday, XX/XX/XXXX, XXXX AM ( XXXX ) To : Comenity Bank Subject : Payments Message ID : XXXX i made a payment via XXXX XXXX XXXX XXXX XX/XX/XXXX electronically, in the amount of {$400.00}, which Bank says cleared XX/XX/XXXX, but not reflected when I log in XX/XX/XXXX, and review transactions/statements.
From : You Sent : Friday, XX/XX/XXXX, XXXX PM XXXX XXXX XXXX To : Comenity Bank Subject : Re : Payments Message ID : XXXX I spoke with Comenitys `customer service XX/XX/XXXX in XXXX who after reviewing the payment I made to our closed account XXXX,, who was nice enough to write a letter internally to have the {$400.00} reapplied to my current account umber XXXX, who said it could take a week. I also issued a payment in the amount of {$29.00} through XXXX XXXX XXXX XXXX dated XX/XX/XXXX, which since via mail scheduled or antipathy to be delivered XX/XX/XXXX. Shame the address for mailing payment to Comenity, - My BJS Perks XXXXXXXX XXXX XXXX XXXX, XXXX, Texas XXXX, only accepts mail from XXXX XXXX XXXX XXXX instead of a electronic payment system.
HAD COMENITY BANK, when they received the {$400.00} on XX/XX/XXXX to our closed account, rejected payment because account was closed or immediately sent notification to the old account number telephone number and email on record, payment of the {$400.00} could have been reapplied to the new account number. The gentleman I spoke with who supposedly wrote the internal letter to have money transferred to the new account, I hope was telling the truth. I received a email last night saying funds have not been received.
I see the very, very, very poor rating of Comenity on the XXXX, and now regret getting the new account under my names versus the closed account under my deceased wifes name.
08/06/2019
Yes
Debt collection
Credit card debt
Communication tactics
Used obscene, profane, or other abusive language
KY
40213
Web
They are harassing me and talking to me really out of order. You can't try to work with someone with their payments and talk to them crazy. Not good customer service. When I mentioned this to the guy he stated that he wasn't customer service. So, what category does your job description fall under? because when you define customer service they Cashiers, salespeople, management and billing departments are examples of customer service jobs in a retail setting. The hospitality industry is similarly reliant on customer service employees to maintain their reputation. This obviously a billing department because they are calling about a payment towards a bill. I tired to tell them that I was on XXXX leave and this is why I wasn't able to make the last 4 payments. I had advice them all my credit cards were being consolidated by an company and they would be reaching out to them and would be making the payment as soon as I was back on my feet from being on XXXX leave. I am single mother trying to handle everything properly. They have threaten me with police and attorneys. They called me today talking about they have been calling me 19 times ; today was the first time since XX/XX/2019 so, if they have been reaching out they had the incorrect number. You cant be willing to working with someone and threating them with a third party etc. And wouldn't even explain to me who the third party was after I asked. This situation should be handled in a different manner from Comenity bank none of my other credit card companies talk to me like the way they do. They are very disrespectful!!!!! A lot things go through my head are they talking to me like due to my race!? are they talking to everyone like this!? It's just out of order to me when I never get nasty with them.
11/20/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
NC
28277
Web
Company : XXXX XXXX -I have two accounts with this company.
-I have received correspondence from them in the mail - to my mailing address. -I have never received a personal phone call from this company.
My complaint is the following : They have called my XXXX-year-old Father, ( who lives 5 hours from me, ) multiple times on his home phone. I have no idea how they accessed his phone number. I asked the Representative how they accessed his number and she wouldnt tell me. I asked if she would please stop calling him. He wasnt even aware that I had these accounts, but thanks to the repeated, multiple calls, of course he knows now and extra stress was put upon him that absolutely shouldnt have occurred. I have taken care of my accounts with a different Representative. Even though I asked the other Rep to please stop calling him, he still receives phone calls.
Here are the phone numbers, dates, and times of when this particular Comenity Bank Rep has called my Father this is from the beginning of XXXX. I dont have the current dates and times, yet.
Dates, times, phone numbers : XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX As I stated, there are more dates and times to document, as he still receives calls from this company even though I have taken care of my accounts and standings. Any help anyone can provide is appreciated so much I really need this company to stop calling my Father.
Thank you.
05/19/2020
Yes
Student loan
Private student loan
Dealing with your lender or servicer
Trouble with how payments are being handled
NE
68123
Web
Servicemember
In XX/XX/XXXX, I ran a credit report on myself and saw there was a missed payment on an account I never opened XXXX my wife opened an account with Comenity Capital Bank " Your Tuition Solution '' in XX/XX/XXXX. Up to XX/XX/XXXX, I had never received any statement in the mail or online ( again, I didn't even know the account existed ). I called Comenity Capital Bank and while they could verify me by my social security number, they refused to give me an account number.
Since XX/XX/XXXX, I have written Comenity Capital Bank on seven separate occasions, per their request, to dispute the error ; to date, they have never responded and have not removed the " late payment ''.
On XXXX XX/XX/XXXX, I spoke with " XXXX '' at Comenity Capital Bank and she stated there was no way they could provide me an account number. When I informed them I was revoking their automatic debit of my account, XXXX stated that Comenity Capital Bank was not automatically debiting my XXXX Checking Account. I explained to XXXX that I had confirmed with XXXX that there was no " automatic bill payment '' coming from my account. She then changed her story and said it was a handwritten check. I told her that I was looking at an electronic, auto-drafted check ( # XXXX ) from Comenity that was being credited to my Comenity Account ending in XXXX. She then went silent for 2-3 minutes before coming back on the line and restated that there was nothing they could do and there was no way to provide me an account number. Additionally, I informed her that I had not received any paper statements since XXXX XXXX.
I had no knowledge of this account being set up or how it was being drafted from my bank account. It was only when I conducted a credit check that I found out about the account.
05/18/2019
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MD
21701
Web
Older American
On XX/XX/XXXX, I entered into a purchase agreement with XXXX XXXX ( now known as XXXX XXXX XXXX XXXX XXXX ) in XXXX, Maryland for the purchase of XXXX XXXX in the amount of {$7400.00}. The purchase was financed through a medical credit card account with Comenity-XXXX. Under their deferred interest plan, no interest was payable as long as the payments were made timely.
Pursuant to the XXXX credit account, I received monthly statements over a period of 23 months. The statements were paid within a few days of receipt. At no time did Comenity indicate that any payment was not made timely.
On or about XX/XX/XXXX, I received a statement for {$300.00} for 24th and final payment. On XX/XX/XXXX, I called Customer Service to confirm that payment of this 24th statement was indeed the last payment owed.
On XX/XX/XXXX, I wrote a check made payable to " Comenity-XXXX '' in payment of the 24th and final payment. I placed that check into a U.S. Postal Service mailbox on either XX/XX/XXXX or XX/XX/XXXX. Please see a copy of the attached notarized Certificate of Mailing.
Nothwithstanding my prompt payment, I received another statement in XXXX from Comenity indicating a new balance of {$2500.00}, which included an interest charge of {$2200.00}. When I called Customer Service to inquire, Comenity suspiciously claimed that my payment, which was mailed no later than XX/XX/XXXX, had not been " posted '' until XX/XX/XXXX. Therefore, they were adding a deferred interest charge of {$2200.00} plus a {$27.00} late fee. Although requested by me, Comenity offered no proof that the check was not received until XX/XX/XXXX. In other words, for a {$300.00} final payment, which was mailed timely, Comenity had added a {$27.00} late fee and a {$2200.00} interest charge!
03/31/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
MD
20785
Web
Servicemember
On XX/XX/XXXX we called Comenity Bank ( XXXX ) to pay our card in full and close the account. We asked for the full amount due and paid the full balance of {$2400.00} and asked that our account was closed which it was. The next month on XX/XX/XXXX we received a statement showing a balance of {$39.00} for a late fee charged XX/XX/XXXX, the day before we payed off the card. We called customer service they apologized for the error and we were told it was taken care of and went about the craziness of pandemic life the next months not knowing they did not resolve the {$39.00}. So it began accruing interest.
Upon pulling a credit report so that we could begin buying a home we realized there had been late payments for those months in between reported to the credit bureaus. We called multiple times and customer service could not help us with this although the did apologize again, after it was totally erroneous and on XX/XX/XXXX customer service refunded the late fees, the interest, and the balance resulting in a {$0.00} balance.
It took us a very long time to figure out how or who to contact with XXXX about the erroneous late fee on credit report. We finally found out they had a special department so XX/XX/XXXX we sent a letter with all the materials and documents including statements, account showing credits, etc and have yet to hear from them.
We can not get approved for a home because of how recent the late charges are on our credit report. We are devastated that this error resulting from the {$39.00} charge that was not removed ( or we would have just paid it had they told us to when we called after we paid off the full amount of {$2400.00} in XXXX of XXXX but they told us not to bc it was their error! ) has left us unable to get approved.
01/24/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
PA
19320
Web
Servicemember
XXXX XXXX may not understand the requirements under Unfair, Deceptive, or abusive Acts or Practices ( UDAAP ). According to UDAAP, the representation, omission, or practice is likely to mislead consumers is a requirement that should be reviewed when marketing credit offers to customers.
They currently are marketing an offer to consumers that is very DECEPTIVE. They replied to complaint XXXX and said they will update the marketing material but are not honoring the current offer. They may want to consult with their legal team. The proximity, placement, positioning and prominence of the attached offer provides 15 % off when you use the XXXX XXXX Credit Card and below the offer clearly states plus get either 6,12,18 months of financing Or choose revolving credit & 20 % Off your entire first purchase.
Isnt it illegal to offer consumers ( violation of UDAAP ) offers that the bank will not honor? How is sending me a {$100.00} gift card correct this problem? How does XXXX XXXX correct internal issues as required by regulators? According to the OCC, banks are required to have a corrections/remediations process where they can correct issues such as misrepresentation of information that could lead to customer harm. XXXX XXXX doesnt seem to have an effective corrections/remediatoins program in place. They are refusing to honor a marketing offer and have admitted to the issue by being willing to update their marketing material.
I am once again requesting XXXX XXXX to honor their offer of 15 % off when I use the card Plus get 20 % off for my first purchase. A civil suit will follow if this isnt resolved and I will begin to socialize this faulty marketing offer via the various social media channels to ensure other consumers are not negatively impacted.
07/25/2017
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
NJ
07036
Web
Servicemember
On XX/XX/XXXX and XX/XX/XXXX, I was offered an opportunity to be enrolled in 60 month pay off program. Due to hardship on XX/XX/XXXX I contacted the Customer Solution Team/Advocate at XXXX XXXX XXXX. After speaking to an associate, it was determined that I only qualified for the 12 months hardship program. I would be paying {$80.00}, the account would be suspended for the 12 months, I would n't accrue interest for the 12 months, I would not be charged interest for the 12 months, and it would n't affect my credit. On XX/XX/XXXX, after checking my credit, it turns out that I had loss 110 credit point because someone at XXXX XXXX XXXX decided to report my account as late pass due 30-59 days even though I was in the hardship program. I was promised by 2 supervisors that my credit would not be affect in any way. I called XXXX XXXX XXXX to have an associate to help resolve me issue but all they wanted was for me to pay the pass due regardless of my being in the hardship program. I requested to speak with a supervisor, but they just continued to pass me off to an associate. The sixth associate XXXX XXXX XXXX ( ID # XXXX ) claim to be an acting supervisor for the day told me that I was no long on the Hardship program because XXXX . XXXX XXXX ( ID # XXXX ) another associate, decided to terminate my hardship account based on his review of my account. He felt that its better for me to continue paying off my account as it was before my enrollment into the hardship program, because I would be paying less interest. But I was never informed or given the opportunity to make that decision. The associate that enrolled me in the hardship program was XXXX XXXX XXXX ( ID # XXXX ). On XX/XX/XXXX and XX/XX/XXXX a payment into the program were made of {$80.00} ea.
10/17/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
CA
93312
Web
I contacted the COMENITY CAPITAL BANK for XXXX customer service number and was disconnected 3 times during transfers. I purchased a XXXX on XX/XX/2020. I was told by the credit card representative at the XXXX dealership that I could pay a down payment using a this credit card. I was approved for {$4000.00} limit. I was told by the credit card representative to set up equal payments using auto payment for 6 months. I did this with 6 payments each at {$660.00}. I set up auto pay for the due date which was the 4th of each month and was established by Comenity bank, not me, each month to pay off the amount in 6 months. My balance reached XXXX on XX/XX/2020. On XX/XX/XXXX, I noticed i was charged {$380.00} as a financing charge. I was shocked. I contacted Comenity and found out for the first time that they set my 6 month no fees promotion to end on XX/XX/XXXX- 16 days prior to the Comenity established payment due date.
I have been severely effected by Covid19 and have lost my income. My auto payment due date was 16 days past the promotional date ending. I didnt get my mail during the time I was sick, and wasnt aware that the promotion ended XX/XX/XXXX. This date was not made clear or given to me on the date I financed. I only learned this after being charged this enormous finance on a XXXX balance. Now with a XXXX balance, I am being charged interest on a paid off {$4000.00}. It feels like this is usery and racketeering. Its wrong that my due date did not coincide with the end of the promotion. This is a trick and its horrible they say they will help during covid but they actually will not. Comenity bank for XXXX has rained devastation on our family during the pandemic. I needed Covid19 relief and was told my comenity that we did not qualify.
09/06/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
CT
06095
Web
Servicemember
Background : In late XXXX and early XXXX, I had fraud committed with my card, calling it card A from now on. It was caught early and but {$400.00} was stolen and reported as soon as we found it on our bank statement. They said they fixed the issues and issued a new card. A week later, we called back since the charges were still on our account. We were told that there was a mistake and that it was resolved.
The next day the new credit card, calling it card B, that we received was declined. When I called the bank, I was told fraud was reported on card B, which it was not. However, they sent me a new card.
A week later, I received two new cards, called Card C and Card D. They had different expiration dates. I called in to verify which card should be used. I was told card D was correct. So I can start using it.
This is all just lousy customer service. However, it is central to the complaint.
Complaint : We received a statement in the mail for card B. We logged into the website to see what we owed. The site said {$5300.00} which might be right. However, after the fraud, we wanted to make sure that the amount is correct. The statement on the website is the {$400.00} charge, which we were assured that we do not owe. However, the bank refuses to provide us with an accurate statement for our actual credit card amount for us to verify the transactions.
How can we be asked to pay the correct amount if they do not give us an accurate statement for XX/XX/2019? We can provide documentation that the fraud took place on Card A. We still do not know why they know think it happened on card B. We have screenshots showing the difference between the statement that they provided and say we do not owe a payment on, and the website which says we owe more.
10/17/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
CA
93312
Web
I contacted the COMENITY CAPITAL BANK for XXXX customer service number and was disconnected 3 times during transfers. I purchased a XXXX on XX/XX/2020. I was told by the credit card representative at the XXXX dealership that I could pay a down payment using a this credit card. I was approved for {$4000.00} limit. I was told by the credit card representative to set up equal payments using auto payment for 6 months. I did this with 6 payments each at {$660.00}. I set up auto pay for the due date which was the 4th of each month and was established by Comenity bank, not me, each month to pay off the amount in 6 months. My balance reached XXXX on XX/XX/2020. On XX/XX/XXXX, I noticed i was charged {$380.00} as a financing charge. I was shocked. I contacted Comenity and found out for the first time that they set my 6 month no fees promotion to end on August 19- 16 days prior to the Comenity established payment due date. I have been severely effected by Covid19 and have lost my income. My auto payment due date was 16 days past the promotional date ending. I didnt get my mail during the time I was sick, and wasnt aware that the promotion ended XX/XX/XXXX. This date was not made clear or given to me on the date I financed. I only learned this after being charged this enormous finance on a XXXX balance. Now with a XXXX balance, I am being charged interest on a paid off {$4000.00}. It feels like this is usery and racketeering. Its wrong that my due date did not coincide with the end of the promotion. This is a trick and its horrible they say they will help during covid but they actually will not. Comenity bank for XXXX has rained devastation on our family during the pandemic. I needed Covid19 relief and was told my comenity that we did not qualify.
07/14/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
LA
71282
Web
I placed an order with XXXX XXXX in XXXX, I never received the items but was charged for the items by Comenity Bank. I sent a letter to Comenity Bank, explaining that I never received any order and I wanted these charges removed. This letter was sent to Comenity Bank on XXXX XXXX. I called and the rep told me that I'm still responsible until XXXX XXXX refund me and then they will work with the late fees and that I had to pay on the bill to keep late fee down. I then paid {$40.00} with that rep because he said they will refund it back to me. I agreed to pay the {$40.00} so that they wouldn't report late on my credit. I also sent in affidavits to XXXX XXXX on XXXX XXXX, after they keep telling that they had sent affidavits forms in the mail and which I never received them either, so another rep from XXXX XXXX walked me through the website to print the forms my self and that is how I got forms to send off. I also called XXXX XXXX to check for the credit for my account on XXXX and learned that they had sent Comenity Bank a credit of {$34.00} and {$22.00} was the wrong amount, it should have been {$33.00}. So that left a shortage of {$11.00}. So I called XXXX XXXX back and they went ahead and refunded the {$11.00} and sent it over to Comenity Bank. So in the process of trying to get refunded for a non received order of {$68.00} has resorted in Comenity Bank charging me on a order that I never received in the amount of {$83.00} in late fees. I tried reasoning with the account supervisor by the name of XXXX in customer service and also spoke with XXXX who stated that she was the senior account specialist and they showed no concern of helping to fix this issue. I was wrongfully charged these fees and want my credit of my {$40.00} dollar payment.
02/19/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MN
55118
Web
On XX/XX/XXXX of XXXX, I went to a clothing store called XXXX in XXXX, Minnesota. As the cashier was scanning my clothes, she asked if I would like to save 15 percent on my purchase for the day. I said sure. My purchase was about {$40.00}, something between 40 and 41. With the discount, the price was between {$35.00} and {$36.00}.
Heres where the issue came up. The cashier rang up my clothes as the {$40.00} price and the discount was not applied. To avoid any future issues, I asked to pay off the full amount immediately after my purchase. What ended up happening was she only paid off {$35.00} of the {$40.00} because she did not notice the discount was not applied.
So about five dollars was left on the card for several months and the balance build up on the 29 percent annual interest. I had no idea of the balance until I finally got a letter in the mail from XXXX XXXX saying that I had owed {$71.00}.
A few days later I went into XXXX to resolve the issue. They told me to call XXXX XXXX which is who the card is issued through. I believe this bank is located in Delaware.
I call and tell them the situation. They tell me that they can not just clear the {$71.00}, some of it has to be paid. So I get them to lower the balance to {$17.00} which seemed a lot better than {$71.00}. The XXXX manager reimbursed me the {$17.00} so everything was cool after that.
Then I looked at my Fico Score on XXXX XXXX which I do every month. It had dropped from XXXX in XX/XX/XXXX all the way down to XXXX in XXXX of XXXX which i when I found out about this.
Since then, I have gotten my score back up to XXXX.
These are the only missed payments I have ever had.
I recently talked with a banker at XXXX XXXX and he said I should 100 percent dispute this problem.
01/24/2019
Yes
Credit card or prepaid card
Store credit card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
NY
10314
Web
My husband, the only earner right now in our household was suddenly laid off without warning in early XXXX We have a few credit cards, most with very low monthly payments which we should be able to satisfy until we are back on our feet, all but one, a XXXX XXXX card which I opened through XXXX XXXX this past summer. I have a promotional rate which put me at a very high monthly obligation of {$150.00}. When I chose this deal, we had no reason to expect lay off and were meeting our obligations. I was planning on paying off half of this debt in the early spring when we get our tax return and that would have brought the monthly payment down to probably half this. I called the bank a few days ago asking about assistance during our severe hardship.I was told that I cant qualify for the 12 month because I am on a promotional program which would have been at a payment of {$60.00} per month at a 10 % but I cant take advantage of that because of the promotional rate I am on.
The only thing they offered me was a program where I had to actually miss my payment and then i could be put in a program that would lower my payment to {$42.00} per month.
My major problem with this is that I have to actually miss a payment to qualify. My credit is good. Not great but good and it took me years to get it where it is now. I have to ruin my credit in order to get this deal? Of course we can show proof of this lay off if needed. Why is that not good enough? Why should a cardholder have to be forced to ruin their credit in order to qualify for a program like this? what should I do, not make my mortgage payment which we actually don't know what we are doing about that ( we are of course seeking assistance from that bank ) to make this {$150.00} per month payment?
09/04/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TN
38053
Web
To : Consumer Financial Protection Bureau XX/XX/XXXX, Re : Comenity Bank ( Lane Bryant ) account On XX/XX/XXXX, I paid my Lane Bryant Comenity account in Full. Two days later, unknown to me Comenity Bank charged my account a {$2.00} service fee. Im not sure why. On XX/XX/XXXX my account had a balance of {$30.00} that included a XXXX late fee. I had not made any purchases using my Lane Bryant card. Today, XX/XX/XXXX, at XXXX XXXX. I reached out to the bank and questioned the billing issue. The XXXX male customer service supervisor yelled at me and said it was MY fault that I did not notice the fraudulent billing sooner. He corrected problem, but continued to say that some people cant be satisfied. He dismissed the fact that Comenity Bank negatively impacted my credit for 6 months. He felt very comfortable yelling at ME and blaming ME. Many of us who have Lane Bryant accounts are XXXX American women. This is bank is XXXX on XXXX people. You cant win, even with timely payments and a XXXX balance! The structural procedures and practices to keep XXXX people at an economic disadvantage, and destroy your credit are XXXX XXXX. This is a prime example.
I am requesting a thorough investigation into the Predatory lending and billing practices of Comenity Bank. I am requesting that Comenity Bank correct my credit report and provide the highest available rating for the previous 9 months. I am requesting Comenity Bank send me a letter apologizing and documenting the corrections on my credit report back 9 months to all reporting agencies. I am requesting a reduction of my interest rate to 3 % for 5 years with {$5000.00} available credit. I am requesting a {$2000.00} gift card from Comenity Bank ( Lane Bryant ) for their XXXX XXXX.
Respectfully,
08/08/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
CA
92373
Web
Servicemember
Card : XXXX ( store ) by Comenity Bank.
On XXXX XX/XX/2020 I made my final payment of {$780.00}, my balance was effectively XXXX, then on XXXX XXXX I received an email stating that my payment of {$14.00} was due. This card is purported as having no fee, so disappointed I attempted on the XXXX in the morning at XXXX XXXX to contact them and have them explain the charge, the lady I spoke with, I believe XXXX, said it was a " finance charge for being late on my last payment '' which I was not. I asked her to remove the charge and she was not willing, so I asked her to close my account, she stated that she did.
On XXXX XX/XX/2020 ( today ) I went back online to verify my account had been closed, it had not, and not only was it NOT closed but it had yet another {$14.00} balance that was due on the XXXX of XXXX, so I attempted to make a payment online to that amount and their system would not let me, it claimed I already had a pending payment for that amount, which I did not understand, I did not set that up.
At this point I was becoming afraid that I had no power over what was going on, so I XXXX what to do and followed the advice of calling the number on the back of the card, using their automated voice menu system I directed the computer lady to close my account, which it confirmed that it had done, then it proceeded to ask me " Do you want a confirmation letter faxed to you? '' and I said no, I want it mailed to me, and the voice says " sorry I'm having trouble understanding you '' Their system will NOT send that confirmation letter by email or mail only a fax, I'm sorry, who has fax machines today?
Bottom line, if they manage to get that other {$14.00} from me then they owe me {$29.00}.
This type of treatment should be illegal.
03/03/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
60047
Web
I opened up an account while on vacation in XXXX and purchased 2 watches. If I paid in full prior to the promotion ending, I would not have to pay any interest to XXXX XXXX-Comenity. I paid my account on time the entire time and sent out my final payment that was due on XXXX XXXX, 2019 the same time as I had in the past if not even earlier because I was off of work and did all my bills during XXXX break. For some reason they are claiming that it didn't post to my account until XXXX XXXX, 11 days pass due the promotion. When I first spoke to Comenity-XXXX XXXX, the agent had asked me when I sent out the statement, my answer to her was, I would be lying to you if I knew the exact date when I had, why would I remember that, how would I be able to answer that question??!! So, I said to her well for sure by XXXX XXXX, I don't know but I always mail my bills out for sure at least a week before they are do as always. She said ok, and with that information the investigation was completed and because I said XX/XX/XXXX, and again I stress, I repeated over and over again, that I did not know for sure and just said XXXX XXXX the latest when she said she needed to know a date for the investigation. Well, they determined that I did not give enough time to get there on time as I had in the past so I was now past due over {$2000.00}. I then sent a certified letter telling them that I wanted proof that my final payment was delivered late by the post office and not by XX/XX/XXXX. I received no explaination, no person to talk to etc. just numerous, I mean numerous calls a day harrasing me for the past due finance charges, I again explain the story and they always maintain that it was my fault and since I can't prove when I sent it I have to pay the money.
09/17/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
FL
34608
Web
Servicemember
I received a letter from a company called XXXX XXXX , XXXX out of XXXX, GA. In that letter it discussed a credit card debt from XXXX that I swear I had paid, which was {$35.00}. Anyway XXXX XXXX offered me a settlement of {$82.00} of the amount of {$330.00} they said I owed. I paid it immediately. I was contacted several times by XXXX XXXX XXXX XXXX saying I owed the amount of # XXXX. I informed them several times that the debt had been settled through XXXX XXXX, XXXX. I was told there was no record. I have since learned from XXXX XXXX that XXXX XXXX XXXX XXXX called on XX/XX/2018 to verify that it indeed had been settled. XXXX XXXX XXXX, said they spoke to XXXX from XXXX XXXX XXXX XXXX and confirmed this account had been settled. Now I receive additional mail from XXXX XXXX XXXX XXXX informing that I still owe {$240.00}. That most recent correspondence from XXXX XXXX was mailed to me on XX/XX/2018. I also received another correspondence from XXXX XXXX, XXXX showing the discount I had paid to settle but showing the {$240.00} as amount owed and when I called them to question this, they told me the letters are standard and to see the small print that says, the referenced account had been settled in the office. I argued that the letter is misleading and the amount owed should reference a XXXX amount since I was offered a discount price to settle and performed on that offer. I have tried unsuccessfully to contact XXXX XXXX XXXX XXXX as you are supposed to leave a message at their number, XXXX and the mailbox is always full. I have called 17 times today and can not get a hold of anyone. I have called XXXX XXXX XXXX at XXXX and they said it shows as paid on their end. In the meantime my credit report shows the full amount as charged off.
03/13/2017
Yes
Credit card
Credit line increase/decrease
NC
28373
Web
Servicemember
Hello Comenity, You guys are killing my Credit Score. I have been a XXXX customer since 2015. I recently requested a Credit Line increase, to which the system advised a letter would be sent within 7-10 days. We all know that means denied!
I had no idea, you 'd be running a hard inquiry on my XXXX report that will of course stay there for 2 years.
So, in regards to this limit increase reqiest First you place a hard inquiry on my report, since I requested a limit increase and then send me a letter via the account management center telling me that you can not contact me in regards to information in my credit report. That 's vague and foolish.
Then, I just called your CS in regards to this letter and then, the agent tells me the same thing and says she will submit another request ... .without telling me that it will be another hard pull on my XXXX report. ARGHHHHHHHHH!
Yes, I subscribe to the CRAs for up to date information on my report, whenever any changes are made, it will alert me right away!
I need you guys to remove the hard inquiries on my report asap. Or provide me with the Credit Line increase. Here I am with an annual income of over $ XXXX a year and all you can dole out to me for XXXX is {$1000.00}.
Not to mention, I have many other open and actively paid account -on time with Comenity and you treat me like this! I think it may be time for us to separate.
... XXXX hard inquiries in the same time frame for the same thing, is uncalled for and very unprofessional.
I am not going to live for 2 years with hard inquiries on my report, a credit score that is dropped for no reason and and your company does n't know why you can not contact me when my contact information has been the same since opening the account. Hello!
-XXXX
07/15/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CA
95826
Web
Me and my husband went to XXXXXXXX XXXX XXXX on XX/XX/2018 in XXXX, CA to do a little shopping around. One store I went to was XXXX XXXX. When I went to pay at XXXX XXXX, the associate offered me a reward card and told me it would help me get {$20.00} off the purchase and get a free pair of underwear and I would get points as I spend money there. Most stores offer their own versions of reward cards for free so I was inclined to do. As I filled out their survey and finished, I was ready to put it on my debit card but the associate said that we had to put the transaction amount on the rewards card, which to my confusion, happened to be a credit card. No where in the conversation was the rewards card called a credit card, even when I asked what the rewards card entails. The associate never told me it was a credit card and never asked to pull my credit, but rather told me that it was just a free rewards card. Pulling credit is not free as inquiries can affect your credit which takes time and money to improve. So the associate wanted me to put the {$93.00} on the credit card but since I did not want the credit card in the first place I put on my debit card. We tried to talk to the manager but we got a supervisor named XXXX and while trying to explain the implications of this deceptive practice, we were told that we were being aggressive to trying to find a resolve. After leaving we called XXXX XXXX Customer Service and talked to a CSR named XXXX who was very helpful, they wanted to send a {$25.00} gift card for the inconvenience. I was also told that this happened to another person by the rep so this seems that it can be a reoccurring incident. My husband works with loans and said that this would break certain laws/regulations under UDAP.
12/13/2020
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
LA
71360
Web
I had lawyers that were supposed to have been representing me file that the information was wrong and proved it was and you REFUSE to take it off. IT IS NOT ACCURATE as they say I paid XXXX XXXX and XXXX which I did not and they have CLLSED this account 3 times. I HAVE ASKED for original date of default and I haven't gotten it. This account is being fraudulent and reporting false information and I want it removed. This is not right and I am NOT given a valid reason as to WHY nothing is ever done when if you look at my account and I sent pictures I clearly is being reported everything I have said and proven and yet you still say that information is valid and you do nothing. This account is over 8 yrs old it has been charged off and closed more than 3 times but continues to hurt my credit. I have had lawyers and I have tried on my own. I'm not going to stop fighting this because what you are doing is wrong and violating my rights. I have more than proven there is false information on my account to have it removed as it should be when things are wrong and I've asked to have them removed. This debt is over 8 years old had i bankrupted it wouldn't even be on my account anymore. Yet this company is allowed to falsely say I paid in months I didnt and say I was current and then close account in the same month, then report back the next month I am late when the account has been closed and reopened going on 3 times. All this time lowering my credit scores and hurting my credit, because they are allowed to keep a closed account active saying payments were made when they weren't to turn around and say after that I was late again and hurt my credit. I am not going to stop fighting this, this is wrong and the agencies are discriminating against me.
01/11/2020
Yes
Debt collection
I do not know
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
MI
49504
Web
This is in regard to the most recent complaint with the requested fair resolution updated The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting this debt as a charge off and reporting late payments to credit bureaus after they have allegedly sold the debt to a debt collection agency and still trying to collect where no way have I agreed are acknowledged the debt is mine.The company also has a collection service XXXX XXXX XXXX, XXXX which complaint has been filed through the Consumer Financial Protection Bureau ( CFPB ) on are around XX/XX/2020 which letter of validation to the company sent is attached on this complaint has also taken unlawful action by suing me after I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
09/06/2017
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
CA
94112
Web
Several months ago, my husband and I went to XXXX XXXX to purchase a set of dining chairs and a chandelier. It was a substantial purchase and the sales person suggested that we apply for a XXXX XXXX credit card ( offered through Comenity ) to receive a 10 % discount which will be reflected on the credit card statement. The sales agent ( her name is XXXX ), stated several times that she was so happy to help us SAVE so much money. At the time, I did not receive any disclosures - just a hand written paper with the XXXXXXXX XXXX/Comenity credit card number. I received the furniture approximately 30 days later and the first bill approximately 60 days later. When I looked at the credit card statement, I did not see the 10 % discount. I contacted XXXX at XXXX XXXX and inquired about the 10 % discount and at this point she stated that the 10 % discount will be provided in the form of Reward Points to be used to purchase additional XXXX XXXX product. I was very upset about this because it was not clear to me at the time - that a 10 % discount was provided in the form of reward points. When I specifically asked XXXX why did she stated that I was " saving so much money '' her response was that many customers complain about this and she agrees that their sales pitch is misleading. Further, she said that its a practice that she can not control and they are trained to state this " savings '' for signing up for the Comenity credit card by the store manager or " corporate ''. She highly suggested to me to make a formal complaint so that other consumers are not mislead. She said that she ca n't stop this practice but if enough people complain, she and other XXXX XXXX sales representatives will not be force to sale the credit card so hard to consumers.
12/26/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
FL
34472
Web
Comenity Bank/Marathon Visa Account number, XXXX. is a fraudulent account that was opened in XXXX, XXXX by someone using my person information without my authorization or knowledge, This is being reported on my XXXX XXXX XXXX.
The address that was used to fraudulently Apply for and open this Comenity Bank/Marathon Visa is not my address, nor have I have resided at that address, nor do I know anyone who resides at that address which is located more than XXXX miles away from the address I've resided at for more than 22 years, XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX I have filed a Police Report, Filed out an " AFFIDAVIT OF IDENTIY THEIF '', provided documentation proving that I've never resided at the address used to apply for and open the fraudulent account, proven that I've lived at the same address more than XXXX miles away in a different city, in a different county, and have no ties to the address that was fraudulently used to apply for an open the Comenity Bank/Marathon Visa . Comenity Bank/Marathon Visa refused to remove the account from XXXX XXXX XXXX claiming that they can verify the phone number, which was already proven to be a fraudulent account by XXXX, and not mine. As well as claiming I made payments on the account, which I didn't I have repeatedly asked for proof of this documentation, yet Comentiy Bank/Marathon Visa refuses to provide any information to me too support their claim that the account belongs to me, which is doesn't.
Comentiy Bank/Marathon Visa charged off the account in XXXX, then sold it to a third party, XXXX XXXX XXXX XXXX who in turn dismissed the matter agreeing with me that the account was fraudulent. Unlike Comenity Bank I have provided documentation to support my claim of Identity Theft.
03/28/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
92592
Web
Re : XXXX XXXX XXXX XXXX ( comenity bank ) Acct number : ending in XXXX Hi, I contacted XXXX to pay my bill at the beginning of the year. The customer service lady I spoke with said she could take the payment and have the late fee removed but I would have to call back and speak with a service department as they were not open at the time. At that time I made a payment taking care of all purchases, except for the {$35.00} late fee.
I called back and spoke with someone else who said that was not true, and they would not be able to waive the late fee. I explained to them that I had not received a bill. They told me that the billing had been changed to go to my email account. I was not aware of this. I explained that I had made the previous payment and that I was promised to have this late fee waived. The man I spoke with this time said he could not waive the fee. I then told them I wanted to close the account. I called back the following Day and spoke with a new representative. He told me that this account was closed with a zero balance. XXXX XXXX XX/XX/XXXX ) I just received a bill in the mail today XX/XX/2020.
Showing a balance of {$73.00}. Now this statement shows two late fees plus interest. I called express immediately and spoke to you a supervisor by the name of XXXX. He told me he could not help me. I explained to him the situation and that if they could not help me resolve this as promised I would file a complaint with the credit bureau. Can you please help me with this? I have excellent credit with a XXXX score, and do not want this tarnished because of this company is excessive late fees.
Please contact me.
XXXX XXXX Thank you, XXXX XXXX I do not have this full account number as it is partially starred out on this invoice.
12/22/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
VA
22192
Web
Servicemember
CB/XXXX. I have had this account for like 6 years. I use it and I pay it on time regularly.
On XX/XX/XXXX, I called in and asked what is the payoff amount so that I may close the account with a XXXX balance. They told me the pay off amount was approximately {$85.00}. I paid the full amount immediately and they confirmed it would be closed. The payment went through. I confirmed with the rep that my account was closed and they closed my account.
Three months later, I got a bill for about {$180.00}. I called them and they said that is what I owe but I told them that I already paid the payoff balance and that they closed my account already. What are the charges for? They said it was the late fee since it was not paid on XX/XX/XXXX. How can there be a late fee when I paid off the full amount balance and request the account to be closed and they closed my account on XX/XX/XXXX.
The payment and closure happened BEFORE THE DUE DATE, so no late fees and interest should have been accrued.
Now my account is reporting with a balance of {$250.00} for the late fees and interest accumulated over six months for an account that I paid off and closed. This is not how a business should be run.
I spoke with representatives three times and even though they confirmed I paid off the account and closed it on XX/XX/XXXX, they still insist it was late on XX/XX/XXXX and that they will not remove the fees/interest unless I pay them. I feel these fees and interest are not my responsibility if I did my due diligence to pay off my account timely and in full. It seems like this is an error on their part and it is their responsibility to rectify it by removing all financial responsibility on my part and reverse any adverse actions to my credit history.
03/17/2020
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Problem getting a working replacement card
CA
94804
Web
On XX/XX/2020, I went to XXXX XXXX in XXXX XXXX, CA. I was asked if I wanted to apply for a XXXX XXXX Credit Card. The salesperson told me they have a store credit card that would allow me to use the credit card anywhere. I asked 5 times if I applied for their card and if I got approved I would be able to use the card at any store other than XXXX XXXX. The lady checked with her colleague and they both responded yes. I was approved for the card. I was given a temporary receipt showing I was approved and expect the card in 7 to 10 days. I said thank you. From XX/XX/XXXX to XX/XX/XXXX, I have not received the new card. Let customer service tell it they would put in a request to send out another card. Then I was told because of the billing cycle, they couldn't send me out a card. I would have to call back in 30 days or mail confidential info to verify my identity. I called back again and was told the account was shut out by their rep. I was told the account was reopened and I will get a new card. I called back again and was told the system wouldn't allow them to send out a card to me. I was asked to verify my address. I did. They told me on their end they didn't have my apt number and that was the problem. It's funny how they added the apt number without me being required to send in documentation proving my identity but couldn't mail my card out. I asked to speak to a supervisor and they put a senior account rep on the phone. He did a absolutely nothing. He just wanted to get me off of the phone. He said mail the confidential info in or wait almost 6 months to call in for another card. He informed me that the card was just a regular store charge account and not a visa as promised.
I was not able to reach an agreement with Comenity.
03/07/2018
Yes
Debt collection
I do not know
Communication tactics
You told them to stop contacting you, but they keep trying
TX
79608
Web
The dates go back months - normally receiving calls that have a caller ID stating " XXXX '' with a phone number of XXXX. They usually do not leave any messages. The second number I listed is the phone line for my computer modem. One day I grew frustrated at the number of repeat calls and answered the modem phone - and they were asking for my Sister, who lives 300 miles away, outside of XXXX. We had not lived in the same house since we were children, nearly 40 years ago. I hung up on them. They then called my house phone, I answered and they admitted they were calling EVERY household in the State of Texas with our last name, even thought they CONFIRMED they had my Sister 's correct address and phone, and that they DID have a way to contact her, but they were seeking ways to harass any FAMILY members to get her to call. I did contact my Sister, and she contacted them. She found out it was about a disputed charge she had already RESOLVED with her local bank MANY months previous.
The calls have continued to MY home 300 miles away - but today they left a message, speaking to my answering machine addressing my SISTER as though MY phone was HERS.
I will be notifying her - but will you please contact the bill collector ( who is probably still calling all people with our last name around the state of Texas, as well ) and stop them? I already told them to stop calling back in XX/XX/XXXX.
The collection agent that is in violation who called today is " Specialist Right '' at ( XXXX ) XXXX extension XXXX. I will be letting my Sister know so she can re-contact her bank yet again - but I do not have this company 's address so I could write them under the Fair Debt Collection Protection act and require they no longer contact ME. Please help.
10/15/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
FL
33128
Web
I, XXXX, The natural person and Consumer Citizen is responding to the allegation, mores " lies '' brought about from the following companies : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, /COMENITY CAPITAL BANK . You and the paid third party debt collectors without contracts to collect ( pursuant to 31 U.S. Code sec,3718 ) are in fact caught in a lie and have given all proof needed as to what published within your response. You have failed to mention WHO, the investigative information was obtained from.. in addition, HOW my personal information was obtained, fi not authorized by me pursuant to 15 U.S.Code 1681 ( B ), you've had no Permissible Purpose '' or written consent from me the consumer. This is in fact identity theft, punishable in Federal Court. I have in mailed in second notice of ceasing all REPORTING and providing me with the proof of WHO and HOW investigations were done. These companies have not supplied any evidence to how my information was obtained, only that it was " verified and accurate '' pursuant to 15 U.S. Code 1681 ( A ) ( E ) speaking to personal friends, family, etc is not FACTUAL, none the less third party bureaus buying personal information, all NOT AUTHORIZED BY ME. these companies continue to report inaccurate information in violation of the FDCPA. In all of the companies responses they have failed to mention how, where, or from whom the information was obtained. MY character continues be defamed, willful injury, emotional distress along with my credit and defaming of privacy. Under the 4th Amendment and Federal laws I am protected, my 4th Amendment Rights have in fact been infringed on as my " rights to be secure in my papers " has not been constituted in this matter.
08/30/2017
Yes
Debt collection
Credit card debt
Written notification about debt
Notification didn't disclose it was an attempt to collect a debt
MA
02368
Web
On XX/XX/XXXX at XXXX XXXX I received an email notification from XXXX XXXX to inform me their has been some changed to my XXXX XXXX. I reviewed my account to check the status of reporting to my credit bureaus. In checking it was XXXX XXXX XXXX whom reported. I contacted XXXX XXXX XXXX XX/XX/XXXX in the morning to check the status of my reporting. I explained to XXXX XXXX my current financial situation. I informed XXXX I am a XXXX mother with XXXX whom have XXXX and XXXX. As well as I am living in a XXXX XXXX from XXXX XXXX benefits and department of XXXX assistance. XXXX check her system to see what she could do to help me as informed me based on my current situation that she would close the account. I was placed on a hold where she check the system regarding my Comenity Bank debt. XXXX informed me that as of XX/XX/XXXX Comenity Bank is taking back their collections and she will not be able to help in closing my account my account based on my situation. I then asked that is they knew that this account was being transferred to XX/XX/XXXX as of XX/XX/XXXX why would they report it to credit bureaus? XXXX responded by saying they will remove the report within 10-15 days the latest is 30 days. I cant stop crying as I also contacted Comenity Bank and was informed by the customer representative the account is in collections and they have nothing in their system that indicates it is being taken back. The representative advised me to call, email and leave a message for the debt settlement department through Comenity, which I have done by leaving a message to get a better understanding as to what is going. Most importantly why no has communicated with me about XXXX XXXX number just being sent to different agencies without my consent.
10/22/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CT
06451
Web
Older American
In XXXX I applied for and received a BJS Mastercard from Comenity Bank but because the interest rate was so high I never activated it. At the time I also applied for, paid and received a BJs membership and I used the membership in XXXX only.
Because I never activated the card, I didn't think a new charge for membership could be added to that card so I never checked notices from BJs until XX/XX/XXXX. I called BJs and Comenity to straighten this out several times saying I never activated the Comenity Mastercard so how could a membership be charged. I told them I had lost the card and if they would send me a new one, I would get a membership. They sent a letter saying they could not validate my address so I couldn't get a new card.
I called again and told them to cancel everything. Comenity had ruined my credit report saying I defaulted on payments and kept charging me fees. Now my balance was {$180.00} for a credit card and membership I did not have or want.
From XX/XX/XXXX until XXXX XXXX I made at least 5 calls and was assured my balance would be wiped out and the card discontinued. Although I do not want this card, I am not sure they have discontinued it and on XX/XX/XXXX I again received an invoice with a balance of {$85.00} which I have paid out of fear that my credit report would continue to tank.
I also sent a letter to Comenity stating I wanted to contest the fees and in response they said it had been taken care of.
I am XXXX years old and have had credit and mortgages for over 40 years and have never defaulted!
I have been very upset over what was originally a {$55.00} membership I told them I did not want and have never used either the BJs membership or the Comenity mastercard.
Can you help? XXXX Thanks
12/07/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
VA
23223
Web
I opened my Sony Visa account with XXXX XXXX in XX/XX/XXXX and have maintained it in good standing ever since. It was recently brought to my attention that someone had possibly taken over my account by adding authorized users who I did not know. I had contacted XXXX XXXX and they placed a hold on my account. In the meantime, I received a card from Comenity Bank saying that they were purchasing my account. I only received one card, so I assumed that the issue with the additional authorized users had been resolved and the new card number was the replacement for the card number that had been compromised. I activated the card on with Comenity when I was able and registered with their website. The account showed that my available credit was {$0.00}. I contacted their web support and was advised that my account was closed. I called again today ( XX/XX/XXXX ) and was advised that my account had been closed by XXXX XXXX and that it did not qualify to be reopened. I had been using my account as recently as XX/XX/XXXX and was given no notice by XXXX XXXX that my account had been closed. I have managed the account for nearly 5 years in excellent standing, yet the sale of the account from one bank to another appears to have lead to my account being closed without reason. I want whatever happened in the conversion to be fixed so that the account I had at XXXX XXXX is the same account at Comenity. I want Comenity to carry the open status of my account from the previous issuer to their system. Their lack of conversion expertise that caused my account to be closed in their system is unacceptable. I would attach a screen print of the account reporting from Comenity, but they have not reported my account in any status since they purchased it.
01/24/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
FL
32257
Web
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX CB/EXPRESS XXXX Found out that these is/are incorrect information listed under my name and I was never late paying.
I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
01/20/2021
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
FL
33414
Web
Victoria Secret Card through Comenity Bank.
The payment of {$72.00} was due on XXXX. However, due to wrong password, I was locked out of online portal to make a payment on XXXX and XXXX. In order to reset the password, I needed the physical card which I couldn't locate. I located the card on XXXX, reset the password and made the full payment.
However, Comenity bank went ahead and charged {$29.00} late fee on XXXX and {$2.00} Fin Charge on XXXX which I got to know when I received the next statement. When I called them and explained the situation, they refused to remove the charges ; despite the fact that their record shows wrong attempts, lock out and reset.
Eventually the account started accruing late fees and finance charges on XXXX ( XXXX ) balance of actual purchase/principal. As of now, the account has 5 late fees and 5 finance charges ( equal to {$180.00} ). All of this is late fee and interest as payment was late by a day. Meanwhile I have been getting multiple daily calls ( from different area-codes and once from an unknown number ), and text messages.
Additionally, they kept reporting this to credit bureau which has damaged my score extensively. It went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. It has made my attempt to draw first mortgage on my house so I can float my XXXX XXXX virtually impossible.
While people are struggling to pay for basic needs in this COVID mess, this usury practice for one day of delayed payment has led to situation where I can't borrow money to keep my XXXX XXXX going which supports 10-12 employees.
I'd request VS/Comenity Bank to reverse the charges, delete the credit line and correct the reporting to credit bureaus immediately.
01/29/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
93004
Web
I purchased 1 item with XXXX, when i received notification from USPS that the item was ready for pickup I went to pick it up. At USPS the worker advised me it was 2 items. I advised him that i only only ordered/wanted 1 of the items not 2. I noticed that it was 2 of the same items because the box was the same weight, size and shape. He also noticed it as well. He advised me that I could refuse 1 of the 2 shipments, which I did. On the electronic signature he wrote " REFUSED ''. For the 2nd item I signed for it because I received it. A few days later I returned the other item that I actually ordered. Few days past and i notified XXXX, which they told me to contact the seller XXXX and XXXX bank. I contacted XXXX, XXXX and XXXX. XXXX and XXXX ( seller on XXXX ) where not responding with the return so after a few calls, emails and letters to both ( XXXX and XXXX ) I contacted XXXX opened up a dispute and mailed them all documents with proof of the return, emails to XXXX and XXXX of them being non-responsivness. I waited around 2 1/2 months for XXXX to send me a letter saying that they have removed the credit on my account for the charged and placed the charge back on my account. The cover letter from XXXX advises me of a different customers dispute, not mine. I called XXXX and they advised me that they had to side with the merchant because of what the merchant submitted. I advised XXXX that the merchant didn't provide proof that I signed for the goods, but i provided that i shipped it back to them. XXXX told me that they did receive everything from me, but they couldn't help me. I contacted XXXX via chat and they said they will look into this again for me especially with what i told them and with what she could see on her end.
06/29/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
DE
19806
Web
During the checkout process for a {$92.00} online purchase from Wayfair, I was solicited for a {$40.00} credit off my purchase for opening a Wayfair credit card ( Comenity Bank ). Because I was offered a credit of {$40.00} off my purchase, I applied during the checkout process. My application was approved and the purchase was automatically billed to the new Wayfair account. I received my Wayfair statement XX/XX/20. I did not receive the {$40.00} credit. On XX/XX/20 I called the Wayfair credit company ( Comenity Bank ). THe representative said he would complete a dispute on my behalf since I did not receive the {$40.00} Credit. I was concerned because the bill was due by XX/XX/20. He said during the dispute process I would receive a provisional credit. I called again on XX/XX/20 because I had not received the dispute letter or a provisional credit on my account. The representative said they did reach out to Wayfair about the dispute, but had not received a response from Wayfair. She then told me that my purchase did not qualify for the offer. She said they had to wait for Wayfair to respond. Because the bill is due soon, I called back again XX/XX/20 to confirm if the provisional credit was applied and to confirm the name of the bank. The representative said the provisional credit was still not issued. She also advised that because my purchase was less than {$150.00}, it did not qualify for the credit.
When I was solicited by Wayfair during the online checkout process, it was not disclosed to me that a purchase of {$150.00} was required for the {$40.00} promotional credit. Furthermore, if my purchase did not qualify for the offer, Wayfair should not have solicited me for the offer during checkout of my {$92.00} purchase!
06/12/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
FL
33470
Web
Older American
My complaint is against Comenity Bank and XXXX XXXX XXXX.I received a notification on my credit report asking if I had closed my XXXX XXXX credit card. The answer is no, I did not. Following this alert I called XXXX XXXX and then Comenity Bank, speaking to several people beginning with XXXX at the XXXX XXXX Headquarters, XXXX, a Senior Account specialist, Employee ID XXXX at Comenity Bank and then finally XXXX at Comenity Bank ext. XXXX that could not and have not answered the simple question of why they would close my account during the covid pandemic. After the credit alert, I received a letter dated XX/XX/2020 stating thank you for contacting Comenity Bank but that my credit card from XXXX XXXX was closed by the bank due to inactivity. As a loyal customer of XXXX XXXX organization, I find this unacceptable. Why would Comenity Bank and XXXX XXXX choose to close my account during the time of the Covid pandemic when the stores were closed and I was unable to shop on site. I am a XXXX senior and do not shop on line due to my XXXX. As you can see, I have reached out several times to try to settle this issue to no avail. At the very least there should have been a letter of notification prior to this happening giving me the opportunity to use my card on line if necessary to keep the account open or close the account myself.Is there no protection from this type of action? I am very unhappy that this has happened because it is a blemish on my credit which is extremely important to me. I have asked that my card be reopened and was told that that is not possible and I could reapply. This is unconscionable for this to have happened during the Covid pandemic! I would appreciate your help in this matter.
Respectfully, XXXX XXXX
06/10/2018
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
MD
21093
Web
XXXX has illegally frozen ALL of my accounts as RETALIATION because I previously filed a complaint ( they illegally obtained the number of my elderly mother and told her she had to pay my debt or she would go to jail! ) I responded by calling XXXX and explaining to them that I am XXXX years old and Ipay my own debts. I respectfully requested that ALL employees of XXXX only contact me at the phone numbers I provided. I also demanded that they refrain from looking up the names and numbers of my relatives and threatening them by demanding they are obligated to pay my debt. I is notable that I have lived in my home and had the same number for over 20 years so XXXX would have NO problem finding and contacting me! XXXX is using illegal tactics to collect debts including but not limited to targeting and threatening the elderly. In short, there is NO legal basis for XXXX to freeze ALL of my accounts much less demand the ability to collect my debt from my family as a condition for providing me with credit. XXXX is also lying by stating that I denied them permission to contact me. I have always openly provided my own phone numbers and address as points of contact. However, I did demand that XXXX refrain from illegally contacting my parents, relatives, friends and employer to demand payment of my debt. The illegal actions of XXXX collection agents must be stopped! In addition, XXXX should be audited and fined for intentionally retaliating against me ( and probably others ) by freezing credit on existing installment payments when all I did was report their illegal and predatory collection activities. The fact that XXXX keeps getting away with this outrageous, intentional and illegal behavior is not just ridiculous .. it is obscene!
01/31/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
CA
92270
Web
Older American
On or about XX/XX/, I purchased a rug for {$500.00}, charged to the credit card ; on XX/XX/ this item was returned and a refund issued to the credit card. On XX/XX/ I purchased another rug for {$230.00} charged to the credit card. There was a statement which I never received ; upon receipt ( to me ), of the first statement showing a balance due of {$320.00} representing {$230.00} for the rug plus fees, interest, totaling {$86.00}? I called Customer Service and spoke to XXXX, he waived all interest and I mailed a check for XXXX with a letter explaining the above to the Company / Financial Institution. The check, with a letter from the financial institution was returned because I didnt pay the difference i.e. interest! On XX/XX/ again I called Customer Service and spoke to XXXX ( sp? ) who agreed to waive all interest per confirmation # XXXX, if I paid over the phone the {$230.00} ; I did! The following month ( XXXX ), I had a new balance of {$58.00} ; XXXX {$85.00} ; XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX {$150.00} During XXXX, XXXX and XXXX the interest was low because we were exchanging letters ( the financial institution and myself ), where I was trying to explain the above ; their last missive they stated At this time our investigation has concluded ... What investigation if they refused to read my letters, which had attachments with dates! At one point I received 2 separate letters from different Customer Care Team, there was never a name or a signature, never an individual to whom I could address this issue ; some of the letters didnt make any sense! I was really frustrated! I sent a payment of {$14.00} this month just to prevent them sending this account to collections, they did already sent a notice to my bank!
06/26/2020
Yes
Credit card or prepaid card
Store credit card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
PA
15219
Web
Hello. My name is XXXX XXXX and I have been having a number of issues with a company by the name of Comenity Bank. I would have no problems with the calls IF they were happening twice a week and had the company 's name and phone number coming across my callerID. But that is not what is happening. Instead I am receiving between 6-8 calls per day from either Unknown numbers, ( XXXX ) XXXX, or ( XXXX ) XXXX. Today, when I answered the call, the person went straight into a spiel asking me when I was going to be able to pay a certain amount towards a bill. When I stated that the person he probably meant to speak to was not around at the moment, he says that he is Mr. XXXX with Comenity Bank and was under the impression that he was calling a personal cell phone number. Interesting that he said that, because, without leaving a voicemail, I received a robocall from ( XXXX ) XXXX today, on XX/XX/2020, at : XXXX, XXXX, XXXX, and XXXX. And on Tuesday, XX/XX/XXXX, at : XXXX, XXXX, and XXXX. When the calls came in on Wednesday, XX/XX/XXXX, the callerID came up as UNKNOWN three times. I am pretty sure that even debt collectors by law are not allowed to spoof their phone numbers or call numerous times per day as a robocall. I am sure that this violates a Federal Law known as the Telephone Consumer Protection Act ( TCPA ) and " Mr. XXXX '' had let me know that this is a practice that was happening when he stated to me that he thought that he was calling a personal cell phone number. If they had any notes on their customers ' account, they would see that I requested to have calls come in specifically stating who the caller is or the company they work for, because in this day and age, scammers use the same tactics as Comenity Bank does.
03/29/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
61530
Web
I have had a XXXX credit card since XX/XX/XXXX. I received a bill of {$170.00} in XX/XX/XXXX which I paid on time and said payment was processed and removed from my account. I received notification XX/XX/XXXX there was a problem with myXX/XX/XXXXaccount. This person left a message and did not identify themselves as representing XXXX XXXX. I called back and they said they did not receive my payment. I had my online banking account, XXXX XXXX, send a proof of payment. I also sent paperwork in to dispute the claim of non-payment. During that time XXXX XXXX XXXX XXXX XXXX continued to add Finance and service fees on my account during the dispute. At no time was I told that my payment, as per usual practice, which had been written out to XXXX XXXX XXXX, was now the wrong payee. Having accrued during this time {$190.00} in fees on my account I was told if I paid the minimum {$92.00} they would expunge {$180.00} in fees. I didn't add up the fees at the time and still do not understand why the other {$14.00} was not also expunged. This was in XX/XX/XXXX, and my credit rating was being ruined so I paid the {$92.00}. They continued to add finance charges of {$2.00}. I paid the remaining {$81.00} for the total of the original bill of {$170.00}. I then received, most recently, an additional finance charge of {$2.00} on my account. This was on top of the {$14.00} fee not previously removed and the {$2.00} fee they had tacked on. Today I paid them {$18.00} to prevent them from going in and once again attempting to ruin my good credit and continue add finance charges on my account. I firmly believe that the transfer of ownership of XXXX XXXX is being exploited to extract erroneous fees from this customer. Thank you for your time
06/09/2017
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
OR
97217
Web
Servicemember
Zales Store re cently offered me a Credit Card ( issued by Comenity B ank ) at 0 % interest rate for 12 months. What they did not disclose was a fee of {$9.00} is applied to customers ' credit card for this offer. On XXXX XXXX XXXX , I visite d Zales to p urchase a ring. While attempting to pay I was offered the option to get a store card for 0 % interest rate for 12 months ( instead of paying immediat ely ). The application was submitted and approved for $ XXXX by me giving the store rep my SSN. Th e card arrived on XX/XX/XXXX and I immediately registered to view the account online. I noticed that in addition to the charge ( for ~ {$1500.00} ) and extra {$9.00} was added for " Promo Fee ''. This fee was not disclosed at the time I was offered the card.
1. On XX/XX/XXXX , I called Comenity B ank ( the card issue r ) to inquire about the fee ; I was told that they ( Comenity Bank ) did not apply the charge and that I should contact Zales 2. I visited Zales ( minutes later ) and they stated the charge was not applied by them but rather, by Comenity Bank 3. The Zales rep wa s absolutely unaware of any fees being applied ( for the 12-months 0 % APR option ) and opted to call Comenity Bank while I was at the store. Comenity Bank finally admitted that they applied the charge but needed a supervisor to reverse the charge. The supervisor finally came on the phone and flatly refused to reverse the charge. As mentioned, this fee was not disclosed ; I would not sign up for a program that is offered at 0 % interest rate but charges {$9.00} monthly for the privilege of 0 % APR for 12 months. I have canceled the credit card but Comenity Bank insists on collecting the fee. Kindly assist.
05/05/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
NY
11238
Web
Comenity Bank has done the following injustice to me, My XXXX XXXX, and my Credit Report. Without my authorization they closed the following accounts resulting in a lost of {$17000.00} in credit.
1. BJs Master Card Credit Limit {$5000.00} Acct # XXXX XXXX XXXX XXXX Comenity Bank/Comenity Capital Bank reason for closing my account they stated that I have to many inquiries on my credit report and this was after my application for a line of credit of {$5000.00} was approved and before I received the physical card in the mail.
2. XXXX Visa Credit Card Credit line {$12000.00} Acct # XXXX XXXX XXXX XXXX Comenity Bank/Comenity Capital Bank sent me a letter stating that XXXX went out of Business and that my card will no longer be accept for purchases. I contacted Comenity Bank via telephone asking will this affect my account and the representative said no because XXXX Card is a Visa card it will be accepted everywhere else. And that I have nothing to worry about and now my account is closed.
They do not care about there customers and they have this habitual habit of closing peoples account and reporting it to there credit bureau that line was closed by granter and ruining everyones credit scores credit reputation and credit report. They refuse to do anything about but refer you to the credit report agencies that cant do nothing for you.
Attached is the statement for both card thats were closed proving that I had active accounts.
Attached is the letter sent to me recently pertaining to my models credit card being closed after they told me via telephone conversation that it will still before and I would be able to make purchases anywhere because its a visa credit card. Attached is a picture of the physical cards.
04/10/2018
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
GA
31808
Web
Servicemember
This is the body of the letter I sent to the XXXX XXXX in XXXX, OH. See attachments.
1. The reason for this letter is in regard to your billing of my account. ( Refer to highlighted area of enclosed copy of your agreement titled How to Avoid Paying Interest. ) 2. This account was opened in XX/XX/XXXX in the amount of {$2800.00} for the purchase of XXXX XXXX from XXXX XXXX XXXX.
The end of XXXX we contacted your customer service line concerning this account as we had not received a payment notification yet. We were told at that time the account had not yet been set up and they could tell us nothing about it until after XX/XX/XXXX.
Finally about XX/XX/XXXX we received a statement on the account. To my surprise there was interest charged. This is a problem as this was the first statement on this account. Why was there interest charged?
The account was paid in full, {$2800.00}, this included the incorrectly charged interest, and the current statement received today confirms that it was paid before the cutoff date for the billing cycle. Our bank shows it cleared your payment on XX/XX/XXXX.
The issue here now is the fact that there is an interest charge of {$18.00} when there should be none and the {$16.00} from the first statement should be refunded. This is per, again, your agreement statement that reads Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due day each month. Which the entire balance was paid.
3. Therefore, we request that the current interest charge of {$18.00} be removed from the account and that a refund of {$16.00} be returned to use in cash or check. This will make the balance XX/XX/XXXX.
05/02/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
VA
22026
Web
Servicemember
On XX/XX/XXXX I was told if I opened a XXXX credit card that I could get a XXXXmonth no finance charge promotion plan on a purchase for XXXX, so I opened the credit card. On XX/XX/XXXX I called Comenity bank and spoke to an agent and requested auto-pay for 12 payments to be paid off by the promotion expiration date.
My XXXX statement showed the final payment for XX/XX/XXXX was never made and the accrued finance charges of XXXX and a late fee of XXXX were charged and the balance of XXXX. I called Comenity Bank to find out why the last payment was not made and why the charges were assessed. I spoke to an agent, which then escalated the call to another agent. I told the agent that the account was supposed to be set-up for 12 auto-pays by the agent on XX/XX/XXXX. She then put me on a brief hold, then returned to the call and said she would take off the finance fees and late fees and I only owed the balance of XXXX, which she then took the payment from me over the phone.
On XX/XX/XXXX I received a credit alert that my credit score fell from XXXX to XXXX because Comenity Bank reported late payments. I made a written dispute and they said because the statements explained the promotional balance was due by XX/XX/XXXX and it was not paid by then I owe the money. I am being charged monthly finance charges on a finance charge.
I feel this was a scam by the company. Have customer open up credit card with promo plan. Only set-up customer up for 11 equal auto-pays, not 12. So when the 12 payment is not made, they are charged the accrued XXXXmonth interest at 29.99 %. The dispute letter states they did an investigation but they are taking no responsibility for their agents actions on both phone calls I made to Comenity Bank.
06/19/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
14738
Web
Servicemember
I opened a XXXX and Banks store credit card on XX/XX/2019. 1st purchase XXXX. Downloaded app and set up online banking to pay bill on XX/XX/XXXX. On XX/XX/XXXX I was notified my payment didn't process, I immediately called and made it over the phone. I asked what the balance was, told my card balance was XXXX. I authorized the payment to bring my account to a XXXX balance. I was told my payment did not process on XX/XX/XXXX due to an invalid account number. I was told I must have typed incorrect information. I tought the matter was taken care of. On XX/XX/XXXX, I received my online statement showing I had a balance of XXXX. I was changed XXXX for a returned check fee on XX/XX/XXXX, a fact I was never told about when I called on XX/XX/XXXX. I was the charged a late fee on XX/XX/XXXX plus XXXX in interest. How can the charge a fee on top of a fee plus add interest. Had I be told on my phone call on XX/XX/XXXX, I would have taken care of it at that point. I was not told, then charged fee upon fee. In my opinion this is a predatory practice and deceptive. I had to argue with them to waive the late fee and intrest. I paid the one fee of XXXX and closed my account. How can they get away with charging XXXX over a XXXX balance when I only had the account for a month? If they are doing this to me, how many other are they taking advantage of? This is a horrible business practice Also, since my phone app show a XXXX balance, I had no reason to look further into the account. If my balance shows XXXX, then I would be lead to believe I do not owe anything else. Even with a fee of XXXX on my account, my balance still shows XXXX due. I have included screen shots of my transactions plus what my app shows that I have XXXX balance
12/08/2018
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CA
91030
Web
I made the mistake of signing up for a XXXX Store card when they were running a promotion, thinking I would get some added savings and benefits. Such a huge mistake. Wish I could go back in time and undo. This company is predatory and abusive, taking any and every opportunity to damage your credit. The first month I had the card I had a hard time figuring out how to make a payment ... Setting up and accessing my new account online was a headache and my first payment was late as a result. Not even 30 days. Guess what. They dinged my credit score. A score I had been working very hard to improve. I then realized that there was NO WAY to set up autopay on the account, which made it difficult to pay bills. I'd need to log in online and manually pay every month ... a hassle I haven't had to deal with for nearly a decade. Dark ages in terms of financial services. So when I was traveling last summer ... guess what? Forgot to pay my bill online and they hit my credit AGAIN. They also hounded me mercilessly by phone after I emailed about the problems, to the point of harassment. I finally asked for my outstanding balance and instructions to close the account because I was so sick of dealing with them and guess what they did. Closed the account without further communication and reported the outstanding balance to credit agencies, further damaging my credit. I wanted to pay it off and then close the account, not close it with an outstanding balance. They are responsible for lowering my credit score over 100 points for less than {$800.00} in credit. I am also now convinced that XXXX refuses to offer autopay to induce late fees, which according to other reviews Ive read are consistently added in bad faith. CORRUPT AND ABUSIVE.
03/04/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
IL
60194
Web
I sent a Consumer Notice of Fact to XXXX in regards to a collection account showing on my credit report. I have tried disputing this with them to get it removed pursuant 15 USC 1681b ( a ) ( 2 ) but they have blatantly disregarded my concern stating they can not remove it per their company policy but also claim to be in compliance with the FCRA. There is no law that states XXXX is able to or required to furnish a consumer report in my name without my permission. It is a violation of my federally protected consumer rights. Pursuant 15 USC 1681b ( a ) ( 2 ) of the FCRA states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give XXXX or its affiliates written permission to furnish a consumer report. The debt collector, XXXX also sold my information to a third party and shared my information without my consent. This is a violation of 15 USC 1692c ( 3 ). It states, Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Pursuant 15 USC 1692a ( 2 ), The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
01/23/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
FL
33169
Web
To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the XXXX that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.
06/05/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
SD
57335
Web
Older American
My Mom has a credit card with XXXXXXXX XXXX Credit card. She is XXXX years old. She fell at the beginning of XX/XX/XXXX and was admitted to the hospital. She was in the hospital for 3 weeks and now in a XXXX XXXX ever since. I live in another state and my sister lives an hour half away from my mom. We were able to get my mom close to my sister. Over XXXX XXXX weekend I was able to go home to pick up the mail and look at all the bills I have called all the outstanding bills including a XXXX credit card. They heard the story and XXXX waived the late fees and I paid all the bills. When do called XXXX they told they were not able to change or make adjustments accrording to their policy. I was a little frustrated but I asked what the steps we can take to waive the late fees and get the bill paid. They instructed me to have my mom call and add me to the account and say that I can talk to them on her behalf. They said I will be able to talk to them about late fees change address etc.. I said ok I will see what I can do. I called my sister and instructed her the steps. She went to my mom at XXXX. She helped my mom get to customer service to add me to the accout so I can talk to them on her behalf. I then called back to request the late fees. They could see the notes from the previous week and that my mom called to add me to the account. However they were not able to talk to me about late fees because I dont have poa on the account. I was lied to the week before because they did not instruct me on that subject. I wanted to close the account and they told me they could not have all to me on the account. Im very frustrated with them and I have a bad feeling that they pursaded my XXXX year mother in opening an account.
06/12/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
FL
34951
Web
Older American, Servicemember
My credit card with Comenity/ XXXX XXXX was used at XXXX XXXX XXXX XXXX on XXXX XXXX , 2016 by someone other than me. They told me that it is actually XXXX charges made one right after the other on the card and then shown on the card as XXXX charge for {$140.00}. I notified Comenity about this and was told they would investigate. Several weeks later I received a letter saying that they investigated and feel that the charge is mine and I will be continued to be billed for it. I called and talked to them at length about how I was not in XXXX XXXX XXXX XXXX ever and did not make any charges. I also explained that I was in XXXX that day ( same shopping center ) and bought something and as always in XXXX , your card never goes thru the first time and you have to run it again. This was the second time this happened to me in XXXX and the first time, there were charges on my card from XXXX XXXX area directly after I used my card in XXXX XXXX FL. I was n't XXXX places at the same time XXXX miles apart! The credit card used that time took care of the problem. Comenity said they would investigate again. I received a letter saying that they feel this is my charge and would not remove it from my credit card. I have no idea how they can insist that I used a card in a business that I have never been in. Nor how they can explain that XXXX chgs made one after the other became XXXX charge on my card! I want copies of receipts for these " purchases '' and want to see who signed them. There has been fraud committed and at this time, I 'm not sure it was not done within Comenity by an employee, seeing they are unwilling to prove to me that I actually obtained this credit.
10/06/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
NV
89117
Web
Dear Officer, I have been a loyal customer with Wayfair for the past three years or so. During the First year, Wayfair changed twice their business relationship with Credit Card Company that managed their account. On XX/XX/2020, I received another communication thru XXXX XXXX that managed Wayfair Consumer Accounts indicating that their business relationship with Wayfair has ended without any confirmation from Wayfair Corporate Office stating what happened to their loyal customers that have been affected with this closure. I am very upset of the way Wayfair treated their customers in this regards. Wayfair damaged my credit profile by closing my account without any reasons or explanation. When applying for Wayfair credit card, a hard inquiry is placed into the credit profile that lower for short period of time the credit score. So, I am extremely frustrated with mismanaging my account and distroying the line of credit that I established for a long time with this particular Online Store. Government authority should investigate the legality of this issue since several consumers as I am are experiencing this flip flop with their financial institution and how they conduct the business without informing their clients or staff members. I can add that I have been surprised that even their staff member were not informed until our account were terminated without sending any internal memos advising their staff that the relationship with XXXX XXXX had been terminated and without any compensation since they damaged million consumers account credit profile. Investigation of this magnitude should be investigated. Wayfair should be out of business and reported to the Media and others government entities not trustworthy.
08/24/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
10550
Web
This company maintains that they have acted above board. However as of today I have yet to receive one of these letters they have claimed to have sent me. I only received these because they forwarded them to CFPB.
On XX/XX/XXXX it was claimed that a review of the call determined that it wasnt to cover the balance on the account. I advised that there were multiple calls and requested a copy of the calls but never received anything.
XX/XX/XXXX you advised all billing statements were sent out. That the emails were sent but again never received on any email account that I have access to. This is strange because I received a statement at the end of XX/XX/XXXX which has caused me to file these complaints in the first place.
XX/XX/XXXX letter I was advised that neither of these credit card accounts use text alerts for billing however as you can see from the enclosed documents I have now been receiving them every month like clockwork.
I forwarded a complaint to the better business Bureau to whom which your bank refuses to acknowledge. I forwarded a complaint to your states attorney generals office and the office forwarded the complaint again to CFPB.
Now that I have these documents I will again forward my complaint it shows that either there is an issue in the company that needs to be resolved or this company practices are to provide incomplete and unethical business practices and does it best to cheat its customers.
At each turn I have been provided with falsehoods to email billing statements to we dont send text messages.
Now every other day I am receiving calls for payment 2-3 calls a day but when it was beneficial to you to steal and over charge me I never received any calls at the level I am getting now.
09/18/2017
Yes
Credit card or prepaid card
Store credit card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
FL
33907
Web
I had my rent increased on my apartment rental by a significant amount. I am planning to find another place to live. Then, Hurricane Irma hit. I was evacuated to a shelter, had no power. I am XXXX, but work a little. I am an iXXXX XXXX and do XXXX XXXX XXXX. Because of the storm, I was unable to get to my patient to provide his care. I missed close to two weeks work. I do n't get paid unless I work. Because of all these factors, I missed payments on my XXXX XXXX Credit Card and my XXXX Credit Card, which are both through XXXX XXXX. When I was able to live in my apartment again, after the flooding receded and I had power. I called XXXX XXXX about both accounts being late. I arranged to have my next payment debited from my checking account on XX/XX/XXXX. I told them I would catch up and get my account current again, once I was back to work. On XX/XX/XXXX, I checked my checking account at XXXX XXXX XXXX. Two payments had been put through, one for XXXX, at {$35.00}, and one for XXXX XXXX, at {$20.00}. Because I only had a few dollars in my account, both overdrew my account. It takes several days for the charges to be returned, so I can not use my checking account. Now, I ca n't pay my cell phone bill and my cell phone is going to be shut off tomorrow. I called and complained, because I have never missed payments on these credit cards until all this happened. They said it was some kind of mistake. I asked them to forgive my XXXX payments, because, I live in a state that has been declared a federal disaster area, and that 's what my other creditors are doing. XXXX XXXX refused to do this. Now my cell phone will be shut off. I planned on paying it today, until XXXX overdrew my checking account. They wo n't help me.
01/27/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Privacy issues
NJ
07403
Web
My ex husband used the automated IVR phone system for Comenity Bank to obtain my current credit card balance and last payment information to use against me. He knew my phone number, address and last 4 of SSN to use the automated system to obtain information he is not authorized to access. There is no way via the automated system to block him using any additional security measure, like a PIN, to deny access to this private information. If he calls into a live rep, I have added a password to deny access. He can not use the website since he does not have login information or the account number. He has not been an authorized user on this account for over a year and not authorized to obtain any information on my account. Because he knows my personal information, it is not considered fraud for him to obtain this information via the automated phone system. If there had been that one extra step of PIN validation, I could have blocked him from access my personal information. By obtaining balance information, he is able to determine when I make purchases on the card and available credit. He owes me for a majority of the highest balance on my credit card he racked up while we were married. The current balance on the card is much less than what he owes since I've been paying it down to improve my credit score, yet he mistakenly believes this balance is the actual amount he owes and he won't pay me the amount agreed in the divorce settlement. He is using my own information against me. From Comenity Bank records, he accessed my account via IVR on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent or knowledge. He was removed as an authorized user on the account in XX/XX/XXXX, and we were divorced as of XX/XX/XXXX.
08/16/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
MA
01420
Web
On XX/XX/2021, an account for {$5500.00} was opened and funds were paid out to XXXX XXXX XXXX when no services were rendered nor acknowledgement from surgery center of my information and application process.
XXXX XXXX had contacted me from XXXX XXXX for a consultation and offered an interest free financing option for the services requested. Upon my approval she said she has set a surgery date of XX/XX/2021. 2 days later I received a phone call from another representative from XXXX XXXX trying to process a consultation and financing option as well. I told her that I had already done so and if they have my information. She told me to reach out to XXXX to verify and confirm. At that point XXXX did not respond to my phone calls, messages, or emails. I further contacted the office directly and a rep told me to keep trying that she will eventually pick up. At this point I was afraid my information was compromised. I proceeded to leave phone messages and emails to the supervisor and accounting department regarding my information being falsely taken by a representative and they too failed to respond. @ weeks later, another representative contacted me notifying me that XXXX is no longer with their office in which I emailed back to verify my information and to please confirm that all services and application has been cancelled. She too, has never responded.
On XX/XX/2021 I received a statement of financing from XXXX XXXX for payment on an open account for {$5500.00}. They notified me that I have an open account with Comenity Capital Bank for that amount. I filed a dispute with their company, as well as filed a report with XXXX XXXX XXXX against XXXX XXXX, and filed additional disputes with the credit bureaus.
01/09/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CT
06790
Web
Around XX/XX/XXXX I called Comenity bank to dispute a charge I made on XX/XX/XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX for {$1000.00}. Today, XX/XX/XXXX, upon logging in to make a payment and that the {$1000.00} plus interest has been put back onto my card. I had not received any forms of communication from Comenity saying this dispute had been 'resolved ', not did Comenity make any attempts to collect evidence from me about this dispute. I called customer service to inquire about this dispute and was told that XXXX XXXX XXXX XXXX informed Comenity that they have contacted me in regards of my dispute. THIS IS A LIE. XXXX XXXX XXXX XXXX has made ZERO attempt to contact me. When I informed Comenity that they had been lied to, and have based their decision off of false information they said their decision was final. I asked to speak to the resolution department, or the dispute department to make a complaint and I was told I couldn't. They informed me I could only send a printed letter to them. I made all efforts I could on the phone to informed them that XXXX XXXX XXXX XXXX NEVER contacted me. I have attached evidence showing the correspondence between XXXX XXXX XXXX XXXX and myself. On XX/XX/XXXX they requested information detailing what was wrong with the item and pictures. I sent what they requested and then I HAVE NEVER HEARD FROM THEM AGAIN. As you can see via the email document I have attached AND a screenshot from XXXX XXXX XXXX XXXX own resolution center where it shows that NO ONE has responded to me IN ANY WAY SHAPE OR FORM. Hence PROVING this company lied to Comenity, and Comenity has based their decision off of FALSE INFORMATION. This decision of the this dispute should be reversed immediately.
10/02/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
CA
90807
Web
Older American
Comenity Bank charged interest on my fully paid account notwithstanding their credit card statement specifical states, " We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' Noted on the attached 5 pages ( pages 1 - 3 are from the XXXX XXXX statement and pages 4 - 5 are from the XXXX XXXX statement ) are numbers 1 through 5, designating the following : 1. The new balance in the XXXX statement was {$2000.00}.
2. The due date on this balance was XX/XX/XXXX.
3. The reverse side of the statement reads, " We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' 4. The balance owing of {$2000.00} was paid on XX/XX/XXXX which is inside the XXXX/XXXX/XXXX due date.
5. Yet, Comenity charged {$21.00} interest.
On a phone call to Comenity at the number on the statement, I spoke with XXXX. She advised that once there is a late payment, " you are in the interest loop '' and you can never catch up unless you don't use your card for two months. '' I asked XXXX if paid my XXXX statement balance of {$130.00} today ( XX/XX/XXXX ) even though it is not due until XX/XX/XXXX if I could get out of the " interest loop '' and she repeated that I'm " stuck '' and can only get out with two months non-use and that Comenity also would charge me interest on my purchases after the XXXX statement was sent even if I paid my " entire balance by the due date. '' Of note, the " late '' payment Comenity claims was late, was not -- - the due date in XXXX was XXXX and the payment was mailed to Comenity on XXXX, yet Comenity delayed posting until XXXX so they could charge me a {$35.00} late fee and put me into their " interest loop. ''
07/30/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
CA
95112
Web
Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$4900.00} my account. The amount is inaccurate because of billing errors. I was told to electronically transfer my balance within the allotted time ( XX/XX/XXXX ). Later I was told by another customer service representative that an electronic payment is not acceptable. As a result, I mailed a hard copy check that was sent overnight ( XX/XX/XXXX ). Subsequently, I was charged the promotional interest fee, even though I mailed a letter informing Comenity that I was giving inaccurate payment options. The letter also stated that a hard check was sent overnight 2 days prior to the expiration date. This letter was sent via certified mail, it was received and acknowledged by Comenity bank. In addition, on a recorded line I was told by a Comenity representative that a banking billing error occurred and that the promotional interest rate would not be charged. I have asked on several occasions both in writing and over the recorded line for Comenity to verify the conversation and to conduct a comprehensive investigation into the phone calls between myself and the senior manager. Unfortunately, every time I call, I am treated unfairly. Comenity representatives raise their voice with me, put me on hold for hours at a time, and disrespectfully refuse to investigate this case. This is fraudulent activity on behalf of the bank for providing false information and posting an inaccurate charge on my credit without my consent. I have made numerous attempts to reconcile this error. Comenity bank has declined to investigate this case after I requested several times to review the recorded phones calls that were made dating back to early XX/XX/XXXX.
04/01/2020
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
MA
01904
Web
I am still having difficulty dealing with and securing information from XXXX XXXX located at XXXX XXXX XXXX, XXXX, MA XXXX regarding a BJs credit card charge off. I have called XXXX on several occasions to request information I am entitled to under both federal and state law with no success. This is my second complaint because the last answer received from XXXX did not address my main concern in my first complaint : VERIFY THE DEBT AND PROVIDE AN ACCURATE BREAKDOWN OF THE AMOUNT THEY ARE SEEKING! They simply stated that hey have provided verifications they received from the debtor. I have received the following in the mail from XXXX in my plethora of attempts to understand the amount they are seeking : 1. A billing statement from XX/XX/2019 2. A billing statement from XXXX of 2019 3. A billing statement from XX/XX/2019 These three random statements do not provide a breakdown of fees, interest, and principal balance ( or any other fees ). XXXX has also NOT provided the credit card agreement, any documents that bear my signature, and other assistance I have requested. There is no way possible for me, the consumer, to breakdown the figure of {$3200.00} to determine the validity of the amount.
I am requesting, once again, a complete and accurate breakdown of this amount. It is clearly apparent that XXXX and their associates do not have this information in their possession. I am the individual consumer and I am at a huge disadvantage to solve this problem.
I will be contacting U.S. Senator XXXX 's office in the morning to seek her assistance on this matter. XXXX 's last response was farce. This glib response was not only tolerated by the CPFB, but the compliant was closed out? Unacceptable and shameful.
12/01/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
17267
Web
Older American
My XXXX bill was due by XXXX XXXX in the amount of {$71.00}. I received this bill on XXXX XXXX. I mailed the entire amount on XXXX XXXX. I also mailed other bills on the same day. On XXXX XXXX I received another bill from XXXX for {$29.00}. This was a late fee. They said they received my payment on XXXX XXXX. That is 11 days that it took for that payment to reach them. I checked my bank statement and saw that the other payments I sent on the same day, got there much earlier than the one to Comenity Bank ( XXXX bank ). The month before it only took 6 days to reach them. I paid my XXXX bill in full so I called them and asked if they could waive the late fee since I had sent the payment in plenty of time to reach them and I had paid in full. A man named XXXX, checked and said that they had waived a late fee for me in XXXX of 2019 and they could not not do another one. Another man told me that they can accommodate only one in 18 months. I told them that I could understand that if I had owed a great deal but I owed them nothing and now owed {$29.00}. for a fee that they said arrived 1 day late. I called another number on my bill and got the same response from a girl named XXXX. I asked where these calls were and I was told XXXX. I mailed my payment to Comenity Bank in XXXX XXXX, TX. I dont feel that I should pay this late fee as it was not my fault that it took 11 days to get there ( if it truly did ) and I had paid the entire amount. I would think that during these uncertain times when all the mail is slow due to the election and other factors, that they would honor my request. Its the principle of the thing. I sent it in plenty of time. I was not trying to go against their time. And I paid my whole bill.
03/23/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
CA
92571
Web
On XX/XX/2020 I sent written communication to Comenity Bank/Victorias Secret dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Comenity Bank/Victorias Secret dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, Comenity Bank/Victorias Secret sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Comenity Bank/Victorias Secret communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Comenity Bank/Victorias Secret to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Comenity Bank/Victorias Secret provided none of the above. Comenity Bank/Victorias Secret continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Comenity Bank/Victorias Secret has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. The above illegalities were committed via USPS mail.
06/30/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NV
89084
Web
Servicemember
According to a Comenity Bank ( XXXX XXXX XXXX XXXX ) telephone representative, I have been a retail cardholder since XXXX. I do not believe that my credit card has ever had a credit limit over {$500.00}. I do not believe that I have ever use the credit card to its limit amount. The credit card is serviced by Comenity Bank.
I have been able to access my credit card statements from XX/XX/XXXX to current. As of XX/XX/XXXX, the previous credit card balance was {$450.00}. The XX/XX/XXXX statement reflected a payment of {$82.00}, a fee of {$37.00}, an interest charge of {$9.00}, an available credit amount of {$77.00} and a new balance of {$420.00}.
As of XX/XX/XXXX, my credit card balance is {$430.00}. Between the billing cycles of XX/XX/XXXX and XX/XX/XXXX, I have charged a total of {$90.00} on the credit card, I have made a total of {$880.00} in payments, I have been charged a total of {$540.00} in fees and {$220.00} in interest. I believe that Comenity Bank has gotten more than the benefit of their bargain and that they are now simply making money off late fees and this is abusive.
Since XXXX I have paid a total of {$240.00} and will not pay Comenity Bank any more money as they have received more than their fair share for the amount of credit used and services offered.
I have had periods of unemployment and underemployment over the years and have not used the credit card to excess and I believe that I have paid much more than I have used.
While I do not think it ethical to pay the current amount of late fees, I tried to mitigate earning more while I address the bill however the company insists on continuing to charge late fees even if the account is closed. This is abusive and unconscionable.
05/23/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
76092
Web
Comenity Capital Bank : They continue to not process payments on time on promotional balances which causes for promotional balances not to be paid down and thus create new deferred finance charges. Bank on XXXX / XXXX / XXXX {$430.00} was paid off and it was in full so the balance reflected was XXXX . They stated it was not paid on time and processed 3 busi ness days later so they added {$290.00} in deferred interest on my account creating a balance from XXXX and PAID OFF to {$290.00} plus now interest on top of that. I work abroad 9 months out of the year and also in the reserves and they notified me since it was NOT within 5 days of notifying them, they will NOT reverse the charges which is ludicrous. When you pay in full, get confirmation from my own bank, get a confirmation email f rom Community indicating the payment was made while looking at the current live balance at that time in late XXXX XXXX , you know its " paid off '' with a " XXXX balance. '' How or why on earth should I look or anticipate any problems. I just returned from being overseas for work after numerous weeks abroad and just opened a bill this morn ing ( XXXX XXXX , XXXX ) to m y surprise. They should immediately quit these practices and since this credit card no longer can purchase any motorola products, I want this to reflect a XXXX balance like it was in late XXXX XXXX , and move forward. They always intentionally try to hurt the " little guys '' and their bullying and illegal tactics should cease! I spoke to both XXXX and XXXX XXXX and both did nothing ... Now, they want me to mail them thru regula r US MAIL, and wo n't give me any EMAIL. XXXX XXXX XXXX
02/12/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
VA
23146
Web
Older American
In late XX/XX/XXXX I purchased 4 cobalt blue plates from the XXXX XXXX XXXX XXXX XXXX store for approx {$32.00} on my XXXX XXXX card. I did not receive an invoice until XXXX which would have been the 2nd invoice for this account. When i received this invoice it had on a late fee already. I called Customer Service and the woman I spoke with told me I did not pay the first invoice mailed to me. I explained i had not received a 1st invoice only this one. She said she would credit the late fee if i would send the amount owed of which I did ... ... {$35.00}. That check was sent and cashed on XX/XX/XXXX. This is now XX/XX/XXXX and I've received another invoice for {$100.00} which is solely made up of late fees. I spoke to XXXX on XX/XX/XXXX in customer service and she explained that since my check was 2 days late I was being assessed a late fee for XXXX and now another late fee for XXXX bringing the bill to {$100.00}. I refused to pay late fees for something I've already paid in full for. I spoke to XXXX, supervisor ; spoke to XXXX 's supervisor ; and than XXXX in Past Due Dept. All of them have told me that they will keep assessing late fees until I pay them. I think this is blackmail. How can you keep assessing late fees for something that has already been paid in full. I was on the phone 2 hrs with XXXX XXXX. I told the 3rd person I spoke with that I would return the plates for a refund and then I don't owe anything. She said that wouldn't make a difference as the plates were paid for ; however, I was getting charges for the late fees. This makes no sense to me. This should just be written off, of which they told me their computer only allows one write off ... ... does the computer run the company?
01/07/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CA
90503
Web
I borrowed {$1500.00} from XXXX XXXX for my XXXX XXXX on XXXX XXXX XXXX. By XXXX of XXXX I owed {$600.00} in principal but was charged {$270.00} for interest bringing my balance to {$880.00}. Thats almost 50 % of what I owed. Around this time I had to move out of my home temporarily due to the fires in XXXX County and the smoke affecting my XXXX and XXXX so I couldnt make this complaint at the time and since then have been just trying to survive but making payments for all of XXXX and XXXX but this companys policies are so unfair to the consumer specially someone like me who had to relocate because of the fires and now pay double the rent I was before and have a lesser paying job so cant make any big payments any more but 2 years of making payments has not put a dent in this debt.
My statement ( attached ) shows that I paid {$480.00} of only interest in XXXX.
My statement ( attached ) shows that I paid {$200.00} of interest in XXXX.
So in the past 2 years Ive paid a total of {$690.00} in interest alone and more in payments for an original balance of {$600.00} and I still owe this company {$670.00}.
This is taking advantage of a consumers situation and unfair business practice. The interest rate for this XXXX XXXX card that advertises to be interest free XXXX XXXX is 28.49 %.
Also XXXX XXXX cards set the minimum payments to an amount that pays off the original borrowed amount during the interest free period. XXXX did not do that therefore misleading me into an unpaid balance at the end of this period. Thats not customary of XXXX XXXX cards. I have other cards and have paid them off completely but seems like the situation with this one is a set up for collecting huge never ending interest.
06/25/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
93924
Web
On XX/XX/XXXX we ordered some utensils from XXXX XXXX. Order # XXXX. The order was split into two parts - Part one was {$360.00} and part two was {$79.00}. Part one of the order ( set of 20 ) was shipped out and received and then immediately returned. We have confirmation that the return was delivered and signed for on XX/XX/2019.
The second part of the order was just a set of 2 that we were going to pick up at a store in XXXX, CA. We did not ever pick these items up at the store, but were charged for them. When we called XXXX XXXX, they said we had to show the items were picked up in order to " return '' them even though they were never picked up. So the return was performed on XX/XX/2019.
I have called countless times to determine why our card was never credited for the returns. The XXXX XXXX credit card company ( Comenity Bank ) claims they know nothing about what was purchased and whether it was returned. They are just the credit card company and have no idea what's going on with the store. All they know is what the XXXX XXXX store tells them. XXXX XXXX store claims they don't know what is happening with the credit card or it takes time to get the credit or its in process. Meanwhile we are being charged finance fees.
Last month the credit card company agreed to put the charges under investigation. We received a letter delivered snail mail dated XX/XX/2019 that our investigation showed we owed the money because the returns had never been received. But XXXX XXXX shows the returned items being received in XXXX!
This is not the first time we have had an incredible amount of trouble getting credited for a XXXX XXXX return but it is getting harder and harder to get credited for the returns.
11/06/2017
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CA
94105
Web
I made 2 purchases using this card. The current amount on the first XXXX XXXX Plan XXXX ) is {$4800.00} and it expires on XXXX/XXXX/XXXX. The current amount on the second one ( Plan XXXX ) is {$1800.00}, and it expires on XXXX/XXXX/XXXX. The promotion on the 2nd purchase was NO INTEREST if I pay it off before XXXX/XXXX/XXXX ( and if I do n't - about 28 % per annum will be charged retroactively to the date of the purchase ). I have always been current on all the payments under both Plans. On or about XXXX/XXXX/XXXX, I made an EXTRA payment ( after all regular payments have been made ) with specific written instructions to apply it to XXXX XXXX only. The company refused, instead applying only {$19.00} to Plan XXXX out of the entire payment of {$900.00}. That meager allocation to XXXX XXXX is intended to assure that I will never be able to pay off that Plan before XXXX/XXXX/XXXX XXXX it would be mathematically impossible ) unless I also pay off completely XXXX XXXX. That is, the promotion that I could pay off Plan XXXX and avoid the interest charge was FALSE because the backdoor interest allocation makes sure that this will not happen unless I also completely pay off {$4800.00} under Plan XXXX. As a matter of fact, this allocation -- contrary to my specific instructions -- makes promotions on both Plans to be false and misleading. As long as I am current on all the payments, I should have an unqualified right as a consumer in an industrialized country to designate how any EXTRA payments are to be applied. XXXX XXXX should be reminded that XXXX, where it murkily operates, is not some lawless jurisdiction where fraud and misrepresentations can be perpetrated upon the unsuspecting public with impunity.
04/02/2021
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
IL
60565
Web
Today I called Victoria Secret to try to settle this account, because it has been showing up on my credit report for awhile. I didn't open this account nor did I authorize anyone that they could open this account in my name. I've disputed this account multiple times as not being mines sent police report. I see a couple of years back someone made payments on this account, but it wasn't me or my bank account. Well I'm in the process of trying to buy a home and my lender asked me to call them to try to settle just so it's not showing a balance. I called Victoria Secret and spoke to an XXXX and I told her that I wanted to speak to someone regarding the charged-off account. She then transferred me to another lady in another department that answered that she was with Comenity Bank that was so rude, condescending, and unprofessional. This is one of the reasons why I never applied for a card with this company, they're XXXX when you go in they pick and choose who they greet and assist while in store. Well the young lady asked how could she help me. I explained that I was calling regarding a charged-off account with Victoria Secret and I wanted to settle and pay it off. She then stated that the amount was {$1000.00}. I say yah don't have a payment option since it's COVID. She got snooty and said Ma'am there hasn't been a payment made since 2018, like ( XXXX you haven't paid this bill and I'm not willing to help you ). I then said I'm aware I don't like your tone and I want to speak to someone else, because you're talking to me like I'm an XXXX she laughed and said okay then hung up. This is the reason for the filing of this complaint. THIS CALL NEEDS TO BE LISTENED TO AND SHE NEED CORRECTIVE ACTIONS DONE!
01/08/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Credit monitoring or identity theft protection services
Billing dispute for services
MD
21136
Web
Returned merchandise at the store level On XX/XX/XXXX invoice return credit did not post Paid monthly bill at store level via check Check was not processed on my bank statement On XX/XX/XXXX balance showed {$180.00} did not reflect check payment On XX/XX/XXXX still showing $ XXXXbalance Late fee added to the XX/XX/XXXX statement still no credit adjustments shown Frustrated paid the {$230.00} which included the lates fee and requested XXXX to close my account On XX/XX/XXXX Received another bill for a balance of {$44.00}. That was paid even though no further purchases. Through this ordeal I have paid for merchandise I returned along with 2 late payments totaling {$88.00}.
All balances along with two late payments were paid, closed the account, frustrated and only open this account credit card because the store representative encouraged me to receive the 30 % off sales.
I called Comenity Capital Bank several times of which was transferred to several departments. I recently spoke to a XXXX representative at XXXX XXXX XXXX and she said that she would sent my concerns to the finance dept.
I am in the process of buying my third home and was informed that I have a blemish on my credit report from XXXX / Comenity Capital Bank.
You can clearly see by reviewing my credit history and banking w/ XXXX XXXX XXXX that I am a responsible consumer- I still buy my clothes from XXXX but use my MasterCard from XXXX XXXX and ALWAYS pay the balance in full each month.
I charge approximately XXXX per year with this card and NEVER missed a payment in full.
I am asking that the companies involve to reconsider removing this blemish from my credit history.
See XXXX XXXX and Comenity Bank records.
Thank you
08/14/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
WA
98252
Web
In XXXX I made a purchase on my XXXX XXXX XXXX. approx. {$200.00} for some outdoor furniture. I had a number of problems with the order, mainly there were some missing party and shipping took an extreme amount of time. I reached out to XXXX and asked to be contacted by a supervisor. The supervisor did in fact call me back and offered a discount to me for my trouble that was quickly applied to my account .The complaint is that during my purchase I was offered deferred interest as typical with any XXXX purchase Ive made when the manager got involved my deferred interest seemingly disappeared. I want to point out that every order Ive ever placed with XXXX has had a deferred interest option. I made contact with both XXXX XXXX and Comenity and both referred me to each other XXXX the correspondence typically has gone line this ..
Hello, It would be through Comenity Capital Bank that you need to work with on this.
Ask for a Supervisor there and have them put in a dispute for the financing. They may try to transfer you over to the XXXX customer care to do this, but it is through the bank that the dispute needs to be done. Only the Supervisors there are able to put in the dispute. By doing this they should be able to pull up the previous adjustment and fix this. It usually takes about 1-2 business days for them to look into the dispute.
Here is there contact information ; Comenity Capital Bank : Phone Number : XXXX Hours of Operation : Monday- Saturday XXXX EST Closed : Sundays and major holidays Take Care XXXX XXXX Solutions Support XXXX The trouble is .. the other basically says the same thing, putting me into a constant circle with no solution, meanwhile Im being charged interest every month ...
01/27/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Can't close your account
KS
66062
Web
On XX/XX/2019, I received a bill in the mail for my deceased mother from XXXX. My mother died on XX/XX/2019.
The bill is for {$8.00}. It shows a {$4.00} payment was returned on XX/XX/2019. Her checking account was not closed until XX/XX/2019.
In addition, I tried to phone them this evening to advice them she is deceased and to close her account. I called around XXXX and spoke to a person named XXXX . When I called her to say I was needing them to close the account because the cardholder was deceased, she claimed she was having phone problems and told me to hold on. Then the call dropped.
I tried to call back, received their automated system, but when I asked the system to transfer me to customer service, it left me on a dead hold. I finally just hung up and decided to submit the death certificate to your office and to get an explanation why the {$4.00} was returned on XX/XX/2019 according to the statement. As stated before, her banking account was not closed until XX/XX/2019, and at the time of closure, she had over {$1500.00} in the account. On XX/XX/XXXX when the check was returned, she had over {$1700.00} in the account. I know this because I had tried to close out the account earlier to pay for cremation expenses, but I had a difficult time getting them to accept the pending unofficial death certificate. That is a completely separate complaint against XXXX XXXX that has been filed with your office, the attorney general of Missouri, the Missouri department of Finance, and the Federal Reserve Bank.
I need written verification that the account has been closed. And I need the CFPB to figure out why they put down a returned check for {$4.00} well before her account was even closed out.
10/26/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
MI
48348
Web
Older American
An individual who describes himself as " Mr. XXXX '' of XXXX XXXX keeps calling my daughter both at her home and at her work place and refuses to stop calling even after she has advised them that I do not live at that place, nor do I work at that place and that I do not receive telephone calls at the numbers that " Mr. XXXX '' is calling. When my daughter does answer the phone, and after she tells the caller that I do not live there, that the phone number is not my telephone number, the caller nevertheless tells her he is calling regarding a debt and that I must return his call immediately. When she does not answer the call, he leaves a voice mail message that identifies me by name and leaves the following message on her voice mail ( the message below has been forwarded to me by my daughter from her smartphones translation of the voice mail ) They call my daughter at her home at least twice every day.
" This message is for XXXX ( last name appeared in the voice mail, but has been removed by me ) and relates to your business with XXXX. Itwould be in your best interest to call me with the name of your attorney and their phone number. If you're not being represented by an attorney. I highly recommend that you contact me directly so we can discuss your situation and the options that are available. I will be in my office today until XXXX XXXX Pacific Standard Time and I can be reached at XXXX extension XXXX. If I do not hear back from you today XXXX I'll have to assume that you have no intention of contacting my office and I will proceed with actions that will directly impact you. Once again my phone number is XXXX. '' ... more. Please listen to your voicemail for the remainder of this message.
08/14/2018
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
NJ
07010
Web
I have an XXXX XXXX credit card that had a credit limit of XXXX. I make my payments on time and today I received a letter that they decreased my credit limit to XXXX, ( My balance is XXXX ) and XXXX to use. They have done this to me on another account I never used, it was a XXXX account with a {$250.00} limit. and a XXXX XXXX card, that I paid off and hadn't used in a few months. The credit limit was XXXX and they lowered it to {$100.00}, again another ding. I never used the XXXX XXXX card and they lowered the limit to XXXX. So it had an impact on my credit report. This new XXXX XXXX decrease will also affect my report. They told me it had something to do with something in their contract that they can lower the limit at any time, based on my credit report. The report they are using is from XXXX. It's already XXXX and my credit score was less when I first received these cards years ago than it is now. However, 4 other cards that I never used, they closed them, and that did not ding my credit report. How do they get away with this?
Why am I know getting penalized for patronizing a store and paying my bill on time? I spoke to a " Credit Supervisor of XXXX. His name was XXXX ID # XXXX. I asked for the name of the Chairman of the Board but he refused to give me that information. What kills me is that they report it to the credit bureaus with absolutely no reason for the decrease. What are my options to alleviate this, I think I only have three XXXX cards left the others issuing banks alert me if I haven't used a card they will close the account ; that is fair! I understand that and it's not a negative on my report. I can understand not giving me an increase but to decrease it, hurts my credit.
11/04/2021
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
PA
19111
Web
Servicemember
My niece XXXX XXXX needed me XXXX XXXX to cosign with XXXX XXXX Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX. When I closed the account XX/XX/2021, the Rep at XXXX stated my niece will not have any problems continuing to make the payments.
As you know the COVD came and many things were going on in banks, losing workers etc. My niece had trouble making several of the payments this year. For the last 6 or 7 months, each time my niece or I spoke to a Rep, we would both either get hung up on, transferred and the phone got disconnected. They refused to let us speak to any supervisor when it was requested. Me and my niece called individual times. As a result of poor Customer Service, giving misinformation or no information at all. My credit report changed from XXXX to XXXX. I received letters from my credit card card companies canceling my credit card. I can not refinance my house or even rent a XXXX. Because my niece was having problems with her bank and XXXX so the payments were late. THey never told me nor my niece about the COVD hardship that could have resolved all our problems and my credit report would not be damaged. I tried to call today and from XXXX to XXXX. I called 7 times. Spoke to 7 people who I either hung up on me, transferred me than the call dropped. This is not fair. My niece is not knowledgeable in finances so I never knew what she was going thru until I received my credit report showing a drop from XXXX to XXXX. And it dropped even lower. Every Rep refuses me to speak to a Supervisor. They refuse to give me a direct number to the hardship dept and everytime they transfer me. The call drops. This is not fair. I had perfect credit. Now my life as a XXXX XXXX is destroyed.
03/27/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a credit reporting company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
PA
19086
Web
Comenity Bank sets consumers up.
The company 's agent told me in the past that they already set up automatic payment for me in their system with my debit card. But they did not.
So this time, when I traveled internationally to a country, where the internet is of limited access, to handle a family health emergency in early XXXX, I was completely ruined by this vicious company.
To begin with, I was not informed of the card balance, which was only {$30.00}. This balance is completely within my payment ability. As long as they reached out and let me know, I could have made the payment right away.
Instead, this company intentionally kept me unaware of this balance while I was out of the country for over a month. This resulted in me paying {$66.00} of late fee and penalty charges. Moreover, this resulted in a significant hit on my credit, which is completely unacceptable.
When I reached out to the company in XXXX when I came back to the country, the company 's agent told me that they are going to charge me late fee no matter what - since this is the way they run their business. They told me that they are not going to include this incident in my credit report - my credit will not be negatively influenced, as I was traveling out of the country.
However, two months later, my credit was still hit by this. Comenity did not deliver their promises. When I confronted them about this, they now say that they can't do anything about it and I can only report to CFPB.
This company is really dishonest in the way they conduct business and should be shut down.
As such, as an innocent and uneducated American consumer, I ask for CFPB 's look into this case and help me fix the credit issue. Thank you.
09/30/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
IL
60657
Web
We received this credit card when we went to purchase our car in XXXX of XXXX. It is through Comenity Capital Bank and XXXX XXXX XXXX. It was a promotional deal for a downpayment.
On XX/XX/XXXX I set up our payment method as our bank account and set the automatic payment date to be the date of the first payment due, XX/XX/XXXX.
On XX/XX/XXXX I realized I was never charged. I went to my email to check to see if I received a notification of an error. There was nothing.
I logged onto the account and saw no notifications of any kind. So I went in to the bank account information to double check everything was correct. It was. So I set up a new payment to go through on XX/XX/XXXX.
That payment went through. When I logged in again to view the first statement I saw a {$28.00} fee for " Returned Payment ''. I was confused and reached out to support to ask why I was charged this fee. They informed me that I had cancelled a payment which incurred a fee. I explained to them that I never cancelled a payment and that I contacted my bank to see if they had returned a charge and they informed me that they saw no charge on my account except for the charge on XX/XX/XXXX.
So I responded and told them it must have been an error with their system. Their response was to tell me my account was suspended since a payment was " returned ''. So a different response and still no refund of the fee.
I responded to tell them I was confused as to how they were handling the situation and why, if a payment was returned or cancelled, I had not gotten any notification via email or phone. I have not received a response but I am very angry because I feel as though they are charging fees for nothing and that is fraud.
01/24/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NJ
08060
Web
XXXX XXXX I purchased a shower curtain from XXXX XXXX. On XX/XX/XXXX at XXXX When the item came in it was the wrong color and curtain. I tried calling customer service and was on hold for a very long time. On XX/XX/XXXX I email customer service at ( XXXX ) told them I received the wrong curtain they sent me a fedex return authorization and was told a credit will be issued in full merchandise and shipping total is {$29.00}. On XX/XX/XXXX I tried calling again to speak with a live person and was on hold for a very long time. they are charging me fees of {$26.00} for a wrong item that was returned.
I did not pay anything becuase the item was returned and waiting for the full credit on the next statement which never happened..
XXXX XXXX did not credit the shippling or tax like I was told. I got a late fee of {$25.00} which is more the what the shower curtain was and interest of {$1.00}. I spoke with XXXX XXXX customer service today XX/XX/XXXX at XXXX the women told me she is issuing a credit on the shipping. I asked customer service at XXXX XXXX to contact the credit card on my behalf and help and they said NO. I Contacted Commenity Bank-XXXX XXXX told me she would issue a one time credit on the interest and late fee but I still have to make a payment. WHY??? If they issue a credit and XXXX XXXX issues the credit the balance is XXXX. This is not right or fair... This was not my error this was XXXX XXXX error in shipping the wrong item.
If the item was sent in error I should not be.penalized for this. Something needs to be done with these credit card campanies and their high fees.
This was the first and last time I shop at XXXX XXXX on line.
Customer service is poor and no help.
Thank you
06/19/2020
Yes
Money transfer, virtual currency, or money service
Debt settlement
Unexpected or other fees
IN
46062
Web
Older American
In XXXX of XXXX I purchased XXXX XXXX on a 18 month no interest plan through Comenity Capital Bank. Through electronic transfer from my checking account to Comenity Bank I paid {$220.00} per month starting on XX/XX/XXXX and ending with a final payment of {$200.00} on XX/XX/XXXX. I received a call from Comenity in XXXX of XXXX that I had missed a payment and that I needed to send a check for {$200.00} to resolve the issue.
I failed to notice that they continued to take {$200.00} each month for the next nine months. I don't mean this as an excuse, but I had just lost my wife of 57 years and was in the process of selling my house and just failed to catch this. When I discovered what they were doing I put a stop to it through my bank. Comenity continued sending me monthly statements adding fees and charges.
I finally decided to get them off my back and, through one of their supervisors settled by credit card for {$280.00}. The supervisor told me the reason for all of this was I hadn't made the payments for XXXX and XXXX of XXXX.
I did some further research and found proof that I had indeed made all of the payments and that they had unjustly charged me a total of {$2100.00} including fees and interest.
I wrote to them on XX/XX/XXXX, of XXXX explaining this and asking them to return my money. I got a letter saying they were researching it but never got an answer to my request. I wrote again to them in XXXX of XXXX and included the cancelled checks proving that they did in fact receive the payments for XXXX and XXXX.
They responded that to much time had elapsed and therefore they were denying my claim.
I am Forwarding all the documentation for your inspection.
Thank you so much.
XXXX XXXX
12/02/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
60428
Web
I fell behind on my XXXX account with Comenity Bank at the end of 2017. I called to setup arrangements to bring the account current. They were taking payments every two weeks out of my checking account, still charging me monthly late fees and reporting my account as missing payments. I even made additional payments on top of the ones that they had scheduled, only to see no positive results in lowering the balance, for it was all eaten up by continuing late fees and increased interest rates. So basically I was paying them to charge me fees for the next three months, while adversely effecting my credit score. I was fighting a losing battle, while losing lots of money in the process. This never brought my bill down, or current. It was just their way of penalizing me for falling behind on my payments for a period of time, before allowing me to pick up where I left off ( which is what I initially asked them to allow me to do. So, I went from owing approximately {$800.00} to nearly {$2100.00} to date. They currently have my minimum payment due at {$530.00}. I send them {$50.00} a month which basically cover the monthly {$35.00} late fee and very little of the interest charged on this account. The balance gets higher every month & they are constantly reporting my XXXX account negatively and as unpaid each month. Theyve also gone in and closed other store accounts that I had through Comenity Bank, that were in good standing and paid as agreed, thus causing my credit scores to lower even more. I need to get out of this bottomless pit situation. At this rate, I will never pay them down and I will continue to see my credit scores drop. I need an arrangement that will result in closing out this debt.
04/29/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NJ
08221
Web
Older American
I have spent approx. {$35000.00} with XXXX XXXX over the past XXXX years. I paid it off last fall. Recently they contacted me saying I owed them {$2600.00} for a table I had purchased in X/2016, that they state they mistakenly credited my acct. for. The person who called me ( I believe XXXX XXXX ) said " they could not and would not bill me, unless I consented '' .I reviewed my records and could not find evidence of a credit. I called and got voice mail and left a message that I did n't agree with they 're claim. I never heard back by phone or in writing. Several months ( approx.4-5 ) later, I got a letter from a collection agency ( XXXX ), stating I owed the amt. I sent a letter ( to XXXX ) disputing the claim with my supporting evidence. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) sent me a letter and a " revised audit of my purchases ''. The letter suggests I contact her to " discuss any discrepancies and/or payment arrangements ''. I called her twice on XXXX and XXXX and left messages on both occasions and did n't hear back. The " revised audit '' I believe is insufficient as it is not the original credit bill ( s ) I received and there are inaccuracies on it ( delivery dates ), that make the document uncredible. I have excellent credit and I am very disgusted with this issue. At this point, I am prepared to have them pick up the table rather than give them more money. I think that the unresponsiveness by their representativ e is purposeful. I take seriously the threat to my credit. If there are ORIGINAL Comenity ( the credit card company ) statements like those I received that support that a credit occurred then I might reconsider my position.
09/19/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
WI
53593
Web
This relates to an XXXX XXXX card. I called in and spoke with a customer service representative to payoff the balance on my credit card. He paid the balance in full. I thought that the balance would be XXXX and the last statement I received would reflect a XXXX balance. I received a statement but didn't open it as I had paid the balance in full. I later opened the statement and it showed a minimum interest fee of {$2.00} owing. I called XXXX to determine why this would be, while going through the queues I was informed my account was in collections. The representative told me the {$2.00} balance was interest owing ( even though the statement shows a fee charged of {$2.00} for a minimum interest charge ). She indicated the balance is now {$14.00}. I asked what for and she indicated fees and interest. I asked her interest on what and she said the balance ( which is fees and interest and to my knowledge you can't charge interest on fees or capitalize on current interest ). I told her they can't charge interest on fees and she indicated that yes, they could. I asked to speak with her manager. After she spoke with her manager, she came back on the line and told me they would waive the interest this time. They indicated the account would reflect a XXXX balance and I asked them to close the account. I am concerned about this having reflected negatively on my credit report. I also am concerned that they are operating with deceptive practices. When someone calls to pay off the balance on their credit card, they should expect that the full balance and interest to that date will be paid. They should not continue to be charged a minimum interest charge fee or be charged interest on interest and fees.
12/05/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
PA
19125
Web
Dear CFPB, I am writing regarding the predatory lending practices of XXXX XXXX and Comenity Bank. We made furniture purchases there under their XXXX month interest free which was heavily promoted by the staff at XXXX XXXX. We have been making regular payments to our account and have actually continued to support the company. Last month we realized that Comenity added large amounts of interest to our balance. Approximately {$3000.00} to be exact. When I called to speak to them about it, they noted that their program is actually a deferred interest program NOT an interest free program as is promoted by them and in the stores. This means that they take the interest accrued over the past XXXX months ( calculated on the original balance even though payments have been made ) and add a lump sum to the account. I spoke to a supervisor at the credit card company for a long time to address the issue. I actually made a payment for the balance on the goods I purchased in FULL ( A ~ {$5000.00} payment ) while on the phone with them. The supervisor understood my concerns because it is an issue they are faced with often since most consumers are mislead to believe they are entering a typical interest free agreement. The supervisor escalated the issue as a dispute to Comenity Bank. I have now received a letter from Comenity Bank stating that they will not forgive these interest charges despite the fact that they are misleading consumers at the time of purchase and are making minimal effort to clearly inform the consumer of the consequences of this particular plan. I am writing to CFPB so that they may address this issue and help other consumers from falling into this same trap.
Thank you for your time!
10/14/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
GA
30738
Web
Older American
I have a bill pay program through my bank that I have been using for years. The credit card that I am having a problem with I obtained through my XXXX XXXX office to pay for my XXXX XXXX.
Using my bill pay program through my personal bank, I have the option to put the payment on autopay. The bank automatically sends my payment out to be received by the biller the same time every month for the same amount of money. I currently pay {$200.00} a month to arrive by the XXXX of the month. I have been making payments to this biller for a couple of years with no problem. Since I pay my bills using my bank, I can get printouts of my payments if needed. If the payment date falls on a weekend or holiday, my bank will automatically adjust the date to have the payment arrive on time. I have not had a problem with this biller or any other biller I pay using this program until two months ago. From the credit card company I got a larger minimum payment amount and a {$40.00} late fee. They stated the payment was 9 days late. We had a 3 way conference call with my bank and they only agreed to remove {$15.00} of the late fee. The bill I received this month shows they put the {$15.00} back on the statement and charged another late fee for the bill being 6 days late this time. When I call them they have no explanation as to why this is happening. I told them nothing has changed on my end so why are these problems happening now? They don't know. I changed the due date on my bill pay program to the middle of the month to arrive, I hope, by the first of the month. I can not resolve anything with these people and would like to know what I can do at this point. I don't want my credit messed up because of this.
08/04/2020
Yes
Checking or savings account
Other banking product or service
Closing an account
Company closed your account
MI
48867
Web
Older American, Servicemember
At the end of XXXX I was notified that XXXX acquired XXXX XXXX XXXX from Commenity Bank. XXXX even sent me a credit card when they had acquired XXXX XXXX XXXX. It said I could start using the card immediately so I went to use the card and it said it was not valid! So I spent over two hours on the phone with both credit card companies. First I talked to XXXX at XXXX XXXX at XXXX. I talked to XXXX and XXXX, where I was escalated to a supervisor, XXXX ( sp? ) Then I was transferred to XXXX, a MasterCard System supervisor, then to XXXX, Senior Account Specialist, who stated they had no clue why I could not get a card. I have been a card holder since 2007. NEVER been late. Only owed {$280.00} and was actually paid ahead. They stated that it looked like I had " fallen thru the cracks. '' Then I was transferred to an Account Specialist named XXXX who encouraged me to send a certified letter to the CEO XXXX XXXX at Commenity Bank XXXX XXXX XXXX XXXX Oh. XXXX which I did. Then on XX/XX/XXXX I received a form letter from " Customer Care team '' stating they had received my complaint and to give them 90 days. Then on XX/XX/XXXX I get the EXACT same letter from the same place, the same complaint #. So I gave them 90 days and sent another certified letter signed for on XXXX at XXXX XXXX. saying your 90 days are up, what in XXXX is going? Instead on XX/XX/XXXX they sent the SAME exact form letter to me and telling me to give them another 90 days!!!! I just recently applied for a loan that my credit score was XXXX! Higher than 67 % of the people in the country! This is ridicules! There is NO justifiable reason to not transfer my account and I was NEVER given the reason. Which I am entitled to ....
10/22/2019
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MI
49740
Web
On XX/XX/XXXX I made 3 purchases at Ann Taylor/Comenity Bank, XXXX XXXX XXXX in New York. The total was for XXXX and they were offering a promotional deal if you opened up a Mastercard which I did. In XXXX some time I received an angry call from a woman who left no details but talked about having my attorney contact her. I called her to see what this was about and she wanted my personal information stating that she could not release details without my personal information. I thought it was a scam so I did nothing. I kept getting more calls so decided to investigate further having no idea what this was. I finally got to XXXX XXXX ( XXXX ext. XXXX ) on XX/XX/XXXX who explained that I had not paid my bill for my purchases in XXXX. I apologized to him and informed him that we were transitioning to a new home in a rural area and were having significant difficulty getting our mail delivered/forwarded. We had to involve the XXXX XXXX XXXX as well as the local police for stolen medication from our mail box. I told him I wanted to settle this immediately so he stated that I needed to send a check for XXXX to clear the balance. He stated that in view of my wanting to make good on this debt and given the circumstances with postal issues he could wave some of the late fees. A check ( # XXXX ) was sent to them immediately and cashed on XX/XX/XXXX. The following month I received another bill from them so again called XXXX XXXX on XX/XX/XXXX. He apologized and confirmed that I had sent payment and that it should clear the next billing cycle. Again this month I received a bill for XXXX due XXXX. They refuse to stop billing me and resolve this issue so am asking for your assistance. Thank you, XXXX XXXX
04/22/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
VA
22043
Web
I have been a cardholder of the XXXX XXXX XXXX XXXX, serviced by XXXX XXXX, since XX/XX/XXXX. In XX/XX/XXXX, I received a limited time offer to receive rewards points for each day the credit card was used during the month of XX/XX/XXXX - no special purchase necessary to qualify - simply use the card each day and all purchase types would qualify. So, I signed up for the offer and used the credit card consistently during XX/XX/XXXXto earn the stated rewards. As of XX/XX/XXXX XXXX XXXX reported ( over the phone on XX/XX/XXXX ) I had accumulated XXXX rewards points from the offer.
Unfortunately, XXXX XXXX is now refusing to provide the reward certificate earned from the XXXX rewards points. They are stating that as of XX/XX/XXXX the program was transition to a new XXXX program called All Rewards. The new program is not managed by XXXX XXXX but instead by XXXX XXXX XXXX and is likened to starting over with a brand new rewards program ( per the XXXX XXXX phone rep I spoke with on XX/XX/XXXX ), i.e. no account information is transferred to the new program and a new account must be created to participate. XXXX XXXX ( phone rep spoken to on XX/XX/XXXX ) is stating that they were somehow unaware the points earned previous to the transition would not be credited to the new program.
My concern is that XXXX XXXX, who is servicing a Mastercard ( not just a store credit card ), was the entity that provided the offer in XX/XX/XXXX but is now declining to acknowledge responsibility. Per the phone rep ( on XX/XX/XXXX ) all my points are no longer accessible. I feel that XXXX XXXX 's actions are dishonest and unlawful and that they should be held accountable for defaulting on the offer they endorsed.
01/07/2022
Yes
Debt collection
I do not know
Took or threatened to take negative or legal action
Threatened to sue you for very old debt
GA
39854
Web
I have been receiving threatening calls about a debt I have no knowledge of. Repeatedly they have called me and when I ask who they are they refuse to tell me and are very rude, most times they hang up. I eventually managed to speak with someone told them to mail me the information as I did not feel comfortable giving out my personal information over the phone blocked the number and later received a knock on my door from my local sheriff 's dept with a court order suing me for the debt from said collector XXXX XXXX. I am away on business and receive a phone call from my sick mother stating they have called her and threatened her as well. They then proceeded to tell her all my personal business without my consent or knowledge. I called once again and reminded them at this point I'm in litigation with them and there was no reason for them to continue to harass me or any of my family about a debt they can not even provide a statement of. Apparently this debt is over 5 years old and was bought by another debt collector from a business that is closed down. I offered on a few attempts to try and make arrangements to pay whatever I owed as long as I was mailed a statement or itemized bill. I've never received anything and even made arrangements to try to take care of this matter. They are bullying and non compliant about negotiating with me. I am in the process of being taken to court by these people due to their lack of communication and providing necessary information. I want to countersue them for harassment due to my mother 's health declining since their repeated calls which I have documented. Please let me know what I can do as this is not ethical or right for them to do this to people.
06/06/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
14606
Web
To whom it may concern my name is XXXX XXXX residing at XXXX XXXX XXXX I have been contacting XXXX for over 2 yrs now trying to get them to fix my credit report only to have them raise my score for a week and then find a reason to make my score even lower everytime I contact your company to report them. XXXX continues to create reasons to lower my credit score fraudulently. There lastest tactic is double reporting a fraudulent account that doesn't even belong to me which is children 's place which was reported {$420.00} Closed XXXX Reported : XX/XX/XXXX Which looks like it's one account reported twice but the account isn't mine and I wanted it removed off my credit report and I want my score raised to where it should be like it is at all other credit bureaus because the account they are reporting is fraudulent and does not belong to me. They are also reporting XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed This account is also fraud and does not belong to me and I want it removed from my credit report because it is fraud. My credit score should be at least 700 this company needs to be investigated because they fraudulently report and when you try to make them aware be getting outside people involved like your company the retaliate by lower your credit score. I have had this problem with XXXX for over 2 yrs and would like it resolved as I am XXXX and there false reporting g is causing a tremendous amount of stress on my life. I am considering a lawsuit if this isn't fixed as the stress is causing extreme health issues. Please help me resolve these issues with there false reporting. Also I keep asking them to add my employer which they still haven't done which is XXXX XXXX XXXX XXXX.
02/17/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
DC
20002
Web
I have a general-purpose rewards credit card for Loft stores through Comenity Bank. I have had this account for several years and have been enrolled in paperless billing since at least XXXX. According to FAQs on the Loft account website, when enrolled in paperless billing, I should receive an email when my billing statement is available in Account Center.
On XX/XX/XXXX, I made a charge for {$7.00} at an Economy Market. I did not receive an email until XX/XX/XXXX notifying me that a statement was available in the Account Center. In the meantime, Comenity Bank charged me two different late fees ( {$7.00} and {$16.00} ) for the months of XXXX and XXXX, respectively, and charged me {$1.00} in interest for each month. The same day I received the email notification that my statement was available, I logged onto my account and immediately paid the {$34.00} total balance. But I learned that Comenity Bank furnished to the credit reporting agencies that my account was past due, thus decreasing my credit score.
Because I did not receive an email notification that my XXXX or XXXX statements were available, it was improper for the Bank to charge late fees or furnish negative information about my account. Had I received a timely notification that my XXXX statement was available, I would have immediately paid the amount due. The Bank 's failure to send that notification -- in violation of their own paperless billing policy -- is the reason my payment was late.
I tried to resolve this by contacting the Bank, but they stated that they could not do anything about it, and further stated -- incorrectly -- that they were required by law to furnish negative information when my account was delinquent.
03/22/2021
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
OR
97086
Web
On XX/XX/XXXX I received a letter from Comenity Bank dated XX/XX/XXXX that my credit line was closed by the creditor due to inactivity. I had a name change in XXXX and called the creditor no less than three times requesting a new card with my new name on it. I was told in XX/XX/XXXX that my card was on the way. I called in XX/XX/XXXX because I had not received my card and I was told that my account had been closed. I asked to speak with a supervisor regarding this and was told that my account was not closed and a new card would be sent in the mail. On XXXX XXXX I called again because I wished to order something and was told that my account was closed and that I would need to use a different form of payment. Within the same week, I received a call from someone asking if I wanted to open a business line and I asked them to look in to my personal account, when I was again told that my credit line was closed. I asked to be taken off the call list because I kept receiving conflicting information on whether my account was closed or not. According to the letter dated XX/XX/XXXX, my account was in fact open until XX/XX/XXXX when it was closed for inactivity. This has negatively impacted my credit score due to the line being closed, and if I had known it remained open, i would have continued to utilize the credit line. I believe that I did not receive proper documentation regarding the status of the account, despite several requests, and I did not receive any adverse actions when my requests for a new card sent out were declined, and I am not sure why they were declined. I tired to call Comentiy today, XX/XX/XXXX to discuss this but was told it was not an option to discuss my account closure.
11/27/2018
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
WA
98686
Web
Servicemember
XXXX XXXX is the credit card issuer for XXXX clothing retailer, the XXXX XXXX card. Back in the XXXX, my son, an authorized user on my XXXX charge account, lost his credit card. I contacted XXXX to notify them of the lost card and to request a replacement. It took them two weeks to respond to the lost card communication, and they never replaced the card. I reached out to their support several times for a replacement card, and I was promised on two occasions that a replacement would be sent within 7-10 days. No card was sent. In XXXX, I lost my XXXX XXXX card, and I reached out to XXXX for a replacement. Weeks went by without a response. Finally, on XX/XX/XXXX, I received an email from XXXX saying they couldn't replace my card because they were unable to contact me. All of my telephone numbers, emails, and mailing address are all accurate, and no attempt to contact me was made by XXXX. Furthermore, they ran an additional hard inquiry credit report without my permission as a part of the card replacement process. When I told their support team I would be filing this complaint, suddenly, they became more cooperative. They indicated they would escalate my request to a manager to resolve. On XX/XX/XXXX, I got yet another email saying the issue had been escalated, and " someone '' would reach out to me within 7-10 days. XXXX XXXX is not taking customer service seriously. They are not taking lost cards seriously. They are not doing their due diligence, and customers plus retailers are suffering because of it. I've requested the CFPB to publicly post my complaint so other customers and retailers know XXXX will NOT take care of them. All I want is my lost card replaced so I can make purchases.
03/01/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
VA
20165
Web
Servicemember
I opened an account with XXXX and made a purchase under a special financing agreement ( no interest for 18 months ). I established a direct payment through my checking account and payments were being made on time. At one point ( about 15 months in ), my direct payment arrangement was cancelled ( not by me ) and a payment was missed. As soon as I identified this I made a double payment to get back on schedule. For the last payment amount of {$120.00}, I did not receive my statement and did not make the payment on the XX/XX/XXXX deadline. My next statement received was on XX/XX/XXXX, and they had charged me with the full interest of {$260.00}, plus my remaining {$120.00} balance. As soon as that was received, I immediately called and filed a claim with XXXX XXXX XXXX ( associated with XXXX XXXX XXXX XXXX XXXX ), as well as, made a phone payment of the {$120.00} final payment amount. They stated I would receive a ruling by mail, which I never did. I just received another statement with a balance of {$260.00}. I called and spoke to a Sr account manager who stated my claim was denied, however agreed to remove half of the balance or ~ {$130.00} which I do appreciate. She stated that if I had called within 5 days, they would have removed it all. I did not receive the next statement until 7 days after the due date, so that would have been impossible. They said they would need proof of payment by XX/XX/XXXX, which I already told them I did not do because of not receiving the statement. I do not feel responsible for the remaining XXXX {$130.00} balance and am looking for assistance. I have a {$10000.00} credit limit at this store, but will not spend another penny if they don't make this right.
02/20/2022
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
GA
30316
Web
I used this card and made an on-time payment for the full balance. After making the payment I tried to use the card again but my 'available credit ' wasn't actually available. The customer agent said I had to wait 7 days after my payment before the available credit became available again. I had a pressing business purchase that I really wanted on this card because of how much it saved me and asked the agent if there was any way to make the process faster. He said to send proof of the payment clearing my bank account to the their secure messaging center and it would reach a group above him that could probably make it available sooner. So I did that and that's where the problem really started. Not only did they not make my available credit available sooner, but they didn't bother to even reply to my message. Instead, they locked my account from being used at all and didn't even tell me. After 7 days passed, then 8, then 9 I finally called them about not being able to use the card still and found out they wanted me to prove who I was before they would let me use it again. This proof involved copies of bills, license, and social security card and would take up to 30 days! I said how about a passport instead of a social security card... nope. I haven't seen my social security card in 20 years. I would have to get a new one and who knows how long that takes. Despite on-time payment, despite excellent credit rating, despite assurances by an agent, despite bank proof that my payment cleared, they nevertheless decided to treat me like a criminal. I was fed up and decided I wanted to close the account... but they wouldn't let me!!! Unreal. Worst treatment I've ever gotten from a card company.
04/24/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
TX
75087
Web
On XX/XX/2018 I submitted a request for a credit line increase online with my XXXX XXXX XXXX card through XXXX bank. When I requested there was an option that had a check box which allowed XXXX to access your credit report. Below that it had a statement which reads " Please note that we can still review and consider your request for credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox ''. In order to prevent a hard inquiry on my credit report I did not select the checkbox, however a hard inquiry was still made on my XXXX credit report. I called in XX/XX/XXXX to XXXX bank and was told by the customer service rep there that I would have to dispute through the credit bureau. XXXX the credit bureau stated the only way it would come off is if it was a result of fraud, otherwise I would have to contact XXXX bank to have it removed. This morning I called again and spoke with a customer service representative who transferred me to XXXX ( ID XXXX ), She told me she was a supervisor and that although the option to not have your credit report accessed is there, it is still done anyway. She also informed me that the hard inquiry would stay on my report. I informed her at the time that this is misleading to the consumer and I would have understood a soft inquiry but would have never requested the increase if I knew it would negatively affect my score with an unwanted hard inquiry I have included copies of the actual statement that is on the website informing the consumer that they can still review and consider a request for the credit limit increase without accessing your credit report.
06/01/2019
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
WA
98589
Web
Servicemember
I've kept intermittent contact to include ordering a replacement card w/ Comenity Bank , the credit service for XXXX XXXX , over the last several years. Most recent contact was XX/XX/2019 when I received a new card based on my request filed online. I found out today, XX/XX/2019, thru the credit monitoring service XXXX, that Comenity chose to close my account due to inactivity. The reported closure took place XX/XX/2019. When I called the company the telephone prompts did not indicate any account closure, however, when I spoke w/ a representative they'd informed me that they chose to close my account XX/XX/2019, and I'd need to reapply if I wanted to have an account with them. I'd been waiting for a financially wise opportunity to utilize the card and had not had the need in the last 4 years so I'd not made a purchase - but I did keep contact to keep the account considered active as per my state 's regulations cited in : XXXX XXXX XXXX According to Comenity, simply corresponding with them was insufficient to establish activity and not have the account flagged as an abandoned account. This has cost me 4 years of credit history and a significant decrease to my credit. It is illegal in the state that governs me, Washington, which was also the state where I originally opened the account. I've not received any communication whatsoever from XXXX regarding the account closure. I was never informed formally that it was closed - it took me contacting them to find out they'd closed it. They refuse to re-open the account, forcing me to reapply which would further adversely impact my credit score ( renewed account inquiry ) and I do not believe I'd qualify to re-open the account at this time.
11/14/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NC
28135
Web
Older American, Servicemember
My original credit card was compromised so I quickly called them to cancel the credit card. A new credit card was issued and sent to me. My problem is that they neglected to cancel the old card, sending me two account payments instead of one. You have to use the automated system in order not to be charged a fee of XXXX plus dollars. The automated system would n't acknowledge the old account so I called to ask how I could solve this problem. They were very rude, telling me that I would be charged if they had to make the payment for me. I asked if they could transfer the amount over to they new account and cancel the old account, they told me yes " They would take care of it ''. They did n't take care of it and the new bills came in with the old account having gone from {$52.00} to {$80.00} and presently to {$92.00}, late fees just piling up. I called one supervisor, he said that he would take care of the problem, he did n't take care of anything. I received a call from a " XXXX XXXX '' collection agency stating that I owe {$92.00}, not allowing me to explain anything. I was extremely angry so I called my credit card people and asked for a supervisor, I spoke with a man by the name of XXXX XXXX who took care of most all the problems. I called today, XXXX XXXX XXXX, and presented the problem I have, my credit score went from XXXX to below XXXX, one is as low as XXXX and the others at XXXX, approximately. I am trying to get my house refinanced with my bank and my vehicle payment also. This creates a higher payment for both, they wo n't listen to excuses. I spoke to a XXXX, employee # XXXX, she would n't give me the name of the first supervisor 's name, she would n't give her last name.
05/25/2017
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Problem when making payments
MI
48322
Web
PayPal has no idea how their system operates : I have a {$2200.00} line of credit with PayPal but have been unable to use it. Paypal 's security system continuously denies my charges regardless if amount is {$100.00} or {$1500.00}. I have called numerous times, spending hours on the phone over the last few weeks and NO-ONE at paypal is able too provide or understand why I have been unable to use my line of credit. Paypal is in direct violation of our agreement ( contr act ) and has provided false information soliciting me to obtain credit through them. They have also damaged my credit reports by making an inquiry and adding a new account, which I am unable to use. I have literally tried everything. During these phone calls, Paypal reps have advised me to attempt different methods. I have with no success. I have even attempted with a rep on the phone who claims to have tried forcing my transaction through. There is no identity issue with me as I have always called from my phone and have passed numerous identity questions and test. Paypal simply has a security system they do NOT understand and are unable to adjust or get around. Basically Paypal 's system controls everything, and does not allow a human wether it be a PayPal rep, supervisor or someone from the risk department. to adjust. This is INSANE and then public should be aware. If you research Paypal complaints, there are literally tens of thousands, most about the same issue. I have never seen a company with more complaints. Additionally, this has hurt my business relations with others. When I purchase something and promise to send funds and this funds are denied, people tend to be wary of doing further business with you.
01/20/2017
Yes
Credit card
Closing/Cancelling account
MI
49453
Web
This is not the first time Comenity Capital opened up a credit card for me and then immediately or shortly after closed it out. XXXX XXXX XXXX I applied for a XXXX XXXX card as we are traveling this XXXX and I wanted to get rewards for my spending with XXXX XXXX. Immediately approved for XXXX. Card was mailed out and activated. I did not use it yet. On XXXX XXXX not even using the card yet, I get notice from XXXX that the card has been closed by credit grantor.
Go back a few months, XXXX XXXX, XXXX. Opened a Redicard for XXXX with Comenity ... seeing I was going to be staying at a XXXX in the near future ... about a month later, get notice that it was - CLOSED by credit grantor due to inquiries. Funny thing is, the inquiry was the one that was for the XXXX with Comenity Bank.
Same thing happened with my Comenity XXXX Visa. Approved in XXXX and then they closed the account. The only reason why I applied for the card was for the promotion that was going on. I joined the XXXX with XXXX and bought a bed, so I would get a discount. Shortly after, they closed my account and kept the fee I had to pay to join the club, as well as keeping any additional discounts I was going to receive for opening the credit card account and using the card on the purchase of the bed.
With all this being said- XXXX accounts with Comenity, in the past year, closed by credit grantor ... is a bit ridiculous. Why extend credit to me, if after a few weeks, or a month, decide to cancel. I have no late payments, or accounts in default, so I am not sure why they are doing this. I took the hit to the credit bureaus for the inquiry and immediately or shortly after they close the accounts for 'excessive ' inquiries.
06/27/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
94560
Web
XXXX XXXX Credit card payment was due on XX/XX/XXXX. I submitted the payment via bank ACH transfer on the XX/XX/XXXX. The process date was set for XX/XX/XXXX. Email was sent from XXXX XXXX that payment request has received on XX/XX/XXXX at XXXX " This is a confirmation of your one-time payment authorization made by way of an internet connection '' on XX/XX/XXXX at XXXX, they sent another email Thank you for your payment This is confirmation that your payment toward your XXXX XXXX credit card has been processed. Thank you for your timely payment.
our payment details* PAYMENT AMOUNT $ XXXX DATE PROCESSED XX/XX/XXXX *Accurate as of XX/XX/XXXX.
Apparently, the bank didn't process the payment due to the error in the account number submitted. But I had no idea at all that it happened. Based on the email sent 2+ days later, my conclusion was the payment was process on the XX/XX/XXXX and everything is good.
They charged me late fee and financial charge and they didn't notify the bank denial in time so that I can rectify the situation. They just charged the fees in the next statement and we were notified about the next statement on XX/XX/XXXX.
After discussing with the customer service, they will not accept their liability in stating they processed the payment and won't waive the financial charge. I ended up setting up another payment on XX/XX/XXXX.
They should not communicate that they processed the payment and thank me for making timely payment, only to turn around charge me without providing me any communication about potential late payment and letting me fix it before the due date.
Terrible company to work with. This is not their only poor customer service we experienced.
11/16/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
TX
77532
Web
I am reaching out in response to an account error that has impacted my credit score greatly. I am currently in the process of buying a home, so my credit is very closely monitored at this time, which is how I received notification of this error on XX/XX/2020.
In XXXX this year, I called the XXXX visa card customer service to set up automatic billing. I was transferred to another employee because the initial employee said he did not have the ability to set that up for me. The second person said she was able to set up automatic billing for me. She helped me pay my balance down and set up my payments using the card I have on file.
I found out yesterday from my credit report that the payments showed 3o+ days late as of XXXX. When I reached out to the XXXX Visa card customer care line, a gentleman let me know that the automatic payments were only set up for the following month ( XXXX ), but not set up for payment past that month. However, the employee that I spoke to in XXXX communicated to me that they had in fact enrolled me in the automatic billing, so I assumed the funds would continue to be auto-debited out of my account as they were for both XXXX and XXXX. He suggested that the employee must have " miscommunicated '' to me. On XX/XX/XXXX, I ended up paying off my entire balance because I can not risk an error like this happening again.
This error has dropped my credit score 15 points, and I am closing on my new home in XXXX, so I wanted to reach out to try and resolve this issue.
I spoke to several employees to see how we can mediate the issue, but all three suggested that they could do nothing, so I wanted to escalate the issue for mediation.
Thank you for your time.
01/15/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
AR
72034
Web
I am writing this complaint because I previously had an XXXX XXXX credit card. I mailed in my payment in full to XXXX XXXX in 2017 and a week later I received a letter from XXXX XXXX saying I owe the debt but I informed them that I had mailed the amount owed to XXXX. They told me I needed to call them because XXXX never received a payment from them. I immediately called XXXX and they stated they had not received a payment from me. I had sent them two payments on the same day. So I called XXXX back and we agreed to wait awhile but and almost two months later of going back and forth they stated they just received a partial payment from them. I then called XXXX again to inquire about the other half of the payment and they said they had no record that they received any payment for me ( which was crazy because XXXX had gotten a partial payment from them ). XXXX said they would look into the matter but no one ever called me back. After going back and forth with XXXX I just paid the remaining balance and filed a complaint with CFPB to have XXXX removed from my credit report because it should have never been put on there. They responded that they would remove it from my report and that XXXX was working to recall it from my credit. This debt has been paid in full and I would like XXXX removed from my credit report because they stated they were going to recall it to XXXX XXXX and because they state they never received a payment from me but they sent XXXX a partial payment. I dont know what they did with other payment I made to them since they quote had no record that I sent in a payment. I havent heard anything else from them and would like this resolved as soon as possible. Thank you.
01/22/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Application denied
CA
92081
Web
On XX/XX/2021, I applied online for the XXXX credit card with Comenity Bank using my current address of XXXX XXXX XXXX XXXX XXXX, CA XXXX. The application was under " submission. '' As my credit score was and is over XXXX, I immediately contacted Comenity regarding the my application. I was told that I had to wait until I received a decision in the mail.
I later received a letter ( attached ) from Comenity dated XX/XX/2021 stating that I needed to call and confirm my address. I immediately called the number listed on the letter and confirmed my address of XXXX XXXX. Also, CLUE NUMBER 1 to Comenity in verifying the XXXX XXXX address, is the FACT that I received the letter at the XXXX XXXX address and called them.
I later received a letter at the XXXX XXXX address ( attached ) dated XX/XX/2021 informing me that my application was denied since Comenity couldn't verify my address. I was instructed to call XXXX to resolve the issue and then I could reapply again. Again, I called Comenity after I received the first letter I called to verify the XXXX XXXX address.
There is no conceivable basis as to why my application was denied. I understand security and the extra protection for consumers by verifying addresses, but this was not handled properly by Comenity as I verified my address.
I can only surmise that it is discrimination based on my age, among other things, or Comenity 's ineptitude in handling this matter, or both.
I subsequently attempted to dispute the hard inquiry on my XXXX report, but Comenity confirmed the inquiry to XXXX.
Now I'm left with a hard inquiry and a lower credit score on my XXXX credit report due to Comenity 's discriminatory practices/ineptness.
04/23/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
DE
19709
Web
In XXXX my wallet was dropped/stolen while leaving the XXXX in Delaware. I had not noticed until a couple hours later credit card companies were contacting me regarding suspicious activity. It was at that time i realized my wallet was not in my possession any longer. It was determined someone was using my cards. There multiple charges at the XXXX I previously shopped at for multiple {$310.00} charges. 2 of these transactions went through on my Comenity Bank card. I notified them those were not my charges and confirmed which ones from earlier in that day were in fact my charges. My other compromised cards also removed the charges. I also contacted the police had a police report completed, and contacted the XXXX where they pulled the video footage of who used my cards. They pulled the info together to share with the police officer. As they were able to see me in there earlier purchasing a few items, and then later see someone came in attempting to use all my credit cards. I was sent a new card by comenity. On XX/XX/XXXXI noticed the charges were put back on my account that were fraud. I called and was told the investigation was complete and found I was responsible for the charges. I asked what investigation was done as if a thorough one or even a decent one where the merchant was contacted they would be able to easily see these werent my charges. I have since asked a new investigation be opened. However, feel comenity bank was negligent in their initial investigation and failed to notify us that they even put the charges back on our account. Why did no other bank have an issue determining these were fraud? I feel this was blatant negligence and violates my rights as a consumer.
01/21/2020
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
FL
34953
Web
Comenity- XXXX XXXX On XX/XX/2019, I visited XXXX XXXX and felt pressured into purchasing an item. The store manager used the " this is a one-time offer only '' and the " think about what this means for your partner '' sale tactics but I was still unsure about the item and was not ready to purchase. So, the store manager used his " I hear what you're saying/I know how you feel '' tactic and convinced me to purchase the item while I had 60 days to decide if I wanted. The store manager offered to keep the item, clean it and hold it until I decided what I wanted to do. I opted for that option because I felt safe then that I would be able to cancel my order after I had thought about it. Soon after, a family emergency caused me to be out of the state for 6 weeks. During this time I called to cancel/return the item but though the item was still at the store, I still had to be present to complete the order. I returned to home and visited the store within the 60-day time-frame to return the item anticipating no hassle. The store returned the item and credited my credit cards, one being a Comenity bank card I was persuaded to open at the time of purchase. Though the store convinced and assured me that I had 60 days to change my mind, no hassle or issues, they failed to mention that the credit card payment with interests and fees would be due within 30 days. So though the store kept the item the whole item and reassured me I had time to consider my purchase, the interests added up from Comenity Bank and they also included late fees. My bill is now {$100.00}. However, only {$28.00} in fees occurred during the time I actually own the time and this is the amount I believe is fair to pay.
07/26/2019
Yes
Debt collection
Medical debt
Threatened to contact someone or share information improperly
Contacted you after you asked them to stop
AL
35126
Web
I received a dental care from XXXX XXXX. The XXXX work I received is very horrible. My XXXX are mishaps, can't eat or chew like they stated after putting XXXX. I can't chew before hitting my bottom XXXX due to mishaps of XXXX. Also I have been charged for XXXX cleaning I never received. They have a sign stating satisfaction guarantee 100 % if u aren't satisfied they will refund. I'm not satisfied with mishaps XXXX as well as overcharging my account ( charging me for service they never done ) ( I have never heard a XXXX work charged before you have XXXX work done ) Due to the XXXX work ( XXXX ) I can't eat food need chewing, I can only eat soft meals ( billing me {$6500.00} ) constant XXXX and my top XXXX hitting my bottom XXXX ( that hurts ). I need XXXX XXXX XXXX to credit that amount back on my account. I am totally dissatisfied with XXXX work i received as well as the tactical they are using, instead of Standing on their policy of satisfaction guarantee 100 %. I AM NOT SATISFIED BUT HURTING DUE TO THIS XXXX WORK I RECEIVED FROM XXXX XXXX ( XXXX XXXX ) ALSO I LOT OF PPLE HAVE POST ON HORRIBLE SERVICE THEY RECEIVED. Also I had XXXX XXXX out which didn't pulling, they stated I needed a XXXX, till now I think that was wrong. They are after making profit. They suggested I need XXXX of which I don't have bad XXXX but they wanted to XXXX every single XXXX out but I refused. I feel like they pressured pple to have XXXX work so they can make money and charge u before they even perform any work. I will never go back. Take this horrible XXXX XXXX off my bill. Or pay for another XXXX to fix mishaps XXXX so I can chew hard food with no pain. Horrible XXXX XXXX and constant XXXX
07/20/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
CA
90018
Web
I am writing to dispute information that Comenity Bank/Victorias Secret Credit Card supplied to XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX.
Retailer account at Comenity Bank/Victorias Secret Credit Card is discriminatory in their unwillingness to grant a goodwill removal for an accidental late payment on an account that was otherwise in satisfactory standing since origination. The account balance was paid in total and automatic payment was enabled to prevent any future delinquency.
Additionally, a past due email notification that a payment was due or past due was not provided. After reviewing email correspondence received in this matter, I found that Comenity Bank ceased to provide automated payment due date notifications after XX/XX/XXXX without myself submitting any changes to the delivery notification settings that were previously enabled. I had not missed any payment deadlines in the past.
When Comenity Bank attempted to contact me by phone to collect an outstanding payment, all incoming calls from their company were reflected as a spam caller.
I've explained that this mishap has occurred at a time where I am applying for mortgage financing and they have been unreasonable in multiple requests for goodwill accommodation. This is in staunch contrast to what I was led to expect from a customer service representative over the phone in this regard.
I am requesting that Comenity Bank/Victorias Secret Credit Card have the late payment history removed from all three credit bureaus, which was reported on or around XX/XX/XXXX.
Please investigate this matter and delete the disputed item ( s ) as soon as possible, to reflect that my account has been paid as agreed.
10/15/2017
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
FL
33157
Web
On XXXX XXXX, 2016 I walked into Zales Outlet in XXXX Mall XXXX XXXX XXXX XXXX XXXX FL XXXX. To purchase a engagement ring and wedding band for my future wife. My plan was to pay cash as I had the money in my pocket to buy the ring and pay in full. The sales person that attended me was very nice and helpful about finding a ring and even helped me decide between two different ones, when it was time for checkout she asked me if I wanted to apply for a Zales card and I politely declined and stated that I was going to pay cash, she then offered me to apply for a Zales credit card again and said that if I got approved she will give me a nice discount on top of the Zales card discount, she said that there was a great promotion of NO INTEREST for the first year. It all seemed perfect so I went ahead and applied got approved and left very happy. Now a year later when I check my Zales account to see how much I owed after making over a years worth of monthly payments I come to realize that I owe more now then the original purchase price. When I called Zales they said I had 1 year of deferred interest and that after the 1st year all the interest no paid would kick in. I was in awe and felt deceived & defrauded. I tried to work something out with the credit card company ( Comenity Capital Bank ) but they refused to do anything about this, I even offered to pay my pre-interest balance in full with maybe a few months of interest and they also declined. The person at the store never said anything about deferred interest and they promote the card as interest free for one year, because they get bonuses for selling this. Please help me if possible and stop these people from defrauding others.
08/14/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TN
37303
Web
On XXXX XXXX I received my XXXX XXXX statement and was irritated to see a balance of {$29.00} because I pay the card in full every month and knew I should not have a balance. I reviewed my online account and learned that amount was for " late fees '' and " interest. '' I called and was told my payment was processed after the cutoff time for payments so it posted the next day and therefore I was assessed the fees and interest. On the day I received the statement, XXXX XXXX, I made an online payment in the amount of {$29.00} to pay the late fees and interest in full. I contacted customer service and asked that my account be closed immediately. I received an email confirmation that " per your request, I have closed your account. Your current balance is {$0.00} ... '' Today I received a statement saying I owe a " minimum charge fee '' and that a " monthly billing statement will be sent until the balance is paid in full. '' I do not find in my disclosures any reference to a minimum charge fee. How can such a fee be charged on a closed account? Customer service states this is a normal fee assessed for producing a statement. How can additional charges be assessed after a company confirms in writing that your account is paid in full and closed? I have attached a copy of the statement in question as well as the email from the credit card company confirming the account was previously closed with a XXXX balance prior to the statement being produced. It is my desire for this account to be closed, for the subsequent fees after my closure request/confirmation be removed and to receive no further information from this company ever. Can you assist with that? Thank you so much for your time.
03/06/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
SC
29407
Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.
I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
08/19/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Add-on products and services
GA
30028
Web
Servicemember
I have paid for the Account Assure protection program on my Lane Bryant retail card issued by Comenity Bank since XX/XX/XXXX.
XX/XX/XXXX I was informed I was being involuntarily terminates from my job. My official date of separation was XX/XX/XXXX.
I asked for information to file a claim for unemployment to help cover what I owed on my Lane Bryant card. I was told I had to wait 30 days of being unemployed to file a claim. On XX/XX/XXXX I filed the claim for unemployment.
I was then asked to submit a form signed by my employer verifying I was involuntarily terminated, which I did on XX/XX/XXXX.
Next I was asked to submit either verification that I am receiving Georgia unemployment benefits or if denied unemployment, verification that I registered for an approved job board. Nowhere available is this list of what an approved job board is. I submitted proof that I signed up for XXXX Georgia ( as required by Georgia DOL for unemployment ) on XX/XX/XXXX.
For several weeks, XXXX XXXX told me by phone and mail that it wasnt sufficient to complete my claim, but they wouldnt tell me what was needed to fulfill their requirements.
Finally on XX/XX/XXXX, I submitted a letter with my documents stating I would report them to CFPB and the XXXX if someone didnt contact me to resolve this. They said on XX/XX/XXXX they were reviewing my claim and it would take 7 business days. It is now XX/XX/XXXX, nine business days later, and they have not resolved my claim. In the meantime, I am unemployed, accruing interest and struggling to pay the minimum on my account balance.
What is the point of my having paid for this account protection if I can not use it when I desperately need it?
11/02/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MT
59102
Web
I paid my account monthly like I always do in XXXX and XXXX to Victorias Secret comenity bank. I Received a payment reminder in XXXX that the account is current and the minimum payment is due. Everything on my statement said my account was current. I received a phone call XX/XX/XXXX stating I haven't made a payment since XXXX. The electronic correspondence said nothing being past due. I Called to find out what was going on and the payment I made in XXXX was trying to pull from a bank that was not mine. I have no affiliation with XXXX XXXX. Therefore I would not receive a phone call from my bank to let me know because this bank is not mine. If any problems happen with my bank, XXXX XXXX, I would be notified. The person who took my phone call also thought this was odd and probably a mistake on their behalf and was going to put it into a dispute status. She never filed. I called to find out status of the dispute and the gentleman said it was removed and they would credit a late payment. Went to check my report 15 days later and it was not removed. I submitted another dispute. At this moment I have tried to dispute this 3 times and this last time actually made my report worse? They removed the 60 days past due in the second dispute and it reappears on the status today. This is an error on comenity banks behalf and there was no correspondence That my account was late. All correspondence up to XXXX statement said the account was current. I want this off my credit report for I find no error on my behalf. I was told on the first dispute it would be removed. After it was not as promised I have disputed three times. I have been trying to work on this for almost 75 days! Please help!
10/15/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
CT
06897
Web
This complaint is a continuation of my initial complain ( complain # :XXXX ) about XXXX XXXX. The bank keeps sending me letters confirming that they approved my dispute but they do not want to allocate proper credits to my credit card. They issue credit in the disputed amount of approximately, {$1600.00} under the revolving transaction history but also, at the same time, they add debt in the same amount of approximately, {$1600.00}, which zeros out the deputed transaction. When I called and spoke with the account supervisor, XXXX, since the dispute department does not have phone number, she reviewed the account and confirmed that this was an oversight on XXXX XXXX / XXXX XXXX end and that it will be addressed within 72 hours on my statement. 72 hours passed and my credit card statement did not change. I called again on Thursday, XX/XX/11 and spoke with another account supervisor, XXXX, Employee ID # XXXX who was arguing with me over the phone for more than 20 minutes, very rude and condescending. When I asked for proof of receipts for the fraudulent debt referenced above, she was not able to answer my question. I told her that, initialy, after i returned unwanted items with XXXX XXXX, I should have received a credit for approximately {$1600.00} not only under revolving transactions but also the plan ( back then, plan # XXXX ) should have been closed.
The plan was closed but they refusing give me proper credits to my credit card statement. I am the account holder, so they have no right close this case without providing explanation and additional information as to why they fraudulently, without my authorization, charging my card in the amount of, approximately, {$1600.00}.
10/01/2021
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Application denied
FL
34117
Web
Servicemember
I went into XXXX XXXX on XX/XX/2021 to buy my wife a birthday gift. The store offered me a card for the purchase but I thought I already had one. When she confirmed that I did not already have a card I agreed to apply for their card. She did not give me an application to fill out but had me enter my social security number on an XXXX. She said I was approved and I purchased the item for {$510.00}.
Today XX/XX/2021 I received a declination letter from Comenity on behalf of XXXX XXXX. It says I was denied due to my debt to income. It also states that my credit score was XXXX.
First I was not aware that an application was sent to multiple banks and that I had been denied and second I was never asked for my income for the application. They only obtained my social security number. I was not provided a copy of the application, I was not asked to verify my info, I was not informed that my credit would be pulled by multiple financial institutions, I was not provided any disclosures or any information.
I called XXXX XXXX and I spoke to the manager XXXX. She was very unhelpful, seemed unaware of how the credit process worked and claimed to not know what exactly is entailed when applying for one of the credit cards. I asked for a copy of my credit application and she stated they don't have them and can't help me.
I also called Comenity bank and they told me I would have to submit to them a letter in writing and mail it for a copy of my credit application or anything related to the credit inquiry.
No one is willing to help but they had no issue submitting my credit to multiple banks. They should not be offering credit services if they don't know and understand how it works.
03/06/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NC
27407
Web
I sent ComenityXXXX credit card company a Goodwill letter after being advised to do so by customer service. When I spoke to customer service I explained exactly what happened and she said that she could see exactly what I was talking about and that I definitely should dispute the report of the 30 day late payment on my credit report. She recommended I write a letter saying it was my fault and I was truly sorry for the mistake. She said I would have better luck pleading for forgiveness than challenging them. She said If I had any way to remove it myself, I would. I can see how unfair this is to you. I did what she said to do and wrote the letter. ( Although I had already filed disputes with all 3 credit bureaus with the actual facts and mistakes they made. Those disputes were denied. She said it was because I challenged them. So, I tried her way. It was still denied. I am unable to speak directly to anyone who has authority to make corrections on my account. I feel as if every customer service representative I speak with looks at the information and clearly sees the mistake, but theyre unable to change anything. Only the people who hide behind letters without any conversation with me are able to correct the mistake? They just deny my dispute with a generic letter. It is the one and only late payment on my credit report, ever. It is unfair. Ive put so much of my time into this, just for the sake of fairness. I doubt it hurts my credit score, but the point is that its that they made the mistake, not me. Its wrong. I feel very helpless and alone going up against a large company. I feel unheard, as if I dont matter. Ive filed multiple disputes over the years, they dont care.
08/29/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
RI
02840
Web
This is a complaint under the special rule for credit card purchases which is now supposed to be enforced by the CFPB. On XX/XX/2018 I was charged {$1500.00} for merchandise ordered from XXXX on the charge statement it is listed as XXXX XXXX XXXX Ohio XXXX Number XXXX, XXXX {$1500.00}.
Unfortunately all of the merchandise arrived with DEFECTS that were either present immediately or surfaced over a month or so. The children 's kitchen play set gave off noxious fumes that could not be corrected even when we placed an air cleaner in the room with it and ran it 24 hours a day.
The rug was frayed along the seems and was unraveling.
The patio furniture, once assembled and placed in use began cracking ( if you weigh XXXX pounds, you should be able to sit in a patio chair without have the wood it is made from split ) The bureau which was not as described and was made of particle board arrived without knobs and the finish has since started deteriorating as the particle board flakes from moisture ( this was at a humidity level of 61 % ).
The table is also a veneer and the veneer is bubbling.
I have attached photos of these.
I have tried without success since the original defective merchandise arrived to get the company, XXXX to make this right, In the latest round they told me the " best they can do is offer me {$250.00}. '' Further a prior complaint to CFPB was completely mishandled as CFPB failed to do their duty and enforce the Special Rule for Credit Card purchases which is specifically designed to protect consumers like me from unreasonable retailers who sell defective goods and are deceptive in their descriptions of those goods and unwilling to fix the problem.
02/17/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
FL
33069
Web
Back in XX/XX/XXXX/XX/XX/XXXX, XXXX invited me to open up a credit card with them for a {$40.00} gift promotion. Never mentioning the name of the bank or their background/reputation. So I did a credit card account with them. 3 months after opening my credit card, I noticed that my bill was not going down when I was paying double the minimum monthly payment. I contacted XXXX and they told me that I had to contact XXXX XXXX who was hiding behind XXXX. I tried to close my credit card account immediately, and finally 2 months later on XX/XX/XXXX, I received a letter stating that they have closed my account. So, I requested that they transfer all of my payments over to my debit card, the way I have been paying XXXX with their XXXX payment option for over 6 years. My last payment to XXXX was in XX/XX/XXXX and now my account with XXXX is paid in full. Now, XXXX is stating that I owe them, and they are trying to ruin my credit. They managed to put the credit card balance through my XXXX account and I had to close my bank account so they don't rob me. I have proof showing that I have paid XXXX in full. The bank is currently claiming that I owe them {$500.00}! They are a bunch of thieves. Look at their reviews to prove it. I have contacted the XXXX as well XXXX. They have advised me to contact you as well. I would appreciate it if you could provide me with any assistance/advice. Attached you will find the XXXX cancellation letter I received, the emails I sent them requesting to cancel my credit card account and transfer my remaining payments to my debit card, my last check payment I made to XXXX, and my XXXX XXXX XXXX statement showing that my account is paid in full.
Thank you
01/28/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
OH
43138
Web
Servicemember
I applied for and was approved for a Lane Bryant credit card on XX/XX/2021.
I used the card and purchased XXXX worth of clothing. I never received a bill or credit card from them and called XX/XX/XXXX or close to that date asking where my statement and card was. They were supposed to remedy the situation and I have been waiting for the replacement card and a new statement.
They did reverse the late fees and interest because I did not receive either. I told the clerk at the store my correct address including the po box number and street address. At my first call to the company I told them again my po box and street address. I have not received an updated statement or credit card from the first XXXX telephone call.
Today I called and asked about the replacement card and statement and they said I would have to send in a current utility bill with my address and name on them. This was never told to me at any time when I applied for the card or when I called and asked for a replacement card. I am trying to pay the bill on my banking site, but I don't have an account number to put on the payment site. I am never late making payments on any account that I owe. This makes me look bad and I don't appreciate the run around I am getting since I did give them the correct information. The contact at Lane Bryant gave the post office and holiday excuses. I went to the Lane Bryant site after hanging up from the representative and was going to pay my bill. She told me they could get my number with the last XXXX digits of my Social Security number. Not right, it doesn't work that way. They want to know the card number and I don't know the card number because I don't have the card.
07/20/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
10314
Web
My credit has been in very good standing now for years. I've been keeping up with all my bills and have most of my credit card payments on automatic payment for the month so I don't forget. Unfortunately, there were still one or two that I hadn't signed up with, for this service. One is Comenity Bank the holder of a store credit card. I recently approached this bank after receiving a late fee about a month ago. Apparently, I forgot, after almost a year of paying on time and paid a couple of days late. Actually, I had thought I had been paying for well over a year on time. When I asked for a waiver, they were quick to point out that they had already waived a fee about ten months ago and were not prepared to waive one again. Wow. I told them that I really regret to hear that during these times, when so many people are in hardship ( we actually have our mortgage on deferral for over one year right now ) that this bank will not waive another late fee. I have since set up automatic payments. They can see this. Since this is a decision that this bank is remaining strong on, then I want to close this account. All it is, is an account that has got me into debt. High interest rates, now late fees, slow returns where I can not even keep up on what I returned and if I got the proper credit. I told them that if this fee is not waived I am going to have to close my account for a combination of the above mentioned reasons. Apparently they could care less and even told me how to close the account! Wow. Unbelievable. Even with what happened. A major Pandemic. People really struggling, still, well over a year later and they say no. Shame on this bank. Shame on them. I want this noted.
11/05/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
RI
02904
Web
This is a credit account for 24 months with out interest used by our XXXX t0 finance XXXX work.
My wife started early this year, I started in XX/XX/XXXX.
The attached PDF shows the typical XXXX XXXX XXXX XXXX XXXX billing stub.
The stub clearly shows that payment must reach XXXX by XXXX XXXXET of the due date.
I do all my billing thru my bank, and I have setup my account with XXXX with Autopay, for 24 months, so on the 19th payment will reach XXXX ( as I have done with all my other billing ). So, XX/XX/XXXX was my first payment.
On my XX/XX/XXXX statement I notice a {$39.00} late fee.
I called and told the customer seervice rep that according to my bank ( XXXX ) payment was made and money withdraw from my account on XX/XX/XXXX.
He insisted that no payment was made, but after a while trying convince the CSR he charged gave me a {$15.00} dollars credit.
On XX/XX/XXXX bill again I found a late fee.
I called again XXXX CS but, knowing they would not be able to help, I asked for a supervisor, I was on hold for over 20 minutes, finally I hanged up.
Made my payment in XX/XX/XXXX, and on XX/XX/XXXX I received a call from XXXX.
Did not answer, but called back within 5 minutes.
The CSR told me that I was overdue, I told her that - again - according to XXXX payment was made and money withdrawn on XX/XX/XXXX, she insisted that it was not.
I have attached also mu wifes XXXX stub and activity as a sample to show that both accounts have the same process. Thankfully, her account is OK.
If I incurred an error setting up the account, I would like to know how XXXX was able to make payments and where this money is going, because the payment name and address are correct.
11/10/2018
Yes
Debt collection
Credit card debt
Communication tactics
Used obscene, profane, or other abusive language
NY
10466
Web
On XX/XX/2018 at XXXX XXXX, a representative called me from a blocked number without giving their name, nor verifying my identity before they began to discuss and disclose my personal information. The person only stated that they were calling in regard to my XXXX 's XXXX Account. During this call, the representative became abusive with her tone and language. The representative stated that I need to pay my bill regardless of my situation because my hardship program was over, and that it wont be my situation forever. She went on to say that if I do not pay something that I am stealing because I already have the merchandise. I repeatedly told the representative that my hardship has not ended, and I am seeking additional help, otherwise I can not make the regular payments. The representative continued to degrade me asking " well what is it you have been doing this past year? '' She continued in a back and forth engagement with me for seven minutes before I became completely upset with the harassment and hung up.
I then called XXXX XXXX 's XXXX at ( XXXX ) XXXX-XXXX on XX/XX/2018 at XXXX XXXX to file a complaint. I asked for the name of the representative and I requested to speak to a manager. I was told that they could not locate the name of the person who had called me, but that they would leave a message for the manager of the representative to call me back. It is now XX/XX/2018 and have not heard back from a manger. After two weeks have gone by since the incident I realized that I was not going to receive a call back. Since then, I have not answered any calls from unrecognized, unknown or blocked numbers in fear of being targeted, called a thief, and harassed again.
10/11/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
28080
Web
I opened this credit card ( The Children 's Place, XXXX XXXX ) in XXXX, and made a purchase. At the beginning of XXXX, my family contracted XXXX, I was the first. I was unable to move for several days, and became severely XXXX. I eventually had to go to the XXXX XXXX for help. We are a family of XXXX, and it took us 2 months to get through XXXX, with my husband also ending up in the XXXX XXXX. Needless to say, I was unable to pay any of my bills during this time. Thankfully, most of my other bills are on autopay, but this was a new card, and I had not had a chance to set it up.
When I called, I have been charged 2 late fees. One of them was waived, the other I had to pay, even though this was due to a circumstance that most companies are being more lenient with. I told the representative that I wanted to just pay the full amount and be done with it. The representative took my payment and said the account had a XXXX balance.
I sent a letter to the company, asking the late payments be removed from my credit report, as I am in the process of purchasing a house. It was denied, again, even though the cause of the late payment was XXXX related.
I received a couple more statements in the mail, but did not open them, thinking they were just {$0.00} statements, as I had paid everything in full. When I opened yet another statement today, there were 3 more late fees added.
I called and spoke with an incredibly rude customer service representative who then transferred me to a supervisor. The supervisor waived 2 of the late fees, and I had to pay an additional {$47.00} in order to again bring this account to XXXX balance. I requested the account be closed immediately.
09/24/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
AR
71964
Web
I have had 3 accounts with stores tied into comenity capital bank. That being victorias secret, XXXX XXXX XXXX. I had placed orders for victorias secret & XXXX XXXX then ended up in hospital. I never got the orders & called & told them that ... both were nice about it & said they would remove charges. Comenity Banks tells me different & I need to send in letter telling that. They apparently put orders in mailbox without signatures which is stupid but that way they dont have to verify anything just nail you for items you didnt get. Then XXXX XXXX I called to make a payment on XXXX XXXX with my paypal XXXX & it was kicked out because they dont except any paypal card. So I said I will pay the card off with my debit card & woman said will you also have a XXXX payment due would you like to pay them both & it be paid off I said ok lets do that. So I paid {$120.00} on my visa debit & they want to say it was never paid & to send them a copy of it. I had been told by one of comenity bank employees after I had sent in letter saying I never received the prior orders that the were going to say they never got the letter & she was right ... they said they never got the letter & funny thing is before I was told that a male employee had told me they had recieved it & it was being investigated. They like to lie obviously to make sure they can XXXX customers out of money. They have placed all this on my credit & I have proof I paid it off ... right here!
XXXX XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Statement for Account Number : Statement Period : XXXX XXXX XXXX/XXXX/XXXX XXXX : Signature purchase from XXXX COMENITY CAPITAL BANK XXXX {$120.00}
10/06/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
MA
01420
Web
Company had enrolled me in payment plan. I had made or exceeded the minimum payment as shown on my monthly statement. Company reported a 30 day late mark despite this. Periodic calls to company resulted in being told account is fine/good standing/showing payments received. Upon identification of credit mark, escalated call to company and was advised was " speaking to wrong department as my account is in special program ''. Statements clearly show payments as follows : XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} Spoke to representative about amount showing past due on XX/XX/XXXX, XX/XX/XXXX statements prior to negative credit mark in XX/XX/XXXX. Was advised that this will continue to show since I am on a special payment program.
Statements did not reflect past due amount in minimum payment due. Thus, statement incorrectly showed the true status of my account. Enclosed are statements for XX/XX/XXXX-XX/XX/XXXX, which clearly depict the minimum payment, and the amount of payment made.
Again, several calls made to XXXX XXXX during XX/XX/XXXX-XX/XX/XXXX about past due amount v. minimum payment due. Each time I was advised that this is due to my " payment program ''.
Was wrongfully advised by customer service as well as statement documentation ( enclosed ). Payments were made according to the minimum payment due.
Company refuses to acknowledge their misleading representation of my account status. This falls under Unfair and Deceptive as a UDAAP violation. The company did not act in a way as to their fiduciary responsibility to protect me as a consumer by incorrectly specifying the minimum payment due on my account.
11/18/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TX
77406
Web
Older American
On XX/XX/XXXX I purchased a sagebrush classic casual jacket ( small ) for {$79.00} ( plus tax & shipping ) via XXXX XXXX online.
I returned it tracking # : XXXX. Delivery was confirmed on XX/XX/XXXX @ XXXX XXXX. to XXXX, KY, US. I have tried to confirm the credit which has not appeared on my account as of XX/XX/XXXX. Each time I made an inquiry online, I gave them a copy of the tracking receipt. A few days later I would receive a letter that I needed to be patient because it can take up to 90 days to resolve. Inquiries were made : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.
I called again today, XX/XX/XXXX ( over 90 days ) and was told there is no credit for the return and they filed ANOTHER dispute and informed me it will be another 30 days to resolve the dispute. Irate, I asked for a supervisor and was transferred to XXXX.
The charge was made through XXXX XXXX but they use Comenity Bank to manage their accounts. Today I've talked with numerous people & keep getting a run-around in a call that took over 1 hr 23 minutes. After wading through a call-director system, one rep sent me back through the system so i could 'talk with XXXX ' since they have all the information. However, I ended right back with Comenity because Comenity handles their credit card charges.
This is absurd and there's no accountability. FINALLY, today after 1 hr 23 minute phone call, the STORE gave me a credit for {$85.00}. ( The call director system sends callers to Comenity re account issues. If Comenity can not assist customers, the automated system needs to send callers to the STORE that can issue credits. What a zoo. This experience has made me reluctant to EVER buy from XXXX XXXX again.
08/15/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
CA
93277
Web
I had a Victoria Secret charge card through Comenity Bank and have had a few issues with said bank. Which ended with Comenity closing my account XX/XX/20 for reason that did not seem valid or clear. I then made a complaint here through the CFPB requesting my account be reopened and the rewards and the anniversary discount of 20 % for earning XXXX XXXX status be extended so that I could use them as I earned then through the rewards program. The company responded XX/XX/20 stating they refused to reopen my account due to " credit changes and lack of use '' which neither claim was true. I was unable to make purchases from XXXX - XXXX due to a mistake made to my account and in XXXX the company addressed the mistake and fix my account, but I did make multiple payments in XXXX so there was no lag in activity and their statement of " credit changes '' is also false or i can only assume so since on XX/XX/20 ( 5 days before the refusal response ) I was pre-approved for another Victoria Secret card through Comenity Bank which I accept just to see and was fully approved for XXXX credit which is {$50.00} more than the account that was just closed. I notified Comenity of this and also asked for my account status to be changed to XXXX XXXX like I had earned in my previous account and my rewards to be renewed and was told my questions were sent to the right department and to give it 30 days for a response and after the 30 days I was told I'd have to try and call to speak with the right person. I'm not sure why this company is targeting me but I definitely feel like I am being retaliated against because they attempted to change my minimum payment illegally and I made a complaint
06/30/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MO
64057
Web
A dog was purchased from XXXX on or about XX/XX/2020.
After taking the dog to the veterinarian as required by XXXX it was discovered that the dog was sold with a KNOWN congenital defect without any disclosure to us. We were told to return the dog immediately. We contacted XXXX several times without a response in addition to the insurance warranty company supplied by XXXX again to no avail. Multiple emails, phone calls and letters written and all of these have been submitted to MO Attorney General and the XXXX. However, to date XXXX has refused to respond. Contacted Comenity in regards to this from the beginning for fraudulent charges due to product not received as promised. Still to no avail. Contacted the sales representative directly by text message and she reported she would refund the money to the card and a receipt was provided to Comenity. However, to date they refused to credit the account! Something needs to be done to XXXX as after investigating this problem occurs numerous times over and over across the country which is disgusting. The response from the MO ATTORNEY General was that this company always fails to respond- ok why isnt something being done! I have many credit cards with Comenity and have made other larger purchases from XXXX in the past and paid my bill - however I refuse to pay for a service that was not provided and its not ethical to sell an animal with a known congenital defect. The veterinarian wrote a letter in regards since he did the original intake assessment in XX/XX/2020 and yet they still sold the dog to us XX/XX/2020!! I have provided all this documentation to Comenity, XXXX, XXXX Mo attorney general and the warranty company.
08/23/2017
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
GA
30660
Web
Older American
On XXXX/XXXX/XXXX I bought a small 3 drawer chest from XXXX XXXX - as part of a promotion - they offered me an additional 20 % of the purchase price if I opened a credit card account with them. I had no idea that the credit card was with Comenity Bank - if I had known, I would n't have bothered. Anyway - the item was not in the store - so I had it delivered to the house. Upon delivery, I went online, printed off a payment coupon and mailed XXXX XXXX/Comenity Bank a check in the amount of {$270.00} ... this was done on XXXX XXXX and the check cleared on XXXX XXXX, XXXX. The account number was written on the check ; the check was written to XXXX XXXX - and, Comenity Bank applied the payment to my mother 's account - which has no balance and the account numbers are not even vaguely similar. I tried talking to these people ( XXXX/XXXX/XXXX - XXXX @ Comenity ) and she advised to mail my proof to Comenity Bank in Ohio. I mailed the info to Comenity - certified mail - and then another invoice came thru advising I owed even more money - some sort of late fee. I called Comenity on XXXX/XXXX/XXXX - they passed me around until I landed with someone called XXXX '. At first - he tried to tell me that Comenity had not received my info ... I advised that the certified tracking number XXXX indicated that Comenity received this info on XXXX/XXXX/XXXX ... he then said " Aha! Yes! It had been received '' and then proceeded to tell me that someone would get back with me and straighten this all out ... in the meantime ... I got ANOTHER late notice adding MORE late fees. If I do n't get this cleared up - I 'll end up owing them {>= $1,000,000} for a {$240.00} dresser. Please help.
05/08/2017
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
GA
30319
Web
Starting in XX/XX/XXXX , I h ad issues with my Paypal Business a ccount where fraud transactions passed through the account via my business checking account and personal account that was linked. Also, a line of credit was opened where many transactions came through from a company calle XXXX in XXXX . I contacted that company several times, and mailed Paypal the emails or chat sessions. Paypal c losed my business account. XX/XX/XXXX , I st arted the dispute on t he Paypal line of credit transactions after many more attempts to resolve directly with the vendor. Paypal acknowledged receipt of the attached letter ( support was included by mail but not attached for it is cumbersome ) ; and mailed priority with tracking. I have yet to receive a status up date, and as of XX/XX/XXXX m ailed a letter asking for a status. I have received nothing. Prior to all of this, I had the same issues wit h my Paypal personal account with the same personal checking account linked. That account was closed as well. A line of credit account was opened as fraud, but disputed by the credit bureau, and Paypal removed ( see letter attached ). The line of credit that I am disputing now is not report to the bureau, and I want to keep it that way. However, I have been making the payments of {$70.00} per month plus to avoid the account going into collections. I am XXXX and I also have a full time job, and studying for my XXXX . I have to keep my credit in tact. At this point, I am just wanting to know if they are even researching the dispute. As of XX/XX/XXXX , Paypal is not FDI C insured and therefore, I could not go through them for a complaint.
04/17/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
91754
Web
Comenity Workers Your previously sent letters of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting additional information that your are in need of, has already been provided many times, online and telephone calls. Though you received your desired information, your further researching of the concerns gets no where, just with asking for the same stuff, which only the same additional information can be provided. Your research gets no where, you are happy to refuse the return of the funds. Also, you offer no fax numbers or e-mail addresses to provide the repeat additional information to you, besides the postal mails and your online, which has been unable to contact to the department Again, here are the same additional information that you desire.
XXXX XXXX connected me with XXXX XXXX XXXX mentioned previously.
This company supposedly provided repairs to homes as warranty.
When using its services, requested claims, they would not respond.
Tried reaching them through e-mails and telephone calls with no responses. Then, contacted them to cancel as they were not providing their services. Unable to cancel as they wont respond.
XX/XX/XXXX called with e-mails.
XX/XX/XXXX {$2200.00} XXXX falsely advertising coverage services which none were ever provided. Contacted through e-mails and calls many times. XXXX Worker XXXX did not call as mentioned. No other XXXX workers ever returned calls or heard from as arranged. XX/XX/XXXX requested cancellations for return of the funds. Comenity has not provided any assistance with this, delayed 2 years now XXXX Any more repeat information, you may contact me through e-mail that you have on file or fax. No postal mails XXXX card
03/01/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
FL
33625
Web
I opened a dispute since XXXX with XXXX regarding an account wrong in my file from XXXX XXXX, I never opened an account with them. I called them today XX/XX/21 and spoke XXXX XXXX XXXX I think was her name from customer service and I gave her all my personal information and she did not find any account under my name. She recommend me to send a letter to them so they can contact me to open an investigation. I sent the letter today to see if I can resolve this situation that is causing me a lot of problems already with my credit.
Also, I have the same issue with another account with Comenity Capital/CHLD, not mine and is in my XXXX credit file. I called them today also and spoke with XXXX in the secure accounts area and she said that she only have the account from XXXX which I paid in full in XXXX and it shows closed in their system but XXXX still have it open with normal balance I have at the beginning of {$500.00} something. XXXX then checked the one I saw in my file that I don't know what it is under Comenity Capital/CHLD and she said that there is nothing under this name that I only have the XXXX which is closed since XXXX. She said that I was in need to talk with XXXX because apparently they added it by mistake to my file. I will not contact them back, I tried today and the rep. told me that their system was down and she could not help me the way I need it but she recommend me to open my disputes here and that would help to resolve my situation. I tried to buy a wash mashine that I need yesterday and it was denied because my score it's so low now that no one is going to give me credit until I fix the 4 accounts XXXX have in my file that are not mine.
05/05/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
FL
33178
Web
During a XXXX visit last XX/XX/XXXX, I applied for a XXXX XXXX Financial Credit Card. I was approved with a credit limit of {$11000.00} and incurred {$2000.00} to be included in the 0 % interest promotion set to expire XX/XX/XXXX. Upon receipt of my first statement dated XX/XX/XXXX, I attempted to set up autopayments through Comenity Bank 's website ( the bank that issued my XXXX XXXX credit card ), but the site does not allow for auto payments. As as result, I set up monthly payments from my checking account held at XXXX. These payments have been withdrawn from my account on the XXXX of every month since XXXX, XXXX. Last XX/XX/XXXX, I accessed the XXXX XXXX website to inquire regarding COVID-19 assistance and discovered I had been incurring late and finance charges since XXXX, XXXX. This was quite the surprise since I have never received any further communications from XXXX XXXX or Comenity Bank, much less a late or delinquent notice. Unbeknownst to me, my payments were arriving a mere 1-3 days late. I immediately called Comenity Bank and also initiated an investigation through XXXX. As a result of never having received any communication from them whatsoever, I requested these fees be removed from my account and ultimately from my credit reports. Attached are copies of my correspondence with Comenity. I believe applying these fees without any notice to me whatsoever yet reporting it to the credit bureaus constitutes unfair and deceptive business practices and violates the Fair Debt Collection Practices Act. I, therefore, seek your assistance in correcting this matter and obtaining a credit for the remaining fees incurred totaling {$180.00}. Thank you
11/14/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
VA
23232
Web
On XX/XX/2021 credit XXXX collection ( XXXX ) was removed from XXXX and has now been placed back on my account. Ive disputed the account explaining the account was not mines and was not in my name. Ive reached out to XXXX, credit XXXX collection XXXX and the credit bureaus to have information removed/corrected. However the collection account is still reporting negatively. XXXX XXXX is also reporting negatively on XXXX as this account is not mines it should be deleted from report. Collection was removed from XXXX XX/XX/2021. The account is not in my name and doesnt belongs to me. Also l will like to file complaint against Victoria secret /comenity bank for reporting differently on different account and reporting inaccurate information. ( LATE PAYMENTS ) Comenity/Victoria Secret is reporting positively with XXXX % on time payment on equifax but reporting negative on XXXX and XXXX. Contacted them to have information corrected, and to report positively on XXXX and XXXX as well, account is still reporting negatively on XXXX accounts ( XXXX and XXXX ) and positive on XXXX. The account needs to reflect positively payment reports to all XXXX bureaus. I will like to file complaint with comenity bank/foreve21 account was paid /closed and on time, they are reporting incorrect information and also reporting differently as far as late on each credit report. Please have these late reportings deleted its paid/closed and reporting incorrectly. Ive been getting denied for home-buying due to this negative information reporting on my report, Im a single mother with XXXX kids. My home is molded Ive been trying to move and this has been causing me to be denied please assist.
08/05/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with rewards from credit card
AZ
85295
Web
I put in my first dispute with Comenity Bank on XX/XX/2020 when my XXXX statement arrived and I did not see my rewards points credited. It is now XX/XX/2020, with no resolution and hours and hours on the phone with them. I have received only a partial credit for my original order of XX/XX/2020. The items get billed to my card as they ship and I have called over 10 times and spoke to many representatives to try to find out why all of my purchases weren't included in the correction to my rewards dispute and why they only credited a portion of my points, no one can explain it. They have given me different deadlines for them to resolve this ... 2 weeks, 60 days, and now 90 days. Meanwhile, I have had a {$2000.00} overpayment on my account from returns I have made and they are considering this a billing dispute so not only was I talked into a XXXX XXXX Credit Card by the rep to get points, which I still don't have, I still don have some of the furniture from my XXXX order and now I do not have my {$2000.00} that is just sitting as a negative credit balance on my credit card with them for over 30 days. They are refusing to reimburse it even though it has nothing to do with my reward points dispute. I finally spoke to a rep at XXXX XXXX on XX/XX/2020 who changed the last 3 to 4 items that had not already been shipped and cancelled them and reordered them under the rewards point coding versus the 0 % coding which is when my rewards points started to credit. But they returned items and took points away from me that were never credited. So I am negative over 3000 points, when they are the ones who owe my approximately 3000 points ( see attached for exact figures ).
05/13/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with fraud alerts or security freezes
FL
32514
Web
Older American
In early XXXX I applied for a new Mastercard Perks for BJs Wholesale that was to open in XXXX. A month later, XX/XX/XXXX I get a letter in the mail mind you that says I was denied because my XXXX report is in FREEZE and I would have to remove it and wait 30 days to reapply. I understand the difference between at lock and a freeze. I have my credit reports LOCKED because of the data hack at one of the agencies a few years back. I waited the 30 days and then contacted the Comenity Bank and tried to explain that I can unlock it anytime and all you have to do is notify me by phone or text, which they have, and then after your done I will relock the next day. It was like talking to a brick wall. After speaking with 3 people and supervisory they still made me reapply even tho they had my initial application with my phone number on it. So, I missed using it at BJs grand opening at which their district manager gave me a gift card for the hassle ( so BJs know about this ). I got the card in early XXXX. I reached out to XXXX by email and explained to them, who you would think would know better, that they told Comenity I was in a freeze but I was not. They did respond with a soft apology but I am not sure if they learned anything. I am asking you, CFPB to study this some and make rules that direct the credit agencies and the banks that issue credit cards etc. that they need to understand Lock and Freeze and if a persons reports a locked, that they MUST contact them by text or phone and ask for the report to be opened for their viewing. This problem is not the fault of we consumers and the banks and credit agencies need to do a better job at servicing we citizens.
02/19/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
MD
21713
Web
I previously spoke to XXXX in the Call Center after receiving my XX/XX/XXXX statement in the US mail ( post XX/XX/XXXX close date ). The call into Customer Service was likely Monday XX/XX/XXXX. I had adjustments made for Late Fees/Finance Charges due to the conversion from XXXX XXXX to Comenity Bank. XXXX advised during that call that I would also receive XXXX bonus XXXX Reward Points. As of today, those XXXX bonus points have not posted to my XXXX account. Please investigate.
I followed up via Comenity Bank 's Secure Mail feature on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The agents who respond to my secure mail continue to re-direct me to XXXX. The issue is XXXX can not apply points for something they are not advised to do so from my credit card company. My view is Comenity promised me these XXXX bonus points, so therefore XXXX needs to take action to contact XXXX on my behalf and get these XXXX bonus points applied.
See XXXX reward points per my XXXX Rewards account : Date Details Points XX/XX/XXXX Points Earned for Entertainment purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Everyday purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Restaurant purchases on your XXXX Card XXXX XX/XX/XXXX Reward XXXX XX/XX/XXXX Reward XXXX XX/XX/XXXX Pass ( Purchase Power ) XXXX XX/XX/XXXX Pass ( Activation ) XXXX XX/XX/XXXX Points Earned for Entertainment purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Everyday purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Restaurant purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned XXXX Card Purchases XXXX XX/XX/XXXX Points Earned XXXX Card Purchases XXXX
10/16/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
NC
28320
Web
Several time before this my wife would let me listen to voice mails she had received. It was the bank for this credit card, I never gave her number. I gave the correct information when I did the credit application. But they skip traced and got her number. I have not gotten mail from this company. Only from XXXX XXXX.
On XX/XX/XXXX, I was answred a call to XXXX my wife. The guy did not confirm who he was talked to, he tried to strong arm collect this debt. by telling me he was taking me to court or charging off the balance if I didn't pay it tonight. I wouldn't talk to him. I was rude to him, on puropose. but asked for a manager.
This guy acted like he had some sense, we set up the following arrangements. I paid XXXX that night, I would call XXXX on the following dates and pay XXXX per installment. XX/XX/XXXX and XX/XX/XXXX. I also told them I have a bill payment comeing to them every Friday from my bank, automatic. XXXX which it was agreed I would not have any other calls, my wife wouldn't because I updated my phone number.
I made it very clear to the Manager, I would block the calls if they continued and they would only get my payments, as I send them in. he understood.
Since then, I have gotten calls to XXXX ( my number ) XXXX @ XXXX XXXX, restricted numberXX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX @ XXXX, XXXX XXXX XXXX XXXX, XXXX Robo caller XXXX XXXX, XXXX Robo Caller XXXX @ XXXX, XXXX XXXX XXXX @ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX, XXXX Robo Caller XXXX @ XXXX , XXXX ( restricted ) @ XXXX, XXXX Robo Caller XXXX @ XXXX, XXXX Robo Caller @ XXXX, XXXX Potental Spam XXXX @ XXXX.
As you can see, these calls are excessive from this company.
10/05/2019
Yes
Debt collection
I do not know
Communication tactics
You told them to stop contacting you, but they keep trying
MA
01701
Web
Older American
I received a call on XX/XX/2019, on my cell phone from COMENITY BANK, looking for MY SISTER, who lives in a different state and has a different last name.
The caller, " Miss XXXX '' insisted that my name was on my sister 's records as a contact ( false ), and that it was urgent that I give her number to my sister, and that my sister call her before XXXX.
" Miss XXXX '' called from XXXX. She said her callback number was XXXX, xXXXX.
I have XXXX their number, and read MANY MANY MANY MANY MANY MANY complaints about this bank, the same number, same callback number, same tactics, and also people saying the bank was calling to reach their sister.
Here 's one response : " You can thank the internet. They list all sorts of outdated information and people that you know ( even though you never heard of them or met them ). These crooks use that information to scam people. This is a debt collection extortion scam.
One of the tricks they use is to call your family, friends, neighbors and/or places of employment ( past or present or both ) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money. They often call people that have never even been associated with you because they get erroneous information off of the internet. '' THIS HARRASSMENT HAS GOT TO STOP!!!!
I spoke with my sister who has a very clean record of payments, has few to no credit cards, and I warned her to get a free credit report to see if this horrible company put something on her report. I will block this company 's number on my phone, and she will do the same.
PLEASE TAKE ACTION SINCE I AM NOT ALONE!!!
12/22/2017
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
MN
55016
Web
this is now the third complaint because they keep stating different things in the initial complaint XXXX they stated that my XXXX account ending in XXXX could stay open because it was opened after the original filling and the conversion to a chapter XXXX bankruptcy. then I filed another complaint stating that my XXXX , XXXX XXXX, XXXX account would follow the same as the XXXX 'XXXX account opened after the initial filing and the conversion of the Chapter XXXX bankruptcy. complaint # XXXX however you are now stating that is not since the account were open prior to the Bankruptcy yes they all were opened around the same time. XXXX was opened XXXX, XXXX XXXX XXXX XXXX, XXXX 'XXXX XX/XX/XXXXand XXXX XXXX XX/XX/XXXXso you can see all account were opened after the initial filing of the chapter XXXX bankruptcy. They are stating than they account ca n't be re-opened because they were opened after initial filing and then a conversion took place they need to be closed. However please note that you have conflicting information from one letter to the next. Being that the XXXX account was opened after initial filing and conversion. All accounts were closed/suspended at one time and then in XXXX I was informed to fax over discharge to show no accounts included and all accounts were re-opened after conversion so I am beyond confused as to why you are now telling they need to be closed. There were even credit line increase given after the accounts were opened in XX/XX/XXXX. If you feel that all accounts need to be closed because of the conversion please quit sending statements as I will than consider all accounts included in bankruptcy and stop making the payments.
02/03/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CA
92506
Web
I have many credit cards and I pay off my balance in full every month. The card in question is a Comenity Bank issued Caesars Visa card. In my XX/XX/2022 statement, there were transactions totaling {$39.00}. As I was paying my bills, I had to hand write the address because the cc company did not attach an envelope which I had complained about before. I sent in my payment early ( about 10 business days ) and even decided to use the card at where it was issued on my trip. XXXX my horror when I received my new statement in XXXX and aside from my charges, there was a late fee of {$29.00} and interest changed of {$3.00}. I called the cc company to resolve the issue and was told the company received my payment on XX/XX/2022 instead of the due date of XX/XX/2022. The staff could not take off the charges so I asked to speak to a supervisor. He said they had given me a pass about 8 months ago. On further research, I read that the main bank company ( Alliance Data ) and its subsidiary banks have trimmed staff etc.I don't believe the postal service is that inefficient that the mail takes so long that the supervisor blames it on the postal service. Who knows when the bank staff input the payments etc in light of labor shortages due to covid etc.I am complaining based on principle because I believe it is unfair and that management gets the complaint and that the CFPB is aware of abuses like this. I have spent more time on this than it is worth but I believe it is my civic duty to speak out. I am sure others have just paid and moved on which is what I am sure the bank is counting on. Wrong... please look into it. The supervisor there at Comenity is XXXX # XXXX.
05/24/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
OH
45237
Web
I got a credit card with XXXX to make a big purchase where they offered me a store credit card and told me I would not be charged interest for a year and I would then have to start paying interest after the year was up. I then got the card and made payment when the offer was up I got my balance down to XXXX believing I would only be charged for that remaining balance interest. I then got charged XXXX in interest in XX/XX/XXXX, immediately after I realized the charged I called XXXX XXXX ( Comenity Bank ) to try and reverse it so I could pay my card off without the charge because I never once saw that I would be charged that amount. On the first page of my statements it didnt say I was getting charged interest and at the time I did not know what a accrued interest was. It wasnt until after I noticed the charge I seen all the information about the amount being charged was on the last page of the statements. I then contacted the company and they did nothing. All they did was explain the promotion which should have been explained to me at the time I was signed up for the credit card. The information they provided was misleading and all they wanted was for me to sign up for a credit card. I then did further research on the topic and feel like they are in violation of regulation Z in truth in lending. I read that the information that they provided on the last page of my statement is meant to be in the front page And it is not. Statements also says 0 interest being charged for the month on the first page which was very misleading I contacted them as soon as possible to try and reverse it and pay off the bill but they are not trying to work with me at all.
02/09/2018
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Application denied
NC
27587
Web
In XX/XX/2017, I applied in-store at XXXX XXXX XXXX in XXXX, NC for an XXXX Credit Card served by XXXX XXXX. Due to a fraud alert on my XXXX report that was on my account at that time due to the XXXX breach, the account was not approved. Later it was approved for {$250.00}. It is important to note that I have two other store accounts with XXXX XXXX XXXX XXXX XXXX XXXX
I later received a letter from XXXX saying they tried to contact me using info on my credit report I have no contact info on my report. I call XXXX, and in XXXX had them remove the fraud alert from my report and applied for a credit limit increase. I received another letter from XXXX stating the same as above we tried to contact you at the info on your report.
I then tried applying again in XXXX same thing. I call XXXX and they informed me that XXXX is wrong. There is no fraud alert on my report, and thus no phone number. I call XXXX, and they STILL insist that there is, and I can not get to an actual person that can help only 1st and 2nd line respondents, and XXXX has no corporate complaint facility.
All I want is for XXXX to process my credit limit increase WITHOUT trying to contact me based on info in my report ( XXXX informed me that NO ONE has a number on their report unless there is a fraud alert ). If XXXX has their own " fraud alert '' on my account, then they need to remove it. It would be obvious everything is on the up and up if they would simply look at the other accounts I have with them. This is a situation that is checkers, but XXXX is going out of their way to make it chess including quoting their " policy '' as a " law '' which is just amazingly naive.
04/14/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Unexpected increase in interest rate
PA
19464
Web
Older American, Servicemember
I had a XXXX credit card for about 20 years. Approx. 4-5 years ago the interest rate for this card was reduced by XXXX to 8.99 % APR. Because of this, this card is one of 2 cards I use as my primary cards.
XXXX accounts were purchased by Comenity Bank in XXXX XXXX, Texas effective in XXXX, XXXX. The interest rate continued at 8.99 %. Today I received notice from Comenity Bank that my interest rate was being increased to 15.49 % effective XX/XX/XXXX and this new rate applies to existing balances as well as new purchases. I contacted the bank to inquire why my interest rate was nearly doubling and was told this was a company wide policy change. I questioned if this was legal under the banking regulations and was advised by this person that they did not know. The person advised that they could put me in for an interest reduction but not before the new interest rate went into effect. I commented that there was no guarantee that the interest rate would be reduced. I further commented that I know that banks are having some difficulty alluding to that perhaps this was done because so many persons were defaulting on loans. I suggested that perhaps if the bank was having a problem and needed to increase the rate by a percent or two and give consumers adequate notice and written reasons for the increase, that perhaps it would be more acceptable but for the bank to just up and do this to probably thousands and thousands of people was unfair and just plain greed. I informed the person at the bank that I was not going to stand for this and I was contacting federal banking regulators. I told the person that this bank would never see any more of my business.
02/15/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NJ
08901
Web
On XX/XX/XXXX, my wife and I went to XXXX XXXX to purchase some furniture. As part of the store credit card, we were offered 12 month interest free financing. We purchased 3 items, all expected to be delivered on different dates. The charges were processed on the days they were shipped and in the process, only the first item shipped under the " promo '' of interest-free financing. After a few months of payments, we realized we were being charged interest and contacted Comenity, the bank responsible for the XXXX XXXX Credit Card. We filed a dispute for the finance charges and were told it would take 60-90 days to investigate the dispute. At that point, I paid the entire balance on the account off except for the disputed interest charges. While we waited for the dispute to be investigated, Comenity continued to charge interest and late fee payments on the amount in dispute. I called and asked why they are charging interest and fees on a disputed amount about 45 days after and they said that it was still be investigated and I would need to wait until it was resolved to get an answer. On XX/XX/XXXX, Comenity issued a finance charge credit for the disputed amount, essentially agreeing that there should have been no interest charges charged, however, additional charges of {$71.00} of late fees and interest has been charged on the disputed amount. I called today, XX/XX/XXXX and spoke to a supervisor named XXXX who told me that I would still be responsible to pay the remaining balance as it was charged after the dispute was put in place. However, if this account had been set up with no interest, the account balance would and should have been {$0.00}.
02/20/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with balance transfer
NY
10950
Web
I made a balance transfer as an authorized user from my wife XXXX XXXX XXXX ( XXXX XXXX ) to my XXXX XXXX XXXX ( XXXX XXXX ) for XXXX dollars.
The money was posted on my XXXX XXXX account and since I had only a balance of {$33.00} only I asked XXXX XXXX to mail me a check for the difference They told me we can not and the {$19000.00} that I have as a credit in my account has to be sent back to the exact sender which is XXXX XXXX ( affiliated with XXXX XXXX ). This amount of money was not posted in my wife XXXX credit card account., I called XXXX XXXX and, they said we did not receive anything.
I contacted XXXX XXXX ( XXXX XXXX ) they told me that a check for the amount of {$19000.00} was received and cashed by XXXX XXXX ( which originally sent them the {$20000.00}. check ) and they sent me a copy of the cashed check that they received on XX/XX/2017 ..I filled a couple of disputes for {$19000.00} that XXXX XXXX received though their XXXX system. and they rejected both of them. I spoke to a higher management at this bank her name is XXXX XXXX, she told me that they got the money and they are working on it to put it in the account and promised me she will call me when it is fixed. I tried to contact her and I am getting an answer ( she is not available ) all the time .I am not getting anywhere with this bank I have the proof that they cashed this check from XXXX XXXX on XX/XX/XXXX.I want this problem to be fixed as soon as possible it is almost 4 months now since they received and cashed the check. I never experienced and expected something like this happens in the USA. There is something wrong going on in this bank and has to be corrected.
06/26/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
MO
63147
Web
Older American
XX/XX/2020 I called into Victoria Secret to add a authorize user on my credit card account. I was told I am not allowed to add a user due to my account being too new. I advised the rep I did not read that in the terms and conditions and I was able to add a authorize user two days ago and the rep rushed me off the phone due to the call being near closing time. I spoke to a Sr. Rep XXXX rep number is XXXX he stated by law their not allowed to add a authorize user to the account for the first 30 days. I asked where in the is that stated in the terms and conditions? XXXX stated its in a newer version not the version online. XXXX continued to give me the run around I then asked to be transferred to his manager. I spoke with XXXX who stated their not allowed to give their full rep id out only the last four # XXXX, XXXX advised that is not in their terms and agreements its just a extra security measure their deciding to take on my account. I asked XXXX is this just my account he stated yes. I told XXXX that is showing prejudice against my account. I asked him if he could send me out that information or direct me to their website where it states you have to wait 30 days before you can add a authorize user. He stated no its not in writing its just a measure they are taking. However he told my daughter my credit line without asking me. I am not pleased with the way my account is being handled. I have NOT use this card and yet my account is being flagged and targeted. Once I was approved for my card I was offered for the same opportunities as their XXXX dollar customers I expect the same treatment. I will be filling complaints with each entity/agency!
02/16/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
CA
90272
Web
I moved to XXXX XXXX last year, but was traveling a lot for work and ended up moving to XXXX XXXX. I wanted to open a credit account to build a strong credit score so when I was buying stuff at XXXX XXXX, I signed up for their credit card system not knowing they had put an outstanding balance of XXXX XXXX This was 8 months ago. I never received the credit card, therefore I still to this day have never used the card and have no idea where it is. Then I started getting calls from 'unknown ' saying I had to pay XXXX $ about 3 months ago, so I thought it was a fraud because they didn't specify where they were coming from. Then more unknown, or random numbers were calling me saying I owe XXXX $ to XXXX XXXX. I explained to them I have no idea why I would owe them that because I never received the card therefore I couldn't go online to pay whatever outstanding balance was on my card because I couldn't sign in without the credit card number and information in the package that was supposed to be delivered to me. My hands are tied. I kept trying to find a number to call back but could never find one. I finally spoke to someone and just asked if I could pay whatever it is over the phone to settle this not knowing how deeply it affected my credit score. It's clearly a very, very sneaky system. My credit score is now very low because of this and I'm hoping to sign a lease for a new apartment in XXXX. I'm XXXX years old trying to start adulthood in the strongest way possible and this was a serious shock when I saw that my credit score was so low when looking to see what it is so I can find an apartment to call home and start my own life. Please help me.
08/03/2017
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Getting a line of credit
FL
33850
Web
PayPal Credit sent two separate emails offering terms of 24 months, zero interest for a limited time ( XX/XX/XXXX - XXXX ) on virtually any {$600.00} and up XXXX purchase. This was no " participating merchants '' restriction. The buyer 's credit was the main qualifier for this offer. The offer of these terms would only be revealed after committing to a purchase with a merchant. After committing to the purchase, the instructions said that the buyer simply need select the " 24 month easy pay '' option. So.. on the XX/XX/XXXX , I selected an item for purchase for {$970.00} ( that I only purchased because of the the favorable lending terms ). Being committed to the transition, I selected the'PayPal Credit option, only to find the standard '6 months, no interest ' option. I reversed out of the PayPal selection and tried to find the 24 month option using two other devises and through the 'classic ' XXXX site. Still ... no 24 month option was shown. I called PayPal Credit to query them on the offer and the terms not being offered on my purchase. I was given lies by the first representative. The second told me that the terms would revert to the more favorable offer after a couple days ... to just complete the purchase under the only option they were showing ... six months. Over the next several days of phone calls to PayPal Credit, I was given more lies and excuses. However they never changed the terms to their email offer and after snail-mail request for review, never corrected it either. This is classic 'BAIT AND SWITCH lending practices. They were made aware that contacting you would be my next step, if they failed to correct this.
07/01/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CT
06511
Web
Servicemember
Back in XX/XX/2019 I had a total balance of {$1200.00} on my XXXX XXXX Mastercard however I paid {$1400.00} which XXXX 'd out my balance. Shortly thereafter I noticed several FRAUD charges which were put on the credit card. " I '' went onto my mobile phone app and placed an immediate block/hold on the credit card to prevent any further usage of the card. I then called the customer service ( according to my cell phone bill records ) and reported the fraud charges. I was told that I would receive a new card and the fraud charges would be investigated. In all the years I've had this credit card I have NEVER had any problems with fraud, the minute I pay off the card I then get all these fraud charges. Nevertheless, I received a letter from XXXX XXXX mastercard dated XX/XX/2019 stating that after there investigation of the fraud charges they have concluded that I am not responsible for the disputed fraud balance amounts that were put on the mastercard. However the problem is that I have NEVER received the credit for those fraud charges. I have gone onto my online XXXX mastercard account and sent messages to customer service requesting the credit and statement reflecting this be mailed to my address which they have on record and they refuse. I even contacted the XXXX XXXX XXXX with copy of this XX/XX/2019 letter showing XXXX XXXX Mastercard stated I am not liable for the fraud charges and they REFUSE to supply the XXXX XXXX XXXX with a response stating they would contact me by mail which ive waited now several months and still have not received a response. I am now going to contact the attorney general if CFPB is not able/willing to assist me.
06/21/2019
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
TX
79014
Web
Paid them more that the original amount owed.
About a year ago XXXX of 2018 i received a phone call from XXXX with XXXX XXXX stating that that I had an account in collections and in order for them to close the account i needed to make a payment. She further went on saying that I needed to pay more than the original amount, due to the interest accumulated, past due charges accumulated and a fee for having my file in there office. I knew about the account she was talking about and i went a ahead and paid them {$450.00} when the original amount was {$360.00}. They were supposed to send me a letter by mail stating that the account had been taken care of, which i never received. I call back to request one and they did send me one. The letter did not have the original creditor 's name, original account number or a signature. I did noticed that the paragraph on the letter had a different creditor name who was not the original creditor. I have had more calls from the original creditor stating that my account is still open, meaning that XXXX XXXX never sent the payoff letter to the Creditor. The original credit then passed accounts to someone else and my account is still open. I have called XXXX and I have also talked to XXXX XXXX asking her to please refund my money back and they keep telling me that they will send a letter. I told them about what i hand noticed on the first letter and out of no where they went back and changed it up. I have been dealing with them for the past year and I can not get this fixed. They were supposed to get back to me and i have no hear back from them. I have tried calling them back and they have blocked my number.
01/09/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MS
39339
Web
I applied for a XXXX XXXX credit card. I have had issues getting my statements from them. I contacted them numerous times asking why I was not receiving statements. I also after the third month of issues spoke with a supervisor. She told me she would set me up for auto draft payments. Today, as I laid in the bed with XXXX, I received a call from Comeity Bank who stated I was late on my payment. They tell me that the auto draft stopped this month. I had to enroll online for the payments to continue. I explained again I didnt have a statement to get rhe number off of. I told her that the last supervisor I spoke to set me up on auto draft and there have been no issues. She told me that I had to go online and she wouldnt do this. She asked me about email statements. I told her that would be perfect and I had not been offered that before this call and that I wanted whatever I needed to do to be able to pay my bill. She stated that it was showing my statements delivered. I told her why would I be telling a lie when I have set my statements on auto draft and their company wont do this but for 3 months? They have charged me late fees and were of no help. I am waiting on my email statement and I paid the bill but the late fees will now be placed on my account. This is so unfair that this company has clearly taken advantage of me. I also told them I was recording this call and they refused to speak to me but they said they were. I told them then I did not agree and they stated they could not speak to me the. Where are the customer rights? Where does this stop? XXXX and XXXX are the two I spoke to today valierie being a supervisor. Please help me.
12/23/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
TN
37015
Web
The acct opened in XXXX 2019. I received the bill and it was way over the amount of services from the beginning at over XXXX. I disputed the amount was brought down to {$920.00} of which I paid in full. I was recovering from XXXX and need some detail work after XXXX. I later pulled my detail charges and found that the original balance I should have paid was {$550.00} ( XXXX+XXXX ) .The other charges were for a different XXXX that has already been paid in full as well in the day of service. Comenity Capital Bank has since closed my acct, sold it to XXXX, and stating that I still owe {$260.00}. How can that be if I overpaid them in the first place. I have proof and I can not get an answer from either of them on how they plan to correct their error. I have been turned down for 2 credit cards and can not get my home refinance with this incorrect information on my credit report of which they refuse to remove. I have placed a dispute with XXXX and it will not be settled until XX/XX/XXXX but I do not have that kind of time because I have 90 day to get my home refinance or I have to sell it by court order. I have been trying for over a month to get this issued resolved and I can do without this stress and XXXX since I am still recovering from XXXX and XXXX I am on a time crunch and it seems that they have no intentions of changing the false report they created. Not only did I over pay {$360.00} they sold the account to a debt collector that is charging me another {$260.00}. This is is devastating, very stressful during what should be a happy time, and time consuming to file all of these complaints and all they needed to do was the right thing.
02/28/2018
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
OH
43609
Web
Originally the 1st year there were no problems in XXXX, however, when I recharged up my XXXX I had {$200.00} of credit in XXXX now they will not credit my account correctly to ever pay my account down. In XXXX XXXX I owed approximately {$270.00} per the statement if I paid all minimum amounts due which I have in 3 years it would be paid off. I have paid all minimum amounts due every month and on time all months since then except 2 months so only for 2 months should I have had late fees and other fees. All other months were paid 1-4 days early and no matter if I paid in the store, by mail or online directly to XXXX XXXX even if they promise to charge no more late fees still they do. So today my account is over {$820.00} on many occasions I have complained to them still they will not credit my account properly without adding all kinds of late fees and other fees.
Then in XXXX they sent me a special notice my credit was available for {$350.00} and t go shopping for XXXX. I had not charged anything all last year. So I paid my friend to drive me & spent over an hour made sure when entering the store I had {$350.00} credit they said yes. Then they denied me since I could not find my card so I found my card they had made me put back all items so I spent another 1 hour finding my items again and then they denied me again saying my balance on my card was too high ( of course because they did not credit me properly and added on too many late fees when my payment was not late and too many other fees. Now they took my credit score from XXXX to XXXX last I checked. I am very upset over this. Can you please help me? Thank you.
Sincerely, XXXX XXXX
06/13/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
CA
94582
Web
Servicemember
In 2013, I arranged with Comenity Bank/XXXX XXXX XXXX XXXX a payment for my account via telephone. This phone conversation was recorded, and I was even advised by the individual our conversation was recorded. I was told that by paying the full balance immediately to CB/XXXX XXXX XXXX, that the information would be deleted off my credit reports. I was explicitly clear in my question, that once I pay this item, it would be removed from my credit report. The employee responded that yes, the item will be deleted. I have tried numerous times since making this payment to obtain copies of this recording, and every single employee says they are confidential and can not be accessed. CB/XXXX has access to these tapes, yet the continue to say the debt was in fact charged off. I have a right to access proof of the agreement. CB/XXXX XXXX XXXX continues to report erroneously on this account, with some credit bureaus reporting Late - Charge Off and others Paid - Charge Off. This debt was never charged off, as I paid the company directly. It was a requirement in my background investigation for my employer to clear negative items from my report. While I showed my employer proof of payment via my bank statement, I never received a receipt from CB/XXXX XXXX XXXX for the payment. I respectfully request that the CFPB intervene, as it is clear CB/XXXX XXXX XXXX does not care about company procedures, customer privacy, and compliance with the Fair Credit Reporting Act. Furthermore, CB/XXXX XXXX XXXX has numerous addresses that have made it nearly impossible to keep track of investigation statuses, I 've only received notifications via third party monitoring.
09/17/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
VA
22967
Web
On Friday, XX/XX/XXXX XXXX XXXX ( ET ) I contacted XXXX XXXX about a XXXX Credit Card issue on my account pertaining to interest charges below : As of XX/XX/XXXX I owed {$700.00}.
Then they charged me four interest fees : XX/XX/XXXX = {$340.00} XX/XX/XXXX = {$340.00} XX/XX/XXXX = {$1.00} XX/XX/XXXX = {$760.00} Total interest charges were $ {$1400.00}??
There is NO way this is correct, can you please get this corrected?
Message I received from them : " From : Comenity Bank Sent : Friday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Annual Percentage Rate Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
XXXX XXXX issues your account and responds to all credit related inquiries.
We've received your information and it's currently being reviewed. For future disputes if you would like to be protected under the Fair Credit Billing Act your dispute would need to be in writing. Please refer to the back of your statement for additional information. Please be assured that we will work diligently to resolve your issue. Upon completion of our investigation, we will notify you of our findings. While we investigate whether or not there has been an error, we will not try to collect the amount in question or report you as delinquent on that amount. We appreciate your patience while we are conducting our investigation.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up or further questions you have related to this concern, that you submit them by logging into your account and utilize the " Contact Us '' link.
Sincerely, XXXX XXXX ''
10/04/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
AZ
85028
Web
A couple of months ago I received an email from Comenity in reference to my Victorias Secret credit card. I needed to make a purchase by XX/XX/2020 in order for my card to remain open, since I had not used the card for some time. Since I did not have a physical card anymore, I logged into my comenity account and requested a new card via the customer service messaging system. The card never arrived after some weeks, so I went into the physical storefront to make a purchase knowing I could use my credit card without having a physical card in store ( I had done it previously ). After shopping for almost an hour, I went to check out and the store associate told me my account could not be located. After another 30 minutes with the associate calling Comenity, it turned out I could not make a purchase because Comenity was in the process of sending me a new card and I could not use my card via the store cashier. I went home and gave another week or so waiting for the alleged card they were mailing me. I finally called Comenity, and after spending an hour on hold, I was told I would be issued a new card with expedited shipping and would receive it in 3 days. It has been a week since that phone call since I gave the USPS a few extra days to send me my card, and today I received an email saying my account has been closed. I still have 20 days until my account was supposed to be closed due to inactivity per the email I received originally, with documentation on my account showing I have tried MULTIPLE times to use and replace my card, yet now I have a closure on my credit for a higher credit limit account that I have had for 10 years. I am XXXX.
05/13/2019
Yes
Credit card or prepaid card
Store credit card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
GA
30135
Web
I told them that I ran into health issues and can not pay at the moment at all. Each representative still tried to force me into payments that I let them know I can not pay at all due to being XXXX and sick constantly.
Was talked to rudely and asked about type of health problems that has nothing to do with payment and was told it was people with bigger issues that can pay still. I asked them not to contact me anymore because it was harassment being theyre calling 3 times daily and I specifically said I cant pay at the moment. I was contacted on Saturday while in church and asked representatives not to call and said it was very inconvenient. They called back twice from unknown numbers while I was still in service and left messages within an hour of me saying Im in church and not to call. Also Sundays, on XXXX XXXX I was sick in bed and couldnt be with my family but my phone kept ringing from unknown and blocked numbers and it was always XXXX XXXX. Constant harassing phone calls after I asked not to be contacted and arguing representatives when I am sick and unable to defend myself. Im sick daily and any communication Ive had with the representatives, my day ends up worse. Most days I cant get out of bed but if I speak with them, Im worse and cant keep anything down due to XXXX XXXX and XXXX. Stress aggravates these XXXX. Im unable to eat any kind of food and have been on Boost ONLY for 3 years now and I try hard to eliminate stress so I can keep down the Boost and avoid another feeding tube. Ive had my doctors track my weight and I was doing well until they started harassing me and now Im looking at another possible feeding tube.
10/10/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
MN
55379
Web
Servicemember
I have been trying to resolve an issue with my XXXX XXXX Credit card for quite some time now.
In XX/XX/XXXX I moved to a new address for College and changed my email from an old email to a new university email. I stopped into the XXXX XXXX MN XXXX XXXX store to change my address and email. I spoke to the girl at the desk, she took down my information and said she would put it into the system.
After a few months, that spring ( XX/XX/XXXX ), I logged into my XXXX XXXX online account and saw that I had missed several months of payments. I had received NO mail or emaila notifying me of these missed payments/late fees so over those months they were adding up. I called XXXX XXXX and told them that I had no idea that I owed anything all this time because I wasn't receiving any notifications from them, they would not remove the late payments from my record, they only lowered the late fee cost, which I paid over the phone that day.
Since then I have been denied for a car loan and not qualified for my home loan application. I have no other issues with my credit, I've never missed a payment before this incident. It's extremely distressing that a small late fee under {$5.00} had brought my credit from a steady XXXX to under XXXX. Since I took action to change my address and email at XXXX XXXX XXXX MN XXXX XXXX XXXX the fault for this issue is not mine and XXXX XXXX should remove all delinquent payments from my record.
I have investments and savings and a steady job, there should be no reason that I can not get a car or home loan. XXXX XXXX had a chance to right this wrong the many times I called them and they still haven't.
Thank you,
07/30/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
MA
02780
Web
How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the ccb/Children Place due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
06/18/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CO
80227
Web
Last year we purchased a bike and were sold on getting the store credit card for XXXX XXXX through Comenity Bank. We were sold on the idea of 0 % financing for 12 months, which we naively understood as 0 % financing for 12 months. The idea sounds great in theory, but Comenity Bank will charge you all accrued interest from day 1 if you don't pay every dime back before " the promotional period '' ends. We have used 0 % financing before throughout the years for other purchases and never have we encountered such a predatory term before with any other lender or bank.
Due to the pandemic, my wife getting diagnosed with XXXX, and the state of the world to be fair, we made a mistake and paid the balance of {$420.00} twelve days after the promotional period ended. The original purchase amount was over {$5000.00} so the interest charged to the account was {$770.00}. I found out about the balance due today, XX/XX/2020. I called and tried to explain, but due to the bank 's predatory terms, none of the representatives could help albeit their best judgement and understanding told them I had a point. One representative told me to appeal the finance charges and two of the representatives provided me some guidance in how to do so. All I got out of the calls I made today were, " the finance charges will stick '' because the " terms are the terms ''.
After doing some research on social media, I noticed that predatory terms and lack of compassion are the values this company stands for. I know that I am not alone in filing complaints against this bank. They have clearly shown they care about their numbers more than they care about their customers.
08/14/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
CT
06095
Web
Date : XX/XX/XXXX Amount : {$930.00} Action : I called the credit card company to complain about this accrual interest charge on my account after I received my statement on XX/XX/XXXX when I had a pending balance of {$160.00} on my account. I was n't aware i was going to be charged this amount as I was informed when taking the card that if I had n't paid the total amount by the end of a promotional 18months period, I would be charged the interest for the remaining balance on the account. To my surprise, when i received my statement on XX/XX/XXXX, I saw a charge of {$930.00}. I have called Zales for complaint and try to resolve the issue, but the customer service offered to remove 50 % of the charge and I have to pay the other 50 %. However, I could n't understand why 50 % was offered and not everything, even considering that I have already fully paid off my account after seeing the amount charged. If I received my statement on the XX/XX/XXXX, showing the charge, I would have addressed the interest immediately but the customer agent could n't understand that apart from my statement where the disclaimer is hidden I would n't have know that the agent in the store that made me get the card was lieing to me. But, I get all sort of promotional emails weekly but I was never sent an exclusive mail of this interest charge to alert me. I wanted the agent to reverse the contentious charge but the agent kept telling me that if I do n't accept the charge immediately, I will never be given another option, even after telling the agent I needed time to think about the offer of resolution considering I was very dissatisfied with what had happened.
09/17/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
TX
78265
Web
I sent {$200.00} toward my BJ 'S PEERKS MASTERCARD. on XX/XX/2020 I only got credited for {$100.00} I am in BJ 'S Hardship Program which now I consider just a Title they came up with, because they still add on Interest and Late Fees, When I told a Representative named XXXX she said : we don't have to go by your Governor 's Executive Order of not adding on Interest charges and Late Fees. Then it got into a heated argument and I cussed at her, and told her, : I will see a Bankruptcy Attorney in order to File for Bankruptcy and they will not get the Balance. As BJ 'S just is not working with me paying off my balance. My Balance was {$4300.00} as of XX/XX/2020 as of XX/XX/2020 my Balance jumped to {$4500.00} BJ 'S MASTERCARD added on {$38.00} RETURN FEE from XXXX XXXX XXXX. Even though I was calling in the payment by telephone BJ 'S was not properply crediting me my payments.They also added on {$38.00} in Interest charges that they were not supposed to. They not only not working with me with the Hardship Program THEY CLAIM I'M In. But They add on these additional charges and go against the Executive Order of our NJ Governor XXXX XXXX.Therefore. I will see a Bankruptcy Attorney and he will file for Bankruptcy in my Name. I wrote at least 4 Letters trying to resolve this but they BJ 'S MasterCard will not work with me. And does not apply Credits as payments. I was Corresponding with the Card Issuer Comenity Capital Bank XXXX XXXX XXXX XXXX, Ohio XXXX My BJ 'S HARDSHIP PROGRAM was Set up by XXXX Her Phone Number Is : XXXX EX. XXXX BJ 'S Payment Address Is : BJ 'S Perks Mastewrcard XXXX XXXX XXXX XXXX XXXX TX XXXX Customer Service XXXX
08/19/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
KS
66047
Web
Older American
The business of XXXX XXXX ( XXXX ) closed, I believe on XXXX, before processing all the returns in their warehouse. On approx XXXX I received clothing which I tried-on. I kept 3 & returned 9. The returned totaled approx. {$300.00}. I placed my order before the final sale however the paperwork in this box said " final sale '' on every item. on XXXX I called/spoke to XXXX supervisor before returning items due to this issue. I was told XXXX would accept all back, as I ordered before final sale. He gave me a mailing label by email & a Code XXXX to write on Return Form for 4 items going in a separate box. The 5 remaining going back in original box " would go & clear as was, -no need for special handling. No charges for any of these would be on card. '' I mailed on XXXX & tracked these two boxes arriving on XXXX. I called XXXX numerous times. three times I received back order items so old I had not remembered ordering. I could not send them back ... Phone always ringing- no answer. The message was something like " Covid-19 was causing delays a & they were unable to accept calls at this time ''. Then it started saying something like " taking no calls '' Then " soon to close ''. My bill on XXXX said {$500.00} Typically I pay full balances but this situation I paid {$200.00} on XXXX. My balance on card now shows {$390.00}. On approx XXXX I spoke with legal council. Was told write letter to credit card & do not pay anymore until things are worked out. Letter was sent approx XXXX copies sent to legal council, Comenity Bank XXXX XXXX , & their Customer Service XXXX XXXX , XXXX XXXX XXXX XXXX pending Attn to information, and now you as well.
08/18/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
AL
35210
Web
Servicemember
I purchased 4 utility vest from XXXX XXXX on XX/XX/2020 in the amount of {$100.00}. The order arrived in the middle of XX/XX/2020. I called customer service on the date the items were received and reported that it was my first time ordering from them and that every item I received was damaged or used. The customer service told me to return the items and use the return label provided in the packaging. I informed the customer service person that there is a fee for returns and that my order was damaged before I received it and she said that she would credit the full amount of the purchase but I must return all of the items. I returned them on the day I spoke with customer service. XXXX XXXX received the return on XX/XX/2020 and the return was processed on XX/XX/2020. I checked my credit card account and all of the funds were refunded and that resulted in a XXXX balance on my credit card with XXXX XXXX. Shortly after that my account was closed and then I started receiving a bill. I called several phone numbers provided by XXXX XXXX and the credit card stating that my account was closed. I could not log in to check anything because my credit card statement said the account was closed. I have spoken with all of the people necessary to correct this and all they do is send me a bill. Now my credit report states that I owe them and I do not have a single thing from them. I never paid them anything because the products were received damaged or defective. I received a call today/XX/XX/2020 from an unknown number and it was XXXX XXXX Comenity asking for payment. I refused and stated they need to check their records and not contact me again.
05/13/2020
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
FL
33032
Web
On XX/XX/XXXX, I opened two new online savings account with Comenity Direct. One account for a savings fund, which I deposited {$690.00} and the other one as a family vacation fund, which I deposited {$1300.00}. It turns out that two additional transfers went into each fund. I noticed it first on Saturday XX/XX/XXXX, an additional transfer of {$660.00} was being transferred to Comenity. I immediately contacted Comenity and requested that they cancel the transfer. The young lady I spoke to told me that she will put in the stop and someone would call me. By the way, it has been 3 business days since my call and I am still waiting for a call back. I also asked her if she saw another transfer being made and she mentioned no, I see nothing else. I called Comenity on Monday XX/XX/XXXX to see what was going on since I see that the money is still coming out of my account. They told me I needed to call my banking institution to stop that, which I did call XXXX XXXX XXXX but we had to wait for it to finish processing before I could proceed. I called Comenity again on Tuesday XX/XX/XXXX because now an additional transfer was made for {$1200.00}. I called them to stop this and get my money back. I was told by XXXX the supervisor that there is a hold on my money until XX/XX/XXXX. Okay I call them again today XX/XX/XXXX and now they tell me the hold is until XX/XX/XXXX. They have almost cleaned out my bank account and I need to make payments. I have no access to the money they took and I cant get it back. This is ridiculous how a bank can hold your money for no reason especially during this difficult time that the country is going through.
02/09/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Application denied
OH
44145
Web
I am a XXXX with credit score ( FICO ) of XXXX and credit utilization of less than 2 %. My credit history is since XX/XX/XXXX. I have never been late in making payments responsibly inmy entire life.I earn close to {$480000.00} annually and am a credit worthy customer.
10 days ago, I applied for credit card for XXXX XXXX company as I had become their customer as of XX/XX/XXXX and obtained insurance on my three XXXX XXXX cars and three XXXX XXXX vehicles and our personal property. The card was through XXXX XXXX of XXXX Ohio. I wanted to give my full loyalty and business.
Today, on XX/XX/XXXX, I received a letter from XXXX XXXX that I have been declined for credit citing reasons that I have high credit utilization and low level of authentication indicating identity fraud.
Bank never confirmed my income as a XXXX working for more than four XXXX and serving as XXXX XXXX who was trained at XXXX and has never had a negative credit event.
I tried to approach te bank however as you can see from the attached letter that bank does not publish its phone number. I called the bank and its representative refused to give me phone number of the approval/denial department citing that I need to call XXXX which we all know, does not make creit granting decisions.
I believe that bank violated Federal laws under Federal Equal Credit Opportunity Act and State laws in Ohio which prohibit discriminationagainst a person of foreign descent who is a US citizen. My last name is the reason for refusal of credit. XXXX XXXX failed to comply with teh laws that require that " all creditors make credit equally available to all credit worthy customers.
10/19/2018
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
MI
48036
Web
I have a credit card with XXXX XXXX, provided by XXXX XXXX. I've had this card since XX/XX/2017 and received several increases and had those increases then taking away because the bank is stating I should have never received them because they were done manually. when the the bank constantly does this it takes a big hit on my credit score and it's very shameful to try and make a purchase and later find out during check out the funds have been taken away. one minute my limit is XXXX the next XXXX and now XXXX. I have always paid my credit card bill on time never late not once and the bank has even stated I have a excellent payment history with them. This bank is horrible not only with constantly decreasing credit limits but also stating you have other accounts with them that you never opened in your name. A couple months ago I contacted them about an account I noticed on my credit report called woman within and told them I never had an account with his company and the charges were not mine, they still have not removed this item from my credit report. I'm at all wits end ... ... .. I Don't understand how this is considered acceptable. Another thing that really bothers me is, when they decrease the limit I call to bring it to there attention, they then say if you agree to apply for an increase we can do an application to see if we can approve you. The sad thing is, when you choose to agree to that it lowers your credit score. When in fact if they would just leave your limit where it is, you wouldn't be calling in the first place!!!! I Have other credit cards and never have this problem with them going back and fourth on my limits.
02/10/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
NC
28027
Web
Servicemember
To whom it may concern, Thank you for service.
This complaint is concerning a Victoria Secret credit card account. This account was opened XX/XX/XXXX. It reports on my consumer file as CB/VICSCRT. This account was closed and charged-off as a bad debt and sold to XXXX ( XXXX XXXX XXXX ). I paid the account if full to XXXX XX/XX/XXXX. They in turn removed there mark from my consumer file. This account is closed and reports to XXXX ONLY as CLOSED, PAID IN FULL by Victoria Secret and still remains on my consumer file today.
A cancelled debt or a charge-off is considered income according to the most recent IRS instructional publication. Furnishers of information are required to report debt to the consumer reporting agencies, not income. Why is this account still being reported? Victoria Secret never sent me a 1099c.
15 U.S. Code 1681s-2 clearly states the duty of furnishers of information. Its states they shall not furnish any information relating to a consumer to any consumer reporting agency if the person ( corporation or company ) knows or has reasonable cause to believe that the information is inaccurate. I have put them on notice numerous times. I have disputed this account personally over 10 times and have hired 2 separate companies to get this item remove from my consumer file. The inaccurate reporting of this account has been detrimental to me and my familys ability to obtain credit and to qualify for a XXXX Veteran Home Purchase. I am demanding that Victoria Secret remove this inaccurate and invalid information from my consumer report because they are in clear violation of the law.
Thank you for your time, XXXX XXXX
03/13/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
11790
Web
Older American
I made a purchase at XXXX XXXX XXXX online on XX/XX/XXXX for {$950.00} and another on XX/XX/XXXX for {$760.00}. I was billed for {$950.00} and attempted to pay this through the telephone automated system on XX/XX/XXXX. The automated call said " thank you for your payment '' and I assumed all was well until I received a letter in the mail that the payment did not go through. I followed up the letter with a phone call to XXXX XXXX on XX/XX/XXXX and spoke to a human who took my debit card information and assured me that I now had a zero balance for all purchases made to date including finance and late charges. On XX/XX/XXXX I received a phone call from XXXX XXXX The gentleman told me XXXX XXXX XXXX actually owes me money because I have a credit for {$2600.00} and I know I did not purchase that amount of merchandise. He said I had to contact Customer Care during regular business hours. I called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX to straighten this out. The XXXX women I spoke to did not have any record of a {$2600.00} credit but they said I now owe {$800.00} for the XX/XX/XXXX purchase plus late fees and finance charges on that bill which I never received AND I was told on XX/XX/XXXX that I was at a XXXX balance for all purchases made to date. I asked if I paid this bill will I have a XXXX balance and she said yes. Again, incorrect as she did not mention a {$2.00} purchase I made last week. More late fees and finance charges would have been added to that. It seems to be their policy to ensure there is always a lingering charge the consumer is not made aware of so they can continue to add finance charges and late fees.
08/30/2021
Yes
Debt collection
Medical debt
False statements or representation
Attempted to collect wrong amount
TN
37412
Web
I am reaching out to you to see if I can finally resolve this matter with this stubborn company. I have written them serveral times requesting validation of this derogatory closed account that continues to stain my credit worthiness.
Repeatedly they have written me telling me that they SOLD the account to XXXX XXXX XXXX. They are not the ones reporting this on my credit ; CCB/XXXX is.
They did not send me medical records proving that I owe this debt, nor did they show me what right they had to sell my information to a third party without my consent. Now I have this credit collector attempting to collect on a debt I do not owe them thanks to CCB/XXXX violating my HIPPA and PHI rights.
Prove that I signed a HIPPA or PHI release allowing you to sell my private medical information to a third party without my consent. I am beyond LIVID at this point and I am trying to be amicable for the last time before I turn all this evidence over to my lawyer and have our day in court in my state and I will sue you for up to {$10000.00} or the maximum amount that my state allows according to FCRA and the OCR. You are well aware how serious HIPPA violations are.
Do theright thing and DELETE this account from my credit reporting with XXXX, XXXX and XXXX. As you can also see from the attachment, the information that was reported was completely inaccurate and false. Prove your rights or I will see you in court and you will lose more than what you are claiming that I owe you. This is my final attempt to get you to delete this closed account from my account. You are the one who put it there, you take it off. Take this matter very seriously.
09/16/2020
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
CA
92336
Web
Older American
On XX/XX/XXXX I spoke to a representative regarding a final loan payment on my account balance of {$1100.00} which I found out the payment was used towards another loan that I have with this company. The representative XXXX stated " that is the way it is done when you make a payment it goes to all your loans ''. So, there was nothing he could do about it. I asked to speak with his supervisor XXXX, who reiterated there was nothing they could do. But since I have been such a good customer, he could remove a mere {$5.00} of interest charges that had been applied. I feel like I have been deceived and this company engages in false practices. I am reaching out to you in hopes that you can assist me and be made aware of this company 's practices while doing business in the State of California.
To explain further, I have a total of three loans promotional plans with this company. Each loan has its own promotional pay off date. My first plan ( dated XX/XX/XXXX ) however due to the covid-19 I called and spoke to a female representative ( name unknown ) in XX/XX/XXXX and was granted a 90 day extension.
hence providing me with a new promotional pay off date XXXX XXXX in the amount of {$1100.00}. However, this company applied {$68.00} to another plan pay off date ( XX/XX/XXXX ) and {$140.00} to another plan pay off date ( XX/XX/XXXX ) which left {$950.00} towards the loan that I called in to pay off and they state that because the {$1100.00} was not paid off in full I still owe them {$230.00} for which I was not aware of nor told by the representative when I called in to make that pay off payment.
Thank you in advance for your help.
06/06/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
MA
01778
Web
This is a classic case of predatory lending. I opened a Credit Card with Arhaus through Comenity Bank, to purchase furniture that apparently was on a 12-month promo plan that ended XX/XX/2020. I am enrolled in paperless billing, and I am on auto-pay so I did not receive any notifications from Comenity that my account was coming up due. When I logged in today XX/XX/2020, I realized that I had been charged {$9400.00} in finance charge ( over 40 % in interest! ) over a one month period -- - I called their customer care today, XX/XX/2020 at XXXX ET, to question and request a waiver so I could pay the balance remaining. Their account reps told that the Terms & Conditions specified that I could be charged the finance charge since the promo period ended on XX/XX/2020 and they only have a 3-day grace period. Comenity is hiding behind the Terms and Conditions fine print, and the reps said that they don't send any notification to inform about an upcoming due date. I have been on the phone with Comenity multiple times over the last year, but I was never made aware of the 12-month promotional period, by either Comenity or Arhaus when I signed up. I feel completely misled and cheated, especially when I am calling within ~30 days of the apparent promotional end date to pay any balance due. They are choosing to add this financial burden without owning any responsibility / accountability / humanity. I am a young mother with a newborn, and really can not afford such a huge fee charged by Comenity.
Please help me hold Comenity accountable for what feels like absolute consumer fraud and predatory lending practices. Thank you so much!
XXXX
03/22/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
60626
Web
On XX/XX/XXXX, I applied for a credit card at the XXXX in order to get furniture. I was approved the same day and ordered =my furniture right away. My FURNITURE was delivered on XX/XX/XXXX which I believe is the payment date. I started to pay {$100.00} the XXXX or XXXX of every month while my minimum payment in the contract was {$47.00}. A few month later, I found out that my credit card was charged late fees by XX/XX/XXXX which is associated with the XXXX. I called them to know the reason. In response, the Representative of XXXX XX/XX/XXXX said that it because I was supposed to pay the XXXX of every month, allegation that I disagreed with. However, I request to schedule the payment date the XXXX of every moth because it's my paid day and give her my credit card information for autopay and She told me to call the XX/XX/XXXX to get a final approval of the request. In XX/XX/XXXX, I called and the Representative told me that my payment date will now be the XXXX. In XX/XX/XXXX as I was expected the payment to be updated, nothing happened then I called again. In response, the Representative said that the billing circle does not allow them to place me on XXXX, so they schedule the payment date the XXXX of every month. I was so embarrassed with this kind of customer service and told him that the XXXX won't work for me due to budget. Now, they've been charging me over because last month they did not receive my payment. I have been having hard time dong business with the XXXX. I am embarrassed. They are just taking advantage of me because they are not making any effort to well manage my account and keep my credit in good standing.
08/03/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IN
47909
Web
Older American
Back on XXXX XXXX, XXXX I contacted Comenity Bank about the 2 finance charges they had on my transaction sheet where I pay my bill. It listed two finance charges. When I asked them to explain themselves, they beat around the bush and did not directly answer me. I told them I wanted a full explanation and here is what they said : Although your interest rate did not change, other terms in the account have changed. To align purchases with the new terms, all purchases prior to XX/XX/XXXX will calculate a separate finance charge from any purchases after XX/XX/XXXX. When I inquired what the " new terms '' were they did not answer me. I told them I wanted a printed copy of the terms as well and still nothing. When I said if they did not explain things to me I would contact the Consumer Finance and let you know what was happening.
Comenity discontinued my card back in XXXX without a full explanation and I have not made a purchase with that card for nearly 3 years! The thing that has happened now is they went in and altered the transaction information and took off all the 2nd finance charges that were showing! I would like a credit for all those charges I was wrongly charged and a written explanation of what those " change in terms '' were exactly. I also found out they are doing the same thing to my Blair credit card account too!!! Two finance charges on them. Please make them stop and give my credit and written explanation. No other company is doing this. I do not have the card any longer so I can only provide the last 4 numbers of the account from my statement. Also, the ID number from my last contact with XXXX XXXX is XXXX.
12/03/2019
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened to sue you for very old debt
CA
94517
Web
This company just called me at work XX/XX/XXXX about a " debt '' from XXXX saying. A very rude guy told me if I dont pay them {$460.00} they will be sending someone out to sue me. I asked him several times to lose his aggressive tone or I will be hanging up. When I asked him for some sort of verification of the debt he said they are not able to supply that to me without submitting a judgement against me. I told them that if that is what they need to do then go ahead. I will be doing my own research about this so called debt. He then said he will send me something if I make a payment arrangement first. I said ummm no I am not giving you any money without a verification. i said I will call the credit company myself and get to the bottom of this. He was very rude and aggressive and said that they no longer have the case and will not know what I am talking about and it is pointless to even call them. I need to settle and speak with them only. I said I would like to hear it from them and see what happens. If you need to send me to court in the mean time than I understand but I am not handing over any money until then. I then asked him to stop calling me work and gave him my cell. They then insisted to speak to my boss and said Im tired of arguing with you so let me talk to your boss so they can find out when I get paid and how much I make! I told them he was not in and unless they have a court order to deduct wages it is pointless to speak to him and if they call me again at work I will file a harassment complaint. They then said they will contact my boss on his personal cell. I said do what you got to do and then I hung up.
02/19/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
MA
01540
Web
Servicemember
On XX/XX/XXXX - I opened a XXXX XXXX Membership and the Customer Service promoted a XXXX XXXX - My XXXX XXXX Mastercard so that I could earn rewards. I agreed and the Customer Service clerk at XXXX XXXX ran the credit application through and it was approved for {$6000.00} dollars at a 14 % interest rate. The XXXX XXXX XXXX XXXX XXXX Mastercard earned 3 % cash back at XXXX XXXX XXXX, {$.00} cents off each gallon of gas and 2 % cash back at non-XXXX XXXX XXXX XXXX.
I shopped and purchased items for XXXX. I waited for thXXXX XXXX XXXX XXXX XXXX XXXX Mastercard to show up and instead on XXXX XX/XX/XXXX I received a letter stating they were closing my account. I didn't understand this because I have a XXXX credit score and I always make my payments on time. I called XXXX XXXX and the agent at XXXX XXXX said that they closed it because " I was a risk ''.
I received the statement for my purchases and I earned {$5.00} cash back which was never given to me.
I feel the whole process is a giant scam to promise people earned rewards and then close the account within a month.
1. XXXX XXXX was quick to close the My XXXX XXXX XXXX account at a 14 % interest rate- but they have since allowed me to open 2 accounts at 30 % interest rates.
2. XXXX XXXX absorbed the money I earned in cash back ( {$5.00} ). The CFPB should examine all of XXXX 's credit line accounts for any that go through a credit check to get pre-approval to be opened, and then subsequently are closed within the next 30 days. This is fraud. If I was a credit risk, they should have denied the credit card immediately BEFORE I was allowed to make any purchases.
06/20/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
MD
21244
Web
On XX/XX/XXXX, I bought a XXXX laptop online for {$2100.00}. Unfortunately, the product did not perform well to my expectations, but I had to keep the product because I can not return after 30 days plus they would also charge for restocking fees and shipping. I am also dissatisfied with the purchase because XXXX XXXX promotional offer was misleading me to buy the product, thinking I would make full payment same as cash by 18 months and pay evenly for every month. On XX/XX/XXXX, I called and filed a dispute, a rep told me that I will not have to pay for interest while in the process of investigation. But when I received the statement, it was frustrating to see that interest is continuing to accrue. No one called me right away to notify me by phone or at least by EMAIL that my dispute has been cancelled, but just send a letter that I received more than 1 week later.
XXXX XXXX XXXX is no longer contracted with XXXX. I have sent in a request to have the right not to pay the remaining balance if I am not happy with my purchase as instructed on the statement on XX/XX/XXXX, but I did not received a respond until today.
I have also contacted a lawyer, but I can not pay the fees. It is distressing to go through this process as I can not pay the fees, unhappy with my purchase, the company is ignoring my hardship. Furthermore, it is an unfair business practice to mislead ads and not have a AUTOMATIC PAYMENT WITHDRAWAL option, the customer would have to remember to make payments every month. They need to change this as it can be frustrating for customers. My interest in now {$780.00} when I missed making a full payment in XXXX.
04/16/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
FL
33416
Web
On XX/XX/XXXX A payment was made to my credit card for the full amount which at the time was {$1000.00} from someone unbeknownst to me. On XX/XX/XXXX I made a payment of {$300.00} to my credit card like I always do through my bank application. After checking my statement the next month I see the payment that was made from the other party, a refund for the {$300.00} payment I made and a few charges for requesting a refund and making a payment over the phone of which none I requested or did. Apparently the {$300.00} payment I made was refunded to the person that did the other payment the day before and they payment for the full amount they did over the phone was declined. I called my credit card company they claimed that It all came from me, which it didnt. I didnt have that amount of money in my bank account nor do I ever pay my credit over the phone, so they opened a case, then after a few months denied it demeaning me responsible for the changes. I called again they opened it again, I received no answer. They said I should send a letter and my bank statement since they are saying it all came from my bank account so I did all of that, still no answer. I did it to show them that there was no charge for {$1000.00} and also no refund for {$300.00}. Im losing out on {$300.00} and a year worth of interests on those {$300.00}. And the credit card company keeps giving me the run around even though I follow their steps. I havent use this credit card since and have asked them to not allow any other ways of making payment but by the bank application so that its known its me making further payments in any case this happens again.
03/08/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
92037
Web
I am a XXXX father with an XXXX son. I constantly need to buy clothing for my son. One of the stores I frequently visited was Carters. Almost every time when I paid for my merchandise, the cashier tried to convince to apply for a Carters credit card. They gave me a number of reasons for having the credit card, such as discount on the first purchase and accumulated credit points for subsequent purchases. I declined and I told them I did not want to carry any overlooked balances on my credit card. They latter assured me that would not be a problem because I could pay off immediately any credit card balance at the point of purchase with cash. I told them I would have the card if that would be the case. Thereafter, I paid cash every time I made any purchases. Nevertheless, in XX/XX/XXXX, I received an invoice from Carters with an overdue balance of {$45.00} on an original purchase of {$21.00} made on XX/XX/XXXX. That is, there was an additional charge of {$23.00} ( penalty plus interest ) on the top of the {$21.00} purchase. I called Carters and complained. A person from Comenity Bank ( the finance partner of Carters ) answered and asked me if had any proof of paying the original payment of {$21.00} at purchase. I told her that this was a small amount and I possibly paid cash and might not be able to locate the receipt even if I kept it. However, I was sure I paid the {$21.00} before they allowed me to leave the store. Further, that was what I did all the time. The Comenity bank person said that they would investigate. However, they kept mailing me letters asking me to show them proof of payment of the original purchase.
06/17/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
10456
Web
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.
1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX Account Number : XXXX This is not mine.
11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
12. Identity Theft XXXX Account Number : XXXX This is not mine.
13. Identity Theft XXXX Account Number : XXXX This is not mine.
14. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine.
15. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine.
16. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
17. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
18. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
08/16/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
CT
06118
Web
Comenity Bank 12 month promotional (XXXX XXXX)Invalid interest and fee charges: $XXXX total Last statement: Due Date payment XX/XX/2019 Owed $XXXXPayment of $XXXX went through on XX/XX/2019 Hello, I have been a XXXX XXXX customer for years now. 12 months ago we bought a set of wedding rings on a 12 month promotional plan, interest free. I have been paying my monthly payment on time every XXXX of the month to Comenity Bank (XXXX XXXX Credit card Bank) since I am a good customer. When we bought the rings they explained to us that we would have no interest if paid in full by the last statement due date which was XX/XX/19. My payment on the last statement went thru on XX/XX/19 which is perfect according to the due date listed in the statement under "Payment Information." (Payment due date) I paid all my 12 statements on the XXXX of every month required by the due date.I spoke to their customer service department and they had said that the Real Due Date was in a small box in the middle of the statement page, and that box was not even on every statement only the last couple, which is a very deceptive way to have the customers not notice it. Every customer knows that the due date is under their payment information and that due date listed XX/XX/19. I believe this is very deceptive way for the XXXX XXXX customers putting two different due dates in the same statements.Comenity Bank which is the bank that gives out the loans to XXXX XXXX, sent me a letter saying that the charges are valid and that they will not remove those charges. I claim that the "fees charged" and "Interest charge" be removed from my account.Thank you
03/12/2021
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
IL
60618
Web
I am filling a complaint in the manner in which my account was handled. I had a Comenity Bank Credit account on behalf of WayFair. I was eager to have this account as it helped my XXXXredit score significantly as I made payments on time and even in advance. I was blind sided in XXXX of XXXX when I found out that WayFair and Comenity Bank would be severing their ties and my account was closed. I found this out when I looked at my credit report and found that my credit score dropped significantly due to the decrease in the number of open credit accounts, seeing as my Comenity credit limit was at {$4000.00}. I also noticed that the Credit Bureau was reporting that my balance was {$0.00} with Comenity/WayFair. I called Comenity in XXXX to get clarification on the matter and the representative was not sure as to the status of WayFair and Comenity and why my Credit Report was showing a {$0.00} balance. In XXXX the status on my report has remained at closed for the account but is showing that I have 3 month past due balance of $ 150+. So not only has my score decreased significantly after paying on time from the beginning of my relationship with this Bank but it has also affected my on time payments reported to the credit bureaus. I've called a Bank representative and paid the account down. However, I do not feel that with this current situation of my credit due to the closure of the account that I can even apply for credit with any other company. I've also found out that WayFair offered a new card with their new creditor to some of their clients but the offer was not extended to me even though I had 100 % payment status.
11/25/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
FL
32808
Web
I am a victim of Identity Theft .I discovered the issue in XX/XX/XXXX and have been trying to work with XXXX to get the issue corrected Since XX/XX/XXXX. I have sent all the required documents to XXXX to get the fraudulent accounts off my credit without any success. I have filed a report with both the Federal Trade Commission and County Police and XXXX refused to remove the fraudulent accounts. XXXX always sent a generic response and I am beginning to believe they are not taking the time to investigate my dispute.I received two letters from XXXX both dated XX/XX/XXXX, in one of the letter XXXX stated they are unable to locate my credit file in their database with the identification information I have provided. I have sent XXXX my Identification and SSN on numerous occasions and they said they verified the accounts belong to me now they are saying they can not locate my credit file in their database. The second letter states they will not blocked the information from my credit file. I am confused with this response and I need XXXX to investigate my claim with the creditors and not just say the fraudulent accounts belongs to me. I have stated in my police report that I am willing to press charges when the police finishes their investigation.
XXXX currently has 6 fradulent accounts listed on my credit report.
Comenity Bank/ wayfair {$5700.00} XXXX XXXX {$1000.00} XXXX XXXX {$570.00} XXXX XXXX {$1600.00} Comenity Bank/ Victoria Secret {$770.00} XXXX {$1100.00} I am not sure how these cards were open in my name because I have only had my SSN since XXXX and should have had XXXX credit scores to obtain these accounts.
04/15/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
AZ
85396
Web
Servicemember
My husband and I signed a 12 month finance contract, which stated that there would be no balance due until the items ( furniture ), were delivered. On our receipt, contract it specifically states " Balance due before delivery XXXX '' at the bottom. Now, our furniture was delivered on XX/XX/XXXX, and I have provided Comenity with that information along with a copy of the receipt that states the contract.
Unfortunately, instead of ending my promo 12 months from the date of delivery, Comenity has chosen to end my promo on XX/XX/XXXX, and they have imposed fees. Now, we paid our bill in full around {$1800.00}, on XX/XX/XXXX, which was less than 12 months from the date of delivery, per our contract. We have sent Comenity the delivery information and receipt of contract, and they have told us that they chose XX/XX/XXXX, as that was placed on our bills. The issue is XX/XX/XXXX is a date of no importance, per contract, as no one received anything until XX/XX/XXXX.
They have told us that they do not need to go by our contract, but only what was listed on our last few months bills. There was no contract modification that we agreed to beyond our initial contract that we signed at the store. I don't understand why they get to not honor the contract because they decided not to, and also they did not provide us with any rationale as to why ( on what legal grounds ) they had to select the XX/XX/XXXX date to end our 12 month promo. They didn't provide us with 12 months, they gave us 11 and some days, which is against our contract. Is this legal? Can they change the rules of my contract at will without my signature or agreement?
10/21/2019
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened to sue you for very old debt
MI
48197
Web
I was contacted by XXXX XXXX XXXX in XX/XX/XXXX for an old credit card debt from XX/XX/XXXX. They called me as a courtesy call to take care of the debt before we went to court. I told XXXX of Assured that I was never served with a complaint and he assured me he had a court date and time, but couldn't provide me with that information when I asked. He told me I was being sued for interest from when I had the account to present, plus attorney fees, but we could work something out. I continued to ask for more info, but he couldn't provide it. In XX/XX/XXXX I received a phone call from their process server location service. They contacted my parents, brother and XXXX year old grandmother saying they had legal papers for me. I returned their call and asked them not to contact my family, which XXXX denied that they did. Again he threatened me with a lawsuit and said I could settle for {$300.00} if paid by XX/XX/XXXX. I agreed to {$50.00} per month with a {$300.00} settlement by XX/XX/XXXX. I never received anything in writing, nor did I sign anything from XXXX XXXX or XXXX XXXX XXXX. On XX/XX/XXXX I was contacted by XXXX and told him I had met our agreement, which he denied and said I had to make payments until XX/XX/XXXX and that he " would have fun with me in court '' and that " he wasn't done with me yet '' and " XXXX XXXX, XXXX you can't just stop making payments " and that he would " embarrass me for sure ''.
Today, XX/XX/XXXX, I received another call from XXXX asking if I was planning on making more payments. I told him I was not making anymore payments as this debt was settled. He told me he would see me in court.
04/21/2018
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
MD
20743
Web
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX RE : XXXX XXXX XXXX Decrease To whom it may concern ; I am writing to you about the recent actions you have done that has caused major damage to my credit scores. The same factors that you have stated that impacted my credit score, XXXX XXXX XXXX did the same damage to my score to have my credit score drop many more points.
My XXXX card had a credit limit of {$3000.00}, to which I only had a balance of {$130.00}. I have been paying my payments on time and I did not have a high debt to limit ratio balance on this card. When XXXX made the decision to lower my credit limit from {$3000.00} to {$200.00}, XXXX created the exact negative impact on my credit report that XXXX claim to be against. Before XXXX action against my excellent payment history with XXXX, I was at 5 % usage to my credit limit. Now that XXXX XXXX XXXX has lowered my credit limit, Im at a usage of over 60 % to my credit limit.
My credit report is supposed to be use to tell the truth about my spending habits. XXXX XXXX XXXX actions have falsified my credit report to say that I am using over 60 % of his available credit when in fact I was only using 5 % of his available credit limit.
With the facts being stated above, I am asking XXXX to re-evaluate this process and to reinstate my credit limit so that the negative downward spiral of my credit scores can stop and return to moving upward in a positive manner.
I do not believe the XXXX is in the business to intentionally damage the credit scores of the XXXX card holders or any individual that make payments to them for their clients.
Thank you,
03/17/2021
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
NY
14564
Web
I received a collection call regarding a credit card that I have never received, or ever requested.
In order to respond to my questions, they requested personal information. Since I had not initiated the phone call, I refused to provide personal information. They therefore refused to provide any information about what the call or balance was for. They were requesting a partial payment of {$50.00}.
The company then sent me a text message that provided a link to again request my personal information. This appeared to very suspicious - I have always been told never to provide passwords or personal information to a request by text.
I then received a statement in the mail - the account is stated to be with a COMENITY Bank for a BJ 's card. There is a stated balance of {$120.00} which includes late fees of {$69.00} and interest of {$2.00}. By subtracting these amounts from the balance, there appears to be an underlying charge of {$50.00}.
The statement suggests that I have a {$750.00} credit limit.
I never requested a BJ 's card, and have never heard of COMENITY Bank. I also have never received a physical card for the account. I am still not convinced whether the statement is in fact valid.The statement does not provide a full identification of the credit card number, and since I never received or requested a card - I do not know what my account number is with COMENITY Bank. If I seek resolution with that Bank, they require the release of personal information before addressing any questions or resolution. Since I am suspicious that the entire arrangement is a fraudulent, I will not release that information.
05/18/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
78654
Web
Hello. So I opened a Children 's Place credit card back in XXXX to take advantage of the promotions they were offering. I am very good about making payments for ANYTHING on time. I have a 99 % on time history with my credit report. However, I realized in XXXX I had forgot to make my payment from XXXX. So i called and made my payment. When I paid, there was no late fee showing so I assumed I did not accrue one. Apparently the day after I paid my balance in full, the added on a XXXX dollar late fee. I was never emailed anything besides promotional emails from them, and never received anything in the mail. They called me in XXXX stating I owed XXXX dollars as they were charging late fees FOR my late fees ... never was notified again. So I called and negotiated with them, and they knocked my balance down to XXXX dollars. I paid them, and all was supposedly final. Today I received an email of a statement saying I again owe them a XXXX dollar late fee, and XXXX dollar interest charge for paying my late fee that I talked to them in XXXX about, 8 days late. Not one person told me this would happen, or that I was paying anything late. So now I am being charged late fees almost every month when I owe them XXXX money. They refuse to take the fees off, and made me pay them twice now. I feel this is extremely inappropriate, and slimy. I feel let down that even though this is clearly not right, they refused to take the charges off, and instead told me I would be sent to collections for not paying them. Please please help. I do not want to spend my monthly pay check on nonsense rather than feeding and providing for my family.
10/29/2019
Yes
Debt collection
Credit card debt
Communication tactics
You told them to stop contacting you, but they keep trying
MI
48708
Web
Comenity Bank has been harassing friends and family for the last month regarding a credit card account with Victoria 's Secret that has not been paid on since XX/XX/2013. My mother has been called from multiple numbers and also unknown numbers through Comenity even after she asked for them to stop contacting her since it was not my number. Comenity told her they would not stop calling unless I called and requested them to stop. They also have told her my information regarding this account that I did not give them permission to discuss with her. I did call to request to stop calling her and all other numbers but my own and within a week they had called my mother 3 more times. I'm aware I have a debt and needs to be paid. But they have also threatened to sue because I would not/could not pay them when I called about them harassing my family. They have called my father multiple times, and even my mother 's ex-boyfriend whom I have not associated with in almost 15 years. When I requested a letter with my last statement and payment date they refused saying they could only send a letter with a balance I owed, but no breakdown of principal and interest and could not put in a letter when my last payment date was as my account was closed and in archives. I sent a letter to the address they provided me with to obtain this information and have stated they did not receive this and still will not send me a statement. I am still receiving calls myself but will ultimately mail a cease and desist letter if they can not give me this information. Unfortunately even after mailing that I do not think they will stop contacting me.
08/02/2017
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
HI
96707
Web
My wallet had been stolen from me on XX/XX/XXXX, around XXXX PST. Once I realized my wallet had been stolen, which had my Victoria 's Secret Credit card in it, which is issued by Comenity Bank, I called the toll-free number provided by Comenity to report my card stolen. Customer representatives were not available, but an automated service provided the option to report my card stolen. I followed all the correct prompts but at the end of the prompts, the automated service told me it could not assist me with my reporting my card stolen. I called again, and followed the same prompts to report my card stolen and was told again that the automated service was not able to report my cards stolen. So, I decided to wait to call back when a customer service rep. would be available. A week later I received notification from XXXX, that XXXX and XXXX reported there was a change to my account, which was that my Victoria 's Secret credit card account had been closed as of XXXX/XXXX/2017.
I reached out to Comenity Bank who confirmed that my account had been closed by their automated system, and the only option to remedy this was for me to re-apply for the Victoria 's Secret card again. I have been a cardholder with them for 4 years. Even though the mistake was their own, they had no solutions to remedy the injury they caused me. Now, I have a closed account on my credit report because of a mistake that their automated system caused. This will impact my credit score, and I refuse to reapply because reapplying for the credit card will also affect my credit score when it pulls a hard inquiry to determine my approval for the card.
04/13/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TX
76448
Web
Servicemember
I purchased two automatic feeders from XXXX on XX/XX/XXXX using my XXXX credit card. The feeders arrived and did not work properly. I reached out to XXXX and got nowhere with them. They stated since the feeders had been used, they could not be returned. I submitted a dispute with my XXXX credit card which is issued by Comenity Capital Bank because I was not satisfied with the goods I received. I got a letter in the mail stating they would review my dispute, and notify me in writing once it was finalized. To date, I still have not received a letter stating the outcome of my dispute, but I have called them on the phone and they said my dispute was denied because it was after the 30 day return policy. Per the terms and conditions on my credit card statement " you must contact us within 60 days after the error appeared on your statement '' which I did. The letter was dated XX/XX/XXXX which was within the 60 days. I met all the criteria of " if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may the right not to pay the remaining amount due on the purchase ''. I am including all correspondence between myself and Comenity Capital Bank with this complaint. The only letters I have received to date from Comenity Capital Bank are dated XX/XX/XXXX - We are working on your dispute and XX/XX/XXXX - directing me to contact XXXX customer service to help with my question. I have not received anything from them regarding the dispute being denied due to the 30 day return policy as stated on the phone.
03/30/2017
Yes
Credit card
Transaction issue
MA
01923
Web
This is in regard to Comenity Capital Bank of XXXX, MD, dba PayPal Credit. I was approved for a PayPal Credit ( revolving credit line ) account a couple weeks ago. Each time I have attempted to use my account for a purchase online, it has been denied, which requires a phone call to them. I have spoke to them 9 times now, each time about 30 minutes. Every time they tell me there is some kind of security flag on my account. About half the time they are able to verify my identity using public records, and then the transaction will go through. The rest of the time, they just tell me I have to " wait '' ( no time specified ) because there is nothing they can do to over ride their computer system. Neither of these is an acceptable business practice. What use is a line of credit if you can not use it? No one can tell me exactly what is flagging my account. Regardless, they have verified my identity so many times, and using so many methods, that they should know my entire life history at this point. No one can seem to permanently remove this flag due to it all being computerized, and no one can permanently over ride their over-zealous computer system. And while most of the reps I have dealt with have been friendly and empathetic, no one can resolve the issue. I need this resolved permanently so I can confidently use my approved line of credit during travel and for other purposes. Right now, it 's a shot in the dark each time, and only half the time they have been successful in temporarily resolving the issue. There has go to be someone further up the food chain who can keep these flags from showing up on my account.
10/26/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
PA
19146
Web
On XX/XX/XXXX, XXXX XXXX was sent a debt validation letter. A copy of this letter has been provided for reference. The letter was sent official certified mail.
On XX/XX/XXXX, I received a response from XXXX XXXX regarding my request for debt verification. Within the response from XXXX XXXX it provided a letter from " Comenity Bank '', the alleged original debtor '', that " XXXX XXXX, XXXX. is entitled to pursue the collection activities and other legal remedies to collect the " unpaid balance '' on your charged-off accounts. ". The letter from the alleged original debtor " Comenity Bank '' was dated back XX/XX/XXXX. Said correspondence was alleged to be sent to my former home address. However, I never received this information.
In addition to the letter from the alleged original creditor, XXXX XXXX XXXX, also advised that they " were uncertain of what you are specifically disputing ''. My debt validation letter was quite clear regarding the information I was seeking. It is my conclusion that XXXX XXXX does not have appropriate proof of ownership of the debt in question. Also, it is my conclusion that XXXX XXXX created the letter aforementioned on their own behalf. I investigated a " Commenity Bank '' and their organization, it appears that the header utilized in the correspondence differs from that of the original " Comenity Direct Bank '' logo. Per the FDCPA, this is not a sufficient proof of ownership of the debt nor an adequate demonstration of my ownership of the debt. Given as such, it is my strongest suggestion that XXXX XXXX XXXX. consider this complaint and agree to the fair resolution requested.
11/18/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
13601
Web
Hello, My name is XXXX XXXX. I am contacting you today in regards to a few issues. One being that I made several attempts to close a " XXXX '' credit card, owned and operated by " Comenity Bank ''. During this time, I spoke with Customer Service in direct relation to the account, asking for a " audit '' of the account ; furthermore, it was requested that an investigation be started to determine the ownership of the debt.
I granted permission to allow my Attorney to speak on my behalf and about the issues at hand. A " Debt Dispute '' was filled out and sent to the parties.
To date, nothing has been sent to me as was requested as far as the information pertaining to the ( alleged ) debt. I myself know firsthand that the debt may be linked to my account, but i am not the person that used the credit card, running up a high bill.
As I have currently been living in XXXX New York, in a township called XXXX, then moving 45mins away to a city called XXXX. I have not been in or around the State of Pennsylvania since XX/XX/2019. So the debt request investigation that was made, was for a good reason. The involved company 's have yet to work with and or accept a payment of {$25.00} dollars. I was told that the minimum payment due at the time of the conversation was well over {$150.00} dollars.
It would be greatly appreciated if someone could look into the matters and get back to me to further discuss the matter in its entirety.
Thank you in advance for your time, attention, and consideration into this matter.
Very Truly Yours, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y XXXX
01/18/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
GA
30066
Web
Older American
XXXX Applied for a credit card with XXXX XXXX by ( Comenity Captital Bank XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ) XXXX I charged XXXX XXXX received billing for {$17.00} XXXX I paid the {$17.00} with direct paycheck from my bank XXXX. Check attached. You will note on the front upper left corner the account # XXXX ( that's my new XXXX Credit Card #. ) You should note on the back of the check is information showing Comenity deposited into their Bank XXXX XXXX my check on XX/XX/XXXX. ( Due XX/XX/XXXX ) Note on the back showing their deposit of my XXXX XXXX XXXXit was deposited this in XXXX # XXXX. ( thats my XXXXXXXX XXXX XXXX XXXX ) COMENITY DEPOSITED MY PAYMENT IN WRONG ACCOUNT. ( That is my XXXXXXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX Received a Billing Notice from XXXX for {$36.00} ( XXXX ) for LATE PAYMENT FEES ) I have called and talk estimate 10 people to try and clear this.
XX/XX/XXXX Customer Care said they could resolve the problem. The assistant said to clear this I would have to pay on line to her {$13.00} and she would waive all fees and charges from from my XXXX XXXX and apply the amount to my XXXX XXXX, because the credit of XXXX had been credited to my XXXX 's card. I did that.
( the letter where Customer Care cleared the problem is attached. ) XX/XX/XXXX -- XXXX I have called many times and written many letters.
XX/XX/XXXX -- billing was for {$89.00} on account XXXX continues to grow as all amounts were paid and cleared in XX/XX/XXXX I'm attaching a screen shot of where I tried to send them info on their site but all I ever get when I send is there was a technical glitch and was not received.
02/13/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
MI
48180
Web
I received my credit report from XXXX. I filed a complaint with them. The complaint was simply there is another person with my name that has a credit card I had, and I closed my credit card with that company. The other person with the same name as me ( and my name is common ) has a open/current account with that credit card company. XXXX wrote me back and said all my information is correct. And all my information about me is correct. The problem that there is another person with my same name ( and her account is in good standing ) that is on my report. The credit card must of got us mixed up because we have same name and credit card. What the bottom line is I closed my account with that credit card. There is one currently open that is not mine. I just wanted her name and account removed because that particular account is not mine. I am wondering if XXXX even looked at the situation closely. If they did, they would seen two accounts with the same credit card. The difference is mine is simply closed and hers is open. How hard is that. But there are 2 different account numbers that I told XXXX. If they looked at it, they could see that the credit card put the other person with my name ( she even lives in the same city as me. I don't know her personally, but I know of her. Why? Because she also actually goes to the same dentist as me! The dentist came in and said I have not been in awhile, and I said I did. They checked the record and seen the other person with my name has not been in awhile. Anyway, I know me and her don't have the same social security numbers, but this credit card made a mistake. Thank you.
10/15/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CA
91505
Web
I believe that Comenity Bank intentionally deceived its customers including myself in regards to promotional financing offered through its account. I can explain it in two steps.
# 1 The first being paperless statements. We all want to do what's right for the environment so when the option to enroll is available I click yes. So I did. Problem is they list the promotional finance summary on PAGE 3 of the statement. This is not available or shown AT ALL on their companies WEB INTERFACE. It doesn't exist.
# 2 Is the web payment options. There is none. It is the only credit card I have that didn't have the option of enrolling in RECURRING PAYMENTS. After all, If I sign up the promotional financing instead of the reduced price on the item purchased, I'm obviously planning it out to pay all of the financed amount off in a 12 month or less period. Comenity didn't have a recurring payment option until recently. I believe this was intentional on their part and the retailers. The customer chooses to pay the higher sticker price to get the reduced financing charges. The finance company then makes it impossible to set up recurring payments and in turn its a double dip.
The reason for this email is I was dealing with a parent in hospice from XX/XX/XXXX - XX/XX/XXXX and I did not know that my promotional period was ending. So when I made a payment it was too late and I got whacked for {$770.00} worth of finance charges. When I asked them to remove this and explain my situation in a calm manner they said NO. This is a disgusting business practice and Im sure it has happened many times over.
Thank you, XXXX XXXX
02/17/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
NY
10901
Web
This all stemmed from a fraudulent charge from XXXX which closed over a year ago from covid. initially, it took months to resolve which I did after days on the phone with Comenity XXXX Visa. A year later charges appear from XXXX in XXXX NY which we have never stepped foot in ( my husband was a member in XXXX NJ ) and I called Comeninty for weeks and finally got a so-called supervisor in their Fraud dept who said he will block the merchant from further access on my credit card and to pay the bill and I will see the credit next month. I then receive a letter a couple of weeks later from Comenity stating the dispute can not go further as they did not have enough information. I contact them again and speak to a supervisor who informs me there is nothing they can do and the person I spoke to initially who handled it was in fact not a supervisor but a customer service rep. Comenity is supposed to protect their customers from fraudulent activity which clearly is, XXXX XXXX Attorney General has already filed a class-action lawsuit with XXXX ( new XXXX XXXX XXXX XXXX as XXXX XXXX entity of XXXX is under investigation. I finally today was able to speak to someone in a supervisory position " XXXX '' ( the ONLY person to show concern and willing to handle ) who is sending new cards and will follow up. Shame on Comenity Bank XXXX Ohio for their lack of consumer protection and to outright lie about policies, procedures and their personal title/rank within their organization and their neglect to protect their customers with such a public fraudulent merchant as XXXX that the attorney general has filed suit against them.
12/27/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
CA
91331
Web
Older American
Received XX/XX/XXXX a written communication from PayPal Credit dtd XX/XX/XXXX about which we were totally confused.
Never applied therefor or wanted. supposedly for a XXXX account charge.
Placed call to ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX P.M.
Customer service indicated they had no knowledge of any such PayPalCredit connection. We received no evidence this account was assigned by XXXX to PAY PAL CREDIT. ( Nor of any XXXX times three charge made on PayPal credit card ). They indicated no knowledge of the Pay Pal missive/circumstance.
XX/XX/XXXX XXXX XXXX. Talked to a one who identified as XXXX.
Demanded the account be closed.
3. XX/XX/XXXX calling ( XXXX ) XXXX at or about XXXX XXXX
Called PayPal Credit : One who so identified herself as XXXX Customer service representative at Pay Pal Credit, After explaining ourselves, and she said she would switch us over to a Specialist. the switch over resulted in a recorded call-announcing closed : " now closed Monday through Friday..call back during the hours ... '' I talked to XXXX XX/XX/XXXX she said she could n't remove the charge of {$12.00}.
No date of purchase.on the letter, nor what the charge was for. PalPal Credit indicated it was one of three transactions.
XXXX said she would move me over to a credit specialist Hung up. disconnected Let it be known we OPT OUT ( and should n't have to. We did n't order the card. Just reciting the terms and conditions of the card. TO WHICH WE DO NOT ACCEPT ) of any arbitration.
Curiously, the company wants folks to download a dispute form, and send to additional places ( costing even more certified postage ).
09/18/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
TX
75124
Web
Older American, Servicemember
Company is Comenity.net/easypay I used credit through Wayfair ( not knowing it was Comenity at the time ). They swear they sent me statements, called and emailed but I never received these messages and only occasionally received statements in the mail. In XX/XX/2021 I called and paid off the bill, per their representative what I paid was the payoff. Since then they have been adding interest and late fees which I have paid several times, today being I hope the last. I believe they have milked me for over {$100.00} in late fees and interest on late fees. They refuse to remove the late fees. Today I called after receiving another bill yesterday for {$30.00}. The statement said the balance was {$30.00}. When I called complaining " XXXX, ext XXXX '' said I had residual interest each payment and they were charging the late fee and additional interest. I paid off, again, what she says is the balance which today was {$30.00} ( different than the statement ). So from this I presume that I am being charged $ XXXX/mth late fees on {$0.00} plus {$2.00} interest ( minimum interest ). This is unfair as I called in and paid off the balance in XXXX. I have been paying this each time thinking I am paying off the account and they keep adding more and more interest. I believe they owe me $ XXXXmonth for XXXX, XXXX, XXXX and XXXX with interest at same rate they charge ( {$2.00} monthly minimum charge ). Today, XXXX told me this is industry standard to keep charging clients this way. It is way out of line and I have never had a bank do this to me. I have hit some hard times, especially with COVID, but I pay my true bills.
06/23/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
TX
75080
Web
I have now submitted all necessary documents including new evidence via mail and now electronically here in connection to Identity Theft on this account reporting on my credit file. I have been professionally advised by my legal team that given this new evidence of the crime this is in blatant violation of FCRA law specifically section 605B of the FCRA. I have hired a private investigative team and legal counsel and have been supplied us with new evidence regarding this crime including fraudulent addresses and suspect information that I have since updated on official legal documents in connection to this crime, including updated FTC Identity Theft report. Please note that I've had to have new GOV Identification issued due to the compromised identity and have been advised professional that due to the crime I have legal binding rights to pursue this to the fullest extent possible. Additionally, I'm awaiting further action and evidence to pursue this as long as needed until rectified. The time, damages and monetary loss are being added up and will be all added in connection to this crime. Please update your records and stop reporting inaccurate information about a credit file that is not mine.
I'm requesting that the following fraudulent items in connection to Identity Theft are removed immediately from my credit file pending further legal action : FRAUDULENT | IDENTITY THEFT | REMOVE FROM CREDIT FILE : 1. ADS/COMENITY/XXXX VISA | COMENITY CAPITAL | XXXX XXXX Balance : {$4200.00} 2. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
03/06/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
60093
Web
As part of a promotional plan through Comenity Bank and XXXX XXXX in exchange for a low APR I was charged extra fees of which I was aware. I routinely made extra payments above and beyond my normal monthly payment and asked them to pay off different promotional balances with those payments. The company refused to allocate the payments as directed. Instead they kept the promotional accounts open as long as possible to charge more fees. They would keep a {$2.00} balance on a promotional plan and change {$2.00} in fees month after month. I paid over {$500.00} a month every month when the minimum payment was much much less and additionally I made separate individual payments to pay off these balances. I utilized their own " secure message center '' and phone calls to dictate how payments were applied, as they requested I do. The directions were ignored. I called repeatedly to rectify this problem. After one of the phone calls the messages on their " secure message center '' that I had sent with my payment directions all vanished. Luckily I have copies. When they refused I asked for a payoff amount. I promptly paid that amount the same day and closed the account. Again I received a bill for {$15.00} more dollars in fees. I am being threatened with credit bureaus reporting for this amount in their last communication. The account was paid off 2 weeks ago and has never once been late. I have great credit, a long history of credit accounts and am a conscious consumer. I will NEVER utilize any comenity product again. I will also not be shopping at XXXX XXXX any more for their support of these predatory lenders.
01/23/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
FL
32810
Web
Back in XX/XX/XXXX, I was wrongfully terminated as stated in my first complaint with the bureau. I contacted XXXX XXXX ( XXXX ) credit card customer service around XXXX to inform them of the situation. They offered a hardship program and I accepted. Months went by as I continued to make the payments. I signed into my online account to check and see the progress I made, then discovered XXXX XXXX, the insurance program I signed up for was charging my card as usual. I realized it slipped my mind that I had been paying for insurance, however, no one reminded or offered this benefit at the time. On XX/XX/XXXX, I contacted XXXX about this, they said I would have to contact XXXX XXXX, I did. I was told theyll take care of my payment due that month, in the meantime, I needed to provide documentation of unemployment. I was sent an email the same day from, XXXX Not sure why the form is dated XX/XX/XXXX now ... but I received it XX/XX/XXXX. On XX/XX/XXXX, I completed and emailed the paperwork as instructed. I cant find the first follow up letter I received in the mail but last month I got a letter stating I needed to verify I was unemployed. I called XXXX XXXX and told them that I did send the info, the rep said I will be receiving another form with more detailed instructions. As you can see where it says, Second Request I got the exact same notification. Im still responsible for my payments to XXXX and still being charged for insurance so Im not making any progress. XXXX XXXX is taking between $ XXXX {$13.00} a month and my monthly payment is {$13.00}, I owe {$650.00}. This shouldn't be if I have insurance.
10/27/2021
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
IN
46350
Web
I filed a dispute with XXXX and the Credit Company. I sent 2 letters to both entities I have requested an answer to unauthorized charges that I refused to pay off.
XXXX offered a credit due to the inconvenience and I asked the card to put an identity theft alert and the first time they apologized and blamed the first customer service representative. The second time I was told that unauthorized charges are theft when a beautician practices were shady at best. I kept her present from my birthday and told me I could smoke if I let her do my hair for an event on my birthday. When at the counter my charge was double and told the beautician I couldnt go over XXXX and was quoted a XXXX and paid that to the credit card company but the rest as I said to the teller and refused to sign and ignored and processed a card not in my legal last name or address in file and walked out. I was under the impression the manager would reach out and until I seen double on my bill i called and they still refuse to give me the investigation and XXXX will give a credit and thats fine they can than pay the balance for unauthorized charges without a resolution and ignoring every complaint. admitting and giving a credit on email and being charged and hit on credit card is illegal and want this resolved please. my last attempt to arbitrate a illegal transaction and failure by a credit card to shut down a card or resolve any issues showing my signature. Why? there is not one and refused and the beautician needs to speak up as she remembers and needs to be honest when a client cancelled on her and told me she had time to play.
XXXX
06/26/2020
Yes
Credit card or prepaid card
Store credit card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
FL
32904
Web
I have a credit card account number XXXX with XXXX XXXX XXXX through Comenity Capital Bank that currently reflects three 30-59 day late payments during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am a government employee that was furloughed during the month of XX/XX/XXXX resulting from a government shutdown, during which time I did not receive a paycheck until mid XX/XX/XXXX. I contacted Comenity Capital Bank and setup payment arrangements due to the financial hardship I was experiencing as a result of being furloughed and temporarily unable to pay. It was my understanding that my monthly payments would be reduced for a period of 12 months. I made the new lower agreed upon payments but I was not aware that for the first month was delayed due to processing which triggered a late payment on my credit history with all three credit bureaus ( XXXX, XXXX and XXXX ). I was not aware that these late payments were on my credit reports until I tried to refinance my mortgage in XX/XX/XXXX. I sent a letter to Comenity Bank in XX/XX/XXXX requesting that these late payments be removed from my credit report. I received a letter in XX/XX/XXXX from Comenity Bank rejecting my request. I would like this situation revisited. I have since paid off my XXXX XXXX XXXX account and have always maintained a good payment history with this account. I would also note that this is the only creditor that I had this problem with as all other creditors did not report late payments during this time while I was furloughed and setup payment arrangements with. Please have this creditor remove these three 30-59 late payments.
08/25/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
CA
92325
Web
My Comenity Bank / XXXX XXXX account was removed from my XXXX credit report. I recently had an unauthorized charge due to fraud and reported the charge as fraud. Comenity Bank sent me a new credit card with a new account number. However, the old account was removed from my XXXX credit report and the new account never reported.
The following is email correspondence with Comenity : From : Comenity Bank Sent : Monday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department XXXX
Comenity Bank issues your account and responds to all credit related inquiries.
I am happy to go over your account with you. The accounts are reported electronically to the three major credit bureaus every thirty days. The account was reported on XX/XX/XXXX as " Current Account. '' Please allow up to 45 days for the credit bureaus to update your report. Thank you!
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, I. XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, My Comenity Bank XXXX XXXX account is not being reported to XXXX. The account was removed in XX/XX/XXXX after I reported fraudulent charges made to my account.
It is reporting to XXXX and XXXX with the remarks " account in dispute ''.
Can you please see that my account is updated and the trade line reinserted to my XXXX credit report?
Thank you
04/20/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
SC
29721
Web
I paid my card off to a XXXX balance in XX/XX/2019. I made a new purchase in the amount of {$58.00} on XX/XX/2019. I called and informed Customer Service that I had been sick and could not make the payment as I had been out of work. I was informed that my balance was too low for hardship and I did not have Insurance on the account. Since then I have made 3 payments totaling {$110.00}. I looked at my account and realized that I had more penalties on the account that is 4 times the charges in the amount of {$240.00}. I called back for assistance, I asked the first representative to transfer me directly to a supervisor. She told me that she understood and that per policy she had to make an attempt to resolve the account. She removed one fee of {$35.00} and transferred me. The supervisor ( XXXX ) that I spoke with stated that he could not remove any additional penalties or negative credit marks off my report since the previous agent removed one. I informed him that the previous rep credited {$35.00} as she stated that it was policy and she transferred me so that he could better assist me.
I asked to speak with someone above him with more authority. He stated that there was no one else and anyone above him would not remove the fees since the first rep removed one. He refused to reverse the first credit to apply more.
I feel that they know this upfront and applied a credit to avoid adding more. I know that with payments that I have paid the fees could have been taken into consideration as I called before it was this far behind for assistance and was refused, I was not given an option to cure the debt.
04/24/2019
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
OR
97487
Web
In XXXX of XXXX I opened a credit card ( via XXXX XXXX XXXX XXXX XXXX XXXX ) with XXXX ( XXXX Credit card company ) with a credit line of {$4900.00}, I charged {$3900.00} to the card in XXXX of XXXX and paid this card in full in XXXX of XXXX as I sold a house towards the end of XX/XX/XXXX which is where this fireplace insert was installed. In XXXX of XXXX I got a letter from XXXX stating that I had access to use my card through XX/XX/XXXX and after that the card would be closed. I have been trying for 2 days now to make a purchase using this card and am being told 2-3 different stories depending on who we are speaking with. They are stating I have not used the card in 2 years therefor they had to re-pull credit to be sure I was still worthy of using the card, which was then declined. Then they told me my card has been inactive since XXXX of XXXX, which CLEARLY not 2 years since it had activity on it ( which I was NEVER notified of or I would have used the card right away to keep it active ) It has NOT been 2 years since there was activity on the card, it has only been just over a year. Then we were told that there was a glitch in their computer system and the cards were mistakenly closed 2 days early and that the account has been activated and to go ahead and charge the card. We tried and it failed ... .we have been on the phone with XXXX for well over 2.5 hrs trying to get this resolved. My letter clearly states I have until tomorrow to use the card and they are denying me access to my already existing account. There has been a minimum of 6 phone calls to this company trying to resolve this issue.
07/17/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
FL
33147
Web
To begin with, this complaint is two-fold. Back in XXXX, I was late on a payment according to XXXX XXXX XXXX. In XXXX, I sent a payment from my XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX and in XXXX. I constantly checked the account to see if it was debited. The amount was never debited from the account ending in XXXX. I did not find out from XXXX XXXX that the payment did not go through until a month after. XXXX XXXX informed me that the account was reported as closed. I contacted my bank. I was informed that the account was still open. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX has provided me with a letter, letting me know that the account with the routing number XXXX and account number ending in XXXX was closed in XX/XX/XXXX due to a compromise. I have attached the XXXX Letter and XXXX XXXX File. The file has the transactions for the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX to show that the account was still open I have also made arrangements to resolve the issue by using another account, XXXXXXXX XXXX. The account was XXXX, by XXXXXXXX XXXX. I have sent in those payments for XXXX and XXXX. Again, there was no notice from XXXX XXXX/XXXX that the payments were being rejected. I contacted them again to see what was the problem. I was told that the account was closed. I have contacted XXXX. XXXX has provided me with a letter, letting me know that the account with the routing number XXXX and account number XXXX is in good standing.
XXXX XXXX had provided incorrect information to the credit report. They have reported me late to the credit bureaus for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
11/29/2018
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
CA
92821
Web
Several Months ago, I was contacted by a collection agency, XXXX XXXX XXXX XXXX, allegedly on behalf of a dental office in XXXX XXXX. I was informed about {$2200.00} in outstanding dental bills owed to this dental office in XXXX XXXX area. I disputed the information and in order to prove the debt was not mine, I gave my medical information, XXXX XXXX and XXXX XXXX XXXX Information including my dentist information as a means to verify I was not the person owing any dental debt. They verified that I was not the person who owed monies to a dentist office in the XXXX XXXX area and stated they would remove my information from their file.
Despite providing all my personal and medical information that they required and verified that debt was not mine, several months later, I find out that this company filed a negative information on my credit history. Due to this false information, 3 of my credit cards with other companies, with XXXX balances, were closed.
I called XXXX XXXX XXXX to demand that they remove the information from my credit reports and they demanded my personal medical information once again. I declined as I had already submitted to XXXX XXXX XXXX person several months prior. XXXX XXXX XXXX Collection Person refused to call reporting credit grantor to verify my complaint.
I need some assistance to get this information off my credit report as it has cost me 3 credit cards that I kept with XXXX balances in case of an emergency. My credit score has suffered immensely due the failure of XXXX XXXX XXXX 's failure to verify information before destroying an innocent person 's credit report.
03/23/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
92026
Web
After making a purchase with my XXXX XXXX XXXX credit card on XX/XX/XXXX for {$43.00}, I paid the purchase off as well as any late fees in full on XX/XX/XXXX which amounted to {$100.00}. The company continued to charge my account interest and late fees without notifying me of any activity on my account. I had not made any purchases using the card after the initial charge on XX/XX/XXXX. This is because the company had failed to send me a bill for that charge or any information about how to pay off the card, which is why I accrued late fees and did not pay until XX/XX/XXXX. I was weary of the company 's credit policies and decided to no longer use the credit card I had with them. Regardless, the company continued to charge me these late fees and minimum charges without notifying me of the charges on my account - their records show no indication that I ever received any information regarding these charges aside from ONE bill that finally came in XX/XX/XXXX to the amount of {$89.00} which was a result of the minimum charges and late fees that they had been charging my account. The company has acknowledged their mistake and said that they would report the error to credit agencies for the month ofXX/XX/XXXX However, this has been going on since XX/XX/XXXXand my credit has suffered since then at no fault of my own. I would like the false delinquencies, starting XX/XX/XXXX, to be removed from my credit score. The files I have attached show the account statements proving this fact. For the statement of XX/XX/XXXX, it is clear that I made no purchases but the company still charged me minimum and late fees.
03/16/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MT
59718
Web
I'm filing a complaint with Consumer Financial Protection Bureau against XXXX XXXXComentiy Bank. XXXX XXXX was directly paid out of my bank account on XXXX and have not credited my account for the payment. Despite in a timely manner ( XX/XX/XXXX ) I brought it to XXXX XXXX XXXX attention, but it was blown off as not paid and I continue to have accumulated late fees. This needs to be corrected and as well as any repair made to correct my credit report. The bank statement attached showing the payout to XXXX XXXX
From : You Sent : Sunday, XX/XX/2021, XXXX XXXX ( ET ) To : Comenity Bank Subject : Payments Message ID : XXXX I make a payment for {$14.00} to pay off my balance on XXXX from my bank and it was recieved by XXXX XXXX on XXXX. I recieved a paper check for {$14.00} written out to XXXX XXXX. Why was it mailed to me? I have tossed it out. Also, I have not been credited for that payment, which shows paid from my XXXX XXXX XXXX XXXX. Please credit my account to XXXX balance due. Thank you From : Comenity Bank Sent : Monday, XX/XX/2021, XXXX XXXX ( ET ) To : You Subject : Re : Payments Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your credit card account. I'm happy to help you today.
We have not received your payment.
We have not received a payment to your XXXX XXXX account.
Please be informed that the mailing address for the payments is : Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for your loyalty - have a great day.
If you have any questions, please click the reply button.
Sincerely, XXXX Internet Customer Care Team
08/07/2019
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
OH
43907
Web
Older American
I purchased a bicycle from XXXX ( XXXX area ) for {$980.00}. At the store I was never told I owed interest after a one-year deadline. I also found ( 4 ) late fees totaling {$110.00} after I paid off the bike in XX/XX/2019. I called to complain because I had paid much more than the minimum asked every month. A man on the line for Comenity Bank said I shouldn't have had late fees if I paid more than minimum but put me on hold to check things.He later gave me {$15.00} then a total of {$45.00} off to bring my total to {$72.00}. I then paid the minimum of {$30.00} on XX/XX/XXXX to bring it down to {$42.00}. My year deadline was XX/XX/XXXX and after vacation I checked my bill ( after XX/XX/XXXX ) and it showed {$200.00}. They charged me {$150.00} interest plus some {$1.00} fee to make that total. I called again and a woman said there was nothing she could do and said on my statement in big " red '' print tells me of my deadline and interest to be charged. I received one paper bill and there is no red print telling me of this. I subsequently received electronic bills and paid on their website ( comenity.net/trek ). No where on first electronic page or the page where I pay my bill does it say anything about a XX/XX/XXXX deadline. It does refer to " deferred plan interest info '' but nothing about MY interest and a XX/XX/XXXX deadline. They are involved in unfair and deceptive practices.I would have paid the late fees before XX/XX/XXXX as I only owed {$42.00} but I knew nothing about interest after a deadline. The bike sum has been paid, the late fees have been paid and I still owe {$160.00} interest.
11/07/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Card opened as result of identity theft or fraud
GA
30022
Web
We did not sign up for a credit card with this company. We were offered a line of credit through XXXX XXXX XXXX. They said this was where customers got their line of credit through them. We told XXXX we could not afford more than {$300.00} per month, called multiple times to XXXX to find out the financial information since we were not sent home with any information nor did we get anything in the mail. We finally got a credit card bill in the mail for over {$800.00} so we called the billing department for XXXX XXXX XXXX and we asked what they were and they said they were a credit card. We asked about the percentage rate - it is 19.99 % and we asked when this amount was due and how often. It was due in less than a month from the date of the call and it was that amount each month. We asked them to send over a payment list to understand how much and often and they said that we would need to look up that information in the account once we created one with online access. Nowhere in the online information does it show anything about this credit card or the payment plan. They told us we were responsible for these payments and we signed up for them. We have sent a formal request for the paperwork opening this account as we did not open this account, but XXXX did on our behalf without our knowledge. We would have not ever signed up for a 19.99 % credit card for a timeshare if presented to us as such. We never received a credit card in the mail but only a disclosure sheet that says the credit cards interested rate will be anywhere from 10 % -17 % but you'll notice on this bill attached that it's 19.99 %.
06/03/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MA
01355
Web
On XX/XX/XXXX I filed a dispute of a charge by XXXX XXXX. On XX/XX/XXXX, I had purchased two XXXX XXXX shoes and a vintage coat for a total of {$490.00} using paypal credit. When I received the first pair of shoes, as all items shipped separately, they were obvious fakes, so I returned them on XX/XX/XXXX, out of pocket and return receipt requested because the company states they do not accept returns. The company continued to try to ship both shoes to me and I refused all following deliveries with XXXX from the company. I received notice from the company that the coat was no longer available, and they would refund me for this item.
I have sent paypal a copy of the receipt from the post office. I've tried to forward the emails from the company about the coat, and confirmation that the shoes could not be delivered, but paypal does not accept .doc files. I tried copy and pasting all this info into their message center, but their message center does not work properly. I have contacted paypal numerous times about this issue. On XX/XX/XXXX, paypal closed my case, stating they had decided in the vendors favor.
I appealed the case the same day, talked to a XXXX from the resolution center, who helped me upload the receipt for the return again. Paypal is aware that I have none of the items purchased in my possession. I've just on XX/XX/XXXX received notice from the by email that they have closed my case again, per my instructions. I have never instructed them to close the case.
Paypal has stone walled me at every point about this dispute and it is clear that contacting them again will be fruitless.
12/18/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
33760
Web
I am a card holder with Victoria Secret, Comenity bank. In XXXX of 2020 I received my first statement and made my payment a few days late due to a mistake on my end. The full balance was paid of {$24.00}. I contacted customer service and was told this XXXX late fee would be waived. Fast forward to XX/XX/ 2020, I was hours late of paying my full statement balance of {$39.00}. Their cut off is XXXX XX/XX/XXXX with absolutely no grace period for payments. My balance was paid in full, yet the next day, my due date is the XXXX, I viewed my statement on the XXXX. I was charged a {$31.00} late fee on a {$39.00} balance. I contacted customer service today to request the fee be waived. I was met with complete disrespect of the supervisor who advised there was absolutely nothing she could do to waive this fee. When I questioned what exactly her bank was doing to help people during this trying time, she mentioned they are working with consumers with large balances to reduce their minimum payments and interest. Yet a consumer who pays their balance in full, with no financial hardship is unable to be assisted with fees. When I suggested that their bank consider sending email, texts, or calls to help remind consumers of their due date she mentioned this would be a waste of resources and we are all adults here. I believe this policy is doing harm to many, not just including myself. This bank has decided to put fees before assisting their customers, allowing absolutely no grace period or assistance for the consumer. Can a bank have a cut off TIME for payments? Especially in such a difficult time for so many.
03/15/2018
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
FL
33068
Web
I have been disputing a transaction with XXXX regarding a purchase that I am 100 % completely DISSATISFIED with for almost a year now. I have filed a " claims and defense dispute '' and they refuse to follow federal guidelines and the guidelines on their own credit card disclosure.
I have tried to successfully resolve this matter with merchant, and also have witnesses.
I have purchased it with their credit card. It was purchased within the 100 miles distance stated on their disclosure and the federal guidelines.
It costs more than {$50.00} - ( ACUTAL PRICE : {$2800.00} ) I have provided XXXXy with over 200 pages of supporting documentation and they have just been over looked as if they meant nothing.
It states under FTC and federal guidelines for a claims and defense dispute - billing rules do not apply.The dispute should be addressed as a claims and defense dispute and be opened regardless if there is a contract or not.
" You can request a chargeback under the claims and defenses provision for any legal reason you have to cancel a sale directly with the seller, including if there's a problem with the quality of the merchandise. You have up to one year from the statement date to make a claim. You must meet four requirements : The disputed amount must be over {$50.00} ; you must be able to prove that you made a good-faith effort to obtain a refund or credit directly from the seller ; you can dispute only up to the outstanding balance on your card ( if your balance is zero, you can't use this provision ) ; and the merchant must be within 100 miles of your home and in your home state. ''
10/09/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
RI
02864
Web
I have a credit card through Victoria 's Secret with Commentity Credit Card Services. My payment date is the XXXX of each month. I post the payment myself every XXXX. They are charging me late fees because the payment is posted past XXXX XXXX on every XXXX, and will not take the late fees off of my account because it is made past XXXX on the XXXX. However, my payment is still the XXXX and the payment is processed for that day. They can only make one refund credit each 18 months which they did for XXXXXXX, but will not refund any further. They said they could they would refund one month but not any further months. They have charged me an extra {$260.00} in late fees for paying past XXXX on the XXXX which is my due date, making my bill {$660.00} instead of {$400.00} dollars. I have spoken to XXXX, the highest manager of commenity who said they will only refund one month and no other months. I want these late fees taken off because i do process on the XXXX which is my due date and he would not help me in any way shape or form and was very rude to me. The late fees also range anywhere from XXXX $ to {$37.00}. It was XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX, XXXX, then XXXX. When I asked about the inconsistencies he said that they have the option for it to go to up to {$37.00}, but then they went back down to {$30.00}? I want to pay the bill of and told XXXX in the future I would set it to draft by the XXXX each month automatically but he refused to reimburse me when I have made the payment every day on the XXXX, but is explaining I have n't because it was between the hours of XXXX and XXXX XXXX.
05/18/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
SC
29910
Web
My complaint is with XXXX XXXX Credit Card. This is in reference to a balance on my credit card of late fees that are assessed on a late fee balance. In XX/XX/XXXX I made a purchase. This purchase appeared on a XX/XX/XXXX statement with a due date of XX/XX/XXXX. I paid in full on XX/XX/XXXX ; however, this was late and a late charge was assessed. The late charge was paid late and incurred another late charge. I contacted them on XX/XX/XXXX ( copy attached ) regarding this and to no prevail. I requested closure on the account and paid a late charge of {$32.00}. A late charge balance remained of which has incurred another late charge. I have contacted them via phone in XX/XX/XXXX and have not been able to resolve this.
I confirmed my account status was closed and the balance on the account was a late fee.
The Customer Care Representative indicated there was nothing he could do and failed to notify that continued late fees will be assessed ongoing. I have not been able to resolve this with the company. I feel that this falls under the Credit Card Act and double jeopardy for charging multiple late fees on a late fee balance. I am asking for assistance with this matter. I am concerned that how can a company continue to assess multiple late fees on their own charges to this account.
I have attached documents : A. Copy of credit card aggreement relating to fees. This area is not explicit and makes no reference to the ability to assess late fee on their own charges to the account.
B. Copies of internet interactions with the company C. Copies of statements from XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX
12/23/2017
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
DE
19962
Web
Received a call from what caller id showed as " private number '' on XXXX/XXXX/XXXX at XXXX and a rude woman responded upon answering that she was from XXXX XXXX Credit Card company requesting to receive payment that I had missed. As I had made payment due on XXXX/XXXX/XXXX and just made another payment online that showed I only owed the regular monthly payment, I responded I would pay online as usual.
She proceeded to state that she was calling from XXXX XXXX that had taken over XXXX XXXX Credit Services and wanted payment over the phone. She proceeded to state that I had made payment over the phone on last payment and stated the last four digits of my debit card and I had made a phone payment. At that point, I responded that I wanted documentation of phone payment as I have proof from their own website that I had all payments online so any phone communication was mistaken. She had also not stated at the beginning of the call that it was recorded or any mini-miranda statement so her attitude and insistence was insulting as her information did not match. As she did not give that information and repeatedly stated she was from XXXX XXXX, I believe their practices and demeanor warranted a complaint especially from my payment history and lack of communication through mail and phone.
As I do not expect any drastic action, change, or response from them, I wished to have the experience documented via CFPB as well as through my own documentation via email and phone records. Please notify me if there is any action I should pursue or if there is another venue I should take my complaint. Thank you.
05/09/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Other personal consumer report
Problem with a company's investigation into an existing issue
Difficulty submitting a dispute or getting information about a dispute over the phone
CA
95822
Web
XX/XX/XXXX I called to enroll ( re-enroll ) with '' XXXX XXXX '' protection for comenitybank/XXXX XXXX. I was told by them that i could not enroll in the protection plan and was not given a reason. they ( XXXX XXXX ) referred me back to comenity/XXXX to call them for enrollment. Comenity/XXXX referred me to the website, which would not allow me to enroll either. then referred me back to XXXX XXXX! This back and forth game ( at my expense ) went on for approximately 2.5 hrs on the phone, from XXXX XXXX. No one would assist me or give me a straight answer! Finally I got through to the customer care resolutions dept, a complaint was sent on my behalf to the escalation dept as well. I received a call on XX/XX/XXXX, from the resolution dept who apologized to me and told me that I would be able to enroll in the XXXX XXXX program. she gave me steps to go online and enroll. I tried and could not get through. I called again to assure, who would not assist me and gave me back to call comenity/samuels. and the nonsense '' ball bouncing '' started all over again! i told them to " stop '', that I've had enough and that I was going to file a complaint! I believe the reason that they are not permitting me to enroll is because I disenrolled in XX/XX/XXXX because I had no idea that they had enrolled me without my consent in the first place and did not understand what the program was about. Also, I am filing the complaint because they are negatively reporting me on my credit -XXXX XXXX showing " closed '' acct. ( involuntarily ) because the store closed. this is causing my credit score to drop by 15 %!
10/13/2021
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
VA
20171
Web
I opened a savings account with Comenity XXXX bank on XX/XX/XXXX. I funded the account with $ XXXX/XXXX from another savings account that I have with another bank ( XXXX XXXX ).
Comenity Direct put my account in 'Restricted ' immediately.
They sent me a secure message in their online banking website asking for copies of my driving license, social security card and XXXX form. They provided me the option of sending the documents either my postal mail or through their secure message on their online banking website.
I submitted the information they requested on the same day i.e. XX/XX/2021.
I contacted them various times using their online secure message and also on phone about when they would remove the restriction on my account and when I would be able to withdraw my money from my account.
Every time I was told that the information is still being reviewed.
I called them today ( XX/XX/2021 ) on the phone and they told me that they received the documents and there is nothing further needed from me. Yet they did not remove the restriction on my account.
Despite numerous follow-ups with the bank, they keep on saying that the documents are 'being reviewed by upper management '.
So I asked them to close my account and refund me the money. They refuse to do so.
It has been one month without the bank letting me withdraw funds from my own account.
They are holding my money hostage on a flimsy pretext of 'upper management is reviewing '. This, in my opinion, amounts to fraud / theft as the bank is refusing to let me withdraw money from my own savings account without any legal reason.
02/20/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
19438
Web
Older American, Servicemember
Comenity Bank handles the credit cards for XXXX XXXX Stores. I have not been receiving mail in a timely manner, and I did not receive my XXXX XXXX bill. When I receive my next bill, I had incurred a late charge of {$35.00}. I called Comenity Bank and asked them to remove this late charge because of these circumstances. She agreed to remove this charge and I agreed to pay the account in full.
I received this bill on XX/XX/2021, and I saw that the bill was due on XX/XX/XXXX. I asked if my payment would arrive on time if I sent it in for XXXX Online Bill Pay to pay it on XX/XX/XXXX. We agreed that this was agreeable, and I asked her to notate my file that I would be closing the account and sending in the payment on that day. On XX/XX/XXXX, I received the attached bill, which I didn't understand ( and I still don't ). When I called to ask about it, I was told by the customer service representative that my balance is {$29.00} : she said my bill is paid, but I still owe {$29.00} due to a late fee because my payment was not processed by Comenity Bank until XX/XX/XXXX, and it was due on XX/XX/XXXX. I was further told that if Comenity Bank did not receive this late fee payment by XX/XX/XXXX, I would have incurred another late fee of {$29.00}. I think I would be given a better deal by the XXXX
My complaint is that Comenity Bank did not honor their agreement to accept my final payment which I told them would be sent on XX/XX/XXXX, Comenity Bank charged me a late fee when I should have a XXXX balance, and Comenity Bank wants to charge a late for a late fee. Isn't that illegal, or is it only immoral?
12/28/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Application denied
PA
18976
Web
i applied for a XXXX XXXX XXXX XXXX mastercard. and i received a email saying congratulations you have been awarded the card. however the company said i was not awarded the card and was only issued a store card.
here is the email. i can send you the actual one with the letter head if you need to see that.
the response from the company we dont know what happened we are sorry Hello, XXXX XXXX You're approved!
Hello XXXX, Congratulations, you've been approved for a XXXX XXXX XXXX XXXX Mastercard. Even better, you're all set to enjoy the perks of your new account.
Look for your welcome kit to arrive by mail in about the next 2 weeks.
CHECK OUT YOUR BENEFITS About this Activity We sent this message because you submitted an online application for credit.
Questions or Concerns Visit Account Center for easy access to frequently asked questions. Our Customer Care team is here to help, too. Just call us at XXXX ( XXXX XXXX XXXX XXXX Mastercard XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Mastercard ) ( TDD/TTY:XXXX ).
Copyright 2020 Comenity LLC. This site gives access to services offered by Comenity Capital Bank.
XXXX XXXX XXXX XXXX Mastercard and XXXX XXXX XXXX XXXX XXXX Mastercard Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
Please do not respond to this email. Replies to this address can not be serviced. To ensure delivery, please add XXXX to your safe senders list.
Privacy | Security | Contact
04/06/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
12538
Web
I purchased bedroom furniture from XXXX XX/XX/XXXX and XX/XX/XXXX prior to the current pandemic lockdown conditions. On XX/XX/XXXX, their delivery service called me and scheduled delivery for Monday, XX/XX/XXXX, to the room of my choice, which is the service I paid for when purchasing the furniture and what enabled me to purchase the furniture. Friday, XX/XX/XXXX, a customer service representative from XXXX called and told me that they would only be able to deliver the four chests of drawers to my doorstep due to COVID-19 restrictions. I live alone in upstate New York and have no way to get the furniture that weighs hundreds of pounds each inside, much less upstairs to my bedroom. If delivery to the room of my choice had not been an option when purchasing from XXXX, I would not have purchased the furniture at all. XXXX 's customer service representative told me to hire a local moving company to bring the furniture inside and to the room of my choice. Under the current extraordinary pandemic conditions, no one would be able to cross a threshold to do that. I initiated return of the furniture to XXXX. They classified the return as a " buyer 's remorse '' return and deducted {$230.00} for return shipping from the refund to my XXXX credit card. They were not able to perform the service I paid for when purchasing the furniture that enabled the purchase of heavy furniture in the first place. Because they would have been able to deliver the furniture to my doorstep, XXXX considers that fulfillment of the purchase contract and chose to classify the return as " buyer 's remorse, '' which it is not.
06/18/2020
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
MD
21208
Web
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXXat XXXX XXXX Subject : Please Investigate Comenity Bank Retailers card scam To : XXXX Sent from my XXXX Hello my name is XXXX XXXX, I am being scammed by Comenity bank a credit card provider for companies The Childrens place, New York & Co. , Forever 21 and Victoria Secret. My original credit from XXXX was {$500.00} Comenity bank then lowers my limit to {$300.00} and began to charge overage fees along with late fees. I then began to pay close attention to my other cards to find that my limits were also changed on them as well incurring overages and late fees.
I reached out to the company Comenity bank they stated that they would change my credit limit to its original limits but did not. I reached out to them again and told them I will not summit any payment until my accounts are corrected. Comenity bank credit cards has impacted my credit scores plummeted to a negative status. Im currently paying the price due to the corruption in which has affected me in detrimental way.
I am now in debt over {$2000.00} due to the company charging overage fees as well as late fees even through COVID-19. The initial credit limits are fluctuating tremendously and the company charges major fees on each of those 4 accounts. They are not willing to correct my account and was nervous when I said I had an attorney, that is the reason Im reaching out to you. Im a XXXX employee of 18yrs and this company is ruining my credit. PLZ HELP!!!!!
My name is XXXX XXXX, contact info is ( XXXX ) XXXX XXXX and/or XXXX. Thank you!!
05/27/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MA
01460
Web
Comenity - BJ Perks Mastercard automatically charged me the membership renewal and sent me the bill, which I received on XX/XX/20. I called the bank on the same day, explaining that I did not renew BJ membership. The bank representative said I have to speak to BJ customer service and forwarded the phone over to BJ. BJ customer service confirmed that they will send the credit back to Comenity bank ( ticket number XXXX on XX/XX/20. ) BJ customer service also said she will email me ( XXXX ) confirming my account is clear, but I never received any email. BJ also said the refund will take place in 6 days ; so it would have been XX/XX/XXXX. On XX/XX/XXXX I received the 2nd bill from Comenity bank with the original charge plus {$2.00} fee charge. I called Comenity bank the 2nd time, explaining the the whole problem and asked the bank customer service to clear all the balances then close my account. The bank confirmed that the balance was XXXX and closed my account.
On XX/XX/XXXX I received the 3rd bill from Comenity bank with the balance representing only fees of {$30.00}. I called the bank, spoke to XXXX ( or XXXX ), then XXXX and XXXX. XXXX wasn't able to resolve it because of his authority, which is understandable. XXXX said I have to pay the fees, even though he knows it's not my fault. XXXX finally was able to resolve it by reopen the account and credit back all the charges. XXXX confirmed with me that the account bears XXXX balance as we spoke. I appreciate XXXX efforts cleaning the mess BJ and Comenity bank created. I want to make sure I won't receive the 4th bill from Comenity bank.
04/05/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MI
48390
Web
I attempted to pay Wayfair account before services mailed my first statement. The day I received the statement I paid the Bill in full. The next month I received a late payment fee. I called to request it to be waived. I was told due to Wayfair and XXXX dissolving their partnership they would not waive. I called more than once, and no resolution. Mail in my area was delayed due to COVid-19, with the post office being shut down. Every month I got an additional late fee and report to my credit bureau. I filed a previous a complaint with CFPB. In the mean time I continued to resolve the problem until one person at XXXX threatened me. Stating that it was mot his fault I didnt pay my bills, and that I could pay {$75.00} today and no other offers would be given to me. ( I had explained I was waiting for CFPB, and he continued to talk threaten me. ) this person also stated he knew when I received my bill, but clearly did not ... and continued to say I failed to pay my Bill or listen to me. This account has now ruined my credit score that I have spent the last 3 years repairing. As a consumer, I was at their mercy to do the right thing, they did not. I thought the CFPB was to protect consumers like me? Last week I was able to speak with an XXXX rep and he cleared up my account balance. Now, Im left with a suffering credit score. What recourse do I have? How can XXXX be responsible for the actions and comments of its staff. I tried to resolve this situation as soon as it happened. And I feel it should be illegal they way I am being treated. How can XXXX be forced to revise my credit reporting?
02/04/2018
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Problem when making payments
OH
44133
Web
Older American
XXXX is not prioritizing my additional payments to pay off interest bearing loans as they had originally promised they would. In fact, the online Paypal payment system will not permit the lendee to designate where the funds should be allocated. Any payments made are allocated at Paypal 's discretion. I have interest bearing loans that should have already been paid off however Paypal has been paying off 0 % loans as well with my additional payments. I am therefore incurring interest charges on loans that should have been paid off already. Paypal has gone so far as to blatantly apply my payments to a 0 % interest loan that they claimed was already credited due to a cancelled order. On XX/XX/XXXX Paypal posted " XXXX XXXX XXXX XXXX Refund + {$1500.00} '' However as of today, XX/XX/XXXX ( 55 days after this supposed refund ) Paypal credit shows that my payments are still being actively applied to " XXXX 24 Easy Payments {$1400.00} Balance ''.
In my last complaint XXXX refused to take responsibility for the lengthy delay and false claims regarding a prior refund of {$1200.00}. On XX/XX/XXXX Paypal posted to my account " We're processing your refund and your money will be available on XX/XX/XXXX. '' However that {$1200.00} was never actually refunded to me until XX/XX/XXXX. Paypal sent an email on XX/XX/XXXX promising the refund however those funds were only available to me on XX/XX/XXXX. And yet Paypal still shows on my account that the refund was on XX/XX/XXXX. I did not accept Paypal 's response at that time. I have included documents related to that complaint for reference.
Fraudulent!
09/23/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CO
81521
Web
I was very disappointed after securing a Wayfair card from Comenity Bank when needing a new mattress. I thought I could pay the promotional balance by the end of the promotional period to avoid interest, which I managed to accomplish. However, I was unable to schedule payments more than 30 days in advance. I could not schedule a minimum payment either. With my current life circumstances, I couldn't always access my account in a timely manner because I am a single working parent of XXXX XXXX XXXX children in a demanding XXXX XXXX field. They did refund some late fees of {$35.00} for me, but there are still two for a total of {$70.00}. So even though my charged amount is paid off and my account is closed, they are still sending me statements for late fees totaling {$70.00}.
I complained to the customer service agent many times over the course of the 2020 about what I felt were unfair credit practices. What credit card does not allow a minimum payment to be scheduled so you never make a late payment? What credit card does not allow you to schedule future payments so you can easily manage your account with minimum amount of effort and time exerted? Comenity Bank, that's who!!! Because they are making bank off of hard working, over scheduled consumers who don't have a lot of time to micromanage their accounts.
Now they have reported to the credit bureau and my excellent credit has dropped several points.
I can't feel good about paying {$70.00} that resulted from their unfair and unethical business practices and I want this money refunded and my account with Comenity permanently closed.
05/07/2020
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
PA
17601
Web
On XX/XX/2019 I attended a XXXX timeshare presentation with my girlfriend XXXX XXXX. We finally agreed to the purchase with the understanding that there was zero deposit down. On or about XX/XX/2019 I received a letter in the mail from Comenity stating I had been approved for a line of credit. I had no idea what this was for. I called Comenity about the letter I received from them and they said that {$5300.00} was charged for a down payment for a XXXX timeshare. Also, A couple days later I was notified by XXXX XXXX that my credit score had been lowered.
I specifically told our salesperson and her manager that I did not want any kind of credit card or credit account and never authorized her to apply for any credit card or credit account. I personally never applied for or gave any representative authorization to apply for a Comenity Bank XXXX XXXX Credit Account.
I was not aware of a Comenity XXXX XXXX XXXX Account until I received the letter from Comenity stating that I had been approved for a line of credit and then called them to ask them what this was for. Because someone applied for this credit account and charged {$5300.00} to it without my knowledge or consent, I filed a Statement of Fraud with Comenity Bank and asked for a copy of the application that I would have filled out if I had agreed to apply for this line of credit. Comenity Bank could not and would not produce it and they told me I needed a subpoena to get a copy of my application. I never filled out an application nor did I give my consent or acknowledgment for this credit account that XXXX charged {$5300.00} to.
09/26/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MI
49331
Web
I am a XXXX XXXX XXXX and work very limited, part-time hours as a XXXX XXXX XXXX XXXX. During the 14 months I had my XXXX XXXX XXXX credit card, I made purchases totaling {$360.00} and made payments from part-time jobs totaling {$420.00}. I had a balance of {$240.00} ... ALL of which were late fees and interest from when I was XXXX in XX/XX/XXXX and in and out of the hospital/unable to work through XX/XX/XXXX. I was not even able to communicate much of this time as I was on XXXX XXXX medication and endured 5 XXXX. I was diagnosed with XXXX XXXX, more commonly known as XXXX-XXXX XXXX. I am very lucky to be alive, but dealing with many issues as I had to withdraw from XXXX XXXX University and move home to my parents ' house. I was not receiving any of my mail at all as I was not even coherent enough to change my address with the US Post Office. I have called XXXX several times and some of the late fees were removed from my account and I was given a fax number for XXXX XXXX XXXX customer service to explain my situation. I have tried numerous times to fax them all of my documentation of my XXXX, but their fax number does not seem to be working correctly. I can fax anywhere else with no trouble, but these will not go through. To avoid further fees and interest, I paid the balance of {$240.00} on XXXX XXXX. I feel that this should be refunded to me as it is all interest and late charges from a time period in which I was clearly unable to work, communicate with XXXX or pay. I have had to get a loan to pay some of my debts from my XXXX and these fees and interest are adding to the problems.
02/27/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
TX
77573
Web
I have contacted Commenity Bank concerning my Victoria secret and XXXX XXXX account I opened in XXXX, that went into delinquent in XXXX. I have requested them to email me all the payment records and information on whom the sold the account to. I have been given inaccurate information and will like for the Fair Credit to investigate this matter. My credit report states that I made payments in XXXX in which was false. I lost my job in XXXX and was unable to pay my credit cards and car note. I stop paying both credit cards in XX/XX/XXXX. I was told by Commenity Bank my accounts was sold to XXXX XXXX, but when I contacted XXXX XXXX they was unable to locate me in the system. XXXX XXXX attempted to use my social security number but still was unable to find me in there system. I called Commenity Bank back and explained what the representative told me from XXXX and still got the same information again. Commenity bank does not provide accurate information to consumers and is not following the guidelines of CFPB. Commenity is selling consumers information to unknown companies and risking identity theft to people like myself. On my credit report Commenity Bank does not have a phone number, I had to XXXX this address to call them. This is company is fraud and if I dont receive the information I need, my next step is to get a law suit in place. I should have a option to know where my information went and be able to have the option to settle the debt.
Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number None provided - Comments Transferred to another lender Purchased by another lender
10/13/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
PA
19106
Web
On XX/XX/2019 i inquired to credit agencies why my FICO score had gone from a consistent XXXX to XXXX i found an outstanding bill for Comenity BankXXXX XXXX for purchase of a sofa chair, 3 dining chairs, and a dining bench. i had never received a bill because they did not have our apartment number. They said my account was undeliverable. i paid the {$2100.00} immediately on XX/XX/XXXX after being mistreated by five less than polite people in their collections department. The process took two hours.
Although they were able to deliver the furniture to my apartment in XXXX, which required them to call me and find my apartment, get another {$1000.00} payment by phone, they were not able to deliver my statements! At the time of payment on XX/XX/XXXX, i asked to receive a detailed billing which they said they could not do but i could go online. They could not give me my account number to go on line but said that now that they had my correct address ( apartment number was missing ), they would send a bill and i could do that. They said my credit rating would be repaired since i only missed two billing cycles.
it is XX/XX/XXXX, i have NOT received ANY statements and my credit rating is even lower ; not allowing me to refinance my mortgage. I am still unable to review my statement nor do i have my account number. How do they manage to contact me and make arrangements for and deliver furniture yet not get me my statements for me to make payment in a timely manner?
i have written the bank a letter and sent an email with no response. Pottery barn has informed me that it is not their issue.
08/01/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OR
97212
Web
I purchased an item at XXXX XXXX through a credit card issued by Comenity Bank.I received an email from a representative at XXXX XXXX that I would be compensated when the item was delivered to make up for a delayed delivery.I was not charged a reduced amount- I was charged the full price and was not issued any compensation. After I contacted XXXX XXXX, they issued a gift card but did not credit my account. In the interim, I was charged late fees by Comenity Bank. I called a representative at Comenity Bank and spoke to him for an extended period of time describing the situation. A significant amount of time passed before I received a written notice from Comenity Bank that they did not have all the information they needed to process the dispute. I then had to submit the dispute in writing, which included the email from XXXX XXXX promising compensation.In response to my written dispute to Comenity, they said the late fees, finances charges, and charged amount were all appropriate and said the case was closed.The compensation that was promised only materialized in the form of a store credit after I contacted XXXX XXXX. The phone conversation I had with a representative of Comenity Bank led to a delay because that representative did not gather all of the required information to process the dispute. During this whole process I incurred late fees and finance charges. They also reported a 30 day late payment to credit reporting agencies in XXXX. The item was delivered in XXXX and the promised compensation was not issued until after I called to inquire once the item had been delivered.
01/03/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
LA
70517
Web
I was contacted yesterday, XXXX/XXXX/XXXX, on my cell from a number in XXXX, AK XXXX XXXX XXXX XXXX in regards to an alleged unpaid debt on an old XXXX credit card that was paid on XXXX/XXXX/XXXX, in the amount of {$160.00} to XXXX XXXX XXXX XXXX. I told them it was paid and they wanted me to read them the information off of the receipt that I had. I told them it was at home and I could let them know tomorrow. The guy I spoke with stated that was fine. They also contacted my in-laws about 20 minutes after I spoke with them. I called the facility this morning, XXXX/XXXX/XXXX, at XXXX, it was closed. I called again at XXXX. I was told the person who has my file is out. I explained again I have the paid receipt and was told to call with the information today. The male I spoke with stated he would return my file back to the company that sent it to them since I have the receipt. At XXXX, they called my work. At XXXX, I called the facility again from XXXX XXXX TN ( XXXX ) XXXX, to let them know I had already spoken to someone and the female stated she sees in the notes the contact information and for me to disregard the call. At XXXX, they called my cell again from XXXX XXXX TN this time. I re-explained again that I have a receipt and she asked if I was disputing the claim. I asked her what is the name of their company and she said XXXX XXXX XXXX. I told her yes because I have a receipt stating the debt is paid in full and has been settled as of XXXX/XXXX/XXXX. She stated she would notate my account. At XXXX, my mother-in-law called stated they called their residence again looking for me.
12/15/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
FL
33401
Web
Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Attn : Credit Disputing Department XXXX XXXX : Requesting Removal of 30 Day Negative reporting to all XXXX credit reporting agencies [ XXXX XXXX XXXX XXXX XXXX _ _ _ _ _ _ _ _ _ _ _ _ _ _ ] My name is ______________ and Im a XXXX XXXX XXXX XXXX XXXX Im writing you today because it was brought to my attention yesterday ( XXXX ) by XXXX XXXX XXXX from Comenity Capital Bank XXXX that my account was 30 days past due.
If youre able to check my payment history, I always paid my account in FULL every billing cycle since Ive had my account with your bank/ Bjs membership.
On XX/XX/2021 the financial institution that I use to pay my Bjs account, which is XXXX XXXX XXXX XXXX ( last XXXX XXXX ) was compromised and they immediately closed my checking account pending investigation ( please refer to the accompanying letter from XXXX XXXX, verifying my claim ).
I always attach auto-pay to all my accounts, so I wouldnt come across problems like this ; oddly enough XXXX XXXX had assured me that theyd pay all incoming debits for 60 days as a courtesy, but they dropped the ball this time. I wasnt able to verify which creditors were connected to that account for payments because they totally removed the entire account information/ history from their website.
Id appreciate it if you would notify the ( XXXX ) XXXX credit reporting agencies to reverse the 30 Day Negative report made [ XXXX XXXX XXXX _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ]. It affected my XXXX score drastically, it went from XXXX all the way down to XXXX due to such reporting.
Regards,
11/28/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
MA
02301
Web
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
08/06/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
IL
60471
Web
XX/XX/18-I scheduled a one-time payment on comenity.net.boscovs to process a {$30.00} payment on that same date with an account that I have used before with this merchant 's card.
XX/XX/18-I contacted XXXX XXXX XXXX XXXX after I received an alert indicating that my account was marked as 30 days late. I spoke with a Supervisor name XXXX who informed me that a payment was returned on my account due to an invalid account number. She also informed me that I would have received calls from an auto-dialer to let me know that my payment was late.
XX/XX/18-I contacted XXXX XXXX again after later realizing that my credit limit was also decreased due to this late payment. I spoke with a gentlemen that advised me again that the payment account used was invalid, I then informed him that I have used the assigned checking account before. He indicated that I had never used that account before to draft a payment. on this account, but with a different merchant card that they also carry. He then verified the last 4 of the checking account on the other card and stated that the last 4 numbers did not match the checking account that was used to draft my payment on XX/XX/XXXX. I have since made the payment that was in question and feel that there was a system error because the account I used, that XXXX XXXX swears that I have never used, is actually listed in my XXXX XXXX account profile, and secondly, I would have never received their auto-dialer payment alerts because the number listed in my profile is not my contact number and I am not familiar with whose number that would be, but it's not mine.
10/30/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
MA
02301
Web
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
02/05/2020
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
CT
06902
Web
Servicemember
I applied for a store credit with XXXX XXXX, XX/XX/XXXX and was awarded {$300.00} that night. I then made a few purchases that evening only ( 2 or 3 items ) no where near my limit. I was then told to expect to my card in the mail. I waited over 30 to 45 days and still no card. I then called customer service @ XXXX XXXX, I explained my dilemma I was told my card already was sent. I then replied I never received it & I requested that card be canceled & issue a new one & gave my correct address I also explained why am I receiving a bill at the correct address & my card didnt make it here. I finally received my card in the mail 2 months later. I have a restriction on my card where I can not make any purchases, I do cash purchases only. I havent used my card in years & to date my balance is over {$300.00} so where are my payments going or even being applied. If I am restricted From card usage WHY IS MY BALANCE NOT GOING DOWN AT ALL, also have had my credit limit decreased to {$200.00} dollars with no notification, as I looked at my statement today, I made a payment of {$40.00} on XX/XX/XXXX, my due date & there is a late fee on this bill for {$39.00}. Also I pay my bill monthly in the store, I double & triple my minimum payments due. When I call about my bill at any time Im routed directly to collections @ Comenity Bank, their staff & reps are very rude & unprofessional, always persistent with strong arming additional payments & talk of legislation action, unwilling to assist or even hear any of your concerns. I dont know what to do, this is the reasoning for my complaint. Thank you
01/03/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
MD
20748
Web
OnXXXX i called Comenity BankXXXX to request a payoff amount for that day. I was told I could use the online calculator to get the full payoff for that day. My statement balance was {$2200.00}. Comenity 's online payment option said the payoff for XX/XX/XXXX would be {$2300.00}. That's {$2200.00} for the balance and {$22.00} for interest ( I figured this out today XXXX ). I paid {$2300.00} in full that afternoon. On XX/XX/XXXX, Comenity/XXXX credited my account with {$22.00}. I called Comenity to ask why I received the money. The operator said it was an overpayment. On XX/XX/XXXX, I checked my credit report and noticed my payment still was not posted on all three credit bureaus. On XX/XX/XXXX, I called Comenity/XXXX billing to ask about the credit reporting and I was told I owed {$22.00}. The representative said the fee was because I didn't pay my bill in full in XX/XX/XXXX and that was the fee. After great frustration I asked to speak with a supervisor. She came on and said basically the same thing. She refused to say that they may have made a mistake. She said the fee was because I didn't pay my bill in full for XX/XX/XXXX. She also said the representative on XX/XX/XXXX said I requested a refund. I did not. They said I over paid. She acknowledges it takes 2-3 for a refund to post, but somehow this was instant. At this point, I feel that I was over charged. Instead of marking my account paid in full I have been told 6 different stories. I want this {$22.00} cleared off my account and my credit report to accurately reflect that I paid my bill on time and in full on XX/XX/XXXX.
10/24/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
GA
30022
Web
Servicemember
I previously paid my XXXX account in XX/XX/XXXX and was informed that my Credit Reports would be updated to reflect that my XXXX Account was Settled, however, it is still showing the account Not Settled and Balance of over XXXX. This account was settled through XXXX XXXX XXXX in XXXX, GA and verified payment was made through my account with XXXX XXXX XXXX XXXX for {$2300.00} on XX/XX/XXXX and my account is still showing Not Settled with XXXX Comenity Bank. I have been illegally Discriminated against with these ruthless tactics by XXXXComenity Bank who sold the account to XXXX XXXX XXXX who has also collected on behalf of XXXX. Therefore, my account is not properly reflecting as settled and this is nothing more than a Bait and Switch illegal tactic utilzied and corroborated by XXXX Comenity and XXXX XXXX XXXX. My XXXX Account should be showing Settled because I was promised this would be reported to the Credit Beaurau once the account was settled. Also, XXXX Comenity Bank lied when I called them stating that the account is reflecting correctly and it is not. My balance has been paid in a Settlement Agreement and I was assured that the Account would reflect appropriately on my Credit Bureau. Other Retail Organizations also update the credit once an account has been settled, although it was sold to another entity. I have never heard of such lies being portrayed by Comenity and Bank and XXXX XXXX XXXX through their Bait and Switch Tactics. I would not have agreed to pay the account off if the Agency would not have agreed to ensure the account shows as Settled on my Credit Reports.
02/20/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
VA
22015
Web
Older American, Servicemember
My dispute is with XXXX XXXX over their claim that ignored bills that were set to me.On XXXX XXXX I opened an account with XXXX XXXX, a woman 's clothing store. Beginning in XXXX. I began receiving numerous phone calls from XXXX XXXX which I ignored, not knowing who they were. No messages were ever left by them explaining the purpose of the calls. I then received an e-mail from XXXX asking me to call them concerning my XXXX XXXX account. Since I have no XXXX XXXX account and don't shop there I called them to let them know of their mistake. Before any conversation they demanded that I give them all my personal information including my dob, social security number, etc. When asked what the phone call was about they refused to answer until I first gave them all my personal information. With such an unprofessional approach I assumed they were identity thieves and that this was a phishing phone call. I attempted to call again with the same results. I received my first bill from the XXXX in XXXX for {$190.00}. The amount of purchase was {$53.00}. To this amount they had added numerous late fees. The disputed issue is the fact that I did not receive a bill from XXXX XXXX until XXXX and they are claiming I was sent bills from XXXX Their communications with me all had XXXX XXXX return addresses as well as XXXX XXXX letterhead stationary. Since I have no account with them they were ignored. In XXXX an agreement was reached where I would pay half of the {$190.00}. XXXX XXXX notified all the credit companies of my delinquent payment and my credit score fell from the 800 's to the 600 's.
08/10/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
NY
11229
Web
Servicemember
I first became aware that there is XXXX Credit card opened in my name when I received letter from XXXX XXXX dated XX/XX/XXXX, stating that my account has been closed due to continued security concerns Shortly after I received another letter dated XX/XX/XXXX where it looks like some activity initiated from XXXX has been stopped. After this I received a statement and request for a payment from XXXX XXXX in the amount of XXXX.
I called them immediately and reported this as a credit card fraud and possible identity theft. I have provided as much information as I could at a time and they conducted their investigation. On XX/XX/XXXX they informed me that they can not find any bases to support my claim and that i must start repaying.
I called them and they reopened investigation, and apparently still found no bases. I called them again and had lengthy discussion with their supervisor ( XXXX ) He did not provide much information to me on which they based their decision. I was able to get few things from him. First several payments were made to them, mostly by money order, but one by bank transfer ( he would not say what bank or whose name was on bank ), they mailed a number of statements to the address I verified ( first time I heard of the bank was from XX/XX/XXXX correspondence ). I requested information verbally and in writing but nothing was ever provided to me.
Since then I have filed Identity Theft Report with Federal Trade Commission and signed up for XXXX Protection Now my credit scores are going down and I started receiving harassing phone calls from bank collectors.
09/19/2018
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
FL
33594
Web
Servicemember
Due to financial issues, I looked into and decided to work with a debt consolidation/relief company. Before missing any payments on any of my accounts, I updated all contact information with the debt relief company 's name and phone number and closed all the accounts included in the program. All of the accounts except the ones with XXXX XXXX began working with the debt relief company. Once the collections calls started coming to me from XXXX, I would answer them and inform them that I was participating in a debt relief program and that they should contact them directly. They insisted that they wouldn't and that the calls wouldn't stop until I made a payment. There were days that I received up to 12 calls from XXXX XXXX until I started blocking the numbers I recognized were from their office. I have a few accounts in collections with them and I began answering one out of every five calls I got to remind them of the situation and let them know that they should be contacting the debt relief company. Today I answered an unknown call on my cell phone and told the lady the same thing, that I'd entered into a debt relief program and she told me that they would keep calling me until they received a payment. She also said that my account was going to be charged off after 5 months and asked if I wanted that and told me that it would negatively impact my credit. I have all of my phone records from XXXX showing the excessive number of calls I've received. For example, on XX/XX/18 alone I received 7 calls and those were only the ones that weren't from numbers that I had already blocked.
12/05/2017
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
FL
34210
Web
My complaint is regarding closing my credit card account with XXXX XXXX. First off I would like to say I was never aware of opening this XXXX XXXX 'XXXX XXXX ' store credit card. I did make a purchase with the store back in XXXX XXXX I believe and did give some of my personal information to a store employee just to see what kind of financing I could qualify for. I however was not interested and decided not to use or open a card with them. Since then, it came to my surprise months later, try 6 months later I 've been receiving XXXX XXXX mail regarding the account they 're telling me I opened. In the meantime I never received a credit card in the mail to activate from XXXX XXXX and was never aware of opening an account and here they send me mail regarding my account ending in this specific number etc.
I called XXXX XXXX and told them I never received a credit card and was not aware of this account being opened in my name. I also told the woman from XXXX XXXX that I would like to close the card. She did tell me the account was never used and there was XXXX balance on the account, and she told me she would close the account. I made this phone call 2 months ago and now I have again received a letter regarding my account in XX/XX/XXXX, which tells me they never bothered to close the account.
Please help make sure this credit card account is closed. This has seemed very sketchy to me and I worry that someone will get access to this account and use a card in my name. I would like to close it before that happens and receive verification from XXXX XXXX this account is closed. Thanks!
11/14/2019
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
NY
10024
Web
Older American
I am XXXX years old. Last XXXX, 2018, I purchased a XXXX XXXX and at the suggestion of my XXXX I financed the purchase through XXXX. I made every payment of {$380.00} on time for 11 months. The last payment of {$380.00}, according to XXXX, was received seven days late. I recall that I received the invoice late that month and therefore my payment was mailed later than usual during that month. In addition, the specified due date was earlier than usual, which seems designed to deceive or fool people who have been paying according to the same schedule for the prior 11 months. Nevertheless, I did pay in full and the payment was not more than a week late. All payments were made to a XXXX XXXX in XXXX XXXX Texas that appears to belong to Comenity Bank.
I received a subsequent statement indicating a late fee of {$780.00} for the few days delay, a penalty somewhat more than twice the size of the monthly payment and more than 15 % of the overall amount I paid during the 12 months. To the best of my recollection I never received any disclosure that there would be late charges and even if I did, I believe this is egregious and I am being taken advantage of due to my age.
I attempted to resolve this with XXXX with no success and therefore am filing this complaint and seeking your assistance to resolve directly with the financial institution that is preying on elders. I am attaching a copy of the last statement I received showing the charge. There is fine print on the back regarding late fees, but it is not prominently disclosed, nor is the interest percentage mentioned.
Thank you.
02/28/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
NY
12198
Web
On about Monday XX/XX/XXXX, I received a credit card statement from XXXX - XXXX XXXX XXXX XXXXXXXX. The balance to be paid was listed as {$4900.00}. I thought that to be too high of a figure.
On XX/XX/XXXX, I called XXXX to question the total and requested Staements from XX/XX/XXXX thru XX/XX/XXXX. During the phone call I stated that I would pay down that statement total of {$4900.00} to {$0.00} within 24 hours. I would review the past 3 months of charges once I received the requested months of account activity and contact XXXX if I found a discrepancy.
On XX/XX/XXXX, I had XXXX XXXX print a bank tellers check for {$4900.00} with XXXX - XXXX XXXX XXXX XXXXXXXX as the creditor. ( This WAS NOT a hand written personal check, it was a guaranteed printed BANK CHECK ). I sent the {$4900.00} payment PRIORITY MAIL OVERNITE to XXXX - XXXX XXXX XXXX XXXXXXXX.
On XX/XX/XXXX ( 7 days after the {$4900.00} Bank Check was received by XXXX ), I tried to use my XXXX - XXXX XXXX XXXX XXXXXXXX and was denied.
After calling XXXX, and speaking with 3 reps and 2 supervisors for over an hour, I was told the following : I would not be able to use my XXXX - XXXX XXXX XXXX XXXXXXXX until XX/XX/XXXX - as it must clear first & because I paid the balance in full and the amount of the payment was so high, it would take till the current billing statement period closed til my card could be reactivated.
I'm angry! I paid the full balance using a bank issued check and it takes almost a month for a check to clear?
Please look into this incredibly odd business practice and fix it for everyone.
10/31/2017
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
IL
60620
Web
XXXX XXXX is still at misleading misrepresenting false debts that steam from identity theft charges.XXXX XXXX n written letters stated do n't pay this n that for months issuing checks but now asserts a different position n for charges XXXX does n't owe the amounts n computer records of XXXX XXXX blacks out n was reported for breaches card thefts unlawful charges n other suspicious allowed activity vs my card n therefore ca n't charge me by retroactively changing its position after they thought the file was closed here I am opening up another one on them.730 $ + u kidding? when who? last time i checked bal XXXX that way it will remain misleading statements by a bank n it 's reps, is serious business .on identity theft relative charges nothing can be held vs me technically so all the debt must be discharged I 've written after the charge list card theft which I never got a replacement I asked XXXX XXXX stop contacting me in writing it still continues anyhow I should n't have to pay for a card to a Non licensed, debt collector for a bill I have n't not used or ordered, other than cheating n deceit XXXX XXXX even attempts to erase payments made for months during their computer crash '' breaches which were FTC reported that is which causes even further harm on the aspects of failure to notify non " verified orders were being made by people yet XXXX was being accounted as oweing then not oweing then oweing, XXXX XXXX has confused me yet again which is why Americans should deal with the customer service part we would n't have mixupslikethis, ivdont owe XXXX XXXX XXXX anything
07/14/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
33428
Web
I made a purchase in Victoria secret with my card and paid it off, because I was triying to avoid late fee. The purchase was of around XXXX dollars and they changed me in total XXXX dollar in late fee because they returned several payments and did not notify me of the return payment. I was sure that the information I gave was accurate and until today I have no Ideas why they return the payment. They never notify me that they were changing late fee and other fee and when I already made payments that put a t 0 my balance. there is an abuse of power in this regards of their fess and how conveniently there are XXXX charges so the account is neve r 0 hence need to to play and there is late fee. this is a vicious cycle that allows them to make late fees and other fees.I never had a problem like this with any credit card I had. I call the center very frustrated with the problem and they did not wanted to tell me what the fee were about and just said your last balance which is not truth. I find that they are deceiving and praying on people that count on paying they card on time and is not an honest policy to have. This account also has problems with setup auto debit which I have been trying to setup but it either do not authorize the problem or when I try to do it it is there the option but does n't allow me to change the setting such as the payment info and the day. Finally conveniently the date that is was due I could not log in but the next day I was able so how curious that that has happened to me several times, and I tried at different times during the day.
09/28/2017
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
PA
19083
Web
Older American, Servicemember
On XX/XX/XXXX, and with an account balance of XXXX, we accidentally sent XXXX XXXX XXXX, Florida, {$2100.00} from our XXXX XXXX account, a payment intended for another organization. The money was subtracted from our checking account and went to XXXX ( serviced by XXXX XXXX ). We notified XXXX of the mistake and they refunded the amount on XX/XX/XXXX, a satisfactory outcome. This should have closed the matter, but it did not.
In my XX/XX/XXXX bill and thereafter they unaccountably charged me for that same amount. Recall that I had a XXXX balance. They initially claimed that they did not get my payment of XX/XX/XXXX, although I sent them my bank statement showing that they did. XXXX XXXX had not blocked payment.
XXXX changed its story and claimed that they had sent out two refunds of {$2100.00} on XX/XX/XXXX. They gave no explanation of why they would send two, nor did they send evidence of a second refund. They never made a second refund, but they keep billing me as if they had, and with mounting interest.
I have phoned XXXX XXXX/XXXX numerous times, talked with various customer service representatives ( XXXX, XXXX, XXXX, and others ) and have sent notarized copies of my bank statements.
XXXX XXXX, it 's legal department, and XXXX XXXX XXXX, the branch manager have become involved and have sent statements and letters verifying that I never received anything but the initial refund of {$2100.00}. XXXX XXXX spoke at length with a supervisor, XXXX XXXX (? ) on XX/XX/XXXX.
XXXX seems unable or unwilling to drop the fictitious charge. I have supporting documentation.
08/20/2020
Yes
Debt collection
Medical debt
False statements or representation
Attempted to collect wrong amount
NV
89147
Web
This company have been charging me over {$130.00} every month on finance charge even on the months that i was on deferred payments because i lost my job due to covid-19 lockdown. the governor still wont let my employer ( this is an XXXX XXXX in XXXX XXXX ) to open because of the virus. i have checked all the transactions on my account in comenity XXXX website and found that every month they are charging me over a XXXX dollars no matter what. they have been doing this to me for the last 2years, they have been secretly over charging my account. i never noticed the crazy charges until today when i calculated and check my bank statements and copies of the check i sent them.
just from the virus lockdown this year, they charged me {$510.00} in finance charge from XX/XX/20 to XX/XX/20, this months are in deferred payments because of the covid-19 hardship.
they also didn't post on their website all the previous payments i made and i have the check copies and bank statements to prove that they cashed the payments i sent them. i have attached the payments i made to prove that every month they are over charging me finance charge. i kept paying my monthly due and never missed a payment before the pandemic. they keep raising up the finance charge every month. it doesn't make sense that they keep charging me more in finance charge every month when i was paying my debt down. this company is stealing from me. i lost my job because of the covid-19 and i have many family members that died. i will never get out of debt. i need help.
please see attached copies of the transactions
05/07/2020
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
CA
93535
Web
On XXXX I went to a XXXX office and obtained a loan for XXXX work. At the time of my visit I explained to my doctor that I got paid on the XXXX of each month. I received my first bill from Comenity Capital Bank on behalf of XXXX XXXX XXXX XXXX. My first bill had a due date of XXXX and a minimum payment of {$200.00}, during my initial call with their office on XX/XX/XXXX, I spoke with XXXX ( XXXX ID ) and attempted to get clarification of their late charge calculation or how/when it would be imposed. During the call the representative was unable to explain how a late charge is calculated or advise if there is a grace period. I spoke to XXXX ( XXXX ID ) on XXXX @ XXXX XXXX., in an attempt to get more clarification how they are calculating a late charge on my account. I was advised my billing statement would provide the details, I advised the representative that the billing statement indicates " If we do not receive your minimum payment by XX/XX/XXXX you may have to pay up to a {$40.00} late fee '', no where on that statement does it provide the calculation for a late charge. At that time I advised the representative I wanted to take care of the account and remain in good standing, I asked her what the amount due was, XXXX advised {$400.00} ( XXXX & XXXX ), I scheduled the payment over the phone. Before hanging up I asked if we were good, meaning no outstanding fees, I was advised that there was a {$29.00} late fee that would remain on the account. I asked why was this not advised when I requested to schedule my payment so that I would take care of it at the time of my call.
02/27/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
CA
92708
Web
My wife and I have been purchasing from XXXX XXXX for many years and we normally take advantage of the zero percent interest promotions that are offered through XXXX XXXX/XXXX XXXX. Late last year we purchased a new dining room table and selected the " Zero Percent Interest '' promotion if the full balance is paid by a certain date. Each month we made payments as usual and as the promotional end date started to get close, our monthly statements started to warn us in red text that the balance due for that promotion was about to end. We received our XXXX statement a few months ago and on the front page in RED TEXT, it's clearly states that we had to pay {$830.00} by XX/XX/XXXX in order to avoid accrued interest charges for our purchase. Soon after we submitted payment for that exact amount and it was received by XXXX XXXX on XX/XX/XXXX. Five days before the due date.
Now we are in XXXX and our latest XXXX statement shows that we didn't pay the correct amount in order to avoid massive interest charges and that our payment was short {$95.00} for a unrelated promotion. I called XXXX XXXX/XXXX Customer Support and after speaking with multiple agents and a supervisor for over an hour, they insisted that my latest statement is correct and there was nothing they could do to help me out.
Its very clear that we followed the payment instructions perfectly so Im requesting an adjustment to my XXXX statement for these unsubstantiated charges. I look forward to a resolution that is fair as these finance charges are unwarranted.
Thank you for your assistance.
Sincerely, XXXX XXXX
03/26/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
94553
Web
On XX/XX/2020 my husband and I purchased a leather chair from the XXXX XXXX XXXX XXXX. At the time of purchase, we requested that the total amount be split between both of our credit cards. We were told in order to complete that transaction, we would need to first purchase a gift card from my account for half of the balance and the remaining balance would be charged to my husbands account. We also had reward certificates as well as a store credit.
After several attempts to complete the transaction, the clerk finally confirmed she was able to process the transaction as we had requested. I was provided a screen shot of the transaction which included credits, rewards, the gift card and the balance on my husbands card.
However, the receipt we were provided from the store showed the full amount on my husbands card. I did not catch this discrepancy at the time and it was only a few days later that I noticed the error on the printed invoice.
I reached out to XXXX XXXX and spoke with XXXX. She as unable to resolve my issue and said a supervisor would return my call. I did not receive a return call. My husband reached out to have reached out to Comenity Bank and explained the situation. We provided receipts and a timeline of the situation. Comenity Bank agreed to review the situation, but has since refused to issue a refund for the error of {$930.00}.
The chair has since been returned to XXXX XXXX. My husbands account was credited the full amount but my account has not been refunded {$930.00} for the error in charges.
I am requesting that this situation be investigated.
01/25/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with balance transfer
VA
23139
Web
Older American
I have had a credit card with XXXX for the past several years through Comenity Bank. I have paid on this account faithfully every month with very few late payments, if any at all. This past month I started receiving notices that my payment to XXXX was overdue, and they were threatening to suspend my account. I checked my past payments and saw that I was paying on time each month, so I was at a loss as to what they were talking about. Well, to my surprise, it was not Comenity Bank where I have around a {$1700.00} balance at XXXX that I pay on every month. No, this was XXXX calling because they have taken over the servicing for XXXX 's credit card account so that when I charged around {$200.00} at XXXX for my son 's presents, they had set up a new account for my XXXX account so now I owe them {$45.00} for THAT account that I did not even know I had!! XXXX said my balance with XXXX from Comenity Bank should have been moved over to them when they ( XXXX ) took over XXXX 's accounts!! How in the bloody XXXX am I supposed to pay on two separate accounts ( with interest!! ) to two separate banks for what should be one XXXX account!! Comenity will not move the balance over to XXXX so I can just make one XXXX payment a month ; they said I must have missed their e-mails about the change in banks so it is my fault and they will not help. I am infuriated and refuse to accept this! They should have moved it when XXXX took over - e-mails be XXXX. Please help me before I fly out to XXXX and hunt down their President to get things made right! I am very ill, and this is NOT HELPING!!!!
05/15/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
TX
78108
Web
Servicemember
On XX/XX/2020 at XXXX hrs, I shopped at the XXXX, Tx XXXX XXXX and purchased over {$67.00} worth of items. At the checkout, the cashier informed me that I can get an extra 15 % off if I apply for an in store credit card. I inquired about credit check. She stated that its an in store credit card and only a soft credit check is pulled. I told her that I didn't want it to effect my credit score. She replied back that it will not.
On XX/XX/2020, received a letter from Comenity Capital Bank about a credit card that I applied for. I called Comenity Capital Bank on XX/XX/2020. I told the Bank Rep that I did not apply for a Comenity credit card. She is informed me that XXXX XXXX is one of their customer. I asked about my credit report and she informed me that there was a hard credit report pulled in my name. I informed her that I didn't apply for Comenity Capital Bank credit card.
Bottomline, 1. XXXX XXXX mis-represented the product and did not properly inform me of my right as a customer. Employees need to be educated on the different between hard vs soft credit check. At the end, there was a hard credit check on me. That was not what I was informed by the store cashier.
2. Comenity conducted the hard credit pull without my permission and its customer to mis-represent their product ( credit card ). At the end, my credit score has changed because of their violations.
3. The hard credit check violated my right for the following reasons stated above and laws in the attached complaint.
- FTC Violation - Truth and lending violation - Fair Lending violation - FCRA violation
04/17/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
MN
56069
Web
On XX/XX/XXXX I opened a XXXX XXXX Credit Card for the purchase of a wedding band costing {$420.00} with a {$84.00} down payment.
When the ring arrived, I was unsure on whether I really liked the band in person. I ordered another wedding band on XX/XX/XXXX in the cost of {$460.00} with a {$93.00} down payment.
On XX/XX/XXXX, I returned the original ring with return value credit of {$420.00} which was put towards the outstanding purchase of the 2nd wedding band for a total balance of {$290.00}.
The remaining balance owed on the loan was paid off as follows : XX/XX/XXXX - Payment - {$40.00} XX/XX/XXXX - Payment - {$40.00} XX/XX/XXXX - Payment - {$50.00} XX/XX/XXXX - Payment - {$80.00} XX/XX/XXXX - LATE FEE Charge {$27.00} XX/XX/XXXX Payment - {$100.00} {$0.00} balance in account - XX/XX/XXXX My husband and I are attempting to secure a home mortgage and were shocked to see that my credit score had gone down by over 100 pts. After working with our lender, we learned about this credit error from XXXX/XXXX that is hurting my credit.
I have called XXXX XXXX ( XX/XX/XXXX ) to ensure that my account is indeed at a {$0.00} balance and I have been sent a letter that confirms that the account no longer has a balance. When I inquire about the credit reporting I was told to follow up with XXXX.
On calling XXXX ( XX/XX/XXXX ), it was confirmed again that my account is at a {$0.00} and the reporting is in error. I was told to file a complaint to have the creditor adjust the way it's viewing.
Please help me to fix this error so my husband and I can secure a loan for a home.
04/14/2017
Yes
Debt collection
Other (i.e. phone, health club, etc.)
Disclosure verification of debt
Not given enough info to verify debt
CO
80538
Web
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). Debt Collector has violated the FDCPA by reporting this account to credit reporting agencies and not providing a dunning with debt validation within the XXXX business day time frame of reporting the debt on XX/XX/XXXX. I would like to inform you that in your agency has committed a fraudulent action under both the federal and state laws. Due to this reason, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. The account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX
02/14/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
PA
17050
Web
Servicemember
In chronological order of events : XXXX. Through my Bill payer service, I sent full pay-off amount of {$40.00} to Commenity Bank XXXX XX/XX/2021, which was XXXX days prior to the due date. XXXX sheet attached.
XXXX. Commenity Bank alleged they did not receive payment for app XXXX weeks. I was charged a {$35.00} late fee plus {$2.00} interest, resulting in a new balance of {$77.00} XXXX. Sent my first letter, dated XX/XX/2021 which disputed the balance and late fees. Received no response. XXXX sheet attached.
XXXX. I continued to receive monthly bills adding new late fees [ {$35.00} each month ] & interest each month.
XXXX. I sent a XXXX letter, certified with return receipt, to Commenity Bank, which they received XX/XX/2021. I again disputed the entire balance. I provided a copy from my bank 's Bill Payer service documenting my payment of {$40.00} [ which paid off my account ] was sent on XX/XX/2021.
XXXX and XXXX sheets show copies of the letter I certified with return receipt.
XXXX sheet attached is a copy of my Bill Payer service printout. I use XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. Received a letter from Commenity Bank, dated XX/XX/2021 - they were researching my dispute of the charges and they requested XXXX days to research and respond to my allegations.
XXXX sheet attached.
XXXX. It has been over the legal allowable XXXX day time frame which Commenity Bank has to resolve a complaint. I am requesting intervention from XXXX XXXX XXXX XXXX to get this issue resolved.
XXXX. The XXXX sheet I attached is my most recent bill, showing a balance of {$110.00}.
02/13/2019
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
GA
30168
Web
XX/XX/XXXX Avenue CCA # XXXX Ref # XXXX Ref # XXXX I have twice sent a request to XXXX Bank to provide me documents to prove the validity of a debt they sold to XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they too can not provide me with any copies of any contracts attaching me to this debt or previous statements from the account opening until the ending closing date. XXXX XXXX XXXX has also stated that do not have an How can XXXX Bank sale a debt with out the proper documents. I have stated that I dispute this debt and am once again requesting the following -I request copies of all monthly statements on this account from account opening date through closing date of account ( XX/XX/XXXX- XX/XX/XXXX ).
-I am now requesting XXXX Bank provide copies of the bank letters mailed on XX/XX/XXXX and XX/XX/XXXX, as stated previously stated in XX/XX/XXXX.
XXXX Bank has denied me access to these documents required by law.
There is no full detail of the accounting details or legitamacy of this account. How could XXXX Bank sale this account with out anything more that partial statements? XXXX Bank bought this debt themselves and does not have the documents.
XXXX XXXX has also denied being given or having access to the documents I have requested. This sounds like FRAUD. Both XXXX Bank and XXXX XXXX is This is in violation of the Fair Debt Collection Practices Act by using deceptive practices of denying me information I requested with in the time frame allowed by law also request a copy of documents used to open this account ( Drivers License - ETC ). I also request
01/24/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with customer service
OH
45065
Web
I made contact with XXXX Visa credit -XXXX XXXX regarding my statement. It was showing a late fee and double payment due by XX/XX/XXXX. As I have " never " missed a payment before, I contacted them immediately to notify them I had not received my statement, or I would have paid it on time.
As a reult of my intitiation of contact with them, they waived the fee, as they could substantiate that I have missed a payment with them in the past few years.
So, since then I have been getting calls and texts. I contacted them today and was my account is behind.
I referred my statement states that my total is due XX/XX/XXXX. I was basically told yes, but I am still behind.
I had made a partial payment yesterday and was the other half by the due as expressed on the statement.
I felt there was a direct unsubstantiated attempt to coerce me to pay it today.
My bill says I have 2 weeks to pay ... .I don't feel the business practice, collection methods are concurrent with u.s. law. There were notes made in my account 3 days ago, I had made contact. I on my own fruition made my XX/XX/XXXX
payment yesterday {$80.00} and decided to pay the remainder by the due date {$80.00} on XX/XX/XXXX according to the statement due date given {$160.00} was due within 2 weeks ... from today..
I was told by the rep that no matter the statement says, I am still behind and my account is not current, but my billing statement reflects otherwise. I deferred to speak with a supervisor due to the conflicting information and have made contact with you. If I experienced this, I know others have as well.
01/31/2018
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Account sold or transferred to another company
NC
28210
Web
Servicemember
I was engaged and asked a XXXX XXXX associate to create a reeds account for me. The account was created successful. The following month I attempted to make a payment over the phone for the account. I was I formed reeds credit cards were no longer in use. It was apparent the accounts were sold. Contributing for two months to span payment cycles, I made payments to the address I was given. For payment, not one of the payments were recieved during the two months of XXXX and XX/XX/XXXX nor was my account located for online pay services to XXXX XXXX throuout the account term. This continued throughout the year and upon the latter of the years credit term, I contined to make payments. For four months I would say. I was given Addresses to make payments to and none of them were successful. I was never returned one of the payments I made to XXXX XXXX upon the completion of the payment considering they sold the account. I was charged late fees and double payments upon payments because of the bank and the confusion. Before the Eventual, arrangments were made, and the payments were never reimbursed or my account loacted. XXXX XXXX sent my account to a third pary and closed the account. This was the second time XXXX XXXX did this to me as a account holder. They sold my account and never reimbersed me for payment for mailed payments, that were sent and not recieved, and eventually took the money before the end of a payment cycle, while recharged late fees, finally closing the account, with no reimbersed payments, and intrest ending my account privlages and account status with XXXX.
08/22/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
AR
72118
Web
Comenity - Gander Credit Card Never received statement in XX/XX/XXXX.
The XX/XX/XXXXstatement has a late fee of {$27.00}, which I understand, since I never received a statement so the bill was unpaid. 3 times I have not received a statement from this company and I tried to set up auto pay, but was informed that they do n't set up accounts on auto pay.
The main problem was a interest charge of {$77.00}, in addition to the late fee, on a {$220.00} balance, making my new balance {$330.00}.
The statement clearly shows the interest rate on the {$220.00} balance as 25.99 % ( which is already very high ), however if you do the math the actual interest rate incurred is 33.79 %.
This company is posting one interest rate, but charge a larger interest rate. ( I guess they are hoping people ca n't do math and will just pay the higher rate. ) I have paid off the new balance of {$330.00}, so they ca n't continue to add bogus interest fees, however I should not have been charged this amount, so I am filing this complaint.
Comenity should not be allowed to continue charging interest rates different than the amount posted on their statements, which is clearly an legal practice.
Also, there should be some type of law on the books making illegal for them to intentionally withhold customer statement in the hopes that their customer will forget to make payment, so they can charge additional fees. They do n't send electronic statements and do n't allow their customer to be set up on auto payment. This makes customers more likely to forget to make payment, allowing them to charge late fees.
12/12/2017
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was paid
NH
03257
Web
i believe this all started in XXXX 2017 when i purchased a pair of jeans from " XXXX '' the company that handles the money end to which you send your bill is " XXXX ''. Apparently my payment was two days late " unbeknownst to me '' so i got a late fee of {$25.00} i believe it was. I called after i got my second late fee figuring it was settled and that 's where it all started. I talked to a agent who i told my story that i was charged a late fee and this is when he told me my check came in two days late. He said and i quote '' as a one time courtesy i will remove the late fee '' i think i 'm all set but it got worse each time. They continued to bill me late fee every month which i responded to either via the " XXXX '' web site or phone calls from them each time a different person. On three of the calls to me i spoke to a women and i said i was tired of this and wanted to speak to manager well no one ever came to the phone so eventually i hung up, another call a man went thru it all with me said he saw where the mistake was and assured me he fixed it and i was all set, the third not but a week ago said she likes solving issues and wanted my issue be resolved i believed her. She said what happened was that they did remove the late fee but another late fee was already being processed. The man who said he fixed it said the one time courtesy never went thru so who is right? The last women sounded believable so i went with her but yet today i am still receiving bills have been called too many times to count, have been misled and lied to it also has gone on my cerdit report
03/13/2017
Yes
Consumer Loan
Installment loan
Taking out the loan or lease
MN
55104
Web
This is a complaint against EBAY and PAYPAL ( this XXXX is addressed to PAYPAL, another will be filed for PAYPAL ). I logged onto my EBAY account to purchase an item ( a watch ).
I had previously set up a credit account with PAYPAL, for {$3700.00} in credit.
The EBAY listing offered a payment plan beginning at {$55.00} for 24 months for PAYPAL CREDIT I decided to take advantage of these terms. I then clicked the radial that says " Commit to Purchase ''. When I was then brought to the payment screen, the financing opportunity was no longer available. Essentially, I was lured into committing to purchasing the item with credit terms, and then once I did commit, the credit terms were removed. I called EBAY and they said it was the fault of PAYPAL. I called PAYPAL and they said there was some type of security issue with my account and they would fix it. It was never fixed. I called EBAY this morning ( XXXX.2017 CST ) and was told that sometimes credit terms will be listed on items, when there is actually no credit terms available, but you do n't find out until you committed to purchase the item. The agent at EBAY was rude and acted like this was my fault. I do n't recall her name, but the code to get to her was XXXX. She did n't seem to realize the gravity of the situation. Meanwhile the seller opened a case against me for non-payment. I was forced to scramble to find an alternate means of paying. EBAY and PAYPAL have colluded to incent a customer to purchase an item with false terms. This is clearly a violation of UDAAP and likely other state consumer protection law.
09/19/2019
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened to sue you for very old debt
WI
54935
Web
In the past I had an Elder Beerman credit card which I have not used since XX/XX/XXXX. Bonton took over the company.
Between XX/XX/XXXX and XX/XX/XXXX I worked with a debt settlement company. The last thing I remember about paying a bill to you was sending a check and it was returned to me in the mail. I also tried to do an online payment and it didnt work. I didn't pursue it and my work moved to a different state. I also never received bills from you. 9 years later I received calls from a collection agency that wanted me to settle with cash or they would serve me legal court documents. They say they had served me papers which I never received. They called my office and even talked to my employees. They never sent me anything in writing. I didnt respond because their number was reported as a scam.
Forward now to XX/XX/XXXX I now live in another state due to work. Another collection agency called my son who lives in another state and said that I needed to contact them or they would make a decision without me. I called yesterday and they said they sent me papers 38 days ago, which I never received, and they decided to be gracious and give me 24 hours to respond to an email. The email was asking for a settlement amount and I had to pay all with a credit card. They gave me no other options and called today saying my 24 hours was up. How am I supposed to know if they truly represent you and that they are not a scam?
The last time I used my card was in XX/XX/XXXX, 14 years ago.
In XX/XX/XXXX I tried to send your company an email regard this but received no response.
07/22/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
TX
75028
Web
Please see letter of communication sent to the merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Bogus XXXXXXXX XXXX credit card account number ending in XXXX ; Alleged bill of {$52.00} To whom it may concern ; I continue to receive bogus bills from XXXX XXXX for a credit card I did not initiate, authorize or receive, much less use. I continue to receive harassing Robo calls from you XXXX XXXX regarding this.
You have submitted my name and bogus credit information fraudulently to financial institutions, damaging and defacing my credit history and my name.
I demand you cease and desist any further harassment and I also demand you expunge any negative reports you have fraudulently submitted.
Additionally, I want an investigation done at your expense, as to WHO initiated this.
I want the sales clerks name as I NEVER authorized any such credit card to be initiated in my name. I know the scam that the sales clerks use in order to get their spiff money in closing a new credit account. If they opened up an account in my name without my express permission or if they did not make it clear to me that they were doing so, they AND you are guilty of fraud.
I have attempted to go online to your website at comenity.net/paymenthelp ; however, not to my surprise, there IS no help there.
If I do not hear from you in 10 business days with a satisfactory solution in my favor, I will be forced to file a complaint with XXXX and with FTC.
I know you will do the right thing by your customers, of which I have been a loyal customer of XXXX for many years, and even decades.
03/31/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Privacy issues
TX
79121
Web
On XX/XX/2018, I contacted CXXXX XXXX, representing XXXX Florida Credit Card servicing, because I have been receiving emails about an account I never opened. An option for " No longer receive these emails '' or " This is the wrong email '' was nowhere in the email. I was concerned that either ( A ) my identity had been stolen, ( B ) this was a phishing scheme, or ( C ) a person with my name had accidentally typed in the wrong email address.
After being transferred, I spoke to a person who said they could help. The first thing they asked for was my social security number. They then gave me the option of giving them the email.
After I gave them the email and they flagged it, I let them know that asking for my social security number was something no bank would do, and that their system had a problem. They insisted their system was fine. I explained that if their system was fine, emails would have a confirmation process, then I'd never have received these emails in the first place.
The person said I knew it was a bank, so I should be comfortable giving them my SSN. I explained that I had no idea it was a bank, it was simply a phone number in what could be a SPAM email. I'd never heard of the bank, and every piece of correspondence had a different physical address and company name.
The phone number I called was XXXX. I had to sit on hold for about five minutes and deal with two customer service representatives because someone typed in the wrong email. The entire interaction left me frustrated and suspicious, and I would like someone to examine their operation.
01/04/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
NY
11754
Web
I contacted XXXX credit reporting agency today X/X/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my XXXX credit report however upon checking my XXXX XXXX account there is a history code with a number 1 next to it which means there was a late payment I resolved this issue with XXXX directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the XXXX rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " XXXX 's card '' I have 2 accounts with them. Another account is XXXX XXXX '' I also have 2 accounts with them as well. Another account is my XXXX/XXXX XXXX/XXXX accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on XXXX 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX.
09/04/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Old information reappears or never goes away
MD
20879
Web
Older American
i applied for credit with XXXX/XXXX XXXX. I received a letter in the mail asking me to contact them to verify my idenity which i did. They ask me a serious of questions. I answered the questions correctly according to my life today. Receive a letter in the mail a few weeks later telling me that i was declined base on the fact that my identity could not be verified. Called the bank which issues the credi card, to ask the reason why and they told me that one of the questions was not asnwered correctly. Ask them what question, they did not know and referred me to XXXX to answer the question. Called XXXX and they said they did not give the bank the security question and it came from public records, They had no idea how i could update the pulic records that the question are coming from. XXXX suggested i call XXXX and XXXX and they gave the same simliar answer.
I am being deined credit based on inaccurate information coming from security questions from some public records file which is inaccurate.
Which no one is telling me how to update. Why should they evening be using this. The answers given to security questions are inaccurate and outdated, my credit is affected. I was told to update the information by XXXX XXXX and no one can tell me where this information is coming from and how to update, they dont even know. Is this legal for them to do this ... ...
Could you please investigate. I should not be denied credit based on information coming from public records. Who keeps these records updated, where is the information coming from thats put in these public records.
06/20/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MD
21813
Web
I had been having problems with making payments with my credit cards the past couple of months so I made a loan to pay off all of credit cards and cancel the cards. On XXXX XXXX, 2017 I called Victoria Secret 's ( Comenity Bank ) and spoke with a customer service rep and told them that I wanted to pay the account in full and close my account. He gave me a final balance of $ XXXX-I completed the transaction with the rep on that day. Two days later, I received an e-mail from VS stating that I owed {$45.00} for a finance charge. My payment was due on XXXX XXXX, 2017 and I paid XXXX XXXX, 2017. I e-mailed VS two times and finally called on XXXX XXXX to speak with a representative. He was rude and disrespectful. I repeatedly explained that I made it clear on XXXX XXXX I wanted to pay the account in full and close. Why did n't the rep give me the full amount as I requested? He could n't answer me, all he could say was that I missed my payment due date and was charged a finance fee for not paying on time. I was asking for the finance charge to be removed so that account would be zeroed out and they would not take care of it. I experienced the same issue with XXXX, also Comenity Bank, I paid that card in full on XXXX XXXX, 2017 also and two days later I received an e-mail stating I had an outstanding finance charge. I neglected to call Comenity because of my previous conversation. I was on the phone over 20 minutes with a customer service rep who was condescending, rude and disrespectful. I will share my story of unfair and illegal practices by this credit card company.
09/06/2021
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
FL
33018
Web
I had programmed my automatic monthly discounts, But notice they didn't discount me for two months, I called the comenity bank to find out what happened with the discount, they told me that the automatic pay and They told me that the automatic payment was only for 6 months and that I should call to renew it, I told with the representative of the comenity bank and I explain him that the nobody told me that, However, that day, ( XXXX XX/XX/2021 ) I paid on line {$250.00} and the balance was {$830.00} ( Shown Statement 1A ) The guy told me that my balance almost finish in XXXX because I am paying $ XXXX monthly.
I was surprised with the new statement, because the comenity bank is charging to me a new balance by {$1.00} plus {$380.00}, ( Shown statement 2A ) once again, I called at the Comenity Bank I told with another representative, and he told me that the new balance include interest by {$350.00} ( more or less ) ; Nevertheless I offered to pay the total amount If he removed form the statement this charged, and I make a request to listen the previously conversation because nobody told me about the new charge.
He told me that the people in charge of the bank would do that, and after that, the bank bank would call me, but I they never called me By second time, I tried to call to be explained why the case had not been solved.
Even Worse, they are charging me {$23.00} ( Shown Statement 1B ) in additional interest on the previously {$350.00}.
I make this public complaint so that Comenity Bank adjusts to what has been agreed with its employees in order to solve it
02/04/2021
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
TX
78253
Web
In the timeperiod between XX/XX/XXXX through XX/XX/XXXX Comenity bank has repeatedly decreased my credit limit on my store credit cards purposely damaging my credit, starting with XXXX credit card in XX/XX/XXXX they continued to decrease my limit even after timely payments, once it was paid to a XXXX balance they closed it. Next was Children 's Place credit card, once it was paid they closed it also in XXXX. Currently it's XXXX credit card, I paid it down to a {$160.00} balance and they dropped my credit limit to {$100.00}, this was XX/XX/XXXX. My Victoria 's secret card has been paid on time each month, they recently dropped my limit down by {$150.00} as of XX/XX/XXXX now its my New York and Company card, on time payments, they dropped my card limit to {$150.00}, this feels like a tactic to either hurt my credit score or force me to spend more and gain more debt by closing my card or decreasing my credit card limits. I am in the process of repairing my credit score and have been on time with my payments, I need to bring my card balances to at least 10 %, Comenity continues to harm my fico because I don't get into further debt with them by using my credit cards, they rather lower my credit limit to slowly close my accounts one by one. They provide a letter stating the reasons such as no real estate, high balances on my students Ioans ( which are deferre ), not everyone has real estate and students loan balances shouldn't be a factor. I feel comenity is using a tactic because I don't spend and allow them to benefit from any further Interest off higher balances.
06/16/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
TX
78641
Web
XX/XX/XXXX Comenity Bank Victorias Secret Credit Card company reported my account status as " discharged through ch. XXXX bankruptcy '' with a status date of XX/XX/XXXX and will continue on record until XXXX. Creditor also closed account.
Sent certified letters to Comenity Bank VS Credit Card, XXXX Credit Bureau, XXXX XXXX Credit Bureau and XXXX Credit Bureau on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with proof that this account was NEVER included in Ch. XXXX BK in XX/XX/XXXX. I sent in my Discharge papers with my schedule F showing Comenity Bank was NEVER listed.
Comenity Bank credit line was increased between XXXX, never late, never missed a payment, very seldom had an owing balance. Creditor closed credit line due to this inaccurate credit reporting. This is negatively affecting my score and me obtaining credit.
Comenity Bank along with all 3 Credit Bureaus refuse to correct the reporting information. They are reporting that I discharged this credit card in XX/XX/XXXX and report that it will remain on my credit report until XXXX. This is completely false and inaccurate.
I did file Ch. XXXX Bankruptcy in XX/XX/XXXX, discharged in XX/XX/XXXX. Never included Comenity Bank Victorias Secret Credit Card, I have NOT refiled BK and couldn't if I tried as I am only going on 6 years discharged.
I have taken great strides in rebuilding my credit, never getting in over my head and never missing a payment. I would never even consider filing BK again. This inaccurate reporting is severely affecting my credit and I am being declined credit because of this.
12/14/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a credit reporting company's investigation into an existing problem
Investigation took more than 30 days
MI
48067
Web
My credit card number was used and fraudulent purchases made. I contacted the company right away to report it and told them that I wanted to make sure when a new card was issued the info regarding the payment history of time and all payments made on time and in full was going to continue to be reported. The credit card company closed the account. made an unauthorized hard inquiry on my credit report and failed to report the previous credit payment history. I contacted them numerous times to get this corrected. then the previous credit card was totally removed from the being reported. not reporting the info and then removing the card totally from my report and the hard hit caused my score to go down. This affects the insurance payments that I make for properties and cars. I estimated that this drop has cost me aprox 300 per policy.
there are 10 policies that would have been affected. the new card was issued and it has been several months that nothing has been reported to the credit bureaus. I am frustrated with the number of messages I have sent the credit card company via the credit card site and phone calls.
they need to reinstate the information back to the original card and show the payment history that was made on time and in full for the past ( I think it is 51 months ) they need to remove the unauthorized hard inquiry. I have sent them all the documents that they required numerous times and the only response I get is a standard letter saying they are investigating the case and will get back with me within 30 days. this has been going on for 5 months!
05/29/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
75025
Web
On XX/XX/2020, I was contacted by Comenity regarding my XXXX XXXX credit card payment being late. I advised I was having some financial hardship due to Covid 19 and requested their payment relief assistance program. The representative offered just a payment extension that would not have notated my account i was having a hardship and still possibly make me subject to late fees. When I declined this and requested again specifically for the Covid 19 hardship the representative rudely asked if I wouldn't be able to come up with a minimum payment of just {$35.00} in another month. I then requested to be transferred immediately.
Afterward I was still annoyed but couldn't bare to speak to another rep because I had also gone through SEVERAL issues getting my first online order placed because reps kept making mistakes and I kept having to call back. Instead I sent an online message advising of the issues and my dissatisfaction and requested the small courtesy of refunded late fee and finance charge, and I paid the card off in full minus the amount of late fee & finance charge rather than accept the covid 19 hardship and possibly have to deal with any of these people again.
They responded with an agreement to refund the late fee and the finance charge JUST on the amount of the finance fee. I did not realize the difference until XX/XX/XXXX, and I then requested the remainder of the finance charge also be refunded for my continued disappointment in their customer service. On XX/XX/XXXX I received a response stating they would not be refunding the remaining charges.
08/21/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
WY
82801
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported ( Victorias Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX You have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting. ( Victorias Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in XXXX vs. XXXX XXXX XXXX XXXX ( XXXX. Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act.
CC : Consumer Financial Protection Bureau CC : Federal Trade Commission XXXX XXXX
05/04/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was paid
NJ
07065
Web
On XX/XX/2021 I refinanced my mortgage for a lower rate and to consolidate debt. I paid off several credit cards. No problems there except one company said they did not receive the check. Comenity Bank aka XXXX.
On XX/XX/XXXX, said payoff check was still not received by Comenity. On XX/XX/XXXX, a stop payment was placed and new check was issued. Comenity was advised. It was overnighted ( on a friday ) and received and signed for by Comenity on XX/XX/XXXX.
On XX/XX/XXXX I received notice that Comenity received the check, paid off my credit card, and sent me a refund of {$20.00} because it was overpaid.
On XX/XX/XXXX, I receive notice that the check was returned for a stop payment.
What happened, was they applied the check that was stopped, which they were informed of, and added Interest, return check and past due fees now to my account.
I have proof from XXXX and a tracking number that they received and signed for the new check. They ( comenity ) are telling me they never received it.
So i had to call yet again ... ( this is now XX/XX/XXXX ) ... .and they are sending me dispute papers ... but there is nothing to dispute ... they received the replacement check and lost yet and I am being crucified because of their ineptness .... They said there is nothing they can do to help me.
So i am paying on my mortgage for the XXXX dollars that was mailed to them and signed for and they lost it .... and its still on my credit card balance.
When i asked how to rectify now ... .. I was told ... .This is how we do things here.
They wont even help anymore.
09/11/2020
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
TX
75034
Web
Comenity bank is attempting to collect an apparent debt owed on a XXXX credit card for an item purchased in XX/XX/XXXX of XXXX. The item was purchased on a 12 month deferred interest payment plan. The item was payed off in full in XX/XX/XXXX of XXXX, in advance of the deadline.
Here is a list of payments and dates : Initial total : {$3200.00} Purchase date : XXXX XX/XX/XXXX XX/XX/XXXX : {$610.00} XXXX XX/XX/XXXX : {$850.00} XXXX XX/XX/XXXX : {$800.00} XXXX XX/XX/XXXX : {$400.00} XXXX XX/XX/XXXX : {$580.00} I received my first debt notification by phone on XXXX XXXX, XXXX. Prior to this date, I received no written notices by mail, phone, or email.The alleged amount of debt is {$1000.00}, consisting of a late fee and interest accrued over the 5 month period between my final payment and their first contact by phone.
I sent a debt verification letter by certified mail on XXXX XX/XX/XXXX.
Comenity sent a response that they would perform an internal investigation on XXXX XX/XX/XXXX. My requests within the debt verification letter were not addressed.
Comenity sent a second response on XXXX XX/XX/XXXX concluding that the debt was valid. There was no debt verification information attached. None of my requests from my initial letter were addressed.
Comenity has failed to provide me a itemized breakdown of the charges, as well as a copy of my initial signed contract regarding the sale of this item despite my written request.
I am requesting that Comenity fully respond to each of the requests within my debt verification request letter within a timely manner.
09/24/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
OH
44333
Web
I made a promotional purchase with XXXX XXXX ( Comenity Bank ) and my account was set up for automatic payments to pay off the balance in full during the month the promotional rate was set to expire ( $ XXXX/payments per month up to and including XX/XX/2019 ). However, the promotional rate expired on XX/XX/XXXX which was prior to the scheduled payment due date of XX/XX/XXXX and I was charged $ XXXXin deferred interest! It was not clear in the terms and conditions that when you're set up for automatic payments, and the automatic payment would cover your total balance due in the month the promotion expires that you would need to actually make 2 payments. One payment for any promotional balance and another payment to cover any non-promotional balance. Furthermore, why are banks like Comenity making the promotional expiration date different from the payment due date in the same month? This adds an unnecessary layer of confusion for customers and leads to many, many people getting hit unnecessarily with deferred interest which seems to be playing into Comenity 's favor. I called and asked for the deferred interest to be reversed and they refused even after explaining how having two different due dates in the same month is confusing ( I spoke with three different people ). I am a long time customer, with an excellent credit score ( 830+ ), who has spent tens of thousands of dollars with Comenity and I don't raise complaints lightly. I have to believe this is affecting a large population of consumers who get penalized for situations like what I described above.
09/23/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
WA
98445
Web
Re : Comenity Bank for HSN credit card On XX/XX/XXXX I made a payment for {$40.00}. early and for more than the minimum due On XX/XX/XXXX I reveiced an email I was late, I logged into my account to find a returned payment fee and returned charge and it said my payment was returned XX/XX/XXXX.
I immediately called Comenity, after numerous calls with different answers, I was told to send in my bank account statement.
On XX/XX/XXXX I faxed my statement for XX/XX/XXXX-XX/XX/XXXX to show there was nothing returned. After waiting weeks for a response, I was then told this was not sufficient enough and they needed a letter on letterhead from my bank stating that nothing was returned.
On XX/XX/XXXX I went to the bank, got that letter on letterhead signed by the braanch manager and faxed it to them. It states nothing was returned by them from XX/XX/XXXX-XX/XX/XXXX.
This is still not sufficient for them and are continuing to ask for more information and not making corrections to their mistakes.
I have done everything starting with making my payment in good faith earlier than required and sending all proof twice that nothing was returned as they claim it was.
Whatever mistake was made on my account was not by me and I am getting charged for it and with 30 days late on my credit, for the 1st time in 2 years. I was in good standing until this.
Not only did they wait to inform me of a problem with my account until it was into a 30 days late status then charge me and put a bad mark on my credit.
They are also sending bills 1-2 weeks later than payment due date.
06/03/2017
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
NC
28075
Web
Servicemember
On XX/XX/XXXX I requested a credit limit increase online with my XXXX credit card. After my online request I called the XXXX number and spoke to a representative. I asked why they needed to review my account and the limit increase would take 7-10 days, she informed me that she did n't know. I told her that if I was n't going to get an increase there was no point in keeping the card open. The representative asked me if I wanted her to close the account. I told her if I did n't get the increase then yes. She then told me again that she did n't have that information and asked if I wanted to wait to close the account until I got the letter in the mail and I said yes. She then restated, so you do n't want me to close the account, and I said no I am going to wait for the letter. On XX/XX/XXXX I got an alert from my credit monitoring company that told me the account was closed. I immediately called and spoke to a supervisor who told me that the rep I spoke to on XX/XX/XXXX closed my account and in her notes it said I requested the account to be closed. He stated that he could dispute it and that they would review the phone call to prove I did n't close the account and reopen it. I called back on XX/XX/XXXX to check the status of the dispute. I was told that they could not pull the call and reopen my card that the first supervisor was wrong and suggested I reapply. I informed them that I did n't want an inquiry on my credit report nor did I want to lose the 2 1/2 year history I had with my account. The supervisor told me oh well there 's nothing else he can do.
07/04/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
LA
70094
Web
On the XXXX-2017 i called COMENITY CAPITAL BANK to find out about my account because of a late fee they had put on the account she proceeded to tell me the reason they applied the late fee is because the payment had arrived late I told her how can the payment arrived late when it was sent to you electronically. Then I asked her or you going to remove that late fee because at the time the balance of the account was only {$2.00} that was due and they had posted a late fee of {$35.00} when she said that they were not going to remove the late fee I said okay well then cancel the account then she asked me to whole on for a little while and she went and talked to someone and then came back and told me if I did not close the account they will remove the late fee so I agreed with that and she told me that the account would have a XXXX balance at that time so I agreed to keep the account open providing that they remove the late fee and put the account at a XXXX balance. But then I checked the account again and find out that they were still adding late fees to the account I cancelled the account. and at the time of canceling the balance was {$56.00}. I closed the account because they did not live up to the agreement in which they stated on the XXXX month XXXX 2017. Account # XXXX -- -- ( CREDIT CARD ( XXXX ) Also I want the negative items that was placed on my credit report removed immediately if not done so I intend on filing a lawsuit to obtain damages. Also I want them to stop calling my telephone 5 to 4 times a day here 's the proof that they did so.
08/11/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
IL
60193
Web
Comenity Bank holds the credit cards for XXXX XXXX, XXXX, and a number of other stores. They need to make it easier for a consumer to file a complaint, research returns as well as speak with a customer service rep. You should not have to start hitting numbers to speak to someone. You should be able to chose a customer service rep, a refund disbute rep, etc. You also email erroneous information as a response to a missing refund see below, the number did not direct me to who I needed to discuss the issue with. Finally why does it take longer than 7 business days to be credited for a refund. This behavior is not acceptible.
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page 1 of 2 Send Correspondence To Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX All Bankruptcy Notices/Related Correspondence To XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2021 Account Ending In : XXXX Dispute ID : Thank you for contacting us about a purchase on your account.
Dear XXXX XXXX, Were Comenity Bank and we handle everything credit-related to your XXXX XXXX credit card account.
You recently asked for help understanding a specific purchase.
Comenity Bank does not have detailed transaction information in reference to your purchase. For assistance with your transaction, please contact the service provider in which the purchase was made.
Were sorry were unable to fulfill your request.
We truly value your business and we apologize for any inconvenience. If you have questions about this, please contact us at XXXX ( TDD/TTY : XXXX ).
Sincerely, Customer
11/29/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
60073
Web
In a statement from The XXXX for XXXX XXXX, it said the balance on my account was {$530.00}. It also stated the payment due date was XXXX XXXX, XXXX. My payment in full of {$530.00} was received on XXXX XXXX, XXXX. The payment was made over XXXX weeks prior to the due date. This should have marked my account closed.
On the back of every statement from The RoomPlace, there is a section stated " HOW TO AVOID PAYING INTEREST ''. It states : " Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment, or Budget Payment Credit Plan from the date of purchase '' However, The RoomPlace charged a {$3.00} interest charge that is on the XXXX XXXX statement. No explanation was given. In every previous month 's bill, there is an Interest Charge Calculation that shows how the APR is determined. No interest charge calculations were given on the XXXX XXXX bill.
I opened a piece of mail today XXXX XXXX, XXXX stating I now have a balance of {$53.00}. I checked my credit report and The XXXX has now marked my account delinquent for the previous XXXX months. An error in billing by The XXXX required me to talk to three different people. No error was admitted. They called it a " floating fee '' that showed up. I explained that it was clearly charged as an interest fee after the full amount was paid. The step I am at currently is that the charges are " under dispute. ''
09/03/2017
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
AZ
85205
Web
Victoria secret credit card uses comenity bank as their lender and they are alleging I owe about 200.00 in late fees and interest. I went in to make my bill back in XXXX or XXXX of this year. I asked the front desk cashier to call the credit card company and find out my payment balance. She did and I was told it was XXXX. I made the payment successfully. I then later received a bill. The bill stated I did not make the full payment and that I was being charged. I contacted Victoria secret credit card and they informed me Victoria secret credit card and comenity bank do not run on the same systems therefore the two can not see each others information. I thought this was inaccurate because I had the cashier call to prevent an inaccurate payment being made. I was a dollar short on my payment so they charged me a whole bunch of late fees and interest. I have called numerous of times trying to settle this with comenity bank and Victoria secret and they refuse to help. They have stated the whole bill is late fees and interest charged from not paying the full payment. I had a balance of only XXXX. The bill is now almost 200.00 because this company refuses to take off those fees. I should not have to be held responsible for their inaccurate system. This bank and store do business together therefore they should make it convenient to serve customers. This is causing the bank to add unnecessary charges and cause unnecessary billing fraud. I want this taking care of as soon as possible. I want all fees and interest accrued from their mistake dismissed. Thank you.
07/30/2017
Yes
Money transfer, virtual currency, or money service
International money transfer
Fraud or scam
FL
34668
Web
PayPal Resolution Center ignored their own policies in the determination of a dispute or complaint. I submitted a complaint to PayPal with whom I tried to buy a remote control professional grade bait boat from ( ( Seller info XXXX ) ) copied from the payment page on PayPal name shown. PayPal never gave me any fair chance to prove what actually happened. NOW PayPal is STALLING me from my listed ability by PayPal 's own regulations, that I can file an APPEAL since I do not agree with their seemingly biased decision in favor of the seller. PayPal declared the CASE CLOSED XXXX XXXX, 2017. YET they have NOT officially listed my case as CLOSED. This means I CAN NOT FILE ANY APPEAL. The deadline for my Appeal is XXXX XXXX, 2017. I have less than one week left to file, but am PREVENTED by PayPal. In all that has occurred, it would appear to any reasonably intelligent person that PayPal Resolution or their Complaint departments are NOT treating buyers and seller impartial and with fairness. Seller was allowed to upload images and edited text messages. I was NOT given the same opportunity even after writing and asking how I could submit my images unedited which would PROVE my truthful accounting instead of the fraudulent accounting the seller provided. I 'd hate to think PayPal in any department is compromised and part of International Fraud, but this is exactly how it seems and the only logical explanation for all I have been through. I CAN PROVE EVERY WORD I HAVE WRITTEN IF ONLY GIVEN THE CHANCE. Will you help me before time runs out? XXXX XXXX XXXX XXXX, FL
08/12/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
OR
97523
Web
Servicemember
First off, I tried to close my XXXX XXXX Account because of the terrible service and screwy billing, I also could NEVER access my account online due to a software issue on their end, so I could never use my bill pay directly to them. Well, after months of this XXXX I just called to close my account, The customer service agent I spoke to gave me a payoff amount to close the account, I asked if this was all inclusive amount? ( fee 's, interest, balance, everything ) I was assured it was. So I paid the amount and was glad to be rid of this XXXX credit card ... .little did I know that this was just the beginning, two weeks I get an email telling me the I still owed {$37.00}?! I contacted the customer service dept. and was told that a late fee was added onto the account, I told them I had spoken to the service rep and received a TOTAL PAYOFF amount so what was this XXXX? " Well Sir, the payoff was made two days after our billing cycle so this amount was added two weeks later '' and because I closed the account they would not remove the late fee even though they reviewed the phone call to the service rep and agreed that I was " misinformed '' by the rep. " However Sir, there is nothing we can do to remove this fee ''. Because I closed this account this was their last chance to rip me off one last time. So what? I hire a law firm for {$38.00} bill due? or do I just tell everyone to NEVER GET A WOMEN WITHIN Credit Card. Even when youre right, this company will XXXX you over {$38.00} bucks just to pad their wallets. I would give them a minus Star if I could.
01/15/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
FL
33180
Web
On XX/XX/XXXX, a purchase of {$310.00} was made at XXXX XXXX XXXX XXXX in XXXX XXXX, FL on my Comenity XXXX XXXX XXXX credit card. Due to COVID-19, customers were not allowed to try on items in-store. Customers were instead informed to purchase items and return items they could not wear within 30 days. On XX/XX/XXXX, I attempted to return the items that did not fit with the original purchase receipt in-store ( items were intact, unused with tags in original condition ).
Per customer service agent, I was informed that the merchant had filed for bankruptcy 2 days prior, and I could only be provided with a store credit ( in the form of a merchandise credit card ). Although displeased with this outcome, I accepted the card with store credit to the amount of XXXX. When I attempted to use the merchandise credit card on-line for a subsequent purchase in the amount of {$190.00} on XX/XX/XXXX, the pin code did not work. I purchased the items using my XXXX XXXX XXXX store credit card instead. I had previously attempted to use the card online as advised after my initial return on XX/XX/XXXX, and it also had not worked at that time.
I contacted the merchant to refund my {$200.00} on my Comenity backed, XXXX XXXX XXXX store credit card as the merchandise credit card did not work. A dispute was filed, but I have not received follow-up as to the result of my dispute nor has my money been refunded to my original store card payment method. I still possess the merchandise card which should have the full balance of {$200.00} as I could NOT make purchases with it.
11/28/2018
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Delay in processing application
MI
49635
Web
On XX/XX/2018, I applied for a XXXX XXXX credit card through XXXX XXXX using an on-line application. I received an automated email message confirming receipt of my application, which indicated that I would hear back within 2 weeks.
On XX/XX/2018, after hearing nothing from XXXX XXXX or XXXX, I applied again on-line. I received the same automated email message as on XX/XX/XXXX.
On XX/XX/2018, I stopped into a XXXX XXXX store to inquire about the status. I was told that the application was being processed.
On XX/XX/2018, I called the phone number on the XXXX XXXX web site to inquire about the status. After being transferred four times, someone from XXXX told me that I had been sent a letter in XXXX and that I must wait for it to arrive. I noted that a letter that had been mailed in XXXX that had not arrived by XX/XX/XXXX was probably lost, but they refused to give me any additional information.
On XX/XX/2018, I received a letter dated XX/XX/2018 that stated, in part, " Our records show that we received more than one application from you within a 30-day timeframe. Unfortunately, we do not process any additional applications received within 30 days of a previous application. At the time of your previous application, we sent you a letter notifying you of our decision. '' Having not received any response to my XXXX application, despite numerous attempts to contact them, I believe that Comenity Bank is in violation of the Fair Credit Reporting Act, which requires the lender to notify an applicant of a credit decision within 30 days of application.
06/12/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
PA
18332
Web
XX/XX/2017 Reviewing my statement online, from Comenity XXXX XXXX XXXX XXXX ; I noticed fraudulent charges by XXXX : XX/XX/2017 {$23 .00} XX/XX/2017 {$54.00} XX/XX/2017 {$54.00} XX/XX/2017 {$ 43.00} for a total of {$170.00} I called up the credit card company immediately to report the fraudulent charges. On XX/XX/2017 I recei ved a form to fill out, asking me to list the dates and amounts of charges ; duplicating what was discussed in a phone call on XX/XX/2017. I tried to go online to look this up, and I could n't because the credit card company blocked my access. I call the company, and they claimed I reported a lost or stolen credit card. I did no such thing and I let them know it. After filling out their form with what little info I had, I made a rubbing of the credit card on the form I submitted. I asked them to send me copies of those statements in question. Upon receiving these copie s on XX/XX/2017 , I re-subm itted a copy their form, writing in the missing info they requested. Even though they had that info when I spoke to them on XX/XX/2017 ; which they recorded for " training purposes ''.
XX/XX/2017 I just received a not ice of my statement available online ; so I proceed to check statement. The fraudulent charges were not removed, no credit was issued. I called up the credit card company, yet again. It is very difficult to get a person from their phone menu. I spoke to XXXX employee ID # XXXX , and queried her about the discrepancy. She told me it takes them 60 days to review it.
06/08/2017
Yes
Debt collection
Medical debt
Communication tactics
Used obscene, profane, or other abusive language
PA
17257
Web
At XXXX on X/X/17, I got a phone call, asking me for detailed information on my identity. After that, the woman told me that I was behind on payments of 30 days. When I asked if it were 60, 90 or 120 days, she said no. I was then pressed when I would resolve the matter when I stated that I had not gotten a bill that month. I replied with " When I get a bill, I will send in a payment ''. She then said that I was not being cooperative and refused to answer. I repeated the answer, " when I get a bill, I will send in a payment. I do not know when a bill will be sent and I do not know when they will receive it. '' After my second reply, she became more hostile and aggressive with repeated, " you are refusing to answer the question and I 'll note that on your account ''. She further pressed me for a date and suggested next Friday, to which I said, sure, if I get the bill. Again, she said " you continue to refuse to answer the question '', to which I pointed out that she suggested a date and I agreed to it. Her hostile tone, nature of the call and continued badgering of my " refusal to commit to a date '' was enough to end the call. This was a hostile call with hostile intent and any other answer than a specific date that was acceptable to them was " refusal to answer the question ''. I contacted Comenity directly and requested a new bill be sent to me and explained the phone call. The woman on the other end was very apologetic, but insinuated that this is their standard practice. Any further phone calls of this nature will be met with a lawyer on my end.
04/29/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
PA
19446
Web
In XX/XX/XXXX I applied for an XXXX / XXXX XXXX XXXX and was approved. It is backed by Comenity bank. On my XXXX statement I noticed my available credit was XXXX and my limit was XXXX. I called immediately and was told the account was closed but was NOT provided a reason one. They said a letter was mailed out which I did not receive. Finally in XX/XX/XXXX I received a letter stating the account was closed due to a negative relationship with Comenity.
I called and was told I could appeal it and message them on my CC log in page. My credit history has NOT changed since XXXX XXXX, in fact it has improved. My XXXX XXXX XXXX was in good standing and paid on time. There are NO other new negative items reported. I pulled all 3 credit bureau reports. This was the e-mail I received " Taking a look at your account, I see it's associated with what Comenity [ Capital ] Bank considers to be a risky financial history. '' Again, I am not sure what account they are referring to, but there is NO NEW information reported since XXXX XXXX.
I asked XXXX to re-open my card, because as we know, closing accounts also affects your credit score. XXXX / Comenity refused. This card was open for less than 5 months. If there was something negative, then they should have done their due diligence at the time of my application. Closing a card with a balance reflects poorly on my credit score and is an unfair business practice.
I would like this account in GOOD STANDING, re-opened, and a copy of the exact information and date of the item they are referring to.
Thanks, XXXX
12/31/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with rewards from credit card
MI
48176
Web
Servicemember
On XX/XX/2020, after weeks of design support, I purchased {$11000.00} worth of furniture in store at XXXX XXXX in XXXX XXXX, MI. At the time of payment, I opened a XXXX XXXX credit card to receive 10 % back in rewards. There was a promotional option to receive no interest on the credit card. I rejected this option. I had discussed spending my {$1100.00} expected reward dollars in store with my designer on accessories for my new home.
When my first credit card bill arrived, I paid it off in full. When my second credit card bill arrived, I paid it off in full. At this point, I realized I was not accumulating any reward dollars. I contacted the credit card company & was informed I was not eligible for points because my purchase was selected for the promotional plan to receive no interest for 12 months. I did not consent or agree or want this. I knew a mistake had been made. I wanted to spend my 10 % reward points in store, hence why I had been paying off my balance each month.
I contacted the associate who originally completed the transaction who immediately apologized & took responsibility. I was contacted by the store manager and referred to dispute this with the credit card company which I did immediately. Several weeks later, I was informed my dispute was rejected with no room for appeal or follow up. I contacted the store manager, who assured me I would be contacted within 24 hours. It has been been 4 days since that conversation & I have received no follow up.
I expect a resolution to financially compensate me for the lost reward dollars.
11/24/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
10958
Web
Older American
I received a bill from Commenity Bank XXXX for a renewal membership from XXXX XXXX XXXX. On approximately XX/XX/2021 I called Commenity Bank to cancel their credit card, which they did on XX/XX/2021. I was informed immediately by Commenity that they would not call XXXX 's because " we just don't do that '' and that it was my problem. I then called XXXX 's and spoke to someone who said my membership fee will be refunded on my credit card.
On XX/XX/2021 I called Commenity Bank and spoke to XXXX ID # XXXX. She said nothing is posted from XXXX 's and I need to contact XXXX 's. Whereupon I called XXXX 's and spoke to XXXX, Ticket # XXXX. She said they would escalate it and call me back. I never received a call back or email from XXXX 's.
I called XXXX 's again Ticket # XXXX. The representative reiterates escalation to a credit department and a call back or email in XXXX hours. No one ever calls back.
On XX/XX/2021 I called XXXX 's and spoke to XXXX, XXXX # XXXX. He said he would escalate this matter to the credit department and someone would call back in XXXX hours. No one contacted me.
On XX/XX/2021 I called XXXX 's again and spoke to XXXX XXXX. She used my original Ticket # XXXX and said yet again she would escalate this matter and then call back or email in XXXX hours. No one called or emailed back.
I did not send a letter to Commenity to preserve my rights in this matter. It is now past 60 days. Commenity will not call XXXX 's and XXXX 's will not issue a refund. They keep stringing me along and Commenity just continues to tack on fees.
10/12/2017
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
NV
89123
Web
Older American
XX/XX/XXXX I received an e-mail from from XXXX XXXX NY Store Manager XXXX XXXX to contact him immediately at ( XXXX ) XXXX-XXXX he ifnormed me there was a tall XXXX XXXX women in the store pretending to be me wanted to purchase on my XXXX charge, he also told me that found {$1600.00} charges made on my account in XXXX XXXX XXXX, XXXX XXXX onXX/XX/XXXXXXXX which was not charged by me. I live in XXXX XXXX, NY He told me to call XXXX XXXX tell them of the fraud. I immediatley called XXXX XXXX and reported the fraud and close my talbots account immediately.
XX/XX/XXXX XXXX XXXX sent me letter stating Iam responsible for the charges Iam to pay the bill. Also enclsed was Statement of fraud and Forgery from the Account protection Team I completed the froms and also sent them letter by the Federal Trade Commision Fair Credit Billing Acts that Iam not responsible for fraudulent charges and copies of XXXX XXXX XXXX Police Report of XX/XX/XXXX asking them to investigate and stop threating me to report fraud/forged charges to the Credit Bureaus. XXXX XXXX sent me another letter telling me to pay the bill which was {$2700.00}. Comenity Bank refuses to stop billing me and accept the fraud/forgery. Most important info for you is " I have the XXXX card in my wallet it was never lost, perpetrator was allowed by XXXX to purchase all these clothes without a credit card ''. The next stupidity XXXX did is mail me a another credit card same A/C #, XXXX store and XXXX XXXX are just plain stupid and making me pay the price for their lack of care fraud/forgery charges.
01/05/2017
Yes
Credit card
Balance transfer
VA
20136
Web
I am a XXXX XXXX member and I received a very good offer from their credit card company, called Comenity Capital Bank ( XXXX ), on balance transfers. The offer was XXXX % XXXX till XX/XX/XXXX with XXXX % of transfer fee. I took the offer in the end of XX/XX/XXXX and on XX/XX/XXXX the balance transfer was completed and new balance appeared on my credit card account, as expected. Now, XXXX month later, I got a bill on the new balance, and the original credit card company, which is XXXX ( XXXX ), also billed me on the same balance. It turned out the balance transfer, physically, never happened, it happened only on paper, and XXXX told me that nobody paid off my balance. In such case, who gave the right to XXXX to charge me with the new balance and transfer fee, if their check was never cleared or received by XXXX? Actually I do not believe XXXX sent such check at all, and they never gave me any proof of such transaction per my request. I have all copies of the messages between myself and XXXX, which will give you more details about the issue and my failed attempts to resolve it. I 'd suggest you to request those copies from me, because they are helpful for better understanding of this problem. I can also enclose last statements from both XXXX and XXXX where you can see account transactions. XXXX did wrong charging me if the related funds were never moved from their account. Additionally they committed another fraudulent activity charging me with the interest though I paid off my previous balance with them. I can prove everything I have stated here.
02/22/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
76446
Web
My problem is with Comenity Bank. I have/had a XXXX card through Comenity. In XX/XX/2019 I paid the card to XXXX ( {$52.00} ) ), or so I thought. Evidently they have some kind of time cutoff and even though I made the payment on the date it was due XX/XX/XXXX it posted to their system the following day XX/XX/XXXX. I had no idea this had happened until XX/XX/XXXX/XX/XX/2019 because I assumed the debt was paid in full. Once I found out I called and asked that late fees be waived. They would not waive all of the fees. I said I would pay {$32.00} in late fees to close the account ( I really felt I didn't owe but was trying to be reasonable ). They have continued to bill me for additional late fees and interest every month and have begun to negatively impact my credit. The company called the other day and basically said I owe $ 190+ dollars and if I would pay {$69.00} they would quit bugging me. I said no. Then they dropped to {$47.00} and said to pay or they would report on my credit again. I have the money to pay the {$47.00} but at this point it is the purpose of the matter, they are behaving unethically in my opinion. Comenity could easily rescind these charges and settle this account. They have already received {$32.00} more than I actually owed and they act like I am trying to rip them off. It is very disheartening and infuriating. If I was defaulting on a principal balance I could understand their aggressiveness but this is revolting. They are simply being greedy. Please hold them accountable and help them establish better business practices.
03/27/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
FL
33578
Web
I have a XXXX card. I already had a balance on the card in XXXX of {$80.00}. I bought a sofa for {$1100.00} that had a 12 months no interest. The billing for that purchase did not start until XXXX, but I had made a payment in XXXX for {$85.00}. I had called and on XX/XX/XXXX for that payment to be applied to the promotional amount not regular purchase amount. They said they would take care of that for me. I made another payment in XXXX and XXXX and asked for those to be applied to the promotional balance. They said they would gladly take car if that. I got my XXXX statement and it showed that I have a XXXX balance on my regular purchase balance and called and asked why they did not do what I had asked them to do and they said that the regular balance was paid off in XXXX and my requests werent able to be processed. Since my purchase was made on XX/XX/XXXX they couldnt bill me for it until XXXX so the promotional couldnt be paid for until it was billed so thats why they couldnt accommodate me. That means I also only have 11 months to pay off the promotional deal instead of 12 because it is considered from the time of purchase. I asked them then why wasnt my payment in XXXX put towards my promotional balance they said it wasnt billed until then and they are unable to change the payments now. So now in order to have the promotional paid off by XX/XX/XXXX I have to add an additional {$30.00} a month because I only have 11 months total to pay it off to begin with and one month was put towards my regular balance instead of where I asked it to be put.
02/17/2022
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
CT
06513
Web
On XX/XX/XXXX, I received a call from a Comenity Bank representative stating my XXXX account payment was late and that I needed to pay them {$81.00}. I did not know what they were talking about because I had not used the card for a year. After they researched it they told me that I purchased a reward subscription from XXXX and that the charge was a little over {$21.00}. I had no idea what they were talking about. I was transferred to XXXX and they immediately reversed the charges because I did not agree to a subscription with them. The representative told me that the same charge was placed on my account in XX/XX/XXXX and that it was removed and should not have happened again however, in XX/XX/XXXX XXXX charged my account again. I telephoned Comenity Bank and told them of the reversal which they were able to immediately view. However, Comenity Bank refused to return the late charges from XXXX to now and they also reported me to all three credit bureaus. I have tried disputing it with them and the credit bureaus, but they are refusing to fix the issue and return XXXX points taken from my credit report. Please help me with this matter because it is not fair that I am being punished for a purchase that I did not make. Sadly Comenity Bank is aware that XXXX applies these reward subscription charges to unknowing, unsuspecting consumers and does nothing to quail this behavior. I know this because the representative who transferred me to XXXX told me so. It was not the first time that she has seen this and the fraud investigator stated the same thing.
06/25/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Other personal consumer report
Incorrect information on your report
Information that should be on the report is missing
OH
43229
Web
O XXXX of this year, I applied for a credit card with Comenity Bank in particular a XXXX XXXX ' credit card. The 1st reply was my credit file was on freeze. I Thawed out my file and reported it to them. The 2nd reply was that it was to early to re-apply, ask me to file again after 30 days. I did so. The 3rd letter ask fo copies of my Social Security Card, front and back ; the 2 sides of my Ohio Drivers license ; and a copy of our recent bank statement. WITH THE HIGH RISK OF MY PERSONAL INFO FALLING INTO WRONG HANDS, I SEND THEM WHAT THEY REQUIRED. My last reply from them was, that after all the info they ask for and their resources researched my personal credentials. they said that " THEY COULDN'T VERIFY MY IDENTITY. '' AFTER RECEIVING THIS TROUBLING STATEMENT, .WE SUFFERED SLEEPLESS NIGHTS AND WE EXPERIENCED INTENSE XXXX AND XXXX XXXX AND PAIN. I HAVE 4 OTHER CREDIT CARDS AND HAD NO PROBLEM GETTING THEM. THEIR COMPANY HAS A WIDE VARIETY OF TOOLS TO VERIFY THE VERACITY OF MY INFORMATION AND EASY TO OBTAIN BECAUSE OF THE NATURE OF THEIR BUSINESS.iT ALSO AFFECTED MY CREDIT SCORE AND WILL FOR SOME YEARS. WITH ALL THOSE RESOURCES THEY HAVE. THIS STATEMENT IS FALSE AND MISLEADING. I HAVE XXXX CREDIT PROTECTION AND I CHECKED, THERE WERE NO RED FLAGS ABOUT MY IDENTITY 'S VERACITY. THIS TYPE OF BUSINESS SHOULDN'T BE PRACTICING THESE TACTICS. I THINK THEY SHOULD BE MADE TO PAY A HEAVY FINE. FOR THIS SCARY TACTICS THAT WE HAVE UNDERGONE AND STILL WILL COST US SLEEPLESS NIGHTS AND CONTINUED XXXX AND XXXX XXXX AND PAIN. THANK YOU FOR YOUR HELP, CFPB..
01/05/2019
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Charged fees or interest you didn't expect
OR
97124
Web
I went to pay off the entire balance of {$780.00} on XX/XX/18. The payment due date was on XX/XX/18. I was assessed a late fee, but what caught my attention was a finance charge of {$16.00}. According to my monthly statement, of which the closing date was XX/XX/18, my previous balance was {$610.00}. The interest on this card is 26.99 %. The " balance subject to interest '' amount was {$720.00}. I XXXX at math so I can't figure out how that interest rate was assessed nor how that particular " daily balance '' was calculated. When I inquired and asked for a written mathematical explanation of this I was told the same thing every time. The only way to avoid a finance charge is to pay the balance by the due date. I paid over my balance so I could pay off the entire card after the payment due date but before the statement closing date.
Like I said, I XXXX at math, but these numbers just don't add up for me so to speak. I don't like questionable charges. So I'm hoping you will get a straight answer or can provide one for me that explains where the numbers come from and how it all adds up, from why the payment due date is different from the statement closing date, ( which is an after thought ), and with a mathematical explanation, exactly how the " daily balance '' is calculated in concerning assessed interest.
I have attached numerous files, for reference but also in the event you find something I missed in terms of questionable charges. The unnumbered XXXX pdf and the questionable finance charge are the two related specifically to this complaint.
03/16/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
NC
27216
Web
I spoke with Comenity Bank on XX/XX/XXXX and was offered a settlement amount of {$330.00} which would settle the account. I paid the {$330.00} on that day. A few weeks ago I received a letter from XXXX XXXX XXXX stating that there was a balance of {$240.00} being reported by Comenity Bank. I contacted Comenity Bank on XX/XX/XXXX asking about this. I was initially told that there was no record of the account being settled nor no record of a payment made for {$330.00}. After me being persistant they finally stated that they did see the payment of {$330.00} made on XX/XX/XXXX but that they didn't see where it was noted that it was a settlement. The final rep that I spoke to on that day stated that although what I said made sense that the phone call would have to be pulled in order confirm what was discussed and in order for that to happen I would have to request in writing, to Comenity Bank, that I would like this call reviewed in order to confirm what was said on that call. I mailed the correspondence that was requested. I was advised today that I would have to have a subpoena to have the called pulled in order to confirm what was told to me. I was also told that I would now have to contact XXXX XXXX to dispute this info. I am not asking for any phone records for myself. I am only asking that they do what they said they would do internally and pull the call internally to confirm that the account payment was in fact offered as a settlement. I am not asking for them to provide the record to me so I don't understand why a subpoena would be needed.
08/18/2017
Yes
Debt collection
I do not know
Communication tactics
You told them to stop contacting you, but they keep trying
CO
80920
Web
I was called today several times from XXXX and they said they were looking for XXXX XXXX, I said that I was he, then the guy threw out a birth date and expected me to verify it. I had no idea who it was but when I said, what can I do for you, he said no it 's what I can do for you. You owe HSN money! I said excuse me, I do not owe them money and he said yes I did and that I needed to pay it. I said no. But then he said I have been collecting debt from deadbeats like you since 1999 and you need to pay your obligation. I do not have any. I asked him to stop calling me as he was calling my private cell and he refused to do so. Then when I asked him to send me a signed contract he basically refused and said I will send you something. Something by law is not a signed contract. I do not owe his company XXXX XXXX XXXX anything. I do not have a signed contract with his company and I will not continue to be harassed by them. When I said you need to stop calling me he said put it in writing. Yeah okay, here it is, in writing an official compliant with the CFPB demanding that you cease and desist with all communication since you have violated the FDCPA by calling me when I asked you not to. I do not want anymore calls from you. I do not want any emails from you. I do not owe you anything so stop harassing me like you did today. You are a 3rd party collection agency and I do not owe you anything. Just because you bought a debt does not mean that I am contractually obligated to pay you anything especially when I do not owe anything to you. STOP CALLING ME
07/31/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
IL
60465
Web
In XX/XX/2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment.
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago.
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment.
I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.
11/23/2021
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account status incorrect
GA
30039
Web
I paid off the balance in full for Comenity/XXXX XXXX XX/XX/2021 in the amount of {$2500.00}, which was the amount indicated to be paid to fully close out the account according to the payment site. Naturally, the account should close itself after the payment posted as no subsequent charges were made to the account.
I was billed a residual finance charge a month later on XX/XX/2021 of {$5.00}, which I was unaware of as I knew I had no further obligation to this account.
Once I realized that XXXXComenity was still sending statements, I called to find out what the charge was for and paid it immediately. This residual finance charge of {$5.00} reported as a 30 day late marker for XX/XX/2021, which is inaccurate as my entire pay history with this account has been on time. I never received any delinquent notice nor a phone call from their collections team to remedy.
I initially called to review this with ComenityXXXX but XXXX refused to speak to me about the reporting of my account. I then submitted a dispute to the credit bureaus and ComenityXXXX XXXX XXXX negative reporting. But they have now put the inaccurate reporting back. I have again recently disputed and they have not resolved the reporting.
It is disturbing that I have paid all charges due and interest that they required, they billed me more charges after the fact, and then report derogatory information for a {$5.00} fee that I was not even aware of. This is unfair treatment that I want resolved immediately. This {$5.00} fee has drastically negatively impacted my credit and my life.
02/17/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
CT
06450
Web
XX/XX/XXXX I had a balance of {$21.00} And I paid my bill in full on XX/XX/XXXX. I also called in the same day because my bill was due on XX/XX/XXXX and I was late. I typically do not carry a balance monthly with XXXX and I thought my bill was due on XX/XX/XXXX I spoke with a representative and she advised me I would not be charged a late fee and they would waive it as a courtesy and I would not be reported to the credit bureau as being late. What has happened is the rep never waived the late fee for me in XXXX and for the next seven months going forward since XX/XX/XXXX to XX/XX/XXXX I have been charged a late fee every single month! And I also received a letter that my credit limit has dropped from $ XXXX {$3000.00} and now my credit limit is {$100.00} I have called every month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXr XX/XX/XXXX for this to be fixed and they all told me they couldnt help me and I told them that I am not paying seven months of late fees as I do not carry a balance on my credit card I paid that. Finally on XX/XX/XXXX I spoke with a supervisor XXXX and he made me pay {$22.00} and he waive the late fees and brought my balance to XXXX he also told me he would fix with all three credit bureaus and I also sent in a letter which they asked me to for them to fix my credit reports not report me as being late on all three of my credit reports it shows my account being negative. As of today XX/XX/XXXX my account still shows negative on my credit reports and my credit limit is only {$100.00} and nobody has fix this yet
05/06/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
AL
36695
Web
To Whom It May Concern, I am writing you in regards to late payments on my credit reports ( XXXX , XXXX , and XXXX XXXX for my Victorias Secret account. I understand how important it is to make timely payments, and that failure to do so can create inconvenience for you. However, I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. Over the past couple of years, I have experienced job loss, loss of a child, and an eviction. In the last year, I have achieved job stability in which I am truly confident that I will not miss any payments. I have taken steps to ensure my financial responsibility moving forward. As a courtesy, I am requesting that Victorias Secret make a goodwill adjustment and remove the late payments for the following credit card ; so that I may qualify for a USDA home loan. I understand that I am requesting a lot from you, but please know that any consideration would be a blessing. XXXX 6 M issed Payments XXXX and XXXX XXXX XXXX , XXXX , XXXX , and XXXX XXXX XXXX 6 Missed Payments XXXX and XXXX XXXX XXXX , XXXX , XXXX , and XXXX XXXX XXXX 6 Missed Payments XXXX and XXXX XXXX XXXX , XXXX , XXXX , and XXXX XXXX I have worked extremely hard to get back on my feet and repair my credit. This will definitely help improve my credit worthiness and give me the renewed confidence as a Victorias Secret c ustomer in good standing. Thank you for your time and consideration XXXX XXXX
04/06/2017
Yes
Credit card
Billing disputes
OH
44706
Web
i placed a order on XXXX/XXXX/XXXX i did not receive my items but shortly after placing order i was in the hospital. when i came home i noticed i had a bill from victoria secret i called and educated them i did n't recieve my order the rep on the phone told me she would place the order into dispute and then transfer me to a rep to replace my order.never told me that i needed to make payment just said that it would take 60days for dispute to be resolved. mean while i received my replacement order a few days later and i returned all items XXXX/XXXX/XXXX a few days after receiveing. then i was put back into the hospital and my husband made a payment due to a bill i received. i have called the company serveral time to figure out why i have a bill and was charged a late fee. one person said i was charged shipping so then they xfer me to shipping department. the shipping department says i was not charged shipping. from my math i was charged was charged XXXX interest XXXX for account XXXXXXXX late fee and XXXX that no one can tell me where that came from. for a total of XXXX in fees and XXXX that no one understands.t i should not have been charged because 1st order was not received and everything from my replacement order was returned.and never told i needed to make a payment due to the dispute was filed and shouldnt have been charged account XXXX because i dont have any items. my husband did make a payment that he should n't had but he was unaware of the issue. so i will be having my bank reverse that payment due to i should not have had a bill
07/12/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Application denied
UT
84651
Web
I received a denial letter in the mail for a credit card that I never applied for. The letter came from Comenity Capital Bank in XXXX Ohio and although it appears to look legitimate I know it is not. Upon further review you can definitely see that the letter looks very fraudulent. It looks like it is phishing for information from me and a lot of the words are misspelled. The reason for the denial is really odd as it states : Here are the reasons for declining your request : Lack of real estate Too few accounts paid as agreed Too few bank cards with high credit limit Too many inquiries I dont know about you, but if you are anyone with intelligence who has applied for a credit card and been denied before, these are none of the reasons that they deny you. They usually deny you for reason like delinquent accounts, not enough credit history, too much debt, not lack of real estate or not enough bank cards with high enough credit limits. When I read through this I knew this was not a legitimate denial letter.
I dont recall applying for a credit card named XXXX XXXX XXXX I am in the process of paying off my debt so it doesnt make any sense. If you will also notice XXXX is misspelled and should be spelled XXXX. So I want to report this because if someone didnt know any better they would have fallen for this misguided attempt at a denial letter. The concerning part is they have pulled my credit score and attached it to the letter so they have to have access to my information somewhere. Do people really have nothing better to do with their time?
08/01/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
FL
32835
Web
Servicemember
In XXXX of this year I made a purchase on my Pay Pal credit account from the XXXX for {$180.00}. The Post Office said that the package was " delivered to an individual '' at my address on XXXX XXXX, XXXX. Anyway that was what the tracking stated online. The problem was that no one was home that day, both my husband and I were in XXXX, Florida on business and since we are the only ones that reside in our home we knew something was wrong. I first contacted the merchant on XXXX XXXX, XXXX, they said that they would put in a package search request. In the meantime I called the Post Office and notified Pay Pal that I never got the item. They did not seem to care ... Later in a letter/email dated XXXX/XXXX/XXXX the Post Office admits that they could not locate the package. I advised Pay Pal by giving them the letter and repeatedly informed them that I never got the package. THEY REFUSED to refund my money and I need your help.
This package was never delivered to our home and to date there has been no replacement provided by the merchant.
Additionally Pay Pal had an issue with their on line bill pay and had assessed me interest charges ... I pay enough each month to avoid interest and participate in their 6 months interest free program and have complied with all the requirements of that participation.
I want all interest charges and late fees reversed and a refund of the item that I never received in the amount of {$180.00}. I will fax the letter to you from the Post Office stating that in fact they could not locate the package in question.
11/20/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
GA
30092
Web
Please advise that this is a continuation of CFPB complaint number XXXX. I previously contacted Comenity/Victoria 's secret advising that I dispute the account listed on my credit report under FCRA 623 XXXX a ) ( XXXX ) ( D ). At this point my issue has still not been resolved and this company has left me no choice but to file a lawsuit in the state of Georgia due to their unwillingness to delete the inaccurate account that they have included in my credit report, which has damaged my credit rating and caused emotional distress.
This company previously responded stated that they will not delete this account because they're required by law " to report factual information ''. They stated that they will update the account to discharged in chapter XXXX bankruptcy instead of as a charged off account. First of all, I have never had a bankruptcy. Secondly, this account was updated on my XXXX credit report on XX/XX/21 as a charged off account in the amount of {$71.00}, which is completely opposite of how this account was " allegedly '' supposed to be reported. According to Comenity Bank/Victoria 's Secret, they are required " to report factual information ''. However, none of the information they have reported is factual.
This is my final request to have this account removed from my credit report. If I get another pointless response saying this account has been " verified '', this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit files, namely XXXX, XXXX, and XXXX,
09/11/2019
Yes
Debt collection
I do not know
Written notification about debt
Didn't receive enough information to verify debt
CA
92620
Web
For about 6 months i have been receiving an 'Unknown ' call to my cell phone. Up to 10 times a day. They never leave a voice mail so I thought it was just a spam call and was frustrated because I could not block the number. Then I started to get texts to contact Comenity XXXX XXXX RE : XXXX XXXX XXXX starting on XX/XX/2019. Again I thought it was spam.
Today, XX/XX/2019 they left me a threatening voice mail about the status of my account. And that is was 'escalated status that needed to be repaired in regards to this matter and the decision rendered may directly impact you without a response. ' I have no idea who Comenity XXXX or XXXX XXXX are. I have no account with them, never bought anything from them etc ....
I called the XXXX number and spoke to someone in their call center. I told them I have no idea who they are, don't have an account with them and asked them to tell me what this is in regard to. They would not tell me anything unless I confirmed my address and last 4 of my SSN. I told them there was no way I was going to give them my personal information and that it sounded like a scam. I also told them that they engaging in Unfair, Deceptive and Abusive acts and that I was going to file a complaint with the CFPB and if they called me again they would be speaking to my lawyer.
They said they would remove my number and not call me again but I want to make a record of the conversation because I have no idea who they are and if they will attempt to ding my credit or anything else these unscrupulous companies may try to do.
02/09/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
11003
Web
Older American
Purchase XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX plus giving up my old XXXX XXXX in the amount of XXXX a total of XXXX. The XXXX XXXX were return to XXXX XXXX on XX/XX/XXXX with US Certified Mail Tracking Number XXXX we have made continuous attempts to get the money credited back working with both XXXX XXXX and XXXX XXXX and they keep denying the claim, saying they did not receive the XXXX XXXX according to the USPS they were received on XX/XX/XXXX we have the return receipts from them.
We have file complains with the company NYS Office Of Attorney General File Number XXXX.
We return the XXXX XXXX due to the fact that we were issues with the XXXX XXXX from the beginning we went in for several appointments with no resolution. No Warranty card was ever giving to me leaving that led me to the conclusion the XXXX XXXX were old or use. No LACE program access was ever given for me to configure XXXX XXXX We started writing Emails on XX/XX/XXXX with no resolution and began writing letter to XXXX XXXX to have the problem resolved with it was never resolved Wrote A Letter dated XX/XX/XXXX and that was sent along to XXXX XXXX on XX/XX/XXXX with the XXXX XXXX XX/XX/XXXX File a claim with New York State Attorney General received response from them XX/XX/XXXX Received Letter from XXXX attached dated XX/XX/XXXX stating that XXXX XXXX claims non receipt of merchandise Wrote follow up letter on XX/XX/XXXX received response letter from XXXX XX/XX/XXXX wrote follow up letter XX/XX/XXXX including all information I am attaching
02/03/2021
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
LA
71055
Web
Im not sure if I made the correct selections here, but I couldnt find the right options for our situation. Around XXXX of XXXX, my wife opened up a XXXX card to work on our credit, adding me as an authorized user. The purchase was XXXX {$20.00}. We never received our XXXX card in the mail. The card & account were forgotten, as we moved out of state a few months later. The account is showing on my credit report, me as an authorized user with late payments from around XX/XX/XXXX to XX/XX/XXXX. The account, which was opened in XXXX, had no charges in XXXX or XXXX. The account is now closed.
We have called the collection agency and XXXX in order to remove me as an authorized user from the account. No one seems to understand what we are asking for and they keep sending us back and forth between the two places. XXXX says they can not do anything because the account is closed and the collection agency says they only handle the collections part. I understand this for the collection agency, but I feel as though XXXX could hear out this issue better and remove me as an authorized user.
As of today, my wife and I are trying to buy a home as rent is very high in our city. Financially, we would much better off owning a home and saving a few XXXX dollars a month, than sinking money into rent on a home we can not own. We need the account taken off of my credit report to raise the score enough to qualify for a home loan. Our lender suggested that we reach out to CFPB for any help we could get.
Thank you in advance for any help you can give us.
09/15/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
TX
77019
Web
This is a complaint of race and age discrimination.
More than 6 years ago I led a picket outside a Victoria 's Secret here in XXXX, Texas for race discrimination regarding lack of XXXX XXXX models ' pictures on display in the XXXX XXXX location. Our pressures eventually led to that location 's closing. Not long afterwards I began receiving from Victoria 's Secret Comenity notice of the reduction in my credit card limit. It occurred again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I recently turned XXXX on XX/XX/XXXX, and Victoria 's Secret is fully aware because birthday discount sent. When I contacted Victoria 's Secret customer service today, XXXX XXXX, XXXX at XXXX XXXX. I spoke to XXXX and asked who determined the need to constantly reduce my credit limit and he said it was there at Victoria 's Secret. I reminded him of no problems making monthly payments so why the reductions? He said that every 90 days credit bureaus provide Victoria 's Secret information. Considering overwhelming fraud at every turn, I asked why no one at Victoria 's Secret had contacted me directly since this reduction was a regular situation? He could not answer and said he could re-send those same reduction letters to me. I feel strongly I am discriminated against due to my nationality and now age ; denied due process because Victoria 's Secret never cared to contact me to hear my position and take corrective action not to my detriment. Complaints on credit bureaus have gone unaddressed and fraudulent activity on my credit history reflected in generalities.
05/31/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
OH
43613
Web
Around the week XX/XX/XXXX I contacted XXXX XXXX as well as Comenity Bank in regards to cancelling a trip I have scehduled for XX/XX/XXXX to XXXX XXXX. I jumped right on the matter as soon as the Pandemic started being that we weren't sure how the events would turn out and didn't want to wait until the last minute as we understood it would be a process trying to cancel the airlines, shuttles and resorts. I have gone back and forth between XXXX rewards and the Bank filing disputes with XXXX trying to get this matter resolved. I have been sent on a wild goose chase. I receive correspondence via XXXX XXXX that they were unable to submit a refund for my flights as they do not actually have the funds until we board the flights and XXXX actually has the funds. Every time I speak with XXXX they send me to someone else and act as if they don't have the authority to process the refunds for the trip. Our government has advised us against international travel as its still not safe and we could possibly be stuck out of the country. The airline changed our flights without permission due to the rules for flying into XXXX they aren't allowing direct flights there due to Covid-19. I would like to have this matter resolved without losing over XXXX in the process because of an unexpected pandemic that none of us knew about and these companies are acting as if they don't know what going on and its very bad business and I even purchased trip insurance which was the only thing they would cancel and refund but not the trip in its entirety for refund.
03/28/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
AL
35213
Web
In XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges.
In XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of.
Currently, the late payments for XXXX and XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus.
I also received a letter from XXXX -- XXXX XXXX datedXX/XX/XXXXthat says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XXXX, how could I have late payments in XXXX and XXXX of that same year?
Thank you for your help in this matter.
08/11/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MD
20705
Web
I made a purchase online through HSN.com. In order to get promotional offer, I was told I needed to open an HSN card which I did. I made a purchase on XXXX/XXXX/XXXX for {$130.00} then another purchase on XXXX/XXXX/XXXX for {$47.00}. In the month of XXXX, I called inquiring about the credit card and was told the bill would be generated in XXXX. I waited until XXXX, once I received the bill, I made the payment on XXXX/XXXX/XXXX for the total {$180.00}. On XXXX XXXX, XXXX, I was then charged finance charge of {$4.00}, then on XXXX/XXXX/XXXX was then charged a late fee of {$27.00} and on XXXX/XXXX/XXXX minimum charge of {$1.00}. In fact, I was n't aware I had those charges on my account. HSN or the credit card company did not notify me so I was under the impression I paid my credit balance in full. After I found out about the charges, I called HSN spoke to a representative who stated they will look into it and freeze the account. I was n't comfortable with the fraudulent charges so made the payment once again on XXXX/XXXX/XXXX of {$59.00} simply because I do not want it affect my credit score. Now my account is at {$0.00}. Today, I checked my account there is a finance charge of {$1.00}. First of all, I would NEVER shop at HSN the worst and I would like to know why do they keep incurred another charge of {$1.00} towards my credit card when in fact I made all payments included the frudelent charges the placed on my account. Please help, I am frustrated and will to file a lawsuit against this company!!!!! Please contact HSN at XXXX.
10/30/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
11236
Web
Older American
In XX/XX/2018, I make an online purchase and changed my mind after realizing I didn't need the things I selected. The next day called store 's customer service to cancel the order and was advised order was being processed therefore to cancel the order don't pick up the order at the store when notified. A few months on XX/XX/2018, I received a bill with a new balance for the canceled purchase for {$70.00} plus unknown fees of {$1.00}, totaling a new balance of {$71.00} for XX/XX/2018. Upon viewing the bill I called customer billing service, after much back and forward discussion it was agreed the charges stemmed from the canceled order and would be corrected. I now see after viewing online bills starting with XX/XX/2018, the order price of {$70.00} was removed from my bill leaving the remaining balance of {$1.00} to incur interest for each following month. Accumulating in a new balance for this account of {$100.00}, including an expired refund check for {$1.00} on XX/XX/2018, a late fee of {$32.00} on XX/XX/2018, an interest charge of {$2.00} on XX/XX/2018 and an Account Assure fee of {$2.00} on XX/XX/2018 for insurance that offers no benefits to me considering I'm unemployed due to retirement. Creating a total new balance of {$100.00} for the month of XX/XX/2018 with a warning : Late payment warning : If we do not receive your minimum payment by XX/XX/2018 you may have to pay up to a {$38.00} late fee. All of this for a canceled order that I never taken possession of - there was no fair trade or agreement in this entire process.
10/25/2020
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Problem with the payoff process at the end of the loan
NV
89014
Web
This is formally the third time I report this company.
I have everything documented and I expect that you take this in a professional matter and with competency that your agency should have.
I do understand you are not a lawyer yet eveything is documented and clear and apparently is not being investigate properly.
The company is Comenity Capital Bank XXXX XXXX XXXX XXXX TEXAS XXXX I made muliple occasions and documented all the attempts I have done online and other phone to MAKE MY LAST PAYMENT TO AVOID DEALING WITH THEM ANY LONGER. 1 ) THEY KEEP ACCEPTING MY BANK ACCOUNT INFORMATION, TELLING ME THAT THE LAST PAYMENT WAS GOOD 2 ) SENT ME CERO BALANCE LETTER 3 ) SENT ME CLOSED ACCOUNT KETTER 4 ) I GIVEN THEM TWO OF MY BANK ACCOUNT TO PULL THE
MONEY.
5 ) THEY JUST SENT AN ESTATEMENT THAT ADDED INTEREST AND LATE PAYMEMT FEES AFTER TELLING ME ALL WAS OK.
6 ) PLEASE REFER TO ALL MY OTHER DOCUMENTS WHERE I REPORTED THEM TO YOU BY DOING THE SAME FRAUDULENT MOVE : NO COLLECTING THE MONEY TO KEEP COLLECTING FROM ME LATE FEES AND ADD INTERS.
7 ) Despite all the email exchange though the secure website, the documents they sent reassuring me that account was closed and " XXXX balance. Numerous phone calls and speking to the Supervisors YET AGAIN THEIR ACTIONS ARE OPENLY INTENDED TO MANIPULATE FRAUDULENTLY THE SYSTEM TO KEEP COLLECTING EXTRA MONEY.
8 ) I CALLED MY TWO BANKS TO MAKE SURE IF THEY EVEN TRY TO COLLECT OR IF THERE WAS A PROBLEM AND THEY TOLD ME THEY DID NOT ATTEMPT TO COLLECT NOR THERE WAS A PROBLEM WITH THE ACCOUNTS.
08/18/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
PA
15108
Web
I purchased a ring from XXXX on XXXX in the amount of XXXX. I never received the ring and contacted XXXX. They told me XXXX delivered the package on XXXX! I was sent a copy of the signature and it was clearly not my signature and my last name was spelled incorrectly. I was told it would take 90 days to get this resolved and told to contact the police, which I did and get a report, which I did. After numerous phone calls and correspondence over 2 months I was told by XXXX they didn't find anything wrong with the shipment and that I needed to pay for something I never received! They told the police I had filed missing deliveries 8 times in the past 2 years, which is a lie. I pulled up my transaction history and it shows all of my purchases, payments and returns with credits. I had a good relationship with this company over several years and have always paid on time in full! They keep telling me they have a signature, which again, is not mine. If I had 8 transactions in the past 2 years that were reported as missing, why would this company keep doing business with me after just a few times of missing deliveries? I have no late payments to any of my creditors and have no criminal record, yet this company is treating me like a criminal. Why wouldn't they insure a delivery of this amount? I am trying to attach all necessary documents but they are not going through. I have about 30 statements, police reports, statements of fraud, bank statements and letters from XXXX to prove my point. The police are continuing their investigation.
12/31/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
IL
60628
Web
XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX. The company simply indicated that the alleged debt had been transferred to a collection agency. XXXX also advised me the account had been validated with my name and birth date. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX XXXX XXXX and XXXX XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? Verifying my name and birthdate is not legal validation of an account. The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, XXXX, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
01/04/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
OH
44121
Web
Servicemember
This complaint is with XXXX XXXX, for my XXXX XXXX account, account ending in XXXX This account was charged off/written off. After it was charged off, I contacted XXXX to pay the balance off and that 's when they told me it has been charged off, but offered me a settlement amount, which I declined, because I wanted to PAY IN FULL, because I needed this account deleted from credit report, as I am trying to buy a house, as I explained to my account manager there, XXXX XXXX, ext XXXX. She said once the debt is paid to send a letter to their credit dispute reporting department to have it removed from my report. when I contact them to dispute, the only thing they keep doing is updating the status as " paid collection '' I also was told I would get a paid in full letter, but I have not got one yet, so I called my account manager again XXXX to ask for one and her words were " oh you have not gotten one yet, ok I 'll get one out to you '' Since I paid this account in FULL, I am no longer responsbile for this debt Also, XXXX still collected the full balance on this account from me after they had already written it off as profit and loss, so they got double paid. I am asking once again for XXXX to please delete this account off all three credit reports, as I have paid my debt in FULL and they were compensated twice, when they wrote this account off as profit and loss and their taxes and when I PAID THEM IN FULL. I am still waiting on my PAID IN FULL LETTER, so I can have in case I need to further dispute this account by other means,
02/13/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Other personal consumer report
Problem with a company's investigation into an existing issue
Difficulty submitting a dispute or getting information about a dispute over the phone
PA
19023
Web
Dear Comenity bank I XXXX XXXX the Living in person have tried to once & for all dispute this account on XX/XX/XXXX however after multiple attempts I have not been successful after reaching out by phone & demanding to speak with a supervisor I was told Comentity bank agent XXXX told me they could not discuss my account with me & that she couldnt answer any of my questions pertaining to Comenity bank still illegally furnishing on my consumer report while my account is still currently under investigation as well without my consent the original XXXX XXXX living person! You still have & continue to use these practices violating my Federally Protected consumer rights 15 usc 1692 ( 6 ) ( a ) ( 2 ) ( 3 ) ( B ) pursuant to 15 usc 1692 ( d ) ( I ) following 15 usc 1692 ( e ) 15 usc 1692 ( j ) Pursuant 15 usc 1611 Willing-fully and knowing Comenity bank reported a stays update on XX/XX/XXXX, Two late fees on XX/XX/XXXX consistently Voilatiang my rights accordingly to the TILA Pursuant to 15 usc 1692 ( k ) ( a ) I Demand you refund on all any & all payments made on the account social ending in ( XXXX ) since the account has been opened on XX/XX/XXXX I wish to rescind on all contract pertaining to my childrens place credit card account because of Comenity Bank illegal practices I have suffered from the information was shared with third party agencies 15 usc ( 13 ) Discrimination in the process of buying a home, leasing or financing a vehicle for me & my children Comenity Bank has cause me pain, suffering, frustration, time money ect..
08/17/2020
Yes
Checking or savings account
Checking account
Problem with a lender or other company charging your account
Can't stop withdrawals from your account
GA
30135
Web
Wayfair is an extremely unprofessional company, even though they are all over the media drawing consumer in their dark web, like me. I order a California King Size Bed, A Corner Desk and A Chest of Drawer for this company. When I found a professional to assemble my bed, he and I discovered I was sent the wrong size bed, I verified my order details and it clearly state California King Size. I purchase new mattresses ( California King size ) they hang off the mattress by 2 feet on the side at least. Bed appears to be a Queen. When I called them yesterday the Customer Service Representative was apparently not having a good day. He argued with me they sent what was order, and I was XXXX and did not know what a California King size bed is. I said " sir I currently have a California King size bed ''. I ask him to send someone to break down the bed and send back and credit my checking account as it is not my fault the company sent the wrong size bed. I told him I was already out of expense in having someone put the bed up and it is only fair for them to cover the cost to have it broken by down and reshipped. He told me they would not be doing that and hung the phone up in my face. I have two other items that needs to be sent back, a chest of drawer that was to go with this bed, I need shipped back Wayfair expense. I have attempted to stop the shipment of a corner desk that has not arrived yet. I will never order from this company again. I am at their mercy in that they have my debit card information to credit back at their will.
01/31/2017
Yes
Credit card
Billing disputes
NY
12569
Web
I did a XXXX loan thru comenity capital bank it was an 18 month interest free loan we had signed up for e-billing, however the statements ended up going into spam after the initial setup, but we always logged into our account first week of the month to pay since we knew was due, the 18 month grace period expired and they are billing me for past interest, A -- the only way we realized the oversight was when I received a TEXT for past due amount about 2 weeks after expiration date, the payment in fact had already been made and when we looked at account we saw balance had jumped by app {$2000.00} B -- I called right away and was told about the expiration so I immediately paid the principle and said I would not pay outstanding interest, I have contacted them numerous times to resolve this issue to no avail and they want me to pay {$2000.00} for a less than 3 week oversight C they continually harp on the notice in the statement, even if I did receive the statement there is only ONE small line in a XXXX page statement with the expiration date noted D -- also they can send me a text about a past due amount [ that did n't even exist at the time ] after the expiration and yet could n't send a text that the grace period was about to end F I have told them numerous times I will not pay and send to collections and to stop adding obscene interest charges on top of interest charges G their notification policy sucks and is strictly selective to their benefit and they take advantage of minor oversights with absolutely no regard for people
02/06/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
TN
38305
Web
Older American
Please refer to previous complaint number XXXX Regarding Company Comedity XXXX XXXX.
Account was paid in full XX/XX/XXXX. I over paid and received a refund. I wrote and mailed a certified letter to the company Comedity XXXX XXXX to close my account. At my request. I received a letter stating my account was closed due to too many inquiries.
I checked my credit report from XXXX. It now indicates a credit score of XXXX. XXXX claimed that the company Comedity had not reported on my account in 6 months. I have proof they did.
My XXXX credit reports also indicated that the company Comedity XXXX XXXX pulled a hard copy of my credit history XX/XX/XXXX. I called XXXX to find out why this company pulled a hard credit on me. The account was paid in full 12 months early and closed. I was told I had applied for credit again with this company. That is false. I paid this off and closed this account. I also ask that XXXX note my only 90 day past due period was due to a natural disaster, Covid. Ive never been late prior on this dental XXXX, Comedity XXXX XXXX. I was excused one month without penalty due to being in good standing. The next month they refused to lower my payments stating this dental bill was a digital credit card. It was not. I do not own a credit card of any type. Comedity XXXX XXXX indeed report my account to XXXX during the past 6 months and I have not reapplied for credit. The hard pull should not have been made after I paid the account off 12 months early and closed this account. XXXX refuses to fix my credit.
11/04/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
ID
83204
Web
Servicemember
I took out a $ XXXX limit store credit with Wayfair.com in XXXX of XXXX, and ordered furniture I would need to furnish my studio. The total came to {$1000.00}. I paid {$500.00} immediately and had planned to make the following {$500.00} payment after in XXXX. I thought the bill looked suspicious, as it never even gave me my full account number. I never received a credit card either. I requested online billing, and my request wasn't honored because I didn't have a card number or a full account number. The paper bills never gave an account number to set up online billing, just the last 4 of my SSN. In almost 2 years now, I have only received 2 paper bills from Wayfair the most recent being on XX/XX/XXXX.
I had an XXXX XXXX in XX/XX/XXXX that lead to a XXXX. ( less than 30 days after I took out the store credit. ) I contacted Wayfair as soon as I could to let them know that my payments had been delayed by my 40 day stay in the XXXX and ongoing XXXX care. Later I contacted them again to let them know that I have been placed on total XXXX XXXX due to my XXXX and ongoing care needs. Well, I received no paper bills or other communications about my balance and figured they'd given me a grace period. Now I have a collections bill for around {$1500.00} on a $ XXXX credit card as if I hadn't paid anything, and they are citing interest and late fees? Almost $ XXXX in interest and late fees is outrageous, and I believe it could be usury. I'd like a full investigation please.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX act # XXXX
11/24/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
IL
60418
Web
Had no problems when this was XXXX XXXX credit card once store went out of business ( XXXX XXXX ) took over the credit card nothing but problems since.I Pay my credit card off every month not everyone can do this so I warn people of this fraudulent practices by ( XXXX XXXX ) made a purchase onXX/XX/18 got bill in mail due date was on XX/XX/18 I Mail all my bills out at least a week before due date .my payment was received onXX/XX/2018 got an email stating that it was paid on this due date XX/XX/2018!!!! when I got my next statement in mail on the week XX/XX/18 I had a late charge and finance charges because someone in their customer service department or billing department put XX/XX/2018 as the payment date so I called customer service on XX/XX/2018 and told the customer service the situation and I stated that it was paid on the XXXX not the XXXX and it must be human error on the typing but customer service did not want to hear this went in one ear and out the other so they took off the late charge also at this time on phone I canceled my credit card with ( XXXX XXXX. ) When I got next bill in the mail they left the finance charge on Bill statement for no reason but ( XXXX XXXX ) human error mistake so ever since then my finance charge and late charges have been occurring and I have been getting harassing calls on my two phones 4 to 6 times a day for their mistake this could've been resolved back in XXXX so fair warning to anyone that deals with ( XXXX XXXX ) corrupt and fraudulent charges maybe put on your bills
09/02/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
NC
27405
Web
Servicemember
Seeing that the world was and still in a pandemic with Covid and me dealing with deaths due to XXXX and being their for immediate family as well as grieving I honestly overlooked the bill. It is funny how they have assistance for those who are experiencing hardship due to Covid, but no compassion for those who inadvertently forget to pay a bill and never been late. I had this account for over 9 years and never missed a payment and when they finally got in contact with me I then pay the balance off in full apologizing for missing the payment.
Not only did they report it after I asked not too due to the circumstances they also blocked my account for further use. I mean really and I missed 1 payment and turned around and paid the entire balance off. Bit to mention other store cards I have with Comenity have also been restricted and I am about to cancel and close all of the cards that had for years and once again never been late.
To top it all of I put in a dispute early this month when I seen the reporting and it was removed, but once I requested to close the account they retaliated and put the negative remark back on. How does a company get way with that. They can remove it ( I have screen shots ) but when I choose to close the account they can go back in and place it back on.
I need someone to step I. And look at the larger picture of a consumer who has several cards with this bank and never Been late for a number of years, we are not speaking of 1-3 years.
Please step in to help rectify this issue.
Thank you
09/14/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CA
92692
Web
Older American
There is a charge of {$12.00} dated XXXX XXXX on my XXXX XXXX XXXX XXXX credit card ( owned by Comenity Capital Bank ) which I am not aware of that charge and the credit card company has not yet been able to tell me what that charge is for. However, although I never received a statement for that charge either by email or by US mail, I have been willing to pay that {$12.00}, but the collection department in the comenity Capital bank has been very deceptive, dishonest, cheater, manipulator, harassing and has been playing games with me in regard to omitting all the late and finance charges. I have talked to at least 8 different representatives and I have never experienced such dishonest and deceptive customer service in my life. A couple of them finally agreed to delete all the late and finance charges, but when I gave them my checking account information.they wanted to charge me for a couple more late fees.
The fact of matter is that I have spent at least 9 hours with them for a charge that I am not aware of. I have always paid all my bills to all my credit card companies on time as it is evident from the enclosed attachment about the last payment for {$42.00} on XX/XX/2020.
My XXXX score is over 800 because I have always paid all my bills on time.This Bank is a horrible CHEATER with very poor and harassing customer service.
I strongly believe that the company intentionally does not send, occasionally, the statements to customers to rip them off with late fees and finance charges ; m in my case {$64.00} for {$12.00}
10/25/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
MA
02151
Web
In XX/XX/2019, I went into a XXXX by Victorias Secret, and went to purchase undergarments. My purchase cost {$35.00}. When I went to the register, the young woman told me if I signed up for a XXXX Credit Card, I would receive {$25.00} off my purchase and only have to pay the remaining {$10.00}. I asked if there were any fees or any tricks and she said no. So I signed up, my total came to {$10.00}. I handed the woman a {$10.00} bill, took my purchase and left. I didnt authorize any charges, or anything of the sort. I simply signed up for a card and paid in cash. A few weeks later, I still hadnt receive the card, so I called to cancel it. They told me I had a {$10.00} past due balance on my card and if it wasnt paid by XX/XX/XXXX, it would be reported to the credit bureaus. I went to the store, spoke to customer service and filed a dispute. I had already paid the {$10.00} in the store for the merchandise with cash. And even if I hadnt, they never got my permission to authorize the card for any amount. I never said anything, they never verbalized it or showed me anywhere. So not only did they charge me twice, but they never got my permission to do so. Its a scam. I called the credit company again today, and my balance is now {$22.00}. They are not allowed to charge peoples credit cards twice, and without authorization. They would not remedy the situation, so I paid the balance so it wouldnt affect my credit. I will never use this company again because they can not be trusted and getting people to sign up is just a scam.
08/28/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
CA
90623
Web
Hello, I am submitting a complaint regarding my XXXX store credit card, issued by Comenity Bank LLC.
XXXX XXXX began charging customers a {$2.00} Residual Interest Fee in XX/XX/2021. I was not advised about the change and I had a XXXX BALANCE at the time the fee was assessed to my account. Because I had paid my bill IN FULL, I was unaware I would be charged a residual or trailing balance fee on the following months statement. XXXX proceeded to charge me late fees for not paying my late fee. The {$2.00} fee ballooned to {$30.00} between XXXX and XX/XX/2021. I contacted customer service as soon as I became aware of the charge. No one could adequately explain to me how {$2.00} became {$30.00} in a matter of 4 months.
I requested a refund and my request was DECLINED. The customer service agent explained that the policy changed in XX/XX/2021 and all customers were sent a notification. However, I never received any notification and the Comenity representative was never able to provide me with the policy or direct me where I could find it on their credit card website.
It should be noted this is the second time Ive had an issue with Comenitys lending policy. The previous issue resulted in me receiving a delinquent account notice on my credit score. Comenity is responsible for my ONE AND ONLY credit card delinquency in more than 10 years. I paid the account in full and disputed the the information with the credit bureaus, but Comenity refused to remove it. Clearly there is a serious issue here that needs to be resolved.
02/21/2021
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
OK
73099
Web
Servicemember
I have a Comenity Bank Card through XXXX XXXX. They keep lowering my credit limit for XXXX reasons. I have included correspondence asking for them to either raise my credit limit to the original limit or close the account altogether. They are refusing to do either. They have claimed that my credit changed when they lowered my credit limit after I made a payment. I have included a printout to show that as of XX/XX/XXXX there were no changes to my credit report. Their reasons why are fraudulent. I do not have too few bankcards, I do not have too many derogatory or delinquent accounts ( the accounts they are using against me are the other accounts I had closed because they kept lowering my credit limit to the point it was dragging my credit score down for the same reasons ), Not enough balance paid down over time, I can not keep up with the ever-changing credit limit, so I had no other choice but to close those accounts through Comenity. That is why several of their bank cards were closed. I have 19 inquiries from XXXX still sitting on my credit report. This not even be a factor. The one that gets me is the lack of real estate secured loans. Because of the games, they plan I do not qualify for a home loan. Why would not having real estate loans be a factor in lowering my credit limit? They claimed that they make contact with XXXX every month. How is that legal and fair? Why is my credit report on their radar? Why are they singling me out? Their credit practices are predatory and discriminatory. They need to be stopped.
10/05/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
FL
33619
Web
Was completing a purchase on the XXXX XXXX website and it stated I was pre-approved for a credit card and could take 20 % off my purchase today. I clicked on the link which directed me to XXXX XXXX to complete a short application. I was approved for the XXXX XXXX VISA credit card and it stated to click the link to return to XXXX XXXX to complete the purchase and receive the offered discount for getting the card. The link did not work and provided an error message. I called XXXX who said they could not help or provide me the account number to complete the purchase and receive the discount that was offered that day for opening a card. They advised I would have to wait for the physical card to arrive in the mail then make the purchase and call them to get the 20 % discount. They sent me the card in the mail and I was was about to make the purchase and find out the card was shut down. I would have never opened the account if they had not offered the discount for applying during the checkout from XXXX XXXX and saying I was pre approved and it would all happen instantaneously. Now I have a hard pull on my credit bureau and also no discount for my purchase or a open credit card. They lured me with the pre approval and discount and did not follow through. I want the hard pull removed as they lured me to apply under false pretense.They are in breach of the initial contract which allowed for purchase and discount during checkout on a pre approved card that I was approved for and the link to complete the purchase did not work.
06/28/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
DC
20007
Web
I purchased a ring from XXXX XXXX using XXXX XXXX Credit Card ( by Comenity LLC ). At the time of purchase ( XXXX 2016 ), the promotion was misleading as it described as if there would no interest payment for the 12 months. Instead, the promotion was actually deferring 12-month worth of interest payment on the initial amount, which is applied when full payment is not made by end of the 12-month period. In my case, I had already paid off about half of {$4400.00} of the intial amount by the 12-month period, but was charged with about {$1000.00} ( which XXXX XXXX credit card company had calculated with the prinicipal amount ) at the end of the promotion period. I was not aware of the deferred payment, nor do I belive that calculating 12-month interest payment on the intial prinicipal amount is fair. The monthly statement does not indicate anything about the deffered payments until the very end of the statement. Also I was not notified via separate email to warn me about the end of the promotion and changes it will make to the account other than a small section in the statement of the month the promotion ends ( which can be easily missed ). The misleading promotion, lack of customer service in terms of notifiying incoming charges, hard to find information on deferred interest payment on monthly statements, and calculation of 12 month interest on the intial principal amount make me believe that XXXX XXXX Credit Card wants the customers to pay larger amount of interest than they would have if they had no promotion at all.
11/10/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
MA
02129
Web
I am writing to alert this agency to anti-consumer business practices at Comenity Bank, a creditor that intentionally avoids making payments simple and certain for consumers and then irresponsibly and maliciously asserts undue control over their financial well-being.
Detailed explanation of the issue : I used my Comenity Mastecard at XXXX XXXX in XX/XX/XXXX for the first time in more than a year. I mistakenly thought I had set-up autopay on this account only to remember when it was too late that this account doesnt offer autopay. As soon as I realized my mistake, I paid interest and fees amounting to 22 % along with the entire balance ( {$150.00} ). Comenity Bank reported my delinquency to the credit bureaus, and the delinquency is having a significant negative impact on my credit score, preventing me from refinancing my mortgage and taking advantage of tens of thousands of dollars in interest savings.
I wrote to Comenity in XX/XX/XXXX explaining the situation and requesting a goodwill adjustment. With no justification, my request was denied. I then called and spoke with a manager who offered to personally request that the Credit Reporting Department reconsider my request. They again denied it with no justification.
I called again on XX/XX/XXXX and spoke to two managers first XXXX, then XXXX, who told me that the denial of my request was final. Neither would share the list of criteria used to determine whether a goodwill adjustment is warranted, but XXXX confirmed that the size of the debt is not a criterion.
04/08/2017
Yes
Credit card
Billing disputes
OH
44065
Web
Older American
I sent via USPS Certified Mail the following letter with documentation. I just received note from the bank that they never received the data and closed my dispute. I have a receipt from USPS Comenity Bank received the data. This has been an ongoing complaint since XX/XX/XXXX. Please help me with this opaque and perhaps dishonest bank.
XX/XX/XXXX Sir/Madam, Acct ending XXXX Dispute Please see the attached pages from my XXXX Statement.
XXXX issued a the following cheques to Comenity Bank : XX/XX/XXXX {$470.00} Rejected and returned XX/XX/XXXX XX/XX/XXXX {$1100.00} Rejected and returned XX/XX/XXXX I twice paid Comenity, unfortunately the money was returned. I did not know this and found out by accident when logging into my account. I immediately called Comenity and then wrote a personal cheque for {$1100.00}, attached the payment coupon and mailed it the next day. I did not want to risk another XXXX cheque. The payment has posted so now I am carrying a positive balance. The agent was very helpful and friendly and was kind enough to remove the late fees.
Despite my on time payments to Comenity, the bank has sent a 30 days past due notice to a Credit Bureau. My sterling credit, where I have never, never in XXXX years had a late payment, is now tainted.
I paid on time and Comenity rejected the payments. See attachments.
I want the past due note on my credit removed and corrected, immediately.
I greatly appreciate your help with this unfortunate situation.
Sincerely, XXXX Two Attachments, XXXX Statement Pages
01/03/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with customer service
NY
14221
Web
I am a victim of identity theft. On or about XX/XX/XXXX, I received at least XXXX order receipt confirmations from XXXX XXXX XXXX XXXXComenity Bank with multiple items that I did not purchase. When I attempted to access my online account, the password would not work. It was then that I realized that my email was comprised and a hacker obtained access to my social security number. He used it to apply for credit, open bank accounts, raise credit limits, purchase items, etc. On XX/XX/XXXX, I called Comenity Bank and alerted them to the Fraud. They did nothing to address it. The rep gave me false information on the phone by stating that an investigation would be opened, the account would be locked, and I would not be responsible for making payments on the purchases I did not make. However, today XX/XX/XXXX, I received another order confirmation so he did not do anything to protect me as a consumer from additional fraud. I also received a UPS shipment the hacker made that was somehow re-routed to my address. I have not received any return phone calls from either XXXX XXXX XXXX XXXX or Comenity Bank. They also left the fraudster 's phone numbers on my account, allowing him continued access to my personal information after I informed them the correct phone number is XXXX. I have the name of the hacker from an order receipt, XXXX XXXX, in XXXX, XXXX. I reside in XXXXXXXX XXXX at the same residence since XXXX, which is even more disturbing that Comenity Bank did not have enough security controls in place to suspect fraud.
12/18/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
TX
78723
Web
I had a credit card through Comenity for a medical procedure. I paid my account off in full on XX/XX/2019. In XXXX, they charged me {$23.00}. I emailed to simply ask what the charge was. I was told that it was an error and would be refunded to my account in full ( resulting me back to a {$0.00} balance ). This did not happen. I emailed several more times and had to eventually call them in early XX/XX/XXXX and speak to 3 different people, up to a manager. After all this, they explained that the charge actually was not a mistake, it was the interest accrued from the time I was billed in XX/XX/XXXX, until I paid it off later that month. However, the manager said that since I was told it would be refunded, they would honor it. I was very clear with the manager and asked if I would continue to be charged, and she told me no. I would have a {$0.00} balance and there would be no additional charges. By this point, with additional interest and late charges, there was an additional {$27.00}. It was finally refunded on XX/XX/XXXX and I was back to a {$0.00} balance. Then on XX/XX/XXXX, I was charged a {$2.00} " minimum finance charge '' again. I started again emailing them and after several emails back and forth, they keep telling me that since I had a charge on my account XX/XX/XXXX, that there is a minimum finance charge. No matter how many ways I explain to them that the charges were incorrect and refunded, and that I should have had a {$0.00} balance, and for them to read the notes on my file, they continue to charge me.
02/15/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NY
10453
Web
XXXX XXXX XXXX RE : Regarding a Reported Delinquency.
To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX. I have been a satisfied customer of XXXX XXXX for years.
Your outstanding customer service is the reason Ive remained a loyal customer. Ive always considered it a priority to make all my payments on time. Unfortunately, when my father died I fell short. I was over a month late with a payment.
I had been carrying a sizable balance for several months. Then, I finally paid off the full balance. When I received my statements and, I simply discarded them without even opening them because I assumed they would show a XXXX balance with no payment due. It never occurred to me that there would be a finance charge from the last month that carried a large balance.
I wish I had taken a moment to just open and read those statements. That was a big mistake, and I can assure you it wont happen again. From now on, I will always open every piece of mail that I receive from you. I recently opted into email alerts just to provide an added layer of redundancy.
Your records will show that in 2015 was the only time I was late. I had never been late with payment until this unfortunate oversight. I have been prompt with the past two monthly payments since getting caught up.
As a long-time customer in good standing, I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. Please help me this is hurting me financially.
Thank you very much for your consideration,
12/28/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Investigation took more than 30 days
MA
02081
Web
I am beyond exhausted with all of my efforts to have an outdated, closed and inactive account for more than 10 years, removed from my credit report. I closed my XXXX account in XX/XX/2007. XXXX went Bankrupt. Iit was acquired by XXXX XXXX XXXX and was later acquired by XXXX XXXX in XX/XX/2013. The account was acquired closed and inactive without legal notification of their acqusition. For the past 11 years, the reporting of this account has continued, without any data. XXXX has refused to delete an outdated account ( by their own rules and regulations ). XXXX XXXX clearly does not know the meaning of delete. XXXX XXXX, in error, has updated the account, claim that it is reporting it correctly and has claimed to stop reporting it. All they need to do is to delete the outdated account from my credit reports. Under the Fair Credit Reporting Act, I have a right to have outdated information removed from my credit report. Why has it been so difficult for XXXX to delete an account that they failed to provide legal notice of their acquisition, acquired a closed, inactive account on which there has been no data to report and after several certified return receipt requested communications, they still will not delete the account. There has also been numerous communications with XXXX and this issue has become a tennis match. XXXX sends you back to XXXX XXXX and XXXX XXXX sends you back to XXXX. Enough of the madness. I wish to have an outdated, closed, inactive account deleted from my credit reports. Why is this so difficult?
12/11/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
NY
14220
Web
XXXX XXXX for XXXX the XXXX XXXX XXXX. Advised months ago not to call me during work hours as my company will not allow me to speak with them then ( they can call after XXXX, eastern ) so instead, they looked up my previous credit information and started calling my mother 's number daily starting XX/XX/XXXX - XX/XX/XXXX ( who I have not lived with for years ) and then my husband, on XX/XX/18, neither of which is listed as a contact number or a debtor for the account. I spoke with them on XX/XX/18 and made a payment of part of the debt owed, and advised them on the call that I will contact them when I get paid again ( around the XX/XX/XXXX, ) I also asked them to not contact me again during business hours, and asked them to take my husband 's number and my mother 's number off the account, and was told my mother 's number was never on my account to call her, and they did not have another number on file. I received a " unknown '' call today during my work hours at XXXXXXXX eastern. I used to work in debt collection, I know that they can not contact a customer more than 1 time in a 5 or 7 day period in New York State, and this has been within 3 business days. They need to be able to provide the telephone number when calling, and not purposely avoid caller id features. I advised them again not to contact me during business hours on today 's call, and that I just spoke with them saturday. My mother advised me since then that she has received a call again today on XX/XX/18 from them after I advised them not to call her.
09/21/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
FL
32259
Web
In summary, this was an inactive account to which an erroneous charge of {$4.00} was debited by a Vendor in XX/XX/2021. The account started incurring fees ( {$48.00} ) based on this erroneous charge.
I was not aware of any of this activity until I received a call on XX/XX/2021 about the status of the account from Comentiy Bank Collections ( XXXX XXXX XXXX ) with whom I disputed the balance due to the non-use of the card. I don't believe they opened a dispute at the time, they continued the reporting.
Subsequently, I had to contact the Vendor to get this matter investigated and resolved. The Vendor since has acknowledged their error and pushed through a credit to the account.
I spoke with Commenity Banks XXXX XXXX XXXX again on XX/XX/2021 who was kind enough to have the fees removed. They told me I have to speak to Customer Service to have the Credit Reporting History updated to remove any delinquency reporting. The discussion with Customer Service was not as fruitful as they advised they can not handle or make any corrections to the credit history reporting. After further inquiry they provided a dispute address.
I am formally requesting for Comenity Bank to please adjust the credit reporting history removing any reported delinquencies as applicable for XXXX, XXXX, and XXXX. This charge never should have been charged and was removed by the Vendor acknowledging their mistake to my detriment and my credit history should reflect that accordingly as a XXXX balance account from XX/XX/2021 through year to date..
01/18/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
14625
Web
Older American, Servicemember
We have a credit card through XXXX XXXX XXXX XXXX with COMENITY Bank. In XXXX of XXXX, we questioned a recurring, fraudulent charge of {$39.00} to our card from a " vendor '' called XXXX XXXX XXXX. Please note that the internet is rife with complaints about these fraudulent charges and one only has to XXXX the XXXX XXXX XXXX to read about them. The bank took our information and told us the monthly charges had actually gone back over a year. The bank said it would reverse the charges for a total of {$510.00} while it investigated the charges. We thought that was the end of the problem.
Fast forward to today, XX/XX/XXXX. We just realized that the fraudulent charges have started up again to our account and had now posted twice a month : twice in XXXX and twice in XXXX for a total of about {$160.00}. We called the bank for help and we were told that on XX/XX/XXXX, the bank had reversed the original reversal and our card was re-charged charged for {$510.00} for some bogus credit subscription. We are now out {$670.00} for fraudulent charges with a company with which we have NEVER done business. The bank refuses to investigate further and there is no end in sight to these charges going forward.
While we could certainly cancel our credit card and stop doing business with COMENITY, we want to get back our {$670.00} first. Please help us get our money back and do whatever it takes to put the fraudulent vendor XXXX XXXX XXXX out of business. Clearly, many, many people have had the same charges made to their accounts.
08/12/2021
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
CA
92024
Web
XX/XX/21 - Noticed restriction placed on my Savings account after attempting to transfer funds out of account. Contacted customer service through chat.
XX/XX/21 - received response advising me the account has been placed on temporary suspension due to potential security concerns. List of documents required to release hold.
XX/XX/21 - called customer service and discussed requirements and confirmed documents can be sent through chat. Sent requested documents through chat.
XX/XX/21 - requested status of my account hold XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received.
XX/XX/21 - requested status of my account hold XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received.
XX/XX/21 - Requested an ETA XX/XX/21 - received response " Send a follow-up message up to get a ETA for. '' XX/XX/21 - requested response for ETA XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received.
XX/XX/21 - requested updated XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received.
XX/XX/21 - send message that I will be filing a complaint with CFPB if specifics of timeline of resolution is not received by XX/XX/21 XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received.
XX/XX/21 - filed a complaint with CFPB
12/04/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CT
06010
Web
Servicemember
Due to miscommunication with Ideal Image and XXXX XXXX, I was charged with deferred interest of {$1100.00} after paying my original total bill merely 8 days passed the 24 month promotional period. The deferred interest plan was not explained to me properly and the billing was very confusing. I paid above my minimum payment on time every month thinking I was ahead of schedule. Originally, I was told by XXXX XXXX that I would be billed approximately {$140.00} per month. However, XXXX XXXX sent monthly statements with a minimum monthly payment due ranging from $ XXXX-XXXX, setting me up to fail to pay off the account on time. If I had known that I would be billed for 28 % interest on the entire balance of {$3500.00} from the start date, I would have paid off the entire balance months before the end of the promotional period. I have never encountered deferred interest promotions that ended like this one. In fact, originally I opened this account with XXXX XXXX and XXXX XXXX in XX/XX/2013 for a different service and was billed correctly, so I paid that entire balance of {$3500.00} without any interest or deferred fee at the end. And during that time, I only paid the minimum payment due. I trusted that the second time around would be just like the first time. At least, thats what XXXX XXXX told me. Now, XXXX XXXX says they cant help because the interest fee is through a third party. And XXXX XXXX will only waive {$390.00}, leaving me with a balance of {$770.00} to collect additional interest until paid in full.
07/24/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
UT
84115
Web
Comenity Bank failed to disclose that by applying for a line of credit with them they can pull other credit reporting agencies without disclosing a list of possible credit reporting agencies they will use. The CFPB has over 100 or more documented credit reporting agencies for 2017. As a consumer I was only aware of Comenity Bank pulling one of the three major credit reporting agencies to obtain a line of credit with them. However, they failed to disclose that they can access any of the 100s of Credit Reporting agencies available to them without disclosing this information to me as a consumer. I requested that they use my XXXX hard pull or remove it but they instead sent me a letter stating they tried to also pull my XXXX report which I have frozen with a security pin due to identity theft that recently happened to me. I requested they could access my XXXX with my security pin or remove the XXXX Hard pull due to failing to provide that they can pull any of the 100 available credit reporting agencies that are listed from the CFPB. Which to me is dishonest and doing business in bad faith. Why? Because a consumer is not aware of the fact that multiple inquires from up to 100 credit reporting agencies is accessible to Comenity bank to make a decision simply for a store card seems to be illegal in my opinion. How can Comenity Bank do this? Run multiple inquires, fail to list the credit reporting agencies they use since there are 100s of Credit reporting agencies based upon the CFPB lastest updates? How is this legal!
08/08/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
CA
95070
Web
On XX/XX/18 I applied for a XXXX card ( pre-approved ). During the application process, there was a disclaimer stating that applying for the card would be subject to approval and that doing so would NOT impact my credit score. I was asked for only the last 4 of my SSN, and as a prior XXXX XXXX member, the disclaimer seemed legitimate. However, I found out that XXXX did a hard inquiry on my XXXX credit report. I did not agree to this. If I had known about the hard inquiry, I would have thought twice before applying. The " will not impact credit score '' disclaimer is completely false.
On XX/XX/18 I contacted XXXX and opened a dispute ; however, I was told this wouldn't do anything since it was not an inquiry due to fraud. XXXX instructed me to contact XXXX. I contacted XXXX/XXXX and they said they couldn't do anything about it. After I pressed for a credit resolutions department, XXXX/XXXX provided me a PO Box for their Credit Risk department. I mailed a letter requesting they remove the hard inquiry as they had an inaccurate disclaimer on their website. I also stated I would be filing a CFPB complaint as this disclaimer during the application process is completely misleading.
Unfortunately, I did not think I needed a screenshot before hitting " submit '' on my application. I submitted my application in good faith, trusting that the statements on the application were true and accurate. I don't think it's fair that XXXX/XXXX misleads its consumers, negatively impacting my credit rating in the process.
12/07/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
FL
32811
Web
I was approved for a XXXX credit card ( through Comenity LLC ) on XX/XX/2020. I applied because of a sofa purchase I was making on XXXX. There was a delay in receiving the sofa, so I was charged for it as a promotional purchase on XX/XX/2020. I was charged {$2200.00}, but XXXX credited me {$330.00} due to a shipping issue. Therefore, my balance was {$1800.00}, significantly over the 12-month interest-free promotional plan purchase minimum of {$700.00}.
My first payment was due in XXXX XXXX paid on XX/XX/XXXX ). When I went to make my second payment on XX/XX/XXXX, I noticed that they had set me up with a 6-month no-interest promo plan. I called them and the representative logged my dispute. I called today to check on it and was told they sent me a letter today denying my dispute because customers only have 70 days to make a change to their promotional plan.
This is a bait and switch tactic. They either made a mistake or intentionly put me on the 6-month interest-free promo. It is clearly an effort on their part to increase their revenue through interest earnings.
I only applied for this card and purchased this sofa through XXXX/Comenity because of the promotional deal. I should get what I applied for and what is applicable to my purchase.
I am awaiting the letter of their decline of my dispute.I have included the benefit detail that was provided when I was approved, a screenshot of my transaction history, and a screenshot of the promotional plan they are showing in my account and the current balance.
03/01/2019
Yes
Debt collection
Other debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
GA
30238
Web
Servicemember
I purchased in XXXX and XX/XX/2018 various jewelry from XXXX XXXX store on clearance prices. XXXX XXXX is the financial institution that holds the account for XXXX. Within 1 week of purchasing the various jewelries I noticed on my account statement by viewing on line that XXXX did not have the sales amount listed but had placed the original amount in the Amount due.
I called on numerous occasions to try and correct the error. I called XXXX corporate office, I called XXXX XXXX customer service, I called and went to the XXXX store where I purchased the item, trying to get the error straight. But to no avail did anyone try and correct the error. Each entity kept directing me to the other store. The balance stayed Incorrect. I wanted to keep the jewelry but being XXXX, the bank that hold the account, could not list the correct amount or the sales amount showing what I truly owed, I returned ALL jewelry within the set time allowed for a Return items in order to clear my account and to ensure I had no payment issue. XXXX XXXX received all of its jewelry back in the allotted timeframe for returned merchandise.
I kept Nothing and owe Nothing. XXXX record keeing is terrible. XXXX had the order correct XXXX did not whatever they had done in their system they need to UNDUE they have ALL of their merchandise and I owe them nothing. They have now placed some a balance due on my credit when I do not have their merchandise and owe XXXX nothing. They have a paper trail error and needs to correct it within their system.
11/06/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
11563
Web
Servicemember
Purchased patio furniture from XXXX XXXX, XXXX XXXX, NY, total amount {$1400.00} on XXXX/XXXX/XXXX. This was charged on a Comenity Bank XXXX XXXX. In addition to the cost of the items I was required to pay an additional {$150.00} for delivery. When I set up the items on XXXX/XXXX/XXXX the chairs and 2 days later the swing set, I noticed the items were defective- the chairs fell apart and the swing set 's material seams were not sewn strong enough and separated.
I contacted XXXX XXXX and spoke to a fellow named XXXX who claimed he was the store XXXX. He told me I was required to return the defective items to the store. I paid for delivery ; I was expecting them to pick up the items.
I explained that the sheer size of the chairs and swing set precluded my ability to return them. After all, I paid {$150.00} to have them delivered. He said there was nothing that he could do. I had to return the defective material to the store.
I then contacted Comenity Bank by phone and explained my situation. They sent out a complaint form dated XXXX/XXXX/XXXX to be completed and returned. I did so on XXXX/XXXX/XXXX and filled in all required information.
I did not hear anything further until I received a letter from the bank dated XXXX/XXXX/XXXX. I was asked to complete the identical request that was made in XXXX. Again I complied with that request. I then received another request from a letter dated XXXX XXXX, XXXX. Again I complied. I then received another letter dated XXXX/XXXX/XXXX requesting the same information.
04/26/2021
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account status incorrect
GA
30012
Web
Servicemember
In XXXX of XXXX, I made a payment by phone to XXXX XXXX/Comenity Bank to take care of an outstanding balance. My online account could not be accessed for reasons unknown to me. Since I could not see my account, I paid the amount the agent told me was due to make sure my account is paid in full. It appears that amount was incorrect that I was told.
FYI, Comenity has discontinued the XXXX Credit card so it is reported as a closed account for this reason. But the impact to my credit is very much current.
This has a resulting in a late payment, the only one across 43 accounts in over 11 years.
I wrote to XXXX/Comenity and shared this mistake with them via their messaging center within their payment platform. I asked for the late payment to be removed. In XX/XX/XXXX, A XXXX XXXX responded assuring me the payment would be removed as I requested. Instead, the late has remained and that conversation no longer displays in the XXXX/Comenity secure messaging center. I have contacted the company regularly, as recent as XX/XX/XXXX. Instead, I receive no response to my request, however the company adds further negative comments to my credit report, which have decreased my credit score. I have disputed this with the credit bureaus but Comenity responds that it is accurate, although XXXX XXXX responded that it would be changed due to their mistake, and the negative impact to my credit continues.
I would like the 1 late payment they made due to an error on their part of failing to notate my account properly removed.
12/29/2018
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
PA
15501
Web
Due to an error of a 30 day late payment posted on my credit report on or about XX/XX/2018, I had endured several account closures and credit line decreases with Commenity Bank since that date. I noticed the error around XX/XX/2018 and I notified XXXX XXXX XXXX with the error and asked XXXX to remove the error. Then, I notified the credit bureaus and filed disputes in regards to the negative information and ultimately had the negative erroneous information removed successfully from my credit reports. However, Commenity Bank has continued to close and/or decrease credit and charge cards lines of credit using information provided while I was in active dispute of the 30 day late payment which was removed from my credit reports.
This action of closing charge and credit cards is negatively affecting my credit reports and credit scores. At no fault of my own, I have been dealing with the consequences of an error made by a third party and suffering consequences as a direct result of the third party. I have never been over 30 days late for any payments on any accounts and I have never been with Commenity Bank. All of my accounts have had at least the minimum payments made on the due dates on all my accounts and I do not deserve my credit lines to closed or decreased when I am a good customer. Ignoring current credit scores and reports and using inaccurate information against me seems to be questionable on several levels.
Were the credit bureaus required to send the corrections made to my accounts to my lenders?
04/04/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
61820
Web
As of XX/XX/XXXX, I had a balance of {$2700.00} on my XXXX XXXX XXXX XXXX. The balance started with a {$8000.00} promotional purchase of items for my small business 3 years ago. Shortly after the purchase, XXXX XXXX ( the retailer ) ended their relationship with XXXX, so the line of credit seized to exist. I've kept current on payments since the beginning. Then, on XX/XX/XXXX, a finance charge of {$4200.00} appeared on my account. Apparently, as they now state, the balance had to be paid in full by the 3-year mark or I would owe deferred interest on the {$8000.00} at a 29.99 % rate. To add further insult, they claim that for months they have made a bold notice on my statements that this would occur. This company sends me an email every month that does have a link to login ; however, in the email itself is included all financial information anyone would need ... balance, amount due, and due date. Even when logging in to pay, there is no mention of this promotional period ending unless you specifically go to an online statement ... Which, again, nobody would do given that all relavant information is given on every other page and the emails. I called the company to ask for a short extension to allow me to pay the balance ( even a few days ) without being hit with this predatory fee, but multiple people told me there was no chance of that. The newest statement now tells me that if I pay the minimum payments ( which is currently $ XXXXmo ) the payoff will occur in 22 years and that I'll be paying {$25000.00}.
12/27/2020
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
GA
31602
Web
On XX/XX/2020 I spoke with XXXX From the Collections department at Comenity Bank in regards to a XXXX XXXX Credit Card account. I owed a little over {$700.00} and had several missed payments. I paid {$200.00} to bring my account up to date, taken out of my account on XX/XX/2020. I also agreed to have {$120.00} automatically withdrawn from my account each month starting in XXXX. XXXX made note that after XXXX I would owe nothing! He said I may need to call in XXXX to let them know that I should not be charged any finance fees. I checked my account in XXXX after my final payment and found that I had been charged a {$35.00} late fee every month since XXXX because they had my payment due date as the XXXX of each month and my account was debited on the XXXX!! I would have never agreed to a day two days later just to keep paying a late fee! I have been scammed! I sent a message through the online message center. I was told to call. I called and was told that they would need to listen to my phone call because I probably chose that date! They said they would call back and see what they could do but could probably not get rid off the finance charges. They have not zeroed out my account yet and I do not want them to take another dime from me! I am scared that they will continue to debit my account every month forever! They misrepresented and lied to me. This was extremely shady and I would never trust this company and their collections department. I was doing the right thing and paying off my debt. I was scammed!
07/05/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
GA
30260
Web
In XX/XX/XXXX, I was pregnant and was put on bedrest due to being XXXX XXXX XXXX. My payments failed behind due to lack of work with my XXXX. I had my son in XX/XX/XXXX. I called in XX/XX/XXXX to get my account back in good standing. So I only had late payments from XX/XX/XXXX - XX/XX/XXXX. I went back to work in XX/XX/XXXX but then XXXX hit in XXXX of XXXX and I still made payments on time during Covid.
I was making on time payments and using the card after XX/XX/XXXX. I tried to use my card in XXXX of XXXX and the card was declined. I didn't know my account was closed in XX/XX/XXXX. Since then the company has been reporting my account with current late payments. I have called and asked why was my account close and the only thing I received was a copy of my credit score. The letter did not tell me why my account was closed. This company is affecting my credit report with these late payments. I have asked to speak with a supervisor and they said they can not put a supervisor or manager on the phone. I spoke with a rep on XX/XX/XXXX and she stated if I made a payment the account would be reopen and the account is still closed.
I can not access my account or do anything. Why is the company reporting recent late payments on a card that has been charged off? Its bad enough people have to deal with the issues with Covid19 and then the company is making your credit look bad by reporting inaccurate information.
Company : Comenity Capital Bank/My Children 's Place Credit Card XXXX XXXX XXXX XXXX, OH XXXX
01/20/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with customer service
GA
31907
Web
I have ultra ultimate rewards credit card issued by XXXX XXXX and during a purchase I was informed that my credit limit has been reached. I was confused because I had well over {$600.00} in available credit. When I called XXXX XXXXk customer service they informed me that they had decreased my credit limit but they had not in fact me of that until I called. They also said the reason for them decreasing my credit limit was because of information they receive from my the credit bureau. I asked them whyBut they said that they did not have any information as to what exactly was received to make them reduce my credit limit. I have never had a late payment with them and I typically paid my balance off in full every month with this company however they still chose to decrease my credit limit without notice and without reason. I continue to inquire about their decision however I have yet to receive any additional information as to why they made such a change to my credit limit by decreasing it over {$600.00}. But they said that they did not have any information as to what exactly was received to make them reduce my credit limit. I have never had a late payment with them and I typically paid my balance off in full every month with this company however they still chose to decrease my credit limit without notice and without reason. I continue to inquire about their decision however I have yet to receive any additional information as to why they made such a change to my credit limit by decreasing it over {$600.00}.
06/27/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
14072
Web
On XX/XX/XXXX I selected an on-line option to have the balance of my XXXX Comenity credit card account automatically paid off each month on XX/XX/XXXX. I had a balance of {$280.00} due XX/XX/XXXX. When I received my XXXX statement it showed no payment had been applied, began accruing finance charges on the outstanding balance and charged by a {$28.00} late fee. I made an inquiry of Comenity Bank as to why they did not automatically deduct the payment of my balance on XX/XX/XXXX as selected. Their original response was that the on-line selection I made on XX/XX/XXXX took 11 days to process and so it wasn't reflected in time. I then inquired as to why it would take 11 days to process an on-line automatic payment selection and where was that disclosed to me as a consumer, as I assumed it would have been processed in time to post a XX/XX/XXXX payment. Then I received a response that did not address my inquiry, but rather told me I selected a {$0.00} recurring monthly payment and that is why a payment wasn't processed. I provided them a screen shot that reflects the selection was the balance of my account. I attempted to speak to a representative, but their system does not allow this to occur. It is fully automated. I closed my account as I would not do business with an establishment that intentionally attempts to defraud consumers. In closing an account with them it should be noted that that only way to receive a confirmation is through fax. I have to believe this is not legal as how many people own a fax.
08/02/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NJ
07050
Web
I have previously filed a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX. This complaint is against Comenity Bank and their reporting of 4 Fraudulent accounts being reported to the credit bureaus. I have provided all documentation I can provide to the best of my ability and after my complaint there was no resolution to the accounts being reported.
I am a victim of Identity theft and I first contacted Comenity Bank regarding four accounts that were opened and utilized by the individual who stole my identity on XX/XX/XXXX ( this individual was a family member who resided with me for a period of time ). They replied to me and stated that even after I provided a notarized Identity theft affidavit that they see no basis of my claim and that the debt of all 4 accounts belongs to me. I have also contacted the credit bureaus regarding these accounts and both XXXX and XXXX have honored my claim but XXXX has not. I contacted Comenity Bank again XX/XX/XXXX and I have only received a decision regarding one of the accounts however they have not acknowledged the remaining 3 and all 4 accounts are still being reported by XXXX to date. I am also still receiving collection calls and letters regarding one of the accounts that was sold to XXXX XXXX XXXX and all three credit bureaus are currently reporting this account as a collections account.
Please also keep in mind the 3 remaining accounts on XXXX are reporting charged off every single month for the last year which is a violation of the FCRA.
01/16/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MI
48214
Web
I reported and disputed charges on my XXXX XXXX XXXX Credit Card XXXX XXXX in XXXX XXXX for additional charges placed on my credit card for items I did not order or receive. I only ordered four {$45.00} items but was only sent and received two {$45.00} items ( A total of {$90.00} XXXX. for those two {$45.00} items. The remaining chargeson my credit card are bogus. I filed a dispute and submitted supporting documentation to XXXX XXXX whom failed to resolve this issue. Instead XXXX reversed the charges of {$850.00} back to me for me to pay for merchandise I never received.The company in question is called XXXX XXXX XXXX whom falsely advertises and represents themselves as XXXX XXXX XXXX.. I now know this is not a XXXX store but rather a fradulent company operating out of XXXX. Their website is XXXX XXXX ordered I placed on XXXX was for tour items at {$45.00} each. Four items were ordered but only two itits were sent and received. The Merchant individually sent the two items with seperate packaging and seperate tracking numbers each package weighed 1 pound. When I addressed this issue with the Merchant requesting my two remaining items the Merchant simply replied that no other items will be sent and no credits will be placed on my credit card. I reported and sent this correspondence to XXXX XXXX to help assist with their investigation. XXXX have failed in their lending practices and is upholding a fradulent company. I now have a fradulent credit card charge and bill for {$850.00}.
Thank you, XXXX XXXX
02/13/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
MD
20657
Web
Older American
ACCORDING TO BJ 'S Comenity Mastercard, my full payment of the balance of {$110.00} due by XX/XX/XXXX was received on XX/XX/XXXX ; that is, they claim, 3 days late. Therefore, I was charged a late fee of {$35.00} on my payment, plus interest of {$2.00}. The late penalty, in other words, was more than 33 % of the actual amount owed.
I protested by telephone on XX/XX/XXXX, and was told by three successive representatives at Comenity that this charge could NOT be waived even in the midst of USPS difficulties caused at least in part by Covid-19 because I had made a late payment 11 months earlier. In light of such unreasonableness in the midst of a PANDEMIC, when postal services are beyond a persons control, I told the representative to cancel my Comenity BJ Perks Mastercard.
I then mailed a check for the entire amount billed including that disputed late fee - {$260.00}.
I RECEIVED NO BILLS AFTER THAT, and assumed the matter, as well as the account, was closed. However, two bills showed up in my mailbox this week on XX/XX/XXXX. NEITHER ENVELOPE DISPLAYED A POSTMARK INDICATING THE DATE OF MAILING.
One bill claimed my XXXX payment of {$260.00} had been received TWO days late, on XX/XX/XXXX. I was AGAIN charged a late fee of {$35.00}, plus interest of {$3.00}, all of it due by XXXX, XX/XX/XXXX, which obviously was impossible, since I didnt receive it until XX/XX/XXXX.
The second bill added a {$37.00} late fee for nonpayment of the late fee in the prior ( UNRECEIVED ) BILL, for a total of {$75.00}.
10/07/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
You never received your bill or did not know a payment was due
MI
48067
Web
Older American
this was case 2007 XXXX XXXX that was closed. It should not have been closed.
The credit card company is NOT sending statements if the balance is XXXX.
They have it set up that anyone who is set up for automatic payment and to have the bill paid in full will generate a XX/XX/XXXXbalance. then they go one step further and say if the balance is XXXX then no statement is generated. This is soooo wrong. There were charges made and paid for during the statement time period. The portal states you can access statements for the past 24 months. well you cant access them if they are not on the portal because you are signed up for auto pay. This is beyond absurd. Credit cared companies should HAVE to generate a statement if any activity took place. I totally understand that they would not have to generate one of there was no activity. but this is very different. I need the statements to tale care of info that I need to do my taxes. The portal shows dates and dollar figures of what was charged and paid but there is no detail of who it was paid to. When I figured out the auto pay date thing I stopped my auto pay. At least now I can get statements. I pay my credit card down andkeep a XXXX cent balance. It does not help me out with the missing statements. there are 7 missing statements. when I call them and they say there are no statements regardless if there was activity or not when the balance is XXXX. How can they be allowed to request a payment or take a payment as in the auto pay and not have a statement???
04/21/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
CO
80238
Web
Servicemember
I have contacted Zales/Comenity Bank several times on their unfair credit practices. As explained before I did not sign a contract which stated I would have 18 months interest free deferred. I was told by my the sales person I had free interest for 18 months, otherwise I would not have purchased a XXXX ring from this company. My ending balance with the company when the 18 months were over was XXXX when the " promotion '' ( XXXX didnt agree on ) was over by new balance was nearly XXXX once again. I have attempted to fix this with the company for over a year. They attempted to fix it last month but refused to correct the balance. I have attempted to fix this issue with the bank for over a year now. I would like for them to do the right thing and correct it to the original balance of XXXX, I will gladly make payments and pay interest on the corrected balance. I would also like to see the contract " I signed. '' I never signed this promotion nor did I receive a copy. If not then I will have to seek professional advice. I made payments while they were fixing the issue in good faith, only to be given the uncorrected balance once again. I have stopped making payments once again due to the unfair credit practices the company is practicing I do not agree with the balance they are reporting nor did I sign this contract. I made payments on time every month always above the minimum balance. I have been an excellent consumer to the company, until the issue came about and they refused to clarify or fix the issue.
09/01/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
MI
48067
Web
my credit card number was used to make purchases by someone I do not know. I contacted the credit card company to report the fraud situation. they closed the card and a new one was to be issued. I specifically asked if the new card would continue with the info from the original card ( years of ownership and number of months of good payments ) and I was told yes.
the new card was issued and I made a charge and a payment. at first the credit bureau was showing the card as closed. now they are showing it as REMOVED. this dropped my score! I have sent numerous secured messages to the credit card company about both issues and also many phone calls. Now the credit bureau is showing an inquiry made by the credit card company. I DID NOT authorize the hard inquiry. I contacted the credit card company again about this. nothing has been done except for getting robo emails from the credit card company.! want the hard inquiry removed and a written letter confirming this has been done. Since I have a fraud alert in place with all 3 bureaus I have no idea how the credit card company was able to do this. I want their fraud alert access procedure investigated.2. I want the replacement card to show the 49+months of excellent payment history and the correct payment amounts on my credit report .3. I want the credit card that was removed from from my credit report to be reinstated on my report with the accurate info ( see number 1 ) this has been going on for several months and has been very time consuming on my part.
01/05/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
TX
78717
Web
Commenity bank has been inaccurately reporting information on my credit report. They listed several accounts twice on my report and placed them as charge off even though I stated they were not m accounts. I constantly ask them for proof and they can not submit accurate proof these are my accounts. I have disputed them numerous times with no response. Only two accounts were actually my accounts. One account was for XXXX and XXXX which has been paid over 2 years ago. I have been fighting with them for two years to have it reflect in good standing. That account was in good standing and was paid in full. The next account was for XXXX. I paid this in full and they still show it negatively on my report. Multiple letters have been sent to commenity to resolve this over the past two years and nothing has been done. My next steps are to seek legal counsel if these items are not removed immediately. Anytime I see a company uses Commenity bank, I deny their card. i refuse to do business with these people. They sell your information and illegally pad your credit report with false information. They even went as far to involve XXXX credit, who has harassed me and threatened to take my home and my car. They call 20 times a day. I have phone bills showing this. They threatened to garnish wages even though i told them the accounts were not mine and they sent me a picture of a bill saying that it was. i told them a bill does not show proof an account is mine. My signature was nowhere on the bill or their paperwork.
07/04/2019
Yes
Debt collection
Credit card debt
Communication tactics
You told them to stop contacting you, but they keep trying
FL
32505
Web
On XX/XX/XXXX I was contacted by comenity bank About a debt of a relative of mine. I advised the person it was a distant cousin and I have nothing to do with them and asked them not to contact me about this. In my line of business I answer every call since it I have several clients and customers that contact me. A week passed and I was contacted again however this time they were more aggressive and said for me to get the message to her or give me her number. I asked for a supervisor and asked to be removed again I also asked how did they link me we have totally different addresses and she is my 3rd cousin. They told me they legally can investigate to see how we are related Im guessing social media and they then will contact me. Not one time have I ever been late with this company or have had issues with billing. They have now sold this account to a third party collection agency and attached my phone number as the point of contact and they are now harassing me telling me to make this easy and just give them a way to contact my distance cousin. I have tried to reason with every company however they continue to harass me and say it is legal for them to continue to contact me regarding someone elses debt!
I have opened a complaint several times threw supervisors and have now opened a XXXX complaint as well as this one to make the harassing calls stop I have also closed and paid all accounts with the company and advised to remove me from all contact lists as I with to never be contacted by them again!
07/02/2020
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
CT
06902
Web
I went to XXXX XXXX in XXXX applied for the store card, and was given a credit limit of {$500.00}, I made a purchase that day {$75.00} & was waiting for my store card in the mail, I hadnt received it yet after several weeks so I called & had XXXX XXXX confirm address which was incorrect & they had sent the cc there. I asked that card be canceled & new one issued. After that I finally received my card & making monthly payments every time I tried to use my card it was declined. Long story short, I have not been able to card purchases so I called XXXX XXXX customer service & they said I had no restrictions, I was never able to use the card to this day ( present day XXXX ). Any purchase I make at XXXX XXXX is in cash. I make monthly payments & Comenity Bank & I have spoke with them & they are very rude ( customer service ) I have had my XXXX XXXX card for more than 2 years to date, my balance is over {$300.00} balance. How can I have a high balance like that if I cant use the card, I pay monthly & Comenity Bank tells me, when I speak them that I dont make payments. I know XXXX XXXX is going out of business too. This unfair to me I have been paying for my card & I cant even use it, for many years. I have an example that something isnt going right, before the Pandemic hit I paid XXXX minimum payment & on my bill reflected on my due date I paid it on time & a late fee was charged, I called Customer service @ Comenity Bank told me I was suppose to pay Double that. I hope someone can help me thank you
03/03/2020
Yes
Debt collection
Credit card debt
Communication tactics
You told them to stop contacting you, but they keep trying
PA
19320
Web
Older American
Commenity Capital Bank has been calling my home five times a day for MONTHS, in regard to a small credit card debt XXXX {$540.00} XXXX. They have threatened me with lawsuits. They called my husband twice and told him about the debt and the name of the credit card. They called my DAUGHTER last week, again mentioning the debt and the name of my credit card. I have the voice mail to prove it, as she forwarded it to me. The second time they called my husband and also my daughter, was Wednesday XX/XX/XXXX. I called the gentleman back, his name was XXXX, very upset about him contacting my husband and daughter. I told him I was going to file a complaint against them, and his response was " We're a XXXX dollar company. Do you think your complaint means anything? ". When I asked how he got my daughter 's number, he said we have a lot of people working in the background and they can get anything they want. I then told him that from now on I wanted all communication to be in writing, he hung up on me. He was very rude, also telling me I deal with people like you all the time, you don't bother me. Since telling them on XX/XX/XXXX that I want all communication to be in writing, I am still receiving calls, I've gotten three in the last two hours. One left a message from Commenity bank again, one had no one ( that spoke ) on the other end, The first call came less than an hour after requesting written communication only- it was a woman speaking XXXX, I believe. I need the phone calls and the harassment to end.
03/03/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CA
92130
Web
Approximately a year or so ago I was in XXXX and upon going to the cashier to pay for a high price item I was persuaded to take advantage of a zero interest promotion. I was not inclined to accept as I generally prefer not to have credit cards and this may well have been my first. Needless to say the salesperson was very convincing in making it quick and easy including paperless statements and auto payments. About 6 months ago I received a letter in the mail advising that XXXX were no longer associated with Comenity ( the credit card company ). About a month ago I got an email regarding being able to see my credit report and to my surprise my credit had been significantly affected but I did not know why. Upon research I found out that I had a significant outstanding balance on the XXXX card and upon enquiry found out I had been charged significant interest from the inception of the transaction. I was totally shocked as this had never been brought to my attention nor being informed of an expiry to the promotion period. Surely there is a consumer right to be adequately informed of such prior to charging excessive interest through a written notice or telephone call rather than purposely letting it lapse and letting time go by including credit impacts and taking advantage of consumers. It is just not fair and a blatant cynical practice to take advantage of consumers. Your assistance would be greatly appreciated in the interests of many people who are being abused through these practices. Thank you.
06/14/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
VA
20132
Web
I have a XXXX XXXX credit card. With this card loyalty rewards are accrued. I made a purchase of {$480.00} of which I applied {$450.00} loyalty points. The {$450.00} of loyalty point to be applied was displayed on the receipt. 2 of the orders totaling {$100.00} were on back order. The order was placed onXX/XX/XXXX. All the items totally {$370.00} were shipped by delivered byXX/XX/XXXX. I was not notified of the 2 times being of back order. I called the company any they communicated that the loyalty points woudl be applied once the total amount of the delivered items exceeded the loyalty points amount. On XX/XX/XXXX, the first of the 2 back ordered items were delivered in the amount of {$95.00}. The total amount of the delivered items was {$460.00}, which is greater than the {$450.00} reward dollars. The next statement date closed at XX/XX/XXXX and the amount had not been applied. I called several times through process and it was communicated it would be applied in 3 to 5 business days. The credit card company did n't apply the credit and instead charged me for {$25.00} of interest. This I called them and they would not remidate this situation. It is now XX/XX/XXXX. No credits have been applied to my account, and instead they have charged me interest. This credit card company needs to be thoroughly audited as this is the 4th time i have had to call to get loyalty credits applied. I am sure there are hundreds of individuals getting XXXX out of earned credits and also being charged undue interest.
11/12/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
GA
30052
Web
I have been using a credit card " dental '' from XXXX XXXX XXXX issued via Comenity Bank for the past 18 months. My payment dates is the XX/XX/XXXX of every month. I made the last payment online of {$100.00} to be deducted from my account of the due date. On XX/XX/XXXX I realized that my final payment was due on the XX/XX/XXXX, not the XX/XX/XXXX. I called and the representative informed me that she could cancel it and I made the payment the same day which I did. I was so eager to make the last payment that instead of me submitting total balance {$100.00}, I submit minimum payment {$27.00}.
A few days when I checked my account I realized that only the minimum payment was deducted. I immediately contacted them and they told me they would not be able to do anything until the XX/XX/XXXX ( billing cycle period ). I called back and was rudely informed that their is nothing they can do because I was the one using the card and it should be my responsibility that my payments were made. They also informed me that it is in their system that I did make a payment before the due date and it was then cancelled. I am wiling to pay something for the honest mistake but {$340.00} for a honest mistake is too much.
I have made several calls and written a letter to the dispute center and no one as reach out to me. I have made several attempts to have this issues resolved and to no avail. It's obvious from the reviews I have read that this company does not care about consumers/customers. Thank you for your time.
02/15/2017
Yes
Credit card
Credit card protection / Debt protection
TX
75068
Web
On XXXX XXXX, 2016, I lost my job for filing a complaint of discrimination. I notified my XXXX/Comenity Bank credit card to activate my unemployment insurance card protection services. Which was done. Payments was made to the credit card lendor Comenity Bank. I was required to file periodic claim forms for the Insurance company. While at a " working interview '' I was contacted by a bill collector, XXXX XXXX XXXX XXXX " attempting to collect a debt for ComenityXXXX ''. I lost the job prospect due to them not getting off the telephone. I called them back to let them know what happened. It was brought to my attention that Comenity Bank/XXXX XXXX had charged off my account and sold it to them for collection. I explained everything to them and they verified that their records showed that the payments had been made to Comenity Bank/XXXX and that they wanted to collect the amount due. I was furious. This can not be legal. I faxed over a letter to Comenity Bank/XXXX demanding that that they correct this matter, repair my damaged credit report, activate my account/take the account back from the creditor and remove the charge off since they have been paid. To date they have done nothing and today I was told by XXXX XXXX that her supervisor said that I needed to contact XXXX XXXX XXXX XXXX to pay toward the account.
I have the documents needed to support my complaint to your offices as well as the insurance claim paperwork-payments made from the insurance company to Comenity Bank/XXXX for this account.
10/26/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
OR
97496
Web
Older American, Servicemember
Approx. One Month Ago I Received Several Letters Stating That I Have To Send Cominety Bank Copies Of My I.D., Proving Who I Am. Meantime All My Accounts With This Bank Are On Hold. I Reply, Did Everything They Requested. On XX/XX/XXXX I Received Several Letters Stating That All My Accounts Have Been Re-Opened. Try ed To Use One Of There Cards And Found Out That They Were Not Re-opened. I Called The Bank Asking What Is Going On?. The Person I Spoke With ( can ; t Remember The Name ) Told Me That The Credit Bureau Has Sent Them A Email Telling Them To Close All My Accounts.I Have Approx. 10 Accounts ( credit Cards ) With Them. All In Good Standing Never Late. For Them To Close That Many Accounts Is Really Going To Lower My Credit Score Significantly, Of No Fault Of My Own. Why Did They Give Me The Credit In The First Place?. I Have Been Working Very Hard On Building My Credit Got It From The Low 500s To 665 In One Year Very Proud Of That. And Know Have Them Come Along And LIE To Me Telling Me The Credit Bureau Is Telling Them To Close My Accounts They Don't Have The Right Or The Power To Do That. Last Time I Spoke To The Bank Was On The XX/XX/2019. They Said They Have Sent Again Letters, I Should Get Them In About 10 Days. I Cant Wait For Them To Report I Have 10 Closed Accounts It Will Kill All I Have Worked So Hard To For. It Just Doesn't Seem Right.I Am Not But Hurt That They Closed The Accounts, But Don't Report All Closed. This Will Damage My Good Standing Regarding My Credit. Please Help.
09/07/2017
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with customer service
PA
16803
Web
Servicemember
I am going through a divorce, and I am required by law to provide 5 years of credit statements to my husbands lawyer. The divorce is dragging out & getting difficult, and I can not afford to make my minimum payments anymore. I explained this to them right away, and apologized to them a lot. I then explained what I needed to do, 5 years of monthly credit statements ending on XXXX XXXX 2016. The date I called wasXX/XX/XXXX at XXXX XXXX, ( XXXX ) XXXX, the call lasted 50 minutes & 6 seconds ( it 's on my phone ). I was bounced around between 5-6 people, the last one a supervisor, who was very condescending in her tone & attitude towards me. My divorce lawyer clearly explained to me by law the creditor is required to provide me this information. The women who I spoke to, and was suppose to be a supervisor actually said to me I had to provide her with a subpoena for that information! I asked her how was I to serve them from a county court in PA, when I had no idea of their address, or where they were?!! She also did not proved me that information. I had a court hearing in a very short time from then that day, they were the only creditor who refused my request! I had been on my phone forever, was clearly upset & desperate, I begged them over & over for help & compassion, that woman said she 'd put me on hold to help me, after 14 minutes, I had to hang up, so I would n't be late for court. I was so stress out that later on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!
11/26/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
GA
30082
Web
I am contacting you in dispute of the below creditor, Debt Originator : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Collection Agency : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I recently disputed this account with the CFPB, as a resolve the company stated it could not locate me in their database, therefore requested more information.
I have provided as much information as possible and again I am requesting that the reported information be removed from all credit reports for the following reasons.
1. The reported balance of XXXX is incorrect - I was a victim of Hurricanes Florence and Michael. I lived in the county in which my home was declared a disaster area via FEMA.
XXXX/Comenity Bank refused to waiver the late fees, or to provide me with a hardship - concessions and continued to charge me astronomical late fees, reported this account to the credit reporting agencies, as a result this account was sent to a collections agency. My original line of credit was {$300.00}.
On XX/XX/XXXX, my area was hit with hurricane Florence then later Michael, and declared a disaster area. This storm left me financially depleted, to which late payments were incurred. This is the second time I had requested reinvestigation with the agency, and the account has not been verified therefore it should be deleted.
Attached are several labeled documents to support my claims.
Thank you in advance for your assistance in this matter.
Respectfully, XXXX XXXX XXXX
12/21/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
TX
75142
Web
According to my calculations i went to my local XXXX around XX/XX/XXXX, the cashier encouraged me to get a credit card with XXXX. I was approved for {$200.00}. She told me to sign a paper and that was it. No explanation of monthly fees, she said if you buy something you can just pay it back later on if you do it through credit so that's were things got confusing. i thought as i used the card i would have to pay back later on. I didn't know of monthly fees until months later when a credit company called me telling me i owed {$200.00} plus dollars. I've only gotten one {$20.00} object from this store. I NEVER got my credit card in the mail and never got notice of bills in the mail. Today, i got a call from XXXX XXXX, all other times I've received calls its during my work hours. I have tried to call back after work and it always asks me to give them my account information. i cant give them that information if i do not have it. Otherwise all i can do is talk to an operator. i sneaked out of my job to talk to them today. The guy was very rude. he wouldn't even let me talk. i was tying to explain to him that i wanted to pay in payments since it was XXXX season. I felt harassed in a way because he was nonstop telling me you have to pay now and i repeatedly told him i was going to give a payment and pay the rest every Friday. continuously he would talk over me as i tried to explain how i wanted to pay off my dues. I think this whole deal was poorly taken care of and its affected my credit the most.
06/01/2018
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
PA
17111
Web
I was approved for XXXX XXXX ( XXXX Credit Card ) on XX/XX/2017 my limit was {$4500.00} and this was due to moving into my New three story Town House in 2017. I knew my Credit Utilization would increase quickly due purchasing I needed to make with my new home. But I gave myself 1year and 1/2 to pay everything off!
My limit was dropped drastically to {$100.00}!!! which is going to drop my Credit Score drastically!!! because of my outstanding balance. Which will seem like I am over my balance!! I did not receive a letter or notice or phone call! I just happen to review my account today and my credit limit was dropped to {$100.00} with no explanation!!!!
Which makes no since!!! When I was approved spoke to Customer Care rep. about purchases and they said that was fine just make sure to make payments when due and if there was any issues they would notify me!!! So I made the purchases that day! but did not receive payment due until months later based on what rep told me this was the norm- I knew my utilization was going to increase because of the purchases which in turn would decrease my Credit Score!! I asked another rep did they need to make a notation in the system they said no, and the only other thing that happen besides that was payment was a few days over on one payment due date to hospitalization ) and they told me I was fine and in good standing!!! so why was my line of Credit decreased!!!! Without any notification at all!!!! Its like we as Consumers have not say or Rights anymore!!!!
02/10/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Other personal consumer report
Improper use of your report
Reporting company used your report improperly
NJ
07644
Web
On Saturday, XX/XX/2018, at about XXXX ET, I put a call through to Paypal customer care about a pending {$500.00} transfer to my Paypal account from my XXXX XXXX XXXX of Account which is taking forever to clear into my Paypal account.
Given the fact that I needed the money as a matter of urgency, as I want to use it to buy valentine 's gift for my wife. First, I asked the representative if the clearing can be expedited which he said it can't, then I asked if the transaction can be cancelled and reverted back to my bank account, he replied no as well as it's not in their power to do so but my bank which we both agreed might not be possible as it has cleared my bank already.
I further asked if I can get an overdraft since I have a pending transaction that will definitely clear into my account, he thereafter said he will get back to me and put me on a brief hold, when returned, he said I should type in www.paypal.com/credit and follow the procedure, I quickly asked him if its credit card as what I want is kind of an overdraft and not credit card, he replied no. I followed the procedure and was thereafter denied whatever credit it is.
To my surprise, I received an email from XXXX XXXX that someone ran my credit and it affected my score and it turned out to be Paypal despite my repeated warnings to the agent and his assurance that I don't want credit card, Paypal went ahead to run my credit and it brought it down from XXXX to XXXX.
I need a redress and necessary compensation.
Thank you.
01/20/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
OR
97402
Web
I have signed up for automatic payments a few times and for some reason they are stopped. I do not stop them myself and my account has plenty of money to go through. I currently tried to refinance my home and my financer told me that my score was low due to the fact that I have all of these late payment records on my report. When I went online to see where my status was at because I go Paperless for my statements it told me I had a {$10.00} minimum to pay to be caught up. The financer could see my account and told me that I also had an additional {$25.00} for that payment to make. No where did Victorias Secret tell me I had all of these extra fees to pay so I continuously have been behind and they have been reporting it to the credit bureau which has made my score lower. I made the appropriate amount today and they said I am up-to-date and will no longer receive late fees or late reports on my credit however they refused to take off all of the late charges or late reporting to my credit. I do not feel that this is my fault as I signed up for automatic payments and on my end did everything correct to pay and I was never notified that I was behind or late it wasnt until my creditor told me what was affecting my score. I also feel it isnt right that they arent truly telling me the required amount to be caught up which makes me continuously behind. They are unwilling to delete or remove the late reportings. I would like to fight that and get those late recordings taken off of my credit report.
05/29/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
OR
97219
Web
I closed my credit card with Comenity Bank ( XXXX XXXX XXXX ) in XXXX and paid the balance off in full. I overpaid b {$110.00} and was issued a refund check from the company for the overpayment.
However, on XX/XX/XXXX the company charged me {$40.00} in finance charges on the closed, fully-satisfied, XXXX-balance account. Then on XX/XX/XXXX, Comenity Bank charged me {$4.00} in " minimum finance charges '', again on a closed, fully-satisfied, XXXX-balance account.
I made a payment of {$44.00} for XXXX and XXXX finance charges on XX/XX/2019 to avoid further charges and / or late fees while trying to settle this issue. I paid this before the due date and, again, this was on an account that had been closed, paid off, and even a refund check issued for overpayment, over two months prior.
I just received another bill for {$4.00} " minimum finance charges '' that were charged to my closed, fully-satisfied, XXXX-balance account onXX/XX/2019.
Apparently, Comenity Bank intends to post fraudulent finance charges to my account indefinitely. I need for them to issue a refund for the {$44.00} that has already been paid, cancel the new charges and never charge this closed, fully-satisfied, XXXX-balance account ever again. The account has been closed for three months. Nothing is owed. Nothing has been owed except for the {$110.00} that they owed me for paying TOO MUCH on my account balance and now the {$44.00} that they owe me for payment for finance charges that should have never been assessed.
12/04/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
92833
Web
I applied for a XXXX XXXX credit card in XXXX of 2020 and made a purchase at that time and the items i placed the order for were all on back order until XX/XX/2020. I had canceled most of the items on the order because i found the items elsewhere. I left 2 desk chairs on my order that i still wanted, however those were still on back order and i was still waiting on them. Comenity bank billed me in XXXX and i called to ask why i was being billed for items that still showed on back order and i had not received yet. I didnt understand how i was expected to pay for something that was on back order. The representative at the time could not give me an explanation as to why they had done that and my items at that time were still on back order. To avoid being billed i asked them to cancel the order because I didnt want to pay for a product I didnt have and was not available. They proceeded to cancell my order however they continued to bill me for items that i did not have. I have called them several times to resolve the issue and end up spending over 2 hrs on each phone call and i have probably called about 5 times in which comenity and pottery barn kids have both told me the problem will be resolved internally and I should not worry about it. Then i end ip getting a bill again to a product that 1. ) was on back order 2. ) I canceled 3. ) I never received the product but they keep billing for it. Im very frustrated at this point. I have filed 2 complaints with them and they have gone nowhere.
03/03/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
IN
46278
Web
The account with XXXX XXXX Mastercard was closed without prior notice on XX/XX/2021 due to account inactivity and XXXX balance. When attempting to contact XXXX XXXX Mastercard XXXX I was prompted to enter the last 4 digits of my Social Security number. The automated system detected my account was closed and said they could not open an account once it was closed and the call was disconnected. Not no option to speak to a customer service rep or anything.
This closing of an account due to inactivity hurt the consumer. They have lowered my available credit, therefore, lowering my credit score. They lowered my history of accounts that have been open, the account has been open for over 7 years, therefore lowering my credit score. Not sending some sort of 30-day notice prior to closing the account would be better than sending notification of the account is closed. Since the balance is {$0.00} I could have attempted to use it only to be denied because the notification was sent to the online portal. I know the account has a XXXX balance and have no reason to check the balance beforehand so I never saw " the account is closed '' letter.
For them to have the ability to close my account when the account was in good standing and I suffer the results is not fair to the consumer. This practice needs to stop. I have had this happen on other occasions and the work and time it takes to build up your credit score back to what it was before the account was closed should not fall to the consumer only.
08/07/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
TX
75094
Web
On XX/XX/XXXX, I sent a secure message to Comenity Bank in the online account servicing website for my Ann Taylor MasterCard requesting a waiver of the late fee and interest assessed on my XX/XX/XXXXstatement. I received a reply on XX/XX/XXXX, granting a courtesy credit for the {$27.00} late fee that had been assessed. However, when I viewed the online account activity for my card, the late fee correction appeared as an additional debit of {$27.00} dated XX/XX/XXXX rather than the expected credit. In my XX/XX/XXXX statement, a {$27.00} " other debits '' entry appeared in the summary of account activity, increasing the final statement balance, and the " LATE FEE CORRECTION '' transaction appeared as an additional charge rather than the expected credit. This additional charge was not what I expected from my request. On XX/XX/XXXX, I sent a reply to the secure message I had received in XX/XX/XXXX requesting that the late fee credit be properly processed. I received a reply on XX/XX/XXXX claiming that a proper {$27.00} late fee credit would be applied, but when I checked the associated account activity, I saw that a second " LATE FEE CORRECTION '' transaction for XX/XX/XXXX had appeared with an improper {$27.00} debit instead of the credits I desired. The two {$27.00} debits on my account are not legitimate fee assessments, as I have not made any recent late payments on my account, and I do not believe they are appropriate methods of addressing my initial request to waive a past late fee.
06/11/2018
Yes
Payday loan, title loan, or personal loan
Installment loan
Problem with additional add-on products or services
CA
92882
Web
Servicemember
I had a consultation with a XXXX regarding XXXX XXXX. To my surprise the charges I thought I was looking into were actually charged without my consent nor was I given any financial documentation. Such as lending agreements, disclosures, invoices for a treatment treatment plan, nothing.There is also a credit freeze on my Social so how they bypassed those security measures needs to be audited as well. When the bill came I began contacting the XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX advised me to go back to the XXXX which I did ask the front desk why I was charged when I had not yet agreed to the treatments. After this went back and fourth from XX/XX/XXXXto XX/XX/XXXX, I just agreed to the XXXX XXXX and then the XXXX I originally consulted with left the practice and I had to deal with an unfamiliar XXXX that I ended up not having any confidence in to adjusting my jaw and do any permanent long term XXXX work. I feel it is completely unfair that the patient does not have any control over who the attending XXXX is for treatment or what or how things are billed without their consent. I have continued to dispute my dissatisfaction with the XXXX office and XXXX XXXX with no resolution. The XXXX office has submitted false documentation to the lender that my XXXX treatments had, " all services were received. '' which I never received all my XXXX trays so my XXXX treatment never could have been completed. The unethical practices of both the XXXX office and lender seem to be in gross negligence.
12/23/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
NC
28327
Web
My credit report shows several inquiries for new lines of credit that I do not recognize, 3 are from the same company/credit card bank. And also XXXX XXXX where I was in a fraudulent issue in XXXX, it is still showing in a very negative impact on my report. Ive have numerous issues with my cell phone also in reference to my bill being a huge amount. Was in a fraud investigation with XXXX and they said they could not find anything, actually 3 times with XXXX. With XXXX XXXX XXXX I received paperwork by mail in which I returned and then I received a letter stating they did a thorough investigation and found it was fraudulent activity and I was not responsible for any amount charged. I feel like someone has actually taken my identity now that I think about everything that has happened over the last 2 years. Also, I was in a XXXX claim since XXXX and just now have been deemed XXXX XXXX XXXX. Im not familiar with this type of issue of fraud, so I am not sure what to do. But when I received an email and have been receiving several emails saying inquiry on my credit report, I really didnt pay any attention and thought it was just spam. So, I really do not know how to proceed with this or where to start. And it is not just XXXX XXXX that I have a problem with, there are several others, some I mentioned within this note and there is also one on my credit report that has an address of Delaware or Maryland and I am not for sure the name, it was abbreviated on my report. Thank you XXXX XXXX XXXX
02/05/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
90002
Web
The initial issue began when I was charged a {$29.00} LATE fee for making payment on the due day in my time zone in California. The second issue with creditor is that I was charged on XXXX occasions {$29.00} LATE fees and interest on an amount less than minimum the normal minimum due {$3.00}. I did not make a minimum payment of {$35.00} because I only had a balance owed of {$3.00}. However, creditor charged me {$29.00} LATE fees and closed my account while continuing to charge me fees and interest. The amount currently showing owed on bill is not from products actually purchased but from unnecessary excess predatory fees on a left over balance of {$3.00}. I was charged {$29.00} LATE fee on the balance of {$3.00} creating a carry over balance of {$34.00} which creditor then continued to charge me LATE fees on a LATE fee amount. Im not being billed on actual purchases and account is held in suspended status as creditor continues to charge excess predatory fees on their own late charge amount. Basically I owe {$0.00} for purchases but creditor is charging me {$29.00} LATE fee on the previous {$29.00} LATE fee plus interest. Past due amounts are creditors duplicate LATE fees. Creditor is really charging late fees plus interest on the previous late fee they assessed. This is predatory and excess.
My household and family have been impacted by COVID 19 and the excessive and continuous billing is negatively and erroneously impacting my credit score creating a hardship for me and my family.
07/21/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CO
80534
Web
Servicemember
XX/XX/2020, I scheduled a XXXX ( XXXX XXXX ) with a Dr in XXXX. When I started the contractual procedure the rep XXXX XXXX XXXX stated she would need a XXXX deposit, and then I would apply for credit to cover the remainder. The credit card company they use is XXXX. I authorized XXXX deposit to be withdrawn from my bank. I then proceeded to apply for credit. I was approved and they took the balance from the card the next day or so. My actual XXXX was not until XX/XX/2020. When it came time for the XXXX, they were requiring me to get additional services. Previously the XXXX center was running a promotion for the exact service XXXX XXXX XXXX XXXX, I asked to have it added to my services, I was told by another rep that they would have my coordinator add it. When I was getting ready to for the trip, I was then told I had to add this service for an additional XXXX dollars. I explained to XXXX that I thought it had been added already. She stated that once your contract is made it can not be changed. I then explained to her that by her requiring this additional procedure that she is changing modifying/changing my contract. She got upset and said that I either have it or don't have the procedure done. I then canceled my procedure due to them amending my contract without prior approval and without proper notification. They then charged CC XXXX deposit. I have disputed it over and over. I feel like I don't owe the deposit, due to contract modification with approval nor timely acknowledgment.
10/06/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MI
48197
Web
I made a purchase from XXXX XXXX XXXX XXXX XX/XX/XXXX. The purchase was for {$2700.00}. I was told that I could pay a small portion up front ( mostly taxes ) and finance the remaining amount INTEREST FREE over the next 12 months.
I signed up for their credit card and was approved.
They sent me my first statement and stated the amount I owed each month ( {$230.00} ). They stated a payment due date and I set up an autopayment which allowed them to charge my bank card the amount they set out on the date they set each month.
These payments were made regularly with no issues until the last payment. They debited my bank card the remaining amount on my statement ( {$190.00} ) and then sent me an additional invoice the next month for {$420.00} in interest charges. I immediately e-mailed their customer service department asking someone to contact me by phone to discuss. They sent me a letter saying they had tried, but I had not received any calls or voice mails. I received a letter at the end of XX/XX/XXXX saying they had attempted to contact me. I phoned the customer service line XX/XX/XXXX when I received this notice to set up a dispute and received a letter later in XXXX. I sent another letter back XX/XX/XXXX and received another letter XX/XX/XXXX stating they would not support my claim.
I have been trying to dispute this charge ( see attached letters and statements ), but they say I still owe this amount. They have continued to charge me interest on this during the dispute process.
06/02/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MA
02721
Web
InXX/XX/2019 an exchange was done in store by sales worker that was an even exchange. I never heard anything from this credit card company until XX/XX/2019 when they were reported a late balance owed. After reviewing my account with a customer service rep in XX/XX/2019 they verbally agreed a mistake was made with billing and fees occurred over the entire year of XX/XX/2019without me ever being notified. They assure me they fixed the issue. Then in XX/XX/XXXX I got another email about a balance. This time they were not helpful when I called. The XXXX cent difference in the incorrect exchange got added to my account not until XX/XX/19 listed as a LATE FEE. Then every month the company added Late Fee 's and Interest Charges to the account without notifying me. Statement history shows past due balances for XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and yet none of these Past Due payments were ever sent to credit bureaus or myself until XX/XX/2019 ( all statements will be attached ) They agreed that this was all their error and never fixed the issue. I have tried to dispute with credit bureaus and they are not updating my files and this is damaging my credit for something that was company error. I feel they should not have any late payments on my credit history as they had not ever notified me of these illegal charges and they owe me the money I paid to close the account in good standing because they were reporting negatively to the credit bureaus and damaging my credit.
07/13/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
AL
35810
Web
I filed a complaint # XXXX on XX/XX/XXXX on Comenity Bank for not removing an account off of my credit report which they agreed upon by cashing the money order that was enclosed. The letter stated that upon cashing the money order, they agreed to settle the account and also remove the XXXX account off of the credit report. The money order was cashed on XX/XX/XXXX. They claim they never received the letter that accompanied the money order, but they cashed it. Their response through CFPB, the letter that I received, stated that they will not remove the account from the credit report, even though they accepted the terms and conditions by cashing the money order. They also stated in this response letter that all settlements were to be sent to a different address, XXXX XXXX XXXX which the representative did not state. The original letter dated XX/XX/XXXX, they sent me stated that after I spoke to Recovery Department, to send payment to XXXX. XXXX XXXX which I did. They violated the terms that I sent them and are trying to keep from removing the account from my credit report even thought they received the settled amount. Also, the second money order they stated they received had the correct account number on it, which was to a XXXX account. The letter for the XXXX account had the wrong account number ( the XXXX account number ) but the money order had the correct account number. That dollar amount was supposed to be credited to the XXXX account. They have violated the terms agreed upon.
05/22/2017
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
GA
30067
Web
I received this threatening voicemail Saturday XX/XX/2017 at XXXX from XXXX XXXX who did not state his first name, representing Commenity Bank . I did not delete the voicemail and I also went on to save it as a voice memo to have on file that this is definitely a threat. I have consulted my colleagues who are Attorney 's in addition to a representative of the FTC who did state that Yes! That it is a threat and that that is against the law. I would like this matter resolved by Commenity Bank removing whatever information they have in my name, to never contact me again, and for them to provide validation, competent evidence bearing my signature that I have ( or ever had ) some contractual obligation to them. The threatening message went on to state : Good afternoon, This message is for XXXX XXXX XXXX. XXXX my name is XXXX XXXX calling with Commenity Bank and right now I do need you or your representing attorney to return my call immediately. This is regarding your XXXX sir. It is imperative that you or your attorney contact my office today to go over the options and the programs available to help you get this taken care of and to stop further escalation. I can be reached at XXXX ext. XXXX. XXXX XXXX please be advised that I 've documented this call as proof that you 've been notified of this critical matter yet again, so without your prompt response sir I may be forced to make a decision that will impact you directly. Again my name is XXXX XXXX, I could be reached at XXXX ext. XXXX.
02/17/2022
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MO
63628
Web
I got a Comenity card from XXXX back in XXXX, apparently XXXX stopped using them as creditors for their credit cards. I still had to pay off what I used with Comenity when they were no longer affiliated with XXXX. XX/XX/XXXX I received a statement showing what I owed and that I still had available credit to spend proving that the account was open. I called them to set up payment arrangements to pay it off and told them to close my account. I no longer wanted this card so my next statement XX/XX/XXXX showed that my available credit was XXXX but also showing what I still owed. I have statements from XX/XX/XXXX until XX/XX/XXXX showing that I paid this card off. I kept paying the remaining balance yet they still kept charging me a finance fee and if I didn't pay that Finance fee on the account that was supposed to be closed they would charge me a {$40.00} fee racking up more debt. They refuse to close this account and they keep charging me every month a small Finance fee that's two or three dollars that again, if I don't pay they will rack up a {$40.00} fee every month on that two or three dollars. Mind you the only reason I had this card in the first place was to purchase things from XXXX, this creditor was no longer affiliated with XXXX therefore I no longer needed it so when I paid it off it should have been done with but they continue to send me statements with a new balance every month with finance charges when I have called them over and over again about closing this account.
07/10/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
90713
Web
I purchased an engagement ring on credit through Comenity Bank from XXXX the XXXX in XXXX, CA. The purchase I agreed to pay on came out to {$110.00} per month with special promotional financing at 14.99 % APR at 36 months. Comenity was billing me over {$250.00} for the first several months and than after several formal and informal disputes they lowered their monthly payment to {$180.00}. When Comenity failed to reconcile my account I had XXXX, the sales manager at XXXX, contact Comenity on my behalf and Comenity would not speak to him due to privacy issues? He contacted corporate and supposedly his district manager was able to get my payment down to {$120.00} ( which isn't the correct amount but he tried.
In addition, Comenity is charging me a late fee and finance charge because I will not pay the full amount they say was due last month - {$180.00}. I paid {$110.00} and they wont credit it back. If they agreed that their billing was wrong when they spoke to corporate than why wont they credit me back the late fee and finance charge? I have submitted every receipt, their own monthly item price spreadsheet that I was given a copy of and my own spreadsheet to help show them where they went wrong in their entries and the only thing they've done is make my account activity extremely hard to understand when you look at it online. It's like a 7th grader put it together. She cringes everytime I bring it up. Thank XXXX for XXXX and for all his help because Comenity sure wasnt any help
07/18/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NC
27614
Web
Servicemember
I have had XXXX Credit card for some years now which is with Comenity Bank. On XXXX XXXX 2016, I went to have a free consultation with XXXX XXXX XXXX The lady toke pic and measurement, we then began to discuss the different options and treatments that were available. We start discussing the payment options and what would be the best treatment for my money. She then asked me if I have heard of XXXX Credit and I tell her yes I have a card with them. She says great let me look up your information and see how much you have, as I was unsure of the amount. She then saw that I had XXXX and began to continue with what was my best offer as far as treatment and price. we confirm the treatment plan, she then gets me the paper work, and as I 'm looking through everything I see a no refund policy, and I question her about it, she tells me she has already charged my card and that everything will be fine and that the doctor does a great job. So then I got a new job and could not have the procedure done. Then I filled a dispute with comenity bank and when I spoke with the guy about the no refund policy he said that he has never heard of a company trying to make you pay for services they did not receive, but then 60 days later they responding saying I would have to dispute it with XXXX credit directly. For the last 120 days Comenity Bank has inaccurately reported on my credit. NO one should have to pay for a service they did not receive, it should be against the law.
12/13/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
NV
89031
Web
We stayed at XXXX XXXX by XXXX hotels last XX/XX/21. It is part of their scheme to have the visitors to attend one of their seminars for 1 hour they said but it took us 5 hours. At the same date as above, they offered a timeshare and with our consent we agreed to have our credits checked and just to see where we at. We provided our information and signed some consents that they will just use our information to see our current APR for timeshare. We we're there for XXXX hours because many of the agents goes back and forth to all the visitors/attendees trying to convince us to take a timeshare. We straight up told them we are just inquiring and just curious and not really planning to get one at least for the time being. All the agents look so XXXX and annoyed. They we're not very professional and kind of forcing us to sign but we never did. 1 month after, I received a letter that I opened XXXX NEW CREDIT CARDS FROM XXXX. The first XXXX is from XXXX XXXX XXXX with a credit limit of {$1600.00} and the second one is from Comenity Capital Bank XXXX XXXX XXXX for a credit limit of {$5000.00}. Attached pictures are the evidences and the dates when they opened a credit card for us.
It was never agreed that I will open any credit cards under them. And I never consented them to use my information specially my Social Security to XXXX and Comenity XXXX XXXX. This also hard hitted my credit score and also my wife 's because they actually attempted to open a credit card to my with XXXX too.
04/01/2019
Yes
Credit card or prepaid card
General-purpose prepaid card
Problem with a purchase or transfer
Charged for a purchase or transfer you did not make with the card
CA
92618
Web
Respected Sir /Madam, I bought a engagement ring from XXXX XXXX an year back, while buying the associate as usual was very keen selling the item. As the ring was expensive we asked for a finance option, and the associate gave us an assurity of 0 % no interest on the loan, and me and my to be other half decided to put some down payment and take the use of 0 % finance scheme.
We came out happy from the store I went home and set up an auto payment option of XXXX $ per month to the finance scheme from XXXX XXXX ( through comenity bank ).
Please see the details of the payments I have done till date.
Down payment at purchase ( XX/XX/XXXX ) XXXX $ Monthly payment ( Every month since XX/XX/XXXX ) XXXX X XXXX month= XXXX Interest charged ( every month ) total XXXX $ Total amount I still owe XXXX XXXX day I just thought of opening my account and checking out how much I still owe and I figured out I am paying 14 % interest every month.
When I called the customer service of comenity bank, they opened my dispute and sent me an reply that I have to pay.
I bought this ring taking into consideration the deal of 0 % finance, the person working at XXXX XXXX did not even mention about 14 % interest I will be paying.
Sir/mam, this is very hard earned money and it is very frustrating to see how these big companies try to do the shady things and extract money from normal people.
Please help me out.
I am ready to pay my remaining balance of XXXX and I should get my refund back for XXXX XXXX
12/28/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
IL
60565
Web
Zales credit card just hit me with {$260.00} interest charge on my XX/XX/XXXX statement.
I got a total of 3 different rings for them. The 1st time my husband order online in XX/XX/XXXXand when the ring came in it looked a lot smaller than it was online. So we returned it to our local Zales Outlet Store in XXXX, IL on XX/XX/XXXX.
We then purchased the 2nd ring on XX/XX/XXXX and when I was offered the promotion I declined it because I use to work for XXXX XXXX and they use to finance for XXXX XXXX once the 18-24 month of promotion would end they would get hit with anywhere from $ XXXX {$3000.00} worth of interest on their appliance so I rather pay the interest.
On XX/XX/XXXX we purchased the 3rd and final ring we bought. The young lady was suppose to do an exchange, however she stated that she had to do a return then buy the new ring. After she returned she was having some issues with getting me the new ring because Zales kept declining my card. Finally they stated they needed to speak with me when the young lady called the credit department. After doing some verification they finally let the sale go through.
So if I went from paying interest to a promotion I was unaware of it until yesterday. Well I get a notice from one of my credit monitoring on yesterday that stated that one of my cards are over the limits. It stated Zales. Please find the statements attached. It shows that I was paying interest on the 2nd purchase but changed on the 3rd purchase unbeknownst to me.
02/14/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
34243
Web
Servicemember
I paid my balance in full on XX/XX/XXXX -- I selected pay balance in full and believed that I no longer owed any money on this account. I did not receive a statement in XXXX or XXXX, which I thought nothing about since the balance was paid.
On XX/XX/XXXX I received a call from the collection agency stating my account was delinquent and past due. I questioned the balance and asked for the last purchase since my last payment. I was told I was billed a past due bill and the prior to that a past due bill. I explained that I paid my balance in full online and didn't understand. I was transferred several times and told my payment was due on XX/XX/XXXX and I paid XXXX which incurred a past due fee. I then explained that I had no idea and that I hadn't received a statement in XXXX or XXXX. If I had known I would have called immediately and paid -- I explained that I paid online and opted to pay my full balance.
I also explained that I would not have allowed a bill to go past due if I had known about it. I asked them to look at my history and explained that this was clearly an error. The rep empathized and explained there was nothing she could do and that I could write in.
Again I explained- does it make sense that I would pay {$3200.00} on a XXXX XXXX credit card to then turn around get charged interest and past due fees on a past due fee. I told the rep I don't know why, but I did not receive the bill. She said her system shows it was sent so that proved they did their part.
08/25/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
28210
Web
On XX/XX/XXXX I was alerted by my credit montioring service that XXXX XXXX the issuer of my XXXX XXXX Credit Card had closed the account I had with them. Prior to that I was in a payment arrangement with the company. There was not any past due prior to this since the arrangement had been agreed on. After now and without notice or warning they closed the account and reported to the credit agency I thought something would change with the account or arrangement. On XX/XX/XXXX the account became past due by 30 days. After harassment from the company and no explantion of why it was closed when I was making the agreed payments, I requested a DO NOT CONTACT via a phone conversation. As of today XX/XX/2018 the bank is still charging interest on a closed account. I have not had any notice of the agreement being cancelled and the bank has broken my request for DO NOT CONTACT by calling an old number listed for me and giving out information on the account. they also threaten that if I did not call them back that day being Thursday XX/XX/2018. That they would pursue actions. The action taken my XXXX XXXX are unlawful and decietful. I was never informed of an issue with the account or given reason why it would be closed. the arrangement I had with them had not been broken to my knowledge and they never stated I would continue to receive interest charges. they never stated they would report the account as closed at any point. Their direct actions caused my credit score to drop 20 points.
11/30/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Other personal consumer report
Improper use of your report
Reporting company used your report improperly
OH
44092
Web
I am including the same message sent to XXXX XXXX via online secure message center that I was instructed to do per Customer Service Manager id # XXXX on XX/XX/XXXX and I just received some generic message not even related to my concern and was just brushed off by this company. The message I sent is as follows : I want the hard inquiries you put on my credit report removed immediately. I WAS NOT aware of the fact that any hard inquiries would be made on my credit bureaus due to an online request for limit increase as it never have been before, only soft inquiry. And nowhere on there does it state that a hard inquiry would be made. I spoke to a customer service manager, XXXX, yesterday id # XXXX who also verified that it does not state that a hard inquiry would be made and does not allow a place to click if the customer does NOT want to have a hard inquiry pulled just to get a limit increase as it would if a customer calls in and speaks to a rep over the phone. If I had any idea it would have been a hard inquiry, I would NEVER have made the request as it is not worth it to me. Please remove these hard inquiries from ALL my Bureaus and the limit increase has to be cancelled, please do. Customer Service Manager id # XXXX stated this would be done and could take up to 45 days to be removed by bureaus once XXXX submits the removal and that all I needed to do was to send the secure message requesting this online through the message center, so I fully expect this to be done. Thanks.
05/29/2020
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
CA
92109
Web
I submitted a dispute through XXXX XXXX regarding a collection matter with XXXX XXXX XXXX and requested more information regarding the collection. XXXX XXXX XXXX Sent me a notice from Victoria Secret dated XX/XX/XXXX stating they sold debt That has a charge off date of XX/XX/XXXX to XXXX XXXX XXXX. XX/XX/XXXX is a long time ago but I am pretty sure that I settled that Balance with Victoria Secret. I submitted another request for more information as I need to validate the charges and payments received to see if there is truly an outstanding debt. XXXX XXXX XXXX then sent me a letter stating that they have completed their investigation and they feel its valid and stated that they will not respond to any future requests. With the letter is one statement with 1 charge for a Late fee of {$35.00} on XX/XX/XXXX. I feel that I have a right to be provided a complete transaction history to support the {$1100.00} that they claim I owe. They sent a 2nd letter indicating that my electronic file lists the following and typed up my Name, last 4 of my social and a date the account was opened and a last pay date of XX/XX/XXXX but no actual statement to substantiate that information. Honestly, even the proof they sent from Victoria Secret looks like they typed it up. At this point I want a complete transaction history for the account I have also requested payment information from my bank for payments made to Victoria Secret but it was so long ago I have to wait for the bank to send it to me.
12/19/2016
Yes
Credit card
Other
OH
43110
Web
On XXXX XXXX, 2016 I ordered -item number XXXX smart phone from XXXX. Paid {$680.00}.
I received it on XXXX XXXX, 2016 at XXXX.
Delivered by XXXX On XXXX XXXX, 2016 ( Sunday ) I was charging my phone as usual ; I tried to turn the phone on and it would not activate. The phone felt hot to the touch, so I unplugged it.
I then on XXXX called Home Shopping Network ( HSN ) to see what could be done ; The first customer representative told me they would replace it or work something out since I had not had the phone long. She said to call XXXX to see if their warranty would cover me getting my phone fixed or replaced and if they would not take care of The problem come back to Home Shopping Network.
XXXX XXXX, 2016 called HSN and Customer Service rep said she would check- come back to the Phone and said they could not help me as I was past their warranty date I asked to speak to the Supervisor, XXXX and she said the same thing past my time with HSN .
I went to the XXXX XXXX XXXX store to see if they could fix it and they could not Went to XXXX rep at the XXXX XXXX store and he could do nothing.
As of XXXX XXXX, 2016, I still have no phone and I am out of {$680.00}.
I called XXXX and was pretty much given the run around ; Sent the phone to them and Still nothing. Their Phone number is XXXX XXXX Texas .
I have purchase a lot of product from HSN ( and for them not to try to help a long time customer is terrible, if can not get some kind of refund, or credit my HSN credit card.
07/12/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
TX
75044
Web
Servicemember
This is a continuation of original complaint..COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX.
On XX/XX/XXXX I wrote a check for my balance and got it to the post office. As of today I have not seen the check post, I have reached out to Comenity several times, I called them and got a representative who said he would put a " ticket '' in for it. I have followed up ... nothing. They are not responding. So as of XX/XX/XXXX, this will be a late charge which is what I am trying to avoid. If they have the check I need to know NOW. If they don't, I need to know NOW.
" On XX/XX/XXXX after receiving my XXXX statement on-line, I copied it and sent it along with my check for {$2700.00} to the payment center ( XXXX. XXXX XXXX, XXXX, TX XXXX ), The envelope was addressed by hand as I did not have your payment coupon which did not come in for several days later. I wanted to get this paid in full immediately. To date, I have not seen that check post. I called a day or two ago and there should be a " ticket '' submitted by your account representative inquiring as to where the check is ... do you have it ... if not, I have to cancel the check and make other arrangements. I need an answer to this as soon as possible ... not going to be dinged for a late fee, etc. Thank you. I can be reached at XXXX or by phone at XXXX. You have not responded to this question. I need an answer, please! '' This is the third time I have reached out to them ... NOTHING back from them. This is totally inexcusable!
05/10/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
CA
90670
Web
Older American, Servicemember
I got my statement for XX/XX/XXXX, reflecting I didn't make a payment, with a late fee, for the month of XX/XX/XXXX. I called that they didn't get my check. Gave my check # and amount. The representative stated no check was received. So I made a phone payment by phone. I stated if they get the check, to bill it as another payment. I made a payment # XXXX {$130.00} on XX/XX/XXXX, by mail at post office. On XX/XX/XXXX got a text message, to community bank. Another text appeared they tried to contact me via, XX/XX/XXXX, it appeared on XX/XX/XXXX! I called the XXXX. Gave my info, representative said no payment had been received. He stated, he can take a voice payment, gave my info. payment made confirmation # XXXX I stated I had made a payment to a company, that I canceled, and if I got a billing of a refund on a different card, a credit card I lost! No info regarding that, there was a cancelation fee. He passed me on to a customer service representative, I gave all the info for my account explained, the transaction of lost card, no info for that, as of yet. I then asked there is a problem with my mail payments. The representative stated ; I am sorry, since XXXX, was bought from another company ; all payments will be forwarded to XXXX, ILL, from the XXXX XXXX XXXX XXXX XXXX TX XXXX. No address was given for XXXX, ILL, or phone call. I asked will a mailer go out regarding that. He didn't reply to my inquiry. Billing statement for XX/XX/XXXX, is XXXX XXXX XXXX XXXX XXXX TX XXXX.
03/02/2022
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
ID
83638
Web
I was in an XXXX Retail store on XX/XX/XXXX and during checkout I was told I could apply for an instore credit card and receive 20 % off my first purchase. I was not immediately approved and was told it had to go to secondary review. Roughly a month later, I received my card in the mail with promotional material advising that I would get 20 % off my first purchase. I made my first purchase on XX/XX/XXXX. During checkout, I said this is my first purchase, please make sure I get my 20 % discount. The store clerk advised they could not apply that discount for me and that I would need to call customer service for a code. I called customer service and was advised to go ahead and make the purchase and it would automatically be credited on my statement. I proceeded with the {$960.00} transaction. Then, I never received my first statement. I started receiving text messages and phone calls. I called right away and questioned my discount and now the assessment of late fees and finance charges. The phone representative said I needed to use a code in the store in order to get the 20 % off and that I should have received it by mail ... I paid my purchase balance in full and I was under the impression they removed the fees. This was not the case. Only a partial credit was provided and now there is an additional late fee and finance charge on my account. They have refused to remove the fees and have only issued a dispute on my initial purchase as of today, XX/XX/XXXX to get my 20 % off.
02/04/2019
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
FL
32763
Web
On XX/XX/2019 at approximately XXXX XXXX I went into XXXX, XXXX XXXX Store in Florida to make a purchase using 2 {$5.00} Bucks I had. When I arrived at the cashier to cash my purchase she told me I could get a further 20 percent off the items which I gladly appreciated.
She went on to applaud me on the savings I had gained and then it was time to pay. I inserted my card and realize the machine was asking for my Social Security number number, I asked why and she replied it was the reward of 20 percent she had given me, I proceeded to pay my bill.
When she handed me my receipt she says your card will be coming in the mail and I asked what card? She replied you can use your receipt to make purchase until the card arrived, I immediately realized what had happened she had tricked me into a credit card which I never asked for or needed.
I immediately exited the Store and called Customer Service to report the event. My only recourse from their Credit Department was they gave me credit bureau number to call and report the issue. Since then I have called the credit bureau but was informed the store had to remove the hard inquiry on my credit report. I subsequently closed the credit card 2 minutes after existing the store. My credit will be affected as a result and I now realized how difficult this will be to get the store to do right by me.
I went back to the store spoke to XXXX, she says she was the manager. She gave me this XXXX to call to try and get a result.
Thank You
11/22/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
FL
33056
Web
To whom it may concern : XXXX, XXXX XXXX XXXX, XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. Inaccurate items : All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. Sincerely XXXX XXXX
04/11/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Privacy issues
IL
60154
Web
I received a letter on XXXX, stating XXXX XXXX reduced my credit limit balance from {$1800.00} to {$320.00} which {$320.00} is what I owed them with utilization of 20 %. With doing this it will reduce my credit score and effect me using my credit. Stated by XXXX, " Protecting credit scores now will give people a chance to rebuild their lives and our economy. '' I had this account for over 9 years with no late payment and for a company do this in these times with our economy is very awful. I believe because the economy is going down they are closing and reducing people credit card limits. I didn't authorize this bank to check my credit and its should be illegal during these times of hardships. The reasons they stated is not true statements and should not be considered in these circumstance with our economy.
First Statement : lack of mortgage information ; well my mortgage recently was transferred without notice from XXXX to XXXX XXXX and its stated on my credit report. Second and third statement : too many revolving accounts with high balance compared to credit limit ; well this is the second time this has been done to me with credit card companies are reducing your credit limit plus none of my cards are maxed out and one I'm disputing. Fourth statement : not enough balance paid down over time on retail accounts ; I have been very good with paying down my retail account, please see attach credit report. This company is making up other reasons to reduce my credit limit.
11/05/2021
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
CA
92651
Web
Older American
My complaint has to do with Comenty Direct, their policies and customer service. I couldn't access my account for three weeks because of a glitch in their secondary verification process. I kept calling and kept being told that someone would get back to me in 3 to 5 days. This in itself is outrageous -- three to five days when you can't access your account. In any case, I eventually got lucky and the customer service person on their main number was able to solve the problem ( after two other had failed ).
That was issue # 1. Issue # 2 : I wanted to transfer XXXX from my savings account to another financial institution. When the website wouldn't allow it ( bizarrely limiting withdrawals to XXXX! ) I called and was told I'd need special permission and that it would take ( guess what ) XXXX to 5 days. To make matters worse, the person I talked to on XX/XX/XXXX put in the request but failed to enter the amount ( XXXX ) and therefore it wasn't acted upon. The person I spoke with today ( XX/XX/XXXX ) resubmitted with the correct info, which means I should be getting an answer in ( wait for it ) three to five days!
In my opinion, this is intolerable behavior on the part of a financial institution. When you have funds in a savings account you expect the funds to be available without having to ask permission and then wait for someone to get around to acknowledging your request. My impression is that they don't take either their fiduciary duties or their customers seriously.
10/18/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
19116
Web
On XXXX/XXXX/XXXX at XXXX XXXX I was finally able to make a payment to The XXXX XXXX XXXX. I had tried throughout the day and the site was having issues. They posted the payment on XXXX/XXXX/XXXX. On, XXXX/XXXX/XXXX, after receiving my current bill I wrote, since I was charged a {$27.00} late fee and asked to have the late fee reversed since there was an issue with their site. On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating there were some updates made to their online account and one of the updates was if I needed the payment to post to my account on the same day and it is after XXXX XXXX I could call and they would process the payment for me. But, since my account was closed in XXXX XXXX, they are not able to credit any late fees at this time. I asked why I did NOT receive any information about this according to my credit card contract and wrote back and stated since I had NOT received this update, please credit the account and I was asked to call by a XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called and spoke with " XXXX '' who told me I could NOT have the late fee credited because my account was closed. I explained to her that I NEVER received anything with regard to making the payment over the phone to be credited the same day when it was after XXXX XXXX She proceeded to tell me XXXX XXXX provided WRONG information a few times and apologized for the bad information I was given ands she would make a notation that I was given bad information.
05/15/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
11219
Web
IN THE MONTH OF XXXX I MADE A PAYMENT FOR MY VICTORIA SECRET 'S CREDIT CARD ON THE XXXX XXXX , 2017 OF WHICH HAPPENED TO BE XXXX AND OF WHICH WAS A SUNDAY. UNFORTUNATELY, THE SYSTEM WOULD NOT ACCEPT MY PAYMENT FOR THE XXXX AND THE PAYMENT WAS TO BE APPLIED ON XXXX XXXX , 2017. FURTHER I HAD NOT RECEIVE MY STATEMENT FOR LAST MONTH OF WHICH A PROBLEM FOR ME. I CALLED SPOKE WITH XXXX REPRESENTATIVE OF COMNEITY BANK WHO WAS PLAYING A BARGAINING GAME WITH ME OFFERING TO ISSUE A CREDIT OF {$20.00} OF WHICH I REFUSED BEING I WAS CHARGED {$27.00}. I INFORMED HIM THAT IF I DID NOT GET MY CREDIT OF {$27.00} I WOULD FILE A COMPLAINT WITH THIS AGENCY AND HE LAUGHED AND EVEN WHEN I REQUESTED A SUPERVISOR. I THEN SPOKE WITH A SUPERVISOR WHOM I EXPLAINED THE WHOLE SITUATION AND SHE APOLOGIZED AND INFORMED SHE WOULD HAVE THE CALL PULLED AS IT WAS RECORDED OF WHICH WAS NOT INFORMED THAT THE CALL WAS BEING RECORDED OF WHICH MADE ME MORE UPSET. THE SUPERVISOR INFORMED ME SHE WAS GIVING ME CREDIT OF {$27.00}. I ALSO REQUESTED THAT SHE CHANGE MY DUE DATE FROM THE XXXX TO A LATER DATE AND SHE REFUSED STATING THAT COMENITY BANK ONLY ALLOWS XXXX DUE CHANGE PER YEAR. IN ALL HONESTY THIS IS WORNG BEING DUE TO SOME FINANCIAL CHANGES ON MY END I NEED TO CHANGE THE DUE DATE SO THAT I WILL NOT HAVE TO INCUR LATE FEES. IF COMENITY BANK REFUSES TO CHANGE THE DUE DATE THEN I WILL NOT BE HELD LIABLE FOR ANY LATE FEES IF I AM LATE WITH MY MONTHLY PAYMENT.
07/17/2019
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Charged fees or interest you didn't expect
CA
94403
Web
On or about XX/XX/2019 at a XXXX hotel in XXXX XXXX, NV. We were conned in opening a timeshare with the promise that we can pay the total amount in 24 months, 0 interest.
On XX/XX/2019, we received a statement from a company " XXXX XXXX. '' At first I did not know about this company as I was expecting that I will be billed by XXXX. Apparently, they are the one handling our loan.
On the bill, it states that we need to pay on XX/XX/2019, however, on our membership agreement, it states that we need to pay our first installment on XX/XX/2019. We just let it pass and pay the minimum installment.
Between XXXX to XX/XX/2019, " XXXX XXXX '' charged us {$2.00} fee, twice without any reason. In addition the statement says that we need to pay our balance by XX/XX/2019, otherwise they will charge us with interest.
I reached out with " XXXX XXXX '' which is owned by XXXX to file a complaint and told them that that is not right as the membership agreement said that we won't be charged with interest at anytime during the 24 month period. However they did not addressed my concern and just gave me typical canned response.
Fast forward to XX/XX/2019, I received a billing statement with an interest charge of {$350.00}. This is totally in contradiction to what is written on the membership agreement.
Hopefully our story might be lesson to anyone thinking about getting a timeshare from XXXX or even opening an account with XXXX, they are horrible companies. Stay away from them.
03/13/2017
Yes
Debt collection
I do not know
Disclosure verification of debt
Not given enough info to verify debt
AZ
85016
Web
This is a complaint from XXXX ( consumer ) against XXXX ( creditor ). XXXX Bank has unfairly and deceptively misrepresented its mailing address, making it difficult for consumers to contact it and resolve disputed debts.
As of XX/XX/2017, XXXX is reporting an open collection account on Consumer 's XXXX credit report [ see exhibit A ]. Consumer does not recognize this debt, so on XX/XX/2017, consumer ( through legal counsel ) sent a written request for documentation to the contact address provided by XXXX in the credit report which requested documentation regarding the original debt [ see exhibit B ].
On XX/XX/2017, the letter was returned to sender and marked as " Not Deliverable as Addressed. '' [ See Exhibit C ] This letter was sent to the address listed as the creditor 's contact information on page 38 of consumer 's credit report. Despite a records and internet search no other mailing address, phone number, fax number or email address could be found. Without a valid mailing address, XXXX can not obtain information regarding the debt and therefore can not make an informed decision about it.
XXXX is a sophisticated party in the consumer debt industry and is aware of the need to be available for consumer inquiries. Knowing this, XXXX has made it virtually impossible for a consumer to initiate communication with it. I can only surmise that XXXX 's isolation and obscurity is intentional and for the purpose of unfairly frustrating, deceiving and abusing consumers.
02/12/2017
Yes
Credit card
Other
OK
74135
Web
To Whom it may Concern : I am hereby writing this letter to request for a onetime settlement of the outstanding balance 's on my comenity card accounts. I have been struggling with financial difficulties for the past six month on accounts of my lay off due to the economic downturn. I am finding it very difficult to make monthly payments to my account. I sent you a letter dated XX/XX/2016 stating I wanted to close my accounts and make a settlement amount and I have yet to receive a response in regard to that. I keep getting multiple calls through the day threatening legal action and it is very distressing.
I am currently negotiating debt with several creditors and I have only a limited amount of funds. Some of the conditions that I want for this payment are as follows : The payment will be full and final settlement of my credit card outstanding balances for XXXX, XXXX, XXXX and HSN No legal action will be initiated against me in future for any payments I will be removed from the defaulter 's list from your records.
No threatening phones call from your customer service that I have already received ( I have a copy of the voice messages.
If your company is willing for this one time settlement then please write back to me and I will make the necessary arrangements for making the payment and also draft the debt settlement agreement. Do not contact me by phone, you can contact me XXXXXXXXXXXX.
I will be glad to receive a positive response from your end.
Yours sincerely
10/13/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
92708
Web
I own a XXXX XXXX XXXX with a community capital With only {$250.00} charge community capital has fraudulently charge me fees in a very ingenious way this is one another gotcha company that is making life miserable for people and adding do already dense environment around us according to care xact every creator was overlooking the credit payment late fee but this company is holding me whole stage for my credit report to pay for various kind of fece 1st I bought something on a 6 month nor interest never got a letter from them finally found out they had a wrong address after 6 months the balloon charged me int'rest the take advantage of 3 hour difference between Eastern standard time and Pacific standard 9 if it is XX/XX/XXXX XXXX XXXX in California it is XXXX XXXX in Eastern San the time and I'm late on my payment that's how they charge late fee and I have tons of them then when I give them my checking account information to make a payment only them and only this bank comes out as your account is non transactional while the same account is being used by other companies to get their payment why do they do this so that I called the customer service representative and make a payment using a debit card through him and they charge me {$9.00} as a customer representative beam in fee please help me otherwise I am stuck in this predatory loan company and menu contact the customer service they're very rudely say they're sorry pandemic or no pandemic we are not going to live
03/28/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
FL
33160
Web
I contacted the credit card several times. First time was to set up automatic payments. I bought a watch, and I used the credit card only for that and intermediately together and agent that work for the company and I have never missed a payment. Apparently, it wasn't of my knowledge that the Credit Card received electronic checks first and started to take electronic payments later during the 24 months installments. I set up automatic payments with them since the very first payment and I didn't sign up for paperless. After months I wanted to know about the account and I called to see if all was right when I started to see that monthly payments were set up for more than the exact amount result of dividing the total debt in 24 months equal payments and on top of it all I was charged for late fee and interest on the late fees.
I contacted the bank and it's been months exchanging letters, sending documents by mail, and spending hours with agents that don't have access to information older than 6 months.
I have sent them official documents from my bank ( XXXX ) doing all the payments in timely fashion and not missing any of them. At the end of the 24 installments since auto pay was set up for an amount higher than the amount needed to satisfy the debt generated for my purchase i overpaid the credit card for the total amount of {$580.00}.
However, the credit card insists that I owed them XXXX dollars and I claimed that on the contrary they need to pay me back {$580.00}.
10/10/2018
Yes
Debt collection
Other debt
Written notification about debt
Didn't receive enough information to verify debt
MS
38930
Web
The company is XXXX XXXX XXXX. I received phone calls from this company daily sometimes two or three times a day. I have called them back several times requesting information on the debt so I can verify its legitimacy. The company has refused to send me any information. On XX/XX/XXXX sometimes in the XXXX oclock hour, I received phone call from them. I returned a phone call and the person on phone transferred me to a young lady who called herself XXXX. Again requested information to verify that the company is a legitimate company and the debt is mine. XXXX stated that I just need to send money and paid the bill. I told her that I was not going to send money to a company whom I dont know. I again asked her to send me information to verify the company and the debt. She again refused and said I needed to pay {$1100.00}. I stated to her that I was not sending money to a company that I was not sure was even a legitimate company. I also told her that the fact that she was refusing to send me information made me believe that she was a scammer. That made her angry, she started yelling insults and called me broke. I hung the phone up in her face. I am a professional middle aged woman. I refused to be harassed by this company. If they had sent the information and I verified the company and the debt, I would have paid it, I believe this company is a scam. If not their conduct is very unprofessional. Please address this issue and I appreciate your time in the matter. Thank you.
02/17/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
NV
89108
Web
Servicemember
I was pressured to sign up for a credit card and somehow they convinced me how I can enjoy the benefits and privileges of the card while being the XXXX member. My credit card arrived which I've used for a month, and I went out to treat my friends for the holidays. This is how I found out my account was CLOSED without my consent or any type of notifications when they told me the initiated transaction was declined and had to call the customer service line. I couldn't understand why because I have already made the required payments on time and my balance was XXXX. They told me a letter I'm about to receive will have a thorough explanation but the only explanation that was listed was " excessive inquiries. '' I understand I've applied for a few credit cards with the rewards/points program and it could affect my credit score but can't justify the situation where I've been a very good account holder and being treated in such a horrible way. Not only I wasted my time and energy to deal with the problem, nobody wants to take accountability of one of the most negative life experiences I had to go through not to mention the embarrassment and humiliation I had to face in front of my loved ones. I already spoke with a few of the employees at the company including XXXX and XXXX the supervisor, and nobody offered me a reasonable resolution. I feel the explanation offered to me was not a sufficient reason to cancel my credit card especially while I was in good standing customer.
02/09/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Application denied
OH
44145
Web
COMPLAINT REGARDING : XXXX XXXX XXXX XXXX XXXX, oh XXXX I applied for XXXX XXXX credit card through XXXX XXXX which insures my XXXX vehicles and personal residence.
XXXX XXXX XXXX XXXX, Ohio has illegal reasons for denial of credit for credit worthy customers. They cits a secret risk score known as behavior risk score which I have never seen before. They are listed all over on the internet Ripoff reports and businesses where consumers had the worst experience.
XXXX XXXX denies me credit card despite my household income north of {$400000.00}. My FICO score is exceptional and has no delayed payments. I am a responsible consumer.
I believe that bank uses discriminatory lending practices based on age and foreign last names despite the fact that I was born in United States and enjoy a financially stable life.
XXXX XXXX has a very poor record of charging its customer predatory fees which you can see by going to XXXX.
It is my belief that I was denied credit based on false assumptions of underwriting department regarding my last name and my actual age which is greater than XXXX despite the fact that bank if required under Ohio state laws to make credit equally available regardless of race, religion, sex or age as long as consumer has the ability to pay its obligations.
When I called the bank today at XXXX, the representative tried to confuse me and wont give me a phone number to allow communication to occur. Their letter of denial lacks this number as well.
12/16/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
FL
33436
Web
I have never experienced in my life as impossible an agency to work with as Comenity. My autopay billing never worked, I was taken off electric contact without consent, which resulted in my account reported 120 days late. I found out when refinancing for my home and this was never reported late by Comenity in form of an email, phone call, etc. I finally got a hold of a human being by the name of " Ms XXXX '' who worked a payment arrangement so that balance could be paid in full, account would be closed and no fitber charges or fees would be added. In the amount of XXXX, I made 3 payments and paid off the account, which was also closed. There has not only been no update from this individual after trying to contact her at every avail, but I somehow have a balance of {$45.00} which includes a late payment? From a closed account??? Speaking to an actual human being seems impossible, or at least one that can offer technical support. They make no offer to help but are happy to collect any bill due. They hang up on you if you ask to speak to anyone else to find out more info. I made a complaint to the XX/XX/XXXX, which closed the complaint after Comenity would each out within 30 days. They have not. They happily flagged me for being 30 days late though. I am at the end of my rope. Because it is impossible to confirm what is going on behind the scenes, I am left no choice but to raise issue with every 3rd party aganecy in hopes to make contact and repair the damage done.
06/18/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
VA
20151
Web
Hello, I had a 12-month promotional plan through an Arhaus Archarge Comenity account. I had {$1100.00} remaining balance that I needed to pay by XX/XX/XXXX. Due to the pandemic, and reduced funds, I had to move around money and needed funds to clear. On XX/XX/XXXX, I paid {$1100.00}. Because I was one day late and {$52.00} short, this resulted in a {$1700.00} finance charge!
I've been a loyal customer -- spent over {$10000.00} in one year, always paid on time and almost always paid more than the minimum amount. When I called the company, they said while they can waive late fees, they're unwilling to budge on the promotional charge.
I find this charge extremely misleading. I should be able to designate online how much of my payments should be applied to which promotional plans. Instead, the company decided this for me and then charged me an outrageous fee.
For example, on XX/XX/XXXX ( XX/XX/XXXX statement attached ), I made a payment of {$1000.00}.
Comenity split up the payment by applying {$20.00} to a promotional plan due XX/XX/XXXX, {$250.00} to a plan due XX/XX/XXXX, and {$720.00} to a plan due XX/XX/XXXX. This wiped out the balance of the XX/XX/XXXX plan when I had 3 more months to pay off the balance.
If I had been able to designate how to apply the payment, or had they checked with me ( the paying customer ), I would've instructed them to apply the highest amount to the highest balance, which is the plan they later charged me a {$1700.00} fee for!
12/15/2019
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
FL
33176
Web
Last year I called to cancel the credit card with XXXX XXXX and thought my request had been honored. I was told that it was cancelled and I paid my club membership fee. Recently, I called the customer service number which started my being bounced from collections to customer service. I sent a letter to all three credit bureaus to close the account. I did not activate the credit card. I sent a letter in the month of XX/XX/XXXX stating that the account should be closed. As the representative misrepresented the truth last year I was told to pay the club fee by phone and she would waive the annual fee for the credit card. I was told the only way to close the account was to give her my account number to pay the club membership and she would then close the account. For me it was too much confusion to give someone permission to withdraw funds from my checking account and no way to verify the completion and finalizing of the transaction. She verified that the only payment on the account was on XX/XX/2018, of {$45.00}. I did not choose to continue the credit card and have since on numerous occasions requested that the credit card account be closed. The credit card number is XXXX XXXX XXXX XXXX, the account number on the statement is XXXX XXXX XXXX XXXX and the store club number is XXXX. There should be no " running charges '' or " annual fees '' for a credit card I did not activate and requested to be closed. The only charge that should be incurred is the club membership.
04/19/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
FL
32569
Web
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX A Original Creditor Name : Comenity Bank I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Thank you for your time and help in this matter.
06/06/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
MI
48033
Web
In XX/XX/2019, I opened a Comenity New York & Company. On this charge I purchased a dress and in the same month XX/XX/2019, I returned the dress. I believed the financial part of the account to be settled, even. In XXXX I received an alert on my XXXX XXXX and it stated I had a late payment and my score fell XXXX points. After I reviewed the report, I realized that it was Comenity New York and Company. I immediately called New York & Company to get and explanation. The agent told me I had been charged a restocking fee or the fee for returning the dress, {$6.00}, I am not sure. I tried to reason with agent, and I requested removal of the late payment and a onetime courtesy to remove the negative remark off my credit report because my actions were not meant with malice, and it was truly a mistake. After the agent told me she did not have the authority to remove the late payment, I then wrote to the CEO of New York & Company requesting a onetime courtesy and or forgiveness of the removal of the late payment. I anticipated a favorable response. However, the response was devastating, the late payment remained.
I used this card once and I strongly feel this time only my actions do not fit the severity of their actions. I tried to explain this is my letter. I opened a credit card, I used it once. I purchased a dress and returned it within the same month, and I was not aware of the {$6.00} fee. So, I am requesting assistance in removal of this late payment.
Thank you
04/24/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
CA
90622
Web
I opened credit card with XXXX XXXX on XX/XX/XXXX. I made purchase for {$34.00}. I made payment through XXXX XXXX using my checking account. I had enough money in my bank account at this time. XXXX XXXX did not send the money to XXXX XXXX, It was the fault of XXXX XXXX not me.
XXXX XXXX added late fees with no right, Does the law at CA allow to add late fees with all these amount with no rules? I requested to close my account with XXXX XXXX and removed any errors on my credit report. It hurted me without doing anything. On XX/XX/XXXX, I contacted with customer service at phone, the representative was very rude and aggressive, he did not help me at all.
On XX/XX/XXXX, I called XXXX XXXX, I talked with XXXX, her employee no was XXXX. I explained that I made my payment for credit card on XX/XX/XXXX, XXXX XXXX didnt send the money. It was not my fault, it was the fault of XXXX XXXX. XXXX XXXX added many late fees with no right, I couldnt financially pay it plus it was not my fault.
On the same day, I made payment for {$51.00}. XXXX promised to move all late fee, I closed the bank account.
The XXXX XXXX sent errors about missing payments, would you please remove it?
I asked XXXX to remove the errors from my credit report, she told me that she did not know, I wonder how they reported me by mistake and did not how to fix it. Please help me to remove it from credit report.
I CLOSED the account, they still reported me that they own me {$5.00} to hurt my credit
11/28/2017
Yes
Payday loan, title loan, or personal loan
Installment loan
Problem when making payments
CA
95949
Web
I obtained a personal loan through XXXX XXXX - XXXX XXXX XXXX XXXX, for a XXXX procedure. The initial XXXX caused XXXX XXXX issues, and I have had to move to a specialist to fix the damage. The initial XXXX, XXXX, returned the money to XXXX XXXX on XX/XX/XXXX, 2017. As you can see from the attached Documentation, XXXX XXXX XXXX XXXX XXXX XXXX, received the money at the end of XX/XX/XXXX. I waited to be reimbursed for two months. After two months time I contacted XXXX to inquire where my money was : XX/XX/XXXX - spoke w/XXXX & supervisor to have my refund deposited directly to my bank account by giving them my banks routing number and my individual account number. Given confirmation # XXXX ( which really turned out to be XXXX employee I.D . ). I was told it would be done by electronic transfer, which could take 714 days to complete.
XX/XX/XXXX- Spoke to XXXX & supervisor XXXX. Asked if any progress had been made in directly depositing my refund to my bank account. I was told it wouldnt be more than another 7 days.
XXXX - Spoke to XXXX XXXX. Told her that I had neither received the refund amount directly to my bank account, nor had I received a refund check. I indicated to her if the refund was not posted to my bank account by the end of business day yesterday, I would be forced to file a complaint. The money was never deposited. I paid almost 24 % interest on this loan. Is XXXX going to reimburse me 24 % for the additional two months they have held my funds?
07/15/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
VA
22802
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of XXXX we didn't get it XXXX doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
11/29/2018
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
MS
38751
Web
I have sent validation letter after validation letter. The last two requests I sent out on XX/XX/2018 and I sent them to the addresses listed on my credit reports XXXX XXXX/ XXXX- address : XXXX. XXXX XXXX XXXX, OH XXXX. I track the letter by using certified mail in which they received the document on Monday XX/XX/2018. They have failed to send me any information on validating the debt yet I received documents from XXXX XXXX in regards to the debt. When I checked on XXXX to see if the debt had been listed as being disputed it had not. However listed under XXXX XXXX/ XXXX and also under XXXX XXXX/ XXXX they both state " Transferred to another lender or claim purchased ''. The debt has not been validated by either company and if the account has been transferred to another lender or claim purchased why are they still showing on my credit report as negative items. The debt has not been validated but yet they will not remove these negative items from my credit report. This is not right. If it is purchased by another lender why are they not on my credit report as me owing them a debt. I would like this investigated. I have all do documentation and will be uploading it. The amount they state I owe is XXXX which XXXX XXXX XXXX state I owe them. They have not given sufficient documentation either to prove I have accumulated this debt. I have no such knowledge of owing either of these companies which includes " XXXX XXXX XXXX, XXXX XXXX/ XXXX or XXXX XXXX/ XXXX .
05/20/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TX
76692
Web
Servicemember
I first obtained the XXXX credit card in XXXX. Never had any payment problems or disputed charges. In late XXXX XXXX XXXX sold it to Comenity Bank.
First statement i got from Comenity showed charges i didn't make. I filed a dispute and was told their were mines. I made a written dispute requesting them to please investigate for fraud. I call to check the status and was told the charges were mines.
I never made a single payment to comenity because they won't even do a proper investigation to my disputed charges. The charges are from XXXX XXXX. I did go for a wedding but i stayed with family. I called the hotel myself to see if i can get evidence but although my card was used, my name wasn't and therefore they weren't willing to help me but did tell me the credit card company can.
Til this day whenever they contact me i tell them I'll pay my balance in full prior to XX/XX/XXXX. Because i never even activated their credit card issued by them.
Now they sending it to collections and my 2years window is closing in. So I'd like to get this matter resolved. I ask for comenity please prove it was I who filed these charges because i know for a fact i didn't! I'm not going to pay for something i didn't do. Please remove those fraud/unauthorized charges and i will pay the balance pre XX/XX/XXXX and close the account in good standing and correct my credit.
They're coming out like the frauds for not even doing a proper investigation when a consumer requests one.
09/11/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
DE
19802
Web
I am writing concerning my experience with XXXX XXXX that is both a grateful thank-you and a pressing request concerning a tradeline in my credit files that I would like to have revised.
I received my XXXX XXXX credit card in XX/XX/XXXX and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XXXX, XXXX and XXXX, I missed a couple payments that was a fault of my own.
If you look at my history since XXXX I have made 95 % of my payments on time. I do have essential organizational and financial management skills. I desperately need my payment history to reflects that. I wish to thank you for your renewed confidence in me and for giving me positive relationship with XXXX XXXX XXXX that I am determined to keep untarnished.
I'm about to begin the process of purchasing a new home. It has come to my attention that those few late payments may prevent me from taking full advantage of the best interest rates available. Since those late payments does not reflect my current status with your company, Im requesting that you please give me a second chance at a positive credit rating by revising those tradelines. I sincerely hope that there is redemption at XXXX XXXX, and I plead for such consideration.
If any additional documentation would assist in reaching a positive outcome, please feel free to contact me.
I thank you again for the time you have spent reading this correspondence.
Very hopefully yours, XXXX XXXX
07/20/2021
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
NH
03233
Web
Older American
I have a account at Comenity Bank and I have made all my payments on time I have paid ten payments in eight months and I have even paid more than my minimum payment many times.
And they have charged me outrageous fees. Late fees and finance charges over two hundred dollars which I refuse to pay. The people I have spoken with are less than professional and they Demand that I am always late with payments. My payments are due the 27th of the month I pay My payments on the first few days of the month every month. They charged me late fees on the first day of the month with my first payment. I have sent messages to them through their secure Message system many many times with no reply. I have sent a written letter to them addresses to the Bank Manager no reply. I am only making my payment of {$100.00} per month until I can find another bank t
o finance this loan. I am on a fixed income and have limited money each month. To find financing is difficult because of my income. I have never had this problem in my life with any Bank or any Finance Company because I always pay my bills and on time. I tried to explain to them that my payments are early very early not late, and they said no that I was always late. I wonder if other people are having this same problem with this Bank? I no longer have access to my account there it has timed out and I am unable to access it.
Thank You for any help you can offer in this matter. How will you know how to get in touch with me?
01/03/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NY
11201
Web
XXXX/XXXX changed online systems which made it difficult to log in and submit payment. My card number was not known because I lost the card during a move from the Pandemic, and calling the lender was impossible since their phones were always busy. Making payments became impossible since I was missing either the card number or their online account management changed, and they wouldnt answer my phone calls throughout XXXX and XXXX.
Even though I have plenty of resources to pay, I watched the account become delinquent because they made it impossible for me to give them information in order to pay. There were no resources when I tried to reach out.
Consequently, the account is negative on my credit report. Determined, I spent a whole day calling the Lender dozens of times and finally got through in order to get an agent to take care of this. They removed the charges and I paid the bill ( {$30.00} or something small ) which brought the account current. They admitted fault and gladly brought the account up to speed and removed all late charges or associated problems.
Since they let me know this wasnt my fault, I disputed this mark on my XXXX report which they removed it. XXXX and XXXX have not removed it.
XXXX after filing a report said that they agreed with me, but the credit report looks the same, so Im confused. XXXX wont allow me to submit a report and asks me to call customer service. It seems like they are all trying to make it difficult on purpose.
01/21/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NV
89436
Web
On XX/XX/2019 I noticed my payment for my promotional purchases did not go through due to issues with their website : https : //d.comenity.net/wayfaircard I spoke with a customer service representative to see why my payments did not go in as scheduled for the promotion purchase that was expiring XX/XX/2019 that expired resulting in a finance charge of {$400.00}. I discussed that there was issues with the their online payment system but I did get a website confirmation that the payment was scheduled to be paid. The payment however did not complete so the promotion expired and I was charged the finance charge {$400.00}. I disputed the charge with the Comenity and their resolution was that I did not pay it off in time disregarding the efforts that I did attempt to pay it off before the expiration.
There was a separate promotion purchase that was expiring XX/XX/XXXX. I noticed once again that the payment did not go through for this as well. I called the XXXX at approximately at XXXX on XX/XX/2019 to resolve this issue as well. I was told that since I was in within their grace period of 3 days since it expired on the weekend that if I made the payment over the phone I would not be charged a finance fee of XXXX. However on XX/XX/2019 I was charged the finance fee. I spoke with another account manager and she stated that since the payment went through at approximately XXXX PST it would not post the next business day so I was responsible for the finance charge.
07/15/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
10452
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/15/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
11717
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/14/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
11385
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/14/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
FL
34759
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/13/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
TX
77373
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/13/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
10039
Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/12/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
10458
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/12/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
10455
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/12/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
10461
Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/08/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NJ
07110
Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/06/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NJ
07753
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/06/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
10970
Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/02/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
11419
Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/01/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
10461
Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/01/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NJ
08080
Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/01/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
FL
33025
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
01/07/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NJ
07054
Web
Older American
I had a credit card balance transfer rate with Comenity Bank Mastercard with 0 % interest until XX/XX/XXXX. I paid this balance off on XX/XX/XXXX before the 0 % promo rate expired. In fact, I overpaid this account by {$100.00} and they sent me a refund check for the {$100.00} on XX/XX/XXXX.
They then decided to start charging me interest and late fees after the account was paid off and had a {$0.00} balance.
I have correspondence with several customer service reps from the bank. One agent took off the {$28.00} late fee and another stated he would XXXX my account out however this still hasn't happened. ( see attached email stating he would XXXX out my account ).
In turn they are calling me, texting me and harrassing me for having a {$30.00} balance which I do not owe.
I have called numerous times and get nowhere. I don't need this mark on my credit report.
I am attaching a copy of my XXXX statement of a WARNING NOTICE in RED that states I need to pay my balance of {$1700.00} by XX/XX/XXXX or I will be charged interest. It will show on my XXXX statement ( also attached ) that on XX/XX/XXXX I made a payment of {$1800.00} ( {$100.00} more than I owed ) and that on XX/XX/XXXX the bank sent me a refund and also charged me interest, even though the balance was paid off on XX/XX/XXXX, 4 days before the promo 0 % interest rate expired.
I am also attaching the email from the agent who said he made my account balance {$0.00} however that is not the case.
07/07/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
11429
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/06/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
FL
33811
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/06/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
10453
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/01/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
11432
Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
06/27/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
AL
35810
Web
XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$240.00}, the amount they gave me to settle the XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was not deducted from the balance and now is still showing a full balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
06/30/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NJ
08723
Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
06/19/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
NY
11510
Web
Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is Comenity bank/XXXX on my Credit Report with XXXX, XXXX, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,. Despite more than three written requests, the unverified account ( Comenity Bank/XXXX ) still remain on my credit report in violation of Federal Law. XXXX, XXXX, and XXXX and ( Comenity Bank/XXXX ) are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? XXXX, XXXX, and XXXX and ( Comenity Bank/XXXX ) have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore XXXX, XXXX, and XXXX and ( Comenity Bank/XXXX ) have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA youare required to. XXXX, XXXX, and XXXX failure to positively verify these accountshas hurt my ability to obtain credit.
09/21/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
TX
76051
Web
I have a credit account with Arhaus/Comenity Bank which was auto-drafting payments. When Arhaus returned a payment due to an address discrepancy, I was contacted by phone for the 1st time by Arhaus around XX/XX/XXXX by phone and told that if I tendered a payment via phone immediately that my account would remain up to date with no issues reported. I complied and gave them my card immediately. The Arhaus employee then told me that the account would remain up to date with no issues being reported and told me I would receive an email verifying this shortly after the payment was processed. I did not receive an email and roughly 3-4 days later I receive an alert on all 3 bureaus that I am 30 days past due on my credit account. This was the exact opposite that I was told on the phone by the Arhaus employee and I was compliant with all request the first time they contacted me. I have perfect credit and never miss a payment and this is incorrect. I have sent in documentation in the form of payment statements showing all of my payments being auto-drafted on Arhaus website dashboard on time to XXXX as well as to Arhaus/Comenity and it seems that nobody is accepting clear proof. This is a cheap attempt by a creditor to incur fees on a consumer with no history of late payments, a blatant disregard for the damage caused to perfect credit when a company is reckless with their customer service, and does not reflect the truth of my account history with this creditor.
10/09/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
NY
14075
Web
On XX/XX/XXXX I received a new credit card in the mail from Comenity Bank replacing my Wayfair account. The mailing had an activation promotion flyer that stated if you activate this account and make a purchase 90 days from the activation and charge {$500.00} or more on your account you would receive {$100.00} in cash rewards. I activated the account on XX/XX/XXXX and used the account to make a purchase with XXXX {$560.00} on XX/XX/XXXX. On XX/XX/XXXX I had to reorder my blinds and recharge the account for the same amount because of a change to my blind order. On XX/XX/XXXX I spoke with a XXXX at customer service and asked if the promotion shows up at her end. She said it did not and the reason was because the purchase was deferred interest. I was never told that my purchase was deferred interest and I still have not seen this on my statement that it was deferred. XXXX told me we can not honor the promotion because of that. I told her that when I made the purchase there was never an option to defer payment instead. Yesterday I received another mailing for the same promotion spend {$500.00} or more and receive {$100.00} of next billing cycle.
I felt that this was extremely misleading and therefore I paid my balance off. She also said that my rewards of {$27.00} can not be applied towards my balance. So I paid my balance off.
I felt this company was misleading me so bad and I did not feel comfortable with them that I had to report this.
Thank you,
08/13/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
33786
Web
1. I purchased an umbrella on sale from XXXX XXXX XXXX while in the store.
2. I returned the defective umbrella for an even exchange 3. While in the store, the clerk was unable to give me an even exchange while in the store for the damaged umbrella, but stated once the replacement umbrella arrived, it was shipped to my home, I could return to the store for a credit to my account for the difference. She charged me full price for the replacement umbrella.
4. Once the umbrella arrived, COVID hit, and this XXXX XXXX XXXX store closed, no one answered the phones, nor was I successful getting in touch with Comenity the bank that holds the credit card that XXXX XXXX XXXX has a relationship with.
5. I contacted Comenity, as they charged me {$74.00} in late fees as a result of this umbrella refund.
6. They credited me the {$74.00}, 7. In XXXX I was able to go back to the store to receive the proper credit 8. I paid the additional {$9.00}. and some change, essentially paying off my XXXX XXXX XXXX card through Comenity 9. I now see a late fee, on top of a late fee on this Comenity XXXX XXXX XXXX Card ... Late fees being charged on late fees? Is this legal? I owe Comenity nothing ... I am paid in full, except for late fees as a result of Covid ... I called XXXX at Comenity today and told her to close my XXXX XXXX XXXX card with Comenity! XX/XX/2020 XXXX. Furthermore after they credited me the late fee, they never credited me the interest on the late fees.
03/05/2020
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
MD
20744
Web
Older American
This complaint is about my efforts to return three ( 3 ) of the four ( 4 ) pair of boots purchased for my daughter at a Lane Bryant in XXXX XXXX, XXXX, MD. My daughter decided to keep one pair of boots and I attempted to return three ( 3 ) pair of boots. This store no longer exist in the stated location.
The store location in which I attempted to return the boots purchased would not accept the boots for return for the stated reason that they were not in a box. Two ( 2 ) pair of boots/shoes were not in a box when purchased. I had a receipt and the attempted return was made within the time allowed.
Three ( 3 ) pair of boots I purchased for my daughter were too small so I initially attempted to return the boots to a location other than the one where the purchased was made. The store location in which I attempted to return the boots purchased would not accept the return because they were not in the original box. I explained to the then store manager that the boots were not sold to me in a box.
I went back to the original store where the purchase was initially made in my efforts to initiate the return. However, by that time, I could not locate my receipt and the store manager at this location could not find the purchase in their records. The purchase was made using a Lane Bryant stores credit card. The style number of the boots I purchased and are still awaiting return to Lane Bryant are included below. When I purchased the boots, they were on sale.
05/11/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
CO
80233
Web
XXXX / XXXX / XXXX I needed expensive dentist work for my teeth. The dentist sold me on a no interest credit card from, Comenity Capital Bank, XXXX XXXX XXXX Credit Card account. XXXX . I charged {$7500.00} and had the work done. I did not understand that it was a 24 month promotion period with no interest. In XXXX XXXX the promotion ended and they charged me an extreme interest rate of 28 % and started it at the beginning date. I had made every payment on time and most payments were in addition to the minimum payment. My balance in the beginning of XXXX was {$2200.00}. Payments were due on the XXXX of every month. On XXXX / XXXX / XXXX they added {$2000.00} interest, and {$2100.00} - PROMOTIONAL TO REVOLVING. I called and discussed this as soon as I notices, around XXXX / XXXX / XXXX . I pleaded with them to remove the interest charges and I was prepared to pay the balance in full. I spoke to 3 different levels of management and they were extremely rude and would not budge. The last person was the district manager and he said he did n ot report to anyone when I asked for his supervisor. There was small writing on the electronic statement saying that the promotion was ending. I feel I should have been notified by mail, email, or phone. I paid off the entire balance, in fact paid over by {$87.00} which they will not return. The balance paid was {$4200.00} which was the balance on the XXXX ending statement.
12/09/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
WA
98058
Web
Since XX/XX/2020, I have contacted Comenity Bank 13 times in writing and multiple phone calls to request that an amount of {$250.00} be reimbursed after it was incorrectly withdrawn from my XXXX checking. It occurred after a canceled payment in the XXXX XXXX XXXX in XXXX Washington.
I was able to obtain a copy of the canceled transaction receipt for the attempted payment on XX/XX/2020, of {$250.00} from the XXXX XXXX XXXX in XXXX, Washington. I sent them a copy as well that shows the transaction status states CANCELED, and then further down it states, " The aureus response text : DECLINED '' And the reason " Payments can not be made on a MasterCard account until a customer has received and activated their physical card, '' was given. I had not, in fact, received a physical card at that point.
I also sent them a letter from my credit union, XXXX affirming that the transaction posted to my account and the funds of {$250.00} had been removed from my checking. The official letter gives the date, the time the transaction was initiated, as well as the trace number.
I have submitted everything Comenity Bank has requested and still have yet to get the problem resolved. It has been going on for almost 8 months now. I have requested that the amount either be applied to my account or refunded back to my bank since I made a second payment of the exact amount from XXXX XXXX XXXX XXXX on XX/XX/2020 that was correctly applied by Comenity Bank on XX/XX/XXXX.
11/25/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
NY
11434
Web
On Friday XX/XX/XXXX, there were five charges to my XXXX card ending in XXXX from Sony, for {$84.00} each and one charge for {$44.00} totaling just short of {$500.00}. I've had issues previously with family members using my card to buy online content without my consent, so I froze my account. The only time a transaction is supposed to be authorized is if it's a recurring subscription, or, I manually log into my bank and unfreeze it. I contacted XXXX, disputed the charges, and was issued a temporary refund that was however reversed when the bank took the side of the merchant since the merchant stating that the charges were valid. The charges were never supposed to be authorized in the first place, that's the reason I froze my account in the first place. XXXX informed me that Sony originally marked the charges as one time normal charges, which they were, but because my account was locked, XXXX denied the charges, so Sony fraudulently issued a charge back, a second time, but this time, marking them as recurring subscriptions. I don't have 5 subscriptions from Sony for {$84.00} each and 1 for {$44.00}. So why would they charge it as a subscription? That's fictitious and highly fraudulent. I tried contacting Sony for a refund and explaining the situation but they wouldn't even budge, who in their right mind spends {$500.00} on in game purchases, especially in the midst of a pandemic where they can barely even afford to do so because they're out of work.
07/09/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
IN
47130
Web
Older American, Servicemember
I have a Total Rewards credit card thru XXXX XXXX. For several years I had a monthly payment to XXXX / XXXX XXXX local newspaper debited to my credit card. I have tried to cancel this paper since XX/XX/2017 by many avenues ... .left messages / message online to the CS / Messages to " contact us '' / Called directly & held on phone over 30 minutes with no one ever answering ... .just a revolving message to hold. I have disputed the monthly charges every month with my card issuer. Have messaged on the XXXX web page ... back & forth dozens of times & been told they would close card & reissue new one that the company can not debit ... .this was done twice & did not help ... ..the card issuer just transferred the debit to the new card number! Then a CS person would say changing cards does not help ... ..why do I get multiple answers from their CS dept .no one seems to know anything. The monthly charge was {$22.00} but went up to {$23.00} .... The most recent CSR said pay the full bill ( as I do each month ) less the amount I was disputing ... ..Bill showed {$260.00} .with a disputed {$23.00} amount ... so I paid {$230.00}. NOW they claim I owe the {$23.00} & also a {$22.00} ... .which was not on the last statement. Just received a message saying they have closed my account but the balance is {$45.00}!!! Said it will be reported to the 3 major credit bureaus ... ..I have excellent credit & will contact an attorney if someone can not protect my interests!!
10/08/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
CA
94555
Web
I am a XXXX XXXX worker, and work at XXXX XXXX.
During Covid, I was marked late for XX/XX/XXXX, for my Comenity and Express cards Comenity Bank Express card : XXXX and Victoria Secret Card : XXXX.
I had over $ XXXX in my checking account to make the payments on these, however I came down with XXXX and the rest of my family was XXXX as well.
I was in no mental and physical shape to attend to my mail. I was sure that I had made a payment online, but apparently Comenity claims nothing was received.
After finding out I was marked late checked the Comenitys website which said I would only be marked late if payments werent received for 60 days, however I was still marked late despite not being 60 days late.
I am trying to apply for a mortgage and these late payments have destroyed my chances. Im a loyal and happy Comenity customer, Ive read Comenity has made adjustments for people affected by Covid and I hope that Comenity can remove the XX/XX/XXXX, late payments off BOTH my accounts, given that Im a XXXX XXXX.
Accounts information : Account information number 1 : Account name : COMENITY BANK/EXPRESS Account number : XXXX Balance : {$83.00} Date opened : XX/XX/XXXX Account status : Open Account information number 2 : Account name : COMENITYBANK/VICTORIA Account number : XXXX Balance : {$1500.00} Date opened : XXXX XXXX, XXXX Account status : Open Please see attached my XXXX XXXX ID.
Solution : remove XXXX late payments XXXX from my accounts.
05/23/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a credit reporting company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
WV
26726
Web
Servicemember
II r eceived a letter ( by mail ) from COMENITY CAPITAL BANK dated XXXX XXXX . COMENITY CAPITAL BANK XXXX XXXX XXXX , OH XXXX . XXXX I had applied for a MY PLACE REWARDS credit card account which Comenity Capital Bank issues and handles any account-related matters. The letter stated that they were unable to approve my application as I did not meet their debt to income requirements. M y credit score a s of XXXX XXXX XXXX : XXXX I contacted them immediately asking why I had been denied the credit with an Excellen t credit score. Unde r the Fair Credit Reporting Act, which they based their credit decision, in whole or in part, on information they obtained from XXXX . They told me they could tell me nothing at all and I would need to contact XXXX . I did so, and after explaining my situation and telling them that I was n't concerned at all about the denial of the card, I wanted to make sure that this did n't leave a denial on my credit. XXXX explained to me that they could n't tell me anything and I would need to contact COMENITY. Since I 'm at a standstill, I just want to get an answer verifying that their denial ( and purpose ) will not be on my credit report. I have ALWAYS had excellent credit. I do n't want this to jeopardize my credit. I would appreciate any help you can give me to get this issue straightened out and to insure that this has n't effected my credit. Thank you. XXXX XXXX XXXX XXXX XXXX
06/27/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
AL
35810
Web
XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$240.00}, the amount they gave me to settle the Victoria Secret account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
05/12/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OH
45779
Web
On XX/XX/XXXX, I paid my credit card off in full. It was 5 days past the due date. I made no other purchases on the card. I was charged a XXXX dollar late fee and finance charge ( not sure what the finance charge was for on a XXXX balance ) XX/XX/XXXX, I didnt even check the statement because I had paid off the account in full. Another XXXX late fee and a finance charge. XX/XX/XXXX ( today ) I get a call that I owe them XXXX dollars and some change. I was assured that if I paid them today, the payment was good through XX/XX/XXXX. So I pose the question so I wont be charged another late fee in XX/XX/XXXX because today is 7 days past my due date. The response was I would not. So I ask then what is the difference between XX/XX/XXXX and XX/XX/XXXX? You charged me in XX/XX/XXXX for XX/XX/XXXX why wouldnt you charge me in XX/XX/XXXX for XX/XX/XXXX? The representative then offered to waive XXXX in late fees, with no explanation why I was charged in XX/XX/XXXXl, but wouldnt be charged in XX/XX/XXXX. The computer conveniently froze and even though I asked to remain on hold to resolve the issue, I was disconnected. 3 attempts to reach the representative were unsuccessful. I also asked for a balance so I would never have to deal with this card for he rest of my life, The representative was unable to provide that information. I feel like this is an attempt to unfairly collect fees that are not due to them. The company is XXXX XXXX the card was through XXXX.
11/15/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CT
06010
Web
Today,XX/XX/XXXX I received and opened my latest credit card bill for the store, XXXX XXXX XXXX. As I just paid my bill on XX/XX/XXXX, for the amount of XXXX dollars, I was expecting my balance to be around 95 dollars. It was XXXX dollars last month. I was very upset and surprised to see that the balance was XXXX dollars. When I called the customer service number on back of the card, I was told by the service girl that she could not remove the late fee because I had been given a removal last year in XX/XX/XXXX I said I paid the bill on time by the due date and they did not have a right to charge me and she tells me it was suppose to be by XXXX, and I paid it at XXXX XXXX I told her the bill does not state time just the date. Later that afternoon, I called back and was given the same run-around. This robotic style woman tells me the due times are on the back not the front of statement, ( how convenient ). I checked the times just now and they say XXXX eastern time, or XXXX at the store, so therefore I am positive they are lying to me because she said XXXX. The supervisor was like a robot who could n't put her robot script away to help me, so I told her I would be contacting the consumer finance complaint department to help me out. I would like the late charge to be removed so I can pay off the entire balance by the next week or two before the deadline that they out of the blue are imposing. I also think they can do better or lose me as a customer.
02/14/2017
Yes
Credit card
Late fee
FL
34684
Web
Comenity Bank who is financing my XXXX XXXX Credit card has been charging me late fees from paying the late fee late.
I have no more balance from the purchase that I made worth XXXX, my balance right now is XXXX. All just late fees.
XXXX XXXX, XXXX is my due date for the credit card, I paid the credit card XXXX XXXX so I was charged a late fee of XXXX I emailed and got the fee reversed because I was a new customer. I had a balance of XXXX from that XXXX original purchase but because I had thought I had set up my account for auto pay I was late again and my payment went thru on XXXX XXXX, XXXX.
So i was charged another late fee of XXXX again which now they were not able to reversed. So I paid for it on XXXX XXXX. That was my only balance because I never used my card after that. But I did not know that they have added a minimum charge of XXXX on XXXX/XXXX/XXXX. So the next month I did not even check the account cause I was sure I had XXXX balance, I was surprise to see my bill they charged me another XXXX late fee of the XXXX ( finance charge ) balance that I did not know about. Added another XXXX on XXXX/XXXX/XXXX another late fee XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX minimum charge XXXX, XXXX / XXXX late fee XXXX minimum charge XXXX/XXXX/XXXX, XXXX/XXXX/XXXX late fee XXXX, XXXX/XXXX/XXXX finance charge XXXX, XXXX/XXXX/XXXX late fee XXXX, XXXX/XXXX/XXXX finance charge XXXX.
These are all just from the late fees, my purchases were all paid.
07/15/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
CO
80122
Web
Older American
I purchased a pair of shoes from XXXX XXXX for {$30.00}. They offered a store credit card from Comenity and I signed up because I thought it would help me increase my credit score. They never sent a bill. I called twice to ask about the amount due and to make payment. I was told I would have to wait until I received my bill. I became very wary of the company and closed the credit card account. This is evidenced by the entry on my credit report of Comenity closing the account on XX/XX/2021. When the bill finally came, I made prompt payment on XX/XX/2021. The check was not processed by the company until XX/XX/2021 and after they charged a late fee and minimum interest charge on the account of {$37.00} on XX/XX/2021. I called to tell them the credit card account was closed and that we payed as soon as we received the delayed delivery of the statement/invoice. They refused to take action or even acknowledge the account was closed. I have spoken with them three times since. The purchase has been fully paid for. They refuse to close the account and continued to charge a late fee and minimum interest fee of {$37.00} per month on the closed account, charging interest on the interest and late fees. The fees have now added up to {$100.00}. Again I called and told them I was going to file a complaint and again they refused to do anything. Their actions in causing the delayed invoice/statement feel intentional and an abuse of fair consumer credit practices.
02/15/2017
Yes
Credit card
Other fee
GA
30067
Web
I had a service done at XXXX, at the time the promotion was XXXX % off of XXXX. The way you create an account with them is by credit check and you have a limit amount you can use with the store. I was approved, and the way it was explained to me is as far as you do not make late payments you will not have any additional fees.
I have made every monthly payment since XX/XX/2015, started at {$3600.00}. My XX/XX/XXXX statement was {$980.00}. Each payment has to be schedule because they do to allow an automatic payment, so it is easy to forget, either way I normally set 2 months in advance, because it will not let you set more than about 50 days of payments. The day the payment is received I get an email confirmation and the new balance, so I rarely go look at my statements. On XX/XX/XXXX I go to my account to set up a payment for the XX/XX/XXXX which is due XX/XX/XXXX and the balance is {$2100.00}. I look at the charges and it shows that I had an interest charge of {$1200.00} on my account XX/XX/XXXX which is in between statements. I immediately call their customer service and what I am told is that I had 4 days to dispute the claim. I was not aware of the charges ( I do not have a reason to go on the website if I set up payments for 2 months in a row, ) or of the end date of the " promotion '', or else I would have aid the account in full. I offered to pay my previous balance in full before the interest charges and they gave me no answer to this.
02/07/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
WI
53210
Web
In XX/XX/XXXX I closed my XXXX XXXX Credit Card due to Comenity charging me interest on a disputed amount of {$810.00} even though multiple customer service representatives told me there would be no interest on that amount while it is in dispute. I provide documentation from the hotel that the disputed amount was credited to the card in XX/XX/XXXX. Comenity still has the charge on my credit card and is still charging me interest and now late fees on that amount. I called Comenity in XXXX and XXXX to discuss this and each month the customer service representative provided me an amount to pay to avoid any further fees or interest and each month I paid it for the sake of my credit score. It is now XX/XX/XXXX and I am done continuously paying interest that I do not owe. On XX/XX/XXXX, a customer service representative told me she would waive the {$30.00} late fee if I make a payment of {$33.00}, this makes no sense considering the only amount owed on the card is the amount in dispute and the interest and late fees they are continuing to charge me. I have been misled month after month to continue paying fees to Comenity. This is not a fair business practice! No matter how many times I call to speak with someone at the management level, I simply get transferred to another department only to be told to talk to someone in customer service, and therefore, this problem just continues to go on and on. I want to be done with this awful credit card issuer.
12/15/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
91423
Web
Servicemember
The card I am submitting a formal complaint about was issued by Comenity Capital Bank through XXXX - originally a {$350.00} limit card when first opened. Covid-19 happened and I had a job loss. I have attempted for over a year with Comenity Bank, asking for a detailed, itemized forensic reports, Covid-19 " relief '', negotiating a pay off amount, etc. and it's ALWAYS the standard answer of " please give us a call to discuss your matter ''. When calling you can not get through. Many letters sent on my side, as I prefer to have things in writing, and I have stated that each time. No communication other then one letter and vague messages back and forth on their website platform. Now, my bill has rocketed to {$1300.00} with no amorritization, nothing. The card was closed in XXXX of 2020. I paid monthly for their " account assure '' in case of job loss, but since there is no transparency of fees or anything, I'm not sure what was applied. I sent them all of my EDD paperwork to process for payment from account assure as well. I tried to resolve the issue through the XXXX and it just keeps slipping through the cracks and getting larger every month. This treatment isn't fair at all, especially at a time like this. I am willing to pay the {$350.00} from my original bill, but that's all. I feel that they have taken advantage of customers during this time and they are not following the Covid-19 relief laws that were put in place in California. Thank you.
04/09/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CA
91406
Web
I purchased appliances through XXXX XXXX website and received a promotional period of no interest for 18 months with Comenity credit. I paid diligently over the 18 month period and paid of the last statement on XX/XX/2020 with a statement due date of XX/XX/2020. However the following month I received a bill with all the interest incurred over the 18 month promotional period. After calling the company they stated I had paid the last statement after the " promotional date '' but before the statement due date. I have paperless billing and when I paid my last statement, nowhere did it show a promotional due date on the physical website. I had to open the full paper statement to show any documentation of the date they were speaking of. Had I known straight from logging in to their website that the bill needed to be paid on XX/XX/2020 not by XX/XX/2020 I would have done so. After speaking with multiple managers they refused to do anything to mitigate this, refused to make any changes to the incurred fees, refused to offset the payments or remedy the situation in any way. All they could say was I was past they date and they Would not do anything. Not that they Could not, but WOULD not. This may not be fraud, however this was misleading to someone who chose to be paperless and was diligent about making payments to meet the deadline. They refused to make any changes to a paying customer who was on time on every bill. 11 days cost me nearly {$1200.00}.
11/08/2018
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Sued you without properly notifying you of lawsuit
TX
76001
Web
XX/XX/2018 Received a phone call from XXXX XXXX XXXX ext. XXXX. They left a voice mail for someone NOT me. Threatening to " take the next step '' and if they hadn't heard from this person, they would assume that they didn't intend to resolve the situation.
I DO NOT have a personalized voice mail, it is completely generic.
Maybe I wouldn't be so upset over this if I didn't work for a bank and didn't know any better, but the fact that they even gave me enough information to know this person has an account is a breech of confidence, but to add insult to injury, you just clearly gave me information about this person 's finances. But it's clear from the conversation that I had with your employee that they think it's perfectly fine.
An employee of a bank should know it is on THEM when MAKING calls to do their due diligence to make a positive identification of a client before detailing any kind of information. Including insinuating a lawsuit. I don't care if I know the person, if YOUR company has not positively identified contact with YOUR client, then you have NOT to the best of your abilities attempted to contact your client. It is NO ONES responsibility but YOURS to make sure it is YOUR CLIENT receiving messages and not someone else. Blindly dialing phone numbers that might have *something* to do with your client IS NOT an acceptable way to try to resolve any situation. It is unacceptable and partially one of the reasons the CFPB exists anyway.
10/23/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Investigation took more than 30 days
FL
33128
Web
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates : XXXX ( XXXX XXXX XXXX ), XXXX, XXXX XXXX XXXX never gave XXXX, XXXX, XXXX " written consent '' to report anything on my consumer report they are saying they have but not supplied accurate validation of said certified mailing proving I have supplied such.., No Consent is IDENTITY THEFT. Concerning the account listed below as a Consumer, I Am demanding a deletion of this 3 accounts effective Immediately. I, XXXX XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. This investigation has prolonged for more than a month. According to the FDCPA this is a violation the account must be removed according to Federal Law, silence is acquiescence.
06/27/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
AL
35810
Web
XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$260.00}, the amount they gave me to settle the XXXX XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
03/24/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
OH
45066
Web
In XX/XX/2017 I purchases a XXXX laptop computer from the XXXX XXXX XXXX ( XXXX ) for approximately {$420.00}. The item was being broadcasted on the XXXX XXXX. It offered a 12 month no interest with payments option which I ordered online on the XXXX site, clicked the 12 month promotional financing. I'm set up on auto billing that comes out of my checking account but in XX/XX/XXXX I noticed that I was being charged interest ( about {$8.00} each month ) when the promo was to be interest free. I immediately contacted XXXX XXXX ( the company that underwrites the XXXX credit card ). They said that they would put my account into dispute and I checked back with them twice, it took nearly 60 days and they responded back to me via email stating that there was never any no interest promotion offered for the computer that I had purchased. To make this short, we communicated back and forth via email 2 or 3 times and they said that I should call them to discuss. To be honest I've spent many hours dealing with this so I decided to just pay off the entire balance of the card and I cut up the card and sent it back with my request to close the account. I went onto a website and published my story and after I checked there was a complaint right before mine with basically the exact same situation. I've paid this account off but I would like people to know that XXXX XXXX doesn't follow through with promotional financing that is offered to XXXX customers.
11/15/2016
Yes
Debt collection
Credit card
False statements or representation
Attempted to collect wrong amount
CA
95661
Web
Servicemember
Around XXXX 2015, entered into the XXXX credit hardship program for a length of 12 months. During the phone call with the collector, they stated my debt would be settled after 12 months of on time payments of {$14.00} a month. I specifically asked them if the debt would be discharged after 12 months and they responded in the affirmative. On XXXX of this year, after making all the agreed payments, I called them about why the debt had not been discharged, and they stated I had misunderstood what the agent had said about my debt being discharged and it was a common problem of people in the hardship program. I stated I had the original contract sent to me by them as well as a transcript of the agent telling me they would discharge my debt. After putting me on hold they stated they would review the original call from XXXX of 2015 and get back to me in 5 business days with there decision. I asked if they would discharge the debt as agreed upon and they stated they would not, they would do only what they could as outlined in the paper agreement, not what was verbally agreed upon. I stated I wanted to settle this matter now and I would pay the remaining balance on the statement, barring the removal of the late fee 's they had charged me. I did not want to go to court over such a small amount and they made it sound like this would be something they would go to court over as it was a 'common mistake made by there customers over the hardship program '
06/30/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
OH
44118
Web
I have had a credit card with XXXX through Comenity for several years and rarely use it. I used the card over XXXX and completely forgot to pay the bill. I went in and paid online the balance ( 1 day late ) not realizing there was a late fee associated with the account. I received a phone call ~ 60 days later saying I was delinquent. I called, fully prepared to pay the late fee, and the late fee associated with the late fee, and close the account. The first representative took care of one late fee and said she couldn't close the account for me and transferred me to a care specialist. This person asked if she took care of the late fee would I not close the account. I said if there's a XXXX balance I won't close the account. She confirmed with me that there was a XXXX balance. Then, on XX/XX/XXXX, I received another collection call, this time for 4 late fees. So now I'm up to {XXXX}, all in late fees and interest associated with the first WAIVED late fee. I was on the call for 45 minutes while they tried to figure it out and was magically disconnected. I called back and was placed on hold, and again, magically disconnected. When I called back a few days later I was told the customer care manager would get back to me, and nothing. Now I'm in collections and can not get anyone at Comenity to speak about my account. I am a loyal XXXX shopper ( even without the card ) and I really think they should be questioning their partnership with Comenity.
08/21/2017
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Application denied
UT
84115
Web
XXXX XXXX has " Zero '' Integrity and needs to be investigated on their business practices and their applications FAIL to disclose they can and will pull any of the 100 or so Credit reporting application to extend credit for on of their STORE cards. This PRACTICE is not being PRACTICED by any other LENDER NOT MAJOR CREDITOR. This is an illegitame scheme to deny credit to those like me who have been Purposely Black listed for no reason. A few years ago my IDENTITY was stolen and filed many fraud alerts with XXXX XXXX and since then trying to get any personal credit with them has been BLOCKED. My FICO score pulled for their XXXX XXXX store card was FICO XXXX XXXX from XXXX. XXXX XXXX a major bank much prestigious and harder to get APPROVED used the same scores to APPROVE 4 lines of credit. XXXX XXXX pulled a FICO score 0f XXXX, but denied my a store card for XXXX XXXX having a security freeze. Account protection requested I open XXXX XXXX and then later stated they did n't need XXXX XXXX and for me to reopen XXXX multiple times. Then this letter stated they denied me for too many " Excessive INQ ''. They are the only company thats been requesting me to open XXXX multiple times. This is simply BAD BUSINESS! Account Protection stated they would remove XXXX INQ, but why? Because they obviously see there clearly is discrepancies in their handling of this application. No creditor willfully removes INQ unless they are guilty of doing bad business.
08/03/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
TX
75149
Web
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Comenity bank/wayfair on XX/XX/XXXX and I have no recollection of doing any business with Comenity bank/wayfair. I contacted Comenity bank/wayfair, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies.
The second inquiry in question was made by Comenity bankXXXX on XX/XX/XXXX and I have no recollection of doing any business with Comenity bankXXXX I contacted Comenity bankXXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies.
They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
04/13/2020
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
TN
37040
Web
I have numerous store credit cards through Comenity Bank. I don't have the best credit score, but I make my payments on time every month and have been trying to pay down the balances and making some progress in this regard. Over the past week, I've been flooded with emails from Comenity Bank saying that upon " review '' of my accounts they were lowering my credit limit. They lowered these cards to just above the balance that I owe. And one card that I had paid off, they just went ahead and closed. This has impacted my overall balance-to-limit ratio, or utilization rate, which will negatively impact my credit score as it now looks like I've maxed out all the cards I've been actually working hard to pay down. Here are the cards with decreased limits : Wayfair, XXXX, XXXX, XXXX, XXXX XXXX. This is the card they closed out because I had a {$0.00} balance : XXXX XXXX. As I said, I make payments on time on these accounts always. It appears obvious to me that this action has been taken due to Comenity 's fears of nonpayment during the coronavirus epidemic. This seems to be an unfair and unethical practice to me because my already less-than-stellar credit score is going to go down even further because they've lowered all these limits and closed account ( s ). From looking at chat message boards, this is happening to a lot of Comenity 's customers. I tried to call to express my concerns but the agent had no information, just reading from a script.
10/25/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
CA
95815
Web
I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.
02/15/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TN
38356
Web
Servicemember
I have an account with ComenityXXXX XXXX XXXX A few months ago, I obtained a bill consolidation loan and paid them off. After that, I ignored all their correspondence because I had no need to contact them. I usually ignore all unknown callers because I get so many bogus call about car warranty, etc. On one day, I answered and it was Comenity Bank telling me that I owed {$140.00}. When I protested, they said that I had not included my late fee in the payoff so I had accrued more interest and late fees. On top of that, they are still charging me for XXXX insurance. I contacted the XXXX XXXX XXXX I waited for a letter from Comenity addressing my issue. Instead, I got another bill. They had now dropped the bill down to the original late fee and charges to {$45.00}. But, they added another late fee, interest and {$1.00} for insurance, for a total of {$89.00}. How can it be fair business practice to charge interesr and late fees on late fees. I might not have been as upset about the original late fee, saved myself grief and paid it. However, they did the same exact thing to my husband about three years ago. He paid it off, then they hounded him about an accumulation of late charges and fees til he finally paid them over {$200.00} to get them off his back. He died one year ago today so, of course, I can't ask him to get more details together for you.
I want this account to be wiped clean, taken off my credit report and closed once and for all.
12/27/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
CA
92646
Web
In XXXX of XXXX I went to the XXXX XXXX to buy my wife a car. I was informed by the car salesman that I was approved for a line of credit through Comenity Capital BankXXXX. The account was opened and I was under the impression it was set up on automatic payment. Once I found out that it wasn't being paid automatically, I made every effort to resolve the debt. I talked to an agent from Comenity in XX/XX/XXXX and set up a payment plan to XX/XX/XXXX out the debt. They took payments from my checking account on XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, and XX/XX/XXXX for {$100.00}. The agent had informed me once the final payment was received that they would remove this account from my credit report. They did not remove it and furthermore they sold the debt to a company called LP. I contacted LP and they told me they showed an outstanding balance of {$460.00}. I agreed to pay them if they removed it from my credit report. I payed {$460.00} to a company called XXXX XXXX on XX/XX/XXXX. This account is still on my report and I don't seem to be able to get any agency to remove it. I am a father of XXXX with a mortgage, car payment, and I am on XXXX. I am trying to refinance my home and this account on my credit report is making it impossible. I would never knowingly let an account get to this state. I am being responsible and making payments on time for all my other accounts. Please help in this matter. Your help is greatly appreciated.
08/24/2020
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
FL
33809
Web
I've been a card holder for over 3 years now. I've always had a {$1000.00} credit limit. I've asked multiple times for line increases that were never granted. I use my card about once a year and usually have no problem paying off the balance. This year Covid-19 has turned the word upside down and my annual purchase I haven't quite paid down as quickly as I normally would due to my business financially struggling. They reported 2 late payments to the credit bureau. I sent them a goodwill letter explaining my current hardship and ask that they remove the negative reporting to the credit bureau considering that we are in a global pandemic.
They sent me a letter XX/XX/2020 stating that they have changed my credit limit from {$1000.00} to {$300.00} due to a significant decrease in my credit score. I currently still have a balance on my credit card that is about {$310.00}, so not only did they decrease my credit limit out of nowhere, but they decreased it past the balance that its currently carrying so that I'm automatically over my limit. These actions are extremely antagonist in nature. A credit card company reporting an over the limit credit card balance can drop your score over 25 points. I've never had a late payment ever with this company and the year that the entire world is suffering economically and financially Comenity Capital Bank rewards me with a stab in the back and then rubs salt in the wound. This is absolutely unacceptable.
11/16/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NV
89130
Web
XX/XX/XXXX - requested & reviewed XXXX credit report utilizing XXXX XXXX XXXX XXXX On review, disputed entry regarding credit card account issued by Comenity Bank XXXX. I have never heard of, had phone conversation or other correspondence with this bank.
XX/XX/XXXX - message from XXXX with link to review results which shows the bank has verified the account is active - dispute rejected.
XXXX - received welcome letter & credit card from Comenity Bank for an account to be used at 'XXXX ' store. Again, I have no knowledge of, have never purchased from, or any other interaction with Comenity Bank, or XXXX. ( Please note this card was received more than 3 months after the credit report shows that it was opened ) XXXX - went on Comenity Website to request account be closed, and all reference to the account to be removed from my credit report. To date, there has been no reply from Comenity Bank.
To date, and to my knowledge, there has been no financial transactions, or liability. This appears to be a scam marketing campaign. I have not held a store credit card since I closed a XXXX card more than 25 years ago. I hold a combination of more than 5 XXXX, XXXX, and XXXX cards each with a minimum limit of {$15000.00}. Why would I want a card for XXXX with a limit of {$750.00}?
I want the reference to be removed from my credit report. The bank & XXXX should be given a strong warning, and or financial penalty regarding this type of marketing.
02/05/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Personal information incorrect
GA
30114
Web
Servicemember
Comenity Capital Bank XXXX XXXX Has a charge-off listed under my name on my Credit Report and this was reported as Identity theft. I never gave authorization for usage and when me and my seen this error on my report we contacted them to remove/ correct the error.
First they told me payments were being made so don't worry about. I told them I don't care if payments are being made It is not my account. This all started around XX/XX/XXXX.
Instead they asked me several questions that they did not have answers to on the phone and when I gave it to them they stated that the information that I provided to them they will now use it to indicate I was the user of the account Altough it is a charge off I am a XXXX XXXX Veteran and I take my credit seriously and this company should not be allowed to create undue stress and manipulate consumers.
XXXX XXXX- Has a collection on my Report for {$280.00} for XXXX and I have never used XXXX services. I have told them that this is IDentity Fraud and that this should not be reported as my account.
XXXX XXXX XXXX is falsely reporting that I had a collection for {$320.00}. I sold my House in KY in XXXX of XXXX and settled my outstanding balance with XXXX XXXX. The reprensentative at XXXX did not change the name or cut off the utility and I had to pay the debt. I paid it but it is appearing on my report as a collection which is NOT accurate.
Any assistance will be of great help. Thanks in advance!
06/27/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
AL
35810
Web
XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$250.00}, the amount they gave me to settle the XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
02/03/2021
Yes
Checking or savings account
Checking account
Managing an account
Problem using a debit or ATM card
AZ
85203
Web
Servicemember
I opened an account with Commenity Bank or A.K.A. XXXX XXXX around XX/XX/XXXX, In XX/XX/XXXX I was traveling throughout XXXX at the time and unfortunately I had lost my debit card on 2 separate occasions the first time in XXXX XXXX when I notified the bank of any transactions that were not mine. After 10 days the applied a provisional credit and then the second time unfortunately in XXXX, I had lost my card and at the time I had my phone stolen. I had been using my digital card a lot because I was traveling and I was trying to prevent any type of identity theft which is common in the areas I was traveling through.. I was contacted by XXXX because there was a numerous suspicious charges on my account. So I closed the card filed a dispute and in 10 days I received a provisional credit. Well in the end if XX/XX/XXXX I was notified they denied all my disputes and would be taking back all provisional credits they had provided me in the past. 4 times I contacted a XXXX XXXX to ask why they had changed there decision and they promised to send documentation as to why they were denied. Nothing has been received still as of XX/XX/XXXX, I asked if I could appeal this decision to all my disputes and I was told no that all decisions were final. They took back in total about {$1300.00}. Since then they closed my account I can not access statements and I am told that any funds left will be mailed to me but will not provided any further information.
08/31/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
PA
19106
Web
I have filed an FTC Identity Theft Report and Affidavit under penalty of perjury. I have sent notices to both XXXX XXXX XXXX XXXX with regard to this fraudulent debt. They are both on notice that this debt is the result of credit theft and is not mine. I have not paid a single bill late for over 12 years. I lived at XXXX XXXX XXXX XXXX, PA for over 10 years and then moved a year ago. When I checked my credit for a major purchase, I discovered false information including debts that are not mine. After some investigation I found that someone had gotten my information and was applying for credit at two addresses. I have never lived at ( XXXX XXXX XXXX XXXX PA XXXX or XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX In addition when I changed my Drivers License online to my new address ( XXXX XXXX XXXX XXXX XXXX XXXX ) I noticed that my drivers license address had been changed to the XXXX XXXX XXXX Address ( I never lived there ). I contacted the 3 major credit agencies and they removed some of the negative information but they have not removed the fake address or the fraudulent debt for XXXX XXXX XXXX. In addition I have now received a demand for payment from XXXX dated XX/XX/2020 for the same debt, stating that I now own them {$3800.00} and asking if I dispute this debt. This notice went to my previous address ( XXXX XXXX ) so, I did not get it until yesterday as I have been down with XXXX for the past three months. I am disputing XXXX claim today.
05/10/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CA
92504
Web
The WAYFAIR site offers the Comenity Bank Wayfair Card and an invitation to apply. The invitation clearly states that it will not affect the credit score negatively and that a preapproval would then advance to the actual card application. I filled out the preapproval form and WAS APPROVED for the Comenity Bank Wayfair Card. I was then notified on the pop up screen that further information was needed. My credit was indeed affected with a HARD INQUIRY by Comenity Bank.
I attempted to resolve the issue with Wayfair because they have the credit card application and invitation on their site. Wayfair blamed Comenity Bank and could not assist. Comenity Bank blamed Wayfair but it was Comenity Bank that did the hard inquiry without authorization or at the least deceptive invitation after the preapproval which is deceptive and then advances to the credit card application that does affect the credit rating. I have repeatedly asked Comenity Bank to remove the hard inquiry. I no longer want the credit card but do need the hard inquiry removed that was not authorized and was deceptively done after the preapproval assurance that there would be no affect on the credit rating. Wayfair allows the invitation for the card on their website which can only be used for Wayfair purchases and Comenity Bank is therefor advancing credit card applications on the site so both are responsible for the deceptive invitation that assures there will be no hard inquiry.
06/18/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
MD
21921
Web
XXXXXXXX XXXX opened a XXXX XXXX XXXX Mastercard credit card in our name without our authorization with Comenity. They charged our XXXX 's club annual renewal fee to the card. Since then my husband has tried three times to close the account. He paid the renewal fee on the phone and they told him they would close the account and remove all fees. Three months later we are still getting fees on the account. They tell us the account is closed. We have been cut off three times while trying to resolve this tonight. Then they told us they cant remove fees on a closed account. Now they are telling us that they will zero the account.
Initial charge happened in XXXX. Paid the XXXX XXXX XXXX annual renewal fee on XX/XX/19 online so we could close the account and we were charged a late fee on XX/XX/19 for {$27.00}. The 2nd call was on XX/XX/19 and XXXX employee # XXXX said she cleared all of the charges which were processed on XX/XX/19 {$2.00}, XX/XX/19 {$2.00}, XX/XX/19 {$4.00} & {$2.00}. New fees were put on the account on XX/XX/19 {$11.00} for late fees and XX/XX/19 minimum interest charges {$2.00}. Today we talked to XXXX # XXXX who initially said that he could not take fees off of a closed account. I did let him know we were filling a complaint. He then said he talked to his Leadership Team and they would take the fees off. We never authorized this card and it took 4 months of calling to resolve and now we wait to see if we get another bill.
03/04/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
MA
02302
Web
Hi CB/Victoria Secret Card XXXX I'm personally writing you here because i've tried every channel to resolve this plus i had paid off this account since XX/XX/2021. Why are there so many lates on my accounts during covid19? COVID19 and you still ruin your clients credit? Wasnt there a special accommodation set in place for this not to happen when I called? Listen, I was protected under Mr. Trump Cares Act and i've called you guys before to make proper accommodations because of the COVID19 pandemic.
Basically, I was reviewing my credit report and noticed a late payment reported on my credit report by your company. I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditors can not report payments as past due, and make proper accommodations to consumers.
Also, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and notice that you deducted the money out of my checking account on the month that you marked me late on my credit report.
06/27/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
AL
35810
Web
XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$220.00}, the amount they gave me to settle my XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
05/23/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
AL
35810
Web
XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$210.00}, the amount they gave me to settle my XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
10/27/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
KY
40272
Web
I had a credit card that was put into collections. After a time, I was able to make a payment plan with the collections company. I had tried to call the original company, but they had already sold my account. So I paid the balance in full plus some, to the collections company, and received a receipt of restitution that the account is paid in full. Since then, and this is going on 2 years now, every 6 months, i receive a bill from another collections agency stating that i owe the money again. I have to send them the receipt of restitution and then that company doesn't call back. Last year I had a law office that works for XXXX County contact me, and let me know that there was a law suit filed against me from XXXX XXXX ( the original creditor ) and i provided the receipt of restitution to the lawyer and the case was dismissed. I hadn't heard anything since the lawyer, but have received another letter in the mail today from a different collections agency stating that i owe what I have already paid. I sent them the receipt of restitution as well. But this just keeps happening over and over. This is harassment. I called XXXX XXXX ( the original creditor ) today and wanted to provide them the receipts of restitution as well, but they said my account is closed and they sold it to XXXX XXXX XXXX. They gave me a number to call and it was no longer in service. I need this to stop. Please help me. I have already paid my debt in full plus some.
01/11/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
NJ
08089
Web
In XX/XX/XXXX I called because I was experiencing a financial hardship and I was told I was put onto a 12 month hardship program with automatic payments. In XX/XX/XXXX I received a call saying there was an issue with the program and it never actually set up but they were taking the automatic payments anyway. I fought with them because of the late fees and interest and they weren't fixing it. I went to the XXXX XXXX XXXX and they finally got it fixed. I then received a call in XXXX of XXXX saying that they fixed my account and I was put onto the program " correctly '' this time and all was good. On XX/XX/XXXX I received a call saying that I missed XXXX 's payment and when I asked how if you're taking it automatically they told me the payments are never set up. I fought with them and then asked for a supervisor, waited a half hour to finally get one who then told me that I was talking to the wrong department and transferred me. Then I finally get somebody in the " correct '' department who kept repeating the same line over and kept interrupting me while I was trying to talk then mumbled something and hung up on me. When I called back somebody picked up, mumbled something then hung up. I had to call back AGAIN and finally got somebody, who again kept interrupting me and finally got me to their supervisor. It took a full hour to have this resolved and a lot of anger when this should have been done correctly in XXXX then again in XXXX.
02/26/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CO
80911
Web
Servicemember
During the XXXX of XX/XX/2020 I was unable to log into Website or app link and could not make my payment. I tried on numerous occasions to log into account to pay XXXX but kept getting log in access error which said " The information you entered does not match our records " followed by a link to " forgot username or password ''. Following the link leads to the account recovery page, after attempting to recover account i got the error which read " The information you entered does not match our records. Please confirm all information is accurate and try again ''. I went through these steps every few days for XXXX weeks until the issue was finally corrected and the account was accessible in early XXXX and Payment was made. Due to these issues with the account Comenity Capital Bank XXXX a 30 day late payment on my credit report then subsequently a few months later denied a request for credit increase due to my credit report showing a " late payment ''. Due to XXXX quarantine for exposure i was not able to go get a money order to pay this payment and the Failure of their website design, account access portals for multiple account types that are not linked to the same account is harmful for consumers like myself. Due to this failure my credit was and is negatively affected which has caused me to be denied for credit increases with XXXX current creditors and a Mortgage loan with all denials citing " recent late payment on credit report ''.
08/16/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
TX
75224
Web
Comenity Capital Bank did a universal fraudulent address change that I did not request in writing for 3 of my accounts they held. The XXXX XXXX with it's {$10000.00} line of credit I closed in XX/XX/2019 because of dealing with Comenity was stressful. I had a small balance which I broke up into 2 payments for XXXX and XXXX. An ex-employee took the back of the XXXX statement coupon and changed my XXXX, Texas address to a XXXX XXXX, Missouri. When they saw the handwriting did not match the check handwriting ( which I am the only authorized account user ) they still went ahead and changed one inactive and two active credit cards and didn't contact me. Nor did any alarms go off for Comenity when the week prior via phone I validated all passcodes to change my address to XXXX, Texas.
My XXXX statement went to Missouri. In XXXX, Comenity Bank calls me about XXXX past due then can't verify me because not just my address was changed but phone number and passcode. Finally, a supervisor pulls up the account previous validation. Now, XXXX Fraud Department is denying to send me a photocopy of the XXXX statement coupon so I can have a Civil case filed even though I send to their Clerk of Records a request in writing, a copy of driver license, and had an attorney call. They now say I must get a subpoena on my own account. Their obstruction is a blatant coverup their complicit action to assist in fraud. All the hoops is meant to deny me justice.
05/13/2019
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
CA
93291
Web
I have a credit card with XXXX XXXX department store. My credit limit was {$2200.00} dollars with only one late payment reported on my credit history with the credit card. In XXXX, I received no mailer ( although they said that they mailed one ) that my credit limit was being decreased. The decrease was not due to my credit history with XXXX XXXX, but with a recent pull of my credit report. XXXX XXXX reduced my credit limit to just {$14.00} above my balance. This limit would be me over my new credit limit once the interest posts ( about $ XXXXmonth ) for the current month. When I called, the representative told me that the credit reporting agency determines the credit limit. After talking to a supervisor, they said that it was due to information received from the credit reporting agency. My issues and questions are as follows : 1. Why would XXXX XXXX pull my credit report again after establishing credit with them?
2. They do not offer automatic payment options ( only one time early schedule ) which seems predatory because then they have a greater chance of missed payment and increased fees.
3. Because they decided to decrease my limit, they have made it look like I have maxed out my credit limit ( which damages my credit ) when they actually decided to decrease it by {$800.00} in less than a week before statement cutoff time. Prior to the decrease, I used 59 % of my credit limit, after the decrease, I am 99 % of my credit limit.
12/29/2016
Yes
Credit card
Credit card protection / Debt protection
MI
48089
Web
HI my name is XXXX XXXX. On XXXX XXXX, 2016 i received an email from XXXX XXXX stating that a new credit card account was added to my account, in which i have n't had any new ones opened in over a year. So i took the time to look at what it was talking about, and i found a Account for Victoria Secrets, I have NEVER had any account for them ever. I looked further into it and found that Comenity Bank added my Boyfriend XXXX ( Card/Account Holder ) Victoria Secret Account to my credit report, in which, i am not on the account in anyway besides that i am allowed to speak with them regarding the bill only. not allowed to do anything else with the card. They Added me as a Authorized user WITHOUT my permission and without my boyfriends permission. They got My SSN & my Address somehow WITHOUT my permission and used it ILLEGALLY to add and Account that is NOT mine in anyway to my credit report and i 've sent them a letter to remove it and said they ca n't because i am authorized on the account to SPEAK with them. ( I am only allowed to speak with them, I am NOT JOINT on the account in anyway either. Before i got my lawyer involved he told me i need to report this to FTC and the directed me to contact you guys. This needs to be taking care of, it has taken a very big toll on my credit score and i am very unhappy that i have to deal with something like this. Let alone what Comenity Bank has done to me is Illegal. Please contact me back ASAP.
10/11/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
FL
33137
Web
I went to use my card today and to my surprise my transaction was declined. I immediately contacted Comentity Bank and was placed on hold after giving them my informatio, so that they could look into this matter. After the rep came back, she asked me a few security questions and verified the answers, then proceeded to ask he to provide my drivers license p, social security card, and utility bill. I asked to speak with a supervisor at this point, shortly after being connected I mentioned that I had sent these documents in already and had them notarized. She placed me on hold to check and them came back and mentioned that the hold would be released. I then stated that I would send a copy of my lease agreement to show my new address, I was then told it had to be reviewed and she would follow up in a few hours. A couple hours go by and I received a call from a XXXX at extension XXXX asking me for resubmit all documents, drivers license, social security card and a bank statement. At this point this has been harassment and XXXX discrimination. This is my 3rd time having to submit these documents, they also conducted a hard pull on my file without my authorization or making me aware. I am truly tired of the XXXX discrimination this bank is conducting, it is wrong and needs to known. I have never been late on any payments and have stellar credit. Ive gone thru less scrutiny on much more important matters, this is completely unacceptable.
10/08/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
NY
12901
Web
On XX/XX/2018 at XXXX XXXX, I received a voice mail from XXXX XXXX stating that " I'm calling in regards to some personal information of yours that has now been submitted to me. It will be in your best interest to contact me with the name and number of your representing attorney. If you were not being represented by an attorney, I urge to to contact me directly today so we can discuss your situation in the options that are available to you. My phone number is XXXX extension is XXXX ''.
I called, and the lady was very rude. When I gave the information, she immediately put me on hold for 3 minutes. I told her that I was going through a debt-consolidation company, she said that she didn't work with that company. I had already been told that they did. She started arguing with me, and I hung up. She then proceeded to call my sister ( who I do not have a relationship with ) and then called my husband. With my husband, she discussed personal information with him. I understand that no one has the right to discuss my personal information with anyone unless I give them permission to do so. Which I did not. She had to have dug pretty deep to get my sister 's information-like I said, I do not have a relationship with her. XXXX, I don't even have her phone number.
I understand that I got into debt. I am working with someone to get out of debt. This harassment has got to stop, and I am hoping that you can do something about it.
Thank you
05/12/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
PA
19154
Web
I am on a hardship program with Comenity Bank for New York & Company credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and New York & Company has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. XXXX will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! XXXX XXXX XXXX or XXXX refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. XXXXn does not answer any calls for me to contact them.
12/17/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Overcharged for something you did purchase with the card
NY
11949
Web
On XX/XX/2018, I did a balance transfer for {$1400.00}, however ( XXXX ) debited me twice and started charging me interest on the mistaken debit, as if it were a purchase. I called them to dispute this and they agreed that there was an error on their part and would credit me the {$1400.00} plus any interest ( {$140.00} + two addition months @ {$20.00} ) charges ... which they did. However, they reversed the credit last month. I called back and spoke to a supervisor last week, who didn't understand why they would reverse the credit. He said he would email the person directly who reversed the credit and hopefully, within a week, I would see a permanent credit and the problem would be resolved. To date, I haven't received the credit and I feel I'm getting the " run around. '' This has been going on for about a year and I have been very patient.
Yesterday, I received a letter ( attached ), dated XX/XX/2018, saying that " After careful investigation, we have determined that you are not responsible for paying the disputed amount. This adjustment has been made to your account, including any related charges and/or fees, as applicable. '' Checked my account today and no credit is issued. I called today and was told that because they re-issued the dispute that it could take another 90 days, before things are resolved, despite them acknowledging that THEY made a mistake in a letter.
NOTE : I was told by a CFPB to refile this complaint.
08/24/2017
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MA
01432
Web
XXXX is the bank for XXXX XXXX.
I purchased a table on XXXX for XXXX, i have been making monthly payments, payments have not been applied to my account towards this item, I have made several payments, they are not being credited to my acct, the statement with the due date of XXXX, shows there was only XXXX was deducted from that item.
The other amount was charged on XXXX, started off at XXXX, only XXXX has been deducted so far. Payments made :XX/XX/XXXX{$30.00}, XXXX? ( {$30.00} XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX Total 2 amounts XXXX + XXXX XXXX - XXXX = XXXX XXXX was on my bill, payment due date XXXX/XXXX/XXXX. By XXXX XXXX, I had paid XXXX. My XXXX bill shows a balance of 800.00. They are not deducting my payments in a timely manner.
I was unable to get through to a customer service rep. I called at least 5x, XXXX XXXX, I then XXXX the XXXX of XXXX XXXX, I kept being transferred to a number that I was unable to speak to a rep.
There are 2 different amounts 0 % interest payable in 6 months. I asked that my payments be put towards the table, I paid XXXX on XXXX XXXX. It was not credited.
They are not subtracting my payments. U asked them to apply my payments towards the bill due by XXXX, they refuse and said they will only apply XXXX, towards the table, therefore I will not benefit from the 0 % inXXXX offered, instead a bait and switch and theft!
Acct number XXXX XXXX XXXX XXXX My number XXXX XXXX XXXX
02/09/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
IL
60422
Web
Servicemember
Hello, I reached out and spoke to a representive regarding my account. The account showed it went delinquent in XXXX XX/XX/XXXX. I spoke with a representative and explained what took place.
XXXX. Was hospitalized and did not know payments were not received.
XXXX. Government employee required to maintain a certain credit score.
The representative informed me she would put notes in the account and for me to write a letter and send the documents to XXXX XXXX XXXX, XXXX OH. XXXX and as a XXXX time courtsey they would delete these items for me so, I would not lose my job.
The customer service represenative did not uphold their end, after contacting XXXX again, I was told their was no way a person could have told me that. I asked for an email address and I was told there was not XXXX. I was advised to mail in anything I have to the XXXX Ohio address.
As of XX/XX/XXXX, I was terminated from my job for failure to maintain the credit score requirement. I ended up filing a lawsuit against my former employer. We are in discussion and they have agreed because of my outstanding record to allow me to be rehired, but this account must be either removed totally or deleted.
My attorney has sent documentation and reached out to Comenity for help with an attempt to resolve this. XXXX representatives hung up after telling the attorney the only thing she could do was send the documents again. The case is back before the judge XX/XX/XXXX
01/04/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
FL
34756
Web
I made a purchase on my Forever 21 credit card. I then immediately told the sales clerk I wanted to pay that balance off with my debit card, which she then ran for me. This was a Friday evening. However, when receiving my Foever 21 bill, it showed the payment was never applied to my Forever 21 credit card. It was however deducted on my bank statement which I immediately checked. I informed Comenty bank ( Forever 21 ) that the payment had been made at the same register immediately following the purchase and I sent them a copy of my bank statement. They, However are wanting me to send the payment receipt which I no longer have ( and not even sure I received ) or retrieve a electronic transmittal inquiry form from my bank. My bank is saying my statement is my transmittal form which shows the amount paid to Forever 21 and has all the information they need ( including the transmittal number ). It has been a big back and forth for over 2 months now and now comenity has said they have reported derogatory information on me to the credit bureau even though we have filed a dispute which has not been resolved yet and I have sent all the necessary information regarding the payment. This is a nightmare and Im not paying them again when I have proof of the payment on my bank statement. Im not sure if the clerk at Forever 21 didnt make the payment correctly or what happened, but the money has been taken from my account and Forever 21 has it.
11/13/2017
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MI
48178
Web
Comenity - XXXX XXXX credit card does not have the option to set up reoccurring payments which is very inconvienent. You have to go online each month and setup the payment. Unfortunately I was dealing with an ailing family member and was preoccupied for months until they passed and forgot to set up my payments. I have gone online for several months even years and paid on time. This is the only creditor I have that does n't have an option for reoccurring and you ca n't set up the next one until after your payment is made. I received a phone message and was horrified that I forgot to set up that payment so I immediately setup a payment to make it current then I set up another one after that one got paid for the next due. Called the company the very next day was transfereed to customer relations and they told me to write a letter and fax it or mail it asking for forgiveness and if they can fix the late reporting to my credit report. I received a letter dated XXXX XXXX, 2017 stating they reviewed my file and ca n't make any adjustments to my credit reporting. Bottom line you should be able to set up any online account to have reoccurring payments so you do n't make the mistake of not setting it up every month. Even XXXX who has interest free promotions like XXXX XXXX allows you to set up reoccurring payments. It seems companies that wo n't want you to mess up so you end up paying all the interest ... which to me is very deceptive.
11/06/2016
Yes
Credit card
Credit determination
VA
20165
Web
XX/XX/XXXX I applied online for a XXXX credit card so that I could finance equipment. I received a letter from Comenity Capital Bank stating that they declined because I am XXXX years of age. XXXXHowever, I am in fact XXXX years of age. The letter of declination that I received did not notify of where they received this information, and when I contacted XXXX by telephone they refused to tell me where they received such information.
XX/XX/2016 I received a letter from the IRS indicating that someone had fraudulently used my SSN to file fraudulent tax return. I explained this to XXXX and they still would not inform as to where they received the information regarding my date of birth.
Then 2 weeks ago I made a purchase on the very same XXXX website using a well established Credit Card. After 24 hours I received an email from XXXX canceling my order. They are now refusing to do business with me. I called but was treated rudely by someone in Sales who refused to escalate my call to someone with more authority and more access. He instead did the same as hang up on me when he transferred me against my instruction. The next person opened a case for me stating that someone would be calling me with 24 hours or thereabouts.
I have not heard from them in over a week. They have fraudulent information regarding my identification, they will not inform as to where they received such information and they are refusing to do business with me.
05/18/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
FL
32210
Web
My original credit balance should have been {$210.00} as of XX/XX/XXXX and whatever additional charges added after. I made multiple gift card purchases back in XX/XX/XXXX and none of them were issued a balance except for 1 giftcard, which is why I have {$210.00} balance. I have been disputing this case for over a year and I have refused to make payments until the balance was corrected. Of course covid happened and I did end up missing payments when the balance was corrected back in XX/XX/XXXX to {$170.00} and some change. By XXXX of XXXX I was charged for the gift cards again. I did dispute the charges once again, this time I wrote a letter, the emails and phone calls were useless. XX/XX/XXXX billing statement show some corrections made but I am being billed {$630.00} + fees and interest which puts me at {$790.00} as of XX/XX/XXXX. That's not correct. {$210.00} plus whatever late fees for the {$210.00} is what I owe. If the balance of {$790.00} is fair I would like to know what gift cards were funded because only one gift card was funded for either {$200.00} or {$250.00}, the remaining gift cards were not. I did make a payment on the balance. The bill of almost {$800.00} does not make any sense for a gift card of {$250.00} or less. I would like the billing correction to be made or have the gift card they are billing me for funded. I am not paying for a gift card that never had a fund. I would like the billed amount corrected.
09/27/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
NY
11801
Web
Servicemember
On XX/XX/2019 I went to XXXX to change and pay for my membership fee. I was told to contact the credit company associated with XXXX ( XXXX Mastercard from XXXX XXXX ) to link up the XXXX card with the credit card. I spoke to a representative from the credit card company and told her to link up the cards. Instead she activated the two cards that were coming through the mail and deactivated the cards I had with me. She insisted on doing this and created a problem with me and my Wife 's card. Now I had no cards to use and was furious with this. I called back to fix the issue instead it created more problems that I wanted. The supervisor tried to reactivated the card that was deactivated and that didn't work. Now instead of getting two cards that were activated in the mail I got one good and the other not working. So again I had to call and get another set of cards sent to me and was told when I activate these two one will work and the other won't work. So I listened to the supervisor and the card that was working stop working and the one he told me to cut up would have worked but I listened to him and got me all screwed up. Now I have one card working mine and my wife 's not working. I waiting for another set of cards that should have come today according to the representative. I complained so much that I sick over this. I was compensated {$20.00} which I find an insult to my intelligence. They will not budge on a resolution.
01/11/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
OH
43732
Web
XXXXComenity -- -In XXXX, XXXX changed their credit card company from Comenity to XXXX XXXX My XXXX card could no longer be used, but I continued to pay monthly including monthly interest. On XXXX XXXX XXXX, I paid off the current balance ( with a representative to ensure I was paying CURRENT balance ), in full. I asked the account be closed & I cut up the card. On XXXX XXXX, I receive a bill stating balance is {$30.00} due XX/XX/XXXX. I call Comenity & question how I can owe further interest when account was paid in full & closed on XXXX ( plus account was made inactive by Comenity in XXXX when they changed their credit card company ( must have changed contracts ).. They stated it was " reisdual interest ''. How can this be when they charge interest monthly on the balance & it is added to that monthly payment. I feel they are trying to charge compound interest ( daily ) PLUS accrued interest. Comenity would not waive the {$30.00} interest fee when I contacted them, telling me " there's nothing we can do ''. I have had the same problem with XXXX XXXX accounts I paid off, too ( XXXX XXXX, XXXX XXXX, etc ) but XXXX waived their " residual interest '' charges. Please help. as I am a XXXX XXXX on a limited income. comenity also claimed this was a new policy " residual interest '' placed in effect a couple months ago. How can they change MY agreement ( contract I signed when credit card was opened without offering me any options?
02/07/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
TX
78727
Web
I started my comenitybank/victoriasecretpink card acount for four years and set up an automatic payment service to avoid late payment. However, last XX/XX/XXXX I started to receive text message which says " we keep missing you, call comenity bank @ phone number or log on the website. '' Since it's not convenient to call, I clicked the website and try to log in with my SSN, and the page turned to 404 not found. I thought it's a scam so I stopped after several attempt. Then I kept receiving text message and email with the same content, every time I tried to log in, it shows 404 not found and I feel confirmed that it's fraud so I didn't care.
This month, I realized that my purchase in XX/XX/XXXX haven't show up in my checking account, so I log in through Victoria 's Secret official site and it showed I have two missed payments ( XX/XX/XXXX and XX/XX/XXXX ) and my credit report has been badly affected by this late payment. I failed to apply for another credit card for this reason. Eventually, I paid for the balance as well as the fine, but I don't think it's my fault since their website kept bugged out. And the late/missed payment record in my credit report is not a correct description.
I have been a credit card user for almost six years and never missed any payment, there is no way I missed this small amount payment on purpose. And I don't think it make sense to lower my credit score because of the bank 's technique issues.
11/17/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
PA
15216
Web
I pay my bills off fully as they come via online banking. I thought online bill pay took a day or two to clear. I didnt realize that that a payment could be mailed and could take five days to process. So in XXXX I paid my bill on XX/XX/XXXX. Not due until XX/XX/XXXX. It did not post until the XXXX. They are charging me a late fee. After reading the bank policies, I see that I could take five days. That still should post on the XXXX, not the XXXX.
My original complaint was over my XXXX bill. I paid it on the XXXX thinking it was it was online, not mailed. It was due on the XXXX. They are saying they didnt receive it until the XXXX. When I complained to the XXXX XXXX XXXX I got this letter, with a completely different date structure. But if this is really the late payment, I was even earlier on this payment and it should have cleared with two days to go.
Im arguing the original late payment and the ones that compounded while I fought the first. I dont know why its taking them so long to process a payment but I shouldnt be charged since I didnt realize that it was online bill paying. But even more so because the five days check window is clearly a processing issue on their end. And I should never have paid the {$37.00} in XXXX because it was a late fee that I didnt pay attention to and it was incorrectly paid. So ultimately I should be refunded {$37.00}. I did owe the penny as I see that I missed it in the XXXX payment.
10/01/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Overcharged for something you did purchase with the card
AZ
85119
Web
XX/XX/2019 i walked into XXXX of XXXX XXXX for a estimate. i was given two. for two different procedures. filled out papers for " payment plan '' no follow up or appointment were made, that was the end of that.XX/XX/XXXX i received a credit card XXXX XXXX XXXX. i called XXXX office and they said to go ahead and activate it. i scheduled an appointment that day for XX/XX/XXXX to get my XXXX XXXX for {$790.00} which was one of the estimates from the XX/XX/XXXX visit. before my XX/XX/XXXX appointment i activated the card and set it up for on line use. so when i looked at the statement online there was a charge of {$2500.00} for " merchandise '' from the XXXX office, and paid by comenity bank, which posted on XX/XX/2019? without ever doing any work the XXXX office already paid themselves! i contacted the bank and they said they will fix it. i informed them that i was going to get my XXXX XXXX that day and the estimate was for {$790.00}. and after the procedure i was handed a receipt for {$790.00}. which happened to be the same paper as the estimate. anyhow after months of going back and forth between the XXXX and the bank they did adjust the balance. still for a {$790.00} for work that they actually did do i still had a balance of over {$1000.00}. the statement from the XXXX is so redacted only a charge for {$2500.00} for " merchandise '' is all you see. the receipt was for {$790.00} what was the over charge for?
04/30/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
CO
80902
Web
Servicemember
Today, XX/XX/20, I received a notice from XXXX XXXX that one of my accounts had been closed, however, I have not closed any accounts recently. Upon review of my credit report I discovered that my Victoria Secret account had been closed by the bank, Comenity, without any communication with me. I tried to call the bank to resolve the issue thinking it was just an error, however, when I called the message I received was " Thank you for calling. Our records show that your account has a zero balance and is closed. If you are calling to ask about reopening your account we are not able to reopen an account that has been closed by the bank. You are welcome to reapply. We are sorry for the inconvenience. Take care. '' Like many other credit users of Comenity I was never late, paid on time, and had a zero balance due to no need to use at this time. Being a responsible card holder and not using credit I didn't need to use or have budgeted to use at this time meant that 2 of my accounts were recently closed. What is the point of being a responsible credit user if I am going to get penalized for NOT using it when I didn't need to. Apparently these banks are looking for people who can't afford to use them and do. Despicable and shameful! They say they are here for Americans and Veterans during the COVID-19 pandemic but really they are just trying to use it as an excuse to line your pockets with irresponsible spending habits. Disgusting!
10/06/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
NC
27540
Web
I got declined on a purchase using the XXXX comenity card on XX/XX/19. Tried calling the customer service account protection ( XXXX ). The representative who answered were asking all sorts of questions which i answered to the best of my knowledge. it came to a point where they were collecting lot of information that i started o doubt if it is legitimate call center. I asked to speak to the supervisor, to whom i spoke ( XXXX ). i said it is not fair that you need more information than the once you needed, and asked him how many questions i need to get answered to get the card unblocked. He replied he makes the rules and either answer or it will remain blocked. I declined to answer any more security questions that was asked. He hung up the phone.
Here is the lsit of questions that were asked and answered.
Name Card number my age last 4 of SSN address last purchase made at XXXX?
amount?
last balance i paid on the account my credit limit ( i wasn't sure about this but i said i can look it up ) if i had a XXXX what model and year my drivers license issued which county, date of expiriy on drivers license.
after having answered all this, the representative and supervisor XXXX still determined it was not sufficient. I told them i am not convenient answering these questions anymore, with all the scam phone calls happening now.
I believe I have a legitimate complaint, that this is sufficient data to get the card unblocked.
02/07/2022
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
SC
29316
Web
On Sunday XX/XX/2022 Comenity Bank contacted my mother and a place of employment, which I have not been associated with in over a year. They left a message on the voicemail at the previous employers and also on my mother 's cell phone. They left private information like my name and that they are attempting to collect a debt. I made a payment on this debt this month, and plan to continue to make payments. I was about 3 months late, but the payment was made and cleared on Monday, XX/XX/2022. I have had issues with this company in the past contacting family members regarding my account and I have already filed one complaint, and they are now doing it again. They are also contacting previous employers of mine. This is ridiculous. They should not be calling family member or employers and leaving personal messages on voicemails. Apparently this is something that Comenity Bank is known for and they clearly do not care if complaints are made against them because they continue to practice these unethical debt collections. I made a payment of {$100.00} this month, so there is no reason for them to be calling. They have only tried to reach out to me once, which was yesterday, about this debt. They did not even give a chance for me to call them before they started calling family members and past employers. Also, calling places of business on a weekend and leaving voicemails regarding my personal business is a violation of my privacy.
01/10/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
GA
30906
Web
I am filing a complaint against Comenity CapitalXXXX XXXX due to incorrect reporting on my credit report. I opened an account in store with this creditor in XX/XX/XXXX. I made my first payment on XX/XX/XXXX with my checking acct but due to previous fraud issues with my bank, XXXX returned the payment. During the dispute process with the credit bureau agencies, I provided a copy of the bank statement showing where the payment was made and I also called the creditor and explained what happened but my concerns were disregarded and I was told that there was nothing that they could do. However, the late fee of {$29.00} was waived on XX/XX/XXXX, XXXX.I disputed the account as incorrect reporting information a total of 2 times, first time the result came back as {$3.00} past due as of XX/XX/XXXX ; second time the results came back as being updated as another 30 days past due ( XX/XX/XXXX ) which is incorrect. How am I past due for XX/XX/XXXX when my bill is not due until XX/XX/XXXX? Upon finding out these results, I contacted the creditor on XX/XX/XXXX only for my concerns to be disregarded a second time and was told they are not showing that the acct is past due for XXXX and that my account would be notated. I am in the process of purchasing my first home and this is hindering me from being able to do so. I am asking that the creditor would update and furnish the credit reporting agencies with the correct reporting information.
07/16/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
FL
33411
Web
This Wayfair credit card does not have an auto payment option as almost all other credit cards. I have called multiple times regarding this concern, I have auto pay scheduled for all my other credit cards to avoid late payment. Not sure why such basic feature is not available.
This credit card account is shut down all of a sudden due to Co- branded relationships ended. Meaning customers can no longer make purchases through Wayfair. But I understood my obligation of continuing making payment. Which I did, but always struggle with the payment system. I started scheduling recurring payment to Wayfair through my banks bill pay feature, since XX/XX/2021. However, Wayfair claimed they have never received any checks from my bank. When I tried to reach out, all they tell me is to dispute by writing. If they can not even receive checks, how do I believe they will receive my letter?
Now they have reported late payment to all credit bureaus, I have scheduled all the payments through my bank as an auto payment. But for some reason, they were never received. The broken payment system has played a huge role. I, as a customer of their credit card, simply need a auto payment feature that all other credit cards have.
I do not have any late payment in any other cards because they ALL have an auto pay.
I have called multiple times, no one was willing to help with anything, even during the covid 19 pandemic, they provided zero support.
09/04/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OH
45212
Web
Older American
In XXXX I ordered apparel on-line from XXXX XXXX. I received the three like items which were defective and notified the retail store. They had requirements to meet to issue a credit which I fulfilled. When I received a bill from Comenity I phoned immediately and advised them that the items were being returned and a credit issue, therefore I would not be making the payment. They noted the account.
In XXXX I received another bill for the purchase amount, interest and a late fee of {$33.00}. I phoned again and their response was, " That's not our problem. '' Finally XXXX XXXX issued the credit and I paid the shipping and sales tax which they had not included, but I just wanted it done so I paid it.
The next month I received another bill showing the credit and my payment, but continuing to accrue late fees and interest. I phoned again and they said, " We don't care what they did. We'll continue to charge you until you pay it. '' When I said, " But you are charging me for nothing '' they said, " And we will continue until it reaches an amount that makes it an amount to send to collections. '' The Late Fee went from {$33.00} the first month, {$38.00} the second month, {$39.00} the fourth month, and they are adding interest each month. My last bill was {$230.00} for NOTHING! They are also reporting monthly to credit institutions which is lowering my credit score drastically. I phoned them again and they said they didn't care.
04/17/2018
Yes
Debt collection
I do not know
Communication tactics
Frequent or repeated calls
TX
75438
Web
I have been receiving REPEATED calls from different numbers from the same company, each time I blocked the number, they would call from a different number for roughly the last 10 days now 3 or 4 calls a day, no messages were left until last night @ XXXX. I received a lengthy message for someone that does not reside at my house.
The lady on the message stated that if the customer ( by name ) did not return her call by XXXX this day she would assume that they were ignoring their repeated attempts to contact them and would seek the 'NEXT STEPS '. I still have the message saved in my voice mail.
I called the number XXXX XXXX left in the message and explained that I did not appreciate the repeated calls to my number with NO MESSAGES left, That her message was the one and only I had received and the person she was looking for does not even live at this address and her message was in Violation of the Fair Debt Collection Practices and XXXX Privacy Notice. She said she was sorry but this was the number provided, I stated maybe she should have verified the number or verified who she was speaking with before she left all the information on my VM.
That if anyone had left a message prior to her, I would have called sooner and let them know that who they were looking did not live here. I told her to remove my number from her records, that I do not have any business or accounts with them and I would be filing a complaint with FTC.
07/17/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
GA
30041
Web
Opened account with Victoria Secret in XX/XX/XXXX .
Received first statement XX/XX/XXXX with late fee attached Purchase was {$130.00} added interest {$2.00} and late fee {$25.00} for a total of {$160.00} This was my first statement since the purchase. Contacted credit card company, spoke with agent who confirmed my mailing address and stated fees would be waived, but it would take a few cycles to appear on my statement. I paid the {$130.00} immediately following and did not make another purchase using that credit card. Interest and late fees then accumulated and by XX/XX/XXXX a statement total was {$230.00} all an accumulation of late charges and fees. Spoke with a manager who researched back on all statements. Manager stater that these fees were carried over in error. She then waived only {$100.00} in fees and asked that I make a payment of the remaining balance of {$130.00} immediately. I admit that I should have been more vigilant about checking my statements but I trusted that they were removing those fees from the first statement as promised. I now have negative late reports on my credit report that could have been avoided if they had not mishandled this credit account. I contacted them as specified by letter to work with me on the credit report and remove the late filings as these were all the result of late fees and interest on top of late fees and interest which trickled down. They would not take any action.
07/21/2021
Yes
Debt collection
I do not know
Communication tactics
Frequent or repeated calls
OR
97035
Web
Since at least as of XX/XX/2021, I have been receiving calls at my cell ( XXXX ) from Comentiy Capital Bank for a XXXX XXXX debt owed to them from XXXX XXXX. ( Background : This woman is my father 's ex-wife and they divorced when I was a minor in XXXX and I haven't spoken to her in over 20 yrs ). My voicemail identifies me by my first and last name so the caller will know who they are trying to reach when they get my voicemail.
I first received calls from a XXXX and a XXXX area code, as early as XXXX XXXX ( PT ). I have voicemails from them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By XX/XX/XXXX the calls began to come from a XXXX area code ( primarily XXXX and XXXX ). The calls are increasing and the most recent message, left on XX/XX/XXXX at XXXX ( PT ) by a Mrs. XXXX (? ) from XXXX, used my name in the greeting saying they are trying to reach " XXXX XXXX XXXX ''. This number had previously called me on XX/XX/XXXX at XXXX ( PT ) and also called again on XX/XX/XXXX at XXXX ( PT ). On XX/XX/XXXX at XXXX ( PT ) Mrs. XXXX called again from the XXXX number and I answered and informed her this was not the number of XXXX XXXX , I had been repeatedly called by this number, and to take my number off their list.
My understanding is that a creditor may only contact a 3rd party for a debtor 's debt once. I have at least 8 documented attempts of them contacting me for Ms. XXXX 's debt. They have also contacted me before XXXX.
09/13/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
FL
33981
Web
Older American
We made a purchase at XXXX XXXX using their Comenity Bank credit card, interest free for 12 months. We were told that if we make all the payments according to their billing, the purchase will be payed off in it's entirety, incurring no fees or interest. We did exactly that. With no notices or warning, they conveniently made their last payment due 2 weeks after the 12 month contract would expire. We have already overpaid our purchase to them by {$50.00}, plus another {$16.00} in interest they sneaked in our payments. They now want an additional {$590.00}. in interest and fees. We have spoken to their customer service representatives on XX/XX/2020, and even to the Floor Supervisor XXXX, his operator ID being XXXX, and were told that they couldn't do anything at this time, that's the way it goes. We are hard working honest people, and would've given them the extra {$180.00} if we were instructed to do so per our billing contract. He also told me that they have a warning statement that the loan is coming due, but this is in their website that you have to log onto, click around, and hopefully locate. Nothing was sent saying anything of this sort to my " Paperless Billing Email ''. All that my email said was that the amount due was {$200.00}, this not including the {$180.00} that would've paid this account in full, actually overpaid by {$66.00}. This is my Dilemma. XXXX ( XXXX XXXX ) has exhausted their abilities to help us.
05/19/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
MT
59105
Web
I had a credit card with Comenity Capital Bank ; XXXX XXXX XXXX ; XXXX , Oh XXXX ; and charged one item for {$19.00} in XXXX , XXXX . I paid the bill in full five day s ahead of the due date. The sent me a statement saying that it was late and charged {$39.00} in late fees. i XXXX I wrote them a letter stating that I did not think this was fair as I sent the money timely. I asked that they cancel the late fee and close the account. About a month later I got a letter stating that they closed the account and then later another statement showing another late fee charged. I have written them three times over the past nine months. The first time in XXXX XXXX ; the second i sent a certified letter on XXXX XXXX , XXXX and then again more recently on XXXX XXXX , XXXX . On XXXX XXXX , XXXX I returned a very rude telephone message that I received from a XXXX demanding that I pay the then bill of {$190.00} ( all in late fees ). She called my office number which I did not authorize. I told her not to call me on this number again as I am not allowed to make personal calls and offered her {$20.00} to end the whole thing. She refused and threatened to refer me to their legal representative and insinuated they would damage my credit score.
At this time they are charging over {$200.00} in late fees all on a one tim e purchase of less that {$20.00}. I think this predatory and ridiculous.
12/02/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
95765
Web
Servicemember
XX/XX/2019 On XX/XX/2019 I spoke with a representative from Victoria 's Secret regarding my account. I asked what the full balance on my account was and how much I needed to pay in order to pay it off in full. I was told {$220.00}. I paid {$220.00}. Then in XX/XX/XXXX I was checking all of my credit cards and discovered that a fee had been charged to this same credit card by Victoria 's Secret. I called and spoke with a Supervisor XXXX ID : XXXX and advised that I had already paid my account in full and I explained that in XX/XX/XXXX there was a problem with their website which would not allow my original payment to process therefore I made a duplicate payment over the phone with a representative and paid the account in full. XXXX stated that the payment that would not process online due to their website issue was what I was being charged for and that if I didn't pay by XXXX XXXX he would see to it that it was put on my credit. I asked for a different supervisor and for paper statements to be sent out showing this false charge. XXXX said " Print them yourself! '' and hung up on me. I now find that there is a total of {$54.00} owing on this account and this is the SECOND time that I have been extorted by Victoria 's Secret/Commenity Bank who serves as the extorter. I would like these charges reversed and my account to show a XXXX balance as it should. I also want any derogatory information placed on my credit removed.
01/25/2019
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
CA
91702
Web
XXXX XXXX has been attempting to contact me for a debt owed on my XXXX XXXX credit card for the past few weeks. However, they have been calling up to 7 times a day from an Unknown number, and have never left a message to identify themselves. On some days, they have called so many times in a row in such a short time, my phone has been allowing it to break through my Do Not Disturb mode as an emergency call. I work unusual hours, so they've been interrupting my sleep on several occasions.
I only know it is them, because I have picked up the 'Unknown ' call on two occasions. Once, I hung up because nobody came on the line. The other time, I said that I would call back at a better time. Due to their frequent calls, I decided instead to collect logs and report them for their violations.
Dates/times, per my phone logs : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX - Spoke to someone at this time, said I would call them back.
XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX Also, a note : Even after speaking to someone at XXXX on XX/XX/XXXX and telling them I would call back, they proceeded to call 4 more times that day.
03/04/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
CA
94591
Web
Hello, This is about my credit at XXXX XXXX XXXX. I open this account on XX/XX/XXXX for the XXXX of my XXXX year old son that time who's XXXX XXXX needs to be corrected. That time I really couldn't afford the expenses, they said I have to pay over {$3000.00} to correct his teeth and it would be better to do it while he's still young. They said I can open an account which I can pay interest free for two years, which I agreed. I made every effort to pay this account for 2 years and on XX/XX/XXXX, I received a statement with just a balance of {$200.00}, I made a payment of {$100.00} and on XX/XX/XXXX, made another payment of {$100.00}, I mislooked the XXXX cents. The following statement with the closing date of XX/XX/XXXX- my new balance went up to {$710.00}. They added {$710.00} as " interest charged ''. I was so surprised and called the bank but they said I missed the deadline of the plan expiry date which is XX/XX/XXXX, they said it's a differed interest rate and once I missed the expiry date, all the interest for 2 years will be added to my account. I was really mad, my account has a very low balance and I made it sure that I pay on time and I can finish it on the deadline. I called them XX/XX/XXXX and they said they could't do anything but I have to pay all the interest rate. My balance is just supposed to be only XXXXc which I just mislooked. Please help me, this is a big burden on my family 's finances. Thank you!
11/21/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
32250
Web
I was one of their customers who was affected by Hurricane Irma. XXXX XXXX did assist us by removing the amounts due and waiving some fees, which I was extremely grateful. Now, as we move bank into the fold of things, my XXXX 's XXXX is having some issues and when I called and spoke to XXXX, she advised that she would send the matter to her manager. It has been a week later and the problem still exists.
I found our that XXXX removed the XX/XX/XXXX and XX/XX/XXXX 's payments that were due and credit reporting would cease during this time. No fees would be assessed. I would receive statements saying nothing was due and the ones that showed due, would not needed to be paid. I got this information from other representatives I spoke to with other XXXX store cards.
I got a statement showing {$27.00} was due on XXXX XXXX, 2017. I did n't think anything of it because the website showed XXXX due the entire time. I began to worry when I started getting emails that my account was past due. It showed {$0.00} past due and to pay that amount. It made no sense. I finally got a chance to call and XXXX said that yes, I should n't have received them, etc etc.
I am still getting notices and the website has a disclaimer at the bottom advising ; Alert : If you 're facing financial challenges, may be able to help. Please call our Customer Care team at XXXX. Again, it shows nothing due. I have screen shots and statements of everything.
03/10/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
TX
76259
Web
This account was opened for 18 months and I have always paid the amount due even if had to pay 2 months at a time, due to my pay at work. I paid the account down a large amount in XXXX. I made my final payment in XXXX. I then was slapped with over XXXX in interest after paying off the account.
The irony is the one person I have been able to talk to me says I was 7 days too late in paying off the account so I was penalized. The other irony is I called multiple times during the account payment time last year 2018 and asked for this account to be put on revolving credit because I was told when I made this purchase I could make this change at a later time if needed. I was completely ignored and no one would allow this to occur.
This company will not let me speak to anyone about this matter and I have called several times. I need this removed because this is fraud. I paid the amount off and was not late. I need this reviewed. I do not even have the same account number this statement is reflecting. I was sold this under XXXX and then someone else bought my account and changed the terms and will not talk to me. NEVER do business with XXXX or XXXX XXXX because they are FRAUDULENT and will ruin your credit. I bought a large diamond for my wife and she has a large credit account with XXXX, but due to the horrible time we have had dealing with this company we will never do business there again. Great jewelry, horrible banking.
02/17/2018
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
FL
32703
Web
Received a call about XXXX and XXXX XXXX Credit card account being past due. I was willing to may a payment for the min amount due which did not know at the time so I asked the collector. He said the XXXX XXXX card was XXXX and the XXXX card was XXXX. He I should round up both amounts to just make it even. It was tight but I did it. This was about XXXX XXXX on XX/XX/2018 from phone number XXXX ( XXXX ) XXXX. Later that night I went online to check and make sure the payments are correct. Well I seen the payments were there but when I checked my statements I was surprised to see that my payments were {$45.00} not {$67.00} and {$72.00} not {$99.00}. I tried to cancel both payments because I could have used the money else were. I just wanted to make the min. I tried to cancel multiple times and couldnt because it was after XXXX. I was very upset at this point and that is when I decided to call customer service. The agent tried to help me but end up having to ask a supervisor. After waiting 20 min he returned and said he talked to the supervisor and the supervisor said that they will attempt to revise the amounts. I feel I was mislead. I asked to put a compliment in because giving me the wrong amount is not right and I feel like I was taken advantage of. I can only imagine if it was so easy to mislead me then this has to be an issue. The agent said that he knows it was a collector. I dont know if I should contact a lawyer.
02/16/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Incorrect information on your report
Account status incorrect
CA
91730
Web
I applied for a Comenity Bank issued credit card, XXXX Visa while purchasing makeup at XXXX on XX/XX/2020. This company is listed on my credit report as XXXX XXXX Due to Covid-19 hitting in early XXXX, the mail was slightly behind and I did not receive my actual credit card and first bill until XXXX XXXX, 2020. I paid the bill immediately upon receipt on XX/XX/XXXX. The first bill said that it was due on XX/XX/XXXX. A late fee of {$29.00} was assigned to the account on XX/XX/XXXX, which was 27 days after the card was issued. I called in to dispute the late fee. The company representative assured me it would be removed and would not be a problem on my credit report. However, I later noticed that the late fee was not removed and I decided to close my account and did so. When I called in to make my final payment, the representative convinced me to keep the card open, acknowledged their mistake, and assured me that the late fee would be removed and it would not go on my credit report. This time, the late fee was removed and I thought all was well until I recently obtained a copy of my credit report and saw that Comenity Bank had listed my account as 30 days past due for XXXX of 2020. This bank promised me on multiple occasions that since my mail was late due to Covid-19 that this would not go on my credit report. They have already acknowledged this by removing the late fee. This is simply a mistake that needs correction.
07/24/2020
Yes
Payday loan, title loan, or personal loan
Installment loan
Problem when making payments
OH
45840
Web
I got a loan for my XXXX procedure. I got the loan in XX/XX/XXXX. They never sent me any paperwork with loan id # or any statements. In XX/XX/XXXX I contacted them concerning the loan. This is when I found out they would not talk to me about the loan nor take payment because I did not have the loan number. I explained that the loan number was never given to me and I am not getting any statements. I asked for a Statement to be emailed to me. They informed me that they will NOT email a copy of a statement. I tried to pay them over the phone, again they said NO they will not accept money over the phone when I do not have the loan number. I will say that last month, when I called, the rules once again were different and they allowed me to make a payment over the phone, which I have proof of via my bank however, I was never sent a receipt for this transaction from Comenity Capitol Bank ( hoping it would contain my loan number! ) Then I find out that the credit given for the loan was XXXX, which was what I knew they were paying the XXXX, it was actually XXXX they paid and now are charging over limit fees as well as late fees. This was not the money requested from them! I'm absolutely stuck and can not get any information about this loan they have given me. They are without a doubt a predatory lending practice. When reading XXXX complaints this is a repeated issue. How this company is being allowed to do this is beyond me.
05/23/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
KS
66007
Web
Started a Credit Card through XXXX XXXX with XXXX XXXX. Set up automatic payment with my checking account. XXXX XXXX sold the account to Comenity on or about XXXX of XXXX. XXXX XXXX did not send information regarding automatic payment to Comenity and I was not informed of the change in ownership for the account until I received a late payment notification on or about XX/XX/XXXX from Comenity. I call comenity and requested full payment of my outstanding balance on XX/XX/XXXX and I made the stated payment of XXXX on that date. I received this date XX/XX/XXXX notification of 2 late payment statements on credit report from Comenity and a balance remaining of XXXX. Comenity was called and stated the late payment was assessed at XXXX XXXX XXXX XXXX on XX/XX/XXXX after my phone call. They stated they would be unable to remove this late fee and will not be able to remove the incorrect late payment notification from my credit report. I paid my account by automatic debit from my checking account, was not informed of the change from XXXX XXXX to Comenity, paid my account in full as soon as I was informed, now have a late fee remaining on my account which was assessed after my full payment and have two negative reports on my credit. I believe I have acted in good faith in the situation and believe that comenity should wave the late fee assessed after my payment in full and remove the negative statements from my credit report
09/01/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
AZ
85120
Web
I made a purchase with XXXX, but instead of using my card it asked if I wanted 6 months free interest with XXXX so I went ahead and paid with XXXX. Out of the blue about 6 months later I get a bill for almost {$800.00} on my credit card. At the time I was not paying attention, I just paid bills off. It dawned on me I hadnt bought anything with XXXX so I called and talked with them and the girl I was speaking with said she would get me a supervisor, right after she reports a dispute, supervisor comes on and recognizes the mistake that has been made and refunds me my money, ( this is 3 months later ) not like me saying I need to take that payment back. But they never removed the dispute, so I get a bill in the mail a few months later saying I have missed a payment I have late charges and now Im calling again speaking with the fraud department who acknowledges that this definitely needs to be removed, but they need to send me to the right people to fix it. So now Im talking to a girl who said after 2 hours of them listening to my recorded phone calls, that she is going to get it fixed and will call me the following week, that was 2 weeks ago. And yes I have received another bill and late charges and reporting to the credit bureau! I have sent them all the proof that XXXX paid this bill, even had a couple returns where XXXX would refund them some money! They arent fixing it, they dont care and they are ruining my credit!
07/22/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
91767
Web
On XXXX XXXX, 2017 I charged {$510.00} onto my account.I made my first payment in the amount of {$150.00}, on XXXX XXXX, 2017. After being handed a late fee my remaining balance was {$540.00}, i was then charged a finance charge in the amount of {$12.00} and then credited {$12.00}, which left me with a remaining balance of {$390.00}. On XXXX XXXX2017 I made a payment in the amount of {$390.00}. I was assured by the customer service representative that my balance was completely paid off. To be clear, all payments were made over the phone with a live customer service representative. On XXXX XXXX, 2017 I came to the realization that I was being charged {$84.00} in late fees, an amount I i paid immediately to avoid any further fees, but by this point it was too late and I was red flagged on my credit report which spiked my credit score to an abysmal XXXX. Although i am not disputing the fees, I do feel cheated, since i was given false information by the company when I was told that my account was paid off. When i contacted the company after learning of the dramatic change in my credit score, the only help they offered was a {$30.00} credit on my account, which i refused since i have a balance of {$0.00} anyways and those {$30.00} would not improve my credit score. i am not looking for any financial compensation i am simply seeking for help restoring my credit score since their false information lead to its dramatic fall.
11/04/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
MO
63011
Web
Older American
Comenity Bank arranges deferred interest accounts on purchases and presents them as interest free if you pay off before the end of the promotion period. I used this to purchase my XXXX XXXX on XX/XX/XXXX. This was a 12 month offer. As you can see from the statement I was down to a {$8.00} balance on the XXXX statement. For some reason which I can not remember now I did not make the XX/XX/XXXX payment. When I received my next statement I noticed the payment was not made and the balance had increased to {$17.00}. The statement said on the third line of the statement and at the bottom on the return stub the payment was due on XX/XX/XXXX. This is the usual place consumers look for due dates.
Comenity Bank does 2 things which is deceptive to the consumer. The end of the promotion is before the due date on the statement. As you can see on this statement the promotion period ended 12 months from date of purchase so you do get 12 months of free interest. But most consumers will look at the date the payment is due as that is the more normal and expected way we do credit cards. This is a trap set up by Comenity and they don't care. I talked to several people and all they would say is '' the charge is legitimate '' I told them I would make a complaint and that did not bother them at all. I even paid the balance shown on the statement {$17.00} that says payment due by XX/XX/XXXX on XX/XX/XXXX and they still would not change.
02/03/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
FL
33549
Web
In the peak of XXXX, while I was in the hospital, I had fallen behind on payments with Comenity bank. I made a payment to get caught up. What I was never told was that my card had already been cancelled. My card had expired and I called to order a new one, I was told my account was no longer active.
I have also pointed out to them that they are reporting my account incorrectly, and therefore, should be removed per FCRA regulations. On the attachments, you will see that Comenity Bank actually removed all positive payment history except for the two months in the middle of COVID. You will also notice I went from no payment history, to 90 days late in XXXX XXXX, to 60 days late in XXXX.
The removal of positive payment history and only showing negative payments are not helping. Also, you can not go from not late to 90 days late. Furthermore, the deception I received when paying the card caused my date of first delinquency to get reset.
At one point, Comenity was also reporting negative payments, collections at the same time as XXXX, which is also a FCRA violation.
Finally, XXXX XXXX, whom Comenity sold my debt to during COVID, I have a payment agreement in place with, and I will be done with that arrangement in XXXX ( Just a payment due this month and XXXX left ).
With all of this information, I would request that Comenity remove this tradeline from reporting agencies due to the numerous factors listed above.
08/05/2020
Yes
Debt collection
Credit card debt
Communication tactics
You told them to stop contacting you, but they keep trying
CT
06040
Web
Servicemember
Since XX/XX/2020, Comenity Bank has repeated called and harassed about a debt they are claiming is owed, that is not.
During the start of the pandemic, the bank also started using COVID as their reasoning for calling, claiming they would offer extended programs so I could repay the debt and then openly berating me for refusing to pay.
Today, the company resorted to calling my mother, whom I have not lived with in decades, to get in contact with me, despite having my phone number on record.
When I contacted them again and told them YET AGAIN to stop harassing me, the agent got aggressive and started arguing with me, claiming that their harassing tactics were not a violation of the FDCPA. When I asked where they got my mothers number, a number that I didn't even know myself, the agent respond with " we have ways to find this information ''. BECAUSE IT'S APPARENTLY NECESSARY AND ACCEPTABLE TO CONTACT MY XXXX YEAR OLD MOTHER ABOUT A {$200.00} DEBT.
As I said before, this business is refusing to work with me over this debt, that is essentially late fees tacked on late fees, that are not owed to them, while threatening to ruin my credit if I don't pay, and contacting family members to reach me.
These tactics are a clear violation of the FDCPA and this company needs to be dealt with, as their agent even admitted that their methods are their standard practice.
Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
07/08/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
10032
Web
I have these accounts that does not belong to me and i want them to be remove from my credit report.
XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX XXXX
Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXX XXXX
Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX Account Number : XXXX This is not mine.
07/14/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
FL
32081
Web
Comenity Bank continues to violate the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( Credit CARD Act ), LAW : Pub. L. No. 111-24, 123 Stat. 1734, codified in relevant part to 15 U.S.C. 1601-1667f, 1681 et seq. and 1693 et seq.
Comenity falsely tells consumers they have set-up a schedule for payment, but does not tell the consumer the schedule requires the consumer to log-in to the Comenity website, and manually transfer the money. This can be noted by Comenity 's transfers not showing ACH ( bank statement enclosed, no risk as this account is closed ).
The inaccuracy of Comenity 's wording regarding payments leads to an absorbent amount of late fees from consumers throughout the US, as captured in online reviews. Note : XXXX XXXX XXXX.
Comenity also falsely reports, 'we report what occurred '. My claim specifically addresses the lack of clarity in setting up 'Scheduled Payments ', which was discussed with a Comenity Customer Service Supervisor in XXXX / XX/XX/XXXX, whereby the Supervisor confirmed the late payment would not be reflected on my credit. If calls are recorded, Comenity will have record of this call, which did in fact occur.
Comenity did not practice fair consumer credit management, falsely confirmed in the set-up process on their website that the payment would be scheduled which is in fact not the case as a scheduled payment would not require manual transfer of monies.
04/30/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
CO
80902
Web
Servicemember
Today I received a notice from XXXX XXXX that one of my accounts had been closed, however, I have not closed any accounts recently. Upon review of my credit report I discovered that my Lane Bryant account had been closed by the bank, Comenity, without any communication with me. I tried to call the bank to resolve the issue thinking it was just an error, however, when I called the message I received was " Thank you for calling. Our records show that your account has a XXXX balance and is closed. If you are calling to ask about reopening your account we are not able to reopen an account that has been closed by the bank. You are welcome to reapply. We are sorry for the inconvenience. Take care. '' Like many other credit users of Comenity I was never late, paid on time, and had a XXXX balance due to no need to use at this time. Being a responsible card holder and not using credit I didn't need to use or have budgeted to use at this time meant that 2 of my accounts were recently closed. What is the point of being a responsible credit user if I am going to get penalized for NOT using it when I didn't need to. Apparently these banks are looking for people who can't afford to use them and do. Despicable and shameful! They say they are here for Americans and Veterans during the COVID-19 pandemic but really they are just trying to use it as an excuse to line your pockets with irresponsible spending habits. Disgusting!
06/10/2019
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
PA
18332
Web
Comenity Bank has punished me and my family by freezing all my accounts. I can't make any purchases anything. I was having some financial difficulties after I lost my job and instead of this bank understanding my situation they were calling me about 5 to 6 times daily demanding for payment. I got up to the point that they were calling me at XXXX XXXX and late at about XXXX XXXX. I couldn't believe what was happening and they kept apologizing for it and I told them that I do understand why the frequent calls. I also told them that I know they need to collect their money, but calling me on an everyday basis and that frequent wasn't going to help me generate income. I told them to stop calling me so frequent.
I wrote a letter letting them know that I recently lost my job and that I was looking for work and for them to stop making so many frequent calls because it was psychologically affecting me and my family. I couldn't believe what was going on and because I express how I felt and told them to please have some consideration and as retaliation Comenity Bank ordered his employee to freeze all of my credit lines because I told them to stop calling me so frequent. I have not been able to do any purchases in a period of two months because of their retaliation against me. I want to know if this is ok because I have recently made payments and found employment. Can you please help me recovered my credit lines, please.
02/12/2018
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
IN
46268
Web
Hello, I have been harassed for multiple years due to a previous XXXX XXXX XXXX Credit Card account via XXXX XXXX, closed in XXXX. I have submitted multiple BBB complaints, as collections agencies stating they are working on behalf of XXXX XXXX XXXX have harassed not only myself but many others regarding this issue.
- XX/XX/XXXX: Paid remaining balance on card. Paperwork discarded after 7 years ( XX/XX/XXXX) - XX/XX/XXXX: Account recorded as closed ( according to recent calls ). In XXXX, I was told the account was marked as closed in XXXX. ( Since I discarded all records, I personally can not confirm this information. ) - XX/XX/XXXX : Began receiving collections calls. Settled debt due to no record of payoff. Kept record of settlement. Collection agencies harassed myself, my sister, a former college roommate, my ex-husband, and my ex-husband 's first wife. Possibly others that I do not know about.
- XX/XX/XXXX : Harassing calls continued to myself and others mentioned previously ; complaint filed with BBB, FDIC, and CFPB ( Case number XXXX ) - XX/XX/XXXX : Harassing calls to myself began again from multiple collections agencies.
I am currently on long-term XXXX due to XXXX. The additional stress of receiving harassing calls is impacting my mental health. I will be forced to file a lawsuit against Victoria 's Secret and XXXX XXXX if I ever receive another call regarding this matter.
Thank you, XXXX XXXX
01/10/2020
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
NC
28202
Web
i opened a new card with a {$300.00} limit on XX/XX/XXXX inside the store. I made a purchase that day for {$99.00}. Once I received the card in the mail, I set up my account online and paid the entire balance of {$99.00} off on their site. I made this payment by checking account on XXXX and it posted XXXX. I paid it off because i'm trying to avoid interest and annual fees. I made another purchase on XXXX for {$120.00} and paid the balance in full on XXXX. On XXXX i went into the store and made a return for {$40.00} and tried to make another purchase for {$110.00} and my card was declined. On the site, it shows my available credit to be {$200.00}. The clerk in the store also pulled up my account and showed available credit of {$200.00}. She called their service desk, the guy asked to speak to me on the phone. I was told that i could not use my card whenever there is a payment pending, and it could take XXXX business days before a payment fully clears. So, anytime i make a payment, it could be as small as {$5.00}, they will block my whole card until the payment clears, no matter how much available credit i have. I called customer service today, XX/XX/XXXX. I spoke to XXXX and then escalated to XXXX, XXXX ID XXXX, located in XXXX XXXX. They told me the same thing. Anytime i make a payment, they will block my card for XXXX days. This makes absolutely no sense and is not fair business practice or fair credit act.
01/25/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
KY
41102
Web
I have a credit card with Lane Bryant through Comenity bank.
I paid my bill off in full on XX/XX/XXXX. My payment wasnt due until XX/XX/XXXX. But on XX/XX/XXXX they charged me a {$2.00} finance charge. I know its just {$2.00} but if they are doing it to me then they are doing it to other people as well and that adds up.
I tried talking to them about it but they keep repeating themselves saying : Based on recent change-in-terms regarding the " grace period '' for finance charges that went into effect on your account on XX/XX/XXXX, this finance charge is valid.
Per this change : '' We will charge interest on your account if the balance is not paid off in full by the billing due date. In other words, if you don't pay off the full balance by the due date, we will charge your account interest on any balance carried over, plus any new purchases made, starting the day the purchase posts. '' I PAID MY BALANCE IN FULL WELL BEFORE THE DUE DATE. Im attaching a screenshot of my transactions since a XXXX. You will see that I was a few days late in XXXX so I doubled my payment to cover the minimum due plus the late fee of {$35.00}. After that all my payments were made before or a couple weeks before the due dates. I have never had a credit card company charge me finance charges on a zero balance, so this doesnt make any sense to me how this could be valid. My payment was due on XX/XX/XXXX and I paid it on XX/XX/XXXX.
06/17/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CA
92111
Web
I have a Wayfair store credit card through Commenity Bank. They do not offer auto payment like every other credit account that I have and as a result, I have accumulated several {$35.00} late chargers and it may affect my credit score. I have emailed them twice and they tell me not to worry, it won't be reported on my credit report but that it is my responsibility to ensure that I pay my bill on time and that they do not offer auto payment as an option. This is pure and a simple a manner for this company to prey upon their busiest of customers and extract additional revenue from them. Additionally, they only allow you to schedule up to 2 future payments at a time, forcing you to either remember or set reminders to come back and arrange for future payments at least every 60 days. I find this unacceptable and would expect that there has to be a law to prevent credit card companies from preying upon their customers in such a manner as it is 2020 and we live in the age of digital technology where everything is done online and can be set up to be done automatically. If there is not a law outlawing this practice, then there should be and I would respectfully ask who to contact to raise my concern and ask that a protective law be considered by legislation. This is particularly concerning because they are preying on some of their most vulnerable of customers during a global pandemic and record breaking unemployment.
08/20/2019
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
TX
79924
Web
Servicemember
On Saturday XX/XX/XXXX I went to Victoria’s Secret and was approach by a sales associate. She informed me of special deals they were having and had asked me if I had an angels credit card with their store. I replied that I did previously have one but was not sure if it was still active. She then asked if I wanted to open a new card, which I replied “no”. She then kept hounding me to open one but I repeatedly told her I did not want to new one, that I preferred to pay cash for my purchases. I did say that I wanted to see if my old card was active, which she then informed me that she could look up my existing card with my name and social as well as my date of birth. At no point did she say that she was opening up a new card. I made it very clear to her that I did not want another credit card and she opened one up under false pretenses and did not inform that she applied for me. She then stated that I had a $XXXX credit limit, she did not say that this was a new limit as she implied that this was my existing credit limit from the card that I had originally opened around XX/XX/XXXX-XX/XX/XXXX. Today, which is XX/XX/XXXX I spoke to the store manager who confirmed that the only people that can check to see if you have an open card are the associates that work behind the cash registers and not those that walk around with their XXXX, which is what the associate who committed the fraudulent account opening was using.
06/12/2017
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
MN
55016
Web
I received a call at XXXX on my way to work on a past due XXXX credit card that was issued through Comenity Bank and of course that upset as I was driving to work. so in haste I told them that the XXXX account was included in a chapter XXXX bankruptcy. so they noted that on the account. I went to use my XXXX account also issued through Comenity Bank and was told that the account ca n't be used because I was in a bankruptcy and once they hear the word bankruptcy they no longer allow charges. I was informed by my attorney as long as I kept making payments on the cards I used be able to use them and they are telling me something different. Comenity statement that once they hear the word bankruptcy they cut off access to using the accounts is not accurate as all my comenity accounts were opened when I was in a chapter XXXX. This includes XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 's and XXXX XXXX. I would like access to use these accounts or if they are not going to allow them stop sending statements and write it off as bad debt. they are quick to cut off access to borrower from using card but still send statements and still hit borrowers with late fees. you ca n't have both the borrower paying the card ( whether it 's late or not ) and late fees but not give them any advantage to paying them off. I owe this company a total of less than {$400.00} and have paid on the cards even after the bankruptcy
11/12/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
LA
70359
Web
Victoria Secrete ( Comenity Bank ) is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX. After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, Victoria 's Secrete closed my account. When I tried to call and dispute the late payment status with Victorias Secrete, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a XXXX balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on 3 different occasions. On Monday XX/XX/2020, I spoke with a rep from Victorias Secret who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for Victoria Secrete to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )
11/14/2018
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
MO
63116
Web
XXXX XXXX is a collection agency out of XXXX VA. XXXX XXXX has been attempting to collect a debt in the amount of XXXX under account number XXXX since XXXX.
In XXXX, I obtained a credit card from XXXX XXXX XXXX, who used the original creditor is identified as XXXX XXXX as their credit card service. However, XXXX XXXX has XXXX XXXX XXXX listed as an original creditor for the same {$440.00} and are attempting to collect with XXXX XXXX XXXX as an original creditor. XXXX XXXX is also currently reporting to all 3 credit bureaus using XXXX XXXX XXXX as the original creditor with account number XXXX. On my credit report, XXXX XXXX is the original creditor and is also the creditor that i have made payments to. The account number for XXXX XXXX is XXXX. The last update to the original account with XXXX XXXX was on XX/XX/XXXX.
The debt through XXXX XXXX XXXX is not my debt.
Furthermore, it should be noted that the original amount of the debt was {$450.00} when XXXX XXXX obtained possession of the debt in XXXX. However, {$9.00} was paid on the debt that did not come from me in an attempt to keep said debt active.
Attached, you will find the page of my credit report stating the original company was XXXX XXXX.
It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX encourages XXXX XXXX to practice practice accuracy.
07/06/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Old information reappears or never goes away
DE
19805
Web
Older American
I have sent to this company, 3 times in 3 different ways to request a " Goodwill Adjustment ''.
1. Sent to Alliance Data, CEO XXXX XXXX ( manages Comenity Bank 's data ) via email 2. Sent in " secure message '' on the XXXX XXXX website XXXX XXXX is serviced by Comenity Bank 3. Sent to XXXX XXXX XXXX, CEO of XXXX XXXX.
4. Replied to XXXX XXXX, Compliance Dept at Alliance I believe - she responded to XXXX XXXX 's letter.
There are 2 late markers on my credit report from Comenity bank XXXX XXXX. I have asked - no begged for a " goodwill adjustment '' to have them removed, bc it was really due to no fault of mine. It was a Postal service error that caused the lateness. They are are refusing to help me out. I'm not even sure they've really read my letters bc some of the responses make no sense in reply to my letters. I really shouldn't have to be punished for a Post Office mistake ( please see attached letter ( s ). The letters that are not uploaded are the ones that I sent in secure message on the XXXX XXXX website and to Alliance Data via email. With all that's happening in this world today I don't understand why they can't be a little more empathetic for ONLY 2 late markers.
Btw. In 2014 I had 9 late markers due to divorce and household income decrease with XXXX XXXX much larger company ). I sent them the same request and they removed all nine late markers. Why is Comenity being so stubborn for just 2?
12/08/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MN
55118
Web
Older American
On XX/XX/2020 I bought 4 bras under a buy one get one free promotion. I received a total of 8 bras eventually. However, only 3 of these 8 bras were the style I ordered. I decided to return the 5 bras that were not the style I wanted or ordered. The order for the 3 bras was {$40.00}, {$40.00} and {$28.00} for a total of {$100.00}.
I have been paying {$35.00} on the bill since XX/XX/2020 XXXX for 4 months ) 4x {$35.00} = {$140.00}.
Comenity, however, claims I still owe them {$69.00}. According to them, they gave me a {$36.00} credit on XX/XX/2020, but this does not correspond with the original order. Then on XX/XX/2020 they charged me a late fee of {$35.00}. I asked them to remove this late fee.
This does not make sense. I have three bras, one should have been free, and I should have been only charged for 2 at the price of {$40.00} each for a total of {$81.00}. Instead, I've been paying {$35.00} a month for the last 4 months which totals {$140.00}, and they are still claiming I owe them {$69.00}.
They owe me {$58.00} and my other free bra per the promotion.
When I talked with Customer service many times, they said I sent in all 5 bras have been accounted.
Comenity is over charging me, and I don't understand why.
My frequent communications with XXXX/Comenity have not resolved this issue.
I'm attaching 3 documents 1 ) original credit card order 2 ) my first letter to XXXX 's 3 ) XXXX 's response
09/22/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
MI
48430
Web
An attempt to make payment for the month of XX/XX/2019 was unsuccessful due to inability to access account with regular credentials after countless tries. I was without cell phone reception on and off for days due to travel. I was finally able to gain access to account after making a password change. When I saw the remaining balance .... it was my immediate reaction to pay the entirety of the remaining balance. Mostly to avoid anymore account accessing issues. Very frustrating. I was elated to have the account in good standing and finally closed. Until ... I received emails months later stating I had a balance. Unable to gain access to the account to resolve issue financially, I called. Over the phone I explained why payments werent made. We settled the issue with the agreement I would pay {$89.00} as a final payment. I have received a receipt for transaction. This receipt contains NO indication that this account is now closed.
I had no way of knowing if this account had gone to collections or not. As both comenity XXXX XXXX and XXXX XXXX patient solutions sent me updated information about my account and payments via email since the establishment of this account.
I was unable to make my first payment without calling. I was then directed to a website that was not indicated on my statement. Comenity.netXXXX From which I made an account and began making payments monthly.
I received this loan for dental
12/06/2019
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
NY
11951
Web
Comenity Capital Bank, a division of Alliance Data ( NYSE : ADS ) is willfully and intentionally violating the Consumer Protection Act. They have left a minimum of 3 voicemails to my daughter 's father ( me ), mother, and mother-in-law regarding a collection effort. They are NOT seeking information about how to contact my daughter, as allowed. They have been leaving her voicemail messages and by her outgoing greeting they know they are reaching her.
They are contacting extended family all in separate households and states with the explicit intent of causing embarrassment, believing this gives them leverage in their efforts. This is a low-life company deliberately violating US policy.
" Hi XXXX, my name is XXXX with Comenity Capital Bank. This message is intended for XXXX XXXX. I'm calling in regards to Children 's Place. We've made several attempts to reach XXXX regarding this matter, and I do need a return call today. My direct phone number is XXXX. And my extension is XXXX. XXXX if you could pass my information along that would be greatly appreciated again, my direct phone number is XXXX. My extension is XXXX '' This is out of bounds for what they are allowed and these out-of-bound messages are deliberate, intentional, and illegal. They are simply the worst collections policies and practices I've seen in my entire life. Shame on the soulless people that choose to work there and use these tactics.
11/11/2017
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
PA
19096
Web
Older American
I was called at about XXXX XXXX today, XXXX/XXXX/XXXX, regarding a XXXX XXXX account issued by Comenity Bank. I told the phone rep that I was woken from a dead sleep, confused, did n't understand what she was saying, and asked to be called again in an hour. She refused.
Looking on their web site later, it appears that the bank alleges I paid the balance of {$57.00} in full on XX/XX/XXXX, four days after the late fee date of XX/XX/XXXX. My memory is of paying the full amount, in person, at the store. So there should not be a continual series of escalating late fees. I 'm not making a legal argument, but from a common sense viewpoint this is usury.
I believe I did make a compromise offer on the phone this morning, as did the telephone representative, but we did reach agreement on an amount. And this was after I had said I was tired and confused and did not understand. So even though I stated, on a recorded call, my compromise offer, I do n't think that should be the starting point for any future negotiation. Instead, the bank should apologize for waking me and close my account as of when I paid the then-communicated-to-me full balance of {$57.00}, since I have made no further charges.
I asked the phone rep to close my account this morning. The rep refused on grounds that they wanted to continue to add to the late fees. After the call, we went on the web site and confirmed the account is still open.
10/03/2017
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
CO
80920
Web
I have contacted XXXX XXXX XXXX XXXX about a debt from Comenity Capital Bank about a merchant debt that they say I owe to XXXX. It appears that this company Portfolio has purchased the debt but I have entered into no legal binding contractual agreement with them and they are harassing for {$400.00} and I DO NOT OWE Them this.
I have asked them several times to supply me the written SIGNED contractual agreement with them and XXXX showing my signature on any agreement and they WILL not or CAN NOT supply me with that. They simply send me copies of bills or statements and this does not constitute any kind of validation of this debt being mine. Statements and Bills do not show proof of ownership. They recently sent me a letter stating that I do not have a right to challenge their stance and that any written letter to them will be ignored and considered answered already. The burden of proof is on them to show that I am the legal owner of this account that they purchased. Unfortunately they are a XXXX part collection agency that purchase the debt from XXXX but that does not legally give them the right to try to collect from me as I HAVE NO CONTRACT with them. I am DEMANDING proof of ownership, and the only way to show that is to show my signature on an agreement between me and XXXX. SIMPLY sending me copies of bills or statements does not prove your position that the account is mine and that I owe this debt.
09/17/2021
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Getting a line of credit
AR
72405
Web
During an " owners workshop '' meeting at a XXXX XXXX in XXXX XXXX, NV, the XXXX sales person opened a Comenity Vacation club credit account in my name without prior discussion or approval. We were unaware of this until after returning home and receiving the bill for {$30000.00} in the mail. Upon calling, I was told that I was past the 10 day limit to recent this purchase. I had struggled for over a year to pay the $ XXXX monthly payment. The card also came with a 20 % interest rate. I was finally able to get Comenity to place me on a hardship program due to loosing my job during the pandemic, which lowered my payments to $ XXXX monthly and 0 interest for 5 years. After many failed attempts ( and over {$20000.00} gone from my savings ) to get XXXX to cancel this membership, I formally began a dispute process with both XXXX and Comenity. I received a letter from Comenity stating that I have successfully completed the special Vacation club credit long term program and my account would remain permanently closed and reflected as paid in full on my credit report. I also received two bills showing a balance of - {$8000.00}. When I called Comenity to inquire about a refund of the balance shown, I was told that the letter w as sent by mistake and that I have a balance of {$21000.00} to be paid on the account. I am still on formal dispute with XXXX for their deceptive, fraudulent, and aggressive sales tactics.
07/25/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
11563
Web
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.
02/20/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Privacy issues
WV
24740
Web
I received a letter from Cominety Bank about my Meijer Credit card dating XX/XX/2020 I sent the information to them, I received a 2nd notice on XX/XX/2020 saying my account was closed, This card has no expiration Date or a 3 digit code on the back. I was asked to send my private information to the company? My ID/Drivers license front & back ; Social Security Card front & back ; My Bank Account Front, I did not include the back of my Social Security Card because I thought it was not needed for this. I became upset my Wife in Michgan had Permission to use the card. They Flagged her card for Fruad. She has been treated unfair in this matter when she was using her card at a Meijer store she was asked for a expiration date I can get a copy of this card for you to look at. i have never been late or never missed a payment. Never the less MY Private Information is now in their Position I do Not see Why They would want the back of the card seeing it has no information on it. Their policy says the will and would never ask for this kind of information to me it is a scam. They now have my private information in that companies Fruad Department! I do Not Want An APOLOGY OR EVEN A CONTACT LETTER OF ANT KIND I WILL CONSIDER THAT HARASSMENT. they never gave me time to send the rest of the information to them and i called them many times over this issue not one time did they ask for this information until 2 weeks ago.
02/14/2019
Yes
Debt collection
Credit card debt
Communication tactics
You told them to stop contacting you, but they keep trying
GA
30135
Web
Servicemember
XXXX XXXX XXXX has been continuously trying to contact me for a bill that I do not owe. I have asked them not to contact me about the bill anymore because the bill is to be paid by XXXX XXXX XXXX who charged services that I did not receive from XXXX XXXX. When I informed XXXX XXXX XXXX that they need to remove the charges from the XXXX XXXX card they did not and kept prolonging the removal of the charges. Initially, I began paying the bill each month for approximately 2 or 3 months, so that it would not affect my credit due to late payments and such. However, because they did not remove the charges from the XXXX XXXX card immediately I stopped paying and informed them several times that they need to contact XXXX XXXX about the correction that should have never been applied to the card. After several months XXXX XXXX spoke with XXXX XXXX who only replaced approximately 80 % of the original amount. And, as stated above, I had paid them several payments in which I did not owe. XXXX XXXX is holding me responsible for the charges that I did not incur. XXXX XXXX continues to call me on the phone, send letters and contacting family members which does not live in my household. Collection agents are calling family members lying to them about why they are calling the family member stating that I used the family member as references. I have informed the collection agency to stop calling and would report them.
07/25/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
TX
75287
Web
I have disputed this account entry with both the credit bureaus and XXXX XXXX XXXX as they are reporting this as XXXX XXXX on my XXXX report. In XX/XX/XXXX, I noticed that XXXX XXXX ( XXXX XXXX XXXX ) had placed an inaccurate entry on my credit reports. To that end, I disputed the entry with the bureaus and their response yielded the account was verified. I then submitted my entry to XXXX XXXX XXXX addressed as XXXX XXXX in my letter dated XX/XX/XXXX and XX/XX/XXXX since this is the reporting that XXXX is doing. This is inaccurate and misleading. XXXX should be reporting as the reporting agency. To date, I have not received any correspondence from XXXX XXXX regarding my dispute. See attached documentation that reflects the company indeed received my dispute, yet failed to respond.
XXXX XXXX XXXX ( XXXX XXXX ) reports no payment history on my report, which is yet another inaccuracy. If an account was opened and they are stating it is a collection account, it should have payment history. VIOLATION AND I WANT THIS ENTRY DELETED IMMEDIATELY!! THERE IS NO VERACITY IN THE INACCURATE REPORTING OF THIS ENTRY!!
It is evident that XXXX XXXX XXXX ( XXXX XXXX ) is blatantly violating my consumer rights by reporting an entry on my reports that but yet fail to provide validation of the entries. My rights under the FCRA and FDCPA are violated ; thus, this entry must be deleted from my credit report immediately.
11/01/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
94597
Web
Older American
Company is XXXXXXXX. Received bill for {$92.00} which I paid in full by mailing check on XX/XX/XXXX. I went into the local Post Office to mail check. It was due XX/XX/XXXX. Received another bill from them last night, XX/XX/XXXX, for late fees in the amount of {$29.00}. Late fee of {$27.00} posted on XX/XX/XXXX and {$2.00} Minimum Charge posted on XX/XX/XXXX. Phoned them this morning. They claim that all mail is opened and processed as soon as they get it and they recommend people send payment at least 7-10 days before due. I thought this was what I was doing and was shocked to see late fees applied. I went on a consumer fraud forum last night on line and saw many other complaints about this bank ... XXXX. There were many complaints about late fees added similar to mine. On my bill, they posted my payment on XX/XX/XXXX ... ..how convenient ... ... one day after it was due. XX/XX/XXXX was a Sunday and the day after was XXXX XXXX and a Post Office holiday, BUT ... even if letter did not leave the Post Office until Tuesday, XX/XX/XXXX ... ... they should have gotten it by XX/XX/XXXX ... nine days later. XXXX XXXX runs a scam ... .they make millions on fraudulent late fees! I went in to pay the fraudulent charge to local XXXX XXXX this morning. They were surprised fees were not waived by my phone call. Only made payment because XXXX threatens to report to Credit Bureaus. Thus ... .XXXX owes me {$29.00}.
01/03/2017
Yes
Credit card
Transaction issue
FL
32765
Web
Pay Pal Credit switched an XXXX transaction without notifying me at the time of the transaction to Pay Pal Debit. I did not have the amount needed in my bank account to cover the purchase. Now my Pay Pal account is in a negative balance when I had believed my purchase on XXXX would be processed as Pay Pal Credit. I purchased several items at the same time believing they all were part of the Pay Pal Credit 's same as cash 6 month promotion but days later I learned that XXXX item was not included. When I called to ask them to change the transaction to a credit purchase they declined to take that action, saying that I was notified of the transaction being a debit purchase at the time of the purchase. I asked for the purchase screen or written documentation of this notification to me and any advanced notice of this business practice by Pay Pal but I was told to visit the legal section of Pal Pal 's website. I was not notified properly during the transaction regardless of any terms and conditions in the legal section of Pay Pal 's website .Apparently they told me that if a seller on XXXX does not accept Pay Pal Credit payments then I would have been notified. But since Pay Pal could not produce any written documentation that I understood this, this business practice is not fair and is deceptive in my opinion. I would not have made the purchase of the item if I had know it was not covered by Pay Pal credit.
07/19/2021
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
FL
33406
Web
Older American
In XXXX of XXXX, I signed a contract with XXXX XXXX for payment of my granddaughter to attend XXXX XXXX XXXX in XXXX XXXX, Florida. Comity Capital Bank ( Acct. No : XXXX ) was the servicing agent for XXXX XXXX. Due to Covid-19, XXXX XXXX XXXX in XXXX XXXX closed their doors. In addition, my granddaughter moved away and could no longer attend XXXX XXXX XXXX. In or about XXXX of XXXX, I contacted XXXX XXXX XXXX in XXXX XXXX and advised them that my granddaughter had moved and will no longer be attending XXXX XXXX XXXX at any location. As a result, the contracts with XXXX XXXX XXXX and XXXX XXXX was terminated.
On XX/XX/XXXX, Comity Capital Bank advised me that I am responsible for the balance due on the loan of {$4800.00} XXXX {$7500.00} - XXXX credit ). This amount is incorrect and did not take into account the monthly payments that I had been making since XXXX of XXXX. In addition, because of Covid-19 and XXXX XXXX XXXX 's failure to timely resolve this matter, Comenity Capital Bank has improperly been charging me late fees of $ XXXX. I have attempted to resolve this matter with Comity Capital Bank ; however, they refuse to correct the problem. Instead, the bank is reporting me delinquent on a monthly basis with the three credit reporting agencies for the sole purpose of destroying my credit. As a result of the banks actions, my credit rating has dropped over XXXX points in the last seven months!
02/04/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
PA
17363
Web
Older American
I opened a XXXX XXXX account in XX/XX/XXXX and accrued {$43.00} of charges. I paid that in late XXXX online via checking acct info that I provided. The account then showed it having been paid. I went in later and it showed the amount still due. I called them in late XXXX and they said that they either tried ( they couldnt say ) to pay the balance via the account number that I gave them or with a debit card ( they are both linked to the same checking acct ). They read off the checking acct number on file and I said that it was correct. They ran it and said it worked. That charge of {$43.00} was then taken from my account on XX/XX/XXXX. A day or so ago I received an e mail from XXXX stating that my statement was online. There were XXXX and XXXX statements there ; the former again showed the {$43.00} owed and the XXXX unavailable. I had it with all of that mismanagement and called them to cancel my card on XX/XX/XXXX. I was then informed that there was a {$25.00} bounced check charge on that account. I explained everything to them and they said that they could not remove it. They threatened to keep charges accrued forever on that unpaid balance. I went to a supervisor and she told me the same thing. They did not say that I was at fault, nor did they admit their wrongdoing, they simply said that the charge would remain.
So I have been wronged and threatened and hope that you can help me.
XXXX XXXX
06/27/2019
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
CA
90405
Web
Comenity Bank emailed me a notification of the minimum payment due on my XXXX Credit Card account ( 10 days before the payment was due ), and also indicated that minimum payment amount by XXXX on their web payment portal ( I did not type in a custom payment amount ). I paid that amount and thought my account was in good standing, until I received a notification from my credit monitoring service that Comenity Bank had reported my account as >30 days late. I have 20 years of credit history, 12 with that card, and have never had a late payment. I called them to ask why they had reported me, and they said that the minimum amount that I owed was actually higher on my paper statement than was indicated in their email or on their web portal because I had returned some merchandise in the interim. I asked them if they would be willing to revise their report to the credit bureaus given that 1 ) it was easy to see how I could have been misled by their emails and web portal ( especially since I have opted out of paper statements and only receive electronic notifications ), and 2 ) the amount of returned merchandise could also be seen as more than sufficient in terms of " minimum payment. '' They have refused to acknowledge any part in misleading me or to help repair my credit rating ( which has dropped 100+ points ), but are happy to charge a {$38.00} late fee and an egregious 27 % interest rate on the balance.
05/25/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
19333
Web
I only owe {$57.00} to XXXX-Comenity Bank. On XX/XX/XXXX, I made a payment of {$27.00} and on the same day I was charged a return fee. On XX/XX/XXXX, I made a payment of {$33.00} and on the same day I was charged a return fee of {$25.00}.
Comenity bank claim they could not find my bank information thus the reason for the two returned fees. Comenity bank never notified me by mail nor called me. I only found out about the late fees because I logged in to make a payment on XX/XX/2019. On XX/XX/2019I made a payment of {$60.00}. I was assured this would cover my XX/XX/XXXXpayment as well. Again, never was told about late fees or not being able to locate my bank etc.. Sadly, on XX/XX/19I was charged a late fee. Comenity bank lied when I asked if {$60.00} would cover XX/XX/XXXXand XX/XX/XXXX.
Also, I found out Comenity Bank HAD A WRONG NUMBER listed. According to their records the number they had listed on my account belonged to a XXXX. I had to FIGHT with them to correct my phone number and to convince them I was not XXXX. I don't even know a XXXX AND I have had the same phone number for years.
Ever since Comenity bank took over my XXXX account, my account has been a mess. I want the fees reversed. I want the credit bureau notified and a positive report made.
My credit rating dropped 26 points because of Comenity bank 's error. This has to be rectified.
Thank you in advance, XXXX XXXX XXXX XXXX
05/15/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
CA
93551
Web
I recently discovered my XXXX credit card through Comenity Bank had been closed by the bank, without notice. As there was no balance, I was never late on payment, and there had been no failure to comply with terms on my part, I assume that they closed it because I had not used it in a year and a half. ( It should be noted that this same thing happened to me years ago, with Comenity Bank, and a Victoria 's SecreXXXX card I held, and that a year and a half is not an inordinately long time to go between purchases at a specific store. ) While the credit card agreement states that either party can close the account at any time, I believe this is a bad business practice, and that there should be changes to the legislature to prevent this from occurring. If they have an internal policy specifying an exact time frame for non-usage before cancellation, this should be required to be in the credit card agreement, so that consumers are aware when they sign up, and can meet that term to avoid closure of the account. That would be FAIR, because closure of accounts harms a consumer 's credit score.
Credit cards are typically maintained by people to use when they need, and Comenity simply closes accounts of people who don't use them regularly enough for them to profit. Comenity should be required to make disclosures and include the time-frame of closure due to non-usage before they harm a person 's credit score.
11/25/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
CO
80209
Web
XXXX XXXX XXXX by Comenity bank XX/XX/XXXX first I scheduled two payments to pay off the card before the finance charge was added to the account. One payment for XXXX $ from one account ( XXXX ) and another XXXX payment from my checking account.
The bank stated that they never received my payment of XXXX $ and that because of this the finance charge of XXXX $ would be assessed. I opened a dispute with them but never received confirmation that the dispute was taking place nor what action resulted from the dispute.
On XX/XX/XXXX the bank confirmed that there is a business rule on the back end of their software system saying that only one payment can be pending a day ( a Sr. account manager named XXXX ).
This rule is not clear- the email notifications you receive are that one payment is completed and then a payment has been updated but it is not specific about which payment is updated. I have spent 15 hours on the phone with the bank and they refuse to admit that this is a system issue and that the finance charge should not be applied. They have stated that they have mailed me letters ( XX/XX/XXXX and XX/XX/XXXX ) but I have never received these letters despite having confirmed my address with them and requested them to mail the letters certified mail multiple times. I also stated that since the payment was being made from a new account this constitutes a new payment and the bank ignored this.
11/18/2017
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
PA
17331
Web
XX/XX/XXXX - paypal credit sent a bill to me and I have never seen this account before. The charges were for little amounts and I have no idea what they are for. I called the number on the statement and asked them to close this account and to dispute all the charges. They would not give any information on what the items were. XX/XX/XXXX XXXX received letters stating that the charges were valid and the case was closed. Contacted the paypal credit and asked to speak to supervisor. The ladies name was XXXX and she refused to supply me with a last name or id number. She stated that the charges were made using the same ip address. I asked her how the account is accessed and she said through email. The email address is not my email address and she refused to tell me what the email address was. How can someone have my social security number and use and account to order items I have never heard of. She refused to give me any information on the account that is supposed to be mine. She stated she the account was not closed from the prior week and asked that she close the account for the second time. I even tried to google the names of the charges on the credit card statement and was unable to find information. These are not charges made by me or my wife and I do not understand how they can refuse to dispute the charges. The amount is very little - but it is still the point that these are not valid charges.
07/29/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
11563
Web
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.
03/28/2021
Yes
Debt collection
Credit card debt
Written notification about debt
Notification didn't disclose it was an attempt to collect a debt
DC
20010
Web
Hello, Thanks a lot for this service.
I want to file a complaint against Comenity Bank. I opened a XXXX credit card that is operated by Comenity Bank. I never made a transaction with the Credit Card except for the one unfortunate transaction of {$3.00} using this card on XX/XX/2020. Because I had never used this card, I did not remember the transaction. Because of COVID-19 too, I was going through a lot of stress concerning my job. However, my two major cards that I use were paid on time. For that {$3.00} transaction on this card, I was made to pay {$67.00} ( with my transaction and interest compounding every month! ). Throughout the three months that I was being charged with these compounded late fees and interests, I wasn't called once though the Bank had my contact number. I believe as a customer, I had the right to be notified of the late payment before reporting the late payment to the credit bureau. The email address that the Bank had was wrong, so I did not receive any statements if any sent. The late payments were reported to Credit Bureau and my XXXX score has dropped to XXXX because of this disrespectful attitude of the Bank. I got to know of the pending payment through my dropped credit score on XX/XX/XXXX and paid instantly. The account has been paid and closed now but I want to file a complaint against this disrespectful attitude to customers that affected my credit score so much.
09/27/2018
Yes
Debt collection
I do not know
Communication tactics
Frequent or repeated calls
CA
91910
Web
Servicemember
Received several ( each 2 hours all day ) which were ROBO Calls from XXXX XXXX ( XXXX ) XXXX. Announced that if I was a specific person, I should input 1, if not input 2. I input 2. I input 2. I was told to pause the message to input 1, which I did. I was then told to get the particular individual and get them to the phone. Then the ROBO call went back to if you are " " input 1 If not input 2, but then added if this is the wrong number input 3. I input 3 and the message went back to if you are " " input 1 and if not input 2, at which point I hung up the phone and and took down the information and called them back to put in a complaint.
The first thing they asked for was the phone number associated with the account. I explained that I had no account with them and that we had no previous business arrangement with them ( which is why I tried to register this as a violation of the do not call registration. I also told them that I did not appreciate the harassing ROBO calls and to remove my phone number from their records.
I got in touch with the specific person ( who does not live here and has not given our number ( XXXX ) to XXXX XXXX. Evidently they got my phone number from public records and decided to try to collect a debt using constant harassment.
The harassment started before noon today, and had a repetition rate of once per 2 hour period, until XXXX this evening when I finally had enough.
03/22/2017
Yes
Credit card
Billing statement
PA
19320
Web
Upon opening a charge account with XXXX on XX/XX/2017, I was advised that my statement closing date on this account was on the XX/XX/XXXX of every month and the bill due date being on the XX/XX/XXXX of the month. On the XX/XX/XXXX, I had a XXXX balance on this account. I woke up this morning to an alert from XXXX and XXXX stating that an account had been added to my credit report. Upon checking my credit report, XXXX had reported misinformation, stating that my balance is {$120.00} shooting my utilization of my credit cards from XXXX to 28 %. On XX/XX/XXXX, the date in which I was advised by several different customer service representatives that was my statement closng date, I had a XXXX balance on this card. I had not made a purchase with this account until XX/XX/2017. I then called XXXX again and spoke to a representative by the name of XXXX who confirmed that my statement closing date was in fact on the XX/XX/XXXX. She said " We report a couple days later. ", I then asked her what is a couple of days? SHe responded with " Ummm ... on the XX/XX/XXXX. '' I then told her that from the XX/XX/XXXX to the XX/XX/XXXX is NOT a couple of days and that it was in fact exactly 14 days ( 2 weeks time frame ). XXXX incorrectly reported information on my account to the credit bureaus in regard to my balance at the the time of my statement closing ( XX/XX/2017 ) and reported a balance as of the XX/XX/XXXX.
01/12/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
OR
97103
Web
Went shopping at the XXXX/XXXX XXXX XXXX store in XXXX Wa at the mall on XX/XX/2018. I was talked into getting a credit card for a percentage off of my purchase. I received my bill for {$250.00} sometime in XX/XX/XXXX. I went into the store to pay off bill before due date and wrote a check for {$250.00} addressed to XXXX on check number XXXX on XX/XX/2018. I received a bill in the mail in late XX/XX/XXXX saying I had a late fee. I called XXXX credit card and explained that I had payed it. They turned me into the XXXX XXXX collections. I have been in contact with them many times. I have sent them a copy of the front and back of my check. I have told them that my bank has said that the check went through and was cashed. They told me it can take 6 months to look into. My annual credit report is now affected. I am only asking that they dismiss the charges since the bill was already paid. This will of course fix my credit. I am upset that they keep calling me and sending me bills even though I am disputing. It feels like harassment. I was happy to send them a copy of the check front and back but they have requested it sent again because they complained that the back was smeared which I had nothing to do with, They requested a receipt from my in store payment which I did not keep and have let them know. I feel like I have been ignored by them. Instead of working with me they are dragging this out.
12/07/2020
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Public record information inaccurate
NC
27518
Web
It took an excessive amount of time to clear up all of the addition and incorrect fees that had been put onto my account. But in XXXX I was finally able to speak with a customer service rep and they agreed to take off the fees. I paid off the credit card immediately and they agreed that they could not report me payment as 30 days late, because # 1 it was the fee amount that I had been disputing that made it late and # 2 I had in fact made payments. The credit card only had and available charge amount of {$250.00} and they had accumulated fees even after the account was closed. They agreed to clear up my credit back in XX/XX/2020.
I am trying to buy a house and that issue STILL appears on my credit report. I tried to call to discuss the matter and was told that the only way to reach that department is to mail a letter to the PO BOX and that it may take several weeks to get a letter back from them. I do not have several weeks. I believe that it is unfair that they will not allow someone in customer service to address the issue. It is also unfair that it has not been corrected since XX/XX/2020. Lastly, it is extremely unfair that my mortgage is hinged upon a store credit card that charges outrageous fees and does not have a way for members to remedy concerns. They will not allow a payment in store, and if you pay by phone they charge a fee.
I need this off of my credit score as they promised.
08/19/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
VA
22406
Web
On XXXX XX/XX/2020 my account was sold to a collection agency this would be my second account they sold to a collection agency. My concern is during an medical emergency they agreed to place both accounts into a their Hardship Program with set payments after paying over {$3000.00} on each account a total of {$6000.00}. Unfortunately the Hardship Account Manager did not explain to me the program was aging my account from the first 30 day delinquency! I believe a Hardship Program should start on the day you signed the new terms and agreement as the reset date. Every month I would call in my payment to an account manager and never was I told that my accounts were approaching 120 day Charge Off! This is very poor business practice especially during a Pandemic to just Close Accounts and sell them pennies on the dollar and create additional stress with a very ill wife dealing with a collection company! The collection companies are predatory on their collection tactics to include providing Validation of Debt to include properly leaving an appropriate voice message but rather hang up or playing the I Got You Game! As a 40 year XXXX employee paying my bills and was never going anywhere! Shame to treat a good paying customer this way during a hardship situation. Reminder please check your records I paid over XXXX and paid off the accounts in the past! Made a lot of money off this card holder for sure!!
07/05/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
34117
Web
I paid my XXXX bill in full in the amount of {$94.00}. XXXX XXXX ( Comenity ) payment was mailed with proper time to get to creditor. But they posted it one day after due date and charged me a late fee of XXXX and interest XXXX. I called the company and said this is bogus charges I will not pay, they said they would credit XXXX only to the account. At which time I said then I am closing this account. The balance owed was XXXX which I sent a letter in writing to close this account on XXXX XXXX with the cut up credit card and a check for {$14.00} check # XXXX to close this account and put it in writing. Then I received XXXX bill on XXXX XXXX and they had charged me another XXXX in late fees bringing my total to {$41.00}. I called again and said close this account I put it in writing 27 days ago, and they said well we never received it. Then on XXXX XXXX I received a letter responding to my request saying we cant close your account because this is not the correct balance. Over 30 days for them to respond to my letter is negligence and fraud on their part and a way to charge me another XXXX dollars. I feel they owe me the {$41.00} that I had to pay to close this account and the duress it put me under that they just kept charging late fee when account had been asked to be closed in XXXX. It is not a large amount but this is a matter of principle and fraud for charging fees that were not warranted.
05/14/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
CA
92009
Web
Comenity Bank closed 2 of my cards within the past 2 weeks. I reached out to ask them why, and they claimed inactivity. I used both cards ( Victoria 's Secret and XXXX XXXX ) within the past 6 months, and we are in a pandemic, so that should be more than good enough and should NOT entail closed CC accounts.
I reached out to them on XX/XX/XXXX regarding my XXXX XXXX account, and they gave me a canned message ( see below ). Today I saw that they ALSO closed my Victoria 's Secret account ( XX/XX/2020 ) via my credit monitoring service.
This is a problem as my credit score is above 800 and they shouldn't be closing accounts during a pandemic when stores are not open. Also, inactivity should only kick in after 6 months, and should be entirely waived during a pandemic/ national stay at home orders.
" I am with Comenity Bank, which handles everything related to your credit card account. I'm happy to help you today.
We closed your XXXX XXXX account on XX/XX/2020 due to inactivity.
We let the national credit reporting agencies know that your account was closed at your request on XX/XX/2020.
We value having you as a customer.
Although your account is now closed, we hope you will continue to shop with XXXX XXXX and invite you to apply for a new XXXX XXXX account in the future.
If you have any questions, please click the reply button.
Sincerely, XXXX Internet Customer Care Team ''
08/26/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
IN
46077
Web
I signed up for 12 month XXXX movie plan in XX/XX/XXXX for {$100.00}. I was never able to use the service provided due to their 'supposed ' technology glitches and demands for extra fees. I tried to cancel immediately with Comenity bank in XXXX Ohio. I did not realize the difference between a dispute and fraud and the first complaint was filed incorrectly and rejected. By the time I refiled the complaint XXXX had gone into bankruptcy leaving a trail of lawsuits. Comenity charged me back the {$100.00} on my XX/XX/XXXX billing statement.
XXXX XXXX XXXX Comenity denied my claim by sending me a copy of XXXX XXXX users agreement in XX/XX/XXXX with no indication of which clause or paragraph related to my dispute. I am not a lawyer, but it seems to me XXXX didn't provide any service to me, I am at a loss to understand that complete and utter failure to provide service is legally enforceable.
Comenity provides no direct access to its fraud teams to challenge findings. I have mailed in additional support at their request and still no chance in conclusion.
Comenity said it never received additional information on the claim and on XX/XX/XXXX I sent them the attached letter. I'm really not certain what additional information I was supposed to provide and it was never spelled out in Comenity 's correspondence with me.
I have never had this problem with XXXX or XXXX XXXX when there's been a dispute
10/03/2017
Yes
Credit card or prepaid card
Store credit card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
FL
32868
Web
Yes, I have on numerous times spoken with various specialists with XXXX XXXX regarding my XXXX XXXX account with XXXX being the last one spoken with on XX/XX/XXXX. At that time I explain completely my financial hardship at that time, had no available income, job cut hours tremendously and with my other financial obligations of which I must live can not or do not have any extra monies for this account. I asked if it could be place on hold or postpone until I find a new job and was told no but that she will notate the account. Now just today and yesterday XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they have placed my file with another harassing representative specialist by the name of XXXX XXXX, she stated on voicemail that she works at the company until XXXX XXXX EST and her telephone number was ( XXXX ) XXXX Ext. XXXX. This lady calls all times of day and sometimes I have had these calls come thru at night, whether it be her or someone else from this company. This affecting my health, I do not have any monies and continuing to call and harass me with these threatening phone calls will not help any monies come to me or the company at this time. I can not pay if I have no money. I want the calls to stop. They should not be allowed to continue to hound me. I know that I owe them and I will take care of this debt as soon as I am able, but I have no income of any kind to settle this debt at this time.
01/08/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Personal information incorrect
NJ
07470
Web
XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my Comenity Bank/ Wayfair account.
I want you to know that I understand my financial obligations, and if it werent for the wrong address that you had on file for which I called 6 months ago to have it change I would not have missed the payment ], My debit card was stolen so I got a new one and didnt remember to call the bank since I didnt receive any letter to my new address for the late payment. Since I found out that I am being late from the XXXX XXXX I called the bank right away and made the complete payment of XXXX . So I dont have any remaining balance. I have an excellent payment record and have never missed any payments., Ive a spotless record of on-time payments.
Im planning to apply for a auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX Thank you for your consideration, and I hope youll approve my request.
Best, XXXX XXXX
03/31/2020
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was paid
GA
30062
Web
Copy of letter to the company : Dear Sir or Madam : This letter is a formal dispute for a charge on my account for the amount of {$2200.00}. I received your letter dated XX/XX/XXXX regarding my dispute to the finance charges added to my account. My letter dated XX/XX/XXXX and XX/XX/XXXX confirms your conclusion from the investigation.
However, I still feel that this charge should not be made to me because I paid off the balance for the 12 month interest free payment special related to the XXXX XXXX. Please consider my payment history in regards to my dispute.
I made a payment of {$6000.00} on XXXX which left a balance {$71.00}. I made another payment of {$270.00} on XX/XX/XXXX that resulted in credit balance of {$200.00}. I was issued a refund that amount. Even though the interest free special expired on XXXX, I made an effort to pay off the balance within a year. I made my payments on time for the past 12 months. I feel that I should not be charge interest just for {$71.00}.
In addition, due to my financial hardship as a result of COVID-19 virus, I will not be able to pay the interest charges.
Again, I would like to request that interest charges of {$2200.00} be removed and the remediation of any negative credit reporting.
If there are any related charges, they should be removed too. I would like to receive an accurate copy of my credit card statement when this item is removed.
07/26/2019
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
TX
77521
Web
Servicemember
I am a XXXX % XXXX XXXX Veteran, living on a fixed income. After completing my service time in XXXX, I have had to have numerous XXXX that have deemed me unable to work. I have had this item that shows as XXXX with a balance reporting of {$2600.00} charged off, on my credit report. In XXXX of XXXX- I reached out to all and any creditors and made them of an upcoming XXXX on my shoulder, due to a XXXX injury in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can give me any info and only points me towards " XXXX XXXX ''. This company is actually showing a balance over {$600.00} more. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been paid through XXXX protection on the account, as it was that exact circumstance. I dispute through the credit bureau and get nothing. I call and am told nothing. I just want a resolution and XXXX XXXX refuses to even look into me becoming XXXX and contacting XXXX.
06/30/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MA
02375
Web
Older American
On XX/XX/XXXX I answered an ad on the computer for XXXX XXXX XXXX from the XXXX XXXX company it was an introductory offer, I paid less than {$5.00} for each one I received them 5 days later, on XX/XX/XXXX I saw two charges made on my credit card that weren't made by me I immediately called the XXXX XXXX XXXX to report this the charges were {$84.00} and {$89.00} I filed out the dispute form and sent it back, they closed out the dispute without even trying to get the charges taken off, I made several calls to the Bank and got nowhere, on XX/XX/XXXX I had two more charges on my credit card the first two charges that were made I never received anything on XX/XX/XXXX the two charges were {$89.00} and {$93.00} again I called the XXXX XXXX XXXX and I filed out another dispute on XX/XX/XXXX I received a package from the XXXX XXXX company I took it to the post office and sent it back refused they received it back a few days later, I asked XXXX XXXX to remove the charges and they sent me a letteron XX/XX/XXXXtelling me they were mine so I am stuck my credit score has dropped and my life has been ruined because of this my only source of income is social security, I have sent a complaint to the XXXX XXXX XXXX and to date nothing has been resolved I am in hopes that you can help me as a result of this I have had my credit card maxed and several charges put on my credit card from the unpaid balance.
09/13/2017
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
MA
02189
Web
Servicemember
I was making a purchase online with a store credit card that I have had for about five years. The purchase was for two items that amounted to XXXX-XXXX XXXX dollars. I have a credit limit of {$1200.00}. I had no balance at the, I had tried to make a purchase in XX/XX/XXXX and XX/XX/XXXX. I was directed to contact customer service, and I did. The rep for the company told me that because I had not purchased anything for so many months they had to do credit check etc. Ten days later, They sent a message that They closed my account.I have never been late with this bank, and have two store credit cards with this bank and with had no balance due to them with credit amounts of {$1200.00} and XXXX. They closed my account in XX/XX/XXXX. Then on XX/XX/XXXX the company sent me a letter that read that I requested to have my account closed, which is absolutely false. They closed the account, and when I spoke to a rep. at this company, they seen I was having a sever hardship with other accounts, due to my Mother, Father, and Father in laws, XXXX that Happened within an eight month period. They all were XXXX of different horrible, debilitating XXXX and all needed help while they were XXXX.I had no balance or owed any money to this bank, so I did not request to close my account, and when I sent a letter to the company about this situation, they sent this bogus false letter of my request to close it.
02/28/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
77077
Web
I bought a piece of jewelry from XXXX XXXX using their relationship with XXXX XXXX XXXX. This transaction totaled about $ XXXX and was made up of two different balance timelines ; one for about $ XXXX and another for $ XXXX. A return also occurred on one transaction that was removed from the balance. I paid off what I thought was the entire balance within the required time frame, but had miscalculated by a few thousand dollars because of the return. I was a few weeks over the line on this small remaining balance and was assessed a finance fee of XXXX on about a $ XXXX balance. Discussions to bring this to a reasonable conclusion failed terribly as they were unwilling to compromise.
To make matters worse, they have assessed a late fee on a remaining balance of {$25.00} that I did not know about. Now they want {$56.00} in total. This was not a balance that I had financed with them but another fee.
The just outcome would be a total return of the interest balance that was paid to them. I had made my payments in good faith and even paid the interest balance to make sure nothing ended up affecting my very good credit rating, however being so unreasonable with a credit report to threaten is a bully 's approach of doing business.
I will not do business with them or anyone that they finance in the future unless this is resolved, and I will make sure other consumers know about it as well.
11/29/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MA
02301
Web
I'm perplexed about the way this account is reporting on my credit report consider it's already paid off. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
03/24/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
NY
10029
Web
XXXX XXXX, I had loveloft credit card ( that I have never had one ) I wish to call your attention to an issue regarding my loveloft credit card that I have till this day never received. I received a statement onXX/XX/XXXXregarding payment of a bill of {$300.00}.
While I was shopping for I was approached by one of the sales representative who adviced me to apply for a credit card which required my social security number.
While I was shopping for a necklace which is XXXX $ and earring : XXXX $ .during XX/XX/XXXX summer ; l havent received any call, any notice bill, any email.bank and loft company didnt communicate with me.
I m surprise to see the XXXX $ bill. Still this date I have not received any credit card supposedly applied for.
I m shocked to receive this bill, I cant effort to pay this money that I m willing to pay necklace and earings ... I dont recognize this exorbitant bill.
I called XXXX XXXX where is located at OHiO, customer representative even didnt listen to me, while I was complaining about situation, she started yelling at me and insisted that I have to pay cuz its too late I already rang them over the phone she threatened me in ugly way cuz of I was looking for a number to call ..how come you can insult someone just because I had a call? I even dont know where is my credit card its effecting my credit score! I need urgently to understand and whats going on ...
09/23/2020
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
PA
19054
Web
I received a bill from BJ 's for membership renewal on a BJ 's Mastercard for {$55.00} - I had a membership BUT NEVER asked for a renewal! This happened in XXXX of 2020. I informed them that I did not want a BJ 's card for membership. I asked the representative to cancel the charge and did not want a renewal of a BJ 's membership. I received another bill - I called again in XXXX and asked for the membership to be dropped - I called both BJ 's and Comenity Bank. After multiple calls to both companies, I thought I resolved the issue when a representative said the account was closed - I have talked with numerous representatives - XXXX, XXXX, XXXX, XXXX, and still I am receiving multiple phone calls for collections and past due amounts from Comenity Bank. After trying to call BJ 's for more information I was continually asked for a membership number, which I did not have, consequently I was getting nowhere. Finally, XXXX, mentioned above from XXXX explained to me she had my membership number. I used the number to try to clear this up with BJ 's - I used a three-way call with XXXX, XXXX at BJ 's, and myself and thought we resolved the issue - XXXX said, on XX/XX/XXXX the issued was going to be taken care of. This all occurred on the morning of the XXXX or XXXX.
I am still receiving multiple phone calls daily to both numbers entered on this form. Additionally, a letter has been written.
09/27/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
FL
33837
Web
Older American
I have a XXXX Credit Card. I had a Special Non Interest Promotion. I was Paying more than the Minimum Payment and was not aware that Payments would need to be called in to apply to cover that Promotion. I speak english but do prefer to have written correspondence in XXXX. I recieve a Email advising that a promotion had expired. Interest was applied to my credit card and when I tried to call the Bank to see what options I had I was told that there was nothing they can do. I asked about the terms and conditions, since my son who works for a Credit Card Company advised that there should be a way for them to reallocate the balance. since more than the minimum was being paid. To waive the interest that had accumulated ; however the Bank told me that there was nothing that could be down and that pretty much I had to pay the Balance and figure it out. No options were provided by Customer Service or a Manager. I later became ill and was in the hospital for over 3 months when I called the bank to explain the situation they told me it was policy that they were only able to waive one fee in a 12 month period. I would have to the fees and the information could not be corrected and sent out to the credit bureau. since it was pretty much my fault that I got sick. So now I am forced to pay a multitude of late fees and int. which as a senior citizen my income will not allow me to pay such high bal.
08/28/2019
Yes
Debt collection
Other debt
Written notification about debt
Didn't receive notice of right to dispute
CA
92342
Web
Older American, Servicemember
Went to mall and was enticed by sales person to buy a ring that normally was priced at {$4400.00} but that it was listed at 75 % off due to XXXX of XXXX sale they were having. They had me apply for credit. They gave me 2 credit cards for an unknown reason. I only applied for one. This other credit card showed up after the period to return the ring. One was XXXX and the other I can not remember. The total price was supposed to be {$1500.00}. I had to have XXXX so I was out. My husband made the payments to the jeweler until I could get a chance to resolve the issue. When I was health again I went back to the store with the paperwork that I had received. They attempted to say that I had agreed to other charges but they could not provide me any papers that verified this. I did not sign any other papers. I had all papers I had signed and none of the numbers matched. I called the manager, I called the main office. I could not get any documentation of any other charges. I received an inheritance and told them I would pay them the {$1500.00} that the price was supposed to be. They refused and would only accept {$4400.00}. I have sent written requests to validate the debt but I can not get any response.
They reported all of these accounts on my credit : XXXX XXXX XXXX/ XXXX XXXX XXXX All opened XX/XX/17. How would I have taken out a total of {$7700.00} in credit to buy a {$1500.00} ring?
04/13/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
VA
23661
Web
XXXX XXXX XXXX has been ongoingly writing me since XX/XX/2018 for payments on items, that I have paid for through XXXX credit card XXXX XXXX XXXX. These items appear to be the items that were put in XXXX plan.
XXXX XXXX XXXX contact the XXXX XXXX XXXX immediately review my account with them immediately and send them the payments for all items they did not receive their payments for.
From home shopping networks responses in writing to me, they have not been paid for numerous XXXX paid items that I have clearly sent payoff payments to the bank for.
To date, I have sent full payments to XXXX XXXX XXXX XXXX to pay off all XXXX account items, with- in 30 days Or less, if items purchases.
I need XXXX XXXX to contact XXXX asap, review what they need and send them payments on items asap.
I have already requested for XXXX to stop writing me and I have informed them that I have sent the full payments for all my XXXX items to the bank.
XXXX will also be contacting you directly to resolve issue.
XXXX is ready to send my alleged non-payment for these XXXX items to collections and this is not acceptable!!!.
I will not have my credit hit twice on same, on going issues between XXXX and bank, period.
Both agencies have partnered together to service consumers, so work together to fix this ASAP.
XXXX XXXX XXXX you now have the same 10 business days, as XXXX, from today to resolve.
08/20/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
92028
Web
I made a purchase from Wayfair on their card which was then rolled over or transferred to/ taken over by Comenity Bank . I returned the item to Wayfair, as instructed, and I have confirmation from Wayfair of the return. Comenity Bank has repeatedly refused to issue the credit to my credit card. I have written numerous letters and made several, several phone calls. At one point Comenity issued a " provisional credit '' and in the same billing cycle reversed that credit ( XX/XX/2020 ). So I wrote more letters. On my statement for XX/XX/2020 the " provisional credit '', from XX/XX/2020 was entered again. That is very confusing and I do not want a " Provisional credit ''. I should simply receive a credit for the item I returned. A " provisional credit '', which could be reversed again, concerns me as it was reversed once before. Once the balance on that account was no more than the credit I expected to receive I stopped making payments on the account so as not to end up with a credit Comenity Bank would owe to me and I suspect I would never receive. Since that time Comenity Bank has charged me a {$40.00} late fee each month. I have written to several people I located online that appear to be a CEO or President, I have gotten no answers other than form letters. This situation is affecting my credit. I do not want to give Comenity Bank any more money than that I legitimately owe to them.
06/26/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
CA
92084
Web
Comenity Bank ( XXXX Credit Card ) charged me interest XX/XX/2021 on a {$0.00} balance after I had missed a payment. I was confused about how I had missed a payment, but I realized it was probably because they have overcharged me interest. I asked for the terms of service where I have signed that they can charge me interest when I have a {$0.00} balance and the customer service reps are ignoring my questions. They gave me a {$39.00} credit for the first late fee, and a refund for {$35.00}, both which I didnt request. They stated they received verbal authorization to return the {$35.00} but I have not spoken with them on the phone. I have asked that they REMOVE the 30 day late payment theyre reporting to the credit bureaus because the company is untrustworthy. I have reason to believe the late payment is being fraudulently reported. I have received ZERO in mail correspondence from them. I mailed a dispute in regards to the late payment asking for a goodwill removal and they ignored it. They replied that it was a duplicate response and to refer to the investigation previously sent, but there wasnt one. They have ignored my requests, and in my asking for the original investigation letter and decision I realized they were charging interest that violates their terms of service. They have ignored me several times. I have mailed in requests. Emailed. And messaged on their secure platform.
09/28/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
FL
33154
Web
I signed up for a 12 month promotional plan and divided the payments by 12. I then set up auto pay to have the appropriate amount deducted each month so that it would be paid in full by the expiration of the plan. I also enrolled in paperless billing to save paper. The last month the bill was set to pay off the balance on XXXX XXXX.I believed that the last billing cycle would be the expiration of the plan and I paid it in full by the end of that cycle. Unbeknownst to me the expiration for the promotional plan was 6 days earlier, XX/XX/XXXX. The company purposely sets the autopay date after the expiration so that they can charge you interest on the entire initial balance. In this case that interest was {$550.00}. My last payment amount was {$330.00}. Obviously I would have paid it 6 days earlier. They then charged me a late fee and interest for the month of XXXX because I thought the balance was paid. I only noticed it because it showed up on my credit report as a revolving balance and I knew it should have read {$0.00}. This seems to be unfair and predatory, relying on a technicality in order to trick customers. I work hard to ensure that all of my bills are paid on time and do not appreciate these tactics. I reached out to them and spoke to a supervisor who tersely informed me that they can not reverse the fees/charges. I also reached out on twitter and received the same response.
07/19/2017
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Unauthorized transactions or other transaction problem
CT
06460
Web
On XXXX XXXX ' 2017 a mobile phone was purchased by me from a private seller through a reputable marketplace website ( XXXX ). The seller responded after the payment was made ( via PayPal Credit ) that the phone did not power up during his pre-shipment inspection. I acknowledged the issue and and we both decided that a refund would be appropriate. The seller did not refund the money. I opened a dispute case through the marketplace website. When this did not help I opened a dispute with PayPal Credit ( Case XXXX ). On XXXX X'2017 the seller finally responded stating that he can not refund the money since PayPal has already frozen the disputed funds in his account ( effectively withdrawing the money from his account ). On XXXX XXXX'2017 PayPal informed me via email that my case is under review and that I should get a response once the review is completed. Om XXXX XX'2017 I called PayPal Credit customer service to inquire as to the progress of my case review. A representative stated that the money is currently being held by PayPal pending final resolution. I stated that there is nothing to resolve since both the seller and the buyer agreed to the refund and neither party is disputing the refund and demanded that the money be returned to me immediately. The representative stated that they have a 90 day time frame fro " resolving '' such issues and refused to discuss the issue further.
08/23/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MI
48626
Web
I made a purchase online XX/XX/XXXX using my XXXX and Banks credit card. Amount of that transaction was {$63.00}. The order was shipped in multiple packages. I received a tank that cost {$8.00} ( incl. tax ). Per tracking details, the other part of the order was damaged when it arrived in Ohio. Package was returned to the warehouse. I was still charged {$63.00} on my credit card bill. I called customer service on XX/XX/XXXX and XXXX. I opened a dispute. A supervisor called me back on XXXX and credited the {$63.00} from my bill and told me that if I still wanted the items in my order that I would have to re-order them. I have the email stating the refund to my credit card. I did not re-order. I received a letter from Comenity dated XXXX stating that the claim was being investigated. I received a credit bill ( statement closing date XX/XX/XXXX ) with the charges {$63.00} for XX/XX/XXXX provisional credit reversal. Bill is due XX/XX/XXXX. I only owe the company {$8.00} for the 1 tank that I received. If I am to pay the full amount, Comenity or XXXX and Banks need to issue me a gift card in the amount of {$55.00} being I have Not received most of my order. Is this theft? Is this fraud? I want this resolved now. Been putting up with this since XXXX. Comenity are thieves!!!!! After this is resolved, I will never have a credit card that is thru Comenity! I will let others know as well.
09/01/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NC
27012
Web
I reported to the issuer of my XXXX XXXX that there has been a fraudulent or unauthorized charge to my card on several occasions.
Each time was with instructions to complete a form. I submitted the forms with no reply.
The only item was yet another charge on my card each month.
On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX my card was charged {$16.00}. I attempted to contact the company regarding the charge with no response. The company deletes messages after 120 days, so I do not have record of each of the messages as they have deleted them from the website. I received a form to complete and return, which I did sometime in XXXX or XXXX XXXX. I received no response.
However, my final frustrated request was on XXXX XXXX, XXXX demanding that the fraudulent charges be refunded and that my account be closed. They replied that they will report my non payment to the national credit reporting agency even though I have reported this as fraudulent. When I logged in to their website this evening, I see now they have charged me late payment fee of {$16.00}. Sort of ironic as each of the fraudulent charges were for {$16.00}. I am furious at the inaction of Comenity Bank regarding my account.
I have no documents to upload other than the statements as I have not received anything from the XXXX XXXX CT.
06/04/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
FL
33993
Web
Servicemember
I've been damaged due to COVID-19 by loosing my employment and still waiting for Unemployment. I contacted my creditors one being Comenity Bank to inform them and request assistance. I was given a letter stating two months payments would be waived due to the Pandemic and my situation. I thought Comenity Bank was here to help consumers during this pandemic but they have done nothing but hurt my credit. I was informed that two months would be waived along with late fee, although I still made payments and managed to pay off some of my accounts, Comenity Bank reported to the credit reporting agencies XXXX, XXXX and XXXX that the accounts were 2 to 3months late when they had informed me that I didn't have to make any payments for two months and late fees were waived. This reporting has caused more damaged to my credit by having other cards closed and credit limits decreased due to their reporting. It is my understanding that due to the Pandemic ( Cares Act ) creditor are suppose to work with consumers and prevent from damaging their credit and credit reporting agencies should not report anything negative on consumers credit during the Pandemic. Comenity has damaged ones credit but advertise they are here to help consumers..
Negative information has been reported to my XXXX XXXX XXXX XXXX XXXX all have caused damaged to my credit. I have never had any late payment history until now.
05/07/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
PA
15090
Web
I did a promotional balance transfer for {$12000.00} with 0 % interest until XX/XX/XXXX. The transfer occurred on XX/XX/XXXX. When I received my XXXX bill due XX/XX/XXXX, I paid the purchases that month in full of {$970.00}. When I received my XXXX bill due XX/XX/XXXX, there was an interest charge of {$3.00} based on {$160.00} of purchases. I called and spoke with a representative on XXXX and questionned the interest charge. I was told that they would waive the fee ( which they did ) and that to avoid this in the future, I needed to pay the purchases in full each month plus the minimum payment due. I paid the total purchases of {$49.00} and my minimum payment due of {$120.00}. When I received my XXXX bill due XX/XX/XXXX, there was an interest charge of {$4.00} based on {$230.00} of purchases. I called on XXXX and complained and I was told that it's a computation I'll have to complete each month by taking the new balance less the balance transfer and pay that amount. I actually paid more than that amount so the answer makes no sense. She waived the charge again but I have no way of determining what they are charging or why when the transfer balance should be {$0.00} interest and I am paying my purchases in full plus an additional amount. The customer service is terrible and they never have an actual answer as to why the interest is being charged or how the amounts are calculated.
12/13/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
CA
95955
Web
XX/XX/2021 : XXXX XXXX : XXXX asked for my phone number : XXXX : cashier located my account W/O my physical card present. I informed cashier of NAME CHANGE, ADDRESS CHANGE. Her XXXX said when the bill generates and forwards to you-make the changes and submit w/ payment.
XX/XX/2021 : Never received statement via mail as expected. FOUND copy of XXXX XXXX XXXX ( I DON'T have my card anymore ). Called Customer service : XXXX. Informed : NAME CHANGE, ADDRESS CHANGE. Representative asked if name change was due to Marriage/Divorce? Answered, " XXXX ''. Are you still with XXXX XXXX XXXX? " NO ''. My last name was, and I'm in a different state.
Same day, XX/XX/XXXX, I paid over {$200.00} ( XXXX {$100.00} ).
Letter dated XX/XX/XXXX, XXXX XXXX VIA COMENITY BANK : We can not send you replacement card. " I NEVER ASKED FOR REPLACEMENT ) And your account is CLOSED '' That's unbelievable. And reported to all XXXX credit bureaus. Score dropped ; XXXX points.
Since I have other STORE credit cards, without the physical cards, due to lack of use- like XXXX, wrong name, wrong address, wrong phone number, I guess Comenity Bank will handle by closing these accounts as well.
I'm the one that reached out, called, Comenity Bank updating out dated information on me, and they used the information to discredit me. I guess divorce and change of workplace is cause for irrational RUSH TO JUDGEMENT,
05/28/2021
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account status incorrect
CA
92660
Web
Hello. I made a payment in full to XXXX credit card {$92.00} onXX/XX/XXXX. Payment was due on XX/XX/XXXXtherefore I was charged a late fee of {$29.00}. I spoke to a representative when the next statement came in and they said they can waive the late fee as a one time courtesy since Ive never had any late payment and my account was in good standing. Then I received another statement with {$29.00} late fee plus {$2.00} in interest. I called again and they said the billing cycle had already generated and to ignore it because my actual balance was XXXX. Not knowing I had a balance, the next month went up an additional {$33.00} in late fees, making the total {$64.00}. Then an extra {$40.00} in late fees was tacked on with a total of {$100.00} due XX/XX/XXXX I reached out months ago and they told me it was an error and I didnt have to make a payment. I confirmed my account was XXXX out and the representative staters the error was made by the creditor and not to worry as it was cleared up on their part. Then a couple weeks later I was hit with a 30 day late on my credit. I was never 30 days late. I disputed the error and they denied it. Damaging my credit very badly. I pleaded with them to fix their error as I am in no position to have my credit damaged so severely and they ignored my requests. I tried several times after and they still will not take accountability for their mistakes.
12/29/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
OH
45154
Web
My name is XXXX XXXX - I have XXXX accounts that Cominenty handles. A Victoria Secrect and an XXXX. I have filed complaints XXXX and XXXX. The CFPB needs to read this and investigate! You have no clue the toll this has taken on me!! This company was fully aware I was impacted by XXXX and was on life support during the times of late payments. My husband tired calling in and no one would talk to him about my account and for XXXX, this is a total joke my credit is ruined because they failed to respond to a billing dispute TWICE regarding a {$35.00} late fee that was overly waived at the end of all this!!!! They have ruined my credit with their poor servicing! All they keep responding with is " your payment was due '' Your agreement says XYZ '' '' Well you know what! Had your company handled my billing dispute correct and spoke with mu hiusabd and gave me the COVID assistance i deserved, I would not have this issue right now!
I had to cremate my daughter because they will not rightfully fix my credit!!! All other creditors did but them!! They need to be held accountable!!! Fix my credit! I do not deriver the emotional toll this is taking on me!!! I lost my husband and daughter to this XXXX, the only reason my payments were late is because I had the XXXX and was in the hospital! Their compliance and Legal need to review all my complaints and disputes and get my credit fixed!!!
11/10/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
IL
60611
Web
On XX/XX/2020, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX. The Agent told me that I have a balance of around {$78.00} on the card. I was surprised about the balance, because I cleared all the balance long time ago and I havent made any purchases on the card in 2020. I strongly believe that Im not responsible for any of these transactions : 1. Without my authorization, it charged membership fee on the credit card for {$19.00} on XX/XX/2020 2. I was not aware of the membership fees, late fees, interests until today. I was in XXXX and theres no access to XXXX between XXXX and XXXX I called them twice this morning and asked for refund, but they told me they would only refund me a late fee of {$35.00} only if I agree to pay the remaining. I thought its super unfair and disagreed. Below is a screenshot of the fees charged without my awareness and authorization : Date XX/XX/2020 Minimum Interest Charge {$2.00} XX/XX/2020 Late Fee {$35.00} XX/XX/2020 Minimum Interest Charge {$2.00} XX/XX/2020 Late Fee {$19.00} XX/XX/2020 XXXX Purchase {$19.00} Total {$78.00} So, it is so unfair to me that Im named to pay for those unaware and unauthorized transactions, including the membership fees, late fees, and interests. I have been maintaining a very good credit score for years, and I always pay loans, credit card bills on-time. I hope you could help me resolve this issue fairly.
Thanks
02/04/2017
Yes
Credit card
Late fee
NV
89509
Web
Servicemember
Community bank holds my XXXX credit card. They have repeatedly made every effort for me to be late on every payment cycle and have refused to work with me. This is how their scam works. Today is Friday XXXX/XXXX/XXXX. My payment according to them is every XXXX of the month. I tried making a payment for today but the option to make the payment for today is grayed out. The payment system on their end says today is XXXX/XXXX/XXXX which is not correct. So the only option Im given is to make the payment for XXXX/XXXX/XXXX which triggers a late fee. I have had the card since XXXX of XXXX and have incurred XXXX late fees. I do n't have that problem with either XXXX XXXX or XXXX XXXX. In addition, I have made large payments which would put me in a " pay-ahead '' status essentially not making me owe any money for the next month. The latter is not the case. Im forced to make a minimum payment every month. I made a payment of $ XXXX XXXX credit limit. I turned around and tried to meet the remaining but the system does n't let me pay up to the XXXX limit. I feel they are not being veteran friendly at all. I have expressed my discontent to them by mail but their only solution is for me to schedule my payments up to a month in advance ( ludicrous ). Please help me in reaching out to them. I believe they 're making themselves rich by banking on people 's innocence who do n't know any better.
09/16/2020
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account status incorrect
VA
23511
Web
Please be advised that I am requesting that the account # XXXX with Comenity/ Victoria 's Secret was sold to XXXX. XXXX advised the debt was settled/ paid in full and any negative remark or tradeline with their name would be removed. However, when contacting Victoria Secret they will not remove the trade line from the credit report services. They also advised that I would have to wait to see if it can be reviewed. I asked XXXX if they can send them a letter indicating that the debt was satisfied and the associate stated that they could not and that conversations would have to be held with the original creditor in order to get everything updated and displayed accurately on credit report.
Please note that a letter has been sent to comenity bank at the following address : XXXX XXXX XXXX XXXX OH XXXX and the phone number given was XXXX. Please note when a verification letter was sent to victoria secret they advised that the account was sold any questions comments or concerns regarding the removal of that account off of credit report would have to be taken up with XXXX XXXX XXXX XXXX. Please note that an email was sent on XX/XX/2020 was sent for an email copy of this request to XXXX. In that email it outlines the request for a copy of the release of debt letter so it can be forwarded to the original creditor who advised they no longer own the debt but still shown as a tradeline.
02/06/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OH
44223
Web
I processed a payment over the phone with a rep on XX/XX/1919, this was returned by my bank as account not found because the rep left a number out of the bank account number provided. when I called back on XX/XX/19 I called and spoke with a rep and processed the payment again, when i noticed i was charged i called and filed the dispute on XXXX to have the call pulled and review as i no i provided the correct banking info. When i spoke to a rep the first week of XXXX i was transferred to the advance rep who confirmed that call was reviewed and disputed was closed when I asked her to confirm the account information there was a number missing and i advised this was the issue. I asked her to confirm that the call made on XX/XX/19 was the call reviewed, she stated no the call review was from XX/XX/19 I advised this was the wrong call and the issue happened prior to me calling back on XX/XX/19. she stated she couldn't locate the call in her department and needed to reach out to another department, today XX/XX/XXXX this charge is still has not been credited to my account, I spoke with a supervisor and i advised her to close this card as I have spend hours with this company trying to get {$27.00} reversed that should not have been charged to this account as it was the initial rep who made the mistake not me not there is a balance of XXXX that I requested they credit and they refused.
10/15/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MA
01810
Web
I was making a purchase at XXXX XXXX XXXX when they asked me if I would like to apply for a credit card when making my purchase to receive a 20 % discount on my purchase of some XXXX dollars. I agree. Then they billed me on the credit card I just bought. I took home my item that I would later find defective. It took me a few months to return the item because the store is some ways away from home. In the mean time I got the statement which I did not pay because I had intended to return the item sooner but I had other matters in life. If I paid the first credit crd statement and I returned the item. I would be issued a credit instead of cash. Or at least I though. So I notified the credit card comp [ any of my situation. They agreed to wave the late fee. Then I returned the item and the XXXX dollars was issued back to my account. I received a few more statements over the months and simple threw them away, seeing as I had not purchased anything with the card. I was sent another one last week and opened it to see why they kept sending me statements. I saw they were saying I owed them XXXX dollars. I called them to ask why. They said because I was being charged a late fee on interesest charged off a cancelled late fee. Doesn't make any sense to me. So I am here to complain. The bank that XXXX XXXX XXXX uses is XXXX XXXX. I see many other people are complaining about them as well.
01/28/2022
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
MD
21206
Web
This complaint is for the timeshare company XXXX. I've previously disputed account XXXX XXXX and was deleted from my credit reports from all 3 credit bureaus ( XXXX, XXXX & XXXX ) . However, a new item appeared in my credit report with the same account number XXXX but under a different account name " CCB/XXXX '' and is reporting negative under XXXX only XXXX This is the same account from CCB which stands for " Comenity XXXX XXXX ''. I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down due to this as well. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit.
10/27/2017
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
TX
75093
Web
I was unemployed and missed two payments with this bank on each of my three cards through XXXX XXXX. I made payment arrangements with them for each card. The agreement with them as they stated would also remove any and all associated late fees and added interest for the balance of the cards at the time I scheduled the payment plans for each card as long as each payment was paid as agreed. After the first payments things were paid as my agreement, however payments were never reflected through reporting agencies or balance on cards. I noticed that payments were setup on a temporary account for my first payments on the payment plans. I called in to correct the account to make the withdraw of my next two payments and was told I was all set. Next payment that they tried to withdraw was not processed because they still had n't updated it as requested over the phone and in confirmation from the CS representative. So now all three accounts are even further past due, more collective interest and I 'm over my balances because of all their accumulation of charges NOT MY PURCHASES! This is vastly affecting my ability to get my good credit back and rendering me seemingly helpless getting a better position for work due to my obliterated credit score. This has been going on for weeks and I do n't trust making another payment, updating my information and wasting money that will never apply.
01/03/2017
Yes
Credit card
Closing/Cancelling account
MO
63304
Web
Comenity Capital Bank approved me online for a XXXX visa account. I was sent cards and activated them. I went to use the card not even a week later and was declined at the merchant. I called customer service who advised me that my account had been closed and I would get a notice in the mail explaining why. I have never experienced the revocation of an approval before ... especially after i was just approved. I contacted the Consumer Relations department who informed me of the same and that the bank could close my card at any time. They indicated recent inquiries ( I am working on rebuilding my credit ) as the reason why and that my account was too high of a risk and no further consideration would be made. I expressed concern with the fact that the application should have never been apparoved if that was the case. Now i would have not only an inquiry on my credit, but a short opened account that was then closed by the grantor. I can reasonably explain my situation and have had accounts in good standing with the creditor in the past. My card should be reopened as it was originally approved or all indication of an account removed from my credit report. This " delayed '' risk assessment is a very poor customer experience and the impact to my credit is unacceptable. I would like to continue my relationship with the bank and intend to honor our agreement if they will honor theirs.
02/07/2019
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
GA
30168
Web
XXXX XXXX sold an collection account to XXXX XXXX with out proper legal documentation. XXXX XXXX bought this account from XXXX XXXX XXXX and has no original records or proof of this account.
These two companies have denied me the right to a copy of a signed contract or any proof of who opened this account. Both companies have denied me copies of all accounting of payments and copies of all statements showing on how amount due was calculated. I have sent a notice in XX/XX/XXXX first requesting these documents from both XXXX XXXX and XXXX XXXX and have been denied these documents required by law. It is not XX/XX/XXXX and I have yet to received these documents from either company. They both keep blaming each other and NOT having or providing these documents to me.
XXXX XXXX does not even have a contact phone number on their correspondences they are mailing and sending to the Consumer Financial Protection Bureau how is this a responsible upstanding company? They sold this account fraudulently to XXXX XXXX with out due process, research and documentation.
The reference numbers below show and prove that I have requested this from XXXX previously and they did not provide the documents requested according to FDCPA laws and guidelines XX/XX/XXXX XXXX XXXX XXXX Account Ending In XXXX Ref No. : XXXX XX/XX/XXXX XXXX XXXX XXXX Account Ending In XXXX Ref No. : XXXX Ref No. : XXXX
03/14/2017
Yes
Credit card
Identity theft / Fraud / Embezzlement
MD
20854
Web
In XXXX 2017, my identity was stolen, and used to open a series of fraudulent credit cards. One of them was a " XXXX '', issued by XXXX. Having contacted them and explained the fraud, they informed me that the identity thief had been granted immediate credit in excess of {$1000.00}.
Instead of immediately closing the account and expunging the debt in accordance with FTC and consumer law, I was informed that the account would remain open for up to 90 days, during which time the fraudulent balance would still stand. I would still be billed, and would still be found legally responsible for this fraudulent debt in my name. No other credit card company took these ridiculous steps, even those for which the falsely obtained debt exceeded {$3500.00}. As I have no intention to pay debt for which I am not legally responsible, and it was indicated that the matter would remain open for 90 days, it is now a real concern that this matter would adversely affect my credit report.
I have already filed a separate FTC complaint regarding the theft as a whole, but the actions of XXXX in particular currently stand as a real and pertinent danger to my credit, all because the organization refuses to take responsibility for their facilitating the theft. It is my hope that they can be made to comply with the law, fully and completely cancel the fraudulent account in my name, and erase the debt.
06/26/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MA
02048
Web
I purchased a watch in XXXX of XXXX I financed using the interest-free finance plan advertised at the store. The issuing credit card company ( Comenity Bank ) set up my automatic payment with the understanding that I wanted to pay in the time frame allowed to take advantage of the interest free financing. For over a year, I paid the required amount on a monthly basis ( it was {$130.00} a month, due on the XXXX of the month ). My last payment was much smaller, the final balance was {$15.00}, which was also paid via automatic payment on XX/XX/XXXX.
On XX/XX/XXXX, I received notice that the balance was paid.
On XX/XX/XXXX, I signed into the account to make sure that it was closed. I found a balance of {$200.00}!
I called Comenity Bank and they told me that the " window '' closed on XX/XX/XXXX and because I had a balance of {$15.00}, they were charging me {$200.00} in finance charges!
They agreed that they set up the due dates and automatic payment and they acknowledge that the due date and automatic payment was set up 4 days after the " window '' - so that I would be hit with the late charges.
Several customer service reps agreed on the phone that this was ludicrously unfair, but state that they could not help me. Eventually I found a manager that granted me a {$50.00} credit, because she also understood that this is grossly unfair. That is not an adequate solution.
04/24/2019
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
CA
90622
Web
I opened credit card with XXXX XXXX on XX/XX/XXXX. I made purchase for {$34.00}. I made payment through XXXX XXXX using my checking account. I had enough money in my bank account at this time. XXXX XXXX did not send the money to XXXX XXXX, It was the fault of XXXX XXXX not me.
XXXX XXXX added late fees with no right, Does the law at CA allow to add late fees with all these amount with no rules? I requested to close my account with XXXX XXXX and removed any errors on my credit report. It hurted me without doing anything. On XXXX, XXXX, I contacted with customer service at phone, the representative was very rude and aggressive, he did not help me at all.
On XX/XX/XXXX, I called XXXX XXXX, I talked with XXXX, her employee no was XXXX. I explained that I made my payment for credit card on XXXX, XXXX, XXXX XXXX didnt send the money. It was not my fault, it was the fault of XXXX XXXX. XXXX XXXX added many late fees with no right, I couldnt financially pay it plus it was not my fault.
On the same day, I made payment for {$51.00}. XXXX promised to move all late fee, I closed the bank account.
The XXXX XXXX sent errors about missing payments, would you please remove it?
I asked XXXX to remove the errors from my credit report, she told me that she did not know, I wonder how they reported me by mistake and did not how to fix it. Please help me to remove it from credit report.
09/23/2018
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with rewards from credit card
MD
20876
Web
As I had filed a complaint regarding XXXX XXXX XXXX XXXX rewards program, refusing to give points for my purchase {$59.00} and credit account balance CFPB # XXXX. Now XXXX XXXX XXXX XXXX changed the Order Number : # XXXX receipt transactions is " blank '' not identifying products purchased ( see Attached ).
However, the original receipt of purchase Order Number : # XXXX shows what I ordered and identifying the products purchased {$82.00} I ordered boots and {$84.00} I ordered perfume which is a third party and {$59.00} was the reef and leggings which XXXX XXXX XXXX XXXX did not give me any points.
XXXX XXXX got rid of fragrance and perfumes on the website ( See Attached ) which is a third party company XXXX. I believe they are trying to hide something and be deceitful because I filed a complaint against their rewards program, refusing to give me points toward my purchase of {$59.00} leggings and reef and my account credit balance which is wrong, it's not {$100.00} which someone is stealing my credit. Then they erase the perfume and boots I ordered please see receipt # XXXX and erase perfume and fragrance from the XXXX XXXX website ( see attached ) to hide their dishonesty and deception on my orders, stealing my credit and rewards.
XXXX XXXX XXXX XXXX keep changing the rewards report acting retaliatory and belligerent not consistent with their on terms and conditions.
11/30/2020
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
NY
10011
Web
This complaint is in reference to Comenity XXXX, services offered by XXXX XXXX Bank via their XXXX Credit card plan. I had a balance on the XXXX Credit card of {$4600.00}, I made a significantly large payment of {$2900.00} to my account in XXXX to pay off my outstanding expiring plan in full to avoid paying accrued interest, in addition to a small monthly minimal payment minimal payment. The company in my opinion purposely did not apply the payment to the charge I intended to pay off in full and instead charged me in my most recent statement {$1100.00} in interest charges for not paying this balance in full, despite the fact that I had. This company purposely buries late fees and charges to catch their customers from their home screen dashboard, it is very unclear what's going on in the account. In addition, there system is poorly managed so something like this can happen and one can not purposely direct their payment to pay off the correct balance and prevent this misapplication. I called the company and spoke with XXXX XXXX # XXXX to fix the situation and have my payment applied as intended, they did not work with me to correct the payment. I think this company is fraudulent, purposely hides payment dates, leaves their customers on long call wait times and does not communicate to their clients their potential late fees and charges. Their home screen is very misleading.
01/21/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
FL
32746
Web
In XX/XX/XXXX, I pullfed my credit reports and found an a writtenoff account from Comenity capital Bank. I called XXXX XXXX asking for clarification and any documents they had that proved I authorized this account. They explained that a written request had to be submitted and provided me with the mailing address.XXXX XXXX XXXX XXXX , OH XXXX. They also stated that I should send attention to Clerk of Record.
On XX/XX/XXXX, I sent a request to Comenity Capital Bank requesting documentation that proves I authorized the opening of this account.
On XX/XX/XXXX, I received a letter, from Comenity Capital Bank, stating thatthey received my requested for validation and confirmed that the information is accurate. The letter also explained that I would need to provide a supeona in order to request application records.
I sent a second letter on XX/XX/XXXX, clarifying that I was not asking for verification/validation and that I only wanted account origination documents. I also asked for all the evidence reviewed for the accuracy of their reporting.
I have received no other responses from Comentiy Capital Bank. I made another phone call to them today, XX/XX/XXXX. I spoke with XXXX, in the Account Protection Dept. at XXXX XXXX est.. She explained that she didnt see any past requests on record for me and provided the request for records mailing address I used in my inital letters.
06/24/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
CA
92606
Web
This issue is the account for the purchase of {$15.00} on XX/XX/2019. The purchase was misleading and threatening. The check-out lady told me if I APPLIED a credit card, I will get a discount. She did not explain in detail, I was being charged with this card and I need to pay it off later. Even, I remembered, I swiped my debit card when I checked out. This is my 1st credit card I ever applied, and the fault was with Forever 21, I did not even know I was being charged or put into a credit card loan.
Also, the charge was ridiculously more than triple with interest after a couple of months. I still remember, it was XXXX of the purchase and after couple months, I paid more than XXXX dollars at the Forever 21 's XXXX CA store after a month, and then another more than XXXX plus dollars I paid after another month or so at Forever 21 XXXX store again, saying I paid in short. When I think back, it is absolutely a fraud or robbing, plus threatening. Forever 21 's credit card company : Comenity Capital Bank, is using Fico Score system to threatened and charged high interest money making system for themselves. When if you owed them a little money, they will try to double or triple, and at the same time report to credit bureau to ruin your Fico Score. OR, they should held responsible to my credit score and life, for any of my future home and car financing with higher interest rate.
05/18/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
AZ
85226
Web
XXXX. The following personal information is incorrect XXXX Date of inquiry : XX/XX/2021 Please investigate and delete from my credit report.
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report.
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
XXXX. XXXX Account XXXX CARD Account XXXX : XXXX Please investigate and delete from my credit report.
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
05/07/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
11201
Web
I've been in contacting Comenity/XXXX since XX/XX/XXXX about a dispute with XXXX on XX/XX/XXXX for a hotel. I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX due to an infestation. I had XXXX days left on my vacation but I ended up booking an XXXX for the remainder of my time. Every time I contact Comenity/XXXX they close my dispute ( XXXX ) claiming I don't have enough information. I've typed out what exactly happened with dates, sent in pictures from XXXX saying that I would be reimbursed for the remainder of my stay and that the property XXXX agreed to that, and of course, after I check out it's a different story. The burden of proof is on Comenity/XXXX 's customers. Even when you send in proof they still force you to provide more documentation. At a certain point I assumed they would ask me for video footage of me checking out of the hotel! They claim you can dispute via message feature on their site however every time you send a message they force you to send more information that you already sent and tell you to print it out and send it via snail mail. I'm out almost {$700.00} because they refuse to actually look into the situation. I was told their job isn't to dispute inaccurate charges but to dispute fraud and that I need to work it out with XXXX even though they XXXX through their teeth and they allowed the hotel to keep funds that didn't belong to them.
01/28/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
CA
92653
Web
I recently ( to be an exact XXXX of 2020 ) purchased some material to remodel my home from Floor & Decors Branch in XXXX XXXX, CA and at the cashier, they offered me 0 % financing for 1 year to be paid in full. I found it attractive and I took the offer and started to make payments on the loan ( {$4500.00} ) until recently when the 1 year passed and I noticed there was a huge finance charge of {$1300.00}. was added to my remaining balance of about {$1600.00}. when I called Floor & Decors Financing they told me, since I did not pay all of the balance in full then I had to pay interest of 29.9 % on all original balance of {$4500.00}.
I pleaded and I told them that that was not disclosed to me at the cashier, all it was explained to me was the 0 % financing for 1 year, and no detail was explained and it is so hard to read or no chance to read the small fine print where there is a line of people behind you to check out, on the receipt that confirmed the interest rate will be applied on all original balance. it is so deceptive and I think it is planned to get you to pay 30 % financing!
I reached out to Floor & Decors several times but they declined to credit me back and they did not except to charge finance on the balance remaining only.
I paid the balance off including the 29.9 % fiance charges but I am seeking help to help me to stop Floor & Decors on deceptive practice
11/07/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
TX
78752
Web
Dear XXXX XXXX, I have a credit card with XXXX XXXX. I made payments on time, but after XX/XX/XXXX payment, I had a hardship. I miss some payments. On XX/XX/XXXX, I contact XXXX XXXX and talk to a representative about my credit card trying to take it out of the red. Well, the representative helps me in the wrong way. Instead of me paying a {$170.00} in XX/XX/XXXX and {$30.00} in XXXX and leaving a XXXX balance that I owe because it was {$35.00} instead of {$30.00}. There was a balance credit before I made that {$30.00} payment on my XXXX XXXX card while still in the store I try to make a {$3.00} purchase on my card and it declines. I was upset and embarrassed at the same time. My XXXX started to hurt while in XXXX XXXX store. I went to see my doctor the very next day. This have became to be unhealthy for me. After making payments I was told that I can't file for hardship, because my account is in good standing and I don't qualify for hardship. I miss 6 payments, because I was sick and lost my job. Why didn't a representative tell me about the hardship program, before a family member made this {$170.00} payment for me. I'm still lockout of my online account online and card. I just talk to a hardship representative today, XX/XX/XXXX at XXXX in central time and was told that I dont qualify for hardship anymore because my account is in good standing.
Sincerely yours,
11/02/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
NM
87124
Web
Servicemember
As an employee of this company, part of my job was to try to sell customers a 3rd party product called XXXX XXXX. I actually believed in what I was selling people and added XXXX XXXX to all 5 of my accounts with them. So, every month my statements would reflect the amount of the current balance that paid for the XXXX XXXX, based on the dollar amount owed on the card itself.
This was supposed to protect me and my credit should I not be able to make my payments. It would either make payments until I could go back to work or, in the event of complete and total XXXX, pay off the balance owed on the account.
I was injured in XX/XX/2014, and I was never able to return to work. I am now considered XXXX XXXX XXXX through the Veterans Administration. I reached out to Account Assure when I was no longer unable to make the payments, at that time I was still on short-term XXXX insurance through the company. I submitted everything that was requested and they never stepped in to help.
Both the creditor and the 3rd party knew that I had the coverage. Every billing statement bore that out. Even though I was led to believe that the creditor was going to assist me in getting XXXX XXXX to provide the coverage that I had been paying for, instead they simply turned over the two accounts with balances for collections and then closed the 3 other accounts which were in good standing.
01/27/2019
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with rewards from credit card
AL
35216
Web
I purchased over {$2000.00} in furniture from XXXX XXXX using the store credit card issued by XXXX XXXX on the promise that I would receive {$200.00} in rewards I could use at XXXX XXXX. We ordered the furniture in XX/XX/XXXX, our card was charged on XX/XX/XXXX. As you can see from the attached statements, we had a {$25.00} reward certificate with the XX/XX/XXXX statement and an additional {$170.00} certificate with the XX/XX/XXXX statement. However, when I tried to redeem them I was told that the account had been closed and the {$170.00} certificate was no longer valid. I was not notified that the account was being closed or that the certificate was no longer valid. I contacted XXXX XXXX and they referred me to XXXX XXXX as the card issuer. When I contacted XXXX, they told me the account was closed and as a result, the most recent certificate was no longer valid. I did not close the account, it was still active and carrying a balance, and in good standing. The account will be paid to zero on the next due date, XX/XX/2019, and I don't understand why if I can make payments on the account I can't use an unexpired reward certificate. This is unacceptable. I expect either a store credit or for the certificates XXXX has already awarded to be honored. XXXX has been completely uncooperative in resolving this or even explaining why an active account was closed without notice.
11/18/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Received unsolicited financial product or insurance offers after opting out
WA
98368
Web
In the early morning hours of Wednesday, XXXX XXXX I was shopping on XXXX. I decided to purchase a small item. When XXXX brought up the payment page, I had the options to 1. buy & pay using my normal paypal account 2. buying and then paying with Paypal Credit , which I do not have.
I checked the latter box by mistake. I remember a pop-up that stated if you pay for an item with " paypal credit '' you are basically applying for a paypal line of credit. I did not want that, so backed out of the purchase. On my XXXX account there is no record of purchasing the item.
On my paypal account, it immediately showed that I now had a line of credit of {$7500.00} with paypal. I emailed paypal and told them I did not initiate this account and would they please close it.
The next day I received an automated email response from paypal, which did not address my concern. So I call paypal. They did close the account, but in the mean time I was alerted by XXXX XXXX of an inquiry on my credit ( note : this happened after paypal 'gave ' me the line of credit ). I told the customer service rep that I wanted that inquiry removed as I did not authorize any of this. They said they would not do that as this is not a fraud. Well I think this is fraud as I never applied for this line, let alone authorized them to check my credit.
The companies involved are : XXXX XXXX Bank/PayPal Credit.
12/07/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
NC
28036
Web
Wayfair terminated their contract with Comenity Bank on their Wayfair store credit card. Consumers were provided a letter in XXXX advising account holders that accounts would be closed due to the termination of the contract between Wayfair and Comenity. Because of the way it is being reported to the credit bureaus, it has drastically reduced my credit score. Their prior credit card holders are being negatively affected, in the middle of a global pandemic, due to a business decision between two corporations.
All of my payments have been made on time, taking advantage of the no-interest financing. Regardless of my exceptional payment history, my score has dropped 75 points due to their decision.
I am asking that this be reported differently to credit bureaus when it is no fault of the account holder. There should be the ability to show the account closed due to the contract termination between a retailer and their credit card company. See note below. It is not just an inconvenience, it severely damages consumers ' financial health.
" The Wayfair Credit Card Program, issued by Comenity Bank, will be ending. You can use your Account through XX/XX/XXXX. However, rewards that you've earned through XX/XX/XXXX can be redeemed until XX/XX/XXXX. For any questions, please contact Comenity Bank Customer Care at XXXX ( TDD/TTY : XXXX ). We apologize for any inconvenience. ''
02/19/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
NY
11434
Web
I am writing your company today to inform them of the violation of my rights under the laws put in place by congress to protect the consumer. Your company is in direct violation of the Fair Credit reporting act. Section 603 ( 2 ) states the exclusions of the things that should not be reporting on a credit report. A consumer report does not include the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer. Not only that, but it is also a defamation of character reporting this information on my consumer report which pertains to a violation under the FDCPA. My lawyer has told me that these violations are subject to litigation and payment of up to {$1000.00} for each violation. This information comes directly from the 15 USC 1681 so understand if you disregard this information, you are in direct violation of Federal law.
03/10/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
NC
28467
Web
Older American, Servicemember
Yesterday, I received an email from Comenity Bank in reference to a Zales Diamond Card that I have had for a number of years. I've always paid my card in full and I don't use it often. The email was notice that unless I use the card at least once before XX/XX/XXXX, Comenity will close the account. I don't have a problem with them closing it, honestly. The troubling part of the email was the threat that they made to report the closure to credit bureaus negatively ( it being widely known that an account shown as " Closed by Creditor '' is detrimental to credit ratings ) as quoted following : " Thats why were planning to close your account on XX/XX/2020. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed. '' I have sent them a letter requesting that they close the account but that they report it as " Closed by Consumer '' to the credit bureaus. Hopefully, they will do as I have asked.
This approach seems heavy-handed to me and I question the wisdom of creditors being allowed to encourage consumers to unnecessarily use a credit card. I think that a better way for creditors to handle this type of situation would be for them to offer to close an unused account and show it " Closed by Consumer '' instead of encouraging consumers to use a card to avoid a negative entry in their credit reports.
09/12/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
WY
82001
Web
Servicemember
I have tried on several occasions to dispute a debt with XXXX XXXX XXXX that does not belong to me. When I pulled a credit report about 3 months ago while trying to purchase a home I was made aware. I disputed the account with all 3 credit bureaus in XX/XX/2018, XX/XX/2018, XX/XX/2018 and have made a 4th attempt on XX/XX/XXXX. Each time I am being advised that the account was verified. However, I have request for the verification proof to be mailed to me which I have not received as of XX/XX/2018.
I have provided police reports as well as documentation from the Federal Trade Commission to which the creditor keeps ignoring. At this point I am reaching out to CFPB in hopes that you can assist with getting this erroneous/fraudulent account removed from my credit bureau reports. Furthermore, all of the information related to this account and does not belong to me.
Lastly, this creditor has never made any contact with me via mail, phone or email until after the debt was disputed in XXXX. At that time I was asked about an alternate account with XXXX XXXX XXXX XXXX and XXXX XXXX. The bank advised they were already aware of Fraud activity but never closed the accounts and advised they had mailed communication I never received. Even after communication back in XXXX, I was never advised of a late payment, an open/closed account, or any collection letters or phone calls.
06/12/2018
Yes
Debt collection
Credit card debt
Communication tactics
You told them to stop contacting you, but they keep trying
GA
30022
Web
Servicemember
I have been contacted over 100 times by XXXX XXXX after I provided them with the extenuating circumstances regarding our daughter who was hospitalized over 34 Days in ICU and sent them a letter on XX/XX/XXXX. I also, set up arrangements and told them they would be paid and I would recommence the payments. However, when a representative called me on last Sunday night before XXXX XXXX, I told her to stop calling my phone and stop contacting 3rd parties regarding my debt. They have not only been calling me but also reaching out to my brother who I did not give them permission to contact, nor do we understand how they obtained his relation and contact information. It is illegal to contact 3rd Parties. After I told the representative not to contact my phone on late nights with repeated calls, the next business day I received a retailitory act from XXXX XXXX. They spitefully closed my account after this call with the representative on last Sunday evening - XXXX XXXX weekend. Beyond that, on last evening - XX/XX/XXXX, a XXXX called repeatedly from Ext. XXXX and also again illegally contacted a 3rd Party regarding my XXXX XXXX with XXXX XXXX. I am requesting that XXXX stop their Harrassing & Threatening Tactics stating they will file Legal Actions, and threatening me on several occasions. We have a daughter who is XXXX and we need you to stop your Harrassing tactics!
06/02/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
91384
Web
On XX/XX/XXXX, I opened a new credit card with XXXX XXXX XXXX through XXXX XXXX and made a purchase of two items from XXXX in the amount of {$100.00} Unfortunately, the items did not work out for me and I made a return of one of the items in store in the value of {$36.00} on March 18 of 2018 and received a refund of that same amount. On XX/XX/XXXX, I made a return of the second item in store in the value of {$71.00} and received a return receipt showing my expected refund of ( - {$71.00} ). I waited for more than 3 weeks to receive this money back on my credit card as a refund but never did. I contacted the credit card company known as XXXX XXXX and they stated that I would have to file a charge dispute and fax them a copy of my return receipt so that they refund me the money. I did exactly that. About 2 weeks later, I received my money back and when I did, I called XXXX XXXX and closed my account with them. I was highly dissatisfied with their service and attempted FRAUD.
On XX/XX/XXXX, I received a new statement from XXXX XXXX in the amount of {$71.00} after I had already closed my account with them. I immediately called them and they stated that the dispute, which I had submitted a month earlier, was declined and that I have to pay {$71.00}. I believe this is FRAUD - I have my receipt to prove that I returned this item and should have received my refund back.
11/06/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
OR
97045
Web
Older American
On XX/XX/2021 I was charged {$19.00} for an annual club membership from XXXX XXXX to their store credit card by Comenity bank. I did not subscribe to their service. I have for the past three years had to call XXXX XXXX and dispute this charge.
I originally called XXXX XXXX on XX/XX/2021 to have the charge removed. They said they did not know what the annual club membership was and could not remove it. They then transferred me to another department, but that department could not help either. I was transferred multiple times to different departments, none of which could help resolve the issue.
On XX/XX/2021 I called Comenity Bank and disputed the charge. They told me to wait a few days for XXXX XXXX to respond. While on the phone with Comenity Bank, we called XXXX XXXX together and tried to resolve the issue. We were transferred to multiple departments, none of which could remove the charge- with the agent from Comenity Bank on the phone.
On XX/XX/2021 I called XXXX XXXX again and was transferred to multiple department. Finally one agent told me that the claim had been dismissed. I still have not received a credit from XXXX XXXX and do not understand how my complaint can be dismissed when I have asked for a refund multiple times.
Since then, I have been charged late fees ( {$21.00} ) and XXXX XXXX still has not refunded the amount for the club membership.
02/26/2018
Yes
Payday loan, title loan, or personal loan
Title loan
Charged fees or interest you didn't expect
TX
77479
Web
Dear sir, In the month of XX/XX/XXXX, we purchased furniture and " XXXX XXXX XXXX ''. They provided consumer financing advertised as 0 % APR for the first one year financed by XXXX XXXX.
We availed that option, and within the first year, we were able to pay-off almost all of it. We were left with a balance of {$190.00} end of the year.
While we were expecting that there will be only interest charged on the remaining balancing going forward after the 0 % APR expired, we were surprised to get charged a amount of {$670.00} as accrued interest on the account for all previous year 's balances, which we left very unfair.
There was no verbal disclosure of any sort about it when we purchased it at the store, and even in the last statement that comenity bank mailed us, they did not disclose range ( $ XXXX- {$700.00} ) of the amount they were going to charge as accrued interest, if the payment is not made as of the last day. If their computers can print all the account information item wise, they should have the capability to print the range of accrued interest if the payment is not made. I overlooked their statement as it did not shoot out of normal, and when I called the bank, they declined to take the charge out of the account.
As of yesterday or XX/XX/XXXX, I paid the account in full, but I ask your help in getting this reimbursed back.
Thanks XXXX XXXX XXXX
10/06/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MN
55082
Web
Hello On XX/XX/2019 I purchased a product from a merchant that was not what I received. Upon learning the product was not what I had purchased I contacted the merchant directly to the best of my ability. The merchant did very little to respond to my inquiries for a refund and constantly changed the email address they wanted questions directed to.
After being unable to work with the merchant directly I began the dispute process with my credit card issuer by notifying them via email and then by mailing in my dispute at the end of XXXX.
I was hoping to leverage the Fair Credit Billing Act to help me resolve this dispute. If the merchant sends you a different product than what you ordered it may be subject to a charge back.
The product I purchased on XX/XX/2019 is not what I was being given 1 month later.
The merchant eventually did release a generic statement and " partial refund '' but still refused to work with me on a full refund stating their no returns/refunds policy.
While this policy is valid I still feel I am to be protected under the Fair Credit Billing Act as I did NOT receive the product I ordered.
Had I known of the changes that would take place one month later I would not have purchased this product.
My credit card issuer is stating the no refund policy overrides the Fair Credit Billing Act even though I did not receive what I purchased.
12/27/2018
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
IL
60645
Web
I have 6 XXXX backed credit cards ; XXXX acct ending XXXX, XXXX 's acct ending XXXX, XXXX acct ending XXXX, XXXX XXXX XXXX acct ending XXXX, XXXX XXXX acct ending XXXX and XXXX acct ending XXXX. I've had all 6 XXXX backed credit cards for several years with an excellent payment history but, 5 out of 6 of my XXXX backed credit cards credit limits were lowered/ and decreased without notice. I didn't have any past due payments on any of my credit cards with XXXX and my credit file with XXXX, XXXX and XXXX hasn't changed. I don't have negative payment history with any of my other credit obligations. I don't know why my credit limits were decreased. I have also been unable to obtain a credit limit increase with my XXXX backed credit cards while prior to the decrease I was always able to get an increase. The credit limit decreases from my XXXX backed credit cards has ruined my positive payment and overall credit history while my other credit obligations continue to reward and increase my credit limits. My credit took a big hit negatively after the lowered limits were reported. I would like more information regarding the reason for the decrease because I've never received notification of the decreases. I would also like a reconsideration of possibly restoring my credit limits on all my XXXX backed credit cards based on my excellent payment history and loyalty.
11/30/2020
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Sued you in a state where you do not live or did not sign for the debt
AZ
86005
Web
Commenity Capital Bank has sold a number of credit card accounts that were fraudulently obtained and used in my name to a company called XXXX XXXX XXXX. Commenity sold these accounts knowing they had failed to provide proof of debt. In fact after ignoring numerous proof of debt requests they began stating that they had " sold the accounts '' which was in and of itself a fraudulent action given that they knew they were contested due to being fraudulently obtained.
XXXX XXXX XXXX also failed to provide proof of debt, stating they would obtain that information from the original creditor. They did not not instead they wrongfully filed a lawsuit in the Second Division District Court of XXXX, XX/XX/XXXX The first I learned of this lawsuit was on XX/XX/2020 when I received a notice of their voluntary dismissal.
They have been properly provided with affidavits, police reports, and FTC Identity Theft reports. In contrast they have never supplied anything I requested of them in terms of proof -- rather they negligently proceeded with a law suit without evidence in order to harass and intimidate me.
If this debt were real they would have signatures on a contract. They would have an accounting for how the debt accrued. They would have itemized charges since it is a credit card debt. However, Commenity and XXXX have never been able to provide any of that information.
01/17/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
FL
33160
Web
On XXXX, I contacted the credit information furnisher Comenity Capital/XXXX via certified return receipt letter, disputing the information on my credit report in all three bureaus. The credit company received my dispute letter on XXXX. I received a response letter stating that the account was sold to another company and verified as accurate but failed to provide a verification of my signature to validate that this account belongs to me. After the expiration of 30 days since the date of receipt of my letter, on or after XXXX, I pulled my credit report and discovered that credit furnisher violated section 623 of FCRA by failing to report to credit bureaus as being disputed.
On XXXX, I mailed a second letter to Comenity Capital/XXXX requesting to remove my account from the credit report agencies due to their violation of section 623 of FCRA, making a good will attempt to resolve this issue amicably. The creditor received my second letter on XXXX and prior to expiration of 30 days, replied that the account was sold and verified as belonging to myself without providing any proof of my signature that makes this account my liability. To this date, the account is still appearing on my credit report and unfairly causing me financial injury and damages my reputation.
I keep the paper trail of all written correspondence on file and can provide it per your request.
04/15/2020
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
TX
77573
Web
On XX/XX/XXXX I made a payment on my Victoria Secret CC of {$500.00} my original credit limit was {$600.00}. Around XX/XX/XXXX and XXXX Comenity Bank did a soft pull on my XXXX credit report and decreased my credit limit to {$150.00} without my acknowledgement. When I call VS and Comenity Bank no-one could give me an answer behinds they did a promotional soft pull. They informed me that they sent out a letter explaining the decision. I never received a letter from the Bank of today XX/XX/XXXX. I have a block on my XXXX Report for promotional purposes so no-one can run my credit to determine whether to increase or decrease my credit limit. This has caused my credit score to decreased by 57 points which is hurting my credit reporting because they lowered my credit limit. I am beyond upset that they would do this right after I made a huge payment on my card. Comenity did a soft pull on my credit on XXXX XXXX and XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. During these soft pull my credit limit was not changed, because my balance was at the maximum credit limit. I have tried to talk to both VS and the Bank and they just hang up on me. Please help me with this issue because I can't seem to get an answer or resolution. This is a violation of my consumer rights and they don't seem to care.
08/28/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
CA
92037
Web
On XX/XX/2018 I made a purchase at XXXX XXXX for a total of {$17.00}. I inadvertently missed my payment which was due on XX/XX/2018 due to being in XXXX. I was charged a fee of {$17.00} plus {$2.00} interest for a total of {$19.00}. On XX/XX/2018 I was charged an additional late fee of XXXX and XX/XX/2018 an interest charge of {$2.00}. On XX/XX/2018 when I go back stateside XXXXXXXX XXXX received a payment of {$62.00}. I called XXXX XXXX on XX/XX/2018 and after explaining the situation in addition to the fact that I have a good history th I was credited the following amounts by customer service. I was also told that this would not be reported to the credit bureau as they do not report until a payment is more than 90 days late.
I was credited by XXXX XXXX the following amounts XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX Which currently leaves my card with a credit to my account of - {$45.00} New balance Minimum payment - {$45.00} DO NOT PAY Currently all 3 credit reporting agencies including XXXX, XXXX and XXXX are showing that I had a late payment 30 days to 90 days despite the fact that I was told that this would not be reported to the credit. The three credit reporting agencies are also showing that my balance is {$0.00} instead of XXXX XXXX owing me {$45.00}.
01/16/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NJ
08731
Web
Servicemember
In XXXX of 2017 I applied for a XXXX XXXX Credit card and got approved. After I was approved I purchased a few items and then had a bill the following month. I went to pay the bill and XXXX XXXX charged my checking account twice, so I called the company to ask why. While speaking to a customer service representative the individual began yelling at me and speaking to me in a very vulgar way all over me asking why I got charged twice and why he could not help me figure out why. I brought up the situation to a manager and she said, '' oh well, there is nothing I can do about it. '' I was then charged two fees. I refuse to pay these fees due to the fact that I paid my bill and under their negligence I got charged twice. Then in the midst of this my husband who is in the XXXX got orders to move to another state. For two months I did not have a job and had no place to live since we had to find a house in the new state we got stationed in and I had no luck finding a job. I was unable to pay my bill and tried to reach out to a customer service representative and once again they were of no help and rude as ever. Now I have penalties against my account and my credit score and I do not feel this is right and this company needs to work on treating their customers better. Never have I ever been yelled at and disrespected by a customer service representative until then.
09/28/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
90501
Web
I had a XXXX XXXX credit card that I did not use very often. I notice that I owed around {$80.00} and as soon as I saw it was due I paid it 1 day late the full amount and paid off the card. I get a statement weeks later for {$31.00} in late fees which is ridiculous and a rip off. I called them to let them know I paid the card off and I do not want to pay a late fee for a payment I made a day late. They offered to deduct {$15.00} of it and I told them I did not want to pay any of it. Again, they told me that XXXX XXXX isn't offering any negotiations and the best they can do is deduct {$15.00} of the {$31.00}. I told them again, I do not want to pay for air and I should not have to pay for this fee since XXXX XXXX is no longer. They put me on hold for about 5- 10 minutes and hung up on me. I called back right away explained again, the situation and they stated they could not do anything about it. I asked about the {$15.00} deduction and now that doesn't exist. They told me that is not an option. I told them they are ripping me off and I refused to pay it. I received another statement for {$64.00} and again, I called them to discuss this, they put me hold and hung up. Meantime, they have been calling me 3-5 time per day for the last two weeks and I am also complaining harassment over {$31.00} for nothing!!! Now {$64.00} in interest fees again for nothing!
03/31/2020
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
MN
55045
Web
Via utilization of my XXXX store card ending in XXXX, issued by Comenity Bank, I purchased an article of clothing in the amount of {$21.00}. As the item proved too small, I returned it for a refund which - per the attached - XXXX credited to my store account.
In an effort to accommodate Comenity Bank, I had agreed to go " paperless ''. Unfortunately, I never received an ( e ) statement - perhaps it went into Spam? - and so my account went into past due status. On discovering the problem, I contacted Comenity Bank and agreed to a direct transfer of funds in the amount of {$22.00} - which included a small amount of interest - to settle the account. Subsequently, my bank - XXXX XXXX - made the transfer from my account ending in XXXX on ( or about ) XX/XX/2020.
I've now received the attached letter from Comenity Bank stating it can not issue me a new store card " due to the status of your ( my ) account ''. Thus, they are denying me the {$21.00} credit balance - via the refund from XXXX - on my store card. Irrespective of Comenity Bank 's insolence, I am entitled to the credit balance on the account ending in XXXX. What's more, I feel I am entitled to some reasonable amount of damages.
( Fyi, I just finished applying for a mortgage loan. In that process I learned my XXXX score is XXXX. One doesn't merit such a high score if you don't pay your bills! )
03/10/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CA
94965
Web
I received my statement and noted that despite paying off the balance of the credit card, I was charged a {$29.00} " return fee ''. I had paid the balance owed through the credit card payment portal where I entered bank account information and submitted. I subsequently received a letter by US mail that the payment could not be processed online due to a glitch in the system so I reinitiated payment and the funds were deducted from my bank account.
On XX/XX/XXXX -- I received the statement and called the customer service number to determine the reason for the fee since payment was not returned through any fault of mine but rather due to system glitch. I was told that because I mis-input my bank account number, the payment failed and I would be penalized with a fee for that typo.
I was further told there was no way to waive or dispute the fee.
I note that there is no disclosures on the payment portal informing customers that incorrectly providing wrong account number could result in a fee. In fact the fee itself is not disclosed anywhere on the website. Moreover, the terms and conditions for the credit card do not include this information or mention of this fee.
Assessing a fee on a consumer account that is not previously disclosed in clear and conspicuous manner is contrary to many federal and state regulations including CFR 12 Part 1026 ( Reg Z ).
07/04/2020
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
GA
30038
Web
I disputed an account that XXXX XXXX/ Comenity placed on my XXXX, XXXX , and XXXX credit reports. This account is a duplicate of a XXXX XXXX XXXX account that is also on my credit report. I received a letter by USPS in the mail dated XX/XX/2020 from XXXX stating that I had already paid them {$150.00} ( 6 payments displaying for 2020 ) and that I should continue to pay this debt. I have never had any contact with XXXX and this letter represents 1st contact. I'm sure the impetus for this letter was my current credit dispute. To be clear : I HAVE NEVER PAID ANY MONEY TO XXXX as they are reporting by mail and wire. I have continued to pay Comenity and will provide the ACH/ Wire information regarding these payments. I have no familiarity with XXXX and their involvement in this account and the XX/XX/XXXX statement represents first contact. This is clearly an FCRA violation and possibly fraud by mail and wire.
It's unsure if Comenity is aiding XXXX in committing consumer and credit fraud or if they are victims as well. XXXX has continued to report the duplicate account monthly by wire and mail showing payments to XXXX. XXXX could only claim the reported information and the lie associated with it, if receiving information from Comenity. It seems that both companies are conspiring to violate FCRA rules by duplicate, inaccurate, and willful fraudulent reporting.
03/31/2017
Yes
Debt collection
Credit card
False statements or representation
Attempted to collect wrong amount
GA
30907
Web
I opened a XXXX credit card back in XX/XX/XXXX, in XX/XX/XXXX, after losing my job, I became delinquent in my account causing it to charge off. Once I became employed, I tried to make my wrongs, rights by paying off my debts. In XX/XX/XXXX, I made contact to the collection department of comenity bank. I was offered by the representative if I paid the settlement amount, he verbally agreed to remove from my credit report. So I gave him the payment information and he said that my report would be updated 30-45 from that date. Instead my account updated to paid in full. I 'm very grateful for that HOWEVER I was lied to just to get my money and because it was a verbal agreement, it 's Comenity Bank word against mine. I was told it was a recorded line but out of the numerous of times thru out the years I 've call, I get different answers, they refuse to pull the phone call stating they do n't keep phone records that far back or not every call is recorded. I 've heard it all. On top of that, they will not give me the agents name or who I spoke to. I agreed to pay which I did and they agreed to delete which they did n't. Many consumers that I 've spoke with has had the same problem dealing with this bank, they do n't stand behind what they say and as someone that is trying to build a future, it 's hard to have this disappointing credit line on your credit report.
09/18/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MD
21236
Web
I spoke with someone from XXXX comenity in XX/XX/XXXX by phone that I was not receiving my statements. She stated it was going to the incorrect email address and corrected the issue. At that time, I had a late fee so she credited the late fee for me. Again I am not receiving my notices and the email address provided is the correct email address that I am receiving all of my other comenity statements to make payment, such as the XXXX card. I contacted the bank yesterday to advise them that I am not receiving my statements causing me to incur late fees every month, although I make a payment possibly the day after every time. I inquired about having the funds automatically taken out each month so that I can avoid these late fees racking up on my account. They informed me that they do not offer that type of service and it is nothing they can do about the late fees. So, as of today, I believe I have two or three late fees on the account that are not really my doing and it is nothing they can do to prevent it. I just want some type of convenience or to have the late fees waived since there is nothing they can offer me to make sure I receive my statements by email on time or have payment automatically drafted. I spoke with my personal bank who can automatically send the payments for me but I do not want to have to pay the current late fees if that be the case.
01/10/2017
Yes
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt is not mine
NY
13903
Web
I received a bill from Paypal Credit in XX/XX/2016 for {$110.00}. As I have not used Paypal for anything in over a year I called the phone number on the bill and asked what this bill was for. I was told I was calling their debt collection department and that the bill was for a purchase made at XXXX. I explained that this must be a mistake on their part because I do not go to XXXX and have not used my Paypal account for a really long time. They were unable to provide a phone number or a signature associated with this charge but offered to check to see if it was fraudulent charge. I received a letter a few days after that, saying the did not detect any fraud in this case. Again this month I received a bill from Paypal this time for additional charges of {$35.00} late fee and {$2.00} interest charge. I have looked up my account through the Paypal website because I was considering reporting the incident elsewhere, to see if I could find any information about the transaction myself. The website stated no transactions have been made to my account in over a year! I was unable to print a copy of this with the name of the website visible or I would have sent this in. Since Paypal continues to bill me for a charge a did not make, I would like some intervention by the CFPB in this matter. I am also sending copies of the bills and the letter I received from paypal.
07/03/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
SC
29644
Web
I have three promotional balances with XXXX 's XXXX. The promotional terms are 6 months, zero interest if paid in full. The first promotional balance was due to be paid in full on or before XX/XX/2018. The remaining balance, {$35.00}, was listed on the XXXX statement. I contacted Customer Service to inquire on the process to apply payment to the promotional balance. I was informed that I would need to make the minimum payment for the statement ( {$30.00} ) by the due date XX/XX/2018 and the remaining promotional payment amount ( {$35.00} ) by its due date, XX/XX/2018. I was further advised that I would need to contact Customer Service after the promotional balance payment to have the amount applied to the appropriate balance. I completed the three steps : -paid minimum statement balance by due date, paid promotional balance by due date and contacted Customer Service through the XXXX XXXX XXXX. XXXX, the card issuer, has now refused ( twice ) to apply the promotional payment. In addition, they have declined to provide my account details although I have requested confirmation in writing on three occasions. Instead, they send responses to me with the general policy for payments and balances. If the payment is not applied accurately, I will incur deferred interest charges. I have submitted the payments on time and am hoping to ensure the terms are honored.
06/29/2018
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Contacted your employer
GA
30213
Web
On today, I was informed that XXXX XXXX XXXX repeatedly called a phone number at my job for the past two weeks attempting to reach me via the company unauthorized telephone. This number is not my direct line nor was this number provided to the company to call. The number is assigned to another employee in the office and not my contact information. I gave XXXX XXXX my cellphone number my home address, and e-mail information if the business needed to reach me. I spoke with the company several times to keep abreast of my debt with the company. Although, I communicated with XXXX XXXX, I continued receiving automated calls up to 10 times a day normally during work hours. In the end, the employees of the bank devised a plan to continuously call an unauthorized number using an automatic recording during my business hours. The recording was heard repeatedly by my co-worker everyday, several times a day for two weeks. This is not their debt. However, they were subjected to daily harassment. Also, my private information and debt to the company was exposed. I spoke several times with an agent today who informed me that it will take some time to remove that number from my account. Although, I never provided that number to the company. Now, my co worker will continue to receive the harassing phone calls until XXXX XXXX XXXX finds the time to remove the information.
07/19/2018
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Sent card you never applied for
TX
75070
Web
During XXXX shopping, I bought bean bag chairs from XXXX. During the checkout process, I was asked to open a store credit card. I declined and entered my credit card information. Without my permission, XXXX used my credit card account to open a store credit card with XXXX XXXX and then charged my purchase to that account. Well within the return period, we sent back the bean bag chairs and requested a refund. Instead of refunding the money to the credit account XXXX illegally opened for me, they issued a store credit. When I found out what was going on, I had XXXX apply to the refund to the XXXX account and requested that XXXX close the account. I complained to both XXXX and XXXX about the illegal account opening. I was told that the account was closed and paid in full. Now, XXXX is harassing me and charging me ridiculous late fees on the account I never opened. They said I owed {$32.00} ( or something near that amount ) for their trouble in opening an account I never requested be open. They list it as late fees and are continuing to charge me. The amount is simply absurd now, somewhere over {$300.00}. Again ... I NEVER OPENED AN ACCOUT WITH THEM. So ... how can they continue to charge late fees, call my employer, make negative credit reports and essentially work to ruin my life when they are the people who opened an account, WITHOUT MY PERMISSION!!???
11/19/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Other personal consumer report
Problem with a company's investigation into an existing issue
Their investigation did not fix an error on your report
PA
17602
Web
I spoke to a customer service representative today regarding my XXXX card, XXXX XXXX card, XXXX card and my wayfair account. I requested the special payment program as explained to my husband per a recent phone call. I was XXXX over the past 45 days after I contracted XXXX in XXXX 2020. My husband attempted to contact Comenity Bank on several occasions during my illness to make a payment on the account or to discuss the account and options that might be available. I understand my husband is not on my accounts, however, he attempted to explain the situation and only asked that the customer service representative document the phone, which they did not. Comenity bank has since reported the delinquencies to the credit bureaus prior to me being able to contact them directly. I am requesting that Comenity Bank please remove the 30-60 day delinquencies that are currently being reported in good faith. While I understand this is common business practice, I also understand the current state of the pandemic and that many individuals, like myself, will be impacted by the late payments and my future ability to obtain credit. XXXX XXXX, the holder of my other credit accounts, was beyond compassionate and immediately removed any delinquencies from my credit file as well as any late fees associated with these accounts. I am asking for your compassion to do the same
05/30/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
VA
23661
Web
XXXX XXXX XXXX contacted XXXX XXXX XXXX and ask them about various items that they had not received payment for. XXXX XXXX XXXX reported to XXXX falsely that I did not pay items. XXXX has now as of XX/XX/XXXX submitted various items listed on attachment to collections. XXXX XXXXXXXX XXXX continues to ignore my ongoing dispute of my balance back since XX/XX/XXXX and will not make any steps to contact me to address this issue. I have made numerous attempts through consumerfinance.gov address this issue and it is not getting resolved. Now that the account has gone to collections no one should be calling me or sending me Bills.
XXXX XXXXXXXX XXXX as of today DO NOT CALL MY NUMBER/WORK/FAMILY : DO NOT MAIL Me ANY BILLINGS STATEMINGS.
XXXX XXXXXXXX XXXX has chose to take my payoff payments and not apply them to my items purchased.
I am still waiting for my account to be credited appropriately or refunded for the abuse in the handling of my account to date.
The bank and XXXX have sent my bill to collections. There should be no more HARRASSIVE contacts directly to me, by phone or mail, from bank or XXXX at this point.
Please contact XXXX if you need an update on the collection status. STOP SENDING BILLING STATEMENTS, for same billing you sent to collection. I am still waiting to have acct balance and acct mis handling addressed and corrected ... ... ..
02/26/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
CT
06062
Web
On XX/XX/16 my Wife and I purchased through XXXX XXXX online an XXXX XXXX XXXX XXXX XXXX for {$740.00} for our home using a combo of our own money, XXXX XXXX Gift Cards and {$520.00} XXXX XXXX " Loyalty Rewards '' Certificate we had previously accrued by purchasing thousand of dollars in XXXX XXXX Dining Room furniture. The dining room furniture was quite expensive, but the sales person stated we would be able to accrue {$520.00} in XXXX XXXX Loyalty Rewards, which sealed the deal. At no time were limitations disclosed on the Loyalty Rewards Program. After we received the Chandelier we realized it was too large for our dining room and returned it to the XXXX XXXX in XXXX XXXX, Ct. The staff said since our purchase was online the full credit due of {$740.00} could not be issued on-site the product would have to be returned and we would get a XXXX XXXX Store Card Credit for that amount of {$740.00}. This never occurred and Customer Service stated today to our shock we " forfeited '' our {$520.00} " Loyalty Rewards '' by returning the Chandelier and only refunded the difference of {$220.00}. All of this was NEVER disclosed to my Wife and I by our in-store sales person, where we accrued the " loyalty rewards '' by purchasing the XXXX XXXX Dining Room set, or by the online live customer service representative when we purchased the Chandelier on XX/XX/16.
01/19/2017
Yes
Credit card
Closing/Cancelling account
CA
94709
Web
I had applied for and was approved online instantly for a Comenity Capital XXXX XXXX Visa card with a {$10000.00} limit and a {$49.00} annual fee. The card arrived in the mail a week later. I activated it and had barely used it for 5 days before they closed the account due to a " security concern '' which they could not share the details of. They still charged me the {$49.00} annual fee and now refuse to refund it ( even though I had it for 5 days of the 365 days the annual fee was meant for ). They also dishonored the sign-up bonus of XXXX XXXX XXXX points that I was entitled to as per the sign-up agreement and the XXXX XXXX XXXX points I should have received for my spend on the card.
I have XXXX FICO with a clean credit report, and have never had a closure from any other bank. Customer service was extremely unhelpful as well. I spoke to 3 different supervisors to refund my {$49.00} fee and they all refused to budge.
This is a direct violation of their own policy as my statement terms from Comenity state : " XXXX FEE : This fee will be charged with the close of your first billing cycle and will be assessed annually in the same month thereafter. We will refund this fee if you notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is otherwise non-refundable ''
02/15/2022
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MA
02169
Web
This is the SECOND time that I am sending this letter. I sent the original letter on XX/XX/2022. ( see below ) Since the original letter, I have been a victim of IDENTITY FRAUD from this company. An account was made in my name with this company 's name attached to it. It was an additional account ( a mortgage account ) that I had no idea of. I was told because of this error, that as a courtesy, any accounts from this company shall be removed from my credit report. Either way it is still reporting. So you can either remove it without further incident or you can adhere to the bottom portion of this letter. I will also be filing this letter as a complaint to the CFPB and if I do not have this company removed from my credit report within the next 14 days, I will be forced to file a complaint with the FTC.
Original letter that I have yet to get a response to that was sent last year : I am sending this certified letter because I have noticed that there is a charge off or a debt in collections on my credit report from your company ( Acct numbers XXXX ), however, I have never received a Schedule C form for that specific charge off. By law that can be considered taxable income per IRS literature and I can be penalized for not reporting it. I am requesting this form so that I can have all legal documentation in my records if I need to provide it to the IRS.
08/05/2021
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
CO
81425
Web
Older American, Servicemember
" XXXX XXXX " Credit Card applied for on XXXX XXXX, XXXX. I never called to activate it.
I live outside of town and receive mail at the Post Office. I have no PO Box out in front of my house. This was discussed at length with the XXXX XXXX employee-NO MAIL IS DELIVERED TO OUR HOUSE!!. I recived no bill from XXXX XXXX and decided to call and report it on XX/XX/XXXX. I gave my checking account number to the woman with instructions to withdraw the {$54.00} that was due. On XX/XX/XXXX XXXX XXXX wrote me a letter that the {$54.00} " was returned '' by my bank and that a fee had been charged! I now have a letter from my bank stating that no such transaction had happened. So, I called a second time and a different person answered and took the payment. Shortly after that, I received a bill from XXXX for {$32.00} - due on XX/XX/XXXX. I called to complain and was told that my bank had charged that. In the letter from my bank, it is stated that no such fee has ever been charged to my account!!! I'm still receiving phone calls and written bills from Comenity Bank of XXXX XXXX - I'm not sure which it is. The latest billing is for {$100.00}. The same day That I applied for this Credit card, I applied for one at a department store and had a similar problem which was quickly taken care of during the phone conversation with an employee. All is well with that one.
07/15/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NJ
07035
Web
First for a couple of months Victoria Secret kept changing their terms and my husband had the same card, but wasnt experiencing the same issue. After long thought out decisions I decided to cancel the card and advised the creditor I would pay the balance in full in a month or so. Im currently unemployed and not receiving any benefits. Comenity Bank every single day, including Sunday is calling my house, my cell several times a day, they leave no message whatsoever. I think this is extremely abusive, no sooner than they call my house phone, then they are calling my cell phone. Doesnt the law require them to leave a message with a call back number. Also, I dont appreciate a representative going through how much I owe and then asking me how I would like to take care of this today, they are assuming that just because they spoke to me I have the money and Im going to be making a payment right then and there. I especially dont appreciate this creditor calling me on a Sunday and the majority that are calling are either from XXXX or the XXXX and many times dont understand or even care about the details they are giving you, the only thing they concentrate on is that they are going to get a payment from you. After working in the banking industry and knowing about the fraud that goes on in these countries Im not confident in giving them any of my information.
08/15/2017
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
AL
35749
Web
I had a XXXX Comenity Capital Credit Card. As I was trying to obtain a mortgage, I paid the " balance in full, '' not the statement balance in XX/XX/XXXXand asked for the account to be closed. After I paid the entire balance, they charged a {$39.00} late fee and continued to do so until my balance was approximately {$190.00}. When I called, I was told that the account was closed but these were late fees. I had previously tried to communicate via the secure message center, but their replies were, I believe intentionally vague and not helpful. I spoke with XXXX ( ID # XXXX ) on XX/XX/2017 who said that if I paid a {$27.00} fee, she would negate the rest of the fees because my account was indeed closed in XX/XX/XXXX. I just received an email that my statement was ready to view. Obviously, I should not have a statement, so I logged in to see. I still have an available credit limit of {$150.00} and now have a balance of {$1.00}. The reply email I got from them was that I had to pay streaming interest on purchases until the balance was paid in full? I can not remember the last time I made a purchase with this card and do not have a balance with them. If I do not pay this {$1.00} balance, I am certain they will rack up late fee again. They now say that my account was n't closed until XX/XX/XXXX which leaves me to wonder why I have available credit at all?
06/07/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
92883
Web
I am attaching the issues I have with the Comenity Wayfair card. I have not used this card since last XXXX. Online they are charging me XXXX if I pay online at XXXX PST time which I live in PST on date due. Also my first ever late pay with them I was 3 days late due to my child being in hospital they did not waive at a one time request and still then increased late fee to XXXX without notice. So they take my payment and I have no one to call on the phone when paying at XXXX or XXXX XXXX PST time on due date they should absolutely not be charging me XXXX it is excessive and abusive fee. so now they have charged me XXXX in fees and I still owe them XXXX. My balance in XX/XX/2020 was XXXX. Since then I have paid them XXXX yet my balance is XXXX. This is ridiculous. Most companies work with you and would waive especially same day and continues to pay monthly. I have never paid them more than 3 days late when child was in hospital. And they have treated me like a criminal for paying same day but at XXXX or XXXX PST. This company is the absolute worst. During Covid if there was ever an issue with any CC or paying a day late they waived fees or were super considerate AS I have never been over 30 DAYS EVER AND COMENITY IS AWFUL. Their twitter is full of their abusive fees and horrible customer service. I have never seen such a horrible credit company ever
02/16/2021
Yes
Credit card or prepaid card
Store credit card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
NH
03076
Web
I have been getting calls at least 2x a day from. Comenity in regards to my XXXX account. Not only are these calls excessive, I have told someone contacting me by email is best since my cell phone speaker barely works and I can never hear anyone.
This morning ( XX/XX/2021 ) I had missed a phone call at XXXX XXXX, after I returned the call the agent I spoke with was very rude and talked over me. After we got to the root of the problem, she offered to put me into their hardhsip program. I asked for a call back as I was getting my son ready for daycare and she replied with " but you're the one who called me '' so I hung up. Then not even half an hour later I get another call where the gentleman barely knows what is going on, and as I'm trying to explain I was just on the phone and the lady didn't care, he was also talking over me. I asked him to let him speak and he continued to talk over me. If your agent would like to continue to be so ignorant, so be it. I will NOT be making payments over the phone with these idiots and I am requesting a do not call to be placed on my account. If the do not call is not placed on my account and I continue to receive calls, I will be going another route as a CFPB complaint clearly holds no meri to you. As someone who also works closely with consumers, I find this representation of your company absotlely horrendus.
09/14/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
GA
30314
Web
Servicemember
Greetings! For the past 3 months ( 2020 ) now I have humbly been working to clear up any and all errors on my credit report. In XXXX, XXXX and XXXX I have been working on asking the credit bureaus along with some companies to correct their wrong. I followed the blueprint I was allowed given the USA Law on the dispute process however these companies have gone to great lengths to violate and break the law. Now that they have done so month after month after month. I am humbly asking if you could please help me correct their error. They did not prove or validate anything to me according to the supreme law of Credit Reporting 3 months in a row. I am now asking to please have them correct their error.
XXXX sent me a letter of a bill.. I don't ever recall walking or stepping foot into a XXXX in mylife.
This was like the time Soneone had open a XXXX XXXX card and I never still till this day walked or been inside a kays. I had that removed also.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
03/26/2017
Yes
Credit card
Other fee
CA
94702
Web
I opened a credit card through Virgin America XXXX, who partnered with Comenity Bank for their XXXX program. I was immediately charged a $ XXXX yearly fee for the card, ok fine ... but then I was started being charged {$2.00} a month, and not knowing I was being charged {$2.00} a month, I did not pay, and then they charged late fees and interest on top of their bogus charges, which I never authorized. I 've called to have the charges waived, they did not agree, so I paid, what I though was my balance due on XX/XX/XXXX, and they said my account would be closed immediately. Then today, I saw they charged me another fee and interest on XX/XX/XXXX! I called again asking to waive these non sense charges, they would not so I paid again to get these bank out of my life. They steal your money by charging you bogus minimum monthly charges, and interest and late fees on top of that! I would like everyone to know how this bank operates, and after doing a bit of research on line, I see Comenity bank last year had to pay {$61.00} XXXX in restitution for bogus charges similar to mine.
I would love to get my money back, and have this bank further exposed to their thievery. Shame on Virgin America for teaming with such a shady business. I will never fly Virgin America again either because of this, and will do my best to make sure no one I know ever does either.
09/17/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
MD
21206
Web
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
08/05/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
GA
30114
Web
Servicemember
Even though I have almost XXXX balance as I have used my BJ 's Perks Mastercard from XXXXXXXX XXXX they are suspending my card and was declined even though they admit I have an allotment ( free balance of {$3500.00} ) and told me that I made too many PAYMENTS on my card and was suspended for 72 hours XX/XX/2020 Online Payment from Account ending in XXXX {$400.00} XX/XX/2020 Online Payment from Account ending in XXXX {$290.00} XX/XX/2020 Online Payment from Account ending in XXXX {$100.00} XX/XX/2020 Online Payment from Account ending in XXXX {$200.00} XX/XX/2020 Online Payment from Account ending in XXXX {$300.00} XX/XX/2020 Online Payment from Account ending in XXXX {$270.00} XX/XX/2020 Online Payment from Account ending in XXXX {$100.00} XX/XX/2020 Online Payment from Account ending in XXXX {$200.00} After I called to find out why this is being done they are saying the software was written in XXXX and that only applies here, when I tried to advise them that USC 16c of the FDCPA specifically does not allow credit bureaus or collectors to suspend payments received they told me they didn't care in a recorded phone conversation and to make a complaint. I thought this was so bizarre that I would follow thier opinionated advice and report them for violation of US Federal Law and they can thank thier call center in XXXX for the wonderful experience.
07/17/2020
Yes
Checking or savings account
Savings account
Closing an account
Funds not received from closed account
FL
33027
Web
On XX/XX/XXXX, I needed to get funds to pay off a large invoice. I logged into the Comenity Direct portal ( owned by Comenity Capital ) and tried to use the transfer function that Comenity Direct has on their website. The function only allows a limited amount to be transferred per month. Based on the funds that I needed it was going to take over half a year to transfer the funds. So I attempted to contact them but no one was available, so I submitted a message via the Comenity Direct bank portal ( copy attached ) that I needed to close my account and wanted my funds back.
On XX/XX/XXXX, after no response - I called Comenity Direct and spoke with a representative. They took my details and said the account would be closed and the funds would be transferred to my XXXX XXXX XXXX checking account within 3-5 days.
On XX/XX/XXXX, they responded to my XX/XX/XXXX email, saying that they would transfer the funds to my XXXX XXXX XXXX checking account within 3-5 days.
On XX/XX/XXXX, I called Comentiy Direct and spoke with a representative. They acknowledged receiving my multiple complaints and apologized. They put me on hold for an extensive period of time, and said that the transfer was with the final department - but didn't know when the transfer would occur.
It is now XX/XX/XXXX, I had to withdraw funds from another saving account to pay my bill.
02/21/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
NC
27040
Web
I erroneously sent my mortgage payment to my credit card company on XX/XX/XXXX. I sent {$2000.00} and only owed {$160.00} at the time ( statement balance ). When I reviewed my account on XX/XX/XXXX I immediately called my bank to see if the payment could be recalled and it could not. So, I called the credit card company and they stated that the payment had to clear before a refund could be processed. I called back the following business day and was told that I had a new pending charge of {$76.00} that needed to clear before the refund could be processed. I then called back the next business day and was told that it would take 21 days to process my refund. This is an excessive amount of time to electronically refund my over payment. I have always handled my account appropriately and the money was transacted in their favor in 1 business day. I need my money rightfully back so that I can pay my mortgage. I tried to resolve this with XXXX and it's as if they are not listening at all. They keep reiterating that the payment will be returned in 21 days. This is an unreasonable timeframe to electronically refund my money. I work for a XXXX XXXX and 3-5 days is an appropriate timeframe. I now can not pay my mortgage. XXXX charges me interest when I hold their money. Are they going to pay me interest for holding my money? I need my money back immediately.
11/13/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Sent card you never applied for
WA
99223
Web
Older American
In XXXX of XXXX, I shopped at XXXX, XXXX, XXXX XXXX, and only browsed XXXX. After the purchase, I received credit cards from all 4 merchants.
XXXX -- product returned immediately, but they still showed charges of over {$40.00} XXXX -- charged for partial order, but was not aware. In XXXX they sent the item and started sending me bills for over {$60.00}.
XXXX XXXX -- product received, but they were charging me {$37.00} for the yearly card.
XXXX -- looked for a particular item and left. I still received a card asking for yearly fee.
Tried to call XXXX XXXX several times as well as store customer service, but nothing was resolved. I finally received a call from XXXX on XXXX XXXX, they listened to my complaints about receiving cards and they said they will close all and clear the accounts. However, as of XXXX XXXX, XXXX, XXXX claims I owe them {$58.00}. Spoke with the number provided and told them that account was cleared by the bank. They insisted it was not. I am suspecting the other merchants will do the same, harass me until they receive the money they think I owe. I am hoping that someone will help us before anything else happens.
These merchants and the XXXX XXXX XXXX are committing fraud. They should be penalized and punished every possible way. They are misleading the consumer. As for me, I will not shop at the above merchants again.
11/28/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
NJ
08527
Web
On the evening of XXXX XX/XX/2021 I tried to make a purchase from XXXX, a computer hardware parts company. The item was a NAS ( network attached storage ). After going thru a lengthy selection process, which compared : capabilities ; availability and price a item was selected and placed in the XXXX website cart, credit card and shipping information was entered and the deal was done, or so I thought. Checking my email, I saw a note from XXXX that my credit card was declined, and suggested I enter a different card, which I did. It was not clear if the second card was also declined, or if the information from the first card was persistent. I contacted the second card issuer first, XXXX XXXX, since I was sure there was no chance on being near the credit limit and was told ( from their fraud division ) that for my protection the charge was declined since I hadnt ordered from that company in the past. I then contacted the first card issuer, comenity bank and was first told that the purchase was approved by comenity bank, but rejected by XXXX, and that the decision was between XXXX and XXXX. XXXX gave me a number to XXXX, instead of connecting me to XXXX it transferred me back to XXXX bank who now ckaimed they actually declined the purchase based on their hunch. I was not able to make the purchase, and the effort to research the best product was lost.
10/05/2020
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Sued you without properly notifying you of lawsuit
FL
33076
Web
Servicemember
The disputed amounts do not pertain to any credit extended, but relate entirely to introductory ( deferred XXXX interest program. Commenity Bank ( XXXX XXXX ) failed to credit my account prior to the expiration of the deferred introductory interest. We received documented credits for multiple deliveries of damaged merchandise. Commenity Bank ( XXXX XXXX ) did not apply the agreed upon credits to the account when the merchandise was disputed and agreed upon to issue credits ( on recorded lines ) in a timely manner. Commenity Bank ( XXXX XXXX ) were negligent and fraudulent in this manner by attempting to seek payment on deferred interest for merchandise that was damaged and previously agreed credits were not timely applied to the account. Had such credits been applied to the account as stated and agreed by Commenity Bank ( XXXX XXXX ) the account balance would have been {$0.00} prior to the expiration of the deferred interest program.
Furthering the fraudulent and negligent business collection practices, Commenity Bank ( XXXX XXXX ) locked me out of any online access to account payment and history options, as well as continuing to deny all requests for account history/statements. XXXX XXXX XXXX failed to send a validation letter after I requested one vie telephone. XXXX XXXX XXXX failed to properly serve me with paperwork regarding the lawsuit.
08/07/2020
Yes
Debt collection
Credit card debt
Communication tactics
You told them to stop contacting you, but they keep trying
CA
92325
Web
Servicemember
XX/XX/20 I received a call from your XXXX XXXX XXXX, a debt collector. XXXX stated it is a XXXX XXXX XXXX account with an outstanding balance of XXXX. I told her, we never received the cards nor any statements.
In further discussing this issue, I discovered from XXXX said communication was sent to our street address in XXXX, CA. We do NOT have USPS delivery to our home as we live in a rural area. What became of your communication is anyones guess. When asked, XXXX stated she has no idea what the amount encompasses and has no access to the details, and to contact Comenity Bank.
The same day, I contacted Comenity bank and sent them a letter and to this date, have not heard back.
XXXX, I received another call from XXXX, XXXX. This time, I told her I am officially disputing this amount. She said she noted it and we should receive communication from MCM.
We heard nothing until today. A call from XXXX XXXX at XXXX. He had no record of the dispute and insisted we are ruining our credit if we don't pay. I went round and round with him until I finally ended the call. I repeatedly stated, I can not act to resolve this situation until such a time I receive detailed account information. Merely presenting me with a sum, is NOT acceptable as I can not verify the charges.
I am now frustrated beyond words and is requesting your assistance in this matter.
02/22/2018
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
ND
58103
Web
I spoke with a representative when they called me a few weeks ago, when they called my work phone number. Prior to me talking to them, they had left messages on my phone, called my husbands phone, all three of my children 's phone and somehow they got a hold of my ex-husbands phone number and called him as well.
On that phone conversation a couple of weeks ago, I let them know that I would not be able to pay the debt until sometime this spring. I asked them to only call my phone number. I specifically told them they could not call me at work, nor could they call any other phone number of anyone else. Some of the people they are calling are not even related to me, and they continue to call me. Today, XX/XX/2018, they called my step-daughter and told her I needed to contact them about a debt. I didn't think they could tell anyone else that I owed a debt. She was concerned because she thought they may have also called her mom ( my husband 's ex-wife ). They have called my XXXX year-old father-in-law. I told them I would contact them when I could take care of the debt and that they were only allowed to try to contact me via mail and my phone number.
In the initial phone conversation, they would not give me their address. Today, I got their address and have sent them a letter indicating that they may only contact me by mail or my cell phone.
10/17/2017
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
KS
67212
Web
At XXXX pm cst on XXXX/XXXX/XXXX, I called XXXX to contact them regarding notices of XXXX debts they have in their office. When the gentleman asked me why I was calling I advised him that I was wanting to dispute these because I have an issue with the balances being owed and that there were unauthorized charges on these credit cards. He asked me why did I pay them for so long and that his collection company was going to sue me if I did n't take care of these. I again advised him that per my right by law I was wanting to dispute these. He again said we will send these to an attorney in your state for legal action if you do not take care of them. I again advised him that I am disputing all three of these accounts and I want them placed in a dispute status. He again asked why I was not wanting to take care of them and that legal action will be taken. I again firmly stated that he is violating my rights by not placing these in a dispute and trying to pressure me into making payments at this moment. I asked him for his name. He said it was XXXX XXXX, when I asked if this was his actual real name on his license, he said no, this is my business name I go by at work. I told him he could n't just make up a name to give me and that I now question the validity of my whole debt because he was being dishonest with me. I terminated the call at that point.
03/03/2017
Yes
Money transfers
Domestic (US) money transfer
Other transaction issues
TX
75216
Web
I paid {$420.00} for a retreat, but immediately attempted to cancel it ( within the hour ), through PayPal. The reason for the cancellation was because certain details about the event made it difficult for me to attend. These details were revealed only *after* payment was made. I spoke to Paypal who suggested that I speak with the merchant about getting a refund. Through email correspondence, the Merchant agreed to a full refund. I provided Paypal proof of the email conservations I had with the merchant, granting full refund of {$420.00} but to this day, PP has refused to honor the refund. In addition, the purchase should have been eligible according to PP Buyer Protection refund policy. Also, the immediacy of my dispute was way in advance of the event and should not have posed an issue with PayPal or the merchant to reolve the issue. If anything, the transaction could have easily been written off as an incomplete. As clearly shown in email correspondance, the Merchant recognized that leaving out certain event scheduling details, could mislead customers and therefore, in my case, became an unusable product. I used PayPal for such transactions as a way to provide me with protection and resolve any disputes. I expect this amount to be refunded and retrieved from the vendor or PayPal in a timely manner. Thanks in advance for CFPB 's assistance.
08/10/2020
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
WA
98148
Web
I have been a Comenity Bank customer for a few years and I hold a store card for XXXX women 's clothing store. Recently on XX/XX/XXXX, I received a letter from Comenity stating that they had decreased my credit limit by {$100.00}. The reason cited was that my credit score has gone down recently. Although I have not had any issues with Comenity Bank itself in my account ... I have been paying off my account steadily over the past year, so I don't understand why Comenity will run a credit check randomly and then decide because of my other credit accounts, which have absolutely nothing to do with my already established store account with Comenity, that my credit will be decreased. I am filing a complaint with the CFPB because I did not receive an advance notice that my credit limit will be decreased and I was not able to pay the amount down in time so that my current balance will be under the credit limit.
As a result, I fear that Comenity Bank will use that minimal amount that is over the credit limit to then charge me over limit fees and then report my " over usage '' to the credit bureaus to cause a decline in my credit score.
The same day that I received the notification letter is the same day that my store credit limit was decreased. I feel that this is a very shady business practice and I would hate for this to happen to anyone else.
03/16/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
FL
34203
Web
I have a XXXX Credit Card aka XXXX Credit Card. OnXX/XX/XXXX I logged on their website and requesting a credit line increase. While I was completing the form on their website. which is XXXX there was an option just under the annual income field that states " by selecting this check box, I am allowing the bank to access my credit report, if necessary. '' I made certain that I did not check that box and i did not.
Well on XX/XX/XXXX I get an email alert from XXXX stating that something changed on my credit file. I logged on and according to XXXX it was a hard inquiry from XXXX XXXX for new credit. I did not authorized XXXX to pull my credit. I called XXXX to dispute the inquiry but XXXX referred me back to XXXX. I called XXXX and that stated I must submit a written request and that they have 90 days to respond. I found that to be absurd. So I decided to submit a complaint through CFPB.
Also XXXX would not take my complaint at all even though after I logged in to their site ( i have credit monitoring service with them ) and attempted to submit the dispute online their website directed me to call to submit disputes about credit inquiries. After waiting 30 minutes on the phone their rep stated they do not dispute take credit inquiries and i must dispute though the company directly. I found that odd and i asked 2 times just for clarification
06/21/2020
Yes
Checking or savings account
CD (Certificate of Deposit)
Closing an account
Funds not received from closed account
IL
60139
Web
Joint CD matured on XX/XX/XXXX. Both account holders have contacted the bank multiple times since then and spoken to multiple Customer Service Representatives, however, we have still not received our funds. We also approached the Comptroller 's office but still have not received our funds.
XX/XX/XXXX - in-app message sent to not renew CD and to disburse funds to savings account upon maturity.
XXXX XXXX spoke on the phone to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX received message from Product Support Operations Specialist II XXXX 14 days post maturity, 5 CSR communication and a complaint with the OOC, our funds are still not disbursed. The bank is using the current pandemic as an excuse to hoard our hard earned savings and not release the funds immediately.
Each time we were told that it would take 3-5 business days. XXXX even stated that she could not really specify when it would be disbursed. XXXX, via the app message has now increased the number of days to 5-7 business days.
During this challenging time, the people at Comenity XXXX XXXX are giving us more stress.
FDIC had directed us to your office. If CFPB can resolve this issue, we will appreciate..
A copy of our correspondence with the Comptrollers office both from the 16th and today XXXX XXXX, is attached.
06/27/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Credit monitoring or identity theft protection services
Billing dispute for services
TN
37013
Web
I bought a dress from XXXX XXXX XXXX in XX/XX/2018 for a discounted price of {$54.00} of an initial price tag of {$89.00} but Comenity Bank issued me a bill of {$170.00} for this one item, I find that this is not the first time Comenity Bank has over billed for a dress, this was also done with their shop XXXX. I made a complaint in XX/XX/2018, XXXX XXXX XXXX/ Comenity Bank then wrote to 4 other credit companies in an effort to negatively affect my credits score in spite of the issue being their error. I then replied to all the credit agencies attaching all relevant receipt and statement. Then XXXX XXXX XXXX informed me after many letters and call to them that they are investigating the matter. I did not receive any info from them but suddenly saw a credit of over {$79.00} credited to my account. I wrote for clarification but they informed me that they are still investigating only to find online that Comenity Bank through XXXX XXXX XXXX has deducted some inexplicable charges " late '' from the amount they unilaterally credited to my account, all efforts to get Comeniy Bank to explain and to rectify the issue has come to naught. In stead Comenity Bank is more interested in giving negative reporting to the credit bureaus knowing very well I do not owe them and knowing that I pay my bills way before the due date as verified by payment history.
07/02/2018
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
CA
94928
Web
XXXX XXXX XXXX XXXX card has been contacting my ex husband whom I divorced several years ago. Theyve been calling his office and cell phone number, even though my ex husband told them that he doesnt want to receive any phone call regarding me they still calling him and telling him about my debt and told him that I need to get an attorney.
Earlier this year I asked XXXX XXXX to use my account assure that they advertise will help you during your hardship moment. Its all lie, not only they didnt lower my payment or comes up with solutions, they told me they cant help me because my payment is always up to date. Not only I lose my money from my account assure ( which also a scam the way they advertise it ) the communications with XXXX XXXX representatives are always bad, different people said different things and they dont have initiative to help. After being late for my payments ( in order to get help from hardship department ) they been calling me day and night, several times a day with unknown number and robo calls. They also threatened with contacting the attorney and will taking this seriously. Back when it started my debt was {$1200.00} with {$3000.00} credit limit. Now my debt is $ 1600+ because not only of the account assure didnt assure you to get help during hardship moment they keep charging me every month beside the interest fees!
12/21/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
VA
23661
Web
I am disputing the balance of XXXX on my XXXX credit card acct. Balance is very high and I have found multiple errors on my last billing statement alone, to be very concerned about the handling of my acct, to date. I have sent in overpayments on purchases too and no one seems to " know '' where money went.
XXXX XXXX XXXX creadit card .... REFUSES to address my overcharges of items and added postage on my XXXX charge account. Company continues to give the EXCUSE " we can not see what original charges and they WILL NOT send me a representative name and a fax number, so I CAN SENT THEM A COPY of my account history, to review charges for errors on my acct. It is very clear that there has been mismanagement of my account over months now.
I am disputing the account balance with XXXX customer ser. and bank, both companies are not working with me to address my over charges and both companies have been reported to the Better Business Bureau.
** I am still waiting for a final response from Better Business Bureau Florida on XXXX customer service with their companies final response as to what they are willing to do to help me resolve this issue.
** '' I just want to pay this card off and get these companies out if my life. I however will not continue to pay in an acct, that I am getting over charges on.
***history OF ATTEMPTS to resolve attached.
10/28/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MI
48067
Web
Servicemember
I 'm signed up for paperless billing because I 'm meticulous about paying my bills online and I hate the clutter of mail. So I was surprised when I received a bill for XXXX XXXX ( a furniture store ) stating I was 3 months past due for a monthly {$2.00} minimum charge fee and resulting late fees ( {$27.00} total ).
I recently paid our 24-month 0 % interest purchase ( 11/21/15 ) off ; and even overpaid {$75.00} because I did n't stop my $ XXXX monthly payment after making the final payment of {$1500.00} prior to the promotional balance ending ( X/XX/17 ). XXXX XXXX refunded me my {$75.00} additional payment and my balance was {$0.00}. I subsequently, removed this creditor from my list of bills to pay.
I accept the fact that i did n't read the fine print because I would 've canceled the card after paying it off. But I 'm unable to locate the terms of service and the company is intentionally being opaque with providing the information on their website. I 've spent about 30 minutes looking for the terms of service and I continuously am directed to contact their customer service center. Why was I not charged a minimum fee in XX/XX/XXXX when I had a balance of - {$75.00}? Also, why have they waited 90 days for them to stop my paperless billing and send me a notification. It feels predatory to wait until my account is that past due to notify me.
10/10/2017
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
AZ
85044
Web
I have an account with Paypal credit. In XX/XX/XXXX I had an issue with them not honoring the promotional payment terms I selected for an XXXX purchase. I filed a complaint with consumerfinance.gov, and the issue was resolved. However, since that time my Paypal credit statements have not been providing accurate information. Many promotional purchase items do not show monthly balances that make any sense. Even when reconciled to the information provided on the statements, some items show paid off before they were supposed to. Some items show as not being paid off, even though they should be. Some items that are supposed to have a fixed monthly payment amount vary wildly in the monthly payment amount allocated to the item. Also, the standard purchase amount ( the amount subject to interest charges ) is off by a large amount. Therefore, I can not determine that I am not being overcharged monthly interests fees because Paypal will not provide the information needed to determine this.
I spoke with a supervisor, XXXX, on XX/XX/XXXX. He told me he would audit the account, and follow up with me. I followed up every week for two months, and I have never heard back from him. Other supervisors later told me that I would be sent a letter breaking down how monthly payments were applied. I have never received any letter. I followed up with this twice.
04/09/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
CO
80015
Web
On XX/XX/21 Comenity Bank closed my Credit Card that was in perfect standing. They cited 'inactivity and/or information ' in my credit report for cause. I had made several purchases over a week before on XX/XX/21. As far as my credit report there was nothing negative about my score or report that should lead to an account being terminated. In fact my credit score and history overall greatly improved since I obtained the Comentiy Card originally. Comenity essentially made a 'mistake ' and thought my account was inactive so they cleared the books before verifying the account was indeed not being used. This all occurred while I was actively shopping for a mortgage which impacted my score due to the closed account, loss of available credit, and as a result of the closure I was forced to pay my balance in full to avoid having a balance with XXXX available which would further damage my score. I brought this to the attention of Comenity on XX/XX/21 and was told nothing could be done but I could write a letter disputing the actions. I wrote a letter of dispute and was again told nothing could be done and they again reference inactivity and/or information in your credit report. I was unfairly targeted because of the incorrect status of 'inactive ' and otherwise my credit report would not have been reviewed, nor would the account have been touched.
08/15/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
NY
11214
Web
Good evening, I hope you can assist me with an unfair practice by Comenity Capital Bank.
The XXXX XXXX credit card account was opened with a promotional deal of no interest for six months in XX/XX/XXXX if paid in full. In XX/XX/XXXX, I stopped the automatic payments as I made the final payment for one other purchase made in XXXX. I received a message that my bill was due. I was surprised and reviewed my XXXX statement ; the interest of {$750.00} was added.
How could this be? The promotional offer on the initial purchase of {$15000.00}, I called and spoke with customer service on XX/XX/XXXX. I was not pleased with the representative 's explanation. I next talked to XXXX # XXXX, who said I should have been reading page 1 of the monthly statement. I do not understand how a promotional offer would be changed. I asked if there was anything that could be done ; XXXX said it the interest could not be waived. It is unfair at the end of this period to then charge me the interest as though I haven't paid my bill.
This evening XX/XX/XXXX -- I did call back the customer service and spoke with XXXX # XXXX to inform the bank that I will be disputing the interest charges.
My contact information : XXXX XXXX XXXX cell phone XXXX email My wife is XXXX XXXX her cell phone number is XXXX and her email is XXXX.
Thank you in advance for your support.
12/19/2016
Yes
Debt collection
Credit card
Cont'd attempts collect debt not owed
Debt was paid
OH
45342
Web
XX/XX/2015 I filed a XXXX complaint against XXXX XXXX ( now twice ). First time they kept taking unauthorized payments out ( triple charging my account ) and kept getting notices that I did n't pay them. It was finally resolved that they would {$0.00} my debt due to the inconvenience they were causing. I get a collections notice XX/XX/XXXX from a different agency saying I owe {$140.00} on one of the accounts I should n't have to owe and the original creditor ( XX/XX/XXXX ) was demanding {$390.00} for the other account I did n't have to owe on. After the resolution on the XXXX complaint I NEVER heard back from this agency. I filed another complaint XX/XX/XXXX and the XXXX agent I was working with never heard from them and were not responding to communication. Today I get a voicemail from one of their agents saying he needed my address to send a refund check. I call him and he 's going around in circles, not listening to me, unwilling to understand what I was telling him. Playing recordings that I could n't even understand because they were so garbled over the phone. He used a tactic that 's appalling to just harass me. At this point XXXX XXXX has caused so many problems with my service connected anxiety and have wasted my time over and over again. They have shown their lack of professionalism and their willingness to use deceitful tactics.
02/05/2021
Yes
Debt collection
Medical debt
Attempts to collect debt not owed
Debt is not yours
FL
32828
Web
Older American, Servicemember
On XX/XX/2018, I was seen in XXXX XXXX for the placement of a XXXX. On said date of service, I was provided with a statement which confirmed my responsibility would be XXXX dollars. I was once again seen in the office on XX/XX/2018 for XXXX and XXXX XXXX and was advised that my insurance would not cover the multiple elements of the XXXX and they could finance the {$380.00} via a deferred interest plan for which I found odd since my XXXX XXXX covers 100 % of the cleaning in the past 42 years I have had the plan however I agreed. This {$380.00} has been since paid off. I received a statement from XXXX XXXX a few months later stating that I owed the money for the XXXX from XX/XX/18 as well as still owing money for the cleaning on XX/XX/18 which totaled {$630.00} even though I was provided a finance plan to pay and was completed with that total. When I contacted the provider, they were unwilling to listen to all the proof that they had confirmed no balance for XX/XX/2018 as well as the agreed upon amount for XX/XX/2018 being paid. I am providing said documents discussed above with this complaint. As an additional note to further prove the erroneous accounting system XXXX has, you will see on one of the documents I provide where XXXX applies the financed payment of {$380.00} to my XX/XX/2018 visit when in fact this was done on XX/XX/2018
04/28/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Credit card company won't increase or decrease your credit limit
GA
30013
Web
Hi. My issue is that Comenity Bank has n't reissued the card for my husband that I asked for nor increased my limit. The communication is shotty. I just filed a complaint. Instead of calling like I asked for they say that they can not do anything because there is n't a phone number listed on my credit report. Yes there is. I updated it last week directly through XXXX . They need to update their systems. Attached to my complaint is my XXXX Report that I pulled directly through them with my phone number on it. I requested another card for my husband almost a month ago and I have n't gotten it. I see that they pulled my credit yesterday with my request for a credit limit increase, but no one has picked up that phone and called me. I have already filed a complaint with the BBB. My next step is to file a complaint through whomever regulates them. Is it the XXXX ? Attorney General 's office. I have a few inquiry 's on my report due to this very issue. I would appreciate someone reaching out to me immediately. I am sure other companies would like our business because we pay our bills on time and we have never been late nor have had a return payment. I look forward to hearing from someone soon. Please see the attachment in the personal statement section that shows my fraud alert with phone number. The information was updated last week.
09/16/2018
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
GA
31150
Web
I received a letter from XXXX XXXX ( XXXX Credit Card ) I have been a cardholder since XX/XX/2007. I also have other Credit Cards with them as well via other merchants I frequent. I received a letter in the mail advising me my account was closed. I placed a call to the toll free number ( XXXX ) XXXX XXXX. The Representative was not personable at all and didn't seem to care about a long standing customer being treated this way. She advised me I would have to reapply for the credit card which would involve them running my credit again. I would have to do it online or in-store. I asked what was the reason my account was closed and I was told it was due to a discrepancy with my address. My Credit Report has my PO BOX as well as my physical address and it has been this way for years. I was not notified by phone, email, or mail that there was an issue needing to be rectified of this nature. I just received a letter about them closing my account. If this was indeed an issue then why was I not given an opportunity to address it? And why at this stage would I have to reapply for the card? This has also impacted my consumer credit report due to the card being closed. My score was dropped. I have had several points, XXXX XXXX XXXX, and other Perks for my tenure and this is something I would escalate to an attorney if this is not resolved by them.
01/16/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
12832
Web
I ordered merchandise from XXXX XXXX XXXX on XX/XX/XXXX and it was shipped to incorrect address. I called XXXX XXXX XXXX about the merchandise and they claimed they would credit my account when they received the merchandise back. They did credit my account by depositing the {$91.00} on XX/XX/XXXX that was billed on my Comenity Bank XXXX XXXX XXXX Credit Card. I had assumed XXXX XXXX XXXX would give me a credit to the credit card used, they didn't. I had called the credit card company on XX/XX/XXXX, because my payment was due and I told them what had happened. I did not want any late fees or reports to the credit bureau for this error. When I went online to see what was happening on my account and pay the bill with the {$91.00} credited to my checking account, I was surprised to see ANOTHER {$91.00} added to my account along with a late fee and interest. Calling Comenity again, they explained they had " loaned me '' the disputed value of {$91.00} so I know owe over {$210.00} for merchandise that was returned to XXXX XXXX XXXX. Comenity bank told me today that I needed to contact XXXXXXXX XXXX XXXX and try to get a credit. I also tried calling XXXX XXXX XXXX but gave up when I was on hold for over 30 minutes. It is very disconcerting that a credit card company does not know the basics of accounting, the difference of a credit and debit.
02/08/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CO
80516
Web
I made purchases on my XXXX XXXX Credit card in XXXX of 2018. I recieved my bill in the mail and went to pay it online but I was unable to log in and it kept telling me that the action can not be performed. I called them and they were closed since I work the same hours that they are open. Because of all of that I was two days late on my payment. I made my payment over the phone. I then received my bill for XXXX and XXXX in late XXXX and it said that I had two charges. I called and they said they were the two late payments for not paying my bill on time. I called and spoke to a representative but said he could only remove one since I was two days late due to not being able to pay it online. I was not aware that I had a late charge for XXXX And they applied another late charge in XXXX for non-payment even though I had paid my bill for things that I had purchased in full. I also have had this credit card for years and have always paid my bills on time. You would think that since I was a consistent consumer, tried to pay it online, and paid what I actually owed in full there could be a better solution that just charging me two late payments. I also spoke with two people at XXXX to see what they could do and had to wait on the phone for an hour to speak to the manager. When I requested the guy above him he said it could take up to 4 hours.
07/18/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
IN
46410
Web
In XX/XX/2018 I submitted a dispute for charges I was wrongfully charged. The results of the investigation were unsatisfactory. I then submitted a second time along with a handwritten letter explaining in detail what happened as well as my information to contact me back if there was anything else needed to complete this dispute. I sent this information a total of 3 times over the period of a couple of months with no reasonable explanation of my situation. So I then started sending messages to them explaining to review the information I have sent in multiple times already. The replies back from them were to resend everything again. Unfortunately I do not have copies of the details of my dispute but the claims department does. So I called one last time desperately seeking a resolution to this issue and the department that handles these dispute claims are not available to speak with nor would the credit card company contact them on my behalf. I finally canceled the credit card which I did not want to do because of the unsatisfactory customer service I received. I feel very disappointed that my credit card company would not help me out in a situation that I went above and beyond to get the matter resolved in a timely fashion with no satisfactory results. I was very loyal and only used this card as well as every payment I made was on time.
05/08/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NY
11768
Web
Main problem is with Wayfair -Commenity Bank : A payment was purposefully sent prior to the end of the promotional period on XX/XX/2020 in that amount of {$280.00}. It did not apply. This incurred. me {$190.00} off promo plus another {$48.00} fee. This I had been making multiple large payments to pay this bill off starting in XXXX the original amount was between $ XXXX. Literally I paid over {$660.00}, and now the want {$360.00} more.
I fell that the off promo is a scam and if you wait to pay it off the last month before the back interest they will purposefully slow down posting payments.
The fees are also ridiculous.
$ 28.9 % interest should be illegal. We used to call that loan sharking. There should also be a limit and payments have to be posted and be processed in 24 hours of receipt! The are taking my money and not paying my bills!!
2nd problem with Come its I called and got through only once. Sent 2 emails.
Secondary problem Same creditor but different card-Comenity-XXXX I made the mistake of opening a card buying in a XXXX store and never received my card or bill! Also they have wrong address, one I lived in 5 years ago! It was supposed to be fixed after I called to get it fixed and can not get back through. No bill no card!! bad credit. These people are ruining me.
With the COVID19 I cant fix XXXX account in person.
06/24/2017
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
CA
90065
Web
Letter dated XXXX XXXX 2017, I received a welcome letter from PayPal, Thanking me for opening a Paypal Credit account. This letter stated they already emailed a notice to XXXX. I called paypal as soon as I received this letter, notifying them that I did not request to open a credit account and the email mentioned in the letter was not mine. Paypal continues to send bills to my home address. Paypal informed me to file a police report, I refused. Paypal opened this account with online information which had to be lacking in verification and proper procedures. A paypal representative explained that the initial opening of the credit account was charged with a {$14.00} purchase. Days latter they contacted by my e-mail, not XXXX of attempted purchases in access of {$1000.00} dollars which they said they rejected. For the life of me, I could not recall how Paypay had any information on me. A few days ago a bought a tool online through XXXX using a credit card. It turns out, paypal and XXXX have some sort of agreement, and I must of had to pay XXXX through paypal years ago using my credit card, not any paypal credit account. I have closed and deleted my accounts at XXXX and will continue to do so with any site associated with paypal. I wonder if paypal representatives are earning incentives for opening Paypal credit accounts, like XXXX XXXX?
07/20/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
PA
19013
Web
I held a XXXX XXXX store credit card for several years and had excellent payment history. I had about $ XXXX in available credit. I received a notice from the card provider that they were reducing my credit limit leaving me with virtually no credit available. I continued making payments on time. Then I got another letter saying they were reducing my credit limit again wiping out all available credit. I continued to pay on time. They again sent me a 3rd letter reducing my credit limit and keeping available credit at XXXX. I called them and they said they didnt know why the company would do that since I had excellent payment history but too bad. Then they sent me a special offer for my birthday that I couldnt use because theyd completely reduced all available credit. Haha! I called them again to complain. Again they couldnt understand or provide an answer. So I stopped paying to get their attention. They just started adding fees for nonpayment. Now the amount I owe them is much higher than the amount of my final reduced credit limit and outstanding balance but still less than the credit limit I had before they starting the 3 credit limit reductions. They instigated this situation. Why should I continue to pay on a credit card that keeps renegotiating the terms out of the blue when Id been so diligent about using the card responsibly?
08/31/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NJ
07718
Web
Servicemember
On XX/XX/XXXX I purchased a ring from XXXX XXXX in the XXXX. A Comenity Capitol Credit card was opened for the purchase. The credit card was charged {$8600.00}. I was told at the store that if I was not happy with my purchase that I could return the ring for a full refund within 30 days. I was also told in the store that my ring would appraise for well over the {$8600.00}. I brought my ring home and had the first appraisal on XX/XX/XXXX. That appraisal came in at {$4900.00} That appraisal cost {$75.00}. XXXX XXXX would not accept my appraisal. I had to get a " designer appraisal '' at {$120.00} That appraisal on came in at {$7700.00} I told them I was not happy with my purchase and wanted to return the ring. They refuse to give me my money back. They got the ring back on XX/XX/XXXX. Registered mail and insured. ( Proof enclosed ). XXXX XXXX stated they do not do give any refunds only store credit. I was lied to when making the purchase. I have enclosed page after page of NY Better Business Bureau of the same complaints. They were supposed to issue me store credit by XX/XX/XXXX which I did not agree to and on XX/XX/XXXX still nothing. I contacted the credit card company to issue me a refund and dispute the charges. They refuse to issue me a credit. I do n't have the ring or the store credit and they are still charging my credit card.
09/21/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
NY
10562
Web
I bought some jewelry a couple of years ago at XXXX XXXX. I was told that it was 0 % interest for a certain period of time ( XXXX XXXX XXXX XXXX ), Nothing was mentioned that if it was not paid in full that I would have to pay cumulative interest. I didnt even know cards like that existed. I just figured I would pay interest on the remaining balance if it was late. In XX/XX/2021 a few days before the promotion was over I reached out to them to get my account number. I wanted to transfer the remaining balance ( approx {$900.00} ) to a 0 % interest credit card. I needed my account number to do the transfer. They did not provide it to me. I also called and they dont provide account numbers over the phone. The also said it would be mailed to my home in my monthly bill. That doesnt help me because my statements are paperless. I could not find the account number online. I feel like they withhold the number to prevent people from transferring their balance. The other night saw a huge increase ( approx {$3000.00} ) in my statement. This is when I learned the interest charged was cumulative. That night I took money out of my savings and paid the remaining XXXX plus balance. I didnt pay the {$3000.00} interest. I was hoping they would be reasonable and see I paid off the interest free balance. I cant believe credit cards like this are legal.
05/28/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
VA
22307
Web
I mailed a check for {$1700.00} to Comenity Mastercard on XX/XX/2021 to pay off a balance. On XX/XX/2021, I noticed that the check had not cleared. Fearing it had gotten lost in the mail, due to the amount, I placed a stop payment on the check and paid the card balance of {$1700.00} online. At this point the card is at a XXXX balance & I think I am done with Comenity Mastercard.
On XX/XX/XXXX, Comenity Mastercard attempted to apply the {$1700.00} check to the account & charged me a {$29.00} fee returned check fee on an account that was at a zero balance. I called the customer service line, explained that the card was already paid in full when they tried to apply the check amount, that I had already paid a {$29.00} stop payment fee to my bank and that it is not fair to charge me a fee for a card with a zero balance.
After speaking with 3 people, two claiming to be supervisors, the consensus at Comenity is that I should have let the check I presumed was lost in the mail be paid to whomever and then request Comenity to send me a refund for any over payment.
I was also told that Comenity Mastercard must pass on charge back fees from their bank to customer ( because I am sure their profit margin can not absorb a {$29.00} fee ) even though my account was at a XXXX balance and I have no choice but to pay them an additional {$29.00}.
07/25/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
CA
92371
Web
I was reviewing my credit report and noticed the my Victoria Secret credit card was being reporting twice. One was my correct card i have had for 18 years, with current balance of {$0.00} and another was a fraudulent account showing balance of {$2400.00} XXXX around XXXX which Victoria secret had already handled and took care of but was still showing on my report. I printed out my credit report and specifically outlined with detail to remove the account with a balance as that was incorrect and not my account, but to NOT touch my open mature account ive had for almost 18 years with a {$0.00} balance and open credit line. This was very detailed as i DID NOT want my account closed. A month later when i went to check my credit report i noticed by long standing credit account with Victoria Secret had been closed. I was devastated as not only did that lower my available credit but it took away years of my credit history. I was in the process of starting to pay things down on my credit to build up my credit and this really hurt my credit. Again, i did not request this account closed and when i called Victoria secret they understand this was a error but advised they could not reopen my old account. I request the CFPB to please request them to reopen my long standing account that i was in good standing with as this was done in error please.
11/21/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
CA
92591
Web
I obtained a Smile Generation credit card from Comenity Bank about 5 years ago which has been, maybe 6.I became concerned when I reviewed my statement, and discovered that % 50 of my payment, was going toward interest, and % 50 to principal.I knew this was wrong, so I contacted them and question about this consistent pattern.It does not make sense, the contract does indicate this, and if it had I would not have accepted it.I was not given a reasonable explanation.I asked for a copy of my beginning balance, and was told we don't have one, in our system, it is stored away in our warehouse.I have been paying on this bill for years, and don't know what the beginning balance was.I lost my copy, and they will not supply me with one.Comenity also changed the interest rate, to what I don't know, because as indicated it has always been % 50 on my bill.It is taking years to pay this bill, if I pay more than the billed amount, they still apply % 50 to interest.I contacted the XXXX in their area, asking them for my payment history, and a copy of the original billed amount from XXXX XXXX , they didn't comply, they said they would within 30 days.These people are scamming me, and I want it stopped.Their refusal to supply with my billing history, and payments, including the original billed amount is evident they are deceptive in doing business.
02/11/2017
Yes
Consumer Loan
Installment loan
Managing the loan or lease
TX
75035
Web
On XX/XX/XXXX I purchase some furnitures from XXXX, they were offering 12 months same as cash financing, I take the offer and open an account with Comenity Bank, which is the finance company this store use. I did n't get most of my furniture till XX/XX/XXXX, I pick up about {$2000.00} worth of furniture within next few days, there is about {$4000.00} of furniture did n't get delivery till XX/XX/XXXX. I got charge for the interest due because I have not paid in full by XX/XX/XXXX, but the store told me when I purchase it, that the delivery will be on XXXX, which it did n't happen. I call the store and the Comenity bank, both refuse to help or waive the financing charge due to the delivery where postpone till XX/XX/XXXX. I only have about {$2300.00} left after I made many regular payment over the last 12 months. I was going to make the final payment on XX/XX/XXXX once my 12 months time is up. But according to Comenity bank they say the interest free is only good till XX/XX/XXXX, if I do n't paid by then I do get charge for the interest accrued for the full amount. I have attached the paper work to show the delivery date and the first month statement and most recent month. Please assist with this matter, I feel the retail store and the finance company should n't have charge me for product which I have not received. Thank you so much.
02/03/2017
Yes
Credit card
Closing/Cancelling account
TX
75025
Web
Comenity Bank approved a XXXX XXXX VIsa card for me on XXXX/XXXX/2017. I had made online purchase at XXXX which was approved. I received the card and setup my online account/access. When I tried to use the card it was declined. I thought I did n't activate correctly so I activated it again via the online process. Both the online and voice status of the account indicates that the account is active ( as of XXXX/XXXX/2017 ). Tried to use it again and was declined. I called the bank again and spoke with a bank agent. They told me the account was closed but could n't give me a reason why it was closed. They said a letter was being sent. I finally received the letter from Comenity Bank and it said it was closed due to too many credit inquiries. The credit bureau referenced was different from the XXXX that they pull to approve my initial card application. When I received the card from them, there was no disclosure to what credit score or bureau was used to approve my account and determine the account APR. I have many other accounts with the bank with XXXX late payment history. I have a 3 year good payment history with the bank. In fact I have always paid any account balance in full upon receiving a statement from them. They should not have approved the account to begin with if they were going to turn around and close an approved account.
10/12/2017
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
CA
90047
Web
I recently looked at my credit reports and noticed that XXXX XXXX/XXXX reported negative marks 30 days past due as of XX/XX/XXXX, XX/XX/XXXX on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
In short, I never received such a warning notice!
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the federal reserve
04/24/2017
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Confusing or misleading advertising or marketing
TX
78501
Web
Older American
On approximately XXXX XXXX , I was with my grands whom I wanted to make a purchase for. I am XXXX , am a widow to a US veteran, and although I have good benefits the advertised fixed payment option was perfect. My grandson wanted a XXXX . It clearly states io eBay if approved for PayPal cre dit, the payments would be a certain amount. I clicked the button, was approved and then told it was not eligible due to being a high risk item. M y PayPal account was then limited to only being able to add funds, but not make or withdraw. They have asked for at le ast 4 form s of identification and proof of address and now tell me they will keep my information and I can not use the account. I have a deep accent and am elderly. I also offered to send in my birth, marriage, and credit reports that confirm my identification and current address. There is no check to my credit and I 've not received any assurance my credit line would be closed. Since I see no issues on my credit report I have no other idea but that it is associated directly to my having a heavy accent and being elderly. I called my creditor and bank to see if they had received a call fro m PayPal to co nfirm my statement information which was requested and they had not so a proper investigation has not been made and I 've been unfairly judged and discriminated against.
07/10/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
IL
60070
Web
Account # XXXX - Comentity Bank/XXXX On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account is paid in full and is closed. The charge off for Comentity Bank/XXXX has not been updated. I contacted XXXX & XXXX on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX.
I looked at my credit report today through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX & XXXX and was told that Comentity Bank/XXXX has informed XXXX & XXXX that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX on XXXX and will file with XXXX today. XXXX has removed this account from my credit report. I would like for Comentity Bank/XXXX to request removal of the tradeline as well. If they are unable to, I would like for them to inform XXXX and XXXX that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX XXXX XXXX, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
04/28/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
VA
22153
Web
On XXXX XXXX , XXXX I went t o Virgin Americas w ebsite to look into booking a flight on their airline. Through that process I came across a credit card and decided to apply. I was instantly approved with a credit score of XXXX . About a week later my new card arrived in the mail and as I attempted to activate it and make a purchase I realized that the card was not working. I then reached out to Comenity Bank who issues the Visa and they explained to me that my account had been closed and a letter would be mailed to my house. Come to find out the account was closed due to the product not being offered anymore through the bank and company due to the merging of them and another airline XXXX . I have reached out to Comenity Bank to get them removed the inquiry and account off of my credit report to no avail. I should never been allowed to apply for their credit card if they never intended for me to own it and therefore it would have never resulted in an inquiry and account. I have filed a dispute with XXXX of the credit bureaus but its a lot of work to try and get them all done and I need my governments help with the matter as this appears to me to a violation of the Truth in Lending regu lation due to it being a deceptive practice that result in real damages to my credit scores across the board. Thank you - XXXX
07/17/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Public record information inaccurate
TN
37205
Web
SAGE STREAM I applied for a credit card for Ann Taylor XXXX through Comenity bank on XX/XX/XXXX.
I had a card with them for years, but canceled it in XX/XX/XXXX when XXXX and Ann Taylor cards merged. I did not receive credit for clothes I returned, so I canceled my acct since they were having so many problems while they were merging cards.
I applied for a new card on XX/XX/XXXX. They refused to give me one. I have EXCELLENT credit. I called XXXX and Commenity bank and asked why, and they said they could not tell me. They told me to call XXXX XXXX. XXXX XXXX said they could not tell me either, but would send me a letter.
The letter of XX/XX/XXXX said, " We are unable to approve this application at this time because the information provided by the credit reporting agency has indicated that the applicant is deceased. '' I was concerned I had fraud, so I got credit reports from XXXX, XXXX and XXXX. Everything was correct and my XXXX is still very good.
XXXX XXXX said that I should contact XXXX regarding my consumer file. XXXX said that they did not see a deceased statement on my file.
XXXX XXXX refuses to help correct this information, so I am placing a security freeze on my account.
Who is XXXX XXXX and why are they creating so many problems for people?
Please take action and help consumers.
Thank you!
XXXX XXXX.
01/16/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
PA
18421
Web
Older American
XXXX XXXX ( aka XXXX XXXX payments ) refunded to my account {$11000.00} that I have a refund slip. It was sent to the original account ComenityXXXX XXXX Credit Card opened XX/XX/XXXX. The account was closed and paid in full XXXX, XXXX. The re-assigned credit card number is on my credit report. The refund fromXXXX XXXX was made XXXX, XXXXI have called so may times to Comenity bank and the same thing over and over is stated. You do not have a credit card with Comenity Bank. I have the listingon my crdit report and I have a credit card statement with my name, account number, address, etc. I paid off the {$11000.00} XX/XX/XXXX. I did so because of the interest, etc. There is a whole long story behin thisXXXX XXXX XXXX REFUNDED THE MONEY TO COMENITY BANK XXXX XXXX, XXXX. They stated their policy is to send to the original purchase point. I have a dialogue with XXXXXXXX XXXX. I sent a USP priority Mail packet with all the documentation I have to Comenity Bank XXXXs XXXX XXXX XXXX XXXX, XXXX. The tracking on this packet stated Comenity received this packet XX/XX/XXXX, XXXX dI received a letter bacvk thaat the account is closed and the balance is zero. SO what happened twith the {$11000.00} refunded by XXXX XXXX. I have documentaTION TO SUPPORT MY COMPLAINT. I can uplod my credit report pages as well. I have not scanned them as yet.
07/28/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
92866
Web
I have a Victoria Secret Credit Card that I canceled on X/XX/17, I spoke to someone from their company from the number they listed on the Credit Card application and they confirmed with me that everything was paid and my card was canceled. Then a week later on X/XX/17 I get a statement through email saying I owe {$1.00} Fee. Confused I call back on X/XX/17 asking what the fee is for, they say for every purchase there is a {$1.00} fee as stated in the policy. However, I did not make any recent purchases in the past month/two so I asked where it came from, the lady told me that is was a fee that was charged a while back when I purchased something and has not shown up on the statement until now. I stated what their policy says, that I must pay all the remaining balance on the credit card before canceling ... which I did. So there is no reason or me to pay the fee. The lady answer with " Good point that is correct however you would still need to pay the fee because it was already on your balance '' ... I asked to speak to someone else in charge of the account.. she put me on hold and I was disconnected. My next actions were to report it to CFPB, I would hate to see other Victoria Secret Credit Card holder go through the same thing, or if they have would like to see CFPB step in to correct this financial mistake from the company.
12/08/2021
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
NY
11221
Web
In XX/XX/XXXX, Comenity Bank/Lane Bryant lowered my credit limit without notice, and without my permission, and permanently closed my account on XX/XX/XXXX. This is adverse action, and federal violations of Regulation B 12 C.F.R. 1002.2 ( c ), 15 U.S.C. 1691 ( a ) ( 6 ). According to Regulation B 12 C.F.R. 1002.4 ( a ) and 12 C.F.R. 1002.4 ( b ), Comenity Bank/Lane Bryant has XXXX discriminated against me, and has inflicted discourgement upon me. According to 15 USC 1602 ( a ) ( p ) this is unauthorized use of my credit card. I did not benefit in any type of way, from Comenity Bank/Lane Bryant revoking , and closing my credit account unlawfully. I made a previous complaint via the CFPB. On XX/XX/XXXX, XXXX XXXX of the Compliance Department at Comenity Bank/Lane Bryant responded to my complaint via CFPB, and threatened to injure my reputation to the consumer reporting agencies by retaining my consumer information, amongst other civil and criminal acts. I never gave Comenity Bank/Lane Bryant XXXX XXXX XXXX XXXX XXXX, or permission, to report my credit information to the credit reporting agencies.This is a federal violation pursuant to 18 USC 876 ( d ), 15 U.S.C 1681s-2 ( 7 ), 15 U.S.C 1681a ( d ) ( 2 ) ( b ), 15 U.S.C 1691 ( a ), 18 U.S.C. 914, 15 U.S.C 1692d, 15 U.S.C 1691 ( a ), 18 U.S.C. 241, 18 U.S.C. 242, 15 U.S.C 1681n.
08/30/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
34209
Web
On XX/XX/XXXX I paid the remaining balance on our XXXX XXXX XXXX off ( Comenity Bank ). Mine was {$200.00} and my husband 's was {$710.00}. The following month, we got new statements showing {$0.00} balances. However, they were charging me {$1.00} in interest and my husband {$4.00} in interest ( on XXXX balance ). I called as soon as we got the statements and was told the interest was carry over. She took my balance down to XXXX and we closed our accounts, but she said she could not remove the {$4.00} on my husband 's statement. We then got a new statement showing he now owes {$9.00}. I called on XX/XX/XXXX and was disconnected twice after explaining my complaint and was told because the account was closed, they could not help. The third time I called I asked for a supervisor and again explained the situation. He stated that because I did not pay it off in XXXX, there was a fee that showed up on the next statement. I replied that the next statement was the one I paid in full and there should be no more fees. I told him even though it was only {$4.00}, it's the principal and that these fees could continue forever and it's quite a racket. He said it is completely legal and those fees would not be removed! I said I would take it all the way up to the president of XXXX, to which he replied, who do you think implimented it ....
07/16/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
11417
Web
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.
1. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
3. Identity Theft XXXX Date of inquiry : XXXX1 This is not mine.
4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
5. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
6. Identity Theft 01 COMENITY CAPITAL BANK Account Number : XXXX This is not mine.
7. Identity Theft 01 COMENITY CAPITAL BANK Account Number : XXXX This is not mine.
8. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
9. Identity Theft COMENITYCBXXXX XXXX Date of inquiry : XXXX This is not mine.
10. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
12. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
13. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
14. Identity Theft XXXX Account Number : XXXX This is not mine.
15. Identity Theft XXXX Account Number : XXXX This is not mine.
16. Identity Theft XXXX Account Number : XXXX This is not mine.
05/21/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
LA
70065
Web
On XX/XX/2020 the fradulaent charges were done at XXXX XXXX XXXX in XXXX XXXX. Three charges totaling {$5200.00}. That same day another fradulaent charge was done in XXXX at an XXXX gas station for {$45.00}. The last charge was done on XXXX XXXX, 2020 at a restuarant XXXX XXXX XXXX XXXX for {$71.00}. On XXXX XXXX, 2020 a call was put into the credit card company to report the theft, after receiving a text message with an alert someone was trying to purchase some items at XXXX XXXX XXXX. The credit card proceed to investige the charges and close the case a week or two later stating the charges were on the credit card owner. The son in law made a call on XX/XX/2020 to speak to the credit card company to gather information on how they found the credit card owner responsible if it was clearly in fraud incident. On one of the calls the credit card company request that we provide a police report. We have given the police report number to the credit card, but doesn't seem to help.
Today i plan on attaching all the information from the police report we have at the moment.
XXXX XXXX XXXX office actually has the reciepts from the purchased committed at XXXX XXXX XXXX. One thing the detective told us is the credit card that was used to commit these crimes and the one the credit card owner has does not have the same expiration date.
09/07/2019
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
CT
06897
Web
Comenity Bank on behalf of XXXX card has been trying to collect {$99.00} from me since early XXXX. I called them on XX/XX/XXXX and send the letter of explanation and proof of payment to the address provided by Comenity Bank. In my letter, I also filed a formal complaint about the way Comenity Bank conducts it collection. Additionally, 1. Comenity is rude. I asked them to transfer me to their supervisor whom I talked to before. I provided the supervisor 's first name and her representative ID. The XXXX representative told me she could not transfer me unless I provide her extension. How am I supposed to know her extension? Isn't her representative ID good enough?
2. The communications between Comenity and XXXX are flawed. Comenity and XXXX are transferring me between these two entities back and forth. One doesn't know what the other is doing. For instance, Comenity asked me to send my letter of explanation and proof of payment to XXXX. I did so on XX/XX/XXXX. However, I called on XX/XX/XXXX with respect to the correspondence. First, Comenity claimed I sent it to the wrong recipient. I should have sent the correspondence to Comenity. However, it was Comenity who told me to send it to XXXX. Then, Comenity said they saw I sent in some correspondence, but did not have the date and exact content. This is very bad record keeping.
10/25/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
AR
72076
Web
I recently paid my entire balance off with Comenity Bank XXXX after I started the hardship plan due to losing my job during the pandemic and the bank is STILL holding my funds after I asked a CSR Would my funds be available and will I be able to utilize my card? They said yes and that was a farce! I made the payment on XX/XX/2021 and called and spoke with a representative on XX/XX/2021 and thats when I was told that the funds would be released after the payment had posted. I checked my financial institution balance and it showed the deduction had taken place for Comenity Bank and the payment had posted on Comenity Banks end as well. A call was made on XX/XX/2021 about the reasoning behind my funds not being released and the CSR at Comenity told me that The payment was made after the closing date so Ill have to wait a month I then informed them that I spoke with a representative who relayed to me that once the balance was satisfied I would have access to my funds. The representative I spoke with on XX/XX/2021 stated that the information provided to me prior was incorrect. Im now being penalized for something I had no knowledge of and when I asked if this could or would happen I was told No it wouldnt. This is very unacceptable especially when youve come out of a financial downfall and youre trying to satisfy all your debts!
04/02/2019
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
GA
30127
Web
Servicemember
XXXX XXXX is the bank in which I have a XXXX XXXX Account. A couple of years ago my credit limit was increased to {$800.00} when I did not make a request. This increase caused my credit score to drop 30 points without any reason. I filed a complaint with CFPB against all 3 credit bureaus and neither credit bureau could answer why that occured, basically citing proprietary reasons. Over the last 2 years XXXX has consistently lowered by available credit when I have requested an increase. Most recently XXXX indicated that my credit reports were the reason why they lowered my available credit. I do not have any delinquent accounts or late payments. I have paid XXXX as required. My contention is XXXX, like XXXX XXXX and other banks are doing this in an effort to force consumers to seek other credit products. Currently my account appears to be maxed out after a recent purchase. XXXX changed my available credit from {$700.00} to {$520.00} after I made a payment of {$300.00} on XX/XX/2019 and a purchase of {$200.00} on XX/XX/2019. Now my available credit is {$22.00} which has the effect of a maxed out account. XXXX XXXX identifies/suggests many credit card products and now loans to " fix '' my credit. Recently I filed a complaint against XXXX XXXX for holding my {$320.00} payment which they released after I filed my complaint.
03/14/2017
Yes
Credit card
Balance transfer
IN
46259
Web
Comenity Meijer. Got an offer for balance transfer zero interest until 2018. I initiated the balance transfer online from this card to XXXX for {$900.00}. It posted to my account XX/XX/XXXX. I followed up got late fees and interest. It never posted. Comenity indicated to wait, it could take weeks or months. In XXXX I believe I contacted them again via messaging. Finally they opened up an investigation. In XXXX I received a letter that it was never cashed and I called to have the money returned to my account. They advised they would stop payment immediately and get the money back into my account. They never did. Called again in XXXX and they said they 'd investigate. Never called back. Called back again and was told it was cashed so I asked ONCE AGAIN for a copy of the cancelled check. I was told a request would be escalated. Instead I got a letter confirming the check number XXXX cashed and they were closing out their file. I called today for a copy of the cancelled check AGAIN and the rep said the next day notes were put in the day after the letter was generated, XX/XX/XXXX, that check was NOT cashed. I said then stop pay and refund my account immediately. She said she 'd send to the person assigned to look into this. My first inquiry was XXXX and now it 's XXXX and I am out of {$900.00}. I need this resolved immediately.
09/17/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
VA
23669
Web
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
10/08/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with customer service
OH
44143
Web
Comenity Capital Bank issues and services the Orbitz Rewards Credit Card.
The very first statement I received was on XX/XX/XXXX.
The statement in the amount of {$890.00} was paid in full on XX/XX/XXXX, even though the payment due date was XX/XX/XXXX.
On XX/XX/XXXX, Comenity Capital Bank or its subsidiaries initiated an electronic debit from my bank account for {$580.00} to pay for the CURRENT month transactions.
Comenity Bank 's action to electronically pay {$580.00} for the current unbilled month credit card transactions was NOT authorized. However, even adding the current monthly transactions to XX/XX/XXXX, the actual amount owed on XX/XX/XXXX, was a negative amount at - {$480.00}. So where did this {$580.00} come from?
Agents representing Comenity Bank insist that the {$580.00} payment was a statement balance and authorized.
The industry standards for a revolving charge credit card account is that the credit card issuing bank gets paid the statement balance until the following months ' statement.
The action taken by Comenity Bank is non-standard and allows the bank to collect for current billed transactions which are not due to be paid until the following month bill due date.
Comenity Bank 's actions are NOT designed to protect consumers and are unfair business practices on the part of the credit card issuer.
03/04/2019
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
CA
95835
Web
Servicemember
on XX/XX/XXXX I had accessed my credit report for review. I found that my XXXX XXXX CC ( XXXX ) was closed in XX/XX/XXXX. Today i called XXXX CC and asked if i can have my account reinstated. I have been a loyal card member with 99 % ontime payments since XX/XX/XXXX and my card was closed d/t inactivity. The initial rep said there was nothing she could do and gave me to supervisor XXXX. XXXX basically stated the same notion. However, she stated that express sends out notifications if accounts are going to be closed and the cardholder has 7 days to respond to the notice. I stated that i did not receive a notice from XXXX. She placed me on hold to verify if a notice was sent. After being on hold for over 10minutes our line was disconnected.
I then called back and spoke to a different supervisor by the name of XXXX. XXXX stated that XXXX did not send a notice to me in XX/XX/XXXX and that my account is closed d/t inactivity. I tried to explain my long good standing with the company and how in the past 5 years i've had XXXX kids and that was the reason for the inactivity. Additionaly, my husband was XXXX from XX/XX/XXXX-XX/XX/XXXX and i had no opportunity to use the card with children in tow. XXXX stated he can not re-instate my account.
I had a similar situation with XXXX and they re-opened my account for use on the spot.
07/25/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
60123
Web
Due to medical issues I have been experiencing with a XXXX XXXX XXXX, I mistakenly missed paying an {$8.00} balance on my XXXX XXXX XXXX card that is issued by Comenity Bank. I paid it as soon as I realized the oversight. I was charged an almost {$9.00} late fee which I feel is unreasonable and unfair and possibly a UDAAP violation to charge double the balance for a fee. I emailed several times and the reps took several days to get back to me and advised me to call in. This month, they have now charged me a late fee on a late fee so the balance has grown to over {$24.00}. I contacted XXXX XXXX XXXX by phone and today spoke with a supervisor who was only willing to credit {$14.00}. They acknowledge my great payment history since XX/XX/XXXX with one exception of a courtesy late fee credit extended in XX/XX/XXXX. I manage this account as well as all of my accounts with Comenity perfectly. I do not think this is a fair way to treat a customer and very greedy for them to continue to charge me fees on a balance that only consists of fees, especially when the balance is so small. This issue is not worth the time it has taken for me to try to find someone to be reasonable with me and yet Comenity refuses to make an exception for a great customer and continues to quote their policy to me. I will not be using this card any longer.
02/06/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
TX
75218
Web
I gave my bank information over the phone to a woman collecting money for Comenity Banks Victoria Secret Store card and then she didnt process my payment after she said she would. I asked to close the account and she transferred me to her supervisor, hung up and said thats weird and that she didnt hang up or transfer me yet. After it happened again I left it at that, assuming that she processed that payment like I asked her to. I had my doubts and then the next day I got a notification from XXXX XXXX saying that there was a late status on the account. Not only did that first American representative not process my payment, she reported me to the credit bureaus, this after I have received no mail from VS or Comenity Bank, and after I attempted to pay it. She was mean and told me I didnt know how credit cards work EVEN though I cooperated and gave her my information. We naturally didnt have a great interaction, mostly because of her bullying behavior. I have a XXXX XXXX and I thought I was doing really good with it and I try so hard to limit my stress but this gave me days of XXXX and XXXX episodes. It should be against the law to go beyond your job duties like this and trample on human beings you might actually like, lying to yourself that, oh well, you dont make any difference, because you definitely do. Oh yes you do.
08/19/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with customer service
TX
77494
Web
Servicemember
Issue with COVID-19 Payment Relief I have spoken to Customer Service several time, my calls received by agents in XXXX and also I receive agent 's calls from XXXX. Simply, these agents do not not how to handle COVID-19 payment relief requests.
I requested for COVID-19 payment relief and thought it all went OK but I noticed a late payment on my credit report. I contacted back and I was told that it has happened because I did not pay the late fee. The agent from XXXX said he will need a payment before setting up COVID-19 payment relief. But, he was not the only agent said it to me, there were several other agent from XXXX said the same to me. One of the agents said that he will credit my account with {$15.00} if I pay my bill to him.
after i filed the complaint against the bank i told them that i filed the next day the reduced my credit limit by {$70.00} which caused my credit score to drop by 69 points, i called them and asked why are they keep asking to make a payment when i requested covid help, they kept ignoring my question and kept asking when am i going to pay. my concerning is that if the consumer asked for covid payment relief several time why are they asking me to make a payment. that is a violation because the government has motor for all lenders to provide relief not to report to bureau for late payments.
12/08/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
IN
46123
Web
I have a credit card by Comenity - Meijer MasterCard. When I received my XXXX payment on XX/XX/XXXX for a sum amount of {$510.00}, I noticed there were several Fraud transaction purchases on my credit card under XXXX, XXXX XXXX, and others under this # XXXX CA. Further search on my past available payment forms from XX/XX/XXXX to XX/XX/XXXX I noticed there were several Fraud transactions under # XXXX CA for the amount of {$1500.00} without my knowledge. I called Comenity - Meijer MasterCard ( phone # XXXX ) and reported the Fraud activities. Comenity - Meijer Master Card representative informed me there are several fraudulent payment purchases on my card and that they will investigate and send me a letter of the results in a month ( XXXX ).
I received a second statement of XXXX that listed all of the Fraud activity on it ( see attached ). Since it was a month that passed and they did not respond with the letter as promised, I called them back. They then told me that I am fully responsible for all the Fraud activities without giving me any reason when I asked. The Comenity firm is responsible to protect their customers from Fraud and should inform them by mail, email, or call for any of these unusual activities on the credit card. Lastly, they should follow through with sending a letter as they said they would in XXXX.
10/15/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
NJ
07755
Web
I had an issue with my Comenity Capital Bank credit card for Forever 21. I never received an order and was issued a refund. Regardless of this, the company continues to charge me interest and late fees on a purchase that I never received. I filed a complaint with the XXXX a while back and received a letter from Comenity Capital Bank stating that my account was XXXX out and closed as per my request. As of XX/XX/2020 the letter states that my account balance is XXXX. I was also receiving harassing phone calls from restricted numbers at all hours of the night which is illegal. I usually wouldn't close a card because it would hurt my credit, but I had no choice as per these phone calls I just wanted them to stop. I have attached a photo of the document below ; as well as a photo of my credit history report which states that I had 100 % payment history until this point. Also I filed another report with the XXXX yesterday and today ironically I received emails from XXXX XXXX stating that my account was updated to past due. My credit score of over XXXX has gone down to XXXX and I was turned down for a new credit card. I am considering legal action against the company if this can not be reversed. I absolutely will not and refuse to pay any fees associated with an order that I did not receive. Please see below documentation.
05/04/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
IL
60610
Web
I have taken a XXXX credit card via Comenity LLC while purchasing my phone back in XXXX and have been paying monthly since then. After one year, Comenity decided to end the credit card partnership with XXXX and they decided to change clause up to their own interest, without my consent. They have also send a letter that they are closing the account but i can still pay remaining balance on a monthly basis. I have been making regular monthly payments and by XXXX XXXX , all that was left was {$150.00} as my credit card balance to pay them. I also called their center few times in XXXX XXXX to understand how the new rule works and if i should close the account by paying off remaining balance. What i have informed was there is no connection with XXXX anymore and they do n't have any information regarding my credit card. But I kept paying online through their portal and in XXXX XXXX , I was shocked to see a charge of {$180.00} interest alone for {$150.00} remaining credit card balance and takes the total to {$330.00} in remaining balance. Within couple of days I paid off the {$150.00} original balance. There is no one that i can talk to or reach out to at the firm to understand this outrageous charge and hence I request XXXX XXXX XXXX to step in and kindly help me in this regard. Thank you
05/16/2020
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
OH
44273
Web
On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX collecting a debt of XXXX XXXX XXXX dollars. After reading this letter, I called their number to find out that I have not made a payment on a Victoria Secret transaction. I was unaware of this charge since I never received a bill in the mail.
I then called Victoria Secrets customer care line. I talked to XXXX, who told me that I had made this transaction on XX/XX/XXXX of XXXX dollars. I asked him to inform me where this bill was being sent. He said that he was not authorized to tell me that information. However, he did tell me that the address that I provide him was not the same address they had on file.
After ending the call with XXXX, I called XXXX XXXX XXXX to talk to XXXX XXXX. I asked him how they were able to send me this debt collection to the correct address when Victoria Secrets had been sending the bill to the incorrect address for seven months.
Victoria Secrets had not been sending the bill to the correct address, they had not tried to reach out to me via phone number that has not changed. If they were to send me a bill to the correct address or tried to reach out to me in any way I would have made the payment in full like I do all of my other bills.
By sending this complaint to you I am hoping we can resolve this issue in a reasonable matter.
10/25/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
60089
Web
I opened a XXXX credit card with Comenity bank in XXXX XXXX. Since opening I made two purchases on the card. The first payment for {$120.00} was made on time. They did not give me an option to sign up for automatic payments so I had to manually make the payment.
I made a second purchase for {$29.00} on XXXX/XXXX/XXXX. I assumed the account was on autopay and did n't check to make sure the bill was paid. They had sent me emails but I did n't check them. I got a call from them on XXXX/XXXX/XXXX asking me to pay all outstanding balance. I told them I missed the payment assuming it was on autopay and asked if they can reverse the late fee of {$29.00} XXXX at this point my payment was {$29.00} purchase + {$29.00} late fee ). They responded rudely and said they 'll report the account as " not intending to make a payment ''. I was frustrated with the experience but I paid off all outstanding balance XXXX {$58.00} online payment ) and closed the account.
I received an email on XXXX saying there is a balance of {$34.00} on the account. When I checked, I see a new late fee charged on XXXX for {$32.00} and another {$2.00} fee on XXXX. All this had been charged after I paid all outstanding balance on XXXX. I called them today and they said I need to pay all outstanding fees otherwise they will continue to charge me more fee.
09/03/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
VA
23223
Web
On XX/XX/XXXX I send a certified letter to Comenity Bank regarding credit reporting issue. In that letter I requested the bank to update/correct incorrectly reported information regarding credit card payments.
In XX/XX/XXXX I entered a payment arrangement/hardship program. The contract required three consecutive on-time payments for the account to be reported current. I committed to this program for 1 year with ALL on-time payments.
As I started to work on my credit report, I noticed late payments for ALL Comety credit cards ( XXXX, XXXX 's and Victoria Secret ), specifically during the " contracted '' period.
I feel I have met the requirements of the program, therefore I should not be penalize for late payments.
Most recently, I signed up for a credit card from XXXX & XXXX ( managed by Comety ). A payment was schedule, however an innocent typo on the checking account blocked my account from accessing funds or online usage. The same account is used to make payments online with other products ( XXXX, etc. ) and never had that problem. Could they come up with linking accounts to avoid this troublesome problem of mistyping account numbers?
I contacted customer service on Friday XX/XX/XXXX from Ms. XXXX and Ms. XXXX both were not able to address my concerns regarding waiving fees and reactivating online access.
07/11/2019
Yes
Debt collection
I do not know
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
MD
20747
Web
I am in receipt of harassment calls all day, XXXX days a week. The calls all come from " 800 SRVCS ''. The calls begin at XXXX am and continue to XXXX pm. The calls are constant and they are the same company I complained about in my prior complaint to you : Complaint ID : XXXX from XX/XX/XXXX. They stopped calling for a few months and then they start up again XXXX months later. The calls began in XX/XX/XXXX ; then stopped in XX/XX/XXXX after your intervention. Once again the same tactics have began. These were some of the same numbers used by Comenity Bank. The caller asks for XXXX XXXX and XXXX XXXX XXXX. They know that these people do not live at this address neither have they ever lived at this address. I don't know these people and have only heard of them from the callers. I believe these callers are trying to get my personal information. I am on the " Do Not Call List ''. They could also be evading the rules of the " List ''. I am absolutely tired of these calls, constant calls. They have promised to stop their harassment ; yet they continue. I don't believe any of this is a coincident. They call from the following numbers : ( XXXX ) ; ( XXXX ) ; ( XXXX ).
I deserve peace without harassment. Please stop them! I constantly block their phone numbers and then they call from new numbers, listed above.
Thank you
04/27/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
CA
93543
Web
Older American, Servicemember
Comenity Bank closed my XXXX credit card without telling me or XXXX clothing store. When I signed on to the Comenity Bank website for the card everything looked fine, and when I placed an order for clothing on XX/XX/XXXX, XXXX had no indication that the card was closed and completed the order. On XX/XX/XXXX I received an email that there was a problem with the order, but XXXX customer service could not figure out what the problem was. They transferred me to Comenity Bank, where the staff said the account had been closed because I had not used it for at least 2.5 years. I looked up my records and told them I had last used it on XX/XX/XXXX. I asked when it was closed and they said on XX/XX/XXXX ( three days ago! ) They then said they are able to close accounts due to lack of use within 18 months.
This is problem for me as my credit rating is excellent and having accounts closed does not look good on a credit report. I spoke to Senior Credit Specialist XXXX ( no last name ) ID number XXXX. She said the account was properly closed and could not be returned to active status.
So to recap : account closed without any warning to customer, no indication that account is closed on website used by customer to access account, no indication to store that the credit card is exclusively used on that account is in fact closed.
06/19/2019
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
CA
95129
Web
I was in a XXXX XXXX XXXX XXXX store around the end of XX/XX/2019. I bought something and a store member asked me something about a rewards card. I said ok. They asked me to say my social security number to a representative. Around two weeks I got a credit card. I did not know why I had a XXXX XXXX XXXX XXXX credit card.
I read the letter it said I can get my credit card closed within 30 days if the credit card was opened by telephone and I dont want the card and the charge on it will also be wiped out. I called then once. They argued and said it was not possible to do that. Basically I told them there I will pay off the card and requested they close my account because they were difficult and wouldnt follow the rules. I later called back because it was not closed after I paid off my balance. I asked them to again close the balance. I think they said ok. A month later I complained through their internet portal, and they gave me an response in the attachment. I looked today, my website still shows my credit card as active. The purpose of this complaint is to See if my credit card account with XXXX XXXX XXXX XXXX closed or if it isnt can I please get it cancelled and removed, because I believe I did not compliantly and with knowledge open this account, and they did not do their job properly in every sense of the way.
11/28/2021
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
WV
25276
Web
Basically I was shopping online at XXXX. When I was checking out it said I could save 40 % on this order if I applied for the card ( It even gave the exact dollar XXXX I would pay if I got it ). I applied. It said approved and said it would be added XXXX order. It wasn't. I called customer service to get the card number and a code for the XXXX percent off. The first associate hung up on me. The second directed me back through the automated system. At this point I knew this must be a regular thing for them and the employee knew I wasn't getting what I want and was going to be upset. I asked for a manager and he told me Don't worry, you'll get your card in a week and can use it then. I was like, No... I want to use it for this order. He told me it had to be used when making the order so he couldn't help me. I was still in the order!!! I had left it on my phone for days. So basically I made a contract with this company that I applied for their card and I got 40 % off. I did my part and they didn't follow their part of the contract and they don't care. The bank is called Comedity Bank. The manager wouldn't give me any last names and said there was no one above him to speak to. So basically I got scammed and my credit is taking a hit for no reason. He told me he couldn't close it and can't do anything about my credit.
07/31/2019
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Credit card company forcing arbitration
VA
22030
Web
Servicemember
This complaint is in reference to my XXXX XXXX account. I made a purchase from XXXX XXXX in XXXX of 2017 and stayed current with the payments. However, my account was purchased by another lender without my knowledge and I was never notified. I've since encountered several billing issues that have resulted in a problematic sequence of events with this lender. The fact that I'm not receiving a bill leaves me behind on several months worth of payments. After the initial breach of terms that I had agreed to I suspect this is the lenders attempt to reconcile the account in full to reduce it's liabilities or sever it's liability altogether by forcing this account into default. I have received hundreds of harassing phone calls from unidentified callers claiming to be associated with this bank demanding bank account information which I have refused to disclose over the phone to an unidentified caller ( sometimes from XXXX XXXX. The bank has admitted a billing error, but refused to bring the account current a resume accepting the agreed upon amount as payment. On every statement they offer credit counseling, which I suspect they charge a fee for. This may play a role in the reason why they do this. I have never agreed to auto-draft payments as they not consistent with my pay frequency, nor did I agree to balloon payments.
03/08/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
AL
36605
Web
Creditor : XXXX XXXX Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry.
I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed.
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past.
Thank you for your assistance in this matter, XXXX XXXX
03/03/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
AL
35758
Web
In XXXX of XXXX, XXXX, and again in XXXX, my XXXX card issued by Comenity Bank was used by an unauthorized party who somehow had access to my account information even though I received a new credit card number after each of the three previous unauthorized charges during the past three years. No one else has access to my credit cards.
In XXXX and XXXX, after filing a formal complaint with Comenity, they eventually conceded that it was an unauthorized charge ( XXXX for {$380.00} ) to my credit card. After each event, I received a new credit card with different account number. Unfortunately, in XXXX Comenity declined to do so, requiring me to pay the unauthorized charge to keep my account current and avoid a negative impact to my credit rating.
Given that this is the third time in that many years that my account has had the same unauthorized charge for the same amount and payee against my credit card, I am quite concerned about the lack of responsiveness on Comenity 's part and what appears to be lax oversight provided for unauthorized charges and worry about what certainly appears to be a pattern of control breakdowns leading to unauthorized use. I'm also concerned about Comenity 's continued authorization of these annual charges to new credit card account numbers ; someone should have observed red flags by now.
12/19/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
VA
20170
Web
Servicemember
XXXX XXXX XXXX misrepresented facts to consumer and the CFPB in response to a recent complaint. Consumer and XXXX XXXX XXXX were involved in an ongoing dispute regarding an underlying XXXX XXXX credit card account. In or around XX/XX/2018, consumer and XXXX XXXX XXXX engaged in settlement negotiations over a dispute regarding the veracity of purported debt. XXXX XXXX XXXX provided a settlement offer. In a letter dated XX/XX/2018, consumer proposed a counteroffer to settle the dispute. On XX/XX/2018, XXXX XXXX XXXX confirmed the settlement agreement and accepted the agreed-upon settlement amount noted satisfaction in full. The corresponding settlement check itself was submitted to the address specified by XXXX XXXX XXXX and Alliance Data pursuant to the XXXX. A review of records corroborates this. Despite this, XXXX XXXX XXXX sent consumer a letter dated XX/XX/2018 indicating that the debt had been " charged off '' on XX/XX/2018 and sold to another company called XXXX XXXX XXXX XXXX. XXXX XXXX XXXX continues to report the matter negatively to the credit bureaus and refused to honor the settlement agreement, which required that the matter be reported as settled in full/ satisfaction in full. XXXX XXXX XXXX also misrepresented to the CFPB and consumer that the settlement check was sent to an incorrect address.
11/18/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
TX
78669
Web
From XXXX - XX/XX/2020 my husband was out of work due to COVID 19 and my family was facing economic hardship. I became past due on my 2 Comenity credit card accounts with XXXX XXXX XXXX and XXXX XXXX XXXX. I made a payment as soon as possible and have since caught up and nearly paid off the accounts. It was my error for not calling ahead of time but I was ashamed and not in a good place that I could not pay even some of our small bills.
After I was in better shape, I called Comenity bank and they told me to put the request in writing based on economic hardship due to COVID-19 that I was requesting a goodwill deletion of the late payments on each account for XX/XX/XXXX. I did write such a letter to them ( see attachment ) and it was sent on XX/XX/XXXX.
I worked with THREE other credit card companies and each of them provided the goodwill assistance and deletions/not reported to the late payments I incurred due to COVID 19.
I received a letter from XXXX XXXX in the compliance department of Comenity dated XX/XX/XXXX that basically I was out of luck, too bad. They would not provide any goodwill due to my COVID hardship.
I find this devastating to my credit, and sad that a company such as Comenity can not provide a goodwill adjustment during the difficult pandemic time when many other companies are doing so.
10/11/2020
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
OH
44224
Web
Servicemember
On XX/XX/2020, I paid double the minimum payment for the month of XXXX. The due date is the XXXX of each month, so I paid nearly two weeks in advance. Somehow, XXXX XXXX XXXX takes longer than any other credit card I have. Because of their lengthy amount of time to accept my payment, which I choose the day of in which I log in and make the payment, I get charged late fees and my checking account ( XXXX XXXX ) that I pay for the XXXX XXXX XXXX fee is getting multiple insufficient funds charges because XXXX keeps trying to pull the money TWO WEEKS after I paid ( earlier than the due date )! 1. How am I being charged a late fee when I paid nearly two weeks early? 2. When I called customer service, the representative could not help me and her only advice was to manage my finances better ( hence why I pay near the beginning of each month to AVOID late fees and issues on the due date ( XXXX of each month ). Because of the payment not being processed, XXXX CLOSED my credit card and now my credit is going to absolutely plummet. I called customer service on XX/XX/XXXX, and I paid my bill on XX/XX/XXXX for my due date of XX/XX/XXXX of this year. That shows how long and ridiculous XXXX takes to process payments. I always try to pay more than double the minimum payment, so this whole situation is very upsetting to me.
10/22/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
CA
90049
Web
XXXX XXXX-XXXX secrets is being unreasonable. I had a major XXXX XXXX on XX/XX/XXXX. The XXXX was not 100 % successful, it turned up to be a nightmare as I was in and out of hospital for several days after that due to complications. In the process, I was unable to work and suffered emotional stress and developed XXXX XXXX XXXXr and couldnt function mentally.
My condition was so bad that I could not manage my finances for several days. As a matter of fact, I could not work during that period as I was recovering from XXXX complications. After I recovered, I maintained a perfect record ever since. Also keep in mind, if it were not the XXXX complications, this account would have never fallen behind As a loyal and grateful customer with this client, I sent them a letter explaining myself in detail on what had happened on XX/XX/XXXX with a request for them to remove the late payment history. I attached my letter with medical certificate as proof of my hospitalization but to my surprise, this company still keeps on reporting the late payment history even after it was clearly not my fault that I was late. For yet another time, please delete the late payment history of this account : Account # XXXX ; Date Opened XX/XX/XXXX ; Credit Limit {$5900.00} Attached herewith is the letter I sent to this company on XX/XX/XXXX
07/27/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
94114
Web
I closed my Virgin credit card account ( # ending with XXXX ) managed by Comenity Bank in XXXX. On XX/XX/XXXX, I received a bill from Comenity Bank for {$2200.00}. I. called the bank and they acknowledged that the account in XXXX was closed and could not answer why they accepted charges on the account in XXXX.
The bank opened a fraud claim and asked me to sign a document that said I might pay the charges if I did not cooperate with them. I told them I would not sign anything that implied I take responsibility for these charges. I offered to sign a statement that disputed the claims but did not include language about me accepting ay responsibility for these charges. I also filed a dispute with XXXX. Comenity refuted my dispute with XXXX.
I received a letter dated XX/XX/XXXX that informed me they found no basis for my claim. On XX/XX/XXXX, I received a statement showing a {$0.00} balance. I then received an email dated XX/XX/XXXX, stating I owed {$2200.00}. Comenity Bank continues to acknowledge these charges were placed on my account AFTER it was closed.
I placed a call to Comenity Bank 's fraud division again on XX/XX/XXXX at XXXX XXXX. I spoke with XXXX. She confirmed the account was closed in XXXX and the charges were placed on my account in XXXX. She could offer no explanation as to why this was done.
07/16/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
10304
Web
On Friday XX/XX/2018, I conducted a conversation with XXXX XXXX XXXX XXXX XXXX XXXX regarding the late fees and interests charges to my account. In speaking with a representative, I was told that my payment was received, however the form of payment was not shown. I explained to the representative that I made a full payment of {$160.00} on XX/XX/2018 putting my account into a XXXX balance owe. This amount was reported by the automated system upon making the payment. The representative was unable to assist any further. I was then transferred to a Supervisor to further discussed my grievance. I repeated what was stated to me by the representative prior. The supervisor then explained he was not certain where the previous representative was looking for this information. He stated when my payment was received and indicated that my balance was {$180.00} and that is what i was responsible to pay. I repeatedly disputed this amount with him stating that its was not the correct amount owed and to further investigate. In which i was told no further result would come of it. We were not able to resolve this matter. I would strongly like an investigation to be done as this is now beginning to affect my credit rating as well as negative reporting due to the companies lack of investigation. Thank You for you time, Ms XXXX XXXX
02/05/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
NY
11385
Web
I had purchased a couch from XXXX XXXX, called the XXXX XXXX. The couch was riddled with issues, and XXXX XXXX offered full refunds or replacement couches for all customers who have purchased a XXXX XXXX
The replacement couch process is as follows : the customer is charged the value of a new replacement couch ( a couch of their choosing ) on their original payment method ( in my case XXXX XXXX credit card ). At the time of delivery, the XXXX XXXX is picked up and a refund is issued to the card in the amount of the original value of the XXXX. I ordered the new couch on XX/XX/XXXX, and the return for the XXXX was issued on XX/XX/XXXX.
When I checked my last statement, I realized that I was charged interest for the balance on my credit card stemming from the new couch. The only reason this balance was on the card was due to the lengthy processing time it takes XXXX XXXX to refund the XXXX. This is an aggressive business practice because it forces customers to either 1 ) pay the full value of their new couch and then have the refund from the XXXX be applied to a XXXX XXXX credit card which has no balance, essentially coercing the customer to spend the value of a couch at XXXX XXXX in order to get their money back 2 ) pay interest at 27 % on a charge which is only on the account due to their defective product.
10/02/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
92657
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment {$54.00} missed XXXX payment XXXX Closed account - would not remove late fee XXXX Went into XXXX XXXX store in XXXX XXXX and paid balance of {$58.00} XXXX received another bill for missed payment in XXXX due date of XXXX - would n't remove fee even though account closed and Paid in full - said they could not remove it after the account was closed Received new bill with ANOTHER late fee XXXX - XXXX with a minimum charge of {$2.00} = {$29.00} so my bill is now {$63.00} in late fees Called XXXX - was transfered to a manager - was on hold for 25 minutes ( seriously on -purpose ) - would not remove any late fees - said it was in terms and conditions and could n't help now that account is closed. So now the last 2 bills are just late fees on late fees! I was a XXXX member of XXXX XXXX. The lack of customer service from XXXX and it 's employees to help me has been ridiculous. I took care of the payment that was due - spoke to a XXXX customer service person on that day in front of the store manager. Could not believe I received a bill for a LATE FEE on a closed account that I had settled two days late. Now another bill with another late fee - no product - just late fee on late fee. Unbelievable that a bank can do this and not even try to waive/correct the situation.
06/06/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
FL
32940
Web
COMENITYCB/XXXX '' appears on my credit reports still with a balance of : {$1900.00} and needs removed. I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and bbb complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " XXXX XXXX XXXX '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX, XXXX and XXXX should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied.
01/07/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
DE
19720
Web
I have a store card with XXXX thru XXXX XXXX. I am set up for automatic payments. I received a phone call from XXXX saying I haven't paid in 2 months. This is the second time this has happened with XXXX ( I do have other accounts with XXXX ). Because of the first time my credit limit was lowered. I thought I would use it again and try to rebuild my line of credit with them. Whan I talked to the representative, she was being evasive when I asked if this was going to be corrected on my CBR. She would say it would show me as current. I had to get specific, even though she knew what I was asking, and see if the late payment would be removed from the CBR since there was a reasonable expectation for the payment to be made per the arrangement on the website. The rep stated that it did come out for the one month but it stops after 6 months. I never say this on their website, nor was I given an alert letting me know my auto payments were about to expire and would need action on my part. She even asked if I wanted to make my past due payments with the checking account on file!!! It is the same checking account I have had for 20 yrs and the money was always there so I agreed to the payment t be taken immediately. When I asked to speak to a supervisor about this situation I was put on hold and then the call disconnected.
01/03/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
NC
28104
Web
My promotional purchase expired on XX/XX/18 after two years of purchase and my balance went more than double in just one billing cycle ( from XXXX to XXXX ). When I realised the promotional purchase expired I offered to pay off the ballance and remove the charge, but I was told that is not an option. The reason I was tols is that interest calculated back to the purchase date and can not be removed. Then I offered to pay only the remaining balance with interest, but that was also turned down. When I was trying to communicate this via email, my next billing came and I made my next payment on the due date after I received the last correspondence email. But, again I charged late fee and the reason was I did not pay by XXXX XXXX on the due date. I called customer service and tried to explain the situation and I could only get back half of the charge. I got upset on this and tried to write review on the internet and saw a lot of complain on XXXX XXXX and that is when I decided to submit this complaint. I have dealt with several credit card companies and they were somehow willing to help or make some deals, but none of that happen in XXXX XXXX. Their fees are so high and not willing to help their customers. With these much complaints from their customers I believe something has to be done to address their practices.
10/29/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IN
46835
Web
Big issues with Comenity Bank.
I recently Received a hard credit pull to purchase a home and was informed that my Excellent credit has been dropping because of Several unpaid payments to an old Credit card I have not used in almost 5 months. When Looking into the XXXX XXXX Credit card issue I discovered that After I had paid off the card in full on XX/XX/21 for the full amount of {$220.00} XXXX placed the card away in my safe hand have not used it. After paying off the card in full, Comenity Bank then added on an unknown Financial charge fee of {$4.00} a week later, because they added on a balance they then proceeded to add on Late fees and minimum interest charges without contacting me directly for the next several months. Months later on XX/XX/21 I finally received an email showing a new balance of {$22.00} on my card and my credit score had dropped due to the companies sketchy business practices. I have Statements showing the card was paid in full and And after contacting the number on the card [ XXXX ] and asking for the card to be closed I had to call XXXX times before a woman by the name of XXXX, badge XXXX finally was able to actualy close my card. Now my near-perfect credit score is damaged by this company, and I was charged a fee of {$4.00} just to close the card The bank website of : https : /XXXX
09/23/2019
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
TX
77053
Web
Servicemember
On XXXX XXXX I called the Creditor which is Victoria Secret also listed as Commenity Bank in regards to the account that was closed last year but was still being reported as opened and late on my credit report XXXX under XXXX different amounts one for XXXX dollars and the other for XXXX dollars. Victoria secret agent informed me that even though the account had been closed by me do to fraud that it was still being charged because of the insurance that was on the account when it was first opened. I told her I dont have insurance on my card and never needed it since it was a small limit. She told me to call Account XXXX who does the insurance for all XXXX XXXX Bank accounts. I called and spoke with a supervisor after waiting over XXXX minutes to be transferred. The supervisor got on the phone and told me to contact the Credit Bureaus directly. I contacted the XXXX Credit Bureaus and was told that they only report what is reported to them by the Creditor. So I called back Victoria Secret and told them what the Credit Bureau said and they told me to dispute it with Credit Bureaus and the Credit Bureau would reach out to them and they would respond. So I tell her why do I need to do all of that for something that was reported by them that I was not aware of nor did I authorize it. She said that is how we do it.
07/10/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
IL
60070
Web
Account # XXXX - ComentityCapital/XXXX On XX/XX/XXXX, I paid XXXX to settle the account. The account is paid in full and is closed. The charge off for ComentityCapital/XXXX has not been updated. I contacted XXXX & XXXX on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX by mail on XX/XX/XXXX. I looked at my credit report through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX & XXXX and was told that ComentityCapital/XXXX has informed XXXX & XXXX that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX on XXXX and will file with XXXX today. I would like for Comentity Bank/XXXX to request removal of the tradeline from all three credit bureaus. If they are unable to, I would like for them to inform XXXX and XXXX that this account has been settled and paid. XXXX has this account listed as Paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.
03/05/2019
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
MS
39705
Web
On XX/XX/XXXX, I made a purchase of over {$500.00} on my XXXX charge card ( issued through XXXX XXXX ). On XX/XX/XXXX, I paid the balance, in full. I tried to use my charge card on XX/XX/XXXX and was unsuccessful. I was unaware that my account had been closed without my permission or any type of notice. This caused a decrease in my credit score by over 25 points. I do not carry a large outstanding balance on any of my cards, and I try to use all of them at lease once every 6 months to keep them open and active. I am trying to maintain a high credit score and low utilization rate so that I can purchase a home in the near future. This is not the first time Comenity Bank has done this to me - closing accounts with no notice. I have lost at least three accounts in this manner, thus causing credit score fluctuations and concerns.
Through my account, online, on XX/XX/XXXX I received a notice regarding changes in the way they calculate the minimum payment due, as well as changes to their arbitration process. NO WHERE did I read that they were closing my account.
My personal assumption is that they close these cards regularly so that it incentives customers to continuously open new accounts ( new account = discount on purchase & employee commissions ) ; this behavior can have a negative impact on one 's credit.
01/21/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
CA
92037
Web
I have a XXXX XXXX credit card with XXXX XXXX. I have had the account for over 12 years. I have never ever paid a bill late. My daughter unknown to me, bought slippers in XXXX with my card. I received a call in XX/XX/2018 on my phone saying I had a over a hundred dollar balance since XXXX. They asked if I would like to make my account current, I apologized, said absolutely and paid them via my bank account right over the phone. I received ZERO bills in the mail, I received ZERO bills in my email. I am registered to receive bills with them via email. I checked my spam, I checked my inbox, I checked All Mail. I confirmed all my XXXX XXXX emails we in fact going to my inbox successfully. I had NO idea I owed anything. They never gave me a chance to pay on time, or to tell me to pay before it hit my credit report. I have perfect credit. It is now RUINED. I went from a XXXX score to under 700 in one missed payment from them. I have called multiple times, emailed, and wrote letters saying this was not my fault. I want the late payment removed from my credit report. as it was NOT late per when I was notified I had a balance.
The fact that they have NO - Auto pay like every other credit card company has, tells me that this is a huge way they make money, late fees and not alerting the client they have a balance.
04/08/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
MA
01902
Web
Over the course of the last 3 days XXXX XXXX XXXX contacted me regarding my Sisters debt. They have called me on 4 different occasions. The first time they called I asked if they had my sister 's telephone number and address, they confirmed that they did. I confirm the address and telephone number with the debt collector at that time. The second time they called they told me that they were unable to reach my sister and asked me if I could contact her and tell her to pay the bill. I told them I will relay a message to my sister, which I did. The third time they called, I picked up the call and ask them to stop harassing me and hung up. The 4th time they called I let it go to voicemail. They left a detailed message regarding information about my sister 's debt. The person that called the fourth time identified herself as XXXX XXXX at XXXX Ext. XXXX. I immediately called back after listening to the message and told them to remove my telephone number from their records and also told them about XXXX XXXX 's elaboration of my sister 's debt on my voicemail. My personal name and number is clearly stated within the voicemail greeting. My sister 's name is XXXX XXXX. My name is XXXX XXXX. My sister lives in XXXX, California and I live in the XXXX Massachusetts area.
Thank you, XXXX XXXX XXXX, XXXX.
( XXXX ) XXXX
10/23/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Credit monitoring or identity theft protection services
Billing dispute for services
VA
22406
Web
Servicemember
I called XXXX XXXX in XXXX XXXX, XXXX and spoke with a representative about my payment not being made due to someone making authorized transactions with my bank account. The representative informed me, that he would keep a close eye on my account and refund all late charges if I made a payment on XXXX XXXX, XXXX. I agreed, however, on XXXX XXXX, XXXX, as I started to make the payment, I was informed my account had several late charges to it. Every time I mentioned the representative I conversed with on XXXX XXXX, XXXX, I was placed on hold, transferred, and the call disconnected. I finally spoke to XXXX, on XXXX XXXX, XXXX who was very rude from the beginning. I mentioned the representative I conversed with on XXXX XXXX, XXXX to XXXX, and she told she has not record of this conversation. I inquired if she could give me the information of the last representative and to speak with her supervisor. XXXX informed me at first she does n't show that information, until I questioned it for her to change her story to they are not allowed to give out that information and it will be hold time to speak with a supervisor. I tried to explain that I being charged late fees and having monthly interest that seem to be unfair to the customer however, it seems I could not get any type of assistance from XXXX or Comenity Bank.
08/03/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
KY
40701
Web
Early XXXX I purchased several items from XXXX XXXX using my credit card from their company. One item was sent that was completely wrong from what I ordered. I called to let them know and they said they would ship out the proper item and that I needed to return the other item. I informed them that I could not make it to the post office seeing how it was 30 minutes each way. Having to take off for their mistake was out of the question. They informed that was fine. I never received the item that I was being charged for. I called again probably a month later when my bill was due and was sent to 5 or so different people trying to get the right person. I was on the phone for a couple of hours trying to get resolved. I would be put on hold then the phone would get hung up on. After all this I would start to get very frustrated and customer service agent would cut you off or not let you explain anything. I was told finally that I would get my refund and I told them I wanted to cancel the card. So now we are a month later and i was charged interest and still being charged for item and bill is coming up again that im suppose to pay for something I never received. I call again and me and the customer service agent get into it because he refuses to let me finish a sentence. I ask for a manager and he hangs up on me.
06/25/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CO
80918
Web
On XX/XX/XXXX of 2019 about XXXX XXXX I got home from work and I knew my XXXX XXXX bill was due and could not find the bill. So I used the previous months bill to call in a payment. The recording told me that my balance was {$56.00}. I used my debit card to pay the total balance that I owed. I did not think to look at the mail in XXXX because I made no purchases and knew I paid the bill on the date it was due in XXXX. I did look at the mail from XXXX XXXX in XXXX which showed two late fees when I paid the total balance due on the date it was due in XXXX. I called the phone number on the bills and finally got a hold of a customer service rep. The rep said I paid the bill too late in the day on the XXXX of XXXX and because of this when they finally took payment from my bank on the XXXX of XXXX they charged me the {$25.00} late fee in XXXX and another because I did not pay that XXXX late fee. I was furious, and instead of using profanity I told the rep to close my account and hung up. I got a bill today where another late fee was added and am very mad. It would be one thing if I paid the bill after midnight and I knew I was late, but I paid the bill on the XXXX of XXXX, I called them and the automated system did not tell me I was late. So paying the total balance I owed there should be no late fees applied.
10/12/2021
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
IN
46307
Web
There are 8 commenity bank store accounts on my credit report. None of them are mine. I found out about this after a summons was sent to my house for two of the accounts that were purchases by XXXX XXXX. I responded to the summons saying these aren't mine and I've never been in a XXXX or Victorias Secret in my life which to this day is true. At the time a lien/judgement would have been devastating to the prospects of buying my first home but i didnt have the money to settle until a year later. The damage has been done and now I'm paying for it still. Despite these not being my accounts.
I'm here asking the CFPB to help with this matter.
Commenity is reporting 8 accounts on my credit reports. 2 were used by someone and the other 8 were never used but still remain on the report. I did not open, sign up for or use these accounts.
XXXX Victorias Secret XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the lawsuit in 2018 I provided a response saying exactly this and what happened is they provided me with statements. But statements do not prove I didnt sign up for these accounts. I was told the burden of proof is on me. I was only made aware of these in 2018 when I was sued. The 6 other accounts show a perfect standing on my report but i want my report to be accurate. These are not my accounts.
04/24/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
LA
70808
Web
Older American
This complaint deals with my Ann Taylor credit card at Comenity Bank. I paid the card balance of about {$300.00} on XX/XX/2019 -- one day late. I was assessed a late charge and a minimum interest charge of {$1.00}. I paid another {$27.00} in late XXXX, the late charge? I was traveling and didn't have the statement in front of me.
Since that time, Comenity has been assessing a minimum interest fee of {$1.00} on what, I'm not sure and charging a {$27.00} late fee on a minimum interest charge, that is generated every single month on the previous month 's late fee!! This is absolutely outrageous!! I have not made any Ann Taylor purchases since XXXX.
I called last month and the customer service rep reversed the fees, apologizing. I left the card open. Today, I got another bill for {$29.00} consisting of minimum interest charges and late fees. I called again, the customer service rep refused to reverse the late fee and the interest, so I cancelled the card.
This practice is unfair, deceptive and abusive. I would like for Comenity to reverse any and all fees and interest charged to me since XX/XX/2019. I would also like for the CFPB to inquire into this practice by Comenity Bank, order restitution to all similarly situated consumers and assess civil money penalties against Comenity for a UDAAP violation.
05/13/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
OH
44092
Web
I purchased merchandise from XXXX XXXX on their credit card, I thought. This was in XX/XX/XXXX. On XX/XX/XXXX I came down with very bad case of the XXXX. Missed time from work. My merchandise was no more than eighty dollars. However, the XXXX stayed with me with severe pain which I am still having even after 5 months. At this time I did not make a payment which I agree was wrong. However I started getting calls from a XXXX XXXX. They would call XXXX XXXX. until XXXX XXXX every hour, 7 days a week. This has been going on for months. I was going through bills which I had not paid. I found XXXX XXXX bill and made the check out for {$32.00} payable to XXXX XXXX which I mailed on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX and they connected me to XXXX XXXX, because it was their card. I was not aware of this. So to this day XXXX XXXX said the check was not made out right. Should read XXXX XXXX XXXX XXXX they have not cashed it. I did send another payment of {$37.00} dollars. They say I owe {$220.00} dollars. I feel XXXX XXXX deceived me not telling me that the card was through XXXX XXXX. I offered to settle for {$120.00}. No response from either XXXX or XXXX XXXX. No checks were cashed and are sending negative reports to the Credit Bureau, saying no response.
Thank you for any help.
Sincerely, XXXX XXXX
05/13/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
VA
23669
Web
Servicemember
On XXXX XXXX XXXX I received a call from a number that my wireless company had flagged as a likely scam which concerned me. I answered the call anyway and the representative told me they were from Comenity LLC bank and w as financier of my XXXX credit card. She told me my account was 2 months past due even though I remember signing up for automatic minimum payments from their website. I made a minimum payment and wanted again attempt to sign up for auto magic payments. Another representative instructed me it can take several days before I am allowed to set up automatic payments. It is my feeling that this company puts this process in to place in an attempt to not allow customers to register for automatic payments. Every account I have with other banks is set up this way and I have always been able to do this either over the phone or most often online with no issue. As a result of this companies processes or limited abilities they have left a negative mark on my credit score an d have charged me late fees that I would have otherwise not been charged. They lure people to apply by offering rebates and discounts, but slcharge an enormous interest rate. This along with the previously mentioned concern is unfair and creates a cost to consumers that expands beyond the services they provide.
02/25/2017
Yes
Bank account or service
Other bank product/service
Account opening, closing, or management
IN
47725
Web
Back in XX/XX/XXXX, I received a statement saying that Comenity Bank/Full Beauty charged me an annual subscription fee for an account I had not used in several months. I paid that charge because it was my fault for not ensuring the account was closed, and then called Comenity Bank/Full Beauty to officially close the account. However, in XX/XX/XXXX, I received a statement charging me a late fee, two days AFTER the payment due date. I called Comenity/Full Beauty to complain and was told that the fee would be taken off my account, and my account would be closed. I was told during that conversation that my account balance was zero and no payment was due. In XX/XX/XXXX, the same thing happened. I called again, and again received assurances that the erroneous fee would be removed, no payment was required and that my account would be closed. In XX/XX/XXXX, it happened again, and for the fourth time I called to have my account closed and the erroneous fee removed. THEN, I received notice from my credit monitoring service and Comenity/Full Beauty reported my account two months past due to the credit bureaus. This experience has not only made me highly critical of Comenity Bank, but of ANY business that chooses to use a bank with such poor follow-thru and attention to detail. I would not recommend them to ANYONE.
03/18/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
AL
36560
Web
XXXX XXXX/XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX - I called into file a complaint about them lowering my credit limit on account for marathon and representative who was on the phone with me was very rude and decided that he would be funny and started to close all of my accounts up and totally hurt my credit. I kept having to call back in to get my accounts opened back up. They would be open maybe a week or so and this man would close all of them back up again. I kept going back and forth with Comenity Bank for over a month or 2 and after that I just gave up. This destroyed my credit and took my score down tremendously. I have never missed a payment on these cards and never been late. Just recently they gave me the XXXX card back after applying forever for it and having to put all these hard hits on my credit. The XXXX card has such a low balance and by all those credit cards being closed other banks cards gave me a very low balance. I want all my cards reinstated and the balances on them increased. I am so glad I found out about this place ( CFPB ). As a consumer I should not have to deal with this ordeal and no one else should either. That man talked to me so rude and if I was beneath him. I have never been treated in such a manner The proof of what they did on my accounts is on my credit report.
01/07/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
CA
94503
Web
Servicemember
I applied for a credit card from comenity bank and they checked my credit numerous times I was on hold a few hours with Comenity Victorias Secret I was not resent my approval also they mailed me over several credit decisions and comenity bank ran my credit while I was on the phone telling them to absolutely not run my credit because my credit was good now its the lowest its ever been they have sent over ten messages, text messages, and mail to me please have them remove all the credit inquiries that were unauthorized and put me on the do not call/ email/ mail any harassment also why was I on hold so long without it ever being answered I no longer want a credit card with comenity please keep this private.
Also I submitted a complaint with the XXXX against XXXX XXXX XXXX XXXX for having been on hold for four hours and after the completion of the call the card was sent to the wrong address they are sending me harassing voicemails, postcards, and rude when I did call for my replacement card. Isnt it protocol for a business to only respond through the XXXX to contact me? I am disputing a flight that was canceled, unauthorized use of my card ( I did include the police report ) and a debit adjustment. I mainly want to know why my dispute was denied before the statue of limitations run out, thank you! XXXX
06/14/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
CA
92078
Web
I paid off in FULL a Victoria secret XXXX XXXX credit card on XX/XX/XXXX and they willingly chose to send misleading and false information to XXXX credit bureau stating that I owed more money and due to that my credit score went down -145 on XX/XX/XXXX. I called XXXX credit bureau because that is what comenity bank told me to due and trans told me that they cant due anything about it and dont have the information that community told me they would have. Comenity didnt send paper statements when I asked them to and also didnt send my credit card when opened. They violated me. When I call Comenity bank every person that answers give me different information and tampers with my information. Although I placed my correct information in store. XXXX told me on XX/XX/XXXX that the information on my file was wrong. After I created an account with the bank they my phone. After all the calls I have made. Under the Fair Credit Reporting Act XXXX FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. I called today XX/XX/XXXX and they updated my address and email again. Every time I call its the same thing.
12/21/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NJ
07017
Web
Hello. I had booked a flight in XX/XX/2020 for a trip in XX/XX/2020. Of course due to the very beginning of the pamdemic, I was not able to fly. XXXX airline refused to give a refund. I took a credit hoping things would improve in a few months. Things got worse. I had to go back and forth with XXXX to extend the credit several times hoping I could use it to avoid losing my {$200.00}. Over a year and half later, we are still in a crisis. It is not safe to fly esp with the new variants and numbers rising with people getting sick. I reached out to XXXX numerous times. I reached out to XXXX XXXX XXXX and they too refuse to help. Not fair to pay for a flight that I did not and CAN NOT take. I made dispute claims with credit card company. Sent letters. Submitted documents. And no response. Finally on XX/XX/XXXX I received an email from XXXX stating the previous representative you spoke with has already submitted a request for a refund, and the case is now being reviewed. Refunds may take up to 7 business days to reflect back on your account. Please follow up with your bank or credit card company in about a week for the status of these funds.
No refund has been given to me account. I followed up with XXXX XXXX aka XXXX XXXX. It's been 3 weeks and no answer.
Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX
02/20/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
GA
30605
Web
I used the card on Friday, XX/XX/XXXX to purchase hotel reservations online. It asked me to upgrade so I did, but then the window of time to cancel was shortened so I canceled the reservation altogether. The card had to have been open when I initially purchased the reservation because it let me book it ( it wasn't a pay later reservation ).
After canceling the reservation, I logged in to my account to make sure that the transaction didn't go through and that's when I discovered my available balance was {$0.00} when it should have been around $ XXXX. I tried calling the company ( Comenity Bank ) 3 times to try to find out what happened and also sent and email. When I call I get an automated service that tells me my card has been closed by the bank and can not be reopened.
I've never been late and if this was a suspected fraud they usually transfer you to the fraud dept and once they determine the charge legitimate, remove the hold. In this instance the account was just closed with no notification or explanation.
This situation will impact my credit score since $ XXXX of available credit has been eliminated. I know that there are notification requirements and like I said even in a suspected fraud situation you have an opportunity to talk to someone to get your card reopened or a new card issued.
03/11/2020
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
GA
30305
Web
Date of Fraudulent Activity : XX/XX/2019 Amount : {$6600.00} Locations : 1 - XXXX XXXX XXXX XXXX XXXX Promo Purchase - XXXX, GA 2 - XXXX XXXX XXXX XXXX XXXX Promo Purchase - XXXX, GA Actions Taken : 1. Called the company informed them of the fraud.
2. Created a report to FTC for Identity Theft 3. Submitted a request to the 3 Credit Bureaus alerting them of the fraudulent activity 4. Filed a police report 5. Reached out to a Lawyer for legal council 6. Sent XXXX a Notice for Furnishings ( no response ) - XX/XX/2019 6. Called XXXX to request the account number for the fraudulent account because the police say it's required to submit a subpoena for information used to create the account.
However, XXXX would not provide me with this information so they can not subpoena for the information and I can not file lawsuit against the person that is using my identity to open fraudulent accounts.
I'm stuck in a catch 22. XXXX will not give me the account number. The police can not subpoena information without it ( they have tried and it gets sent back stating the account number is needed ).
-- -Special Note : XXXX did close the fraudulent account and reach out to the credit bureaus to have it removed from my report. However, I still have the inquiries on my credit. They stated it may take some time. -- -
07/07/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
GA
30141
Web
This company is stating that I owe them a debt which I don't and reporting my personal information to the consumer reporting agencies without my consent. They are violating my consumer protection laws and I am very upset. Pursuant to 18 USC 8 after 1933, the government agreed to assume ALL liabilities that arise under transactions using the credit card which is my social security card. Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation.
( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.
I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
05/21/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
NY
10956
Web
Due to the unforeseen financial hardships and personal hardships I have faced due to the global pandemic, I failed to make my payment on my Ann Taylor store card issued by Comenity Bank. I would like to add that on multiple occasions I have asked Comenity Bank about auto pay options which they do not offer. When I realized the payment was missed I immediately paid my balance in full of about {$180.00}. On XX/XX/XXXX, I contacted customer care for Comenity Bank to ask if they would remove the negative reporting form my credit report in good faith as I have been a long time customer and only missed the payment because of the extenuating circumstances. The phone representative advised I should write a message online and that would be taken care of. I sent the message and got a response on XX/XX/XXXX stating I need to write a letter of dispute. I responded and said this seemed like a bit of an extreme to make a customer go through. I have been in contact with all my creditors recently and all have offered assistance immediately. Why Comenity feels the need to make a customer go through such a process for a simple {$180.00} store card bill seems very ridiculous in this mass hysteria the country is in. I ask that the negative reporting be removed from my credit report as I have paid off my full balance.
03/19/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
IL
60487
Web
Opened a credit card with XXXX XXXX XXXXXXXX XXXX XXXX with a 0 % interest fee until XXXX of 2018. The account was sold to XXXX Bank and I completely paid it off in XXXX of 2018, months prior to the end of the promotional period. Somehow XXXX Bank managed to add fraud small fees each month following XXXX and continuously add late payments and falsely report negatively to the Credit Buruea.
I called and spoke to a representative and asked to pay the amount in full including any accumulated interest until the end of the billing cycle. I was told in XXXX and XXXX by a XXXX customer representative that the individual who processed my payment in XXXX failed to add the interest for the remaining 6 billing days of the cycle.
An amount of {$3.00} resulted in falsely placing me outside of the promotional period and the addition of late fees and false negative reportings to credit agencies.
I spoke to multiple supervisors from XXXX bank each month and they apologize and waive all previous fees. The fact that they continuously waive fees supports my argument that my account was requested to be paid in full in XXXX. However, I suffer from the negative reportings and I want those unfair reportings off.
This rated F XXXX bank is ruining consumers reports with fully paid off accounts and violating the FCRA.
09/22/2021
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
TX
77477
Web
I received an email from XXXX stating that there were changes to my credit and it showed that my account with Comenity Bank/Express had changed. I logged on to Express.com and it showed that I had a 0 credit limit and my account was closed. I was instructed to call ( XXXX ) XXXX. When I called and entered the last 4 digits of my SS #, it informed me that my account was closed and no further questions could be answered. I then went online to Comenity Bank.com and called ( XXXX ) XXXX and spoke with a representative of Comenity, who told me that a letter was sent to my currently address on XX/XX/2021 regarding the close of my account and that there was nothing she could tell me further regarding the close of the account. I informed her that I haven't even received a letter from Express before the account was closed and that today 's date was XX/XX/2021, so how could they close my account without even giving me proper notice. She told me she could not speak on that and I would need to wait for receipt of the letter. My Experian FICO Score is XXXX, and both XXXX and XXXX reflect XXXX. I have had the account with Express for almost 2 years and have paid the account in full. Why would they just close my account without notifying me first, at least via email, which they didn't and not explain to me why?
09/26/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
GA
30022
Web
Servicemember
I previously reported XXXX Commenity Bank to CFPB in XXXX regarding their Unfair Business Practices and am now being retaliated against as a XXXX XXXX American Female, as a prior debt owed to XXXX Comenity Bank was Settled in XXXX and have since made a payment to Settle the debt as was so stated by their Collection Agency XXXX XXXX via XXXX XXXX XXXX which was Paid and Settled on XX/XX/XXXX and was informed that our Credit Report would be Updated to reflect the account has been Settled and has still been illegally reported on all 3 of my Credit Reports in an effort to retaliate against XXXX XXXX-Americans and these inaccuracies should be removed from my 3 Credit Reports immediately, as it negatively impacting our family with obtaining credit and resources to help us navigate during this Global Economic Crisis with COVID-19. This is also another form of systemic racism and oppression towards XXXX XXXX-Americans in the United States and should not be tolerated by an Corporate Entity. It is against the law to oppress U.S. Citizens and further treat XXXX XXXX-Americans as if we are in Slavery with the Oppressing Economic tactics exuded by various Credit Entities and Corporations in the U.S. in a sole effort to restrict Access to Capital because of the blatant, discriminatory, and retaliatory tactics.
05/17/2019
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
TX
77469
Web
XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX D.O.B : XX/XX/XXXX I have been a victim of Identity Theft. To protect myself from further harm, I have filed a police Identity Theft report. These fraudulent accounts were not authorized by me.
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : Please update, modify or remove any account that is not reporting with 100 % accuracy. I have been a victim of Identity Theft. To protect myself from further harm, I have filed a police Identity Theft report. These fraudulent accounts were not authorized by me. I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account. I pulled a copy of my credit report and noticed a fraudulent account.
I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX/XXXX Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX XXXX/XXXX Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX/XXXX Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX/XXXX Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX
11/25/2017
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
MD
20774
Web
I opened an account under the name of XXXX and billed to XXXX XXXX. After calling for 3 months and being told the account was not open I said I had already received the chairs I ordered. Two months later I receive I bill and tried to make a payment online. Unable to do so I called and was told no account was opened. After speaking with a supervisor I tried to make payment and was told to wait. I received a second bill for over {$800.00} dollars with late fees, and interest added. I called and was told I can close the account now since the account shows processed and account was closed after paying {$750.00} dollars. I am now once again receiving bills stating " close accounts still earn interest '' and I now owe late fees and interest. I have had this problem with this bank before same problem and believe this bank should now be declare a class action law suite because of their continued billing the consumer with late fees and charges on closed accounts. Because of the continued abuse of power from this bank I would like to see my credit status corrected and all fees and interest charged off. This bank is blatantly refusing to be handle accountable to anyone and look forward to working with your office to see what can be done to help the consumer not be taken advantage of by banks such as XXXX.
02/05/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
34108
Web
I have an account at Zales. I made a promotional purchase on XX/XX/XXXX for {$4000.00}. This promotional purchase was to include no interest if paid off by a certain time frame. I utilize paperless billing and I strictly only use the website to pay my bill each month. At the bottom of the Home page of the site, there is a section that shows promotional purchases and their date of expiration. On XX/XX/XXXX, I made a payment and I made sure to check the promotional purchase section to make sure that I did not have any promotional purchases expiring. It only showed 1 promotional purchase due to expire in XXXX of XXXX which was for a {$570.00} purchase on XX/XX/XXXX. I logged in yesterday, and to my surprise, they hit me with {$1700.00} fee for the promotional purchase back in XXXX of XXXX. I believe that Zales/Comenity PURPOSLEY removes promotional purchase expiration information the month prior to expiration so that the consumer misses the date. This is NOT something that I would miss, as I know to check it every time. I had thought that I had one coming due, but I figured it was paid off since it did not show. I wonder how many other consumers this happens to with them?! I contacted them immediately, and was treated with condescension. So now, I am requesting your assistance please!
Thank You,
03/16/2020
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
AZ
85282
Web
Comenity Bank has been making harassing/repetitive calls to collect a debt. Just within the last 7 business days they have called a total of 38 times using a variety of different numbers as well as blocking their number.
XX/XX/XXXX XXXX XXXX Blocked XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Blocked XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Blocked XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Blocked XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Blocked XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Blocked XX/XX/XXXX XXXX XXXX Blocked XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Blocked XX/XX/XXXX XXXX XXXX Blocked XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blocked These types of calls go on beyond those dates but that is all I currently have logged on my phone.
07/19/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
60515
Web
Older American, Servicemember
There have been 3 occasions in the last 18 months where I was charged with a late fee, one of which was dismissed, the other two were not. There is a pattern here that I find disturbing. Every month I mail my XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, CA ) and Comenity ( XXXX XXXX XXXX, XXXX XXXX, TX ) at the same time as they are both due on the XXXX of the month. The receipt of payment for the two companies is interesting : XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$25.00}, dismissed upon contacting Comenity ) XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$25.00}, not dismissed upon contacting Comenity ) XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$34.00}, not dismissed upon contacting Comenity ) The post office tells me that the delivery to XXXX XXXX should be 3-5 days. My online research has indicated that Comenity is highly reported to charge late fees inappropriately. I find it very concerning that no matter when I send payment, it posts a shortly ( 2 times, 1 day ) after the due date.
Since I am a semi-retired senior who is on a limited income and who values my credit rating, I will not be doing business with Comenity again.
04/30/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CA
92883
Web
We used the XXXX card to pay for 3 different dental procedures over the span of 2 years and we were given 18 mo. to pay off each procedure without incurring interest.
After we used the card for the first procedure, we set up auto-pay through our bank to ensure that amount would be paid in full prior to the conclusion of the 18 mo. promotional period ; however, XXXX began applying those payments to all 3 charges which cased the first to exceed the 18 mo.
We contacted XXXX to request they waive the interest and we would pay the entire balance in full which they denied. Additionally, they were unable to assist us with questions regarding charges more than 1 year earlier, telling us we needed to write a letter to inquire about charges prior.
The rep we spoke to even mentioned this " is like a credit card '' and as such, first dollar in should be paid, as is the case with every other credit card. XXXX prays on people with busy lives who rely on clear understanding up front. XXXX argues the terms of how payments are applied are noted in the terms however I see no such information noted in the terms on the reverse of the latest statement.
BEWARE OF XXXX XXXX PREDATORY PRACTICES. IF YOU HAVE MORE THAN ONE PROCEDURE, CONTACT THEM TO ENSURE YOUR PAYMENTS ARE BEING APPLIED THE WAY YOU WANT/EXPECT.
02/28/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
OH
44121
Web
Servicemember
This is about the 10th time Ive tried to get my credit report reporting correct and nothing seems to be done. I understand the account can not be removed, although I have PAID THE COLLLECTION OFF IN FULL. however, the account status is still being reporting incorrectly, the account status with XXXX had the account as being derogatory. Let me state the correction, The current account status is not derogatory, I have paid the account in full, so it should indicate CLOSED/PAID. Secondly, the payment chart for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, shill show as " C '', for collection. This account was paid off XXXX XXXX, and became no longer in collection when I made the final payment. This holds true for XXXX. XXXX seems to be the only reporting agency that is reporting correctly. The account in question is XXXX XXXX, for my XXXX XXXX Account ending in XXXX. PEASE CORRECT MY CURRENT ACCOUNT STATUS TO PAID/CLOSE AND UPDATE MY PAYMENT HISTORY FROM XXXX TO NOW, AS CLOSED,. According to section 609 of the fair credit reporting act provided protection of consumers against false and erronous reporting. II was advised my another ageny that I can hire a legal team to get this correct. I am trying my best to get this done without a legal team, so please update my current account status and payment history
03/14/2017
Yes
Credit card
Late fee
CA
91006
Web
Upon checking my XXXX Comenity Bank account on XX/XX/XXXX, after notified by a text from XXXX on XX/XX/XXXX and XX/XX/XXXX, I saw a list of late fees and minimum charges on my bank account, totaling up to {$84.00}. This charge should not be here in the first place since I have always make my payments on time ( please check all the statements from before as well as all my credit score if you can get it ). I have scheduled my payment for statement of XX/XX/XXXX ahead of time and selected pay on the due date, which is XX/XX/XXXX. However, the system only posted the payment on XX/XX/XXXX. I would not know this payment was late and only posted in XX/XX/XXXX until Comenity Bank contacted me via text on the XX/XX/XXXX and XX/XX/XXXX. ( I do not touch this account unless I know I have made purchase with it ) I have contacted collection department of Comenity Bank and escalated the issue to upper management, spoke with XXXX and she could removed part of the fee but not all the unjustified charges off my account.
It is obvious how credit card company 's only way to make their profit is by incurring high dollar charges under various reasons. In this case, the online banking system used by Comenity Bank is at fault, in which it wrongfully posted the payments 2 DAYS later and incurred unnecessary charges.
03/08/2021
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
TX
75154
Web
XX/XX/2016 I went to XXXX XXXX for XXXX XXXX XXXX under my chin. I was told about the program at that point 1 session was done. When that session was over I inquired why I still had the grey hairs on my chin I was told XXXX or remove black hairs, and for the grey hairs I would have to purchase another plan on top of this plan I advised agent no I do not want to do that because as you can see 90 % of the hair on my chin are grey, so when I advised her she is now trying to get more money from me know it would not work I want to cancel the contract and pay for services that was just rendered. I was told I would get a call to make that payment she could not take it. About 2 weeks later I got that call to make a payment for {$130.00} and I paid it never received no more calls then about 6 months later started to reflect on my credit for 5 years I have been contacting them with no response then they sold it to XXXX XXXX. This has ruined my credit for 5 plus years, and this is very unfair that companies play these games. That is how I know they got the cancellation I was contacted that 1 time paid and never contacted again they just sold it to collection agency. Having facial issues like this is very depressing, and I thought this would be good, but they gave me fraud information to get more money.
12/29/2020
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
CA
92868
Web
Comenity bank are harassing me for a debt I do not owe : I made a {$35.00} purchase with XXXX XXXX XXXX in XX/XX/XXXX however I did not receive my order, they were returned to XXXX XXXX for " insufficient address ''.
After contacting the XXXX and requesting account closure & a full account credit & for all communications to cease, my XXXX XXXX account has been closed. However comenity have failed to credit my account for the {$35.00} and are now adding monthly late fees of approximately {$35.00} per month, and continue to call and harass me.
I have filed a complaint with the CFPB ( ID No. XXXX XXXX to try have the account credited and the communication to cease. I have waited 18 days for a response and in the meantime I am being severely harassed.
I am receiving calls from numerous phone numbers, I can not keep up with blocking each phone number, and these calls are also on Sunday mornings.
Today, XX/XX/XXXX I received the following calls : XXXX at XXXX XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX " unknown caller '' at XXXX XXXX XXXX at XXXX XXXX " unknown caller '' at XXXX XXXX XXXX at XXXX XXXX I also received a call from XXXX at XXXX XXXX on Sunday XX/XX/XXXX.
I am finding this extremely stressful, all in the name of kids clothing that I did not receive.
10/27/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
VA
23114
Web
XX/XX/XXXX, I contacted Commenity who is the service provider for the Frontgate credit card to determone how to take advantage of the 20 % birthday coupon. The associate advised it would come on my statement. I explained my balance was XXXX and therefore wouldn't get a statement. He then concluded it would come in 1-2 billing cycles. Come where? I explained that the Frontgate website says the coupon expires at the end of the birthday month which would be XX/XX/XXXX. My birthday is XX/XX/XXXX. Associate advised that was inaccurate. Then they suggested I make the purchase and it would update in 1-2 billing cycles. I asked for a manager and after awhile the associate disconnected the call. I called back and was able to get a supervisor. While speaking with them, I got an email advising that my email address had been changed. I DID NOT REQUEST ANY CHANGES TO MY ACCOUNT! The associate that disconnected my call changed the email from XXXX to XXXX. If I had not received the email I would not have received any further communication including my next billing statement. I also wouldn't receive any surveys regarding their service. I'm very upset that an associate was equipped to answer simple questions. Is the Frontgate website misleading about the Birthday coupon or is the associate help system wrong?
01/29/2020
Yes
Payday loan, title loan, or personal loan
Installment loan
Getting the loan
FL
32256
Web
I applied for an installment loan / line of credit for {$5000.00} from XXXX / Comenity Bank but was denied citing " Limited credit experience ''. However, I feel I have been discriminated against due to my age. I believe the baby boomers who are processing these applications are jealous and will not believe that a Generation X young woman is making more than any of them in their entire career. My credit score with XXXX is XXXX ; XXXX is XXXX ; and XXXX is XXXX. I have a 100 % payment history with all of my accounts. My car loan was just refinanced by XXXX XXXX and went from 11 % to 5 % because of my favorable credit history. I have a XXXX XXXX credit card in excellent standing with a {$0.00} balance of a {$1500.00} credit limit. I have an XXXX store account in positive standing. I have a XXXX credit card in positive standing. And a XXXX XXXX card with a {$0.00} balance in positive standing. My student loan balance doesn't exceed $ XXXX and they are in positive standing as well. I work as a XXXX XXXX for XXXX XXXX and my annual salary is $ XXXX. Prior to obtaining this position, I worked as an entry level XXXX XXXX for XXXX grossing $ XXXX annually. I have no issues with my credit, no issues with my payment history or my ability to repay any loan and significant income coming in monthly.
06/16/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
TX
77478
Web
Hi, I received a letter from PayPal Credit around 3 weeks ago. I opened it up and saw that I owed {$68.00} to an XXXX in XX/XX/XXXX to PayPal Credit. I thought was weird because I do n't have a PayPal Credit account. I called PayPal and told them it must have been fraudulent activity ( because I know I NEVER would have opened a PayPal Credit account ). They said they will look it up and investigate. A week later I get another letter and it tells me it was according to my normal spending. After carefully looking as to where I would have charged {$68.00} to PayPal Credit I realized that I did charge that amount but it was SUPPOSE to be charged to my normal PayPal account that has enough money to pay for the {$68.00} transaction.
So I called them again but this time asking them why it was charged to the PayPal Credit when I do n't even have a PayPal Credit account. They said that I had one since XX/XX/XXXX. I was shocked because I I know I NEVER would have opened a PayPal Credit account. Now I am upset because 1. They said I gave them my information to open the account when I did n't 2. They opened a new line of credit without my consent and now it will affect my credit score.
3. And IF I did give them my so called " consent '' it was probably due to the fact that it was misleading advertiment
02/22/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
NY
10977
Web
Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were XXXX XXXX XXXX XXXX| Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX ADS / Community / XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX XXXX and XXXX They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX Account Number XXXX over my school loans, I attended XXXX XXXX from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.
03/04/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
VA
20190
Web
In all started when I went to XXXX 's to get groceries. While I was at the customer service desk, the clerk approach me to open a MasterCard account via XXXX 's. She said because I am already a member, they will not run a credit report. I believed her and 10 minutes later, it showed on my credit report as a Hard Inquiry.
The credit card company name is XXXX. I started using the card to make purchases. I used it to make a large purchase and won't go through. After many attempts they locked my account. After talking to the fraud department and try to explain to then that it way me, they requested to get a copy of my social security number, driver 's license and a copy of a utility bill with my addressed. After faxing all the information and have not heard from them in weeks, I decided to call then. They still did not unlock my account because I did not provide enough evidence that it was me. Despite the fact that I sent everything they asked for, they still reject it my request.
What is really upsetting is that I really did not want the card. But after having a hard inquiry in the credit report, I want them to give me my card back, I am willing to give them what they asked for to proof to them that the person the are speaking to on the other side is the same person who applied for the card.
03/28/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
CT
06516
Web
XXXX refuses to remove an inquiry dated XX/XX/XXXX on my credit report on behalf of XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX who apologized for the hard inquiry ( I didn't give them permission to pull my credit ) and promptly submitted an electronic request to the three credit bureaus to remove the inquiry from my credit file on XX/XX/XXXX. XXXX and XXXX removed the inquiry within 30 days, and XXXX did not. I contacted XXXX SIX times between XX/XX/XXXX, and XX/XX/XXXX, asking for an update and trying to understand why they hadn't removed the inquiry. They replied they didn't receive the information from XXXX XXXX XXXX. I promptly uploaded a copy of the letter sent to me by XXXX explaining that they would send a request to the credit bureaus to update my credit file, and have had them resubmit the request over SIX times ( every time I spoke with XXXX and they denied seeing the information ). XXXX keeps saying they don't see the information from XXXX, every time I call XXXX they pull up the dates that they've sent the request. I'm at a complete and utter loss as these two companies keep having me call each other and they keep blaming each other for as the source of the problem. This is a complete violation of my rights, and XXXX did not have the right to access my report. Please help me.
11/19/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
CO
80516
Web
I signed up for a 12 mo no interest promotion at XXXX furniture. The purchase was made XXXX. The First payment was made in XXXX of XXXX. On the last statment they changed the due date from XXXX to XXXX and stated that that was the end of the XXXX mo period. I had set up payment to be on the XXXX of each month for the previouos XXXX. When i got the last statment I noticed a red box stating the last payment was due on XXXX/XXXX/XXXX. I decided to cancel my recurring monthly payment from my online bill pay at my bank and tried to set up a one time last payment and something went wrong. They never recieved my last payment and ended up charging me full interest. I should have just left it alone. However, I tried to do the right thing, made the change and it back fired on me. I do not think it is fair for the company to change the due date of the last payment. Regardless of when my purchase was made. I belive they new this would happen and they have measures in place to force people to still pay interest. Feels like very unfair business practice. They do not have this language in place anywhere in their statements or contracts. IF it is there it is confusing. If they want payment in exactly 12 mo they should set the due date same as the purchase date. I feel the interest charge should be removed.
03/10/2017
Yes
Credit card
Billing disputes
UT
84129
Web
I purchased a ring from XXXX in XXXX, UT, in XX/XX/XXXX, under the 60 month no interest plan through credit from XXXX Credit Card, which I was approved for. And was told that it would be about {$65.00} a month. My wife did not like it, so she found one that she liked that was cheaper. And we were told that even though it was cheaper, the price per month would be similar, or a little less on the 60 month plan. And that I would be notified by the credit card company in a few weeks. So, I get the bill from XXXX and it is for {$140.00} a month! So, I spoke with XXXX on or around XX/XX/XXXX from their customer service and he told me it was a mistake and they would see about getting it fixed, and to go ahead and pay the $ XXXX for the first month and they would work things out. So I had not heard back so I contacted them again today, XX/XX/XXXX about the issue today and they told me that since my ring purchase was less than {$3000.00}, that it could not fall under the plan. And that it fell under the 18 month plan. That is not what I was told by the store and that is not what XXXX from customer service told me. I spoke with XXXX from XXXX, and she said the only way to fix it through their legal dept. And they doubt that could happen. Basically, from my point of view I was sold something on a lie.
02/18/2020
Yes
Debt collection
Medical debt
Communication tactics
Frequent or repeated calls
FL
32736
Web
Older American
I signed for my daughter to have XXXX work. Comenity Capital Bank provided a credit card with the amount owed. My daughter defaulted after accumulating {$450.00} in late fees and {$670.00} in " promo charges '' and {$1400.00} in finance charges in XXXX years.
When I contacted Comenity Capital Bank by phone on XX/XX/2020 an employee named XXXX ( employee id # XXXX ) agreed to accept {$3400.00} to close the account ; however, the company will not give me any proof of acceptance before I pay that amount.
I have been advised that I shouldn't pay anything until I get some sort of documentation that it will be accepted as final payment, but Comenity refuses and continues to add additional charges. I sent them letters in XXXX and XXXX outlining what is stated above, but to no avail. They say its " Not company policy '' to give me any proof before I pay the agreed amount.
I'm XXXX years old and did not know until XXXX XXXX months ago that Comenity was charging my daughter 28 % interest plus " promo fees '' plus finance charges plus XXXX late fees in 24 months. I am still willing to withdraw the {$3400.00} from my savings if I can get confirmation that it will be accepted as final payment and close the account.
Thank you for whatever help that you may give me in this matter.
Sincerely yours.
08/16/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
WY
82801
Web
XXXX XXXXSs#XXXXXXXX XXXX XXXX XXXX Wyoming To whom it may concern: I have recently obtained a copy of my credit file with your company, (Victoria’s Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX) and I note that there is negative information being reported.Please validate this information with (Victoria’s Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611(a)(1)(A), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to XXXX or any other means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking $XXXX per violation for 1) defamation, 2) negligent enablement of Identity Fraud, and 3) violations of the Fair Credit Reporting Act.
05/11/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
GA
30028
Web
My XX/XX/XXXX statement was paid in full as every credit card, including this one, ALWAYS are. The payment due did NOT reflect on the account so when the next statement came it was not accurate. I could see the electronic payment was posted when looking at my XXXX XXXX account but it was NOT showing up on the PayPal credit account online. As a result the next statement was inaccurate and included late fees and interest AND an inaccurate balance.
XX/XX/XXXX 's statement was not correct despite a conversation with a CSR who had, at the time, removed the fee 's and interest BUT still had not applied the payment. This continues ( although now, all of a sudden, that payment from XX/XX/XXXX 's statement, applied in XX/XX/XXXX magically appears ).
I have repeatedly requested a fee and interest fee final balance so I can pay it and move on but have NOT received a reply, in writing, that I requested.
Additionally I requested that the account be closed BUT they continue to allow new purchases to apply so they have not closed the account.
They do not respond in writing as requested and have taken no action. All this over what is well less than a {$50.00} " actual '' balance that is now over {$100.00} due to fee 's and interest being charged. Its unacceptable and I need your help to resolve this.
05/27/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
11967
Web
There were 2 charges to my account that I didn't make. on or about XX/XX/XXXX for {$500.00} and XX/XX/XXXX for {$350.00}. These charges were made by my daughter XXXX XXXX. She applied for her own credit card when making the 1st purchase. Her credit card was approved and sent to her home address in XXXX XXXX NY. I have informed the credit card co. of this, and a copy of XXXX 's credit card has been sent to them in a sincere attempt to correct this company error.
These charges were disputed and I was making the minimum {$27.00} monthly payments to protect my credit. On XX/XX/XXXX XXXX XXXX Bank sent me a check for {$210.00}, with no explaination of what the check was for. I thought the problem was resolved. Then on XX/XX/XXXX I recieved the XXXX 's XXXX statement that closed on XX/XX/XXXX, with a reversal of the provisional credit of {$350.00}, and a reversal CHARGE of {$21.00}, and also listed the refund of {$210.00}. This bill showed a new balance of {$370.00}.
Bottom line is I never made these charges. My credit report is not showing this credit card anymore, however I did make the minimum {$27.00} payment and noted disputed on the check. I really needed some time to look into the legalities of what is being done. Do I have to continue making the minimum payments to protect my credit?
12/12/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
NC
28318
Web
15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to Lane Bryant on this alleged debt.
Violation 15 U.S. Code 1692 ( b ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
I did not give Lane Bryant permission to discuss my debt with XXXX XXXX.
05/27/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
TX
78665
Web
XXXX Checked my credit report - There was a comenity bank credit card listed which I never applied for and I was never notified the account was opened in my name.
XXXX Wrote letter to comenity bank notifying them that I never opened a credit card with them and informed them it was fraud. In this letter I provided my address.
XXXX Filed police report listing identity theft XXXX Sent Comenity bank another letter and provided the police report number.
XXXX Went to IdentityTheft.gov and submitted report with FTC - reference number XXXX XXXX Sent letters to the three credit report companies letting them know about the fradulent comenity account. I included copies of the police report and the FTC report and the intial letter I sent Comenity.
XXXX Received letter from XXXX stating that they completed their research and they Deleted the Comenity BAnk/Atylrlmc account from my credit file XXXX Received letter from XXXX stating that they added the Comenity bank account back to my credit report As of XXXX I have never received a letter from Comenity, I have never received a bill from Comenity. I have received nothing in writing from Comenity yet this account still remains on my credit report under XXXX. I do not have a Comenity bank credit card and Comenity bank does not respond to my letters.
09/22/2018
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
MA
02124
Web
I got a credit card through XXXX XXXX which uses XXXX XXXX. Sometime in XXXX I purchased a sweater for less than {$25.00} with the credit card to get a discount. At the store, I paid the balance in full at the same day using my debit card.
Through a monthly credit monitoring tool, I found out in XXXX that the balance on the XXXX XXXX was {$55.00}. I was shocked and confused and on XX/XX/XXXX around XXXX I called the company to find out why I was being charged that amount. After being passed around for over an hour and 30min to different people from XXXX to the US, I finally talked with a person who said that I had to pay {$29.00} to make my balance current because the sweater payment didn't go through at the store. Since I was very frustrated at the confusing fees and lack of contact and communication, I requested for the account to be closed as well. I paid the amount and it was taken out of my bank account on XX/XX/XXXX.
I asked the representative over 3 times to ensure that my account balance was XXXX and my account was closed. She gave me a confirmation number of # XXXX. I checked my monthly credit monitoring and now the account shows up as delinquent, closed along with a balance of {$59.00}. I've tried to call the company but no one is picking up and I can't reach out anyone.
03/18/2017
Yes
Credit card
Late fee
NY
11218
Web
Older American
I have a credit card with XXXX for over a decade. I am a customer in good standing. I pay all my bills on time. In XX/XX/XXXX, I purchased a sweater using my XXXX card.
I got my bill at a time I was extremely ill with a serious XXXX on my XXXX and awaiting doctor 's appointment. I had not been able to leave my apartment other than to buy for for over 2 weeks in XX/XX/XXXX to XX/XX/XXXX due to horrible weather. I can not risk getting XXXX or XXXX. I live alone. I had taken the bill out to pay some time around XX/XX/XXXX. I forgot to put it in the mail box. I found it in my briefcase 4 days later. I immediately called XXXX. They said not to worry that I am a good paying customer. I asked them not to impose a late fee. They said they would not do so. I just got my bill and there is a whopping {$27.00} late fee imposed by them. This is outrageous. They also claim that I owe {$93.00} and a minimum payment of {$32.00}, when I paid for their {$62.00} sweater in full.
I am positive I had way less than 25 days from date I got their bill till due date. Please help me with this situation. I spent over 15 minutes on the phone with their customer service person, then told the person I had to leave for doctor 's appointment. I was unable to call back due to the fact that I work XXXX hours a week.
08/01/2019
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with customer service
SC
29617
Web
When I originally opened my Children's Place credit card I added an authorized user for the SOLE purpose for the authorized user to be able to go into the store and make purchases on my behalf without me being there. There was no disclosure online nor when I verified my identity and that I requested an authorized user with a live representative that MY account would report on this person's credit report. I first messaged them online via the secured message center last year in 2018 to request for the authorized user to be removed from my account. I was told someone would contact me... I was never contacted. I called customer service in April/May of this year to make the same request. I was told by the customer service rep that he could not complete my request and that it was sent to his supervisor and they would be in contact with me. I was never contacted. I sent another message on 5/22/2019 explaining this, and also requesting for the authorized user to be removed immediately from my account. I was told to call into customer service. I've made several attempts the past year to have this resolved, no one will assist. The authorized user is just that, an AUTHORIZED USER. His credit & personal information was not used as a factor to issue me credit nor was he a co-borrower on the card.
07/26/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Can't close your account
SC
29576
Web
XX/XX/XXXX at XXXX I called XXXX XXXX to f gain access to my account due to recent fraudulent activities. After confirming and verifying my personal information, including full social security number, they told me that they couldn't help me gain access until I provide my full name, address, dob, user id for which I did. They then sent me an email which I verified as well. He tells me it takes 24 hours to verify who I am and I explain I need access to the account and I can't get into it. I request management if he can't access give me a manager who can and they transfer me to another supervisor. They advise there are no managers and they don't have an escalation process. They forward me to another supervisor who tells me that they don't have managers. I insist on management and escalation and they forward me to an additional supervisor who reports to me that their manager is home putting his children to bed. I insist on speaking with a manager, they transfer me to yet another supervisor. I'm close to two hours requesting management to access my financial account and they advised me that I can stay on hold till tomorrow but I will not get a management. They have refused management and have no access to my financial information and they refuse to close the account due to this treatment.
11/10/2021
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
CA
93637
Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
01/21/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Credit card company won't increase or decrease your credit limit
NY
12531
Web
Hi This was the letter I sent XXXX XXXX when I had paid off my credit balance in full a week later they lowered my credit limit for no reason, I asked them to reinstate my original limit but they said no! I feel as if they just wanted my money! I was never late paid more than my min payment!
Im inquiring as to why my credit limit was decreased from {$1000.00} to {$750.00}?
I know I had notified you guys regarding the reason I was not going to be able to pay the last two missed payments of XX/XX/XXXX and XX/XX/2018 due to someone had compromised my banking information, so the bank had to complete their investigation and I was unable to make any transactions using my bank account! And I had agreed as promised to pay off the full balance once the investigation with my bank was completed! And I paid off all my other accounts as well! I think it it unfair that this happened to me as a good customer with good payment history since my account was opened! I would like to be reconsidered to get back my original credit limit or extend my credit furter!! I can understand if my account wasnt in good standing! I also have a recording where I spoke with your representative on the phone when he explained and assured my account was in good standing and that it was ok to pay off my full balance!
06/05/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
NY
11772
Web
On XX/XX/XXXX, I purchased jewelry from Zales in the amount of {$1400.00}. Zales sold me the jewelry on a 12 month interest free promotion. I was willing to pay cash but the sales person sold me on the promotion as " free money '' and pushed me to open up a Zales credit card account. It wasn't clear to me that the promotional credit contract ( Comenity Bank ) I was signing was separate from the credit agreement I was signing with Zales.
I received monthly bills from Zales, indicating that payments were due by the XXXX of the month. On XX/XX/XXXX, I made my first payment of {$120.00}, and continued making 11 additional payments of {$120.00} each delivered by the XXXX of month, the final payment was received on XX/XX/XXXX ; for a total amount paid of {$1400.00}.
On approximately XX/XX/XXXX, I received a bill from Zales with a promo interest adjustment of + {$260.00} and a new balance of {$260.00}.
To my surprise, I was being back billed for accrued interest because I didn't payoff the original purchase amount by XX/XX/XXXX.
I was using the due date and billing cycle on the credit card bill.. .to make the payments which were " out of sync '' with the 12 month promotional payments due date. This resulted in my final payment of {$120.00} arriving on XXXX days past the promotion end.
09/16/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
15044
Web
Hello, I'm registering a complaint against XXXX XXXX for the inappropriate assessment of late payment fees and interest to my account. My statement dated XX/XX/XXXX included a late fee and interest assessed on XX/XX/XXXX. I mailed my payment on XX/XX/XXXX or XX/XX/XXXX along with other payments to different vendors. All received their payments before XX/XX/XXXX, except XXXX which took the extra step to convert my payment to an eCheck and it cleared on XX/XX/XXXX, after the statement cutoff, and conveniently so they can add an extra fee. I called to raise the concern and they were unhelpful, mentioning that because I had closed my account, they would not reverse the fee that was assessed. If one looked the postmark date of the payment, they would clearly see that this was postmarked before the due date and was received timely. I'm aware that this crossed the XXXX XXXX holiday, however it seems like I am being taken advantage of, or at least being forced to pay a fee for their untimely processing.
To avoid continuance of this problem and to put an end to my relationship with XXXX XXXX, I'm remitting the full amount due for the current statement ( though I don't feel it is appropriate ). I respectfully request the Bureau 's assistance in having the {$31.00} refunded.
Thanks, XXXX
05/08/2018
Yes
Debt collection
I do not know
Communication tactics
Frequent or repeated calls
GA
30062
Web
On XX/XX/2018 I was contacted via my personal cell phone by a woman from XXXX who identified herself as being with XXXX XXXX. She left me a voice mail to call her on a different number XXXX ext XXXX about an urgent matter and that I needed to call her by XXXX.
I have no open accounts with any creditor other than a mortgage. I decided to call this number back from a different phone on XX/XX/18. I was pressed by the agent on the other line to give my phone # that I was called on and when I refused they asked for my social security number. I gave neither items. The first lady I spoke with gave me a PO Box with a zip code of XXXX. When I pressed her for a physical address so that I can come to their location and speak to a manager they transferred me to a XXXX XXXX. He also pressed me for my social security number and refused to provide nothing other than a PO box address. XXXX XXXX XXXX XXXX OH XXXX. The first lady may have transposed a number but it seems odd that an employee would do that.
This may be a completely legitimate company but their collection and contacting practices are aggressive and predatory. When googling the name of the company this appears to be a legitimate bank but their communication tactics are questionable.
I attached the voice mail left on my cellphone.
03/21/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
CA
94132
Web
1 ) I bought furniture from XXXX through a XXXX XXXX credit card 2 ) I made the regularly scheduled payment until there was a charge that was not mine on the bill 3 ) The full amount was refunded while they researched the issue 4 ) they corrected the issue, however, the grace period of interest free was lost 5 ) The bill continued to be inaccurate 6 ) I payed off the amount of my furniture but now XXXX is trying to collect over 5K in interest fees and finance charges. This can not be legal and in violation of consumer rights.
7 ) I have received a letter from XXXX stating they agree with me that these charges are not accurate and do not hold me responsible for them.
I ask that XXXX XXXX take the XXXX I have paid ( over the amount of the furniture ) and end this case. I will continue to fight for my rights as a consumer and will not let this go until this is observed.
As a result my credit is affected which I have taken the care to build over the years. You will see from my credit history I have no other records of any issues in paying off my bills. So clearly this is an incident where I am a victim of illegal activity and fraud and I will not just hand over my hard earned money. I really hope that CFPB can continue to help me in this matter.
Thank you so much for your help
12/02/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
MA
02136
Web
XXXX XXXX XXXX reported a false late payment to the credit agencies and now they refuse to remove it. Unfortunately, I do not have proof of the check or date of occurrence as it was 3-4 years. My bank just does not allow me to go that far back.
As I recall, I made a monthly payment to XXXX XXXX XXXX and mailed the check to the address found at the back of the statement. For some strange reason they could not locate my check. They later identified that it was received by another department. When the payment was finally transferred to the correct department, it was processed into the system as being received that day. Even though it was paid and recieved prior to the due date.
This payment has lowered my credit score significantly and hurt my chance of obtaining school loans. I tried disputing the incorrect information with the crediting reporting agency. However, comenity bank keeps declining, despite the fact that it was their fault the payment was late payment. Also, the company did not take into consideration my excellent payment history with them. They rather see good customers like me, credit, take a major hit. This is one of the reasons so many people are struggling is because credit card companies are quick to tarnish consumers credit, knowing that America runs on credit.
12/28/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
NV
89138
Web
I recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, COMENITY BANK/FRONTGATE immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off?
I was on the phone with COMENITY BANK/FRONTGATE throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon.
Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that COMENITY BANK/FRONTGATE never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now everyone 's paid off but I have a XXXX credit score? This is not right at all!
06/19/2018
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
FL
33150
Web
I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXXXXXX XXXX XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/XXXX, XX/XX/XXXX ), as well as the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXXXXXX XXXX XXXXXXXX has contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.
03/11/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
17402
Web
Older American
We received our XXXX XXXX XXXX statement by mail on XX/XX/2019 and I immediately payed the amount of the bill ( {$95.00} ) via our online banking account with XXXX XXXX XXXX. I called XXXX XXXX and they verified that a check for that amount ( {$95.00} ) was sent by XXXX XXXX to XXXX XXXX on XX/XX/2019 with expected arrival no later than XX/XX/2019. The due date on the statement was XX/XX/2019. Please note that the due date was only 10 days from the time I received my statement and that most credit cards give you closer to 21 days. 2-3 days ago we received another statement from XXXX XXXX XXXX showing a late fee of {$27.00} and a finance charge of {$2.00} because our payment was not received until XX/XX/2019, 17 days after XXXX XXXX had mailed the check. When I spoke to the XXXX XXXX " customer service '' representative, I was told that they had no control over mail delivery and that we must pay the fee and interest charge. We had a similar scenario with a different retailer, but same bank, about one month ago. After much time and effort they grudgingly waived the late fee.After going online, I found that there were multiple similar complaints against XXXX XXXX and their tactics. I think they are running a customer scam to collect late fees. Please help! Thanks. XXXX XXXX XXXX
10/25/2019
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
IN
46250
Web
On XX/XX/2019, Comenity Bank Representative, XXXX was in violation of the Fair Debt Collection Practices Act Section 805 ( b ) by contacting an unauthorized third party regarding this business matter. According to law, the fine for such negligence is {$1000.00}. For your information, XXXX left the following contact information on a former relative and otherwise unauthorized persons voicemail : XXXX ext. XXXX.
I sent a letter to Comenity Bank on XX/XX/XXXX regarding their negligence and requesting to resolve this violation and business matter, by paying the fine in the amount of {$1000.00} by applying it to both accounts affiliated with Comenity Bank ( XXXX XXXX XXXX XXXX and XXXX ). The Recovery Team of Comenity Bank for XXXX sent a response on XX/XX/2019 acknowledging receipt of my letter to cease and desist communication to third parties and offered a settlement for me to pay however this is not what I stated within the letter. Amount owed to XXXX {$760.00}, settlement offered {$380.00}.
I stated in closing : " You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau and the Indiana Attorney Generals office. Civil and criminal claims will be pursued. ''
09/08/2018
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
MA
02302
Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
07/03/2017
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
FL
34286
Web
I became past due on one of my accounts with Comenity. That is when the phone calls began occurring on my cell phone. It got to the point when they were trying to disguise their number and come up restricted. They never once left a message. On XX/XX/XXXX, they called me at XXXX XXXX., XXXXXXXX XXXX. and then again at XXXX XXXX. I called them back the following day and spoke with XXXX. She told me that as the calls were autodialer/robocalls, there was NOTHING that they could do to control the frequency of the calls. I had called from a line at work. I just now received a robocall at my place of employment from them, when I never once gave them permission to use that number to reach me. These tactics are a form of harassment. There was dead air and then disconnect. Luckily I was able to retrieve the number and call back to find out that it was Comenity. Last year, I received an email from a class action suit that I was going to be receiving portions of this suit due to illegal activities 9f their Account Assure practices. Instead of mailing me the check, the put the balance of what was owed to me towards a legally settled account that was closed a year prior. I definitely think that the FTC needs to seriously monitor this credit company and all their activities.
08/28/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
TX
78155
Web
My complaint is with XXXX XXXX XXXX/Comenity Bank, account ending in XXXX. On XX/XX/21, I paid the credit card account in full. I was then charged the residual interest of {$5.00}, I not realizing there was still a charge on my account, I failed to make the payment and then charged a late fee of {$5.00} plus a late fee of {$2.00}, total of {$12.00}. I contacted the bank to ask for a courtesy adjustment and was told due to the account being closed ( at their request because XXXX stores closed ) they could not issue a courtesy adjustment and recommended I pay the {$12.00} balance. I asked where in the credit card terms and conditions did it state no adjustments could be made when the account was closed. I was advised to access a website other than the general website where I would usually log in to pay my account each month. I asked where on the website could I locate the credit card agreement terms and conditions and was told it was not on the Comenity website and again given a totally different website to access and review the terms and conditions. I asked how would I know to go read these terms on a totally different website and was not given an answer. I asked where could I locate my question about no courtesy adjustments when an account is closed and did not get an answer.
06/29/2020
Yes
Credit card or prepaid card
Store credit card
Struggling to pay your bill
Credit card company won't work with you while you're going through financial hardship
CA
95618
Web
I had several store cards that were issued and serviced by Comenity. These accounts are now closed, and the remaining balances are being paid through a debt management program ( DMP ). I have been making regular and timely payments on these accounts for over a year. Recently, on XX/XX/2020, I called to request payment deferments for these accounts. Though payment deferments are being offered to customers with Covid-related financial hardship, I was told I was not eligible because my accounts are being handled via a DMP. The customer service agents politely informed me that I could choose to not make the payments anyway, but in doing so I could incur late charges and adverse credit reports for the late payments.
Such policies penalize customers most in need. A payment deferment of 1-2 months would enable me to resume regular payments after I've had some time to find replace some of my lost income, and avoid actions ( e.g. late payments or bankruptcy ) that could further harm the credit I have been working to rebuild. I am filing this complaint in the hopes that Comenity will reconsider their policy and extend the deferred payment benefit not just to me but all interested clients with Covid-related financial hardships irrespective of whether payments are being made via a DMP.
05/20/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NJ
08731
Web
Older American
On XX/XX/19 I purchased a diamond and tanzanite bracelet in XXXX from XXXX XXXX and financed through Comenity Capital Bank. They held my bracelet at the store while they sized a ring I purchased. I believe they switched bracelets and when I came home from cruise the bracelet in the box was defective. I immediately got in contact with XXXX XXXX and went through process of returning it and waited for a new one. Months went by with many emails from me to them with no resolve. I do not have the bracelet, XXXX XXXX. has continually lied about the status of the bracelet, and I have all the emails for proof. I filed several claims with Comenity Bank who always says they will research the matter. They have removed the {$3300.00} and then put it back on my card numerous times. XXXX sent me a voucher for {$3300.00} to purchase something else. This bracelet was chosen as a memory of my cruise to XXXX, I don't want anything else. So I returned the credit voucher to XXXX and made a copy of that voucher which I voided and sent it to Comenity. I have a whole file of correspondence from both Comenity and XXXX. The are still billing me for something I do not have. I want my account credited for the {$3300.00} I paid {$1700.00} for the ring I purchased, and I paid that off through Comenity.
04/20/2017
Yes
Debt collection
Credit card
Cont'd attempts collect debt not owed
Debt is not mine
ME
04005
Web
XXXX did not do their due diligence in researching a date of birth, finances or social security number before they opened a deferred credit account with a XXXX XXXX XXXX child who happens to have many diagnosis, one of which is XXXX . After 3 months we received a past due bill for {$3300.00}. The childs parents had no knowledge of this account. When we called XXXX to inquire about this bill they gave me an incorrect dob and ssn which did not belong to any family member, and then they asked to speak to my XXXX XXXX XXXX son to verify his information, realizing at that point they were dealing with a XXXX XXXX XXXX . I have now been mailed an afadavit which would admit that I was fraudulent which I am not. This account was opened by my XXXX XXXX XXXX on the computer using his name and a false social security number. My XXXX XXXX XXXX son has the mentality of an XXXX XXXX XXXX and did not realize what he was doing. He " thought '' he was buying and selling toy airplanes and did n't realize that money was being added up. We never received any bills until almost 4 months of transactions had taken place. We have packaged up all the merchandise which came from all over the world and would cost over {$1000.00} in shipping to re-sell and mail.
09/02/2019
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
CA
90277
Web
Comenity bank for Victoria 's secret enrolled me in paperless billing without me checking a box. I paid a balance online and they must have enrolled me in paperless billing even though I never checked a box to be enrolled in paperless billing. I would never do that, I hate paperless billing because I receive so much spam, I could miss a bill.The next month, I went to Victoria 's Secret and made a purchase. Two months later I get a call from Comenity that I am late. I never saw a bill, it could have gone in my junk box or they never sent it, who knows? They assessed {$28.00} ( first month ) + {$39.00} ( second month ) in late fees and {$2.00} in late charges. The lady on the phone lied and said that she would waive the late fees but not the finance charges which she said was only {$1.00}. So I paid the balance immediately over the phone and requested to be removed from paperless billing, I did not have access to my online account at the time. When I got home, I realized that not only did she not waive any of the late fees but she also kept me enrolled in paperless billing. I then un-enrolled myself from paperless billing and closed my account over the phone. I have received no confirmation that my account is closed. Its still showing that I owe {$39.00}, the second late fee.
05/18/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
CA
95212
Web
Servicemember
I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for PAYPALCREDIT the date of the inquiry states XX/XX/XXXX and the institution 's information is Paypalcredit XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX.
The second hard inquiry that does not pertain to me is an inquiry that states XXXX/XXXX XXXX. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is XXXX/XXXX XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX.
The third hard inquiry that does not pertain to me is XXXX/XXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is XXXX/XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX.
The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, XXXX XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX.
The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, XXXX XXXX and the phone number is ( XXXX ) XXXX.
03/21/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
VA
22309
Web
In XX/XX/XXXX, we were pressured to try a {$6000.00} vacation club membership from XXXX XXXX ( Travel Club ) out of XXXX, Florida. The sales method was a ) predatory, as described in the letter to them on XX/XX/XXXX ; XXXX and b ) none of what they promised existsno services we tried to access worked. Consequently, we sought termination of the contract for reasons of false representation of the travel club, and full restitution of the {$6000.00} paid for membership. We sent them a certified letter to that effect on XX/XX/XXXX. The presumed debt was sold to XXXX XXXX, which is constantly harassing us with phone calls, and repeatedly pressuring my husband, XXXX XXXX, to make payments. I have informed them that we terminated our agreement for nonperformance and that my husband is retired, XXXX and has suffered from a XXXX XXXX. I have told them repeatedly to stop calling us. They continue to do so. I received such a call on XX/XX/XXXX, and told them firmly that we were filing this complaint, and to stop calling. Today, XX/XX/XXXX, they AGAIN called my husband and bullied him into making yet another payment! In addition to breaking federal consumer protection and credit laws, this also constitutes elder abuse. I seek restitution of the stolen funds and cessation of these calls.
02/04/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
AR
72719
Web
In XXXX of XXXX, I paid the remaining {$270.00} balance on my Victoria 's Secret card leaving me with a {$0.00} balance. The following month, XXXX, I received a bill for an interest charge on a {$0.00} balance. I reported the charge on XX/XX/XXXX and never heard back. The company continued to charge me late fees and report to XXXX docking my score XXXX points each time. This has totaled to roughly XXXX points. I sent a dispute through XXXX again which was in favor of Victoria 's Secret. I then called the company ( VS ) on XX/XX/XXXX to ask about the charges. They instantly removed all charges however that does not correct my score nor have they removed the charges. My score was damaged due to false and fraudulent charges on a {$0.00} and falsely reported as " accurate '' when I filed my dispute with XXXX both times. The company ( VS ) told me they would send a letter to XXXX stating they were incorrect and to correct my score due to their false charges. I have yet to see any of that and I still see a late payment on my score.
I have had this card for over 10 years and have never had this happen when paying the card off. This is unacceptable! Falsely adding charges to someone's credit card then lying to a credit report company is fraud and false reporting of one 's credit.
10/23/2019
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with customer service
PA
19510
Web
I have had numerous cards ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX of XXXX, XXXX XXXX, XXXX, XXXX XXXX, Victoria 's SecreXXXX, Zales, Ann Taylor, XXXX XXXX, XXXX XXXX XXXX, and XXXX, with Comenity Bank over the years.
Their customer service is absolutely horrible. They are rude and do not answer your questions. They lie and tell you something has been done, when it is apparent it has not.
They have cancelled many of my credit cards and lowered my balance without notifying me prior to doing so.
I paid a few days late on my one card and they suspended the card until the next billing cycle which was 7 weeks later.
I took the account assure to help if I was ever out of work, and was charged monthly for the service ( Not cheap ), which raised the balance owed on my credit card, so my card was maxed out and I wasn't even using it ( but because I had a balance I was charged ). When I called to use it, they gave me a hard time and I would have to send documents several times before they would start crediting my account ( always would claim they never received it ). When I called to cancel the service they would give me a hard time.
They used to allow you to schedule monthly payments so that your account was automatically paid, they took that away without notification.
05/03/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
DE
19802
Web
On XX/XX/XXXX I called to question late fees of {$38.00} from XXXX XXXX. I spoke with customer service. What was found is that since the due date on my account is the XX/XX/XXXX of the month and my payments came in at the end of the prior month the late fees are assessed because it is 2 different months. The bank refused to refund any of the late fees and told me they can't change the due date due to the account being closed. I want the account closed and am working to pay it off but am unable to because of all of the fees I am being charged because my due date just so happens to be at the beginning of the month. I have my payments scheduled for biweekly deductions and 2 to 3 payments are sent in a month. Her resolution was " is there any way you can get paid on the XX/XX/XXXX and just send the payment then ''. In the past year they have charged me {$500.00} or more in late fees due this. The customer service rep has verified that the way I make my payments does ensure that the payment is made and actually gives more payments then necessary however their system doesn't capture in the month it should because the due date is on the XX/XX/XXXX. If I send a payment on the XX/XX/XXXX it will go to that month and I will still be charged a late fee because the month is different.
02/20/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
11757
Web
I asked the credit card company if I promised to make a payment after my complaint is resolved if interest would still be charged. They asked if I filed a dispute. I said I was not aware I could dispute the promotional interest charge with them and that I filed the complaint with the government. At that point I was cut off mid sentence and transferred to make a dispute before the late fee could be removed as promised and then the call disconnected. I called 3 times from the same phone and each time I kept getting hung up on. I finally called from my home number and finally I was able to get in touch with someone.
During the call I explained the the number I found from XXXX to find out why I did not receive a bill would not connect me to a representative. I explained that I also called the store I made the purchase from and they too could not get a representative on the line. The only reason I was able to get in touch with the credit card company was because they texted me after the due date. I never received anything in the mail, phone call or email. They apologized that the mail got lost and that I received the wrong number but they could not remove the promotiinal interest charge even though I never received any mail and my account number changed without my knowledge.
07/24/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
OH
45005
Web
Older American, Servicemember
On XXXX XXXX, XXXX we paid XXXX XXXX {$2200.00} down to do landscaping. We got his company from recommendations on " XXXX XXXX ''. They came out two times one removed some landscaping bricks which they took with them and removed a section of fence in our back yard. They removed a few bushes never put the fence back and never showed up again. We repeatedly called and left messages. On XX/XX/XXXX we received a letter from his wife stating he took our money finished another job with it and then was arrested for XXXX XXXX. We contacted out credit card company " Comenity Bank '' and filed a dispute. We sent in all requested documents. A couple months later we contacted Comenity and sent in all the information again. Every time we called Comenity they said they were investigating. Finally in XXXX of XXXX we received notice that the dispute was denied. Once again when I called they said they needed more documentation. When I asked what they needed they sent me the exact same list from the previous year. Once again it was denied and when I asked why they needed more information but asked for exactly what I had sent two other times. No one at Comenity would tell me what exactly they needed or what I was missing. I cancelled my card and still can not get any answer from Comenity.
03/15/2019
Yes
Money transfer, virtual currency, or money service
Domestic (US) money transfer
Money was not available when promised
AL
36117
Web
Older American
On XX/XX/2019, XXXX XXXX received my credi transfer request in the amount of {$8600.00}. I received a email from them stating that they had received my request. The transfer was charged to my XXXX XXXX card and I began receiving and paying bills on the {$8600.00} balance. The money transfer was never made to my XXXX credit card and XXXX XXXX will not tell me where the money went. I asked for the 0 % interest transfer to reduce my credit card payments due to XXXX and a long hospitalization. I feel that XXXX XXXX has perpetrated fraud as they can not and will not explain where the money is! I am paying credit card payments now for the supposed transfer as well as the payments to XXXX where the payment was supposed to be applied. I have written XXXX XXXX numerous times to no avail. They do not answer my specific questions, only send me formulated answers.
XXXX XXXX ( XXXX XXXX ) acknowledged my first payment on XX/XX/2019 and have sent me a second bill on XX/XX/2019, bills for the supposed transfer. Again, the transfer was NEVER MADE! I am essentially paying for money I have never had the use of!
I have tried to sign into my account this morning to get the names of the men I have dealt with and XXXX XXXX ( XXXX XXXX ) has refused me access to my account.
Please Help!
10/09/2017
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
CA
95834
Web
I learned last year that someone opened an account via XXXX XXXX in my name. XXXX will not provide a address where this card was mailed to nor how it was obtained, because I requested surveillance video to prove it was n't me but was told it was n't within their policy. I have never applied nor received a credit card from this company. Once I became aware of the account after receiving a collections notice, I contacted the company to advise the account was fraudulently obtained. I also notified XXXX to advise I did not open this account, at which time I later was notified that the account had been marked as fraudulent. Yet I am still receiving collection notices demanding payment on this account since it seems to continue to be brought by other collection agencies. Which is damaging on my credit report and I would like to ensure it is removed. According to the most recent notification I received from XXXX XXXX XXXX dated X/XX/17 the Original creditor XXXX XXXX Original account number XXXX with a balance of {$570.00}. After doing some online research I have learned that XXXX is allowing accounts to be opened online without any identification verification, if they have gained access to a persons date of birth, last four of their ss they can open an account. This has to stop
12/14/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
SC
29732
Web
I opened an Express Credit Card on XX/XX/2021 with COMENITY BANK and made a purchase. I received the purchase on the XXXX of XX/XX/2021. On XX/XX/XXXX I went online to register my account so when the first payment was due my account would be set up. I discover that there was a payment due on XX/XX/2021 but I had never received a statement to let me know this. I paid the card in full and messaged them that I did not receive a statement and please do not charge me a late fee and interest. I get a message back that no fees have been charged yet when the card closes out they charge me a late fee and interest. I message them again and ask them to REMOVE the LATE FEE and INTEREST. They remove the late fee and {$.00} of the {$7.00} in interest. I have been fighting this for months through messages, phone calls and sending dispute letters, Now that {$7.00} in interest from the first fee charges has turned into {$130.00} in FEES and INTEREST ONLY. I have paid for all my purchases in full and have never missed a legitimate payment. They just refuse to stop this FRAUD. Pure fraud by charging fees on top of fees that were never owed in the first place. I am at my wits end because they are going to continuing adding late fees and interest until {$7.00} turns into hundreds of dollars.
05/24/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
TX
77082
Web
XXXX has continuously and falsely verified this alleged account. XXXX have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board because XXXX is the only one reporting this alleged item.
( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.
Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
09/03/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
77316
Web
In XX/XX/2021 I mistakenly missed a payment. So in XX/XX/2021 I received a bill for a balance of {$64.00} and a minimum of {$41.00} with a due date of XX/XX/2021 to be 30 days late. I immediately paid the {$64.00} on XX/XX/2021 with a balance paid in full. Then on XX/XX/2021 the company charged me {$2.00} stating it was interest charges for the account. I did not realize as the account was paid in full prior to due date. Then they charged me more fees in the month of XXXX, XXXX and XXXX. It wasnt until I realized in XXXX with a balance of {$30.00} for bogus interest fees and late fees did I realize that they were applying fees to a XXXX account balance. I immediately called them and they stated that the original {$2.00} fee was for interest on XXXX. I kept asking how that was possible since they issued a bill in XXXX with a balance of {$64.00} and it was added after the cycle ended on the XXXX as stated by them. They refused to help me. Even after the statement stated that if I paid in full my balance would be XXXX. They just kept saying my late payment was for XXXX on my credit report, and that the original {$2.00} which has completely messed up my cc report and payment history was for XXXX. How do you accrue interest when a statement has the interest charges included.
08/23/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MA
02127
Web
For the past couple of years I have maintained a Williams and Sonoma branded credit card through Comenity Bank. In XX/XX/2019 I attempted to go online as I always to and make my payment, my balance due was approximately $XXXX. I was unable to log in using my account information which had been fine the previous quarter. I was traveling and unable to physically pay my bill or call and the bank notified the credit agencies of my delinquency. My payment became past due. When I was finally able to call them I was offered no explanation as to why I was unable to make a timely payment online. Instead, while I informed the representative that I intended to make a payment and close the account, she barraged me with balance transfer offers. I believe the website was purposefully unavailable to force customers to call in and speak with a representative in an attempt to gain more business. This has resulted in my credit score declining from XXXX to XXXX. I filed a complaint and the company did not respond. I believe many other consumers may have been impacted by this fraudulent activity and request that you investigate this matter as soon as possible. This is not dissimilar to the alleged “old” practices of XXXX of sabotaging customer accounts and then offering a great solution.
03/03/2020
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NC
27540
Web
On XX/XX/XXXX I purchased a XXXX Woven Canopy Bed, Gray Wash, Queen, # XXXX, QTY : 1, {$840.00} + Shipping and processing {$140.00} + tax XXXX for a total of {$1000.00} ( order # XXXX ) at XXXX XXXX XXXX XXXX XXXX in XXXX, NC. The assistant manager helped me with the purchase and opened a new XXXX XXXX credit card since it was under a plan of no interest if paid in a year. A few days later, I registered online to start making payments. XXXX XXXX directed me to Comenity Bank. To my surprise, I had been charged on that same day, XX/XX/XXXX, something that I had not purchased for {$280.00}. When I called the bank, the customer service representative told me that the amount had been charged even before the sales lady at XXXX XXXX had charged my bed and that it had been an online charge for XXXX XXXX XXXX. I went to the store to tell XXXX, the assistant manager, what had happened and she was very surprised. She emailed some executive from her store about my issue back in XXXX. Never heard anything from anybody.
It has been over two months I have been disputing this fraud with Comenity Bank and just now, XXXX, XX/XX/XXXX, XXXX EST, the customer service rep from this bank said that the dispute department resolution was to keep the charge on something that I didn't purchase.
07/06/2017
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
OK
74059
Web
Servicemember
I received a call from XXXX collections stating that my Paypal Credit account had been sent to collections. They told me the outstanding balance was {$2100.00}. I told them I did n't have that much money on hand but that I was willing to make payments for settle for a lesser amount to get it taken care of. XXXX and I came to an agreement of {$1200.00} to settle the debt. I made sure XXXX sent me a letter stating the debt would be settled in full once my payment was received. I went and got a cashiers check for {$1200.00} and sent it to them. About a month later, I noticed I still had a balance of my Paypal Credit account. I called Paypal. They confirmed my account was in collections, that they were waiting on XXXX to finish their part and that it usually takes one to two billing cycles to be complete. This was in XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and I 'm still getting letters from Paypal Credit telling me I have past due payments. This account was settled on XX/XX/XXXX with XXXX so I do n't understand why I keep getting letters and emails stating that I 've missed payments and still owe money. I also do n't know if Paypal has been reporting missed payments to the Credit Bureaus. If they are, they are wrong and Paypal or XXXX should be required to fix it.
09/21/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
CO
80241
Web
this complaint is regarding the clothing chain XXXX XXXX XXXX XXXX, and their credit card issued by Comenity Bank.
I had an account with them for over five years. I set up my account to receive paper statements. For an unknown reason, I stopped receiving paper statements. I use the credit card, never received a paper statement, never received an email statement ( a search of my email was done while I was online with the company 's customer service agent to verify no email has been sent while other promotional emails were being received ). I reviewed no indication of a payment being due.
Furthermore I was never notified in writing of any form that the underwriter had changed and that the company was being financially managed to differently, and nothing to account for the change in the status of how I wished to receive my statements. I received an estatement on XX/XX/XXXX ( attached ). I started receiving urgent email notifications on XX/XX/2019 ( attached ) about the bill being passed due.
I was charged interest, and late fees, and received no recourse from the company other than to pay the bill in full. On XX/XX/2019 I paid the bill {$87.00} ( which would not be pulled until XX/XX/XXXX, attached ), filed a complaint with the company and canceled my credit card.
03/25/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
OH
44133
Web
Older American
I was given a charge card by XXXX Visa Comenity Bank in XX/XX/XXXX.
My payments were always on time.
I had a credit limit of {$2500.00}. My balance was {$95.00} when I received a letter from Comenity dated XX/XX/XXXX saying that I was able to use my card until XX/XX/XXXX and at that time my card would be closed. The letter stated that other accounts including my own would close on XX/XX/XXXX.
I only had my credit card for approximately six months when Comenity closed my account.
I feel that Comenity was unjustified in closing my credit card. I feel I should not have been charged the high interest rate from 19.24 % to 18.49 % once the card was closed.
Had I have known that Comenity would have only allowed me to use my card for six months I would have gone with another credit card company.
The hard inquiry when I filled the Comenity credit card application resulted in a negative affect on my credit score. In addition, my credit score was further negatively affected once Comenity closed my account all through no fault of my own. Furthermore, since I had no credit card once Comenity closed my account, I had to apply for another credit card and again this hard inquiry once more affected my credit score.
This action on behalf of Comenity was unfair to consumers.
07/03/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
FL
33572
Web
My husband and I traveled on a XXXX XXXX cruise in XX/XX/2018. Based on a program offering 12 months of no interest, we purchased two fairly expensive watches from XXXX XXXX, a company based in New York. We were informed that as long as we made 12 equal payments on time no interest would be charged. I made every single payment on time as agreed. My last payment was made in XXXX and was only {$26.00} because we had paid so much down already. I was shocked to receive a bill in the mail for all interest that would've been due had I not made any payments. I called XXXX on XX/XX/XXXX, the day I receive the bill to figure out why I am being charged. They basically explained that even though the last payment of {$26.00} was not due until several days after it was received ( I paid it before the due date ), the 12 months no interest program expired a few days before the payment was actually due. So basically I got charged over {$570.00} for a {$26.00} final payment that was paid early. I have excellent credit and strive to always pay my bills on time. I have never filed a complaint or had an issue with a 12 month no interest arrangement. This was extremely deceptive. Even the representative I spoke to thought it was unfair, but there was nothing he could do.
Please help!!!
09/15/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
NY
11365
Web
1. XXXX XXXX charged my credit card without my knowledge. That time I followed XXXX XXXX 's instructions to send the documentations for disputing the charges. The Bank claimed the paper lost. They refused to process the dispute.
2. I called the card lost in XX/XX/XXXX. Then I never activated the card.
3. In XX/XX/XXXX XXXX XXXX sent us Email for updating the payment information because the original XXXX card is no longer active.
4. XX/XX/XXXX XXXX XXXX billed us again from XXXX XXXX of XXXX.
5. XXXX XXXX does not have my new card number.
6. XXXX XXXX leaked my information to XXXX without my consent.
7.It 's true that there are two other people that are authorized to use the card but they have no dealings with XXXX XXXX but me the primary user of the card.
8. What I don't understand is how could XXXX XXXX have my new card number if I never activated the new card that XXXX XXXX sent me. XXXX XXXX tried to used my old account number on file and there was a Payment decline-Order on Hold ( XXXX # XXXX ), so they emailed me on XX/XX/XXXX asking me to update my payment information. I never responded and yet they got a hold of my new card that wasn '' t activated. I believe that XXXX XXXX was the one that gave them my information without consent and authorization.
06/19/2018
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was paid
FL
33150
Web
I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXX XXXX XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/2018, XX/XX/2018 ), as well as the credit bureaus ( XX/XX/2018, XX/XX/2018 ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXX XXXX XXXX has contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.
12/01/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
AZ
86314
Web
I have spent numerous hours Thankon the phone with XXXX credit card department and still have no resolution. My problem started in XXXX when I made an order for {$140.00} in merchandise. I promptly returned all the merchandise and made the payment for {$14000.00} because I was aware that my merchandise credit would not be applied in time. They denied that they ever got the payment. After about 5 hours on the phone, they connected me to their bank so we could trace the payment, Commity bank realized that they had applied the paymnet to the wrong account. I requested that they transfer the payment to the correct account but told they were unable to do this. I had to make a second payment to XXXX while I waited for a refund from commenity bank.
The second payment was also applied to the wrong account and I was charged late payments and interest. Commity Bank reversed all the late charges and interest as a FAVOR to me. I have made a final payment to the XXXX account in the amount of {$59.00} They continue to re-add the late charges with interest. Communication with XXXX credit has proved to be futile, therefore I am hoping you can settle this matter for me. My credit is in the excellent range and I do not want any repercussions due to this matter.
Thank you, XXXX XXXX
12/12/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
AZ
85756
Web
Servicemember
Original complaint : " I have reached out to XXXX XXXX/ XXXX over 4 times now regarding my credit card account. Twice they have told me they would remove these late payments on my credit reports. Months went by and still nothing. I called again another other two times and was transferred to another department and then subsequently hung up on while waiting. They are showing 4 late payments ( XXXX, XXXX, XXXX, XX/XX/2017 ) which is 100 % incorrect. I set up a payment plan with XXXX in XXXX and the lady with whom I spoke to informed me I would have ZERO late payments on my credit report. Despite having this confirmed, I still kept receiving payment deliquencies on my credit report from this company even though I was making payments on time in my payment plan. I need these removed as these are not incorrect, but are seriously hurting me financially. I have been a loyal customer to XXXX for several years and want to be treated better than this. " XXXX XXXX XXXX XXXX ( representing XXXX in the consumer complaints dept ) stated that I did not pay the correct amounts past due. However, the amount I paid were the amount STATED as due on my account " viewed online ''. The paper statement was correct but the online amount due WAS NOT CORRECT ... I paid what I was asked to pay.
12/16/2016
Yes
Credit card
Credit card protection / Debt protection
NJ
07753
Web
XX/XX/2016, I used my XXXX card to purchase a dress for {$29.00}. At that time my card had a XXXX balance and my available credit was {$300.00}. About a week later, I returned the merchandise to the store. Knowing that I was back to XXXX balance again I saved my card and I did not use it. XX/XX/2016 I get a bill for late fees that have accumulated since then. I have called the credit card company 6 times and I am not satisfied with their answer. They want me to pay a balance of {$200.00} dollars just late fees. I have been unable to use the card since XX/XX/2016 and I requested them to close the account. The amount was " closed '' but the late fees continue to accumulate. I have made one payment to solve this debt last week and finally they offered to open a dispute today and they tell me that it is going to take 60 days for them to respond to the dispute. Meanwhile, the late fees are going to continue to accumulate. I have asked to speak with a supervisor and a supervisor is apparently never available. The credit card also claims that the balance is due to the assure fees of XXXX cents a month which are creating a fake balance and therefore causing late fees to accumulate. My credit is being affected and I have to pay XXXX dollars that I did not use or benefit from
03/28/2019
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Application denied
CA
92627
Web
XXXX XXXX XXXX - XX/XX/XXXX.
In XX/XX/XXXXsomeone fraudulently opened credit cards in my name. I put a lock on all 3 credit reports. I unlocked my credit so I could apply for a XXXX store card thru XXXX XXXX. I was told it would be approximately 2 hours before I could apply. I applied 24 hours later and was denied. Comenity Bank said I need to wait at least 48 hours before I applied ( Difference between what the credit agency told me and the banks policy ) Now that I have applied and have been denied because my credit was locked I can't reapply for credit with XXXX XXXX again until after 30 days. If I would have initially waited 48 + hours before I applied it would have been fine. Not one time was I told this information, not by the credit reporting agencies and not the bank.
Why would the consumer be punished for 1 ) protecting my credit 2 ) lifting the lock and applying within the time I was told by all 3 credit reporting agencies. Why would the bank have a different policy? Why didn't the bank communicate that to the consumer. Why can't I re-apply after the longer wait period dictated by the bank?
I have excellent credit, debt ratio, job and money in the bank but denied because I locked my credit to protect my good credit only to be punished by the bank.
04/23/2021
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
PA
19152
Web
I am writing to dispute the following information in my file.
Items : Comenity / Full Beauty and Comenity / Wayfair is inaccurate because these accounts were paid in full directly with Comenity on XX/XX/2021. Comenity sold the account to XXXX XXXX XXXX after I made the payment, and now the monies are just sitting in space somewhere unapplied. The company the sold the debt to, XXXX XXXX XXXX is now coming after me for the money. I am requesting that the item be updated as paid in full immediately and reflected as such on my credit report. The attached letter from my bank confirms the funds were satisfied and Comenity still has not updated the account or reported it as paid to any credit bureaus. The attached letter from my bank was sent to Comenity on XX/XX/2021 at their request. I have had up to a dozen phone calls with Comenity to remedy this and to be spiteful, the lowered the balances on my other Comenity held cards. They have confirmed receipt of the letter from my bank and still they have not taken action. After accepting my full payment, they sold it for pennies on the dollar and now I have two collectors coming after me for a debt that I paid in full.
Please investigate this matter as soon as possible as I have exhausted all resources to fix the issue.
10/03/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
CA
95076
Web
XX/XX/XXXX : Round trip airline ( XXXX ) ticket purchase using Comenity Bank-issued credit card ( {$480.00} ) XX/XX/XXXX : Notification of outbound flight cancellation ; XX/XX/XXXX : Notification of inbound flight cancellation XX/XX/XXXX through XX/XX/XXXX : Multiple calls to airline requesting refund ( refused ), including attempts to escalate to supervisor. Ultimately told to contact complaint department in writing.
XX/XX/XXXX : Email to complaint department of XXXX XX/XX/XXXX : Written denial of refund request made to XXXX XX/XX/XXXX : My reply to XXXX insisting on refund ; response by XXXX denying request again.
XX/XX/XXXX : First attempt to contact Comenity to dispute charge. Taken verbally by agent.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Calls to Comenity related to dispute, including several attempts to obtain reconsideration of denials ; additional online submission of dispute with relevant documentation.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Letters of acknowledgement of receipt of dispute, denials of my original dispute and my subsequent submissions requesting reconsideration. Letters include comments suggesting that Comenity did not review any of my submitted proof and make any contact with the airline.
12/28/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
92312
Web
Older American
On XXXX XX/XX/19 I made a XXXX purchase for some clothing using my XXXX Card. I made a purchase for {$79.00}, but only {$71.00} was shipped. The {$7.00} purchased was mailed months later and I paid it in XXXX. However ; the payment did not go through for {$7.00}, like XXXX did this to me last month and I even have the confirmation numbers. I had to make the payment again and today I also made the {$7.00} payment to XXXX because it did not clear my bank ; however, the total payments of my account had already been made for the amount of {$89.00} ; when, the total balance of my order was {$79.00}. I even had to return a pant that sold for {$2.00} plus tax. I am size XXXX XXXX, or XXXX size. But XXXX sent me the pant with a waist measuring XXXX inches! Which would be the size of a person weighing 400 lbs. When I returned it, the horror story began, with XXXX charging me {$9.00} when they had send me a prepaid label for this amount due to their error! I've had XXXX Credit card for a very long time, over 10 years and also have a history of making ALL my payments on time 100 % of the time. This is how CPA Tier II accountants are, righteous! XXXX says I owe now {$130.00} ALL PAST DUE CHARGES AND INTEREST, WHEN I OWE XXXX XXXX AND EVEN HAD REWARDS OF {$41.00}! Thank you.
11/06/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
GA
30076
Web
Servicemember
This is in regards to 2 accounts that I have with XXXX XXXX. One account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed.
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.
03/13/2021
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Seized or attempted to seize your property
CA
92704
Web
Servicemember
On XX/XX/XXXX I received a credit score notification stating my card had been charged off and my credit score decreased. I had spoken to COMENITY bank regarding my account for Victoria 's Secret and XXXX stating that I was out of work due to COVID, and they gave me time off from payments back in XXXX of XXXX I was working with XXXX XXXX at the time, and Comenity said they would give me a deferment, but they charged off my accounts before that deferment had passed. Ever since then, I have been receiving calls everyday, sometimes up to five times, asking for more money. This month they expect me to pay twice, and are threatening legal action, but i TOLD XXXX XXXX that I am out of work. and now I am receiving threatening calls stating that my account will be escalated, but they won't tell me what that means.
I have told them repeatedly that I havent found a job yet but XXXX XXXX, the person " assigned " to me, won't leave me alone. She tried to tell me i HAD TO MAke automatic payments, that that is the only method of payment they will accept, but I never gave her my account information. And so today, XX/XX/XXXX, I see a pending charge from them for XXXX. I agreed to pay off but I am going broke and I have tried repeatedly to get them to just wait and they won't.
01/08/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
75180
Web
Servicemember
Hello, on Wednesday, XX/XX/XXXX, XXXX XXXX ( ET ) I sent an email to XXXX XXXX about charges on my Victoria Secret Credit Card for a Debt Cancellation program that I didn't sign up for. I was instructed to contact the 800 customer care number and cancel the account. I made contact with a rep and was told everything was cancelled. I also unrolled online aswell. I followed up a few months later noticed i was still being charged and I started sending emails.
I was told the account was enrolled from XX/XX/XXXX, through XXXX XXXX, XXXX totally of {$100.00} over the course of a year.
XXXX is the Rep I spoke with.
The emails were all sent to Comenity Bank which oversees the VS account XXXX.
Message ID : XXXX Another message was Sent : Thursday, XX/XX/XXXX, XXXX XXXX ( ET ) Subject : Re : XXXX XXXX XXXX XXXX Message ID : XXXX I was given this confirmation number XXXX stating the full refund of {$100.00} would be processed, and it would take 7 days to get this completed.
IS THE CONFIRMATION NUMBER THAT WAS GIVEN TO ME I WAS TOLD SHE WOULD PUT IN THE REQUEST FOR A FULL REFUND AND IT WASNT DONE. SHE TOLD ME SHE COULD ONLY REFUND ME 6 MONTHS REFUND TOTALLY {$63.00} AND I WOULD SEE THAT ON THE ACCOUNT WITHIN 2 BILLING CYCLES.
XXXX IS THE REP # FOR XXXX ( SUPERVISOR )
12/08/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
VA
22305
Web
I purchased a couch from XXXX XXXX in XX/XX/2016. I earned rewards totaling around {$700.00} on a certificate with a 6-month expiration date. I researched the account and saw online that points do not expire for 36 months, so I called customer service to inquire about the policy.
I was told explicitly over the phone that the certificate was only good for 6 months, but the actual rewards were good for 36 months. I would be able to get a new certificate at any point within the 36 month period.
I called in XX/XX/XXXX to get a refreshed certificate, and was told those {$700.00} had expired after 6 months and that 'points ' and 'dollars ' are completely different -- the exact opposite of what the original agent had told me.
The second agent I talked to took no accountability, and said the policy was clearly stated in their rewards information ( this same information that was confusing and led me to call in the first time ). He made no attempt to correct the situation.
I know XXXX XXXX is small and can often fly under the radar, but I urge you to investigate these shady policies and practices that I believe are intentionally designed to deceive customers.
Banks should be held fully accountable for deceptive practices even when they are part of partnerships.
05/01/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
PA
15425
Web
against : XXXX XX/XX/2017 charges were made of XXXX to my store card claiming I ordered magazines. I did NOT order them. Called XXXX and they told me I would have to call the magazine companies to get charges removed ( XXXX XXXX, XXXX, XXXX ). partial payment removed which resulted in late fees being applied by XXXX. After harassing phone calls from XXXX I tried again to have the remainder removed. Again, only a partial payment was removed from the magazine companies. This went on again for two months. Two more late fees added to something I DID NOT owe! I ended up with a balance from the magazine companies of XXXX and odd cents and late fees on the next bill. I tried again to contact XXXX via email telling them if they would remove the late fees I would pay the XXXX just to be done. They responded by saying I would have to dispute the charges. XXXX has ruined my credit. I faithfully pay my debt and this was through no fault of my own. Never would I order magazines I don't want. I am a responsible home owner with mortgages and credit cards I have never been late on. I want this removed from my credit report along with all the negative credit marks. I appreciate any help you can give me. This has been a battle for months!! XXXX has committed fraud and deception.
12/09/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
TX
77015
Web
In XX/XX/2019 I had a {$150.00} Victoria Secret Credit Card Account Closed with a Balance of {$270.00} at which point I had made arrangements and made Payments to pay the Balance owed in which it reflects on my Credit Report that the last Payment was made on XX/XX/2019 I don't have the records but I know I paid all but about {$50.00} of this entire debt. which shows as a {$0.00} Balance on my Credit Report. However, In XX/XX/2019 Victoria Secret sold the Debt. to XXXX XXXX XXXX. Since XXXX has purchased the Debt they have contacted me multiple time by phone and mail. They continue to say I owe the entire {$270.00} and I have disputed this and have been unable to resolve it but simply the fact the Debt shows a last payment 3 Months and 3 weeks after the account was closed makes it more than obvious enough that I paid the Debt after the account was Closed. In all fairness I truly believe that XXXX XXXX XXXX should be fined the {$1000.00} for continuously Violating my rights under the Fair Debt Collection act. Plus everything about the Debt and or account be removed from all three reporting agencies.
I would expect with the fine money a letter saying they are sorry for trying to collect a Debt I have previously settled before they purchased a Non existent Debt.
08/07/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
CT
06830
Web
I have the XXXX XXXX credit card from Comenity Bank. I have not used the account in the last few years. On XX/XX/XXXX I was charged {$100.00} on the card to be part of the XXXX XXXX. I however was not informed of this by XXXX XXXX. I reached out to XXXX XXXX on XX/XX/XXXX when I realized that I had been charged and was being charged a late fee. XXXX XXXX said they sent emails on XX/XX/XXXX and XX/XX/XXXX but I provided screengrabs that I did not receive any emails about this and XXXX XXXX reversed the charge.
Comenity Bank manages the credit card. I reached out the bank and they were only willing to take off 1 of the late fees. I had a past due account and wanted to close it. Even though I was unaware of the charge and did not consent to it and XXXX XXXX even reversed it they did not care and when I said that I should be not be responsible for paying it they closed the account and sent the information to the national credit rating agencies. I have copies of all of my messages. I was past due on an account I didn't know even had a balance because I did not consent to the charge and they were entirely unwilling to be understanding, especially since after the charge was reversed the only balance was late fees and interest on a charge that was no longer there.
02/04/2019
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
GA
30168
Web
XXXX XXXX XXXX purchased a collections account from XXXX XXXX XXXX XXXX, who bought it from XXXX XXXX, on XX/XX/XXXX. The purchased electronic files that does not include any contract or any other identification. I have asked for copies of all documents XXXX XXXX purchased on this account and have not received them. XXXX keeps fraudently reporting this account because they do not have the documents on this account. The keep telling me they are ordering this from the original creditor and have not and it has been beyond 30 days required by law for them to respond. I explained to them this account is not mine- I did not open it and they can not not even show proof of when it was opened. I am demanding that this account is removed from my credit profile immediately- I have filed multiple reports through the Consumer Federal Protection Bureau and they continue to send me the same few statements they have and not the full documents I have requested. The most recent letter they sent on XX/XX/XXXX said to call them to request copies of payment history when I called that same very day and requested this information verbally as well as through the Consumer Federal Protection Agency prior- They are ignoring my complaints on Purpose and does not have the documents needed
04/17/2017
Yes
Credit card
Billing disputes
PA
19085
Web
I am a XXXX and do most of my purchasing and credit card management on the web. In XX/XX/XXXX I made a XXXX present purchase for my daughter using HSN ( Home Shopping Network ) online using their " Flexpay '' feature of 2 payments. The credit I used was the HSN credit card which is apparently managed by Comenity Bank. Although I pay substantially in excess of the minimum due each month, which I have set up electronically, apparently there was a problem with payment # 2. At this writing, although I have available balance on this card, Comenity has sent this second payment to collection. In the past the ability to view " Flexpay '' s online has not been available but since this absurd problem started they have improved their website. That is how I come to know the issue. I spoke with HSN today multiple times and they say there is nothing they can do. Apparently Comenity has been sending emails which unfortunately I can not pick up when I am out of the country. Still the last email was XX/XX/XXXX and since I am home at present, when I use the link to attempt payment manually I still can not get this resolved and now I am being harassed by a collection agent for Comenity Bank. How can a flex payment go to collections when there is available balance on the account?
03/12/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NY
14075
Web
Older American
In XX/XX/2019, I opened a XXXX XXXX Mastercard by Comenity Bank. I have used it a total of 3 times. I paid for the first 2 charges as soon as I received a bill. I tried to do this by logging in to their website and entering my information so that I could autopay my bill. I could not get the website to take my information. I called and spoke to a representative gave my information and was told I was all set. When I received my second bill I tried again to pay it online, again I could not get the website to accept my information. I again called the company and spoke to a representative, again I gave all my information and at that time I paid the bill long before it's due date. This month I had no current charges and being an XXXX did not check the bill immediately. When I did check it I found that the last charge was still on the bill along with a late fee and an interest charge. I again called the company and was told that the payment had not gone through so the late fee was justified but " out of the goodness of their hearts '' they waived {$15.00} of the {$27.00} fee. I am never late with payments! My credits score is in the high 700 's. The card in question is currently in my trash in many, many pieces. I paid the bill in total through my bank immediately.
07/06/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
NC
28269
Web
I had know ideal I had this account with XXXX XXXX Whom the sellers are XXXX XXXX. Until I seen it on my credit and a notice of payment. I then contacted XXXX XXXX XXXX XXXX informed me they had turned it over to XXXX XXXX I need to get in contact with XXXX XXXX XXXX I didn't get a good response. I then hired an Attorney made a police report put a freeze on my credit a fraud alert. The Attorney worked very with them conference calls, Documents. A signed affidavit. and more. XXXX XXXX sent me some documents showing what was purchase. I explained to XXXX XXXX, We had rented out rooms to some boarders but I had never seen any of that merchandise. Whoever the person was made payments on the items, I had know ideal what was going on At the time all this was happening I was taking care of my ill husband who died at home. I had know time to do any of these thing. also XXXX ware coming and going, They even told me I need a break but I never left my husband side. Everything he need was being delivered by different drivers. I took very good care of him, until he pasted on. I then stopped allowing boarders to live in our home. I had know time I mean Know time to think about shopping a XXXX XXXX, XXXX XXXX XXXX stop pursuing payment but will not release it off my credit.
04/03/2017
Yes
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
MO
65704
Web
I signed up for an XXXX account and agreed to " free magazines '' for 3 months being told i would be sent a card to cancel if i wished so i would not need to pay after a 3 month trial. I did not receive the card. I paid the dues and ordered XXXX more item then once i paid for my item i realized i was being charged about XXXX-XXXX dollars every month. Since I have n't had to deal with that before i paid until i finally was able to get a friend to explain to me what and why it was happening. So I called and cancelled my XXXX account. Thinking that would take care of it i did not expect another bill the next month from XXXX. So i contacted them again and was told i had to contact the magazine department. I did that and was told I HAD to pay until I demanded to speak to a manager. At that time I was told my subscriptions where canceled and my account was credited and I OWED NOTHING MORE. I received magazines again this last month. This last month I received another bill for about {$50.00}. I just spoke with XXXX and they say it has to be paid because its a late fee. I have been receiving 3-5 calls a day from XXXX Comenity Bank who uses and unavailable number and feel harassed. Canceling all this has been a 5 month process. One company I will NEVER buy from again!
03/08/2021
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
CA
95206
Web
I contacted Comenity bank via a dispute through the credit bureaus in XX/XX/XXXX to alert them of the fact that I had my identity stolen while I was in XXXX and have been unable to open credit accounts in my name which is a stipulation of my release from federal XXXX. They did nothing but determined that I was responsible for those accounts. I followed that up with more information which was a police report, an identity theft affidavit from the FTC and all identifying information along with a letter requesting to have the accounts reinvestagated. I spoke to XXXXXXXX XXXX account protection case investigations representative on XX/XX/XXXX and she advised me that even though they recieved the documents mentioned above they have still determined that I am responsible for the accounts. Even after I explaind that I was in XXXX for 3 years followed by a XXXX XXXX for a year and XXXX for 5 years after the fact. I can't open any new lines of credit without prior consent from the United States Federal XXXX department. They refuse to remove and stop reporting this fraudulent information from my credit reports. I want this fraudulent negative information removed from my reports.
Comenity bank is a horrible bank.
The store cards in question are for wayfair and XXXX.
01/23/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
OH
45424
Web
On XX/XX/2019 I purchased an engagement ring from XXXX XXXX in the amount of {$2000.00}.
I specifically chose this jeweler because of the 12 months same as cash promotion I qualified for. The financing is being serviced by Comenity.
When I received my second statement, there are interest charges on the statement in the amount of {$40.00}.
I contacted Comenity in writing as specified on the statement if you had a fee or finance question.
I explained in my email via their web site that this was incorrect, I was on a 12 months same as cash promotion. Comenity responded by advising they were sorry if I was confused, but they had no promotional information and then they went on to tell me how interest charges are calculated.
I contacted XXXX XXXX where I purchased the ring and their response was to try calling Comenity and talking to them????
I have paperwork showing the 12 months same as cash along with the monthly payment that I would need to make in order to payoff in the 12 months that the sales manager calculated for me in the store.
Neither business is addressing the problem.
I feel like this was a total bait and switch scam and that I have been deceived.
I have asked for management return calls from both companies and have yet to receive anything.
01/14/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
MD
21244
Web
In accordance to federal law, I XXXX XXXX am the original creditor, I am a consumer 15 USC 1692 a ( 3 ), a natural person and a debt is defined as any obligation or alleged obligation of a consumer to pay 15 USC 1692 a ( 5 ), based on federal law, a loan is a consumer credit transaction and banks can not extend credit Bowne v Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20, CT 1024,176 US 682,44 LED 637. I continue to get harassed and have my reputation damaged by Commenity bank 's continuous reporting of the alleged debt on my experian credit report, which an exhibit. My social security number was used to extend credit to Commenity Bank in a private consumer credit transaction, security interest was signed over. Federal law says only a person can extend credit in order for you to be granted something you have to get it from somewhere. In order for a person to be a creditor, they have to be granted the right, but an original creditor does the granting. 15 USC 1692 g. You are accusing me of owing this alleged debt but according to this federal law, and based on the exhibits I have provided you owe me {$20000.00} in violations of federally protected consumer protection rights under the FDCPA. This is my final correspondence before litigation.
08/03/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
NY
12197
Web
Servicemember
My family went on a Debt Management Plan in XXXX due to an unforeseen occurrence in our income. We were being responsible, and not default on our debts. We notified all of our creditors of this switch and that our payment may be delayed while going on the plan, as we paid XXXX XXXX XXXX and they paid the creditors. All of our creditors agreed. We had around 20 total credit cards.
Some of the Comenity Bank & a XXXX credit card are showing as payment late. Some are due to the Debt Management Plan payment not being adjust even though they were agreed to, and are paid on time as agreed every month. We have never missed a single payment.
1 ) Comenity Bank XXXX XXXX Card-Marked as Late-Paid as Agreed 2 ) Comenity Bank XXXX Card-Marked as Late-Paid as Agreed 3 ) XXXXXXXX XXXXXXXX Card XXXX-Marked as Late-Paid as Agreed 4 ) XXXX XXXX XXXX Marked as Late-Paid as Agreed We have had all of these cards for over a year and have never paid late. I spoke with the credit bureas direct, who advised me of my rights to challenge the incorrect reporting and demand verifiable information. After researching this, I followed up with these letters.
As of XX/XX/31 XXXX is reporting verified as accurate on my credit report when in fact the information is not accurate at all.
02/17/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
FL
33626
Web
I purchased my dog on XX/XX/XXXX from XXXX Bank since then I have been paying my monthly statements on time and in full. As of yesterday, XX/XX/XXXX I received a credit monitoring alert stating I was over my credit limit by {$260.00} with above creditor and reported to XXXX. My credit plunged by XXXX points. I immediately called the creditor and they advised I was on a " promotion plan '' and if the account was not paid in full by XX/XX/XXXX I would be charged additional interest. They increased my account from {$4700.00} to now {$6500.00}. There was a small box stating my plan would expire and be charged if not paid in full. I was unaware of any of these charges and how what the amount would be. When I called yesterday the Agent said there was nothing they could do since it was on my statement.
I called in XXXX about this little box and the Agent advised I would be charged an additional max of {$70.00} to XXXX per month. NOT total interest for a year of {$1800.00}.
As a consumer I feel this should have been explained to me back in XXXX or XXXX so I could have other options. I paid the {$260.00} today, although not due until XX/XX/XXXX.
I feel a detailed letter should have been sent prior to the creditor reporting my account over the limit. Unjustified.
09/03/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
VA
20148
Web
I opened a credit card account with Comenity Bank/Wayfair in XX/XX/XXXX. I am experiencing an issue getting a payment applied to my account balance, getting Comenity to acknowledge the payment, and Comenity 's failure to provide access to 24 months of statements as stated on their website.
My payments are due on the XXXX of each month. On XX/XX/XXXX, a payment for XXXX 's bill was sent to Comenity bank in the amount of {$540.00}. They received it on XX/XX/XXXX. That payment, which was above the minimum payment amount, has not been credited to my balance as of XXXX XX/XX/XXXX. In order to avoid being late, I had to make an additional payment of {$67.00} on XX/XX/XXXX because Comenity Bank failed to credit my first payment.
I have received conflicting statements from Comenity 's customer service representatives. Some believe it should have posted already while others state " it could take awhile ''. Meanwhile, Comenity bank is benefitting from charging me interest on the higher balance.
Further, when viewing statements online, Comenity bank states that customers can view up to 24 months of statements online, however, they do not provide customers with the option to view statements prior to XXXX. Comenity bank has not provided access to XXXX statements.
10/09/2018
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MD
21128
Web
I purchased 3 items online at XXXX and used a combination of gift cards, my XXXX XXXX credit card and XXXX XXXX credit card rewards certificate to pay for them.
I returned 1 of the 3 items and XXXX XXXX has not refunded me for the purchase price. My XXXX XXXX order number XXXX.
SKU : XXXX QTY 2 @ {$230.00} each ( Returned 1, kept 1 ) SKU : XXXX QTY 1 @ {$150.00} each ( Kept 1 ) They owe me a refund for {$230.00} for the return but have only refunded me {$130.00}. I filed a dispute with XXXX XXXX ( The XXXX credit card bank ) and they have denied my claim.
Now they say I still owe them {$100.00} but they owe me {$96.00}. The finance charge of {$4.00} should be refunded as well because I paid the full balance of the products that I kept.
It has taken over a dozen phone calls to XXXX XXXX customer service and XXXX customer service to just get the {$130.00} returned. Originally, they only returned {$50.00} to me.
This seems like fraud to me and is a shame that this whole ordeal happened as I did not want to order 2 of them in the first place. Shortly after I ordered it online I called and tried to change the order and they said they could not and I had to send back to get a refund. This is the worst experience I have ever had with a retail store.
10/05/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
ME
04243
Web
Firstly, today I received an email from XXXX XXXX regarding my XXXX XXXX XXXX stating that my XXXX account would be closed effect XXXX XXXX. However, in my last billing cycle I was billed {$140.00} for an annual fee for which I will not receive any benefits for considering this account will be closed in a few months. The email received makes no mention to returning fees for service not provided. Furthermore, since being billed my annual fee I have not received any benefits as they have sent in past years.
Secondly, when I first obtained this credit cards a few years back, I was charged for baggage fee while flying on XXXX XXXX which should have been credited back to my account as promised but never done so. I would also like this to be looked into, please.
And lastly, I purchased a pet carrier from the XXXX XXXX XXXX XXXX check in counter for {$50.00} to transport my dog from XXXX XXXX to XXXX in XXXX XXXX. I also paid {$100.00} to transport her. Upon being on the plane I noticed the handle was defective. I filed an online complaint through XXXX XXXX and they stated that they could not do anything, but instead, would have to take the matter up with the XXXX XXXX counter at which I purchased the carrier. However, I live in Maine, and can not do this.
12/01/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
MD
21244
Web
I recently obtained copies of my credit report and noticed inaccurate account reporting. An alleged debt is being furnished on my credit report which is a violation of 15 USC 1692 b ( 2 ), because it being furnished would mean that I owe the alleged debt but you are not authorized to claim I owe anything and this reporting on my credit report, this is also advertising to coerce payment which is illegal.
In addition, banks can not loan money or extend credit 15 USC 1692a, banks are borrowers and I am the original creditor. 15 USC 1602, defines the term " Credit card '' which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property.
I am the original creditor, 15 USC 1692 a ( 3 ) and am invoking my cease and desist rights, according to the Fair Debt Practices Act, 15 USC 1692a, there is no definition for the term '' loan ''. Also banks can not lend money, nor extend credit. A bank has no power to lend its credit to any person or corporation " Bowen v Needles Nat Bank, 94 F 925, 36 CCA 553, certiorari denied in 20, Ct 1024, 176 US 682,44 LED 637.
I am requesting Wayfair Inc to cease and desist all communications, payment be submitted to me for all violations per 15 USC 1692 k listed in the attached.
09/17/2020
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
MA
01835
Web
Bank name is shown but could also be found under : XXXX XXXX Credit Card I accessed XXXX XXXX XXXX website to make school uniform purchase for my child. As I checked out I was presented with option to apply for XXXX XXXX XXXX credit card and receive 50 % off today 's purchase. My purchase total was {$170.00}. Due to the sizable discount offered, I applied for the card. I was approved for {$4000.00} limit with {$650.00} available for immediate use. Screen prompted me to apply card to today 's purchase. I selected yes. Once I did, screen closed and new card was not applied to purchase.
I had received email that account was opened and XXXX number to call for service. I called and they were unable to resolve, providing me either the card details or code to use for 50 % discount. I was told I could wait two weeks to receive card and then place order. This is shady and bait and switch.
I requested the company remove the credit card hard inquiry and card itself from my credit report due to the tactics. I demanded a letter detailing both of these items be done and am not confident I will be receiving or that they will do as I requested. I fear they will only be closing the account. I spoke to three different people, each who i had to relay the situation to.
09/05/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
AZ
85018
Web
XXXX to present 2018 : Comenity bank has been harassing me daily. They use different phone numbers ( auto dialing ) and unknown numbers. I am to the point of having to change my number. They have been calling me multiple times a day almost getting me into car accidents because I spend a lot of time in my car. They have threatened to ruin my credit. They have left my personal information over my sibling 's voicemail regarding debt and threatening me on sibling 's voicemail. I called them and told them I was going to sue them because they released personal information about me and violated the banking privacy act. The woman on the phone told me that they " use different tactics to reach people '', I took this as them admitting they harass people and call people who are not involved and release private information. I want them held accountable for their actions. Based on research this is a common problem with Comenity Bank. They are violating banking policies and regulations. Giving out personal information to an unauthorized person is illegal. They said my sibling 's number was on file and I would NEVER put her number down as a back up number. I will be contacting the FTC as well. This financial institution should be fined. I am looking to file a lawsuit.
07/29/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
95358
Web
Servicemember
XX/XX/XXXX paid off card XXXX paid in full on web site. No past due balance paid off early. Found out in XXXX I had a past due balance because on XX/XX/XXXX they charged me a finance charge on my XXXX balance of XXXX and then on XX/XX/XXXX a late fee of XXXX on that XXXX finance charge then on XX/XX/XXXX a XXXX minimum interest charge.
In XXXX I called and requested the card be closed and even though I did not feel I owed it I paid the XXXX and was told no other charges would be assessed. Today XX/XX/XXXX I noticed the account still open and a charge XX/XX/XXXX for XXXX minimum interest, XX/XX/XXXX XXXX late fee and XX/XX/XXXX XXXX minimum interest charges.
I called and was told the account was not closed and the person offered to refund the fees ONLY if I left the account open./ He also could not guarantee I would not get fees next month even with the account closure and the fees gone. He said I would still have a balance next month. I asked to speak to a manager and I was put on a silent hold for 40 minutes until the call disconnected. I called the fraud department who refused to open a case to investigate but said they would credit the {$6.00}.
No resolution- according to the fees I will never have a XXXX balance. They are shady and dishonest.
07/28/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
IL
60634
Web
I have a Wayfair Account for the last several years. In the interim, they closed my account without issuing a notice because they are now using a different bank for credit.
Since my account was closed without notification, I did not want my credit score to suffer therefor, I made aggressive payments to pay the account off and made a final payment of {$290.00} to Wayfair on XX/XX/XXXX. ( or so I thought ).
I recieved a statement in XXXX advising I had a Finance charge. I attempted to get it reversed via email at least twice, however, I had no success and paid {$13.00} on XX/XX/XXXX. Again to attempt to pay the account in full.
Today, I received yet another statement from Wayfair stating that I owe another {$15.00}. When I attempted to call, I was prompted by an automatic operator, only to be disconnected after 5 minutes of waiting and attempting to get assistance.
I am absolutely livid!
This is not a matter of money but rather of principal as I believe this is a scam with bad business practices.
I don't want my credit score to suffer, however, the thought of having to give another {$15.00} to this bank makes my skin crawl. I believe these are fraudulent and unfair finance charges and I would like this removed from my account. Please help me.
01/18/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NY
11379
Web
I originally reached out to XXXX XXXX on XX/XX/XXXX, to try and rectify this situation and unfortunately I have been unsuccessful. I happened to run my credit report in the beginning of XX/XX/XXXX and noticed that XXXX XXXX reported to the credit bureau that I was late for the month of XX/XX/XXXX. But this information is totally incorrect! I purchased a piece of jewelry on XX/XX/XXXX and I returned it ten days later on XX/XX/XXXX. As you will see in the statements from XXXX XXXX, even though I returned the jewelry there was still a balance on my account for {$0.00} on the XX/XX/XXXX statement, which I can't seem to understand why. The item was returned and it should have brought my balance to XXXX. That {$0.00} over five months turned into {$27.00} and forced XXXX XXXX to report a late payment to the credit bureau for the month of XX/XX/XXXX. Please be advised that I called XXXX XXXX and they were unable to provide me with a statement for XX/XX/XXXX. They stated that they don't generate statements when the account has a XXXX balance. But as you will see in the documentation they went ahead and XXXX out my account somewhere between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is being very unfair. This situation is cut and dry and shouldn't even be an issue.
07/22/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MA
01984
Web
Older American
I opened XXXX account with Comenity Capital Bank for XXXX Mastercard in XX/XX/XXXX, made one charge that month and paid balance in full the following month in XX/XX/XXXX. I've not used it since, and never received a card or statement.
I've tried to close this card ; and instead am now g dunned for {$160.00} in fees for XX/XX/XXXX, which I was never billed.
Comenity claims it sent me an annual fee bill for {$55.00} in XX/XX/XXXX, which I have never received. Comenity never sent me a bill, claiming it was emailed to me. They then claim this is now {$160.00} due to late fees. I never received any such original or subsequent bills. Checking with my service provider I've not received any bill by email ( not in trash, junk or other folder ).
I asked them to close my account, which they say they'd already done ; but that the will not adjust a closed account. The supervisor XXXX in Customer Care ( # XXXX ) would also not adjust the account.
I'm sending them the {$55.00} original annual fee, even though I didn't want the card in the first place. This kind of usurious behavior should be prohibited. Please put this in your Comenity Capital Bank file -- I'm sure there are many others with this same complaint!
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX
04/14/2020
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Sent card you never applied for
FL
32210
Web
On XX/XX/2020, I received acknowledgement of the closure of a West Elm-branded Credit card from Comenity Bank ( account number ending in XXXX ). The current balance of the card, according to the letter, was - {$1000.00}. This was the second of 2 credit cards my husband and I had closed with West Elm after purchasing a {$6000.00} couch from them. We opted to take advantage of special pricing when purchasing the couch if we opened credit cards with them to finance the couch. We payed off the credit card shortly after purchasing the couch. Due to a malfunction in the couch, West Elm offered us a {$1000.00} credit for the portion of the couch that was not working correctly. We asked that they make that out to us in a check as we were closing out the credit card. Shortly after that, they opened a new credit card account and put a charge of {$1000.00} on the account and started sending us bills. We did not request this new credit card account. I have asked for evidence of the opening documents for it and am being denied access to them ( which I am sure means they don't exist which is a violation of the FCRA ). This account was opened fraudulently and I would like to see it closed, all evidence of it removed from my credit report and all balances XXXX out.
03/02/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
WA
98034
Web
I have the XXXX credit card and have been enrolled in automatic payments as far back as XXXX which posts as {$29.00} on the first of the month on my statements. I decided to check in on it a few days ago to find that the automatic payments were still enrolled but that the payments are not posting and that I have accrued two sets of late fees. I figured this was the site malfunctioning and that I'd accept the {$68.00} worth of late fees ( {$40.00} late fee on XX/XX/21 and {$28.00} on XX/XX/21 ) and make double sure that both automatic payments was on by resigning up for it on Saturday before due date and that it is connected to my correct and functioning bank account. I attempted to place a one-time payment to completely pay off my balance ( {$380.00} on XX/XX/21 ) but again the payment did not post for either. If I assume I forgot to hit the second confirmation on the one-time payment, my automatic payment should have covered the minimum due. I am now late for this pay period and will be given a larger fine. Customer service does not connect me to real people, and is not structured appropriately for dealing with disputes. I would like to be done with this card, but I must first pay off the balance that is destroying my credit and accruing late fees.
08/02/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
TN
37415
Web
I bought an engagement ring from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. At that time, I took advantage of the 18 month interest free payment plan they had offered me. XXXX used Comenity Bank as their credit provider. Comenity set the monthly payments at {$240.00} per month without my input. I understood that this amount was setup to pay off the balance in full in 18 months. Additionally, Comenity setup up the payment dates of the XXXX of each month without my input. My final payment of {$180.00} was setup to be paid on XX/XX/XXXX. The interest accrued in full per the payment plan that Comentiy setup on XX/XX/XXXX. Community could have set them at $ XXXX monthly and I would not have fallen short on my final automated payment of {$180.00} by less than two weeks. I was not able to access my account online after trying several times over several months, I had to finally call their customer service to resolve my account access issues. The customer service rep I talked with said this was a problem for many of their customers and that I just needed to call in to reset the account to get access. Meanwhile I had no access to my account and therefore did not know that my last payment was due XX/XX/XXXX NOT on the automated final payment date of XX/XX/XXXX.
06/09/2019
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
GA
30310
Web
This is a continue complaint on Comenity Bank in relation to the XXXX XXXX XXXX store credit card.
The first complaint-XXXX-XXXX in which Comenity Bank made the adjustments and resolved the issue. On a later complaint-XXXX-XXXX, Comenity Bank is now stating the charges were reinstated on my account because I requested a stop payment with my bank. This is not the case. Firstly, I contacted my bank and in speaking with a representative, they indicated it is not their policy to provide information of a customer 's account activity to a third party. Secondly, my bank is showing no history of a stop payment or request on my account. If there was a stop payment request with activity a stop payment fee would have accompany with the activity. I did request my bank to do an investigation of Comenity Bank and their activity related to the charges. Thirdly, Comenity Bank stated in their previous response to the complaint investigation the XXXX XXXX store credit card account was closed with no charges and reporting on time payments to all three credit bureaus. Comenity Bank has since made the decision to reopen the account and assign charges, with late fees, and reporting negatively to all three credit bureaus which is affecting my credit scores tremendously.
07/15/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MI
48168
Web
XXXX Statements Closing Date XX/XX/XXXX & XX/XX/XXXX - paid in full received by XXXX on XX/XX/XXXX {$19.00} & XX/XX/XXXX {$19.00} - these payments are full payment of my balance with supporting XXXX Statements They continuously sending me a statement every month charging Late Fees on top of late fees after I paid it in full ; the last Statement I have is " Statement Closing Date '' XX/XX/XXXX.
XX/XX/XXXX - XX/XX/XXXX - Disputed my accounts by telephone and online correspondence with XXXX.
XX/XX/XXXX - Wrote a Certified Letter to XXXX with supporting XXXX Statements - NO RESPONSE from XXXX XX/XX/XXXX - I received the Certified Return Receipt stamped received by XXXX.
XX/XX/XXXX - Received a letter from XXXX/XXXX - my account was closed and charged-off and they sold my account to XXXX XXXX, XXXX aka XXXX XXXX XXXX , XXXX ( XXXX ) XX/XX/XXXX - Wrote a Certified Letter to XXXX XXXX/XXXX XX/XX/XXXX - Received a response from XXXX XXXX/XXXX claiming the information provided by the previous creditor ( XXXX/XXXX ) was correct.
XX/XX/XXXX - Disputed this issue with the 3 Credit Bureaus.
XX/XX/XXXX - Received a response from XXXX stated : XXXX XXXX/XXXX balance is correct and XXXX investigation is complete.
XX/XX/XXXX - Submit this complaint to CFPB
05/23/2018
Yes
Checking or savings account
Other banking product or service
Opening an account
Account opened as a result of fraud
FL
32708
Web
Older American
On XX/XX/XXXX Pay Pal sent myself a letter to my address on record that a fraudulent account that was opened fraudulently on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX reference # XXXX with a fraudulent email where the thief rack up {$710.00}. The institution has never asked for any identification to verify that I was the correct person applying for credit violation of the banking laws in american banking and finance industry.. NOW 7 YEARS LATER THE SAME INSTITUTION SENDS ME A LETTER THAT THE BANK IS TRANSFERRING BANKS WITH THE SAME ACCOUNT THAT IS FRAUDULENT WHICH TELLS ME THEY NEVER CANCELLED THAT FRAUDULENT ACCOUNT ALSO NEVER SENT THE REQUIRE DOCUMENTS THAT THAT ACCOUNT WAS CLOSED ALONG WITH THE ADDRESS WHERE THE ACCOUNT ORIGINALLY TAKEN FROM AND WHO DID THE CRIME. AMERICA HAS LAWS AND PROCEDURES TO DO BANKING AND IT LOOKS AS IF THIS BILL ME LATER COMPANY HAS NO REGARD AS TO MY FRAUD ALERT ON ALL 3 CREDIT BUREAUS AND PROCEDURES TO HOW TO HANDLE FRAUDULENT ACCOUNTS THRU OUT THE USA. THIS IS A GROSS VIOLATION OF BANKING AND FINANCE LAWS TO IGNORE FRAUDULENT ACTIVITY WITH APPLICATION THAT A THIEF USED MY PERSONAL ID FOR FRAUDULENT ACTIVITY THIS IS THE 8TH TIME WHICH I BELIEVE ITS THE SAME INDIVIDUAL THAT ALSO TRIED TO STEAL MY TAX RETURN IN XXXX TAX YEAR.
05/14/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
WY
82834
Web
I opened a account with wayfair/Comenty bank, ( Comenity bank XXXX XXXX XXXX XXXX, Ohio XXXX ) they are the ones who turned this in to the credit agencies XX/XX/XXXX I had a PERFECT payment record until XX/XX/XXXX, towards the end of XX/XX/XXXX my Father was diagnosed with terminal XXXX XXXX I live in Wyoming I Immediately flew back to Indiana to be with my family he had a emergency Operation around the first of XX/XX/XXXX it didn't go good he died a couple weeks later on XX/XX/XXXX this was a Very traumatic event I can send death Certificate if necessary it was during this time for the first time EVER I was late when I got back to Wyoming the XXXX of XXXX and immediately made my payment now is when my problem begins Comenity bank turned this into the credit reporting agency 's didn't know this unit sometime later when trying to acquire loan I contacted Comenity bank trying to explain my situation that's when the problem started they have lost my account, Number XXXX comenity bank/ Wayfair were in the process of parting ways I was cought in the middle I contacted both comenity and wayfair they have no account information I have been going through a credit repair program but this bad report is still on my XXXX report I need it removed Please help me
02/18/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OK
73538
Web
Servicemember
Opened XXXX Credit Card in XX/XX/XXXX. Rec 'd statement {$420.00} XX/XX/XXXX with due date XX/XX/XXXX. Paid on-line via XXXX XXXX, in which a XXXX send a check Tues XX/XX/XXXX which was delivered on my requested date of Fri XX/XX/XXXX in the amount of {$420.00} ; however, XXXX choose not to cash the check until XX/XX/XXXX.
On XX/XX/XXXX I called XXXX after receiving a statement for {$450.00} ( {$25.00} late fee and {$9.00} Interest charge plus the {$420.00} ), unable to access a customer rep I closed the acct. On XX/XX/XXXX I called Customer Service XXXX and explained to 6 different customer reps ( in which 3 times the reps hung up on me ). That my payment was made timely and I should not be liable if they failed to cash the check and post to my account. I was informed that since the acct was closed I had to made the payment, when questioning how they could credit my account if it was closed they couldn't answer only that the payment had to be made regardless. I have contacted XXXX and was told a check was sent XX/XX/XXXX and I printed payment details reflecting payment delivered Friday XX/XX/XXXX. I pay all my bills on-line ( credit cards, util, etc and never had any late fees. I plan to the {$34.00} late fees however, I wanted to be reimbursed.
12/27/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
OH
44011
Web
Older American
I opened an account with XXXX XXXX ( XXXX XXXX XXXX ) through a promotional offer at the XXXX XXXX location in XXXX Ohio on XXXX/XXXX/XXXX. I received the statement and the balance of {$48.00} was paid and left my bank electronically on XXXX/XXXX/XXXX, within 19 days of the initial charge. On XXXX/XXXX/XXXX I was charged a late fee and on XXXX/XXXX/XXXX a min fee was charged of {$2.00} before the payment was applied that same day. I called on XXXX/XXXX/XXXX and requested to have the account closed. I felt I should not have had a statement until XXXX and the fees were excessive and unfair lending practices. I received another statement this month and now the balance has increased to {$60.00} all late fees and min fee charges with no indications on the statement that the account is closed. I called again and was told the first statement was generated on XXXX/XXXX/XXXX, 1 day after the account was opened and the initial charge because the account was opened in the middle of a statement cycle which was XXXX/XXXX/XXXX This delayed the statement reaching me via mail. The statements are generated on the XXXX of each month but do not reach you until later in the month. I feel these are unfair lending practices and fall into the predatory lending category.
10/20/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
28208
Web
First, this is a closed account and have been closed for years.
I paid the full balance off onXX/XX/XXXX w/ a transaction date of XX/XX/2020 This paid the full balance according to their system. There was no mention of a late charge on this day. If my transaction was not effective until XX/XX/2020 there should have been a late charge already included in my balance. Per the credit card statement I received it stated the late charge was placed onXX/XX/2020 for {$25.00} w/ an interest fee of {$2.00} which bring the total to {$27.00} all interest and fees. Also according to my statement it states I have a transaction date of XX/XX/2020. I called and spoke with Account Specialist Manager XX/XX/XXXXemployee id XXXX and XXXX ( customer service rep ). I ask the specialist to waive these charges as they can clearly see this account was paid off and the charge was placed a day before. He stated he can't waive this fee. I advised him, he can but choose not to. I definitely feel during these difficult times for anyone to pay off a loan is a plus. I am being charge a fee with an interest charge for no balance. This is totally unfair lending and I want to know how many late fees Comenity have waived for other customers? This is an example of unfair practices.
10/05/2018
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with customer service
MD
21117
Web
Older American
I tried several times to purchase a sofa from XXXX XXXX but could not get customer service to handle my problems properly. When I did successfully purchase a sofa it came with the wrong fabric and flawed pillows. I returned it. A representative gave me a discount towards another sofa but I still had problem with getting accurate information from customer service and inadvertently lost my discount and had to pay an addition {$500.00} for my purchase.
They kept giving me just a little information at a time. I thought they knew how things worked and would provide me accurate information to complete my order. For the same sofa I was billed for 22 yards of fabric then 29 yards which came to more than {$300.00} additional dollars. Each time I called to discuss my purchased the solution was cancel the order, but I lost my 30 % discount had to pay the shipping cost. They would not honor it on my new order which was the solution given to address the problem I was having. If they had let me know the most of the fabric would cost over {$1000.00} I would have kept the order which I got the same sofa with the same fabric less 30 % discount and discount on shipping cost. Instead of paying {$2400.00} I am charged {$3100.00}. I want my discounts returned to me.
01/27/2017
Yes
Credit card
Identity theft / Fraud / Embezzlement
FL
34114
Web
Pay Pal Credit issued a fraudulent credit card in my name that experienced more than {$1500.00} in charges, yet I only learned this after seeing their ( fraudulent ) Credit Inquiry on my XXXX Credit Report. The Consumer Financial Protection Bureau ( CFPB ) facilitated my request last year ( case number ending in XXXX ) that fraud be acknowledged, the account closed, and the XXXX inquiry be removed.
Although Pay Pal Credit and their legal counsel mailed letters to my home with a promise to remove the Credit Inquiry, they failed to do this. Credit Reports have been pulled twice and XXXX insists Pay Pal Credit must submit a request directly to them. Pay Pal will not provide written evidence to me, nor resubmit their electronic request to XXXX. Instead, they insist I file " another official complaint '' to a XXXX address.
I did not initiate a request for credit with them and am uncertain of information originally used to commit the fraud.I find it unreasonable to ask someone with no prior established-business relationship to submit sensitive personal information ( such as SS # and date of birth ) to a XXXX XXXX.
Instead, I am again requesting CFPB assist in the removal of their fraudulent Credit Inquiry, negatively affecting my XXXX credit score.
12/08/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
MO
64113
Web
Older American
I have talked with the credit card company several times. The credit card company is Comenity Capital Bank and they represent XXXX XXXX XXXX retail establishment. They are charging deferred interest on the account when it has been paid in full due to them not considering that part of an order was returned and they are not accurately reflecting that in determining if the account is current and paid. We also had the account on AutoPay to make sure that all payments would be on-time. As such they are now applying deferred interest at the rate of 29.99 % and continuing to charge that when the account has been paid in full.
I have tried through their dispute resolution process and they basically say " XXXX you ... we can legally charge you that and we don't care ''. I have notified XXXX XXXX XXXX that I will no longer shop at their stores and have also notified each credit reporting agency about what they are doing and disputing the balance due. I have also notified our attorneys and are prepared to go to court if necessary and am willing to spend what is necessary to challenge this abusive, unethical, greedy behavior by a bank who borrows money at 2 % and is trying to steal my money charging 29.9 % interest when I have a credit score over XXXX!.
10/22/2019
Yes
Checking or savings account
Savings account
Opening an account
Account opened as a result of fraud
MA
02127
Web
On XX/XX/19 I filled out an on-line application with Comenity Direct Bank to open a high interest savings account. I entered my name and social security number and sent copies of my license and health insurance cards for ID. I wanted to move {$250000.00} from my joint savings account at XXXX XXXX XXXX XXXX to this high yield savings account. Due to a problem with the Comenity computer system the account was opened in my husband 's name. I never entered his information or his SS number on the application. I called their customer service number on 4 occasions and have been unable to fix this problem. They told me no funds would be transferred until the situation could be corrected but the funds were taken from my account on XX/XX/19.
I explained that opening up an account in a name without any corresponding back-up documentation is fraud but they to not seem to care. Unfortunately the account is earning interest and I will receive a tax statement with my husband 's name and my social security number. The company is unable to send me a copy of the original application and said they do not have access to this information. This would prove that the account was opened incorrectly by their institution but they will not provide it to me or my husband.
11/10/2017
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
MN
55016
Web
I had opened a XXXX account when in a Chapter XXXX bankruptcy in XXXX 2017 I had to convert to a Chapter XXXX by no choice of mine but due to a mortgage company not being able to do a modification. I understood that while I was going through the chapter XXXX the accounts would be frozen from charges but not from making payments. so I continued to make the payments. I was then told in XXXX to send over discharge to evidence none of the accounts were included in the bankruptcy. which I did and was able to use account and even received credit line increases. I went to go make a payment on the XXXX account and was told it was sent to collections because of the bankruptcy conversion. when I called to discuss and explain to them that they had requested I fax over the discharge paper in XXXX to open the accounts again I was told all my accounts would have to be closed due to conversion. Why ask me for discharge to evidence that the accounts were not included if you were going to close the account. I have used the account since bankruptcy and it was 10 months ago so why such a lag? I feel the accounts should be open and be able to be used as I have been making the payments on them since conversion and some of the accounts were paid off during that time.
07/29/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
NY
10950
Web
I have reported to Comenity Bank / Alliance Data over 2 months ago a dispute in reference to several invalid transaction that Im owed credit by the merchant. I have provided all relevant supporting documents along with a letter from my attorney with Confirmation from Visa USA concerning the time frame set by Visa. Unfortunately, while Comenity has indeed given me a temporary credit on these 3 transactions, they have not resolved these disputes and as reported to me they havent even began the 1st step of permanently recovering these funds. As outlined by my attorney in the documents submitted to Comenity Bank, Per Visa USA, Comenity only has 120 days from the date of the credit documentation to submit a proper dispute. These 120 days run out on XX/XX/XXXX. Comenitys negligence is unacceptable. They have no right or business to sleep on this file for 60 days and do nothing.
- this was also reported to Comenity, but at the time, Comenity wrongly assumed they were already credited on XX/XX/XXXX and they did not notice that these credits were reversed the next day on XX/XX/XXXX. several months ago a was finally able to obtain a pledge for credit from the merchant, only to fall pray for Comenity to sleep on the file for a few months and do nothing.
11/13/2017
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
LA
70809
Web
I have been awaiting my credit of {$220.00} since XXXX of last year when I was instructed by the XXXX customer service department to return all my unworn items by the day of XXXX XXXX, XXXX. I returned the items well before the due date and before the XXXX, XXXX filed for chapter XXXX bankruptcy and closed its doors to all customers. Since the very beginning of this year, I have been in a constant battle with Comenity Bank, which is the bank affiliated with The XXXX and have never received my credit but was required to pay for my entire XXXX Credit card in full! including the items that I no longer possed and requested to ship back in late XXXX when I realized the clothing did not fit. I am furious with this company and have been told that because they are now opening as the XXXX XXXX, the XXXX XXXX and any issues or disputes concerning them or my account will not and can not be resolved. I think it is utterly ridiculous for the company to expect anyone to pay for something they do not own especially when I was told repeatedly that I would eventually see the credit on my statement after returning the items. This dispute has been going on nearly a year now, I have placed hundreds of phone calls and sent countless emails without any resolutions.
01/18/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
FL
32507
Web
Servicemember
On XX/XX/2021 Comenity Capital Bank mailed a letter to my home address closing my account " based upon information you provided during our recent phone conversation. '' This phone conversation occurred on XX/XX/2021 when I called the number on my credit card to determine why I received a declination on a charge of {$70.00} when my account had a zero balance and plenty of available credit. The representative stated that there was " suspicious '' activity on my account which I responded was ridiculous since I had recently paid the account off. After several more minutes of my time being wasted, I was told that I needed to answer financial questions in order to use my account. I was not able to provide the information to the first question because I was driving and not at home with my financial documents. I told the representative that I would call back when I was not driving and could obtain the needed answers. The following day the letter was mailed and my account closed. It seems to be retaliation for paying off my account and changing my email address. They did not even provide a number to call to dispute their action. My credit score has since been decreased due to their closure of my account and the loss of the available credit of the card.
11/28/2018
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
VA
20170
Web
Servicemember
Consumer and XXXX XXXX XXXX were involved in an ongoing dispute regarding the underlying credit card account. In or around XX/XX/2018, consumer and XXXX XXXX XXXX engaged in settlement negotiations to resolve the dispute. In a letter dated XX/XX/2018, consumer agreed to settle the dispute. On XX/XX/2018, XXXX XXXX XXXX confirmed the settlement agreement and accepted the agreed-upon settlement amount noted satisfaction in full. Between XX/XX/2018 and XX/XX/2018, consumer heard nothing more from XXXX XXXX XXXX and XXXX XXXX XXXX sent no further correspondence of any kind. Moreover, no more collection efforts were evident.
XXXX XXXX XXXX sent consumer a letter dated XX/XX/2018 indicating that the debt had been " charged off '' on XX/XX/2018 and sold to another company called XXXX XXXX XXXX XXXX. Despite the settlement agreement, XXXX XXXX XXXX continues to report the matter negatively to the credit bureaus. Consumer contacted XXXX XXXX XXXX to honor the agreement, which required that the matter be reported as settled in full/ satisifaction in full. XXXX XXXX XXXX did not respond and instead continued to report the matter negatively.
Documentation, to include settlement correspondence and a deposited check, verifies the settlement agreement.
04/28/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
PA
19465
Web
From : YouSent : Friday, XX/XX/2018 XXXX XXXX ( ET ) To : XXXX XXXXSubject : FraudMessage ID:XXXX I am writing to let you know that I have reported you to the Consumer Financial Protection Bureau for fraud and usury. You have kept the finance charges lingering on the old balance on my account now for more almost 2 years. I know I have paid that balance off twice over but you still keep it there for whatever reason. I have spoken to your representatives on several occasions where they have stated that once that balance is gone that finance charge will go away. Now all of a sudden its on there until the entire balance is paid. XXXX XXXX!!! This is fraud plain an simple. I paid {$750.00} in the course of two months there is no way you can tell that that balance shouldn't be gone by now. I want it gone NOW! I am also going to call an attorney to see how many other customers are being ripped off by this " finance '' charge.
This is the 3rd time I have reached out to them for this same issue. I have been told on two previous occasions that once that balance was gone the second finance charge would be gone. That is obviously not the case as I was told today - XX/XX/2018 that I now need to pay off the entire balance. I have to believe this is fraud!
07/30/2017
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Credit monitoring or identity theft protection services
Billing dispute for services
FL
32413
Web
I have a merchant credit card with XXXX and Comenity Bank. I signed up for this maybe a year and a half or two years ago. Since then XXXX stopped services with the company. I was told by the local store manager it was because the company they used ( Comenity Bank ) was not treating the customers right and it was adversely affecting business. fast forward to the last 6 months and I begin noticing a trend with how my payments are being processed. I will make said payment and it will not come out for many ( upwards of 6 days ) days if at all. I have money in my account when " the payment fails '' so why is n't it going through? I investigate with Comenity first and they said it was due to lack of funds. I know they are lying obviously so I call my banking institution ( XXXX XXXX XXXX XXXX ). What they told me pretty much takes the cake. XXXX has no history of a payment inquiry coming in from Comenity at all. It is at this point that I realize Comenity bank is manufacturing reasons to jack up my interest rate and charge me extremely high late fee 's. Now they have three different collection agencies calling me at all hours of the day and night harassing me and have reported against me on my credit report. This is very unethical business practices.
01/13/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MI
48423
Web
The XXXX XXXX XXXX XXXX - held by Comenity Bank is out of compliance with the Credit Card Act as they do not deliver my statement allowing me to have 21 days to pay my payment.
Time To Make Payments. -- A creditor may not treat a payment on an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 127 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date..
Every time I send a payment I get a subsequent bill that includes a {$35.00} late charge as they are stating that my payment was late. I am paying my payments on time and I believe there are not applying my payments timely.
I just received my latest bill today - XX/XX/22 with a due date of XX/XX/22. That is only 18 days to the due date.
They have reversed the fees in the past when I call and Im assuming they will again. However, I feel these fees are inappropriately assessed and less diligent consumers may be paying late fees they should not have to. I have several store cards and I am consistently having issues with a late charge on The XXXX XXXX account.
Thank you for researching this issue.
10/14/2021
Yes
Credit card or prepaid card
Store credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
GA
30349
Web
Servicemember
i paid XXXX for a procedure that i did not receive. the incorret procedure was done. i paid for it with XXXX on my chase debit card, XXXX on an XXXX credit card and XXXX on second XXXX card. i put in a dispute for all cards. the card that was charged XXXX was paid in full the one that was charged XXXX still had a balance. the one that was charged XXXX was credited back to the account. the one that was charged XXXX was denied a refund because it was paid in full. i called to ask why one card got refunded and the other did not. i did not receive the service that i paid for and was actually injured by the procedure. when i called the credit card company and they stated to protect the MERCHANT, they could not dispute a charge that was paid in full. i sent them via certified mail, all of the documentation for my claim including medical documentation, my complaints to the Georgia medical board and the XXXX XXXX XXXX. they are refusing to credit my account. so i am basically paying XXXX plus the finance charge, for something that i did not receive. as a consumer i have the right to dispute a charge whether paid in full or not. they also threatened to close my account if i continued to make complaints. this would have an adverse effect on my credit.
02/13/2020
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Credit card company won't increase or decrease your credit limit
MD
21162
Web
Servicemember
I don't know that my problem falls under this exact category.
My complaint is with Comenity Capital Bank - XXXX I was originally issued a credit limit of {$1000.00}. Admittedly, I got behind on payments.
They lowered my credit limit to {$500.00}. I began making payments and got the account on stable footing. Despite consistent payments - {$480.00} between XXXX and XXXX - Comenity reran my credit - an existing customer - and lowered my credit limit In XXXX to just below my balance causing a negative hit to my credit rating as it now appears I am using more credit than I really am.
I complained and was told they would reevaluate monthly.
This week I find they have again lowered my credit limit to just below my balance again unfairly causing a negative impact to my credit score.
They claim it is due to my credit score which from there own letter to me is nearly 100 pts higher than it was in XXXX only 3 mths ago.
This is due to lack of activity on the account and has nothing to do with my credit or payments as I have paid them {$580.00} since XXXX on a card that now has a {$350.00} limit.
This is simply not fair business practice. Why would you rerun credit on an existing customer who is NOT behind in payment? It just doesn't make sense.
03/14/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
AL
36870
Web
**THIS WILL BE MY 4th ATTEMPT TO RESOLVE THIS MATTER, THE INQUIRY IS FRAUDULENT!! ** In the course of recently screening my personal consumer credit report, I observed what obviously appears to be UNAUTHORIZED and or FRAUDULENT credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX, I mailed a Cease and desist, No authorization letter, dated XX/XX/XXXX the letter was detailed with inquiry details : XXXX/XXXX & Inquiry Date XX/XX/XXXX. XXXX XXXX has been negligence in providing any documentation and or documents to validate inquiry. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my consumer credit report on XX/XX/XXXX, which is the specific date alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices.
03/12/2019
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
CT
06604
Web
Servicemember
I lost my wallet on the train and someone found it and stole my identity. I didn't know about the incident for a few months. I didn't really find out what was going on until I started receiving phone calls from XXXX XXXX 's collection agency. I spoke to the collection agency and told them I had no knowledge of the debt and went to the police dept. and filed a report. I also notified the credit bureaus and disputed the items and attached police reports. The credit bureaus placed fraud alerts but did nothing about the accounts that were opened up in my name. I called XXXX XXXX fraud dept today, spoke to a woman named XXXX and asked if they recived the police report about the fraudulent XXXX XXXX acct. that was opened in my name. The woman proceeded to tell me that XXXX XXXX fraud investigation decided that the acct. wasn't fraudulent because I took too long to report it. She also stated that a police report means nothing because anyone could file a police report and it could be bogus. She stated that I was on the hook for the charges because they didn't believe it was fraud. The amount owed on the fraudulent acct. is around {$300.00}. The credit bureaus continue to report the charged off account and my credit score is trashed because of this.
05/17/2018
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
FL
33914
Web
XXXX XXXX continues to call my father about my past due balance. My father has repeatedly told them to stop calling him. They leave threatening voicemails saying they are taking legal action against me.
They have never left me a voicemail on my phone.
On Tuesday, XX/XX/XXXX they again called my father and left a message that he needed to call XXXX. My father called them back and spoke with XXXX. XXXX told my father that I was going to be arrested due to non payment of my bill. She also asked him if he would pay my bill! She gave him all sorts of information about my debt.
When my father called me about this, I called XXXX. I was assured that they would not call my father again. I am XXXX years old and my father has absolutely nothing to do with my credit cards.
Today, XX/XX/XXXX..my father has once again received a threatening voicemail from XXXX with XXXX XXXX. My father is recovering from a severe illness. He doesnt need to have bill collectors waking him up when hes trying to rest.
The whole reason why Im behind on my credit card bills is because of my fathers illness. Ive been trying to help my parents out and assuring them that they arent putting me out ... now my father is freaking out that Im behind on my bills because of them.
02/06/2018
Yes
Payday loan, title loan, or personal loan
Installment loan
Problem when making payments
MS
39110
Web
Servicemember
I ordered products online on 4 separate occasions in a one month period. The first was offered at 9 % interest for a 24 month period. The subsequent 3 loans were 6 month zero interest if paid in full.
When payments are made, PayPal only allocates payments to the first 2 loans. Since the first two loans are the highest balance, I will never be able to pay off the second 2 loans prior to the 6 month time period. I have paid two months in excess of the minimum due and have asked that these excess amount be applied to the last two loans ; however with repeated attempted all I get is an automated response that is unrelated to my issue.
I believe PayPal should allow me to direct application of any amounts in excess of the minimum due at my discretion. If not, PayPal will have effectively forced me into paying retroactive interest on at least the last two loans, and probably the send zero interest loan because payments will not be applied at my direction.
As a borrower of this money, I see these as three separate loans to be paid as I desire. If PayPal considers these a single loan with different offers, then monies should be applied equally across all loans ... .but either way, I should be permitted to direct excess payments at my consideration.
11/28/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
SC
29720
Web
I have three accounts with Comenity Bank : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I paid all three accounts in-full XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I have always received paper statements for all three accounts and never signed up for paperless statements. For the 1st time since paying the accounts off in XXXX, I received a bill in the mail XX/XX/XXXX for XXXX and XXXX XXXX XXXX XXXX stating I have a balance. I called Comenity Bank about the matter and was told I had incurred residual interest which I wasn't aware of since I didn't received a bill, which also caused late fees and reporting late to the credit bureau. while questing the representative I inquired about XXXX XXXX and found the same had occured with that account as well except I have never received a bill to date. I believe this all to be a fraudulent act against me on the part of Comenity Bank. I'm asking your help to resolve this matter and avoid this from happening to anyone else! I have paid the fees to avoid any further attack against my credit. I pray Comenity Bank will refund the wrongful fees and interest charged and remove any negative reporting that has occurred since the accounts were pain in full XX/XX/XXXX.
12/14/2020
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
TX
75645
Web
Someone opened a credit card at XXXX XXXX using my name, social security number and an address from 12 years ago.
According to the records obtained by XXXX XXXX XXXX, whom the complaint is regarding, the account was opened on XX/XX/XXXX of 2019. Whoever opened the account charged multiple amounts to it over the course of three days .... XX/XX/XXXX through the XXXX, at multiple locations in Florida. I only know about these charges because I was provided this information by XXXX XXXX XXXX. I never received a credit card statement because of the fake address and never even knew this happened until XXXX began calling me, my husband and my mother in law, looking for me and accusing me of owing this debt. I thought it was a scam at first but after repeated calls I checked my credit and the charge was there. I reported this to the credit agencies as fraud and it has since been removed from my credit report.
I am a stay at home mom that homeschools her children and my husband and I have worked very hard over the last 12 yrs to acquire and maintain excellent credit scores. This was absolutely not me and the phone calls, harassment and finally being sued by XXXX have taken a toll on me and my family emotionally and caused undue stress on us all.
12/03/2019
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt is not yours
IL
60647
Web
XXXX XXXX is saying that I owe them money on clothes they say they delivered, and left outside my apartment. However I told them that they can not leave clothes outside of my apartment. I am a XXXX XXXX and I am gone multiple days at a time throughout the month. I live in XXXX IL and in my neighborhood if you leave boxes or any mail outside for more than a couple days it is highly likely someone will steal it. Which is what happened multiple times.
XXXX XXXX is saying that they put a credit hold on my credit card because they believe I owe them money for purchases that I never received.
I talked to them multiple times and told them that I can not get clothes delivered to my address because I am not home half the time. I have been using their pick up at store option or signed delivery and that works fine.
However now they just informed me that I owe them money on the clothes that I never received because they left them outside my house. This is preventing me from using my XXXX credit card, and also they say they will not let me order from them.
I need them to not charge me for the clothes never received and to let me continue the option of using the credit card at the store, or with a signed deliver confirmation, or pickup option.
02/18/2018
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Was not notified of investigation status or results
IL
60014
Web
In XX/XX/XXXX I paid off the balance of {$560.00} on my XXXX XXXX ( XXXX XXXX ) credit card. In XX/XX/XXXX I was charged a finance fee of {$12.00} which was also paid. So, In XX/XX/XXXX I had a {$0.00} balance on my credit card. In XX/XX/XXXX, after I paid off my balance, I was charged a {$2.00} " minimum fee '' of which I was never notified. I was charged a Late Fee of {$27.00} ( for XXXX ), a Late Fee of {$32.00} in XX/XX/XXXX, along with {$2.00} " minimum charges '' for those Months. Finally in XX/XX/XXXX I received a voicemail from XXXX XXXX stating that I had an account that was past due. Needless to say I was surprised but I went ahead and paid my account balance of {$92.00} on XX/XX/XXXX ( all from a {$2.00} minimum fee ). I made up my mind to close my store card but before I could I received my updated credit report for XXXX. My credit score dropped 47 points! All from this matter with XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX to complain about this matter and hear what this {$2.00} minimum fee was about and all I was able to achieve was a credit of {$32.00} to my account. I have been watching my account closely and there has not been a {$2.00} minimum charge for XXXX, which has been charged the first or second week of the month.
01/22/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
MI
49004
Web
Today is XX/XX/XXXX. I just called Comenity Bank asking them where the check is they notified CFPB about. After being transferred 5x, having to hang up and call back to repeat the process, the end result was a manager of the department getting rude with me, talking over me, stating, " I don't care what the response to CFPB was, we have cancelled the payment of XXXX and the check you already got for {$120.00} is all you're getting! '' In addition, the account is NOT closed to XXXX for XXXX. The refunds they are sending me are being added back to the balance and the account is not closed despite their letters.
Please re-open XXXX as their response is an out right LIE to you and to me. They have NOT sent me the check for XXXX -- they've in fact cancelled it. The letter dated XX/XX/XXXX showing they found the account for XXXX Fraudulent and set to XXXX and they would be contacting the bureaus to update this information -- they now tell me it is null and void -- doesn't exist.
This company does not know what they are talking about. I have asked for original contract, proof of physical signature, recording by audio/phone of me asking for a line of credit and they refuse to send it to me. I don't need statements. I need what I am asking for!
01/13/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
NY
11203
Web
Good day, I have a problem with Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX, which sponsors the store credit card for XXXX. I used this care for a year or so and things went fairly well until they started charging me exorbitant fees for late payment ( 1 day late! ) and other made up infringements. I called several times to complain and was treated very unsympathetically. I therefore resolved to pay off all balances and just keep the card, since I had been told that if I closed the account, it would adversely affect my credit. That was more than 3 years ago.
Now the bank has sent me a letter which appears threatening to me. It reads in part : " You may not realize it, but your XXXX Credit Card account hasnt been used in 39 months Thats why were planning to close your account on XX/XX/2020. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed. '' I am fine with the first part. It is the second part that makes me feel threatened. I do not need my credit score to be adversely affected right now. How can I have this credit card which I no longer have a desire to use, closed, without my credit score being lowered by the action?
Thanks for you help and advice.
10/03/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
CA
95125
Web
My complaint is against Comenity bank / XXXX, account # XXXX XXXX XXXX XXXX, open XXXX, credit limit {$500.00}, in XXXX balance at the moment. I sent a dispute letter to the mentioned company back on the XXXX of XXXX by mail because it is the only way you can dispute with them. Checking my reports and saw no dispute marks, they not only disregarded my dispute letter but they didnt even took the decency to investigate my account after receiving my dispute notice. This is a clear violation to the Fair Credit Reporting Act. This mentioned company has a late mark in my account which I was never late. Their negligence as evident is causing me a great financial problem. I do not want to take this case to court, but this unfair business practices, negligence, fail to investigate my account and if I seat down with my lawyers the list of violations will just increase. Im using the Consumer Financial Protection Bureau as my last resource to try get this company to remove that negative mark from my reports and provide me with a deletion letter through CFPB portal as soon as possible. If I have to take this case to court and let a judge decide this dispute I will. Im attaching letter I sent to them and proof of that they received the mail. Thank you!
02/09/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
11235
Web
Greetings!
Step 1 : What is this complaint about?
Victoria 's Secret credit card.
Step 2 : What type of problem are you having?
Charging me late fees and accumulates up to {$470.00} from initial store purchase of {$95.00} Step 3 : What happened?
At the store a cashier offered a card with initial discount on first purchase ; Gave me receipt with note that I will receive the card 10 to 12 days. But never came and then the Comenity Bank starting to charge late fees. The card never came until XX/XX/2019, on my bill another purchase came out that I did not do. Hence my bill went up higher with increase late fees. I dispute the issue and they wanted me to send them my SNN and other proof of address by mail which I believe is a delaying strategy and I don't trust them because of what had happened. The account was closed and was transferred to a collection agency which calls me and bothering me ever since. I am willing to pay the principal amount owned but they want me to pay the late fees which I am not entitled to.
Step 4 : What company is this complaint about? Victoria 's Secret credit card and Comenity Bank.
Step 5 : Who are the people involved?
Only me and the credit card Company or the said Bank. I don't know who stole the card.
07/21/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NV
89138
Web
This complaint is to address the misinformation on my credit report regarding my account with XXXX XXXX XXXXComenity Bank which states my account is in derogatory status when that is incorrect.
I entered a payment agreement with XXXX XXXXComenity Bank when they sent my account to collections with XXXX XXXX XXXX XXXX XXXX ) to settle the account for {$820.00}. The payments were made in the following installments : {$100.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, and {$180.00} on XX/XX/XXXX. The original account number is XXXX.
I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX at XXXX PST to confront this account and confirm that this account would be placed in PAID status and not derogatory, and this was confirmed by the sales rep on the phone named XXXX XXXX XXXX It is XX/XX/XXXX, and this account is still wrongfully marked as derogatory on my credit report despite me abiding to the agreed upon payment arrangement.
The company 's response to my prior complaint is that they do not have an arrangement on file when I have recorded the specifics of our arrangement and made notes ( please see above explanation ) and I can also provide proof of payment via my bank transactions on those dates.
02/08/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
NV
89074
Web
To whom it may concern, On XX/XX/XXXX of 2020 I reached out to Comenity Bank in regards to an inquiry on my XXXX, XXXX and XXXX reports. First I do not know and never have done business with Comenity Bank. Secondly I never gave this Business any authorization to run my credit. Thirdly upon calling Comentity Bank and speaking to a Representative who was absolutely no help it was mentioned in the phone call from the Comenity Bank customer service representative that they had no information nor file they could look up to find of me. Not surprising due to the fact I'VE NEVER EVEN HEARD OF THIS BANK PRIOR. I kindly asked the representative if they could send a letter informing the credit bureaus that the inquiry was obviously incorrect and to have it removed. The Representative replied ... " we are not able to formulate a letter stating or requesting a removal ''. So you mean to tell me a company can illegally authorize without consumer consent or signature an inquiry but can't remove it?!?! Least to say I am furious and want this inaccurate and unauthorized hard inquiry removed from my credit within 30 days under FCRA law. Please note that this company has already sent a letter stating they did not have me nor could find me in their system.
01/27/2019
Yes
Debt collection
Credit card debt
Communication tactics
You told them to stop contacting you, but they keep trying
MT
59701
Web
XXXX XXXX keeps calling my phone at all hours of the day and night, threatening me with legal action, all for a debt supposedly owed by an individual named " XXXX XXXX '' ( I'm not sure if that is the correct spelling ) for a " debt '' owed on a " XXXX XXXX '' account. I have never been to a " XXXX XXXX '' nor have I ever done business with them in any way shape or form. They ( XXXX XXXX ) continue to harass me, even though on multiple occasions I have told them that I'm not the individual in question, and that they have the wrong number. The use robot calls, offensive language, threats of lawsuits, threats of " credit damage " and many more horrible, probably illegal tactics. I have tried to block their calls, but they just call again from a different or spoofed number. Please help, these horrible people are causing me loss of sleep, and stress that is worsening my health ( I'm a XXXX XXXX with XXXX XXXX XXXX ) Ioften work 50 hours a week or more as an XXXX. I've done all I know to do with the exception of giving up my telephone number that I've had for over 10 years, which would be a significant loss for me. Please help me win this fight for my sanity! Thank you for your time and help, any assistance you can provide means a lot to me!
11/09/2018
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
NV
89166
Web
Servicemember
This is in regards to my XXXX XXXX 's credit card. This was my first time ever dealing with them. I went into the store in XXXX to use a gift card from my husband. After getting my items, the sales clerk offered me a store credit card, which she advised me that theirs does NOT do a credit check. At check out, my transactions were handled by another clerk who processed my purchases and the application. I had to insert another major credit card which I believed was for verification of credit worthiness. I was approved and provided the information for my credit line.
I have since noticed that there were credit inquiries made to multiple credit reporting agencies.
I contacted XXXX XXXX 's card company, XXXX on XX/XX/18 to discuss my concerns. I was advised that the inquiry into my credit can not be removed even due to their sales person 's incorrect information. He only said he wishes the store sales people were trained better. This does not help my situation. I did have him pay off the balance and close the card as this is not a company I want to do business with that provides incorrect information just to get a sale. This is unethical sales practices. Consumers should be provided full and actual information at the time of account opening.
12/03/2017
Yes
Debt collection
Credit card debt
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
MD
21093
Web
XXXX XXXX has insisted on calling my elderly parents, my boyfriend, my sister and my work number to harass me and anyone who answers. They refuse to make contact by my home phone ( which is the ONLY number I have ever provided to them in regards to my accounts. ) I have notified them in writing and via telephone to refrain from calling my friends and relatives and work number yet they persist at all hours of the day and night. Please make these people stop searching for my family and friends. Please make these people stop harassing everyone I love or even know. Please make them refrain from revealing my personal information. There has got to be a way to end this persistent and ongoing pattern of humiliation and harassment. It must be illegal to refuse to call my phone and instead seek to get me fired, upset my parents, annoy my sister and boyfriend. Do I need to file a lawsuit? Can you fine them for this pervasive and ongoing systematic harassment? Please help! Should they deny that I have contacted them, I do have documentation of emails and proof of receipt of messages to XXXX via XXXX XXXX XXXX and XXXX XXXX. I also have a telephone log of proven harassment of my parents, sister, boyfriend and business number. They just wo n't stop ...
09/24/2017
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MI
48180
Web
I have an account with XXXX XXXX through Comenity bank. I was making my payments regularly until about XXXX of this year. I feel behind and I have not used the charge card in well over two years. I thought the best option would be to close the account to allow me to make payments and catch up without the late fees and interest charges, that amounted to nearly {$100.00} a month outside of the regular payments. My account was closed per my request in XXXX, however I still continue to have interest fees and late fees added to my account. My current payment is {$320.00} because of it and in the last two months because the interest fees and late fees, my balance is {$400.00} more than it was when I closed my account. How could this be legal? I believe Comenity bank is milking me for money. I emailed the company on XX/XX/XXXX and again on XX/XX/XXXX to let them know I intend to pay the account off but the fees need to stop because my account is closed. How will I ever catch up with the payments being doubled and tripled? Their response was " we are sorry your having problems, call the office ''. So I called and was told that the interest would continue to climb and that the payments I was making was not enough to make a difference. Please help
05/17/2017
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
GA
30044
Web
On XXXX of XXXX , when I visited XXXX XXXX in XXXX , GA, I agreed to receive their services and to finance the amount of {$2300.00} at a 0 % interest rate. In XXXX of XXXX , I was charged {$680.00} of accrued interest. That is a substantial amount. At no point during the consultation with XXXX XXXX , the Manager at that Ideal Image location, was I told that there would be an expiration date for the 0 % interest rate or that it was even a promotional offer. I have reviewed the entire contract and nowhere on it does it state the offer or expiration date. I have always tried to make more than the minimum amount due each month but honestly, knowing that I was not accruing interest gave me the peace of mind to make higher bill payments elsewhere. I believe it is improper for them to tell me I am being financed a product at 0 % and not tell me it is for a period of time only. If that would have been the case, I would have paid off the credit line by that date or not taken the credit line at all. I have reached out to Comenity Capital Bank and wrote a letter to dispute the accrued interest charges and also attached copies of the contract I signed which support my position. They have not been very helpful during this process.
06/11/2021
Yes
Credit card or prepaid card
General-purpose prepaid card
Problem with a purchase or transfer
Card company isn't resolving a dispute about a purchase or transfer
TN
37922
Web
Servicemember
In XXXX of XXXX I ordered a table from XXXX XXXX XXXX. To receive free shipping and a discount I was offered to open a XXXX XXXX Visa card, sponsored by Comenity Bank. The table was to be delivered in early XXXX. It was postponed 7 times and in XXXX without the table I was charged on the account. I sent in a {$1000.00} payment, leaving a balance of {$1600.00}. The table continued to be delayed and in XXXX the item arrived in the wrong color. After several of months and dealing with a Ms. XXXX XXXX from Corporate Intervention the table was not available. I asked for my money to be returned. Miss XXXX credited the account on XX/XX/XXXX for {$990.00} which included service charges from the bank that the company uses Comenity Bank. I have called the bank several times and requested closing the account and a return of my credit balance. The first week of XXXX I was told they would mail me a check. Two weeks later I checked and they said they would deposit to my checking account and asked for the routing and account number. That deposit was never made. Ten days ago I called again and they said a check was cut because my account number was wrong. They have had my money since XXXX and this bank is giving me the run around as did XXXX XXXX did.
12/17/2019
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
FL
32708
Web
I made a purchase in XXXX with my Comenity Credit Card for XXXX XXXX that had a 6 month no interest if paid in full. I paid off the promotional balance on XX/XX/2019 before the expiration date of XX/XX/2019 in the amount of {$270.00} and then made the minimum monthly payment of {$62.00} on XX/XX/2019 before the due date of XX/XX/2019 in the amount of {$62.00}. Per their statement period of XX/XX/2019, it states, " You must pay your Plan XXXX balance of {$270.00} in full by XX/XX/2019, and also pay your Minimum payment amount by the Payment due date shown on this statement, to avoid paying accrued interest charges. '' I've paid of the promotional balance before the expiration date and the minimum monthly payment also before the due date and I am being charged interest on a monthly basis and I have called multiple times and they have not corrected the issue to avoid the interest going forward. I was charged interest in XXXX, XXXX, XXXX, and now XXXX. I have been credited the interest charges ; however, I should not have to call every month to have the fees removed when they need to correct the issue on their end as I am reassured every month they will take care of the problem and that it will not happen again! Please assist me. Thank you.
09/27/2017
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
PA
15235
Web
in XXXX XXXX i ordered items from roamans clothing. i had free shipping. i returned the items the day after i received them. i was told in an online chat with roamans and via email that i was assessed a {$7.00} fee and would receive a bill soon. i received no billing until the end of XXXX XXXX, at which time a {$25.00} late fee was attached to the {$7.00} fee, i contacted the company who instructed me to contact the card holder which was comenity bank. i did so, but was told i had no account. i next received a bill in XXXX XXXX and the late fee was again applied now taking the {$7.00} return fee to {$51.00}. i again contacted the company which again told me to contact comenity bank which i did. again i was told i had no account and was transferred to XXXX different people/depts. finally i was disconnected. i next received a bill in XXXX XXXX for {$82.00}. which are inflated late fees. i used an online chat with roamans to verify the {$7.00} return fee. was told to contact comenity bank. which i did and the same scenario happened. XXXX different transfers, no account verified. nothing resolved. i have been unable to get this absurd situation corrected and they are reporting this amount past due to credit agencies. an amount i do not owe.
02/27/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
75068
Web
I have an account with XXXXXXXX XXXX via XXXX. They contacted me when I opened the account in XX/XX/2021, and I charged around {$1200.00}. I laid out a plan to pay around $ XXXX {$300.00} a month until my last payment in XXXX so I wouldn't incur any additional fees or interest as this card was a no-interest credit card.
I paid all payments, and they now claim I owe over {$300.00} in fees and charges for some reason. I had returned the yellow bench and two of the chairs had to be replaced because they arrived broken. They credited me back for the yellow bench but I am hereby disputing the amount they have on my account and I have requested statements and a payment history so I can assess what fees and interest had been incurred and why it wasn't paid off at the end of XXXX.
I believe they failed to remove the charge for the bench, and I believe they continued to incur fees despite having told me on this call that they would remove the cost for the bench since it broke and they failed to send a repaired one. I ask they please show me all of the fees, costs, payment history, credits, account call notes, and explain the remaining balance. I asked this over the phone already but they failed to mail me any statements that I could review.
06/12/2020
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
TX
75072
Web
Early in XXXX I received a notification from XXXX XXXX asking if I had closed a account with XXXX XXXX, I had not. They filed for bankruptcy and they are having to close most of their stores. I disputed it and after " resolution '' I am still down XXXX points on my credit score from this, which took me from a good standing to a mediocre XXXX. I have now been in contact with XXXX XXXX the past few days and they are giving me the run around. On their website it shows no where that my account is closed and would still let me change my credit limit on it if I wanted to. They could not verify that my account was closed or why it would be closed or literally tell me anything. Each time a different no name person responds with answers that do not answer anything. I asked them why my account was closed and inquired as to why I never received anything in the mail, any notification on their website in their notification center, or received anything to my email ( which they are still currently sending me emails for their huge sales on clothes they are trying to get rid of ). When i opened this card it never had to be continuously used, I did not have a outstanding balance, I never payed late, I never had a single negative mark on that account.
12/11/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CO
80922
Web
Servicemember
On or about XXXX XX/XX/2020, I placed the amount owed on my credit card in dispute. Comenity Bank failed to place the amount in dispute. On or about XXXX XX/XX/2020, I received a letter stating that the amount was in dispute and that no fees or interest would be assessed to my account. On XXXX XX/XX/2020, Comenity Bank added an interest charge to the amount that was in dispute. On XXXX XX/XX/2020, on a conference call with XXXX from Comenity Bank and XXXX from Wayfair, it was obvious that in the last 2 months despite being told an investigation had been ongoing, Comenity Bank never conducted an investigation and continued to assess fees on an amount in dispute. During that call, XXXX from Comenity Bank heard that Wayfair did indeed fail to process a refund and that an additional credit would be applied - as I suspected and which was why I initiated a dispute with my credit card. I believe, as does XXXX, that when Comenity Bank broke away from Wayfair charges and pending refunds were not properly handled by Comenity Bank. I fear and believe that many other consumers were victims of Comenity Bank and that because of their tactics of delay and ignore and not do anything - many consumers have and will continue to be hurt by Comenity Bank.
03/24/2021
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
MD
21040
Web
I recently had a late payment reported back in XXXX of XXXX that resulted an A credit limit decrease from my XXXX comenity bank credit card. Im aware that the companies do soft pulls to check the status of a consumers credit report worthiness on a regular basis. However, the late payment that was reported to my credit report earlier this year was a mistake on behalf of the company and has now been removed. I am bringing this issue to the CFPB because comenity bank refuses to restore my credit limit back to where it originally was which was XXXX. I currently have a credit limit of XXXX which has hurt my score dramatically because my utilization went from the 20s to the 90s which is an issue because I am currently in the process of obtaining financing as well as applying for new credit cards and I can not move forward with financing until my credit limit is under 30 percent. Comenity bank has no sympathy for a loyal comenity bank customer who makes their credit card bill payment every month. This issue has had a tremendous affect on me because I am trying to recover from the pandemic by obtaining financing for my business. I sent them a written statement specifying these issues and comenity bank did absolutely nothing to fix the issue.
05/05/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
MA
02790
Web
Servicemember
On XX/XX/XXXX, I purchased 2 {$100.00}. gift cards in the amount of {$200.00}. at XXXX XXXX in XXXX, XXXX with my BJS credit card. When I received my credit statement, I noticed the amount and called to tell them that I had not made that purchase. They immediately told me that they would cancel my credit card and issue a new one. After 2 days I realized that I had actually made the purchase and called the company back to notify them that I had made a mistake but they had already sent the new card. I paid the amount which included the {$200.00} in full on XX/XX/XXXX. When I received my XXXX bill, they had transferred the {$200.00} to the new account,. so I paid it again. Then on XXXX when I received my bill .... it stated the the {$200.00} was paid. On the XXXX statement, they transferred this amount to the new card stating it was a " balance transfer ''. Since I have already paid this amount twice and have contacted the credit card company COMENITY BANK .nine times with my complaint but to no avail, I am turning to you for help because again they are telling me I owe them.this amount. I refuse to pay it a 3rd time. I have requested documentation from this bank supporting their claim which to this point have not sent me. PLEASE HELP!
01/22/2019
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
NY
14611
Web
I purchased an item from XXXX using the flex pay method and set up the auto pay using my banking information. They extracted the amount and then returned it saying that my bank cancelled the payment which is untrue. I then received a notice from one of the credit report websites stating that my score had been reduced, I had been subjected to a previous incident under the same circumstances and was able to get the matter resolved when I contacted XXXX XXXX XXXX, they said I needed to write in which I disagree with because the error ( if there was one ) is their fault and I should not have to go through this process because of their fraudulent practice. The interested suddenly increased to 28.90 % which again I should have not be subjected to. I thought that XXXX was a reputable company until this incident took place. I am therefore requesting your intervention in this matter and that my credit score be restored to its ' previous value. I also want CFPB to know that I paid the full amount before contacting your agency and asked that my account be closed because I do wish to be in business with companies that do this bait and switch method of business. Thank you and I look forward to hearing from you in the future regarding this matter.
05/31/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Improper use of your report
Credit inquiries on your report that you don't recognize
TX
77459
Web
Servicemember
I was a victim of Identity Theft, someone tried opening up numerous accounts using my information, as I contacted numerous credit card companies to notify them it was not me most of them were helpful and removed the inquiry from my credit report. However Paypal Credit was the only one who treated me like I was the criminal not the victim, the individual I spoke with was rude and told me that they could not remove the inquiry from my reports, I was told that I would need a police report and I would need to fax it in in order for them to remove the inquiry, this is after I notified them that it was not me who applied for credit and not only it was not me but they used a wrong address to do so. Paypal Credit still refused to remove the inquiry without the Police Report. It is hard enough to deal with the identity theft issue by it self, but to have a credit provider treat me like I was the criminal was not expected.
This is my alert from XXXX Credit tracker : CCBPAYPALCREDIT obtained a copy of your XXXX Credit Report. XX/XX/XXXX Alert Da te : XX/XX/XXXX XX/XX/XXXX Date Filed : XX/XX/XXXX Source : XXXX Phone : XXXX XXXX XXXX XXXX 3 Address : XXXX XXXX XXXX XXXX , MD XXXX - Company CCBPAYPALCREDIT