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
06/22/2023
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
362XX
Web
Older American, Servicemember
On Friday, XX/XX/XXXX at XXXX XXXX XXXX, XXXX Customer Service XXXX wrote : Hi XXXX, Thank you for emailing us back! We do apologize for the inconvenience caused by the delayed shipping. We are here to assist you.
We'd like to inform you that, in addition to the refund processed yesterday, the representative you spoke with on XX/XX/XXXX processed another refund in the amount of {$32.00}. So the total refund processed for your order is {$97.00}. Thank you for your patience and understanding!
In case you have any other queries, just let me know. Have a great day!
All the best, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Customer Service Specialist On Thursday, XX/XX/XXXX, XXXX XXXX XXXX XXXX Or XXXX XXXX '' XXXX wrote : [ THIS EMAIL WAS SENT FROM AN EXTERNAL ADDRESS ] So, if you are using the other 10 % that was applied because when I called acquiring about my order and asking why I had not received it as the reason for the 20 % that is fine. Apply the 20 % to the amount before the 10 % was applied to come up with the 30 % that I was actually supposed to receive. Per the letter I received all interest and fees should not be applied while the dispute was going on. So, my purchase was {$320.00} - XXXX ( 30 % ) = {$220.00} - {$32.00} ( for taking a long time to receive my order ) = {$190.00}. So, if you don't want to honor your advertisement and the discount my bill should {$220.00}. Consider it paid in full. I have a letter from the credit card Comenity. I will pay the balance in full. But ask I have explained and proved the 10 % was for taking a long time to receive my purchase. Thanks for ending this~!
Tue, XX/XX/XXXX at XXXX XXXX Hello XXXX, A CREDIT IS COMING YOUR WAY!
You will be refunded {$32.00} for your order XXXX.
XXXX On Thursday, XX/XX/XXXX at XXXX XXXX XXXX, XXXX Customer Service wrote : Hi XXXX, We are deeply sorry for the inconvenience this may have caused you, this is not the service that we want you to experience with us. We wanted to provide the best help possible.
Please be informed that I successfully processed a refund in the amount of {$65.00} ( 20 % ) on your order number XXXX. Please be advised refund will take 3 to 5 business days for your refund to be processed back to the original payment method you used when the order was placed.
Please let me know if you have any other questions. Have a great day!
All the best, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Customer Service XXXX On Wednesday, XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Or XXXX XXXX '' wrote : [ THIS EMAIL WAS SENT FROM AN EXTERNAL ADDRESS ] This is not to hurry you through your process, this is to ensure you understand the process and what actually happened.
To clarify, the 10 % discount had nothing to do with the credit card. The 10 % was applied when I called checking on my order that took a long time to receive. I did not forget to enter a promotion code. There was no promotion code. I applied for the credit card at the time of my order. This is the same advertisement you are currently offering the 30 % was supposed to be applied to my order but when I received my bill it was not applied. I placed the order and applied for the credit card simultaneously. The advertisement said I would receive the 30 % off the order I was placing at that particular time. This was the first purchase. It reads, " open & use a runwayrewards credit card, get 3 % off.
" We can only offer a one-time courtesy adjustment within 48 hours after you placed the order if you forget to enter your promo code '' I didn't forget to enter a code, I didn't have a code.
LIMITED TIME OFFER!
OPEN & USE A RUNWAYREWARDS CREDIT CARD & GET 30 % OFF YOUR FIRST PURCHASE! 1 On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX, XXXX Customer Service wrote : Hi XXXX, We are deeply sorry for the inconvenience this may have caused you, this is not the service that we want you to experience with us. We wanted to provide the best help possible.
As I check here, the order XXXX which was placed on XX/XX/XXXX, there is a 10 % discount that has been refunded to your account last XX/XX/XXXX.
In line with this, you are requesting the 30 % off on your order to be processed on your account. We can only offer a one-time courtesy adjustment within 48 hours after you placed the order if you forget to enter your promo code.
However, as I can see from the previous conversation you contact us back to have the adjustment on XX/XX/XXXX, which exceeds our accepted time to honor the adjustment.
I know this is not the news that you want to hear from us but please bear with us while we're checking on this. If you wish to speak to someone to further assist you with this, you can call us back at XXXX. We are open from XXXX to XXXX, XXXX XXXX 'til midnight. XXXX and XXXX, we are open from XXXX XXXX 'til XXXX XXXX
Please let me know if you have any other questions. Have a great day!
All the best, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Customer Service Specialist On Tuesday, XX/XX/XXXX, XXXX XXXX " XXXX Or XXXX XXXX '' wrote : [ THIS EMAIL WAS SENT FROM AN EXTERNAL ADDRESS ] I have done all of that. I just don't understand why nobody wants to help. Poor business all around. Also, I need a POC so we can get this situation solved. Have one of your dedicated personnel to call me. XXXX.
XXXX On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX XXXX, XXXX Customer Service wrote : Hi XXXX, Thank you for reaching out! We apologize for the trouble with your XXXX XXXX XXXX XXXXXXXX rewards card, I'm sorry for the inconvenience this has caused you. As much as we want to, but we don't have the option to look up or check your rewards card.
No worries, we have a dedicated team that can handle your concerns or inquiries. You may call our XXXX XXXX XXXX XXXX XXXX Credit Card toll-free number at XXXX. XXXX or XXXX TDD/TTY. They are open from Monday to Saturday, XXXXXXXX XXXX to XXXX XXXX. You may also visit their help page at https : //c.comenity.net/ac/newyorkandcompany/public/help.
Please let me know if you have any other questions. Have a great day!
All the best, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Customer Service XXXX On Tuesday, XX/XX/XXXX, XXXX XXXX " XXXX Or XXXX XXXX '' wrote : [ THIS EMAIL WAS SENT FROM AN EXTERNAL ADDRESS ] XXXX XXXX, did you find out anything concerning my NY order and the card I received on the same day? I received another bill from XXXX XXXX XXXX XXXX XXXX XXXX today with late fee and interest and I have excellent credit.
XXXX XXXX On Friday, XX/XX/XXXX at XXXX XXXX XXXX XXXX Customer Service wrote : Hello XXXX, Thank you for placing an order with us. I would like to apologize for what you are experiencing right now. For your concern, let me check the last note of the last representative and find an option for your concern. We will give you an update once we resolve your concern and give you an update immediately.
Please let me know if you have any other questions. Have a great day!
All the best, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Customer Service XXXX On Friday, XX/XX/XXXX, XXXX XXXX XXXX XXXX Or XXXX XXXX '' wrote : [ THIS EMAIL WAS SENT FROM AN EXTERNAL ADDRESS ] -- -- - Forwarded Message -- -- - From : XXXX XXXX To : XXXX Or XXXX XXXX Sent : Friday, XX/XX/XXXX at XXXXXXXX XXXX XXXX : Re : Unacceptable Service Dear XXXX XXXX XXXX afraid you have the wrong company.
This is XXXX XXXX XXXX, the citys tourism agency. Judging from your complaint youre referring to XXXX XXXX and XXXX, the clothing store. In spite of the similar company names, we are completely unrelated.
Best, XXXX Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX XXXX Or XXXX XXXX wrote : Will you please acknowledge receipt of my email.
XXXX XXXX On Saturday, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX wrote : XXXX XXXX can you help me with the issues I am having with XXXX XXXX and Comenity Bank. I have several winter outfits that it has been so long, I don't even need them anymore. I have been waiting on the two companies to get their acts together. I really don't understand the 90 days wait time and the issue at all. Everything is upfront and clear. I am a government auditor and on the BOD at XXXX XXXX XXXX XXXX and just don't understand this type of service.
I have attached everything you need. I really didn't want to contact you but can not get acceptable service with either company. I am attaching some backup paperwork so you can see the issue. I have no problem just canceling the card and returning all of your clothing.
Anyway, will you respond to this email and/or give me a call at XXXX.
XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : Comenity Bank Sent : Monday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Transaction Information Message ID : XXXX I am with Comenity Bank, which handles your credit card account. Your inquiry has been escalated to me for further review. Hi! I appreciate your concern regarding the account. I can confirm a dispute was filed on XX/XX/XXXX. Please allow us time to investigate. We will mail you a letter via US Mail once completed. I appreciate your patience while we are conducting our investigation. I apologize for any inconvenience. Thank you! If you have any questions, please click the reply button. Sincerely, XXXX XXXX Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I have made 3 calls today because this is still going on. This was cleared up already with a payment of {$220.00} reflected on the XXXX of XX/XX/XXXX. I am still receiving statements and letters saying this will affect my credit. I talked to XXXX ( supervisor ) on XX/XX/XXXX, at XXXXXXXX XXXX and she advise they had put another purchase of {$71.00} on my account. I received another dispute letter XX/XX/XXXX. Now on this 3rd time - no supervisor My purchase was {$320.00} made on XX/XX/XXXX and my credit card was approved at the same time. I called XXXX inquiring on why it was taking my order so long. As a result, I received a refund on my purchase of {$32.00}. I called again and again about the XXXX percent off. Nobody Knows! So, I will be paying you {$320.00} - XXXX ( 30 % ) = {$220.00} - {$32.00} ( for taking a long time to receive my order ) = {$190.00}. I will be paying this bill online. Please cancel my card and if you can cancel my account with XXXX XXXX XXXX XXXXXXXX. Do you beli Back to Inbox Reply From : You Sent : Thursday, XX/XX/XXXX, XXXX XXXX ( ET ) To : Comenity Bank XXXX : Re : Transaction Information Message ID : XXXX I have made 3 calls today because this is still going on. This was cleared up already with a payment of {$220.00} reflected on the XXXX of XX/XX/XXXX. I am still receiving statements and letters saying this will affect my credit. I talked to XXXX ( supervisor ) on XX/XX/XXXX, at XXXXXXXX XXXX and she advise they had put another purchase of {$71.00} on my account. I received another dispute letter XX/XX/XXXX. Now on this XXXX time - no supervisor My purchase was {$320.00} made on XX/XX/XXXX and my credit card was approved at the same time. I called XXXX inquiring on why it was taking my order so long. As a result, I received a refund on my purchase of {$32.00}. I called again and again about the XXXX percent off. Nobody Knows! So, I will be paying you {$320.00} - XXXX ( 30 % ) = {$220.00} - {$32.00} ( for taking a long time to receive my order ) = {$190.00}. I will be paying this bill online. Please cancel my card and if you can cancel my account with XXXX XXXX XXXX XXXX Do you beli From : Comenity Bank Sent : Thursday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Transaction Information Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. I certainly understand your concern. We apologize for any inconvenience caused. Taking a look at your account I see that a dispute has been filed on XX/XX/XXXX. Our dispute team is working dedicatedly in regards to your concern. However, resolutions may take up to ninety ( 90 ) days to complete. Upon completion of our research, you will be notified of our findings by US mail. We appreciate your patience while we are conducting our review. If you have any questions, please click the reply button. Sincerely, XXXX XXXX XXXX XXXX Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- This is what the head of the Customer Service department - he advised you will handle this. What is the status? Have someone to call me at XXXX. XXXX XXXX XXXX, Thank you for reaching out! We apologize for the trouble with your XXXX XXXX XXXX XXXXXXXX rewards card, I'm sorry for the inconvenience this has caused you. As much as we want to but we don't have the option to look up or check your rewards card. No worries, we have a dedicated team that can handle your concerns or inquiries. You may call our XXXX XXXX XXXX XXXX XXXX Credit Card toll-free number at XXXX XXXX or XXXX TDD/TTY. They are open from Monday to Saturday, XXXX XXXX to XXXX XXXX. You may also visit their help page at?? https : //c.comenity.net/ac/newyorkandcompany/public/help. Please let me know if you have any other questions. Have a great day! All the best, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Customer Service Specialist From : You Sent : Tuesday, XX/XX/XXXX, XXXXXXXX XXXX XXXX ET ) To : Comenity Bank XXXX : Re : Transaction Information Message ID : XXXX This is what the head of the Customer Service department - he advised you will handle this. What is the status? Have someone to call me at XXXX. XXXX XXXX XXXX, Thank you for reaching out! We apologize for the trouble with your XXXX XXXX XXXX XXXXXXXX rewards card, I'm sorry for the inconvenience this has caused you. As much as we want to but we don't have the option to look up or check your rewards card. No worries, we have a dedicated team that can handle your concerns or inquiries. You may call our XXXX XXXX XXXX XXXXXXXX XXXX Credit Card toll-free number at XXXX. XXXX or XXXX TDD/TTY. They are open from Monday to Saturday, XXXXXXXX XXXX to XXXX XXXX. You may also visit their help page at?? https : //c.comenity.net/ac/newyorkandcompany/public/help. Please let me know if you have any other questions. Have a great day! All the best, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Customer Service Specialist From : Comenity Bank Sent : Thursday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Transaction Information Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. We apologize for any inconvenience you may have experienced. We've received your information and it's currently being reviewed. Please be assured that we will work diligently to resolve your issue. However, resolutions may take up to ninety ( 90 ) days to complete. Upon completion of our research, we will notify you of our findings. We appreciate your patience while we are conducting our review. Thank you for taking the time to reach out, and have a great day. If you have any questions, please click the reply button. Sincerely, XXXX XXXX XXXX XXXX Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Have you found a solution to this problem? If not by Monday XX/XX/XXXX I will be returning the clothing and you will get a full credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ET ) To : Comenity Bank XXXX : Re : Transaction Information Message ID : XXXX Have you found a solution to this problem? If not by Monday XX/XX/XXXX I will be returning the clothing and you will get a full credit.
From : Comenity Bank Sent : Wednesday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Transaction Information Message ID : XXXX I am with Comenity Bank, which handles your credit card account. 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. 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 Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I have been trying for days now to get my account correct. I have called several numbers to include XXXX, XXXX, XXXX, XXXX, for someone to get the XXXX percent off my account. Comenity Bank and Runway Rewards keep transferring me back and forward for person to person. I opened an account the same time I made the purchase, but the XXXX percent is not reflected on my bill. I have talked to five people this morning. My purchase was {$320.00} made on XX/XX/XXXX and my credit card was approved at the same time. I called XXXX inquiring on why it was taking my order so long. As a result, I received a refund on my purchase of {$32.00}. I called again and again about the XXXX percent off. Nobody Knows! So, I will be paying you {$320.00} - XXXX ( 30 % ) = {$220.00} - {$32.00} ( for taking a long time to receive my order ) = {$190.00}. I will be paying this bill online. Please cancel my card and if you can cancel my account with XXXX XXXX XXXX XXXX. Not good business! [ Attachment XXXX Type : application/pdf Name : XXXX XXXX XXXX XXXX From : You Sent : Tuesday, XX/XX/XXXX, XXXX XXXX ( ET ) To : Comenity Bank XXXX XXXX XXXX : Transaction Information Message ID : XXXX Attachments : XXXX XXXX XXXX XXXX have been trying for days now to get my account correct. I have called several numbers to include XXXX, XXXX, XXXX, XXXX, for someone to get the XXXX percent off my account. Comenity Bank and Runway Rewards keep transferring me back and forward for person to person. I opened an account the same time I made the purchase, but the XXXX percent is not reflected on my bill. I have talked to five people this morning. My purchase was {$320.00} made on XX/XX/XXXX and my credit card was approved at the same time. I called XXXX inquiring on why it was taking my order so long. As a result, I received a refund on my purchase of {$32.00}. I called again and again about the XXXX percent off. Nobody Knows! So, I will be paying you {$320.00} - XXXX ( 30 % ) = {$220.00} - {$32.00} ( for taking a long time to receive my order ) = {$190.00}. I will be paying this bill online. Please cancel my card and if you can cancel my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX
From : Comenity Bank Sent : Tuesday, XX/XX/XXXX, XXXXXXXX XXXX ( ET ) To : You Subject : Re : Transaction Information Message ID : XXXX Hello XXXX XXXX, I am a Senior Account Specialist with Comenity Bank. Your concerns were escalated to me. Please accept our apologies for any inconvenience you've experienced. New cardholders will receive 30 % off their first purchase. For us to best assist you with this concern, we ask that you please speak with a live representative. Please call Runway Rewards team at XXXX ( Monday-Friday XXXXXXXX XXXX ; Saturday & Sunday XXXX XXXX ) at your earliest convenience. If you have any questions, please click the reply button. Sincerely, XXXX XXXX XXXX XXXX Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I have called your number 3 times tonight trying to get the XXXX percent off at the time of making the purchase. While making my 1st order, a pop-up came up which is still on your site offering XXXX0 percent off on your purchase is you open a credit card. I applied and received the credit card but the XXXX percent off is not showing up. Will you update my balance applying the XXXX percent off. Thanks you. Please send an email when applied so that I might pay my bill. Now the site is saying my message could not be sent and for me to call the XXXX number that I have already tired tonight. XXXX XXXX From : You Sent : Tuesday, XX/XX/XXXX, XXXXXXXX XXXX ( ET ) To : Comenity Bank Subject : Transaction Information Message ID : XXXX I have called your number 3 times tonight trying to get the XXXX percent off at the time of making the purchase. While making my XXXX order, a pop-up came up which is still on your site offering XXXX percent off on your purchase is you open a credit card. I applied and received the credit card but the XXXX percent off is not showing up. Will you update my balance applying the XXXX percent off. Thanks you. Please send an email when applied so that I might pay my bill. Now the site is saying my message could not be sent and for me to call the XXXX number that I have already tired tonight. XXXX XXXX
03/17/2021
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
MA
011XX
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
11/17/2023
Yes
Credit card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
CA
92020
Web
Older American, Servicemember
COMPLAINT AGAINST COMENITY CAPITAL BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PURCHASES
Submitted to CFPB on XXXX
The account with Comenity Capital Bank was opened on XXXX XXXX XXXX by XXXX when I signed a contract to purchase into a XXXX XXXX XXXX. I thought I was purchasing one thing and received something totally different. It was a bait and switch by XXXX salespeople. I was deceived and misinformed as to what I was purchasing. My finances were exploited. It was XXXX XXXX with predatory sales practices by XXXX I did not find out the truth of what I purchased until much later. On XXXX XXXX XXXX, I called Comenity Capital Bank at XXXX XXXX. and was told to call back on XXXX XXXX when they would be open. I called at XXXX XXXX XXXX on XXXX XXXX and spoke to a Comenity Capital Bank representative named XXXX XXXX XXXX XXXX XXXX XXXX) and told her I wanted to file a fraud dispute case with Comenity Capital Bank in the amount of XXXX that was originally placed on a Comenity XXXX XXXX Credit Card by XXXX I asked her to assign a case number. I was told by XXXX that she could not assign a case number but that a legal team member would be contacting me in three days. The conversation ended at XXXX XXXX PST. No one ever called me back, but I did receive a letter dated XXXX XXXX stating that they had received my claim and were researching it. I called again on XXXX XXXX XXXX XXXX XXXXXXXX and spoke with XXXXXXXX XXXX XXXX XXXX) and told her no one ever called me and that I had received a letter and wanted to send documentation supporting my claim. I asked her for an email address, a FAX number, or a link where I could upload information about the fraud dispute. She said none of these were available and that I had to mail any correspondence about my claim to the Billing Dispute Inquiry at Comenity Capital Bank to a different address than what was in the letter a POB number with a different zip code. I sent a packet to them on XXXX XXXX at the address provided by US Mail with a required signature receipt to be sent to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have yet to receive a signed receipt acknowledging that they have received the package that included a statement of what happened, copies of emails and other documents. No one has contacted me since mailing the packet to them and still no case number has been assigned. I had asked the representatives if I needed to make payments while this was being investigated and I have not received a direct answer to this question.
Comenity Capital Bank has consistently made it very difficult to submit documentation to show fraud on the part of XXXX. In fact, I can no longer access my Comenity Capital Bank account on line - it has somehow been blocked. I have also told Comenity Capital Bank representatives that I submitted information to XXXX regarding the deceptive practices of their salespeople. I have been complaining to XXXX employees soon after signing the contract, but not within their two-week grace period because they did not tell me that I only had two weeks to cancel the contract. Also, I thought everything they promised me would happen and I did not know at the time that they had scammed me and misrepresented what they had presented to me in the sales meeting. I did not even know about a department they have for complaints and was not told about this department until XXXX. I contacted the their Resolutions Department XXXX XXXX when I learned about the existence of this department. A representative assigned to me named XXXX XXXX called once and said to contact him anytime. Since that first call, he is not returning emails or phone calls even though the case has been escalated according to XXXX Resolution Department.
DETAILED STATEMENT:
My husband and I came to the sales office on XXXX XXXX XXXXXXXX because we won a free one-week trip to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on a spin of a wheel that landed on the free trip. We once had a good experience listening to a Timeshare presentation by XXXX XXXX XXXX XXXX, but we also had a very bad experience with XXXX XXXX XXXX We were very skeptical, but the name XXXX sounded like it could be legitimate. So, we made the appointment to come in and listen to the sales pitch to get our free trip. We viewed a film and then we were assigned to XXXX XXXX My husband wanted to leave, but I told him I was interested in hearing what the salespeople had to say. There was no interest at first in joining any kind of travel club. XXXX immediately began talking about how we could go to nice resorts or on cruises if we bought into a club membership. I told her we were not interested in resorts or cruises. She asked what interested us. I told her we like first-class train trips and were interested in business-class flights to Italy, as our daughter lives there, and we like to visit her at least once each year. I told her we just got back from XXXX XXXX XXXX and that we were going to XXXX in XXXX. I told her we wanted to book the XXXX XXXX in XXXX for XXXX for our XXXX XXXX anniversary and my XXXX XXXX. She told us we could do all of this with a membership at great discount or for free using the credits that came with membership.
I also told her we like bicycling, and it would be nice to be able to stay at nice hotels while biking in XXXX XXXX XXXX or along the coast. I mentioned that we liked biking over to XXXX XXXX and had thought about staying at the XXXX XXXX XXXXXXXX XXXX She said we could stay at the XXXX XXXX XXXX per night. I was really astounded as the XXXXXXXX is very expensive. I said back to her, I can stay overnight at the XXXX XXXX XXXX a night? She said, Yes. She said it was on a sliding scale and that we could stay multiple nights and even for a week for a little over XXXX.
I then asked her about other places, like XXXX XXXX, where I do a lot of presentations, hikes, and research for books I write. I told her we lost our rental of 14 years and were looking at paying XXXX XXXX XXXX for motel stays in XXXX XXXX. She said the cost would also be XXXX per night or with small increments for added nights. So, I got hooked on the promises of XXXX hotel stays anywhere, including XXXX I know what I have paid for hotels, and that really sounded like a deal. She said that I would be able to use credits for flights, train excursions, and hotel bookings. She said that membership would be for life, and we could pass membership down to our children. Then she invited in her sales manager XXXX XXXX to join us at our table. XXXX immediately brought out a sheet explaining that membership costs XXXX but because we had come in, he could reduce the price. He mentioned a figure around XXXX, and I said way too much, and we were not interested. Then XXXX asked if XXXXXXXX was a XXXX and he said yes. He was a helicopter pilot in XXXX Then XXXX reduced the price to XXXX if we agreed to purchase a membership that day. XXXX wanted a copy of the sheet he wrote on, and XXXX made a copy for him. XXXX then took the sheet and went to get a sandwich that they offered him and asked when we were going to leave. I told him I wanted to continue the discussion with the salespeople because I thought it might pencil out to be a good deal.
I explained to XXXX XXXX XXXX that I could be interested. I shared with them that my husband has some XXXX and I wanted to provide some good experiences for him while he could still enjoy them and remember them. I was still not committed because I really was not interested in paying interest on a large sum of money. That is when XXXX said that I would not have to pay interest because the cost could be put on credit cards that were interest free for six months. Then the balance could be transferred to another card so that I would have 18 months to pay off the purchase. XXXX said he would personally call me in XXXX and have the balance transferred so that it would be interest free. I was still not sure, and for over 5 hours they kept pressuring me while my poor husband just kept saying he wanted to leave. He was the smart one.
In a final summary statement I said, if I purchase this membership today for XXXX, I will get everything you promised: hotel stays at XXXX per night at such places as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; business-class flights to Italy or elsewhere at either highly discounted prices from 45-65% off retail or for free by using credits; first-class train trips for much less than advertised retail or free by using credits; discounted car and motorhome rentals (I told them we had a trip planned to see the eclipse on XXXX XXXX and that we were thinking of renting a motorhome to drive to XXXX no interest on payment for 18 months; we could pass ownership to our daughter who would receive the yearly credits; and resort stays anywhere around the world, including our free XXXX XXXX. XXXX XXXX XXXX then said they would each give us some of their own credits to make sure our XXXX vacation was paid for by giving us XXXX credits that would be posted to our account in XXXXXXXX (I found out later this was an outright lie as they did not give us any of their personal credits the credits are bonus credits that were coming to us because we signed up).
After more than five hours of haggling, we went into XXXX XXXX office. By that time another sales manager was in the deal: XXXX XXXX XXXX. As we went through the contract and as I asked questions, XXXX began to question if I really wanted to sign. XXXX had taken away the various sheets he had written on with the original price and the discounts on it. I asked him to give those back to me. He wouldnt, but he brought out another sheet and just wrote information about interest free payments. I have a copy of the original price he said we were getting that he had given to XXXX that shows the price before all the discounts were added. The back of the sheet shows how points could be used for business-class flights and hotels. He also wrote that retail prices of other travel trips would be discounted 45-65% off retail prices if purchased through the XXXX XXXX XXXX. XXXX continued to write on my copy after XXXXXXXX moved away from us. On my copy he wrote each new price before the next discount was added with each of the older prices lined out, leaving the final price I needed to pay for membership. I believe now that XXXX did not want me to have that copy showing how he discounted every price to the final price. He probably would have picked up XXXX copy, but he had forgotten about it because XXXX was at a separate table being fed sandwiches.
I found XXXX copy much later in a file at home. This document describes what we were offered: we were purchasing a XXXX package that was the highest tier that was listed for about XXXX per credit that equals XXXX XXXX at the Platinum level that would provide everything promised, including hotel stays at XXXX per night. It was later that I learned in an email from XXXX XXXX XXXX XXXX XXXXthree months after signing the first and second contractthat the XXXX is the amount per day to use XXXX XXXX and not the cost for a stay. The actual cost to stay in such places, like the XXXX XXXX XXXX XXXX XXXX XXXX would be XXXX XXXX the cost of the room. I was totally deceived by all salespeople who were pushing me to sign the contract. I have several emails sent to salespeople reiterating and asking for confirmation that I would only pay XXXX per one night stay. They always confirmed verbally.
When XXXX really questioned if I should sign because I was so unsure, I asked XXXX XXXX XXXX if everything that I was promised would happen, and they affirmed. So, I signed. I later discovered that I did not receive what was promised and presented, which was the Platinum tier at a great discount, but instead, I paid full price for the lowest tier that did not have enough credits to really use as I needed and did not include the personal choice needed to obtain business-class flights or specialized first-class train excursions, such as the XXXX XXXX all the things that I was interested in that they said I would receive with the discounted membership.
The sales team knew that XXXX and I were leaving shortly for an extended tour of XXXX. No one said anything about having only two weeks to cancel the contract after signing. When I came back from XXXX and really had second thoughts about how I had been so highly pressured into signing, I called XXXX and asked her about canceling. She said I could not because I would have had to cancel within two weeks, and it was then after two weeks of signing the contract. She said I was stuck with the membership.
I decided to be positive about the membership because I still believed I had everything that was promised to me and would be able to schedule the XXXX XXXX train trip through XXXX. I even told the sales representative at XXXX XXXXXXXX that the trip would be booked through the XXXX XXXX XXXX that I joined. I began telling friends that I would be able to stay iXXXX XXXX XXXX XXXX XXXX and better than that, I could reserve a couple of rooms at the XXXX XXXX when folks were biking with us, and they could stay there also at the highly discounted price. I told my daughter in Italy that I would pay for flights for her and her husband through our credits to bring them here for XXXX and that we could rent a home or stay at XXXX XXXX XXXX XXXX for several days over XXXX XXXX. My son-in-law then put in a request to his employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to grant him vacation time during the XXXX I believed everything the sales team promised me that they said was true. I had no reason at that time to think anything else except for an uneasy feeling about how they pressured me and hovered over me like a flock of vultures waiting for a meal. Once I signed, they were done with me. The care I was promised never came. They were off to find another victim.
I now believe they looked at our age, heard me mention that my husband had XXXX XXXX sensed we had money and credit that they could access and thereby receive a sales commission, and they had assumed I was XXXX and gullible enough to be talked into buying a membership. Well, they were correct there. I stupidly believed and trusted what they presented to me. They made it look like a really good deal. But what they had me sign was not the XXXX package discounted. It was the lowest tier at full price. This was a total, unethical predatory sales scam, or XXXX fraud, based on deception and false pretenses when they saw my vulnerability because of my concern about my husbands condition, my desire to visit our daughter yearly and provide XXXX comfortable accommodations on flights, and my need to have a place to stay in XXXX XXXX that was affordable.
In signing this first contract, no one told me how my credit score would be affected. It dropped from excellent with over an XXXX score to good with a loss of about XXXX points. I was also told to use the XXXX XXXX XXXX as much as possible to earn additional travel points, although I really did not understand what that entailed, as it was never explained. What I found out immediately was that I could not use the card at all because it was declined as XXXX was placed on the XXXX card when I signed the contract (I have separately filed a fraud claim with XXXX I immediately called XXXX and asked what was going on. He said, just pay XXXX now and they will increase your credit limit so that you can use it. I called XXXX They said that they do not automatically increase credit. They said that there was nothing in the contract from XXXX that said I was promised a higher credit limit. It was also a card that needed to be paid off in six months or otherwise there would be charges of 25.24% interest on the unpaid balance. XXXX said not to worry because the balance would be moved to another interest free account. I could see that this plan could become a real nightmare trap that could possibly lead to huge interest payments while my credit score would continue to drop. Again, I would have to trust a salesperson. Now I know I cant trust any of them because they are there to make a profit for themselves and will say anything to get the sale. Signing that first contract, I had to use my personal XXXX XXXX XXXX XXXX XXXX XXXX a down payment. They put XXXX on the XXXX card and the balance of XXXXXXXX on the Comenity Capital Bank cardthis is the amount I am disputing under a fraud claim with Comenity Capital Bank.
THE SCAM CONTINUED:
I was talked into signing a second contract to upgrade in order to get what I was originally promised. This second complaint does not involve Comenity Capital Bank, which this complaint is about. However, if you need this information about the rest of this scam, it is upload below:
03/15/2023
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
NM
87120
Web
In XXXX of XXXX I made a purchase using the NFL Extra Points Comenity Visa Card to take advantage of the terms of the agreement related to the special financing promotion the transaction should have triggered and on which subsequently placed. When statement closed I found absolutely no mention of the promotional plan on which it was supposed to be automatically placed and a discrepancy on my rewards points. I reached out via their online account messaging XX/XX/XXXX and was told to call on XX/XX/XXXX, my payment due date. As evidenced in the message log : From : Comenity Bank Sent : Monday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Other Message ID : XXXX I'm with Comenity Capital Bank, which handles your Visa account. This card is issued by Comenity Capital Bank pursuant to a license from Visa USA Inc. I'm here to help with your account needs.
Please accept our apologies for any inconvenience you've experienced.
For us to best assist you with this concern, we ask that you please speak with a live representative. Please call our customer care team at XXXX at your earliest convenience.
Thank you for taking the time to reach out and for being a loyal NFL Extra Points Visa credit card customer.
If you have any questions, please click the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Special Financing on NFL Tickets When you spend $ XXXX atXXXX with your XXXX Extra Points Visa Signature Credit Card.4 4Minimum payments are required for each Credit Plan. Valid for single transaction only. Qualifying purchases will automatically be placed on a promotional plan it will be placed on the qualified plan with the longest promotional period.
1. Please reconcile your response that I have not enrolled when based on the terms no enrollment is necessary and qualifying purchases are AUTOMATIC implying no enrollment necessary 2. Please also reconcile your response of an option to place the purchase on a deferred interest plan when the terms state the purchase will AUTOMATICALLY be placed in a Credit Plan with the longest promotional period 3. Please provide your justification as to why XXXX NFL TICKETS in the amount of {$1800.00} ( over {$250.00} ) in a single transaction does not meet the qualifications for a special financing plan with the longest promotional period Back to Inbox Reply From : You Sent : Saturday, XX/XX/XXXX, XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Other Message ID : XXXX Special Financing on NFL Tickets When you spend $ XXXX atXXXX with your XXXXXXXX Extra Points Visa Signature Credit Card.4 4Minimum payments are required for each Credit Plan. Valid for single transaction only. Qualifying purchases will automatically be placed on a promotional plan it will be placed on the qualified plan with the longest promotional period.
1. Please reconcile your response that I have not enrolled when based on the terms no enrollment is necessary and qualifying purchases are AUTOMATIC implying no enrollment necessary 2. Please also reconcile your response of an option to place the purchase on a deferred interest plan when the terms state the purchase will AUTOMATICALLY be placed in a Credit Plan with the longest promotional period 3. Please provide your justification as to why XXXX NFL TICKETS in the amount of {$1800.00} ( over {$250.00} ) in a single transaction does not meet the qualifications for a special financing plan with the longest promotional period From : Comenity Bank Sent : Saturday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Other Message ID : XXXX I'm with Comenity Capital Bank, which handles your Visa account. This card is issued by Comenity Capital Bank pursuant to a license from Visa USA Inc. I'm here to help with your account needs.
Thank you for reaching us out.
Please be informed that your account has not enrolled in any promotional plan.
The option to place the purchase on a deferred or 0 % interest plan will be available at check out if the purchase is eligible. The plan will be reflected on the monthly statement if chosen. Please go to page 3 of 4 on your statement. Each purchase, which qualifies for a promotional plan, will be listed on this page.
If you have any questions, please click the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- What is the termination date for the promotional period on my promotional balance?
From : You Sent : Thursday, XX/XX/XXXX, XXXX XXXX XXXX XXXX ) To : Comenity Bank Subject : Re : Other Message ID : XXXX What is the termination date for the promotional period on my promotional balance?
From : Comenity Bank Sent : Monday, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX ) To : You Subject : Re : Other Message ID : XXXX I'm with Comenity Capital Bank, which handles your Visa account. This card is issued by Comenity Capital Bank pursuant to a license from Visa USA Inc. I'm here to help with your account needs.
We apologize about not being able to see your rewards at this time. We are working diligently to restore this capability as soon as possible.
We assure you, your reward points will not be negatively impacted by this disruption. Your account will be updated to reflect your correct earning activity as soon as possible. Thank you for your patience.
Please be informed that you can earn 3 points per {$1.00} ( 3 % ) spent on eligible purchases made at NFLShop.com, NFL Team Retail Stores, NFL Team Online Stores, NFL Team Stadiums and qualifying NFL Game Ticket Purchases made at NFL Team Ticket Offices, XXXX, XXXX and XXXX. Earn 2 points per {$1.00} ( 2 % ) spent on eligible purchases made at bars and restaurants, and on groceries, food delivery. and fitness purchases such as memberships and gyms. Earn 1 point per {$1.00} ( 1 % ) spent everywhere else For us to best assist you with this concern about rewards, we ask that you please speak with a live representative. Please call our Customer Care team at XXXX at your earliest convenience.
Thank you for taking the time to reach out and for being a loyal NFL Extra Points Visa customer.
If you have any questions, please click the reply button.
Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Why am I missing points? I purchased NFL tickets via XXXX and per your terms NFL tickets purchased via XXXX qualify for 3x points whereas I only received 1x points, NFL and team purchases include XXXX, NFL stadium purchases and NFL tickets made at NFL Team Ticket Offices, XXXX, XXXX and XXXX.
From : You Sent : Thursday, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity Bank Subject : Other Message ID : XXXX Why am I missing points? I purchased NFL tickets via XXXX and per your terms NFL tickets purchased via XXXX qualify for 3x points whereas I only received 1x points, NFL and team purchases include XXXX, NFL stadium purchases and NFL tickets made at NFL Team Ticket Offices, XXXX, XXXX and XXXX I called to figure what the promotional period is to calculate my payments over the course of the promotional period and learned from a XXXX that the qualifying transaction was not placed on any promotional plan. I respectfully disagreed with XXXX and explained to her their own terms and conditions which would govern the transactions in question and how Comenity itself was in breach of its own agreement. The conversation went nowhere and I requested to speak to a supervisor and was connected to a XXXX who did not provide much help as she indicated she was denied access to my reward balance and again requested my call be escalated and finally got to XXXX who indicated she was based in NY. XXXX was helpful as she advised me to open a dispute and that it would resolve the issue once it was investigated. She also asked that I write in all the information I found in the terms and conditions of the card agreement which I subsequently did with printed screen shots. I received confirmation of receipt of my dispute dated XX/XX/XXXX indicating it would take up to 90 days to investigate and resolve the dispute. I wrote back the following : Thank you for confirming receipt of my dispute regarding the incorrect rewards points being allocated to my account, and, more importantly, the lack of promotional period information on my statement.
To help support the investigations efforts I have printed and included the following screen prints of where this information was found on your website : Rewards Page Reflects incorrect 1 % rewards allocated Link to Rewards Terms & Conditions ( subsequently printed ) The 3 % language which details the rewards calculation that should have been applied to my transaction/balance Language detailing the special financing on NFL Tickets More Details link ( subsequently printed ) Rewards Terms & Conditions ( NFL Extra Points Rewards Program Terms [ Program Terms ] ) Contains the 3 % terms governing NFL Ticket purchases at XXXX.
More Details Page Detailing the 3 % that shouldve applied to my qualifying purchase Details on the Special Financing that should apply to my qualifying purchase Fine print associated with 3 % reward terms Fine print associated with the special financing terms I followed up in XXXX asking for an update on my dispute while seeing late fees and interest assessed on the disputed transaction and then found another reward point discrepancy related to transactions made in XXXX. Representative XXXX on XX/XX/XXXX who advised that there was no update to the dispute and I would just need to await resolution and there was no ETA. I called again XX/XX/XXXX and spoke to XXXX to ascertain a status of my dispute and alert them of the XXXX transactions not being rewarded properly and asked for a supervisor as first level reps were not helpful and connected to supervisor XXXX who told me to file another dispute which I did and again followed up in writing with : From : Comenity Bank Sent : Sunday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Other Message ID : XXXX I'm with Comenity Capital Bank, which handles your Visa account. This card is issued by Comenity Capital Bank pursuant to a license from Visa USA Inc. I'm here to help with your account needs.
We apologize for any inconvenience you may have experienced.
Submitting a billing dispute is easy.
To protect your rights under the Fair Credit Billing Act, we need to receive your dispute in writing within 60 calendar days of the date on your first billing statement that contains the disputed transaction.
Please include your : - Name - Address - Account number - Disputed amount - Specific transaction - The reason for your dispute Also, please include any information that may help us, such as sales receipts or other documents that may support your dispute.
Reply back with the disputed transaction details or send your written dispute to us here : Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX.
You may also submit this information to us as an attachment in a response through the Secure Message Center. To upload documents to send in a secure message, please go to the Secure Message Center and select Compose a New Message. On the right side of the screen, select Add Attachments. The guidelines for the attachments are provided below the button. Once you click the button, a new window will open and you can click on Add Files. This will take you to your personal documents page to select the appropriate documents to upload. If there are any issues with the documents, a red box will provide the details of the issue.
Once the documents are attached, you will be directed back to the Secure message Center to compose a message to include with the documents.
Thank you for taking the time to reach out - and for being a loyal customer.
If you have any questions, please click the reply button.
Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Missing rewards points, currently on with XXXX, Account Specialist ( Senior ), who advised that a new dispute would be needed to alert Comenity of the discrepancy in missing rewards as all my transactions were stadium transactions and should have been awarded 3 % each.
Back to Inbox Reply From : You Sent : Friday, XX/XX/XXXX, XXXX XXXX ( ET ) To : Comenity Bank Subject : Other Message ID : XXXX Missing rewards points, currently on with XXXX, Account Specialist ( Senior ), who advised that a new dispute would be needed to alert Comenity of the discrepancy in missing rewards as all my transactions were stadium transactions and should have been awarded 3 % each.
THEN a letter sent : Thank you for confirming receipt of my dispute regarding the incorrect rewards points being allocated to my account for transactions on XX/XX/XXXX found on statement closing XX/XX/XXXX.
To help support the investigations efforts I have printed and included the following screen prints of where this information was found on your website : Rewards Terms & Conditions ( NFL Extra Points Rewards Program Terms [ Program Terms ] ) Contains the 3 % terms governing NFL Stadium purchases.
More Details Page Detailing the 3 % that shouldve applied to my qualifying stadium purchases Fine print associated with 3 % reward terms Lastly, during my call with Supervisor XXXX on XX/XX/XXXX, we spoke of concessions offered due to the multiple attempts on my part to address this breach of agreement in the first of my disputes related to special financing to which she responded that at that time it was unknown what could be offered. I would like to suggest rewards remuneration for my time, effort and frustrations during these disputed matters as the initial dispute has gone outside of the given 90 day investigation period and in addition to that I would like to see the fees and interest subsequently assessed to my account waived.
Please let me know what other information may be needed on my part and I would be happy to further assist in this investigation. I look forward to working with you to resolve this issue as expeditiously as possible to get past this and move forward hopefully together in this partnership, thank you.
I finally received a resolution letter for the initial dispute which failed to credit me back late fees associated with the disputed transaction.
I am also still awaiting results of the second dispute related to the points discrepancy to the XXXX transactions.
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
XXXXX
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
07/19/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CA
900XX
Web
Hello, I have an XXXX credit card issued by Comenity Capital Bank. This is not a kind of Visa or MasterCard credit card to use everywhere but a one to use to pay services at a dentist office.
I have two claims to present against this bank as detailed below. I called over the phone to the CFPB to ask if I can present both claims at the same time and the agent who took my call told me it is ok as long as both are for the same company, what is this case.
FIRST CLAIM Brief : Comenity promised to offer a 6-month promotion plan to pay a balance with deferred interest but it is offering only 5 months to do it because it missed to include the transaction in the first statement.
Explanation : On XX/XX/XXXX the card was used to pay for services. The total charge for this transaction was {$4000.00} with a promotional plan of deferred interest for 18 months with a minimum payment required every month. Balance for this transaction must be paid in full by XX/XX/XXXX to avoid paying accrued interest charges since the transaction day.
On XX/XX/XXXX the card was used a second time to pay for services. The total charge for this second transaction was {$690.00} with a promotional plan of deferred interest for 6 months with a minimum payment required every month. Balance for this transaction must be paid in full by XX/XX/XXXX to avoid paying accrued interest charges since the transaction day.
The first paper statement received had a due date by XX/XX/XXXX to make the first payment. The statement closing date was XX/XX/XXXX. However, the second transaction charged was not included in this statement. The total balance in the paper statement showed up only the amount of {$4000.00} related to the first transaction although the second transaction was charged on time by the statement closing date. Then, the second transaction should appear in the paper statement too.
On XX/XX/XXXX ( by the due date ) I went online to the XXXX credit card site to make a payment and the account showed up a total balance of {$4700.00} including the first and the second transaction ( although paper statement included only first transaction ).
I knew the ending date for the 6-month promotion plan by the time I received the second paper statement with a due date of XX/XX/XXXX. That second statement shows the 6-month promotion plan ends on XXXX, XXXX. However, because that transaction was not included in the first statement, they are taking away one month of the promotion plan and giving only 5 months to pay with deferred interest ( XXXX, XXXX, XXXX, XXXX and XXXX ) instead of the 6-month plan as promised.
I called XXXX credit card over the phone and spoke with an associate to explain what happened regarding the one missing month in the plan. The associate told the second transaction was not showing up in the first statement because the purchase was made on the same cut day when the statement closes. Then I told the associate that if the transaction was not originally included in the statement, then the promotion plan should be end by XX/XX/XXXX instead of XXXX, XXXX in order to have a 6 months promotion plan as promised. The associate told me there was nothing she could do to extend the promotion by one month because of the missing month. She told me the promotion plan will end by XXXX. I told the associate that it was not fair to the customer because Comenity did not include the second transaction on the statement but it is taking away the first month of the promotion plan ( XXXX ). The associate told me again there was nothing she could do about it.
Key issues on this claim : - A purchase was made on time withing the timeframe for the statement to be close.
- The purchase has a 6-month plan to pay with deferred interest.
- The purchase was not included in the first statement although it was made before the statement closing.
- As a result, one month is missing from the 6-month promotion plan as the promotion will end 5 months after the transaction was reflected on the statement.
- An associate told me she was not able to do anything about it.
How to resolve this : - Comenity must grant the full 6-month promotional plan as promised allowing the customer to pay with deferred interest until XX/XX/XXXX instead of XX/XX/XXXX to reflect a 6 month promotion plan instead of a 5 month plan.
SECOND CLAIM Brief : Comenity is not allowing the customer to allocate the payments in exceed of minimum payment to the promotion ending first as requested by the customer to avoid paying accrued interest by the end of the promotion. Allocation of payment rules allow a customer to do that if requested. Comenity is not following that request and is allocating the amount in exceed of minimum payment to the promotion ending the latest.
Explanation : The minimum payment due on XX/XX/XXXX was XXXX. To calculate the minimum payment, Comenity took only in consideration the first transaction on XX/XX/XXXX for the amount of {$4000.00} with a promotional plan of 18 month with deferred interest. However, by XX/XX/XXXX the total balance showed up in the account online was {$4700.00} including the second transaction made on XX/XX/XXXX for the amount of {$690.00} with a 6-month promotional plan as told at the time to make the purchase.
I divided the balance for each promotion by the number of months offered to pay with deferred interest with the following result : XXXX / XXXX = XXXX ; XXXX / XXXX = XXXX. Then I decided to make a payment of {$340.00} ( XXXX + XXXX ) on XX/XX/XXXX to cover both promotions even when the 6-month plan was not showing up in the paper statement but the amount was already included in the total balance by the time to pay online. Minimum payment was {$140.00} and payment sent was {$340.00} ( {$200.00} more ).
I called customer service requesting to allocate {$220.00} out of the {$340.00} to pay the 18-month promotion balance and {$110.00} to pay the 6-month promotion balance. I wrote down in my personal notes that the balances for each promotion in the next statement should be {$3800.00} and {$580.00} for the 18 and 6 promotion plans respectively.
To my surprise, the second statement came up with a balance of {$3700.00} for the 18-month promotion plan and a full balance of {$690.00} for the promotion ending in XXXX, XXXX. Comenity did not allocate the payment as requested by the customer as the 6-month promotion plan balance did not receive a penny to be paid. Instead of following the customer request, Comenity allocated the {$340.00} payment in full to the 18-month plan and charged the 6-month plan balance in the second statement that was missed to include in the first statement.
I called customer service to find out why the allocation was not made as requested. The associate who took my call told me the payments are allocated automatically by the system. I asked the associate to handily allocate the payment as it was requested. The associated told me she was unable to manipulate that or make any changes as payments are processed automatically. I told the associate that the allocation of payment rules allow the customer to allocate the payment as desired by the customer. The associate insisted she was not able to help.
For the second statement, the minimum payment due was {$150.00} on XX/XX/XXXX. I asked the associate to know how much of the minimum payment will cover each promotion. The associate told me that {$77.00} out of {$150.00} will be applied to the 18-month promotion plan and the remaining {$77.00} will be applied by the 6-month promotion plan. The associated also told me that any amount paid in exceed of the minimum payment will be allocated to pay the 6-month promotion plan. I found out later that was not true as Comenity did not proceed that way.
I scheduled a payment again of {$340.00} for XX/XX/XXXX and ask the associate to please be sure that the system allocates {$220.00} to the 18-month promotion balance and {$110.00} to the 6-month promotion plan. The associate told me that I should not have a reason to be concerned as payment will be processed that way.
Again, to my surprise, when I receive the third statement the payment was not allocated that way as requested by the customer. The XXXX statement to be paid on XX/XX/XXXX shows a balance of {$3300.00} for the promotion with a 18 month plan and a balance of {$670.00} for the promotion ending in XXXX, XXXX.
I called customer service again to find out why for the second time the allocation of payment was not made as requested by the customer after having one of the associates affirming me that the exceed in the minimum payment would be allocated to the promotion ending first. The associate who took my call told me she had no explanation about it as payments are processed automatically. Then I ask to please allocate the payments as it was requested. I explained that was the second time having that issue. The associate told me she was not able to help me out because she can not handle payments manually. I asked to talk to a supervisor. A supervisor took my called and told me the same thing. The supervisor told me payments are allocated automatically by the system and he had no way to make allocations in a different way. I explain the supervisor what the 1026.53 ( b ) ( 1 ) ( ii ) rule states about allocation of payments requested by customer on a deferred interest plan. He asked me to contact XXXX credit card directly throughout the message center in my account and write my concerns. I did it. Please, see the attachment to read the messages back and forth between Comenity and my self about the dispute. Even after I explained the problem thru the secure message center, and even after sending the rule about the right for customers to allocate payments as requested, Comenity replied time after time that they process payments automatically and payments are allocated first to the promotion ending the latest.
By doing that, the promotion ending first will start to show interest accrued since the transaction date by the time the promotion is over because payments are not allocated that way.
I requested several times now over the phone and over internet to allocate the exceed of minimum payment to the promotion ending first by XX/XX/XXXX and Comenity is not following that request nor that rule. Such as rule in the CFPB site states that the card issuer may at its option allocate any amount paid by the consumer in excess of the required minimum periodic payment among the balances on the account in the manner requested by the consumer. Comenity is not doing that as requested by the customer.
In the last message received by a supervisor, Comenity states the following : Comenity Capital Bank has opted to not allocate a payment different than what is systematically in place.
After being in communication with Comenity and after several tries to allocate the payment in a way requested by the customer without success, I am filing this claim against Comenity in order to resolve the dispute and to allow the customer to allocate the payments as requested pursuant to 1026.53 ( b ) ( 1 ) ( ii ) Key issues on this claim : - Comenity offered a 18 month promotion plan for a balance with deferred interest and a 6 month promotion plan for a balance with deferred interested.
- Customer sent payments well over the minimum payment to allocate money to the promotion ending first.
- Customer reached out Comenity over the phone and over internet to request allocation of payments to the promotion ending first.
- Comenty is not following the request of customer.
- Promotion ending first have received only {$24.00} towards balance after payments sent for a total of {$230.00} beyond the minimum payment.
- Customer has the right to allocate the payment in excess of minimum payment to the promotion ending first, but Comenity continue to apply most of the payment to the promotion ending the latest, which will result in interest to be charged since the transaction date by the time the promotion ending first is over.
How to resolve this : - Grant the customer from now on to allocate the payments as requested to pay off first the promotion ending first.
- Adjust the balance retroactively for each promotion by allocating the payments already sent as requested by the customer since the beginning of payments.
Please, see attached the messages throughout the Comenity secure message center and the statements received so far.
Comenity Capital Bank is part of XXXX XXXX XXXX Accounts are issued by Comenity Capital Bank. Customer care line is XXXX Customer care for XXXX credit card customers is XXXX COMENITY.NET/XXXX XXXX XXXX XXXX XXXX TX 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.
04/21/2023
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
NJ
07017
Web
I visited XXXX XXXX XXXX located on XXXX XXXX XXXX XXXX in XXXX, New Jersey. I stumbled upon the business a week earlier while driving through XXXX after leaving a different XXXX officeXXXX XXXX XXXX XXXX located a few blocks over. I initially visited them to get a consultation however they didn't have any immediate availability until XX/XX/XXXX. I wanted a consultation a bit sooner. So, as a mental note, I snapped a picture of the XXXX XXXX XXXX XXXX sign so that I could look them up later on.
Fast Forward back to XX/XX/XXXX, I decided to look them up via XXXX and get their contact information while at work. I called them, and spoke with the receptionist, her name is XXXX, to inquire about scheduling a consultation, she stated that they had immediate availability and that I could come in the same day. I dropped everything and headed to their office. I met XXXX XXXX XXXX, we spoke briefly, formal greetings, before heading to get my XXXX taken by his XXXX assistant, very personable. After my XXXX were taken, I was escorted to his chair. I shared in detail what I was looking to get done, which was Porcelain Veneers for my top row of teeth. I showed him a picture of what I was looking for which was a picture of XXXX, XXXX XXXX. Thats whose smile I admired and wanted to encapsulate. He agreed that he could make it happen, and then further suggested that We/ I get a complete smile makeover. Feeling encouraged by his response, I shared with him my ongoing insecurities about my smile, due to a freak accident that i had as a teenager, I tripped while running and hit a fence pole ( which resulted in me cracking my front tooth which was shoved up into my upper gums- Very TRAUMATIC experience for me ), I've had braces ( didn't help much ), but it wasn't what I wanted, I wanted a BETTER smile, I wanted XXXX XXXX and that it's something that I've been wanting to do for YEARS, I literally saved up cash money for this very procedure, I was turning XXXX XXXX XXXX in XXXX, and did not want to spend more years feeling insecure about my smile. It literally has affected my professional career, to an extent, and I wanted to address it with expediency.
After reviewing my XXXX and XXXX XXXX determining that he can make it possible for me to get XXXX XXXX, I began to ask him questions about the procedure in terms of pricing. He didn't share the amount immediately, but he did ask me about my credit. I shared that my score was XXXX ( XXXX ), and that I had {$14000.00} cash set aside to pay towards the procedure. So on this very day, he immediately contacted his finance department that assists with the clients financing their procedures. In less than 30 minutes, I was approved.
PRICE BREAKDOWN : The full amount came up to {$40000.00} which he said he would discount to {$36000.00}, which in reality was {$38000.00} ( See Treatment plan & Statement of Account receipt attached ) {$14000.00} cashiers check that I furnished - made payable to XXXX XXXX XXXX XXXX XXXX.
I had to finance through two different companies affiliated with the XXXX XXXX office ( see those documents & screenshots of approvals attached ) XXXX ). XXXX XXXX XXXX - XXXX was approved for {$12000.00} XXXX ). XXXX XXXXComenity BankXXXX I was approved for {$7500.00} 4. ) My XXXX Insurance, XXXX XXXX- they used my entire XXXX allotment- almost {$2000.00} XXXX. ) Patient Courtesy ( Discount ) {$4200.00} The specific veneers I agreed to pay for after being shown a chart with several types of veneers that would suit my needs, I chose a well known type also known as { LABIAL PORCELAIN VENEERS } which is a porcelain facial placed on the front of the teeth to structure for an even and perfect smile. Again I showed him a picture of XXXX XXXX teeth which is the look I desired, a natural looking smile. I made certain to emphasize the fact that I did NOT want my teeth to look like they were fake/big/bulky. He assured me that that would not be the case and that I was in good hands. I left the office that date encouraged and excited about the journey ahead to achieve my smile makeover.
Dr.Trichas gave me a scheduled date of XX/XX/XXXX at XXXX am to begin imaging and impressions of my current teeth which included a crown bridge on my front tooth that needed to be removed and then to be prepped for the temporaries. All impressions were sent to a lab while I was provided temporaries in the meantime at the XX/XX/XXXX visit, while waiting on the permanent veneers to be installed on another scheduled date in XX/XX/XXXX.
The first set of temporaries boasted a lot of discomfort for me. They were huge, it Hurt when I would try to chew anything, so I immediately shared my concern with XXXX XXXX, I then had a subsequent appointment scheduled for XX/XX/XXXX at XXXX ( see screenshot ) so he can help alleviate the discomfort. He ended up having to create another, smaller version of temporaries ( he contoured it a bit more this time ). It was a lot more bearable. Next appointment scheduled for Permanent Veneer installation was XX/XX/XXXX at XXXX.
However, I MUST NOTE my Disdain because I was completely under the assumption that I was receiving the end-product I agreed to pay {$36000.00} for, which was well communicated to XXXX XXXX that he insisted I would be happy with the completion of the procedure.
On XX/XX/XXXX, the day the permanent teeth were to be installed XXXX XXXX never explained the full procedure to me, nor explained if there was any need for modifications or issues with my teeth that would prevent me from obtaining the perfect smile I requested with the exact Labial Porcelain Veneers I paid for ( see treatment plan attached ).
During the operation to my teeth as a patient I was totally unable to view what was taking place in my mouth by XXXX XXXX while conducting this transformation.
Once he was done he stated I have the veneers and the look I anticipated for so long. Once the mirror was given to me I was told to smile and all I saw was white teeth which was a huge difference and a great tone to my face, however I explain to him that my lips and jaw was protruding which look very obvious looking at my face that the teeth was too big for my facial structure.
He said that is the immediate appearance thats common for all his patients undergoing this type of procedure and that once the swelling goes down, I would be able to see the difference.
Days after final installation I reached out, I made complaints to XXXX XXXX that I was not satisfied with the outcome due to the bulkiness of the teeth that didnt fit my face, and that I was experiencing discomfort while chewing ( again ), Extreme sensitivity, and my bite was NOT aligned. On XX/XX/XXXX at XXXX I had an appointment, He asked me to come in so he could see what he could do. He continued insisting that he can make bite adjustments and contour my teeth as small fixes assuming that would do the trick, but I wasn't happy at all! I constantly shared that this is NOT the end result I hoped for.
I had another appointment on XX/XX/XXXX at XXXX, to AGAIN, try to arrive at a place of satisfactory, because I continue to have unsightly bulkiness and extreme sensitivity while chewing/biting. XXXX XXXX again, tried to contour some more, and attempted to further adjust my bite.
On XX/XX/XXXX I traveled to XXXX, XXXX for vacation. While in XXXX, my fianc chose to start his process to get his teeth done with a well known dentist to many in the states. XXXX XXXX XXXX of XXXX XXXX XXXX in XXXX. So I made a mental note to question her once she completed the evaluation with my fianc for the purpose of identifying the work done on myself, so as a curiosity she allowed me to be seen for a consultation and informed me that I have all crowns in my mouth which explained the bulkiness of the teeth that didnt resemble the flat appearance of ACTUAL veneers. In complete befuddlement, I asked her what can I do to get the Labial Porcelain Veneers I requested and she disappointingly informed me that I was not able to receive that look anymore.
After being fully educated at that moment with XXXX XXXX of XXXX XXXX XXXX, I learned that for veneers your teeth would have to be filed down no less than [ XXXX ] so that it can be placed on the exterior of each tooth. As for crowns, your teeth have to be shaved down even more at a [ XXXX ] to fit over the existing teeth.
This means my teeth is shaved down too low to ever receive the look and product I paid so much money for because XXXX XXXX took the liberty to do a procedure I did not ask for without confirming with me what I thought about it or what I feel about it before he did a irreversible operation without my authorization, which was not in our Treatment plan agreement, nor does the paperwork I signed indicate a mouth full of crowns to the financial department that helped me fund with these installment loans that I am obligated to pay for ( with interest ).
The paperwork submitted to each of the above financial companies also received the exact document I received that clearly stated. { LABIAL VENEERS } NOT { CROWNS }.
I insisted after I returned from my vacation to XXXX with my fianc that I was going to address this issue with XXXX XXXX one last time with hopes he can explain what he did and what type of material he used to place in my mouth.
Once I arrived back home to XXXX XXXX I made it my business to reach out to XXXX XXXX for an appointment to simply record the meeting with him after now understanding from another doctor what happened. I brought a recorder since it is perfectly legal in my state of residence, New Jersey, which is a one consent state that allows you to take video or voice recording of any conversation to protect yourself as a consumer.
On XX/XX/XXXX I walked in the office waiting to see XXXX XXXX. As I sat in the waiting room I mentioned the receptionist whom I ask purposely of her opinion for the record to identify why my teeth are so huge and bulky and her response was said on the recording that she didn't think they were bulky -looking but she sees what I mean. I made sure my Audio recorder ( see audio attached ) was on to get a full statement from the XXXX XXXX that seemed very upset and aggravated with a hint of frustration to my direct questions about crowns and veneers. What he stated made no sense to me, and very much not what I was told in the beginning or I would have never allowed myself to sit in his chair to do what he did to me without giving me the privilege as a client or consumer the option to decline or accept his method used.
Now I have an irreversible situation that will not allow me to reach the perfect smile I worked so hard to achieve by saving all my funds accordingly to anticipate this process with great results for the money I was spending.
I felt very much violated and discriminated against because of the XXXXXXXX XXXX XXXX XXXX knowing that if I was of another XXXX I would not have been treated in such a manner with no regard to what I requested, nor any type of real explanation for so long.
So I decided to contact the CFPB within the statute of limitations to report this dental office and specific dentist as well as the financial companies that were either lied to by XXXX XXXX of the type of procedure he was doing or participated in the type of procedure received.
Either way, the paperwork never changed to identify the incorrect work done. ( CROWNS vs VENEERS ).
In Conclusion, I would like to see the paperwork from each financial company : XXXX XXXX XXXX and XXXX XXXX XXXX in full detail that reveals the breakdown of the requested work that was to be performed by XXXX XXXX describing these services that I agreed to pay for.
If this paperwork has not been corrected with either one of these companies I need an explanation why? And if the documents were changed, why did I not get the change order of the treatment plan paperwork as well clearly stating I received crowns and not Veneers and the reason why? I received NO FURTHER CONSULTATION from XXXX XXXX describing the need to install ALL Crowns vs LABIAL PORCELAIN VENEERS which is what I asked and agreed to pay for, per my attached treatment plan. Furthermore, im also pointing out that I was charged for an Extraction that I DID NOT receive. This in and of itself warrants an investigation because the paperwork does not match the procedure.
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
XXXXX
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.
08/30/2023
Yes
Credit card
Store credit card
Problem when making payments
Problem during payment process
CA
93004
Web
Summary : On XX/XX/XXXX I created an online payment in the amount of {$260.00} using the bill pay function through the XXXX XXXX XXXX XXXX website for my Victoria Secret credit card balance. On XX/XX/XXXX the payment cleared my checking account. The payment was due XX/XX/XXXX. I reviewed my bank records and realized I made a mistake and submitted my payment for my old Victoria Secret credit card number, instead of my new credit card number. On XX/XX/XXXX I reached out to resolve the issue. I submitted a cover letter, proof of payment, and bank a statement from XXXX XXXX explaining my error. I requested Comenity bank connect my old account number with my current account number. In addition, I requested the payment I sent to my old account number with a {$0.00} balance be applied to my current account number with a balance of {$260.00} using my identifying information on file. This support of proof has been submitted online through Comenity bank websites secure message center at least four times. In addition, this proof was mailed three times, twice as certified mail. The latest correspondence received from Comenity bank dated XX/XX/XXXX stated they can not verify their bank received the funds for this payment with the support I submitted. I have not received a refund, nor have funds been returned to my bank account from this transaction. This supports the possibility that there was no error with my payment being received by Comenity bank. There is no other supportive evidence I could submit to prove the payment has been taken from my account towards my Victoria Secret credit card balance. My identifying information has been confirmed every time I have called, yet they can not find a payment from my bank account on file for my account balance. Correspondence received from Comenity Bank secure message on XX/XX/XXXX stated we wont collect the amount in question or report you as delinquent to the credit reporting agencies. They reported me to XXXX credit bureau on XX/XX/XXXX and XXXX credit bureau XX/XX/XXXX. I believe this is predatory lending. Below is a detailed timeline of this summary.
XX/XX/XXXX I created an online payment from my checking account through the bill pay function from XXXX XXXX XXXXXXXX XXXX. I scheduled the balance of my Victoria Secret credit card to be paid on XXXX to Comenity bank in the amount of {$260.00}. See addendum A XX/XX/XXXX I received a phone call from a Comenity bank representative asking to make a payment as my account was past due. I explained it was paid and reviewed bank details with her. She made a note on my account and suggested I send in support via electronic email. She will send me secure link to submit proof.
XX/XX/XXXX I received an email from Comenity bank with link to submit my paperwork proof from the phone call received on XX/XX/XXXX. See addendum B XX/XX/XXXX I received a letter from Comenity Bank dated XX/XX/XXXX stating they received my claim and are currently researching it. See addendum C XXXX I mailed a request for assistance to Comenity bank. This letter included a cover letter explaining the error, proof of payment, and two pages of my XXXX statement. Addressed to XXXX XXXX XXXX XXXX XXXX XXXX. See addendum D XXXX XXXX I called Comenity bank for status. A representative named XXXX said that it looks like the paperwork has been received as this dispute is in progress.
XX/XX/XXXX I received a letter from Comenity bank dated XX/XX/XXXX stating they received my claim and currently researching it. See addendum E XX/XX/XXXX I called Comenity bank for status. A representative said there was a letter mailed stating that the paperwork was received. They will not report it to the Bureau since its in a dispute and all charges & interest will be reversed.
XX/XX/XXXX I called Comenity bank for status. A representative confirmed my account was in dispute and the paperwork I mailed had been received. He sent an inquiry to the dispute dept. requesting they send me an update. He suggested I send in an inquiry as well. I received the link via email. See addendum F XX/XX/XXXX I received a letter from Comenity bank dated XX/XX/XXXX stating some of the information necessary to investigate your payment inquiry is missing. See addendum G XX/XX/XXXX I called Comenity bank for status. I spoke with representative regarding the letter dated XX/XX/XXXX. She said no paperwork had been received. She suggested I submit paperwork online and sent a secure link to my email. See addendum H XX/XX/XXXX I emailed Comenity bank a request for assistance. This letter included a cover letter explaining the error ( See addendum I ), proof of payment, and two pages of my XXXX statement. This is the same documentation previously emailed in XXXX, XXXX XXXX.
XX/XX/XXXX I received an email response from Comenity bank to check my secure message center inbox as a reply has been posted. This message in my inbox no longer exists. See addendum J XX/XX/XXXX I received an email from Comenity Bank to check my secure message center inbox as a reply has been posted. The message in my inbox no longer exists. See addendum K XX/XX/XXXX I received a letter from Comenity bank dated XX/XX/XXXX stating they received my claim and are currently researching it. See addendum L XX/XX/XXXX I received an email from Comenity Bank to check my secure message center inbox as a reply has been posted. The message in my inbox no longer exists. See addendum M XX/XX/XXXX I received an email from Comenity Bank to check my secure message center inbox as a reply has been posted. The message in my inbox no longer exists. See addendum XXXX XXXX I received a letter from Comenity Bank dated XX/XX/XXXX stating that they received a copy of my banking details. They are unable to track the payment with the information provided. See addendum O XX/XX/XXXX I called and spoke with a representative at Comenity Bank who was making a dispute follow up note on my account. She said on XX/XX/XXXX my dispute was re-opened. It will take another 90 days to process it starting from XX/XX/XXXX.
XXXX XXXX XXXX XXXX I received a call from Comenity Banks credit card department asking for payment. I explained I am currently disputing the payment. She spoke with a supervisor to see what they can do to stop the daily harassing calls. There are no notes on the account, and she cant see back to the XXXX payment. Their records only show that I missed a payment. She transferred to a supervisor. Spoke with a male supervisor. He said as of XX/XX/XXXX there was a letter mailed that states they have not received the sufficient information to confirm. I explained my error and asked if he could see my old account number. Then asked for his advice on next steps. Confirmed I have been a customer since XXXX. Suggested to mail in a new letter with both account numbers, include banking information, sign and date the letter. Mail to this address : Comenity Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a letter from Comenity Bank dated XX/XX/XXXX stating they received my claim and are currently researching it. See addendum P XX/XX/XXXX I mailed four pages of supportive documentation consisting of a cover letter dated XX/XX/XXXX, proof of payment ( Addendum A ), and a single page of my XXXX bank statement, unaltered and showing the payment taken including the transaction ID. This proof was mailed as a certified mail to Comenity Bank. The was addressed to XXXX XXXX XXXX XXXX XXXX XXXX
See addendum Q XX/XX/XXXX I received a letter from Comenity Bank dated XX/XX/XXXX, stating in their previous correspondence dated XX/XX/XXXX, some information necessary to investigate your payment of {$260.00} was missing. We are not able to accept a bank statement or payment confirmation to locate your payment. Give suggestions on how to resubmit additional information to support my claim. See addendum R XX/XX/XXXX I spoke with a representative at Comenity bank. Explained that I am being harassed by daily calls for the past week. I have an open dispute. She said it was closed on the XXXX or XXXX. Suggested that I go to my bank and get a letter written on letterhead stating that the payment was made. Submit that online to Comenity bank for the fastest resolution.
XX/XX/XXXX I had an appointment with XXXX XXXX, an officer at XXXX XXXX XXXXXXXX XXXX She assisted me with printing proof of payment on letterhead. The two pages were stamped with the official XXXX stamp and included her business card. See addendum XXXX XX/XX/XXXX I emailed cover letter dated XX/XX/XXXX, proof of payment on letterhead, and a single page of my XXXX bank statement, unaltered to Comenity bank website. See addendum T XX/XX/XXXX I mailed cover letter dated XX/XX/XXXX, proof of payment on letterhead, and a single page of my XXXX bank statement, unaltered to Comenity bank website. This proof was mailed as a certified mail to Comenity Bank. The was addressed to XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. See addendum T XX/XX/XXXX I received an email from Comenity Bank to check my secure message center inbox as a reply has been posted. Secure message response exists See addendum U XX/XX/XXXX I received a letter from Comenity Bank dated XX/XX/XXXX, stating they have received my claim and are currently researching it. See addendum V XX/XX/XXXX I checked my credit through credit wise application. XXXX credit bureau reports a delinquent account was reported by Comenitybank/Victoria reported on XX/XX/XXXX. XXXX {$360.00}. See addendum W XX/XX/XXXX I checked my credit through credit wise application. XXXX credit bureau reports a delinquent account was reported by Comenity bank/VCTRSSEC. Amount delinquent, XXXX. Payment status late 30 days. See addendum X XX/XX/XXXX I received a letter from Comenity Bank dated XX/XX/XXXX, stating they received my claim and are currently researching it. See addendum Y XX/XX/XXXX I received a letter from Comenity Bank dated XX/XX/XXXX, stating I recently contacted their office regarding a payment of {$260.00} that has not applied to my account. We are unable to verify our bank received the funds for this payment. We asked that you contact your bank to review the submission of this payment. See addendum Z XX/XX/XXXX I created an online payment from my checking account through the bill pay function from XXXX XXXX XXXX XXXX I scheduled the minimum balance of my Victoria Secret credit card to be paid on XX/XX/XXXX to Comenity bank in the amount of {$16.00}. See addendum AA XX/XX/XXXX I received an email from Comenity Bank on XX/XX/XXXX that my payment had been received. See addendum AB
03/28/2019
Yes
Debt collection
Medical debt
Written notification about debt
Didn't receive notice of right to dispute
VT
XXXXX
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
XXXXX
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.
07/20/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MS
38654
Web
Between XXXX to XX/XX/XXXX, I made several purchases utilizing the Victoria Secret- Comenity Bank Credit Card XXXX Between XXXX to XX/XX/XXXX, I made payments to satisfy the credit account. During this period, I was unable to log into the Victoria Secret-Comenity Bank payment portal, despite resetting my password several times. I kept getting error messages. The Pay Faster Without Sign In option could not locate my account. The site offered an alternative solution to make payments through the XXXX number. I utilized the telephone payment solution from XXXX to XXXX to satisfy the due payments, as I was not able to use the website. Also, during that time, I was not able to view my statements on the website. On XX/XX/XXXX, I wanted to pay the full amount owed on the account and bring it to a XXXX balance. When I called the XXXX number, I selected option three to hear the total amount owed on my account. The telephone automation service stated the total amount owed on the account was {$150.00}. The payment due date was XX/XX/XXXX. I made a payment of {$150.00} on XX/XX/XXXX to pay the credit card to a XXXX balance. After I received confirmation and the payment was posted, I understood the account balance to be XXXX dollars. After a couple of days, I called the automated telephone service and selected option XXXX to make sure the account had a XXXX balance.
On XX/XX/XXXX, I wanted to make a Victoria 's Secret purchase using the Victoria 's Secret-Comenity Bank Credit Card XXXX When I logged in to my account to make the purchase, I received notice that my credit limit was decreased by approximately {$1000.00}, and my account was past due. At this time, I was able to log into the Comenity Bank portal through the Victoria 's Secret website and view past statements. After reviewing my statements, I noticed Comenity Bank charge me a {$2.00} fee on XX/XX/XXXX, the statement closing date. On the credit card statement, under XXXX of Account XXXX, the following details are listed : Account No.
Previous Balance : + {$150.00} Payments : XXXX Other Credits : XXXX Purchases : XXXX Other Debits : XXXX Fees Charged : XXXX Interest Charged : XXXX New Balance : + {$2.00} From XX/XX/XXXX to XX/XX/XXXX, I received the following charges on the account : XX/XX/XXXX : Minimum Interest Charge : $ XXXX Actual Interest ( {$1.00} ) XX/XX/XXXX : Late Fee : $ XXXX XX/XX/XXXX : Minimum Interest Charge : $ XXXX Actual Interest ( {$0.00} ) XX/XX/XXXX : Late Fee : + {$6.00} XX/XX/XXXX : Minimum Interest Charge : {$2.00} Actual Interest ( {$0.00} ) XX/XX/XXXX : Late Fee : + {$14.00} XX/XX/XXXX : Minimum Interest Charge : + {$2.00} Actual Interest ( {$0.00} ) New Balance : {$30.00} It seems incredibly deceptive and abusive that Comenity Bank can calculate as little as {$0.00} in interest and legally charge me {$2.00}. That is XXXX times more than the interest charge calculated. As a result of the initial {$2.00} fee incurred on XX/XX/XXXX, I was charged {$30.00} in interest and late fees, received XXXX derogatory marks on my credit report, and my credit limit was decreased. All this over XXXX DOLLARS!!! This is ridiculous!
Please note : Normally, I use the Victoria 's Secret Comenity Bank website to make credit card payments. However, I was unable to log in. During my attempts to sign in, I received several error messages, despite resetting my password several times. The Pay Faster without Signing In option was unable to locate the account. The site offered an alternative solution to make payments utilizing the XXXX number. I used the XXXX number to make payments on the account from XXXX to XXXX.
On XX/XX/XXXX, I wanted to pay the account to a XXXX balance. The automated telephone service provided the total balance of the account, which was {$150.00}. I made a payment of {$150.00} to satisfy the amount owed on the account and bring the account to a XXXX balance. The payment due date was XX/XX/XXXX. After the payment was posted, I called the XXXX number again to confirm the account had a XXXX balance.
A {$2.00} fee was charged on XX/XX/XXXX, as a minimum interest charge.
From XX/XX/XXXX to XX/XX/XXXX, the account incurred several interest charges and late fees. The total amount due on the account was {$30.00}. I paid the amount in full on XX/XX/XXXX to end the derogatory credit reporting and interest/late fee accumulation.
I called the XXXX number to dispute the {$2.00} fee, detailed below. I was told by a Senior Account Executive, XXXX, that she messaged her supervisor to call me. As of XX/XX/XXXX, I have not received a call.
After looking through my call logs, voicemails, and emails, I noticed I have not received any telephone or email statement correspondence to inform me of a balance on my account. I have not received any telephone or email statement correspondence informing me the account was past due. I did not know the account was past due until I logged in to my Victoria 's Secret account to make a purchase.
The XX/XX/XXXX Call : After calling the XXXX number and asking for customer service, an associate answered the call. I was not able to catch her name. I asked about the {$2.00} fee, the negative credit reporting, and the subsequent fees incurred. She explained the {$2.00} fee was the result of residual interest, which is different from the total amount provided on the statement. I explained to her the automated telephone service provided the statement balance as the total account balance. She repeated the residual interest explanation and said I should have received several statements in the mail to inform me of the charge. I told her I had not received anything. She said I enrolled in paperless statements, so the notifications were sent to my email ( no statements were sent to my email ). She apologized several times for the inconvenience and stated she understood my frustrations. However, she stated the charges were valid. She did not offer a resolution to any of my complaints, and I asked to speak to a supervisor. She immediately transferred me to a supervisor.
Enter XXXX, the Senior Account Executive at Comenity Bank ( a title she provided ). Unlike the first associate I spoke with, XXXX did not offer an apology, empathy, or understanding. XXXX was very defensive and unobjective in her explanations. XXXX kept talking over me. I told her that us talking at the same time is creating a communication problem. I told her I would stop talking, let her speak, and then I would speak. XXXX told me to proceed with speaking and got quiet. Once, I started talking again, XXXX would start talking over me again. When I stopped talking, she stopped talking. When I started talking, she would talk over me again. This happened several times.
Like the first associate, XXXX offered the same residual interest explanation and stated the charges were valid, despite my telling her several times the automated telephone service provided me the total balance on the account to be paid.
When I started the automated telephone service provided me the total amount for the credit card ( option XXXX ), XXXX interrupted me again and told me I asked for the total amount not the full amount. I told her I did not ask for a total amount. I selected the option to hear my total account balance, which I assumed was the full account balance. ( How would Comenity consumers be able to tell the difference? ) I told XXXX the service does not offer a selection between a total account balance statement and a full account balance statement. XXXX repeated her subjective conclusion that I asked for the total amount, not the full amount. Calling me a liar.
After voicing my frustrations over incurring several late fees, interest charges, and negative marks on my credit report over {$2.00}, I tried to reason with XXXX and asked if I can pay {$150.00} to satisfy the total account balance, you dont think I could have paid the full amount of {$160.00} to pay the account down to XXXX. No response from XXXX. I asked for a resolution to remedy the situation. XXXX said she could waive XXXX late fee. She said I would have to contact the credit bureau to dispute the negative credit report. This information provided by the Senior Account Executive is false. Only Comenity Bank can request for the negative credit reporting to be removed.
To end the call, XXXX offered to transfer me to the payment solutions department. I asked to speak with her supervisor. After placing me on hold, she said a supervisor was not available. She offered two solutions : 1 ) She could message her supervisor and tell them to call me back. 2 ) I could call back. I asked XXXX what confirmation do I have that she messaged her supervisor to call me back? XXXX said I. Can. Either. ( In those words; speaking slowly ; with a pointed tone ) : 1 ) Allow her to message her supervisor and tell them to call me back. 2 ) I could call back. I told XXXX instead of answering my question, you just repeated yourself, so I repeated my question. XXXX said I can have her name and employee number. As of XX/XX/XXXX, I have not received a call back from her supervisor.
NO ONE would knowingly incur several late fees, interest charges, a credit limit decrease, and 2 derogatory credit marks over a {$2.00} residual fee. NO ONE. This is an abusive and deceptive practice that needs to end.
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
010XX
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
045XX
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.
07/23/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
WA
98466
Web
On XX/XX/2022 I attempted to login to my Ulta store credit ( issued by Comenity Bank ) card online account to make my monthly payment which was due on XX/XX/XXXX. However, I kept getting an error message that my password was incorrect. I selected the forgot password option and after XXXX separate attempts I was finally able to access my account. To my surprise my bank account was no longer linked to my online account. This credit card account has been open for about 9 months and my checking account has been linked to the account ever since to allow mart make payments. I proceeded to re-link my checking account to make my payment, but kept getting an error message that the checking account I was entering was already linked to the account. However, when I returned to the " make a payment '' screen I was promoted again to link an account to make a payment. After about XXXX attempts I gave up. The next day on XX/XX/2022, I again attempted to log into my Ulta online account and once again received the error message that my password was incorrect. I was suprised at this because I had just reset my password the day before and autosaved the password to my internet browser. I again went through the process of selecting the " forgot password '' process and reset my password. This time I was able to reset my password with one attempt. After getting into my account, once again I was unable to make a payment because the system kept prompting me to link a bank account to make a payment. I tried again to link my checking account, but the system continued to say the account I was trying to link was already linked to the Ultra online account as a form of payment. For the next 4 days I tried to make my payment, but was unsuccessful because I could not link my checking account to the Ulta online account even though the account had been linked for the previous 9 months the credit card has been open. On XX/XX/XXXX I attempted to call the Comenity Bank and was on hold for over an hour then hung up on. I attended to call for several days. On some days I could even get on hold. The automated system would say they are experiencing a high call volume and to try back later. Finally on XX/XX/2022 I was able to get through. I explained to the customer service rep that I was having trouble adding my checking account to make a payment which was why I was late and could they waive the late fee. I was told that in order to have the late fee waived I would have to make the XXXX payment and XXXX payment totaling {$50.00}. I explained I could only afford to make the XXXX payment of {$37.00} and didn't think it was fair I had to make both payment when I wasn't my fault the payment was late. He offered date the payment for XX/XX/XXXX and agreed. Unbeknownst to me, this didn't bring me current and a block was placed on my card. Days later, I went on to the Ulta website and tried to make a purchase for {$42.00}. I had recently received a credit limit increase to {$680.00}. At the time I had an available credit of {$470.00}, so a {$40.00} purchase should processed with out issue. I immediately called Ulta and was told about the hold. I explain the situation about not being able to add my payment and was told the department who could remove the hold was closed and I needed to call back the next day. The next day I called and after being on hold for XXXX minutes the system hung up on me. This happened another 3 times eventually I gave up for the day. The same day my XXXX store credit card ( also issued by Comentiy Bank ) was due. to my surprise when I attempt to login in to my XXXX store online account I had the same issues I had with my Ulta card online account. I had to reset my password and once again my checking was no longer linked and I could re-link the account because the system kept saying the account I was trying to link was already linked. I decided to go online to see if others were having issue with Comenity bank. I logged on to XXXX and did a search for the words " community bank. '' Shockingly there were numerous tweet of other having similar issues to mine and even worse. XXXX had attempted a system upgrade that was causing customer not be able to access their account or use their credit card, but XXXX was still charging late fees to customers. XXXX 's XXXX account was responding to the tweets with various canned responses : We apologize the recent upgrade to our system is taking longer that expected, You can use this link to our EasyPay site to make a payment; Please Dm us for help with addressing your issue etc. However, it should be know the link Comenity provided for EasyPay also did not work and was a bad link. When clicked the link took you to an XXXX error page. I then XXXX Comenity Bank and found their customer service number. After XXXX hours on hold, I was able to speak to a customer service rep who explained they have been having issue, but she could process my payment and waive any late fees if I had any. I told her about my previous experience with my Ulta card and how I wasn't able to use the card. She understood my frustrations and agreed it didn't seem fair, but I had to speak with a different department to have the block lifted. The department was closed so I would have to call back the next day. The next day I spent over 4 hours on the phone trying to get to the department to lift the block, but because my account was still in " past due " status everytime I called my call was rerouted to XXXX 's collection department. After speaking to the XXXX customer service rep I was able to get them to transfer me directly to the department. When I got connected I explained the situation to the customer serve rep and was told she need to get a supervisor to approve removing the block. After XXXX minutes on hold, she returned stating the supervisor had removed the block because it wasn't my fault my payment was late. The rep said refreshed her screen and the account was now available for use. I got off the phone an attempted to make my purchase through the Ulta app on my phone. The card was again declined. I called Ulta once again ad was told the block was removed but sometimes takes 24 hours to take effect and to make my purchase the next day. The next morning I again attempted to make my purchase on the Ulta app and the purchase was declined. I then called Ulta once again only to be gaslit by the customer service rep that my account was past due, she had not heard about any issue with comentiy customers having issues with making payments, and there was no record of me calling, or having the block removed. I hung up and called back, the next rep said she did see that the block was removed and my account had {$470.00} in available credit, but I would have to make my purchase in the store because their credit cards were having issues with processing online orders. I explain the promotion I was trying to get with my purchased required online ordering and in-store pick up for 10 % off. She then transferred me to the Ulta rewards department. They were unable to process my purchase, but gave me a {$15.00} e-giftcard for not being able to access the promotion. The next day, XX/XX/XXXX I went to the Ulta store to make my purchase, it should be know some of the item I originally wanted to purchase were now sold out. After ringing up my items I provide the e-giftcard and attempted to use my Ulta card for the remaining balance, the card was declined. I was so embarrassed after all the time I spent on the phone and numerous people telling me the card was active and available for use it wasn't. If XXXX system wasn't down I would have never been late and my card would be available for use. I should be able to use my available credit. I think its very unethical for XXXX to charge late fees, block card access when its their fault customers can't make payment because the system is down and hours long hold times on the phone. It should also be know unlike most store credit card you can not make a credit card payment on your Ulta credit card at brick and mortar Ulta stores. You can only make online, snail mail, or phone payments. I'm now told the block on my account will remain until the next billing cycle on XX/XX/XXXX. This is unacceptable.
10/28/2023
Yes
Credit card
General-purpose credit card or charge card
Incorrect information on your report
Account information incorrect
GA
30228
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sworn Affidavit Validation of Debt Date- XX/XX/2023 Notice To Agent Is Notice To Principal Is Notice To Agent ( I am putting XXXX on Notice ) Account numbers- XXXX Dear XXXX XXXX XXXX XXXX XXXX You stated that I owe you an alleged debt that I would like to be validated under the UCC, FCRA, FCPCA as accurate and complete.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnisher of information to provide accurate information ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am requesting a validation of debt request in accordance with 15 U.S. Code 1692g - Validation of debts. Which states ( 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 the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days 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 consumers 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.
If you are not able to validate this debt under 15 U.S. Code 1692g ( b ) that states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section 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 a 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.
Under my God-giving rights under this sworn statement affidavit statement saying XXXX can verify I own this alleged debt with a signed contract with my two wet signatures and the promissory note with my signatures under the penalties of perjury in reference to my rights under the UCC Code 3-308. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. Which states ( a ) in an action with respect to an instrument, the authenticity of, and authority to make, each signature on the instrument is admitted unless specifically denied in the pleadings. If the validity of a signature is denied in the pleadings, the burden of establishing validity is on the person claiming validity, but the signature is presumed to be authentic and authorized unless the action is to enforce the liability of the purported signer and the signer is dead or incompetent at the time of trial of the issue of validity of the signature. If an action to enforce the instrument is brought against a person as the undisclosed principal of a person who signed the instrument as a party to the instrument, the plaintiff has the burden of establishing that the defendant is liable on the instrument as a represented person under Section 3-402 ( a ). In order to validate and verify this debt is mine under UCC Code 3-308 there has to be proof of my signature on the contract ( instrument ) you want to collect debt on.
Under Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER V - DEBT COLLECTION PRACTICES Sec. 1692g - Validation of debts, please provide me with ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days 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.
( 6 ) Bill of sale ( 7 ) Proof of Purchase ( 8 ) Accounting Record ( 9 ) Proof of Contract ( 10 ) Privacy Notice ( 11 ) Balance Sheet ( 12 ) Proper Service ( 13 ) Full Account Disclosure ( 14 ) Interest Rate Sheet ( 15 ) Sign authorized Charges Furthermore, please send a certified contract not a photocopy of the promissory note to validate that this account is mines and that you are able to report on my credit profile. Please validate that this is a true bill that owe to XXXX. A true bill according to black law dictionary is an agreement of a grand jury with a prosecuting attorney that an indictment needs to be made against the accused person. True bill is stamped on the document. Please also send a lawful contract signed by both parties which makes it binding between both parties. Stating that XXXX and I have given substance according you the contract law of 1872. Also send all validation of debt and all paperwork linked to the alleged accounts with XXXX from the alleged creditor.
Please certify in a sworn affidavit under the penalties of perjury and color able law that all states of rebuttal to this sworn affidavit are true and correct to the best of your ability with your signed signature.
Please send me copy of this sworn affidavit via receipt of this affidavit Please respond in 10 days or this affidavit will then become binding according to contract law of 1872. Furthermore, I will have an opportunity to cue and place a judgment on XXXX.
If you fail to respond in 10 days I am going to presume the debt isn't true in the first place or it has already been paid in full I am respectfully requesting that if you can not provide the following information above that you delete and remove these accounts from my credit profile immediately. This inaccurate and untrue information is ruining my credit worthiness to purchase a home and under the United States Constitution my pursuit to happiness.
To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds, dishonor to commerce and a discharge must be granted to me according to the UCC CODE 9-406. DISCHARGE OF ACCOUNT DEBTOR ; NOTIFICATION OF ASSIGNMENT ; IDENTIFICATION AND PROOF OF ASSIGNMENT ; RESTRICTIONS ON ASSIGNMENT OF ACCOUNTS, XXXX XXXX, PAYMENT INTANGIBLES, AND PROMISSORY NOTES INEFFECTIVE.
Please respond back in writing with another sworn affidavit since that is the proper way to rebut another affidavit under UCC Code Article XXXX.
If you do not respond with the information requested I will have all grounds to sue for defamation of character under 15 USC Code 1681 s-2 ( b ) and 15 U.S. Code 168n- Civil liability for willful noncompliance. I will seek monetary damages from XXXX under the United States UCC laws if these accounts are not immediately removed from my credit profile.
01/16/2023
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
MA
017XX
Web
Hello, In XX/XX/XXXX, my XXXX XXXX XXXX account was transferred to Comenity Bank for debt collection. Just one account. I have documentation to proof that Comenity opened an additional 6 unauthorized accounts for debt collection. I would like to file a complaint against Comenity Bank for fraudulent debt collection. I have summarized my interaction with Comenity Bank from XX/XX/XXXX to XX/XX/XXXX in this document. I also provided documentation of the emails, postal mails I received from Comenity Bank and the phone conversations with them showing the multiple accounts and their method to confuse me about my current account status. I think I provided everything necessary, but if you find I omitted something, please let me know.
Sincerely, XXXX XXXX Comenity Bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, United States Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received letter from Comenity Bank informing me of the new account balance transfer from XXXX XXXX XXXX to Comenity Bank. Please note the a partial account number is provided and the letter states it is for account ending in numbers XXXX.
XX/XX/XXXX I received a letter from Comenity Bank informing me of my balance due for the account ending in XXXX. It is shown in my complaint with the payment due and balance due retracted.
XX/XX/XXXX I received an email from Comenity Bank. Subject : Confirming XX/XX/XXXX transactions on your account are accurate. Please note, an account number isnt provided.
XX/XX/XXXX I called Comenity Bank at XXXX, which is their general customer support number. I explained my purpose for calling was to obtain the full account number ending in XXXX, so I could make online payments. The call lasted 18 minutes as I was transferred a lot from rep to rep. The final support rep I spoke to ( I didnt write his name down ) told me he couldnt give me the full account number, and explained the full account number would be on the new card sent to me. So, I requested a new card and he said great, I should receive it in 24 hours-48 hours.
XX/XX/XXXX I received an email from Comenity Bank. Subject : Your monthly payment due date is different for your new XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Note the account number referenced in this email ends in XXXX and not XXXX. I now have two accounts with Comenity Bank for debt collection. The account ending in numbers is XXXX is fraudulent. I never authorized Comenity Bank to open a second account in my name.
XX/XX/XXXX I received an email from Comenity Bank. Subject : Heres the link you asked for. ( This email is in response to my conversation on XX/XX/XXXX asking for a new card so I would know my full account number to make online payments. ) Please note the account number in this email ends in XXXX.
Comenity Bank called me on this day and left a voicemail for me to call them back. Contact is XXXX XXXX extension XXXX. I called back XXXX and made a payment over the phone. I asked her for the full account number so I could make online payments, but she said she couldnt give me the full account number. I gave her the other account number ( XXXX ) and asked here which account was the correct one. The only thing she could confirm for me was the account ending in XXXX was the correct account for payment. The payment is shown on the XXXX statement for the account ending in XXXX.
I have also included a redacted copy of my Comenity Bank statement from XX/XX/XXXX. Please note the statement does not provide the full account number but it does end in the numbers XXXX, I previously confirmed with my conversation with XXXX on XX/XX/XXXX. I intentionally left the Details of your transaction information visible to show to you I was making regular payments. This will be the only statement from account XXXX I will add to this complaint.
XX/XX/XXXX I received a postal letter from Comenity Bank for account ending in numbers XXXX with their reply denying my request for a replacement card ( from my XX/XX/XXXX phone conversation ) so I could see the full account number in order to make an online payment.
XX/XX/XXXX I received an email from Comenity Bank. Subject : Your XXXX XXXX credit card statement is now available online. I still dont know my full account number which is required to log onto their site to make a payment. So this email is useless to me. Also, note the email doesnt reference any account number. I redacted the amount due on this document.
XX/XX/XXXX I received an email from Comenity Bank. Subject : XXXX, wed like to hear from you.
Note this email references the account ending in XXXX. Im still receiving mailed statements from Comenity Bank requesting payment for the account ending in XXXX.
XX/XX/XXXX I received a letter from Comenity Bank informing me of my late payment to my new XXXX XXXX XXXX XXXX XXXX Credit card ending in account numbers XXXX.
I received a letter from Comenity Bank informing me of my late payment to my new XXXX XXXX XXXX XXXX XXXX Credit card ending in account numbers XXXX.
I received a letter from Comenity Bank informing me of my late payment to my new XXXX XXXX XXXX XXXX XXXX Credit card ending in account numbers XXXX.
I received a letter from Comenity Bank informing me of my late payment to my new XXXX XXXX XXXX XXXX XXXX Credit card ending in account numbers XXXX.
I received a letter from Comenity Bank informing me of my late payment to my new XXXX XXXX XXXX XXXX XXXX Credit card ending in account numbers XXXX.
Thats right. Five letters from Comenity Bank received on the same day with different account numbers. Now, I have XXXX XXXX XXXX XXXX XXXX XXXX Credit card accounts, six of which are fraudulent, as I didnt authorize Comenity Bank to open any new accounts in my name. The account ending in XXXX is the only legit account.
XX/XX/XXXX I called XXXX XXXX extension XXXX to make another payment over the phone for account ending in XXXX. I couldnt reach her, but another rep took my payment over the phone.
XX/XX/XXXX I received an email from Comenity Bank. Subject : Your payment is due soon.
The account referenced is the one ending in XXXX. Ive included a redacted copy with this complaint.
XXXX XXXX XXXX I forwarded the email dated XX/XX/XXXX to XXXX with the subject : FRAUDULENT Account ending in XXXX Fwd : Your payment is due soon.
The content : XXXX, I received this notice to make a payment for an account ending in XXXX. I never authorized Comenity Bank to open this account ending XXXX. This is an illegal, fraudulent account. Please closed it immediately as I refuse to make payment to this account.
The true account in my name ends in number XXXX. I called Comenity on XX/XX/XXXX and I authorized a {$500.00} EFT payment/transaction only for that account. My account is up to date.
Please kindly reply to this email to confirm you have closed the fraudulent account ending in XXXX.
I will file formal complaints with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer Financial Protection Bureau for fraudulent debt collection.
Sincerely, XXXX XXXX I never received a direct email reply to my email above. And the payment date I reference in the email above was incorrect. Payment was made over the phone on XX/XX/XXXX and is shown on XXXX statement for account ending in XXXX.
However XX/XX/XXXX I received a letter from Comenity Bank. Its opening states, Were providing your XXXX XXXX XXXX XXXX XXXX Credit Card account number so you can make a payment on your remaining balance.
( So now, I finally have the full account number to make online paymentsbut this letter references the account ending in XXXX and not XXXX. ) I tried to log onto their XXXX XXXX site, but I receive an error message when I enter the account information in the letter they mailed to me for account XXXX. Ive included a redacted version of this letter with this complaint.
XX/XX/XXXX I mailed a check payment to Comenity Bank for the account ending in XXXX. The address : XXXX XXXX XXXX, XXXX TX XXXX Sincerely, XXXX XXXX
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.
03/11/2022
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Getting a line of credit
IN
46176
Web
I have a formal complaint against your company and XXXX XXXX XXXX XXXX.
Both companies discriminate against Patrons which are in good standing with XXXX XXXX XXXX XXXX and Comenity Bank by basing their denial simply because of the lack there-of credit and not taking into consideration their relationship with XXXX XXXX XXXX XXXX XXXX XXXX
Comenity Capital Bank and XXXX XXXX XXXX XXXX XXXX have partnered with offering a credit card connected to the MyChoice Program offered by XXXX.
The enrollment program stipulates the following : __________________________________ Open and use the XXXX XXXXXXXX to earn XXXX on all of your purchases You're invited to apply for the XXXX XXXX Credit Card today! Login below and start earning XXXX and Tier Points!
You must be at least 21 years of age and in good standing to be eligible for the XXXX XXXX XXXX XXXX XXXX. You must be the age of majority to be eligible for the credit card. If under 21, I understand I am applying for the XXXX XXXX and will not receive any comps, tier points, or other benefits from this credit card.
XXXX XXXX XXXX XXXX PROGRAM TERMS ( " TERMS '' ) FOR THE XXXX XXXX CREDIT CARD IMPORTANT NOTE : THESE TERMS CONTAIN PROVISIONS THAT LIMIT OUR LIABILITY TO YOU, ELIMINATE YOUR RIGHT TO A TRIAL BY JURY, REQUIRE YOU TO RESOLVE DISPUTES WITH US ON AN INDIVIDUAL BASIS AND NOT AS A PART OF ANY CLASS OR REPRESENTATIVE ACTION, AND THROUGH FINAL AND BINDING ARBITRATION. SEE BELOW.
These Terms govern the use of your XXXX XXXX Credit Card in the XXXX XXXX XXXX XXXX XXXX ( " Program '' ). Please read these Terms carefully for important information about your rights and obligations in the Program. By participating in the Program, you agree to these Terms.
In these Terms, " you '' and " your '' mean the Account holder. " We, '' " our, '' and " us '' mean XXXX XXXX XXXX. " Bank '' means XXXX XXXX Bank or its assignees.
The Program is provided by XXXX XXXX XXXX. XXXX XXXX XXXX is solely responsible for Program operation and may withdraw the Program or change the terms of the Program at any time. The purpose of the Program is to reward customers for their loyalty, including, but not limited to the use of their mycash XXXX Credit Card ( " Card '' ).
______________________________________________ Since I am an Owner with XXXX XXXX XXXX XXXX XXXX and I am in good standing within this company at the Highest Level of a Patron that a guest can achieve, my eligibilities are there, and my approval for this credit card connected to XXXX should have been approved based on the Terms and Conditions of the program for this joint venture for XXXX XXXX XXXX XXXX XXXX and Comenity XXXX Bank in connection with my Players Level and good standing.
This joint venture is a fraud and requires a level of credit profile to be approved, yet this credit level for approval is not disclosed within the application process. The approval level and criteria should be based on factors also related to XXXX XXXX XXXX. XXXX since it affiliated with the program to offer credit through your company for its players ( in good standing ). I think a guest that has reached the highest level of its promotional program should be a considered factor when considering credit under this joint credit card program.
I have determined that the Bank and XXXX XXXX XXXX XXXX has engaged in unfair and deceptive acts and practices in or affecting commerce, in violation of section XXXX of the Federal Trade Commission Act ( Section 5 ), 15 U.S.C. 45 ( a ) ( 1 ), stemming from the marketing, promotion, and sale of certain add-on products associated with its credit card programs.
Both companies are engaged in discriminatory lending by excluding basing credit on a person 's credit report, and not taking into consideration that persons relationship with XXXX XXXX XXXX.
Unfair, deceptive, or abusive acts and practices ( UDAAPs ) can cause significant financial injury to consumers, erode consumer confidence, and undermine the financial marketplace. Under the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services or a service provider to engage in any unfair, deceptive or abusive act or practice. The Act also provides CFPB with rule-making authority and, with respect to entities within its jurisdiction, enforcement authority to prevent unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. In addition, CFPB has supervisory authority for detecting and assessing risks to consumers and to markets for consumer financial products and services A representation, omission, actor practice is deceptive when ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances; and ( 3 ) The misleading representation, omission, act, or practice is material. There must be a representation, omission, act, or practice that misleads or is likely to mislead the consumer. Deception is not limited to situations in which a consumer has already been misled. Instead, an act or practice may be deceptive if it is likely to mislead consumers. It is necessary to evaluate an individual statement, representation, or omission not in isolation, but rather in the context of the entire advertisement, transaction, or course of dealing, to determine whether the overall net impression is misleading or deceptive. A representation may be an express or implied claim or promise, and it may be written or oral. If material information is necessary to prevent a consumer from being misled, it may be deceptive to omit that information. Written disclosures may be insufficient to correct a misleading statement or representation, particularly where the consumer is directed away from qualifying limitations in the text or is counseled that reading the disclosures is unnecessary. Likewise, oral or fine print disclosures or contract disclosures may be insufficient to cure a misleading headline or a prominent written representation. Similarly, a deceptive act or practice may not be cured by subsequent truthful disclosures. Acts or practices that may be deceptive include : making misleading cost or price claims; offering to provide a product or service that is not in fact available ; using bait-and-switch techniques ; omitting material limitations or conditions from an offer, or failing to provide the promised services. The FTCs four Ps test can assist in the evaluation of whether a representation, omission, act, or practice is likely to mislead : o Is the statement prominent enough for the consumer to notice?
This credit card application connected to XXXX XXXX XXXX XXXX XXXX is fraudulent, misleading, and in no way connected to their XXXX program ( unless approved ). The disclosures fail to mention that the applicant must be approved to be able to enjoy the programs and promotions offered by the MyChoice programs, thereby, I am filing a complaint with the Department of Justice, Indiana Attorney XXXX XXXX, and the FDIC to investigate my claims and to take legal actions and injunctions to correct these errors.
My credit application was denied for Lack of bank card information, lack of real estate. So I have to have a bank card and own a house to be eligible for the credit card, even though I am an Owner with the XXXX program. This is an unfair practice and failure to disclose.
I am demanding this program be corrected to include a proper disclosure between both companies and their personal involvement in this joint effort. The players who have achieved the highest level of MyChoice program be able to take advantage of an approved credit card. {$25000.00} in an award of credit through this credit card and/or through credit at a casino of my choice owned by 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.
06/16/2023
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Sent card you never applied for
SC
295XX
Web
Older American, Servicemember
I opened a store credit card for the XXXX XXXX XXXX sometime ago & have charged items, received bills & paid each of them in-full before their due date.
Recently, I purchased an item for {$92.00} at a XXXX XXXX store in XXXX XXXX SC. I received a bill for {$92.00} by mail on XX/XX/XXXX & paid the bill in-full on XX/XX/XXXX - & received confirmatin the bill payment had been received by XXXX XXXX XXXX credit card bank, Cominity Bank .
One month after making payment, I received another XXXX XXXX / Cominity Bank bill for {$120.00}. This balance included XXXX XXXX already paid a month prior, a {$30.00} late payment charge & {$2.00} in late payment interest.
Based on the foregoing, on XX/XX/XXXX I called the XXXX XXXX Customer Service phone number & was referred to Cominity Bank. After receiving no satisfaction with the agents I spoke with, I explained the situation again to a Cominity supervisor, XXXX Employee # XXXX.
XXXX explained that Cominity had close my credit card account for due to inactivity, & " somehow '' a new account was opened on my behalf. I told XXXX I'd not been informed of the account closing, & had never given my permission to open a new account.
She claimed the new account must have been opened by the XXXX XXXX XXXX, BUT I retorted that ( XXXX ) the XXXX XXXX XXXX had never indicated they weren't charging my item to the account I had every reason to believe was active, ( XXXX ) the XXXX XXXX XXXX employee did not ask for, nor did I offer, any information that would be used to open an account, & ( XXXX ) I never received any new account 'fulfillment ' mailing to indicate a new account had been opened for me- THUS I CONTENDED THAT THIS 'NEW ACCOUNT ' HAD BEEN OPENED ILLEGALLY WITHOUT MY PERMISSION.
XXXX went on to explain that I had payed my {$92.00} XX/XX/XXXX bill balance TO MY OLD/CLOSED without my knowledge account & the item purchased was charged to the new ( unauthorized by me ) account. Hence, the supposedly 'closed account ' was carrying a positive balance of {$92.00} & the 'unauthorized new account ' was carrying a negative past due balance of {$92.00} + {$30.00} late fee & {$2.00} late interest charges.
Emphasizing that I did not 'authorize ' openig any new account & had not been notified of either the closing of my account or the opening of a new account, I alleged this was an illegal account opening & demanded to know how that happened. XXXX said she'd initiate an investigation to determine what happened.
I also asked XXXX to : ( XXXX ) move the {$92.00} from the old account to the new account to satisfy the outstanding purchase balance, ( XXXX ) reverse the late payment & late payment interest amount - since Cominity 's own records ( I have a payment confirmation ) show my payment was made well before the payment due date, ( XXXX ) provide me with a Cominity Official Letter explicitly stating 'I had not had any late payments, late payment penalty or interest fees charged to me ' which I could use to refute ( directly with credit agencies ) if such a 'late payment ' indication were to appear in the future on a credit report. XXXX agreed to all of the foregoing ( items XXXX above ).
I next received a letter from Cominity indicating my dispute was under review & interim to final adjudication, I would not be charged for any late payment fees or interest. The letter made no mention of moving my {$92.00} XX/XX/XXXX payment from the old account to satisfy the balance of {$92.00} on the unauthorized new account. It did say I was responsible for all balances ( other than late payment & interest fees ) which I presumed would be covered by the proper allocation of my {$92.00} payment received by Cominity XX/XX/XXXX.
I called Cominity Customer Service XX/XX/XXXX & spoke to XXXX, Supervisor Employee # XXXX who assured me another Cominity letter was in the mail to me & that ( XXXX ) my XX/XX/XXXX {$92.00} payment would be applied to the unpaid balance in the unauthorized new account, ( XXXX ) the inappropriately applied late payment & interest fees would be reversed - my account balance in both old & new account would thus be {$00.00}, ( XXXX ) I would shortly receive Cominity letter stating I had had no late payments to any account for my use with credit reporting agencies if te need should arise.
I have never received any further correspondence from Cominity providing any of the information as XXXX promised.
On XX/XX/XXXX I did received an unsolicited check for {$92.00} from Cominity with no explanation. Recall, I had been twice promised by Cominity Customer Service Supervisors that the {$92.00} credit balance in my old account would be transferred/credited to the outstanding {$92.00} owed balance on the unauthorized new account. Thinking Cominity had decided to refund my credit balance & bill me for {$92.00} to clear the owed balance in the unauthorized new account, I deposited the Cominity check & awaited a new Cominity bill for {$92.00}.
On XX/XX/XXXX, I received a Cominity bill for {$120.00} - the original {$92.00} owed plus the XX/XX/XXXX assessed late payment & interest fees & a further interest fee for late payment.
I called Cominity Customer Service, XXXX employee # XXXX & then XXXX, Supervisor, Employee # XXXX, on XX/XX/XXXX. XXXX offered no useful information. When I told XXXX that XXXX XXXX XXXX ( both Cominity Supervisors ) had indicated on XX/XX/XXXX & XX/XX/XXXX respectively that I would not be charged any late payment or interest fees while my case was being adjudicated & yet here was a XX/XX/XXXX statement charging late payment interest beyond that assessed on XX/XX/XXXX, she had no answer as to why that had happened. When I inquire why Cominity had sent me a check for {$92.00} vs simply applying the {$92.00} credit balance in my old account to the {$92.00} owed balance in the unauthorized new account, she had no answer. When I asked why the 'dispute ' adjudication was taking so long - Cominity 's own records ( I have copies of the Cominity bills & confirmation of receipt of my payment in-full of the original balance on time ), she had no answer other than to say it could take 90 days to resolve & in the meantime, contrary to a Cominity letter I received & the statements of two Cominity Customer Service Supervisors ( XXXX XX/XX/XXXX & XXXX XX/XX/XXXX ) , Cominity would continue to charge late payment d ] fees & interest until my unauthorized new account was paid in full.
On a recorded line, I reiterated I am fully prepared to pay what I owe ( {$92.00} ) as soon as Cominity renders a bill to me for that amount - that balance appears no where on their XX/XX/XXXX statement - rather it shows I owe a balance of {$120.00}. I am not prepared to pay what is a full balance due ( {$92.00} ) only to have Cominity treat it as a partial payment & continue charging late fees & interest for their 'bogus ' balance due after paying {$92.00}.
I also inquired of XXXX when I would receive the letter from Cominity explicitly stating I had not had any late payments. She indicated nothing had been done on this matter to date, she'd request such a letter but ws n't su
re Cominity would provide it. BOTTOM LINE : Cominity is closing account without notifying t
he customer, opening new accounts without the permission of customers, & providing no adequate or timely resolution of their errors in billing & payment processing.
To my knowledge, opening accounts without customer permission is illegal & Cominity is doing its ' best to avoid responding to my queries re : how did this happen, & seeking to wear me down such that I'l just pay their bogus late charges to be ride of them.
In my XXXX some years of transacting with credit cards, & my XXXX years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I've never seen anything this egregious.
This needs to be dealt with quickly lest other no so aware Cominity customers are charged & pay inappropriate fees.
I look forward to your response.
03/17/2022
Yes
Checking or savings account
CD (Certificate of Deposit)
Closing an account
Funds not received from closed account
MD
XXXXX
Web
Older American
XX/XX/XXXX and XXXX, XXXX I bought two CD 's from the online bank " Comenity XXXX. '' I decided to close the 1-year at maturity, XX/XX/XXXX and close the 2-year at the same time even though I was to loose {$4.00} and some cents for early closure. I did so because their interest rates were below market rates elsewhere. The process for the 1-year went smoothly. I have received nothing from my 2-year CD despite claims that the money is no longer in my account and has been sent to my bank 's checking account. I have checked with my bank on several occasions and they have received nothing. Despite promises that a supervisor would get back to me, this never happened. Each time I emailed or called, I received a different response. Account numbers were mixed up depending on who you talked to. Time and again, I got the same message, " We'll get back to you in three to five business days. '' On one occasions, I spoke to XXXX, who seemed to understand my problem. I was wrong. Another time, " XXXX '' hung up on me ( XX/XX/XXXX ). Another strange thing is that there is a record in my account of the 1-year CD, but nothing relating to the existence of the 2-year. Thankfully, I have documentation. After reaching out to the SEC, they gave me your information and said to reach out. As a XXXX XXXX XXXX I am at my wits end. I need my money. Please help!
This is the first response : Dear XXXX, Thank you for contacting Comenity XXXX Customer Care.
We have received your request for additional information regarding Cd XXXX. This CD was closed on XX/XX/XXXX.
Please let me know if you have any additional questions or if I can be of any further assistance.
XXXX XXXX PM This response shows confusion as this is the wrong one for early closure : Friday, XX/XX/XXXX XXXX joined this conversation XXXX - XXXX, MO Product Support Operations XXXX l Dear XXXX, Thank you for contacting Comenity XXXX Customer Care.
Your request to close Cd XXXX prior to maturity is currently in process. Please advise if the funds may be returned to original funding account xxxxx.
Please let me know if you have any additional questions or if I can be of any further assistance.
XXXX XXXX XXXX Another : XX/XX/XXXX Hello, Yes I requested that the account be closed and that the funds be transferred to xxxx or xxxx as indicated in your prior message. Please confirm which account the funds were transferred to. Thank you for your patience in this matter.
XXXX PM 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.
Auto reply - XXXX XXXX Another : XX/XX/XXXX XXXX joined this conversation XXXX - XXXX MO Product Support Operations XXXX Dear XXXX, Thank you for contacting Comenity XXXX Customer Care.
Your request to close Cd XXXX prior to maturity is currently in process. Please advise if the funds may be returned to original funding account xxxx. ( This is the 1-year that was closed at maturity! ) Please let me know if you have any additional questions or if I can be of any further assistance.
XXXX XXXX PM Friday, XX/XX/XXXX XXXX joined this conversation XXXX - XXXX, MO Product Support Operations Specialist l Dear XXXX, Thank you for contacting Comenity XXXX Customer Care.
Your request to close Cd XXXX prior to maturity is currently in process. ( Wrong account again ). Please advise if the funds may be returned to original funding account xxxx.
Please let me know if you have any additional questions or if I can be of any further assistance.
XXXX XXXX XXXX Wednesday, XX/XX/XXXX Hello, ( Me ) Yes I requested that the account be closed and that the funds be transferred to XXXX or XXXX as indicated in your prior message. Please confirm which account the funds were transferred to. Thank you for your patience in this matter.
XXXX PM 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.
Auto reply - XXXX XXXX Thursday, XX/XX/XXXX XXXX joined this conversation XXXX XXXX XXXX XXXX, Kansas Consumer Deposit Specialist Dear XXXX, Your request to close your CD has been completed. The funds were returned to your linked external account xxxx.
Please let me know if you have any additional questions or if I can be of any further assistance.
XXXX XXXX XXXX ( Me ) Thank you for the update. To date, these funds have not appeared in my account. The {$1500.00} deposit cleared on XXXX. The {$2000.00} deposit has yet to show. Hopefully this will process soon.
Dear XXXX, Thank you for contacting Comenity XXXX Customer Care.
I reviewed your account and can confirm that your CD XXXX was closed on XX/XX/XXXX and the funds are being sent to your verified external account. It can take 3-5 business days for you to receive the funds in the external account.
Please let me know if you have any additional questions or if I can be of any further assistance.
XXXX XXXX XXXX Will do. Thank you.
XXXX XXXX XXXX joined this conversation XXXX XXXX XXXX, Texas Consumer Deposit Specialist Dear XXXX, Thank you for contacting Comenity XXXX Customer Care.
Please let me know if you have any additional questions or if I can be of any further assistance.
XXXX XXXX XXXX Friday, XX/XX/XXXX XXXX joined this conversation XXXX - XXXX, Mo Product Support Operations Specialist Dear XXXX, Thank you for contacting Comenity XXXX Customer Care.
Upon review of your account and recent dispute we have noted the below.
CD XXXX was closed out on XXXX. ( Prior response said XX/XX/XXXX ) The funds were sent back to the funding account ending in xxxx. We have had no returns. Item has been added to the dispute log.
Please advise if/when funds have been deposited in the account ending in xxxx.
We will watch for your response.
Please let me know if you have any additional questions or if I can be of any further assistance.
XXXX XXXX XXXX ( Me ) Was this in the amount of $ 2,000+ or {$1500.00}. I believe you are mixing up the account numbers. # XXXX was closed and sent to account XXXX when it matured. Nothing else from you has been sent to my bank. I am looking for my $ 2,000+ dollars that Ive been told was sent to xxxx. Each message from you gives me a different answer. I am still awaiting a call from a superviser that I requested an hour ago.
XXXX XXXX XXXX joined this conversation XXXX - XXXX MO Customer service Dear XXXX, Thank you for contacting Comenity XXXX Customer Care.
Thank you for the correction to the account # you are requesting about.
We apologize for the delay about the # XXXX request. ( Again, wrong account -- this has been closed and monies received! ) We are sending this dispute to the next level of support and you will hear back in the next 3 to 5 Business days on this secure thread.
Please let me know if you have any additional questions or if I can be of any further assistance. ( edited ) XXXX XXXX XXXX ( Me ) I have been dealing with this for over two weeks and there is always another 3 to 5 days. I am going to reach out to the Attorney General.
XXXX XXXX Monday, XX/XX/XXXX XXXX joined this conversation XXXX - XXXX Deposit Operations Specialist Dear XXXX, Thank you for contacting Comenity XXXX Customer Care.
We are currently researching these transactions and will reach out to you once we have additional information.
We do apologize for this inconvenience.
Please let me know if you have any additional questions or if I can be of any further assistance.
XXXX XXXX XXXX I have heard nothing since>
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.
12/15/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
LA
700XX
Web
Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by XXXX, COMMENITY BANK and XXXX XXXX XXXX XXXX
In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) 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 written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report.
Credit reporting agencies such as XXXX are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804. XXXX is not upholding its role pursuant 15 USC 1681. You ( XXXX ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act.
Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - XXXX continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history. You ( XXXX ) are in violation of Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). This Federal law protects the privacy of my student education records. I signed a privacy form, which indicated that my student loan servicer would provide my transaction history to any 3rd party company, therefore these must be deleted.
My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from XXXX, COMMENITY BANK and XXXX XXXX XXXX.As a violation of 15 USC 6802- you ( XXXX, COMMENITY BANK and XXXX XXXX XXXX XXXX XXXX communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission.
You ( XXXX, COMMENITY BANK and XXXX XXXX XXXX ) are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX, COMMENITY BANK and XXXX XXXX XXXX XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. 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 XXXX. 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. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
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
236XX
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
10/31/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Incorrect information on your report
Old information reappears or never goes away
IL
604XX
Web
Your basically hit my credit twice it a charge off. Then you and the collection company are hit my credit you cant do that but I need new information from this company. I want to be answered here so we can have more records of this. I will send an affidavit of truth. My own .I ask not be contact but you and collect agency have done so you will be hit with a fee scheduled.
I, a consumer in fact, agree with The Congress that you're nothing but an elaborate mechanism, developed to discriminate against me, based on the evaluation of my credit worthiness, character, and reputation Pursuant to 15 U.S. Code 1681 ( a ). Congress is letting me know here that you truly are NOBODY. Take Notice that Pursuant to 15 U.S. Code 1681 ( a ) ( 3 ), you have only assumed this vital role to evaluate my consumer report, without having any real authority or consent by the consumer to do so Pursuant to 15 U.S. Code 1681 ( a ) you have failed to exercise your grave responsibilities with fairness, impartiality, and a respect for my consumer right to privacy ; Pursuant to 15 U.S. Code 1681 ( b ) consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce. Accuracy is about equity and must be equitable to the consumer. Must be fair on both sides, but you werent acting fair when in your initial investigation, you failed to contact me to ask about the alleged transactions, when I am the only individual with actual first-hand knowledge, but only decided to take one side of the story. Pursuant to The Fair Debt Collections Practices Act, the following proofs of claim are requested Proof of claim : The Alleged Lenders involved in the alleged loans, did not purchase the promissory note from the consumer, hereinafter the Alleged Borrower. If not rebutted, this statement stands as truth Proof of claim : The Alleged Borrowers may repay the alleged loan with the same species of money as may be on the loan per GAAP, ending all interest and liens. If not rebutted, this statement stands as truth. A. Proof of claim : The Alleged Lender converted the Alleged Borrowers promissory note, accepting the Alleged Borrowers promissory note as money or like money to fund a check or similar instrument that the Alleged Lender then lent to the Alleged Borrower which has an economic effect similar to stealing, counterfeiting, and swindling. If not rebutted, this statement stands as truth. Proof of claimThe Alleged Lender has failed to follow Federal Laws 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) and/or 12 CFR 741.6 ( b ) regarding General Accepted Accounting Principles and Generally Accepted Auditing Standards concerning this loan. If not rebutted, this statement stands as truth. C. Proof of claim : The Alleged Borrower truly provided the money, transfer of funds money equivalent, credit, funds, capital, or thing of value, and they pursued to securitize it! If not rebutted, this statement stands as truth. Please provide me with the below mentioned items The amount you claim the Principal owes you. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( SOL ) period. * Show the Evidence that the company you hire is in fact licensed debt collector. Evidence of your license numbers and your registered agent. FACTS ON THE MATTER : 1. Fact, I so invoke nunc pro tunc, Pursuant to 15 U.S.C. 1681a ( c ) declare that I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in Due course of any and all derivatives thereof for the surname/given name and have been appointed and accepted being the executor both public & private for all matter proceeding, and I hereby claim that I will autograph as the agent, attorney in fact, and I furthermore Demand that you correct your reporting. Fact, Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a VIOLATION of my consumer right. It is a Fact that Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. It is a Fact that Pursuant Title 15 USC 1681a ( e ) - The production of an " investigative consumer report '' involves obtaining information about a consumer 's character, reputation, personal characteristics, or lifestyle through personal interviews with their neighbors, friends, associates, or others who may have knowledge of the consumer. This information is used to form a report that provides a comprehensive understanding of the consumer.Fact, I the consumer, original creditor do so extend my open ended credit on file to eliminate any verified debt, all valid debt must be verified and documented on record by wet ink signature, so be it, Fact, that I by this notice and demand declare I have no verified evidence for certified mailings, and again for the record, I have absolutely no knowledge of the alleged debts listed on your website, company records, or any and all derivatives therefore, of, and/or with any affiliates or agencies acting as a real party or a third party interlopers, I again state I have no knowledge of this indirect, unverified, debt, so be it.Fact, I am an eyewitness to the information by allegations against my name being incorrect, and I demand the documented verification of any and all derivatives for an alleged debt for any such debts alleged to be mine the consumer in fact, so be it.I do not know any of the alleged creditors and debt collectors, so be it. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds, so be it.Fact, I know that no valid direct verified contracts exist with me and another party by wet ink signature, I know that any attempt to collect a debt is actually alleged indirect action, please verify and document all verifications, accordingly, so be it.Fact, all allege contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud, so be it, and Demand that you stop sending me fraudulent bills Fact, natural person defined see 15 U.S.C. 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another, so be it
09/02/2017
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
OH
452XX
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.
05/15/2023
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
33436
Web
Older American
I KNOW THIS IS LONG VERY SORRY BUT PLEASE READ IT I COULD NOT MAKE IT SHORTER!!
Thank you Fraudulent activity on all 3 my credit reports from the three main CRAs .Fraudulent activities involve transactions made between XXXX and XXXX during that period of the I was not living in the XXXX was in XXXX XXXX - XXXX, XXXX XXXX, returning to XXXX Virginia in XXXX after a few months traveling around the XXXX by car until I settled in XXXX Florida apparently in mid XXXX then moved to XXXX XXXX Florida where I currently live after purchasing a condo. I live with my current girlfriend of approximately three years. I did extensive traveling while living outside the XXXX I moved to XXXX with my the woman I was involved with from XXXX till XXXX she was a XXXX citizen who I met while she was visiting a family of hers who was also a friend of mine. I left the XXXX while involved in a horrific divorce from a mentaly in women with a long history of involuntary XXXX XXXX due to behavioral problems caused by her XXXX behavior causing her to be a danger to self and others she had been diagnosed with XXXX XXXX with delusional thinking approximately 20 years prior. She became not completely with treatment and her behavior deteriorated to the point it was dangerous for me to be anywhere she could find me. The issue of my safety and that of my girlfriend was a very substantial factor in our choice to move to XXXX in XXXX where we stayed until XXXX. We moved to XXXX XXXX in XXXX and I returned to the XXXX in XXXX. Unfortunately I have almost no paperwork related to my time in XXXX primarily because I was truly hiding from my exwife she is a dangerous person and I had no clue what she was willing to do to harm me or worse and technically a XXXX citizen is not allowed to travel to XXXX or lived however enforcement is week. However as a citizen of a XXXX the Cuban government does not allow XXXX citizens to travel and live there for any extended period of time which is why I had to move yet again in XXXX relocating to XXXX. My relationship with my girlfriend at the time was in decline she had started the process to obtain a visa to come back to the XXXX with me in XXXX for her and the young daughter we could not legally obtain the documents required the relationship ended. It was time I came home my kids started having kids. While I lived outside the XXXX I returned a few times for short visits for major family gatherings. My children have no relationship with me ex wife so that was not an issue. My divorce paperwork states separated on or about XXXX of XXXX divorced in XXXX of XXXX will provide copy. I actually left my ex in XXXX living the marital residence where she remained until the house was sold in XXXX I will provide paperwork. I will also provide paperwork to support the above statement. Unfortunately it really begins after I moved from XXXX to XXXX, No banking information because both countries have no banking treaty with the XXXX. I have a lease from XXXX also paperwork related to the purchase of a home by an American in XXXX a document requesting long term residency which was required to open a business and become after being there well beyond the legal limit I need paperwork to allow me to say it was a the point the local cops who I was friendly with knew my name on sight. I have some of my girlfriends paperwork from XXXX still in XXXX that she provided to homeland to begin the process of obtaining a long term visa to return with me to the XXXX before we moved to XXXX.
I have tried several times to get the negative ideas of my XXXX credit reports and failed, this is not the first time I am filing out this exact paperwork and failed, I have contacted the last XXXX creditor on my credit report both by mail and on the phone dozens of times and failed, I have reported this and obtained documents from the ftc several times most recently on XX/XX/XXXX that reported I will also include it was mailed to the XXXX creditors with all other paperwork the ftc provided and that failed. The same information was sent to all three credit agencies and that failed. I am beyond frustrated. What I recently learned was why I cant fix this and I need help to get this fixed. I will send you what I think is enough for you to assist me if you need anything else please let me know and I will do my best to provide it.
The issue seems to have been created by two things the fact that I was living outside the XXXX in countries without banking treaties so I personally disappeared from the credit market in the XXXX. My ex continued at the marital residence until it was sold, she did move off for a short period to XXXX XXXX but returned I think because she was facing eviction. Her living in that house which still has the landline phone service I opened in XXXX when I purchased and moved into the house my lawyer told me I could not disconnect the phone after I moved out because it would seem like harassment. That cause my exwife to be able to assume my credit identity fraudulently. And the same situation is preventing my from getting my credit repair. Simply I start the complaint process with a credit card company or credit agency they basically look at 3 things phone contact information and address are two she was in control of both The third is if payment were being made and they were at first this shocked and confused me until I realized why. My ex wife is nuts but extremely smart, it is my belief that by making small payments and keeping the balances in control when she opened the credit lines she was able to build up the credit history which allowed her to build the credit limits in one case to {$5000.00}. In XXXX when the house was sold she then maxed out the credit lines and stopped paying. If you look a my credit history on all 3 reports it also supports the above statement. My history is perfect until XXXX and after XXXX when the house was sold. I have requested information by phone and in writing from all 3 creditors and they refuse to provide it I have been told basically the same thing by all three. You have protested this many times and lost the accounts are so old they have been written off and sold so long ago its to difficult to provide any information and that included who currently actually had the debt. This both seems crazy as I try to get information in my efforts to ger this fixed. How can I deal with this problem without so much as information about when and where the account was actually open plus no information about what was preceded where and when. Ridiculous and I violation of my rights under the fair credit acts. Also this letter seems like Im XXXX but unfortunately its what happened please really take the time to review what I said and the paperwork Im including. Im going to attach one document when I submit this and then update my file to send the rest I just need a break and yesterday at this point I tried to save it finish later and loss everything I wrote. I am also sending some information in it originally form and with a certified translation of the documents because I have to have them for the appropriate government agencies in the country I lived.
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
XXXXX
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
531XX
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.
09/19/2023
Yes
Credit 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
48326
Web
XX/XX/XXXX, Approximately {$270.00} was the original charge, Ulta Beauty XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX I am disputing this charge because of the following situation. Both because of the terrible service I received from Ulta Beauty AND Comenity Bank servicing this line of credit.
I had my original appointment for cut and balayage color on Friday at XXXX. The appointment lasted 5 hours and I left with a color far different than what I requested and lines where the dyed edges zigzagged jagged all around my head, not like a balayage I have ever had or what I asked for, nor did she give me the cut I asked for, she actually refused to. I came back the next day, Saturday XX/XX/XXXX at XXXX to see the same hair stylist to give her the opportunity to fix it. I was there for another 4 hours. She straightened the dyed edge lines, but at that point I had a diagonal line edge around my head, instead of a blend down the way a balayage is supposed to go and the color was still not the right color. After a few days, I came back into the store and spoke with the manager there to request my money back. She convinced me to try another fix with a master stylist form another store. I dont have the date of that appointment in my calender, but I went in for another XXXX hours about a week later with a different stylist and after working with my hair and trying a few things, she said that the previous stylist had damaged my hair so that it would no longer hold color and she would not be able to get it to the red that I wanted ( what I always have done ). She got the balayage blended although it had to be higher than I wanted it, but at least that was better. Finally, in a day or two, I received a call from a master stylist specializing in red hair from another Ulta store who said that she would be able to get the red that I wanted back into my hair despite what the last stylist said and what the first stylist had done. So, on XX/XX/XXXX at XXXX, I met with XXXX at a store far from where I live for a 3 hour appointment to try to get the color right. She was able to get the color closer to what I wanted, but not exactly. And about 2 weeks after the appointment, the color had faded almost to blond, because my hair could not hold the color, and still has not been able to hold any color since then when I try to have it dyed, so my long hair has been ruined. So, I wasted a total of 15 hours of my time and {$80.00} in tips to the stylists at this point for their time and effort, for my hair to be left ruined.
After I was tired of trying to reconcile this with Ulta, I decided just to pay the charge because I didnt want to deal with it anymore, but I knew after all those tips, I would have to make payments on the balance, so I waited for my statements, which never came from Comenity. So I downloaded the app to pay there ( I had an Ulta card in the past and was able to make payment to my card through the app in the past ), but because I didnt have a card and never got a statement, I didnt know my account number, so I couldnt log into the app. After about 3 months, I finally got a call from Comenity Bank and was able to request a new card so I could have my full account number and use the app to pay ( and made a payment by phone at that time ). I was not made aware that I had already started accruing late fees. Once my card arrived, I still was not able to log into the app or online because they had changed my account number and sent me a card with the wrong account number on it and when I called to get help, no one could assist me, they told me that I could continue to pay when I received the monthly calls from Comenity, so I continued to do that for several months, not realizing that I was only getting calls from Comenity AFTER my payments were already late and I had already been charged a late fee. In XXXX, when I got my call and asked how much I had left because I figured I should only have had about {$50.00} left to pay and I was going to pay it off, they told me my balance was {$380.00}, and I was dumbfounded. When I learned that I had been charged late fees of {$40.00} every single month for several months and knowing that I have already paid for more than my service was worth, the Comenity representative encouraged me to file a dispute for the entire charge. She said I have to dispute this charge, because the representative said she would not be able to reverse all of the late fees. And what a surprise it was to hear that I COULD NOT pay over that app after all of these months talking to people on the phone trying to get help logging in so that I could pay and NO ONE had told me this before then. There is absolutely no way that I will be paying {$380.00} more for a service that I never should have paid for in the first place. Especially not to a bank that has provided such awful customer service. After the first dispute, I received no correspondence from Comenity Bank until a couple of months later when I got a call to collect payment again. That representative told me that the dispute had been closed because they did not get information they requested from me. I never received any request of information from them. This representative filed a new dispute for me over the phone, and told me I will get follow up emails in this regard. I never received these emails and after about a month, started receiving late payment calls again. The next representative told me that they could not file disputes for me over the phone ( even thought the last representative did ). I also found out during a later call with my XXXX XXXX financial advisor on the call, that all correspondence was going to my messages online, at the account which I never registered because it required an account number which I only had the incorrect number. They told me they were expediting to me a new card so that I can log in online to see the messages regarding the information they needed to file the dispute. I just found out from XXXX today XX/XX/XXXX that they never sent me a card because they were not allowed to do so because my account was too far past due. XXXX is now telling me that I must pay {$100.00} to get my card current in order to be able to receive an actual card in the mail so that I can log in and file a dispute. I will not pay them more money than I owe. Now they are just telling me that they are noting I am refusing to pay them so they can further dock my credit. My credit score went from XXXX to XXXX and all of my other creditors lowered my limits, thus increasing my payments which is not throwing me into financial hardship. I need to file a complaint against Comenity Bank for allowing my balance to skyrocket without notifying me, giving me no recourse to make on time payments, like I usually do, providing terrible miscommunication and no help over these last 10 months, in fact making this situation ten times worse.
04/25/2022
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
GA
30115
Web
Hi, I was having a problem with the credit card company Comenity Capital Bank as the bank that issues My BJ 's Perks World Mastercard account.
Let me tell you the problem we were having, for once on XX/XX/XXXX, I was forgotten to pay my credit card bill with this company, I was paying for Purchases I made from ( XX/XX/XXXX to XX/XX/XXXX ) FULL BALANCE amount of {$1700.00}. 3 days late ( XX/XX/XXXX ) from the DUE date ( XX/XX/XXXX ) than I DO UNDERSTAND if the next billing cycle ( XXXX ) they will charge me for Fee charge {$29.00} and Interest Charge {$67.00} for the next closing date XX/XX/XXXX and the due date was on XX/XX/XXXX, for this fee was still makes sense.
Than I was paying FULL BALANCE amount of Purchase I made on XX/XX/XXXX to XX/XX/XXXX, with the GRACE PEROID between the XX/XX/XXXX through the DUE DATE XX/XX/XXXX, with the Purchases balance of {$2600.00} + Fee charged {$29.00} + Interest charged {$67.00} the FULL BALANCE I was paying on XX/XX/XXXX was {$2700.00}.
Which is mean I wasn't paying late because they was received my payment 5 days BEFORE the DUE date right?
But guess what on the next billing cycles my Purchased balance ( XX/XX/XXXX to XX/XX/XXXX ) was {$1800.00}. The Due date for this bill was on XX/XX/XXXX, with that mean I still got the GRACE PERIOD from XX/XX/XXXX to XX/XX/XXXX right?
They charged me Interest Charged of {$60.00}.
And again I was paying them FULL BALANCE OF {$1800.00} + {$60.00} ( interest charged ) TOTAL BALANCE PAID ON XX/XX/XXXX was {$1800.00}.
Which is once again I wasn't paying late AND was PAYING FULL BALANCE 8 DAYS EARLY.
When I call the company they said that I still have the residue balance from the bills that I was paying late, what residue that they talking about?
I was paying FULL BALANCE and that said I knew I don't have any residue payment because I was paying in FULL AMOUNT EVERY MONTHS.
Than on next billing cycles the Purchase I made from ( XX/XX/XXXX to XX/XX/XXXX ) was {$2200.00} AND THE WEIRD THINGS WAS THEY STILL CHARGED FOR INTEREST OF {$44.00} and when I call them AGAIN they said that I got charges for interest in BETWEEN THE GRACE PERIOD from my previous balance last months, how that can be? It's just doesn't make any sense.
I thought GRACE PERIOD means that they give us time to paying in FULL BALANCE BEFORE THE DUE DATE, right?
AND ONCE AGAIN I was paying FULL BALANCE ON XX/XX/XXXX of {$2200.00}.
for this billings cycle DUE DATE WAS ON XX/XX/XXXX AND that's mean I was paying EARLY IN BETWEEN GRACE PERIOD FROM XX/XX/XXXX to XX/XX/XXXX and I saw from my husband bank account they deducted our money on XX/XX/XXXX.
That is ALSO mean that I was paid EARLY for 10 days.
But they sent me email for the XXXX billings DUE ON XX/XX/XXXX FOR {$4700.00}.
HOW CAN THAT BE?
When I call them again the BAD CUSTOMER SERVICE SAID THEY DON'T RECEIVED MY CHECK FROM THE BANK?????
BUT THEY DID DEDUCTED MY MONEY.
Long story short they said that my bank was sent them check with wrong account number, that's just don't making any sense than my husband call his bank to making sure that they sent the money to the right account number and guess what they did, because I got the record of the bank sending them the check, I think they just make an excuse so they can be able to ROBBING me with all that ridiculous charges.
So because of their ridiculous explaination my husbands bank said if they still can apply our payment to the credit card bills or bank can pull the money back to my husbands bank account, if they can't apply the payment on my account.
So after I wait to making sure they get my money and that was recorded on the credit card statement at XX/XX/XXXX with the finance charge credit back to me of {$14.00}, but I still don't get it why on the same day they return my payment back to the bank for {$2200.00}. BUT the bank received the money back on the account on XX/XX/XXXX. Isn't that their tricks so I would GOT NEVER ENDING ridiculous INTEREST and FEE CHARGES?
SO than I call the credit card company again to PAY OFF all my DEBT plus the interest ALSO CLOSE MY ACCOUNT with them, ALONG with the {$9.00} fee to payment over the phone but guess what, the CUSTOMER SERVICE REFUSED, they not let me pay the {$9.00} FEE because I must pay the FEE for the next billing cycle, this is RIDICULOUS.
They try to TIE ME UP TO PAYING SUCH A RIDICULOUS CHARGES THAT IS NOT MAKE ANY SENSE, they try to PLAYING A TRICKS on me.
Since maybe they thought I not speak good XXXX, because XXXX are my second language, so they thought I won't do anything with them ROBBING ME.
So than I PAID OFF my DEBT with them FULL BALANCE AGAIN along with the DEBT from the BALANCE they returned to the bank + INTEREST, the total amount I was paying was {$5000.00}.
That mean the INTEREST was {$280.00}.
In my understanding was they did all this in PURPOSE so than they can get more INTEREST CHARGE from me by saying that they don't received my payment on XX/XX/XXXX and after we talk on the phone they APPLY the PAYMENT on XX/XX/XXXX to my card account, but because my DUE DATE was suppose in XX/XX/XXXX so that's mean they can't charge me INTEREST and LATE FEE or what ever FEE that might apply to my card, that is why they return my money to the bank.
And the funny thing is when I ask them for the {$9.00} over the phone Fee, if I pay over the phone again will I got charge {$9.00} again??
THE BAD CUSTOMER SERVICE said that I can pay by AUTOMATIC PAYMENT OVER THE PHONE, she said it's FREE of charge.
But guess what they TRICKING ME AGAIN, everytime I call the answering machine kept transfer me to the CUSTOMER SERVICE FOR XXXX, so than no way for me to paying the {$9.00} over the answering machine right?
Than I ask the guy who was taking my payment over the phone and tell him that his company kind like want to TIE ME UP to pay the {$9.00} over the phone Fee, again and again and again it will be never ending payment, than the guy said he will WAVE the {$9.00} fee, which is great I thought at first.
But I just got another Statement for payment DUE DATE XX/XX/XXXX, in that statement says I own them INTEREST CHARGED for {$28.00}.
WHERE THAT CHARGES COME FROM? Since I paid FULL BALANCE OVER THE PHONE, for {$5000.00}. on XX/XX/XXXX.
This last INTEREST CHARGE balance of {$28.00}, I won't pay them because I have the right to refuse to pay for the balance that I not owe them, since I was paying all in FULL AMOUNT for all the ridiculous reasons that they told me.
And because I was PAID OFF ALL MY DEBT and I was closed my account with them on XX/XX/XXXX, but they kept bill me for some charges that is not making any sense.
Please help me to resolve this problem, thank you so much in advance.
Hopefully with your help this BAD BUSINESS can be done correctly, and no one will get this problem any more with this credit card company.
Have a good day.
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.
05/11/2023
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
LA
71360
Web
Servicemember
On XX/XX/XXXX I wrote a certified letter, with return receipt to Comenty, the issuer of my Victoria 's Secret Card, to alert them that while I was in the process of moving, the home I was leaving had been broken into and that my card had been stolen. I advised that I had filed a police report and would forward it when it was available. I also filed a theft report with the FTC and forwarded that as well. In this letter I asked that Comenty cancel my card, be on the lookout for activity, which at that point would be unauthorized by me, and requested my XX/XX/XXXX statement be sent to me as soon as possible.
On XX/XX/XXXX I wrote to Comenty again, again by certified mail with return receipt, enclosing a copy of the police report filed and also a copy of a Louisiana Identity Theft Affidavit I filed as well. I again asked that Comenty cancel my card, lookout for activity since XX/XX/XXXX, which at that point would be unauthorized by me, requested my XX/XX/XXXX statement be sent to me as soon as possible and requested confirmation that an investigation had been initiated by Comenty as 10 days had passed since Comenty was alerted to the theft. On this date I also noticed that my account was also now blocked from being accessed via the internet or the Victorias Secret app.
On XX/XX/XXXX I wrote a third time to Comenty, again via certified mail, return receipt. At this point I still had received no response from Comenty concerning my compromised account, despite evidence that my prior letters had been received and now 45 days having passed since they were alerted. However, Comenty was now reporting me as late on my credit reports and not reporting that my account was under investigation. By this time evidence that my stolen cards were being used started to show up, since, as I mentioned, I was being reported late on an account that was previously carrying no balance. Because of this I filed a second police report, this time in the jurisdiction where I was now residing. I forwarded a copy of this second report and again requested that Comenty do what was required of them by law.
On XX/XX/XXXX, after more than 90 days had passed since Comenty was put on notice of the theft, and yet still had not responded to my letters, I wrote again. By this time, Comenty was still reporting me as late and now that my other card issuers had completed their investigations and forwarded evidence to aid the authorities in their investigations updated police reports were issued. I forwarded these reports to Comenty along with yet another plea to investigate and send me my statements which they had failed to do for the months of XXXX, XXXX, XXXX and now XXXX, while still expecting payment and reporting me as late.
I wrote nearly monthly until XX/XX/XXXX and never received a response from Comenty. To the best of my knowledge, Comenty never opened an investigation, and to this day I have never received the first statement, neither to my address, as requested, or electronically.
On XX/XX/XXXX I accessed my credit reports and saw the damage caused by Comentys repeated unjustified negative reporting on my credit reports despite refusing to ever investigate the unauthorized charges causing this negative information.
On XX/XX/XXXX I received two ( 2 ) nearly identical letters, one dated XX/XX/XXXX, one dated XX/XX/XXXX, from Comentys Account Protection Team disregarding my numerous prior requests to investigate my account and instead telling me that my account was now with XXXX XXXX and to direct all future inquiries to XXXX.
On XX/XX/XXXX I forwarded a response to Comentys XX/XX/XXXX letter instructing them to remove their tradeline from my credit report if they were not going to investigate my account.
On XX/XX/XXXX I forward another letter to Comentys Account Protection Team, this time enclosing copies of the first four ( 4 ) letters I sent to Comenty XX/XX/XXXX through XX/XX/XXXX, including copies of all of the certified receipts and signature cards and again, urged Comenty to either investigate or remove their tradeline from my credit. I also forwarded a copy of all of this to XXXX since Comenty maintained that XXXX had sole control of my Comenty account.
On XX/XX/XXXX XXXX responded to this correspondence and advised that they were investigating and had requested more information from Comenty.
On XX/XX/XXXX I received an update from law enforcement with respect to my initial theft complaint. I was informed that arrests had been made in my case and I obtained copies of the Bill of Information for the arrestees and forwarded those to Comenty making final demand for results on my account. I also forwarded this to XXXX.
Subsequent to sending XXXX XXXX a copy of my XX/XX/XXXX correspondence to Comenty, I received correspondence from XXXX dated XX/XX/XXXX advising that based on a review of their records, likely consisting only of the information copied to them in my XX/XX/XXXX letter, XXXX advised they have closed ( my ) account and ceased collections. ( I ) have no further obligation regarding this account. Three ( 3 ) days is all it took for XXXX to receive, investigate, review and close my account and remove it from my credit reports. It has now been nearly 18 months since I initially wrote to Comenty and yet they still refuse to acknowledge my issue, much less investigate.
On XX/XX/XXXX I received two additional letters from Comenty. One dated XX/XX/XXXX from Comentys Account Protection Team duplicating their letter of XX/XX/XXXX, only updating the date of the letter, but again, stating that XXXX XXXX was in possession of my account and had been since XX/XX/XXXX. The second letter from Comenty is dated XX/XX/XXXX and is from their Customer Care Team. The Customer Care Team wrote to advise that my account was sold to XXXX XXXX on XX/XX/XXXX. The letter goes on to state that they have validated my account, advising that my account was opened by me, on XX/XX/XXXX. It is rather insulting that Comenty, in an effort to again dodge the demand to investigate instead attempt to allege that I stated this account did not belong to me! Unfortunately, the account does belong to me which is why my credit is such a bad state because Comenty REFUSES to secure, protect and advocate on behalf of its customer. Interestingly, I wrote to Comenty from XX/XX/XXXX to XX/XX/XXXX before I ever received the first response from Comenty, dated XX/XX/XXXX. Customer Care is now responding to tell me that they sold my account to a third party the day after they wrote their very first response to me. This clearly shows that Comenty was well aware that there was a serious dispute attached to this account and still chose to sell it, wash their hands of it and yet continue to report this account negatively on my credit report.
09/21/2023
Yes
Credit 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
75189
Web
On XXXX, an unauthorized order was placed through XXXX for {$580.00}, onto my Sony Visa Card managed by Comenity Bank.
Consumer received an email along with an order number from XXXX indicating that an order had been placed through order number XXXX. Consumer contacted the merchant, XXXX responsible for the unauthorized charge to dispute and remove the charge and credit back my account. According to XXXX, the merchant stated that the order number XXXX did not exist and the merchant stated that an order that did not exist would not be able to be cancelled! Yet, my credit card was charged by the merchant.
After Consumer made an attempt to ask the merchant to remove the charge and cancel order XXXX, Consumer received an email indicating that the order was active but shipping was delayed. Therefore, Consumer contacted the merchant again to cancel the order and/or remove the charge/s from my credit card account and again, merchant insisted that the order was not a valid order. Due to the fact the merchant denied charging my credit card and denied activating the unauthorized order, Consumer contacted Comenity Bank to dispute the charge being fraudulent and unauthorized.
Comenity Bank stated that the charge would be removed and disputed with the merchant. However, on XXXX the merchant that was under dispute re-applied the charge {$580.00} back to the card that was closed under account number XXXX. As a result, the charge was applied and transferred over to the new card under account number XXXX that was activated on XXXX unexpectedly and without my authorization.
( Please reference Exhibit D-3 ) Under the rules of the Federal Trade Commission ( FTC ) , federal Mail, Internet, or Telephone Order Merchandise Rule applies to the following : If you cancel the order before it ships, the order must be cancelled and a full refund must be issued back to the buyer or consumer.
If theres a delay shipping your order, the seller has to tell you and give you the choice of either agreeing to the delay or canceling your order for a full refund.
On XXXX, Consumer contacted the Federal Trade Commission ( FTC ) online website, A businesses can not send merchandise you didnt order and then charge you for it. That means you dont have to pay for goods you get and that you didnt order.
( In this case, Consumer didnt authorize the order and when Consumer found out about the order that was apparently applied to my account. ) FTC continued to state, By extension, if you have canceled your order and the vendor acknowledged the cancellation, the same would apply ( In this circumstance, Consumer attempted to cancel the order with the merchant directly on XXXX. ) FTC further explained, You dont even have to return such merchandise, it seems, and can hold on to it as a free gift. Sometimes, sellers might send you a free gift or sample. Or a charity could send you a gift and then ask for a donation. You can keep such products and dont need to pay for them.
By law, companies cant send unordered merchandise to you, then demand payment. That means you never have to pay for things you get but didnt order. You also dont need to return unordered merchandise. Youre legally entitled to keep it as a free gift.
Sellers can send you merchandise that is clearly marked as a gift, free sample, or the like. And, charitable organizations can send you merchandise and ask for a contribution. It's your right to keep such merchandise as a free gift.
Consumer contends that merchant XXXX is operating business through deceptive tactics and therefore, in violation of consumer rights under the Federal Trade Commission rules and/or regulatory statutes.
XXXX admitted to the Consumer that the order DID NOT EXIST yet, email from XXXX stated that the order was processing and on XXXX charged Consumers credit card account in the amount of {$580.00}. Although XXXX claimed order # XXXX did not exist, XXXX charged Consumer {$580.00} on XXXX. Furthermore, merchant sent an email correspondence to Consumer on XXXX, at XXXX ( XXXX ) stating that order # XXXX was deemed DELAYED NOT YET SHIPPED! confirming that the order did exist.
( Please reference Exhibit A-2 ) XXXX has a policy for consumers that if any order from XXXX HAS NOT YET SHIPPED, THE ORDER CAN BE CANCELLED UPON REQUEST BY THE CONSUMER.
( Please reference Exhibit A-3 ) On XXXX, at approximately XXXX ( XXXX ) the Consumer responded to email sent from XXXX requesting from XXXX to cancel the order that XXXX referred to as nonexistent order during live chat between the Consumer and merchant, XXXX. Approximately 5 hours after the live chat conversation ended, at XXXX ( XXXX ), XXXX sent the Consumer a follow up email indicating that the order was now preparing to be shipped.
( Please reference Exhibit XXXX ) At XXXX ( XXXX ) XXXX sent Consumer a second follow up email indicating that the order XXXX had shipped and that package will arrive tomorrow ( XXXX ).
( Please reference Exhibit C-3, and C-4 ) At XXXX ( XXXX ) XXXX sent XXXX a third follow up XXXX showing a Final Invoice with a charge of {$580.00}.
( Please reference Exhibit XXXX ) On XXXX, XXXX applied charge/s to Consumers SONY VISA CREDIT CARD ACCOUNT {$580.00} XXXX XXXX, despite Consumer requesting to cancel the order with XXXX prior to package being shipped.
( Please reference Exhibit D-3 ) As a result, Consumer filed a claim with Comenity Bank to dispute the charge/s of {$580.00} with XXXX The Comenity Bank Fraud Department Intake Representative, identified himself as XXXX, stated to Consumer that Consumers Sony Visa Card account XXXX will be closed effective immediately and that no charge/s will be able to apply to the closed account.
On XXXX, XXXX sent XXXX a package with a follow-up email at XXXX ( XXXX ) stating that Package has arrived!
( Please reference Exhibit XXXX ) On XXXX Comenity Bank re-applied charge of {$580.00} without explanation and/or without result finalizing dispute opened on XXXX.
Even though, Consumer disputed the unauthorized charge/s with Comenity Bank XXXX XXXX recharged Consumers closed account {$580.00}.
Merchant, XXXX and Comenity Bank deceived and mislead the consumer on many instances. XXXX misconduct violates Consumers Rights counteracts the fairtrade between merchant and/or consumer. Comenity Bank failed to enforce policies that govern the financial banking dispute process/es.
Counter acting Comenity Banks own policy/ies and/or business practices corollary harbors suspicion in Comenity Banks moral and ethical standards of conduct. The dissension and internecine discord not only casts doubt in the integrity of Comenity Bank but concomitantly violates Consumers Rights under the Federal Trade Commission and the rules governed by the Fair Credit Billing Act of 1974.
05/04/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
WI
53092
Web
Description of Problem : XXXX and XXXX added XXXX $ charges on my account after I have paid my balance in full prior to my promotion expiration date on XX/XX/XXXX. Then, I was charged a full amount of retroactive fees XXXX XXXX This has caused a significant amount of stress and time to try to solve the issue unsuccessfully.
XX/XX/XXXX I opened a XXXX and XXXX Comenity Bank account for XXXX $ and I had to pay full balance by XX/XX/XXXX which I did.
XX/XX/XXXX I called the XXXX and XXXX representative and over the phone and she set up 2 payments ( stating it can not be done in one payment ). First payment was XXXX $ and the second payment XXXX XXXX On XX/XX/XXXX thieves broke into my car and tried to steal it and stole my checking book, besides other things, and the bank froze my account so the check did not go through.
XX/XX/XXXX I discussed my situation again with the Floor and Decor representative over the phone and your representative removed the XXXX $ late fee and documented that in her note ( also reflected in XXXX statement ) and therefore adjusted payments to two separate payments. Now the first payment was XXXX $ ( XXXX $ XXXX $ ) that was paid on XX/XX/XXXX and the second payment of XXXX $ that was paid on XX/XX/XXXX. Additionally, your representative did a credit adjustment of XXXX $ probably for a bounced check fee on XX/XX/XXXX. I specifically asked your representative if my balance will be zero after those 2 payments and she assured me that my account will be completely paid off with those 2 payments. I was willing to pay this extra XXXX $ fee and the proof is that I agreed to pay XXXX $ on XX/XX/XXXX but I was assured that my balance IS PAID IN FULL! Since those conversations are recorded please go back to it and review. If you review my XXXX statement my account balance was XXXX until on XX/XX/XXXX you added promotional to revolving fee of XXXX XXXX To this date I do not know what these XXXX $ are charged for?
XX/XX/XXXX XXXX and XXXX decided to add a XXXX $ fee on my account for unknown reasons to me and added a XXXX XXXX of XXXX $ stating that I did not pay my balance in full which is incorrect! I paid my balance in full and could not have known that they would charge me a XXXX $!
How can I pay something that I do not know you will charge me for? And you charged me this XXXX $ fee after my promotion ended on XX/XX/XXXX so I could not pay it to avoid a finance Charge of XXXX XXXX If your qualified agent does not know that you will charge me an additional XXXX $ when I spoke with her on XX/XX/XXXX how can I know?
I was on vacation in XXXX for XXXX weeks and when I returned home and opened my mail I found your XXXX statement shocking and very disturbing. I immediately called on XX/XX/XXXX and spent over an hour on the phone and talked to XXXX people. XXXX was a supervisor I spoke to and he filed a dispute and told me that no one did this intentionally but it is generated by the computer. Then, I spoke to his supervisor XXXX who was very kind and helpful and reviewed XXXX written dispute and since she found it inadequate she canceled that first dispute and created a new dispute # XXXX with more detailed information. I received 3 letters from Comenity : 1. That I opened a dispute. XXXX XXXX : That dispute was canceled and XXXX XXXX XXXX That dispute is opened- which reflects the above. New charges had now a minimum payment of XXXX $ due by XX/XX/XXXX. XXXX did not think that the dispute would be solved by then but assured me that they will freeze my account without further charges until the dispute is resolved. I expressed that I have a difficult time trusting them now considering that I was assured in XXXX that my account is fully paid off just to find new charges now. She suggested that I pay XXXX $ to avoid additional late charges and was told that it will be returned to me once the dispute is resolved. I paid XXXX $ on XX/XX/XXXX.
I received my XXXX statement without my account charges being frozen until the dispute is resolved and on XX/XX/XXXX an additional Finance charge of XXXX $ was placed on my account!
XX/XX/XXXX I called back XXXX & XXXX and spoke to 3 people : XXXX, XXXX and XXXX. XXXX and XXXX informed me that my dispute was closed NOT in my favor and that I have to pay a full balance.
XX/XX/XXXX I called XXXX & XXXX again and spoke to XXXX XXXX ( ID XXXX XXXX ) who informed me that my dispute was not even reviewed but likely accidentally closed and that XXXX was supposed to addend the dispute and not cancel it. She stated that she can not file another dispute for me. She sent an email to the dispute department supervisor to review my case and provided me with an address to mail my letter to a Billing Dispute to XXXX XXXX XXXX XXXX Ohio XXXX. I wrote the above letter and mailed it certified on XX/XX/XXXX and you received it on XX/XX/XXXX.
XX/XX/XXXX I called again and initially spoke to XXXX who claimed that I never paid my balance of XXXX $ in XXXX which is absolutely incorrect! Then I spoke to his supervisor XXXX, senior account XXXX, who informed me that I should have read all the fine print and that I was obligated to send XXXX & XXXX in writing my complaint which I was not told until XX/XX/XXXX. She filed another dispute on XX/XX/XXXX.
In the letter about my dispute you state If you have additional information or documentation to support your dispute, please send it.. I did not have additional info besides what XXXX documented in my Dispute # XXXX and therefore did not send a letter in XXXX.
I sent a second letter to XXXX & XXXX on XX/XX/XXXX with all my personal information and they were suppose to receive it on XX/XX/XXXX.
I called again on XX/XX/XXXX and checked my account balance that stated " No minimal payment due '' but still with outstanding balance of over XXXX XXXX
Today I received the letter that I am including for your review. They report that they concluded their investigation without clearly stating what is the resolution. My account balance remains over XXXX without minimum payment due. I called again and spoke with XXXX who interpreted the later for me and stated that dispute was closed and NOT in my favor. He confirmed that I do not have minimum balance due.
I had my financial adviser review statements tonight and conclusion is that I paid my balance in full To this date I have no solution to this issue but instead I keep receiving statements with new balances that are demanding monthly minimum payments and additionally charging me Finance charge of XXXX $ XXXX. I would greatly appreciate your help on solving this matter urgently.
Kind Regards, XXXX XXXX XXXX ( XXXX ) XXXX
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.
04/25/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
19146
Web
XXXX ; I am being charged late fees for unadjusted late fees, and am expected to pay something I am not responsible for due to misinformation by a XXXX XXXX representative.
I have an XXXX XXXX XXXX that I enrolled in during XXXX of XXXX. I have been on time with my payments and generally have a good credit score history. On XX/XX/XXXX, I lost my wallet and with it, lost my ID documents and credit and debit cards. I requested a replacement for my XXXX XXXX XXXX, along with replacements for all my other lost documents, and took one week to closely monitor any transactions on my accounts. My XXXX XXXX XXXX payment is due on the XXXX of each month, but that week between the monitoring of accounts, freezing my bank accounts, and stressing about losing important documents ( including immigration documents ), I did not make my payment on Friday, XX/XX/XXXX. I realized on the morning of Monday, XX/XX/XXXX that I was late with my payment and immediately called customer service for my XXXX XXXX XXXX. I made my payment and asked whether I could have the late fees removed since I had been on time with my payments and I was only 1 business day delayed with my payment. The representative I spoke with let me know the full late fee would be credited to my account in my next statement ( XXXX ) and reassured me that I did not have to worry about the situation. I confirmed at various points throughout our conversation that with my payment that day ( XX/XX/XXXX ) I did not have to worry about paying any late fees and that the next month statement would reflect that. The representative assured me that this was true : I would not be responsible for paying any of the late fees and my next statement would bring my account current. Basically, all late fees would be fully credited to my account. Throughout the month of XXXX and XXXX I made no further purchases on my XXXX XXXX XXXX, and based on my conversation with the Ultamate Rewards XXXX representative, I understood that I would not be paying any additional fees for my XX/XX/XXXX statement due date. On Monday, XX/XX/XXXX I received an email notification that my payment for XX/XX/XXXX would be {$67.00}. I was immediately alarmed because I had made no purchases at XXXX since XX/XX/XXXX, and thought this amount might have been unapproved transactions from the physical XXXX XXXX XXXX I lost in my wallet in XXXX. I logged onto my XXXX XXXX XXXX account and saw that this statement amount actually came from late fees. The late fees ( {$32.00} ) were not removed from my payment in XXXX, as the XXXX Representative said that they would, and it showed up as a transaction for my XXXX statement. Because I had not made a payment for my XXXX XXXX XXXX in XXXX, late fees were added to my XXXX statement, bringing the total statement balance to {$67.00}. When I realized this, I immediately called customer service for my XXXX XXXX XXXX. That same day, Monday, XX/XX/XXXX, I spoke to XXXX in customer service. I explained my situation and she said she could not credit me for the XXXX statement late fees but she would credit the late fees for my XXXX statement. She said I could place a dispute so that they could review the phone call from XX/XX/XXXX and if the representative did provide me the wrong information ( claiming to remove all late fees and that I was not responsible for paying them ) then XXXX XXXX would credit the XXXX late fees as well. I told her I agreed to go ahead with the dispute and was confident the truth would be in my favor. She said a representative would get back in touch with me to let me know the outcome, and I requested that I also get a copy of the phone call back in XXXX to confirm that the credit card company was doing its due diligence to investigate my dispute. On Saturday, XX/XX/XXXX, I received a phone call from XXXX XXXX and I believed it was in regards to my dispute claim. The representative, XXXX, was calling to collect my payment for my XXXX statement. I explained the situation and she connected me to XXXX. I explained the situation again, and expressed my disappointment with this situation. I let her know I should not be made financially responsible for a representative 's misinformation about late fees, and that I would not be making the payment for XXXX because I was not responsible for that statement balance since 1. ) I had not made a purchase since XXXX, XXXX. ) I did my part to communicate with my bank about my initial delayed payment in XXXX, and 3. ) I had been informed by the XXXX XXXX representative in XXXX that I was not responsible for paying any late fees from that point forward. XXXX explained that the records on my account showed that my dispute had been resolved and that the phone call in XXXX was not found and so could not be reviewed, therefore I was responsible for paying my XXXX statement balance. This is another issue, it wasn't until I was connected to XXXX that I was informed that there had been a resolution to my dispute, and had I not, would there have been even more charges to my account due to XXXX XXXX 's miscommunication? I once again explained to XXXX my exasperation with this situation and asked to be connected with someone higher up, because there was no way I should be penalized for someone else 's mistake. I was connected to XXXX, a Senior Account Specialist, who said there was nothing else to do and that XXXX XXXX would not credit this late fee, regardless of what the XXXX XXXX representative said during my XXXX call. I am extremely disappointed with the lack of understanding, communication, and overall professionalism from XXXX XXXX. As I repeatedly stated during my various calls with XXXX XXXX representatives, {$67.00} may not be much money to some people, and it might not even make a dent in this credit card company 's losses, but it is a significant amount for me and I refuse to pay for something that seems quite honestly like a credit card company scam : charging late fees on top of late fees after dishonest statements from a XXXX XXXX representative. The last thing I want is to have my credit score ( which I have so carefully built over the past 5 or 6 years ) negatively affected after this situation and on top of that, to have to pay something I don't believe I am responsible to have been charged in the first place. Credit card companies should be held to the same standards of accuracy and honesty as credit card clients, and should be held responsible for misinforming their clients.
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
XXXXX
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
08/22/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
NC
28173
Web
On XX/XX/XXXX, I was paying my XXXX credit card bill through my online XXXX XXXX XXXX app. I accidently put the wrong amount in ( {$2100.00} ) and " thought '' I canceled the transaction. I entered the correct amount of {$2700.00} and sent this on XX/XX/XXXX. On XX/XX/XXXX, I noticed my bank account showed two transactions to XXXX and the first one I made which was a mistake in the amount of {$2100.00} was paid ( even thought I thought I cancelled it ). I tried to call Comenity/Bread XXXX but I was not able to get through to request the refund. I called everyday, but I was not able to do do anything as their system was down. On XX/XX/XXXX, I was able to finally get through and access my account using the automated phone feature and was able to " request a refund ''. The automated response was I would receive my refund in the mail in XXXX business days. On XX/XX/XXXX, I called and verified my request for refund had gone through as I was worried they did not get the request with al of their recent issues changing over their system. The woman reassured me the refund had been issued and I would receive it any day. I called back 10 business days later and spoke to another agent who then informed me my refund was cancelled. He said he would resubmit it for me deducting my recent purchase of {$110.00} ( which now the refund would be in the amount of {$200000.00} ) to make my balance XXXX on my account. He said he was processing this electronically and I should receive the refund back to my bank account. I waited another 10 plus days and call on XX/XX/XXXX and I was told that the refund had been sent to my bank account on XX/XX/XXXX. I checked while I was on the phone and I had not received any refund. The agent then told me to call my bank and she would not be able to further assist. I called XXXX XXXX XXXX and spoke to the agent and she then told me that no refund was issued and that nothing was rejected as she looked over my account. She advised me to call back Comenity/Bread XXXX and inform them. I called back and spoke to a XXXX who then took my information and spoke to her " team '' who were going to look into the issue. She asked me if I had made any recent purchase totalling over {$2000.00}. I said no, and she said I had a " charge on my account '' in the amount of {$2000.00}. She told me XXXX would call me as soon as we hung up or before end of business day ( who is a supervisor ) and would be working to help me resolve the issue. No one called me. I sent a message to bread XXXXl and in 30 minutes received a call from XXXX on XX/XX/XXXX. I explained to her what happened and she said I needed to place a dispute on the " Charge '' and would then send another request for the refund. She was having issues processing the dispute. She said she would call me back once she got it to go through. She called me back and I was in a doctors appointment so I was not able to take the call. She left a message saying that she was able to submit the dispute. She said she would call me back once she was able to get the refund approved. She called me back later that afternoon on XX/XX/XXXX and said the refund was approved and that they would send it to be processed as a paper check. She said I would receive this in the mail no later then Wednesday XXXX as she was going to have this overnighted She said she would call me on XXXX to follow up. Friday, XX/XX/XXXX I still had not received the check in the mail. I called Comentiy/Bread XXXX and I was told by the supervisor she would email XXXX and all the managers who were assigned to my " case '' and let them know that I had not received the refund. As I was speaking to the supervisor, XXXX called me and left me a message saying she apologized for not getting back as she left work early Tuesday. She is not able to call anyone unless she is granted permission. I called on XX/XX/XXXX, spoke to another supervisor and they said that my dispute was received on XX/XX/XXXX, and that she did not see any refund. As I was speaking to her I saw yet another charge on my account that showed " refund '' but in another positive amount this time it was for {$2100.00}. I asked her why my refunds were showing up as a charge and not in a negative amount? She said that the dispute department would look into this and would see all of their case notes. She said she could not give me a date on when I would receive my refund but apologized for the constant misinformation I was receiving and for also not being able to let me know when I would receive my refund back. She also told me she would follow up with me on no later then XXXX NO ONE CALLED ME BACK. I called again today XX/XX/XXXX as I was told that there was nothing they could tell me other then my dispute was now received on XX/XX/XXXX and that it would take 30 to 60 days for me to hear the resolution. Not saying I would or would not receive my money back. This agent then told me to " Stop wasting my time and calling as it would not change the current status of my account ''. She also went on to say that " Even if I spoke to her manager that it wouldn't change anything as they would not be able to tell me anything or help me as we just have to wait until the dispute has been resolved by their dispute department ''. I told her that I will be calling back an I have the right to since you have over {$2000.00} of my money. I said that it was ridiculous they are collecting interest on my {$2000.00} during all of this time and that in 30 to 60 business days from XX/XX/XXXX, would put me in XXXX just for a response. Not to mention it would probably not be until XXXX I would receive my refund. This is absolutely the most ridiculous situation. When someone does not pay a creditor they are called if not daily asking where their money is and if they do not receive it they charge late fees and more interest on the amount owed to them. Here I am someone who overpaid and I can not get my money back. No, I get to make phone calls and be on long wait times to speak to someone and get no further ahead. I then get to deal with their broken computer system they are using that charges me every time they try to issue me a refund. Then when I do not pay this {$100.00} minimum payment due XXXX, I will have a late fee and interest charged to my account. No company who holds your money hostage should reap the benefits of making interest off of you- this should be paid to the card holder!
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.
10/04/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
VA
23602
Web
I purchased an engagement ring through XXXX on XX/XX/XXXX. This was financed through Comenity Bank through their partnership with XXXX. It was setup as an 18-month interested-free loan of {$7000.00} via a Comenity credit card. My plan was setup so that paying the minimum balance each month would result in completing all payments by completion of the 18-month time frame. The {$390.00} being paid each month would amount to over {$7000.00} after 18 months.
I was never sent an actual credit card tied to this account and all my paperwork referenced only the last 4 digits of my account number, resulting in even to this day, I have never been provided with my account number. Ive asked for it over the phone with customer service, and theyve consistently told me that it was against their policy to give out account numbers over the phone, even though I had provided all other identifying information for myself. For these reasons, Ive never been able to set up an online account for account management, and Ive made every payment through Comenitys automated phone service.
In XXXX of XXXX, I returned to XXXX to purchase a wedding ring to match the engagement ring. When going through this process, I brought up my worries about messing up my Comenity payments. I asked if I could have it done through a second account, and it was recommended to me by XXXX employees to keep it on the same account. I expressed further concerns about my desire to make sure that my initial 18-month financing of the engagement ring would not be interrupted by this additional purchase, and I was reassured on multiple occasions that I had nothing to worry about and that my initial 18-month financing would be paid off by XXXX, and I could focus on the remainder for just the wedding ring.
On XX/XX/XXXX at XXXX EST, I dialed into the pay-by-phone line, as I have in each month prior, and made my payment. The automated service relayed my current balance to me, which was much higher than I was expecting it to be. I used the automated service to recount the last 10 transactions on the card, which revealed a Finance Charge of {$2200.00} added to my account balance.
To investigate this charge further, I re-dialed into the pay-by-phone line on XX/XX/XXXX at XXXX EST in attempt to speak to a customer service representative. The customer service representative informed me that the Finance Charge of {$2200.00} was added due to outstanding balance on my 18-month plan. I discussed how I had made each payment that was expected of me, and that I really did not understand how I could be charged {$2200.00}, which my plan from the beginning was set up to be paid off in time, and I had made all of these payments. The customer service representative repeatedly informed me that there was nothing he could do, and that it was automatically added to my account balance.
I asked to speak to a supervisor and proceeded to speak to a senior customer service representative. The senior customer service representative took a look at my account and relayed similar information regarding the fact there was absolutely nothing they could do and that I would just have to pay the {$2200.00}.
At this point, I asked to speak to a 2nd level supervisor. This supervisor looked through my account as well. She confirmed that I had made all my payments and that these were made through the automated pay-by-phone service. She admitted that I had made each of the payments, as they were expected of me, but again, there was nothing that she could do and that Comenitys policy prevented them from removing any Finance Charges from an account. She informed me that these was information on my bill, however I have not received bills from Comenity for the last 2-3 months. Yet Ive continued to pay my payments through phone. During this conversation, my frustration has been building, and I am finally offered my only possible path forward, which is to write a letter of dispute. The supervisor also informed me that she knew the dispute would be dismissed and indicated that it wouldnt be worth my time. Regardless, she provided me with information to initiate a dispute.
From XX/XX/XXXX to XX/XX/XXXX, I made payments to Comenity totaling {$7500.00} ( see below ). This has well surpassed the initial 18-month loan I was provided. Furthermore, I was reassured countless times during this period that as I proceeded to make my payments, that they would complete my 18-month payments at the correct time. It seems as if, contrary to what was disclosed to me, the purchase of the wedding ring in XXXX of XXXX caused larger portions of my payments to go towards the second purchase, and not the original 18-month loan. I have always been diligent about making payments and I am not in any kind of position where I am not able to make my payments. I believe this Finance Charge of {$2200.00} on XX/XX/XXXX should have never been applied to my balance.
I am requesting that the {$2200.00} charge applied on XX/XX/XXXX be removed from my balance. Through XX/XX/XXXX, I have paid over {$7500.00}, exceeding the initial XXXX loan amount of {$7000.00}. I expressed to the customer service representative that I would be willing to pay off the remainder of my balance if this {$2200.00} could be removed.
Throughout this process, I have had fantastic service from the employees at XXXX. Id like to come out of this process with the ability to confidently recommend to all my friends and family to use XXXX and Comenity Bank for their jewelry needs. Up to this point, Comenity has not provided basic essentials to my payment process, such as my account number, a physical credit card, access to online account management, and any positive quality of customer service, yet I have still been sure to make my payments.
My wedding is this upcoming weekend, and this is an unwelcome stress that has been physically taxing on me. Please refer to my information at the top of this letter to review my account, as I still to this day have not been provided my full account number for my Comenity account. Please reach out by phone or email if possible, as my last 2 bills from Comenity never arrived, and I no longer your mail correspondence will be received.
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
752XX
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
XXXXX
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
12/05/2022
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
FL
34758
Web
This account is fraudulent and was not opened or authorized by me. I have contacted the company and the credit bureaus, but nothing has been done to fix this error, which is causing severe damage to my credit. The credit bureaus stated my account was properly investigated and reinvestigated, but how is this possible if the last date reported, payment history, and balance are incorrect? None of these charges or this account belongs to me, and they failed to provide proof or any information or actions taken to prove this account belongs to me. This is grounds for removal and violates my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1681 section I. States : Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material : ( i ) Certification of accuracy of information If any information is deleted from a consumers 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.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Additionally, the credit Bureaus took more than 30 days to respond to my written disputes, please see Exhibit A and when I filed the dispute online it took less than 24hrs. for a response, and failed to provided debt validation, of to complete my investigation attached, and provide requested documentation.
( 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 relating 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.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( 2 ) Duty to correct and update information 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.
( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
I want {$1000.00} per violation and removal of all inaccurate information, and removal of account that are listed in Exhibit A and B, and remove all late payments reported inaccurately and correct the missing payment history as outlined in below.
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
455XX
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
08/25/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
AZ
85338
Web
On XX/XX/XXXX I was looking at my annual XXXX credit report and saw there was a hard inquiry performed on XX/XX/XXXX that I didnt recognize. XXXX listed the company responsible for the inquiry as ComenityCapital/Land. There was no contact information listed for this company. I looked it up on a search engine and found it was most likely for a Lands End retail Visa card. I have never had any business with Lands End nor with Comenity Capital, so I knew this hard inquiry to my credit was never instigated nor authorized by me. I then submitted an online dispute to XXXX regarding the inquiry. From what I understand of laws surrounding XXXX XXXX, it was now XXXX job to contact Comenity and investigate the dispute. Comenity would then be required to provide proof to XXXX that I authorized the hard inquiry, which I knew I did not.
On XX/XX/XXXX I received notice from XXXX that the results of the dispute were available. I logged into my XXXX and found that they had decided that : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX COMENITYCAPITAL/LAND XXXX '' Because XXXX did not include ANY contact information for Comenity on my credit report, only the name, I used an internet search engine to find contact information for Comenity Capital Lands End Visa at XXXX and spoke to a representative. I explained that Comenity had done a hard inquiry on my credit on XX/XX/XXXX without my knowledge or consent. I told her that I have never had any Lands End card and I had never applied for one or any other line of credit from Comenity Capital. She asked me to give her my full name and full social security number, which I was uncomfortable with, but did give to her in an effort to resolve this issue. She found no record of any applications or credit inquiries for the date of XX/XX/XXXX. She did however mention that she did see that Comenity had record of a hard inquiry from XXXX, but that THAT hard inquiry wouldnt show up on my credit report because it was over two years old. I told her that that inquiry was also illegal as I had not initiated it nor authorized it in XXXX. I decided to focus on the issue at hand which was the inquiry from XX/XX/XXXX that is currenly on my XXXX credit report fraudulently and has lowered my credit score significantly by XXXX points. She said there was nothing she could do to help me because she had no record of the XXXX inquiry. I asked if they could contact XXXX and tell them they had no record of me or any inquiry so that I could get it taken off my credit report. She said no, that they would not contact XXXX and that I should contact them myself. I then asked to talk to SOMEONE that can take responsibility for Comenitys illegal actions or at the very least assist me in correcting them. The representative said she would transfer me to her supervisor, XXXX at Comenity. He also said he searched their system and archives and said there was no record of anything under my name or social security number and that there was nothing he could do to help me. He did tell me that from what he understood, once I submitted the dispute with XXXX, they should have contacted Comenity for proof that I authorized the hard inquiry. He doubted that XXXX had done anything other than an automated response considering that their investigation took less than XXXX hours. He said he couldnt give me any sort of document or report from Comenity stating that I had no account there and no record of an inquiry in my name or social security number because I didnt have an account with Comenity. He did give me the phone number to the Comenity Account Protection Team, XXXX, in case I needed to contact them again, as well as the phone number for XXXX, XXXX. He told me to call XXXX and ask them to assist me.
On XX/XX/XXXX I decided to check my credit reports with the other 2 bureaus ( XXXX and XXXX ) to see if there was anything amiss, or if the problem I was having with Comenity was limited to XXXX only. Both reports were fine and there was no activity that I did not recognize.
I then called XXXX at XXXX, and spoke with a representative and explained my situation. She said that the unauthorized hard inquiry could be removed if I got a document from Comenity stating they had no record of any account for me and therefore no proof that I had authorized the hard inquiry from XX/XX/XXXX. Once I obtained this document from Comenity, the representative said I should write a cover letter to XXXX about the situation, and make a photocopy of both my drivers license and social security card and submit them via XXXX mail to XXXX.
I then called Comenity again, explained the situation and that I had spoken to XXXX and they needed a document from Comenity stating that they have no record of me or any inquiry of credit. The Comenity representative hit me with the same brick wall I had hit the day before - They stated that there was nothing they could do because they had no record of any inquiry and I did not have any type of account with Comenity according to their records. She said there was no protocol in their system to deal with a credit inquiry of someone that has no account there. I explained that this was hurting my credit in a very negative way and I felt at a loss at what to do. She said she was sorry but they couldnt help me.
On XX/XX/XXXX I received a call from XXXX following up on a brief customer service survey I had taken after my call with them on XX/XX/XXXX. Again, I expressed my dismay at the fact that I was being punished unfairly and my credit was hurting for mistakes made by either/both Comenity and XXXX, yet neither company was willing to help. The XXXX representative then told me that I could file a complaint with the Federal Trade Commission. Once I had done that, he said I should write a cover letter, include a copy of the FTC report that I filed, and include a photocopy of my drivers license and social security card and send it to the address I had been given on the XX/XX/XXXX phone call with XXXX.
10/22/2023
Yes
Credit 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
03079
Web
Older American, Servicemember
Dispute Report with XXXX XXXX I ordered three pair of pants from XXXX XXXX for our daughter, who has XXXX XXXX and is very hard to fit. They carried a size I hoped would fit XXXX short and XXXX XXXX. The order number is XXXX, date XX/XX/XXXX, for a charge of {$76.00}. They offered free shipping if I opened a credit card, which I did. Three days after receiving the pants, which did not fit, I returned them via XXXX XXXXs which was not happy because I had to pay something in the vicinity of {$10.00} plus and take them to think it was XXXX XXXX. No problem there XXXX XXXX acknowledged that the pants were promptly returned, although it might take I actually am not precise but something like a week or two for the credit to appear.
The problem was when I received a bill for the full amount. At first, I thought it was just a crossed in the mail problem so I called Customer Service. Given the option to get the billing information by entering either my social security number OR the account number, I entered my social security number and received a message saying XXXX balance, nothing owed. Good news! XXXX received another bill so this time I called Customer Service to refund the late fee and again entered my social security number and found I had XXXX balance, nothing owed. Good news. NOT. I was beyond frustrated when I received still another bill with another late fee and interest charges for the same purchase, which had been long ago returned. Three more calls, same result XXXX balance, nothing owed. I finally managed to reach a PERSON at Woman Within who gave me the SAME information no balance, nothing owed. This was now taking my time, and I couldn't understand why. When my bank notified me on XX/XX/XXXX that I had an unpaid credit card bill, I couldn't imagine why or who, so contacted them and found it was XXXX XXXX This is what I sent to my bank and was confident this WAS the case : I heard nothing more from my bank, XXXX, where we are Private Clients. I did hear from Comenity Bank however. Their minions assured me I now owed something like {$98.00} for pants I had returned. And I assured them I didn't owe them anything. I think after the third dunning call, I asked to speak to a supervisor. His advice was to call XXXX XXXX, in spite of the difficulties of reaching a human there, since only they could straighten this out. I called XXXX XXXX. Finally reached a person who said no she could do nothing, since I was two payments late ... at which I asked payment for what? Well, I owed XXXX XXXX something like a {$10.00} plus restocking fee, a retroactive {$15.00} plus shipping fee because of the free shipping I had originally received. Most interesting that it cost XXXX XXXX with bulk rate shipping more to ship me the three pair of pants than I had to pay to return them. And nothing could be done, since I now owed two late fees plus interest and something like XXXX XXXX XXXX! For pants returned. This would be laughable, but please consider the poor folks who are hit with this sort of ridiculous charging. I ordered pants in XXXX, returned them, had made more than half a dozen calls to XXXX XXXX and Comenity Bank, calls assuring me I owed nothing. I was threatened with the terrible things that would happen to my credit rating and they did but, frankly, I am confident my credit rating will not be a problem. What is a problem I eventually found out, but it took HOURS of MY VALUABLE TIME was that when I entered my social security number, an OLD, I can't even imagine how old because it was so old it was no longer in their records, BUT when I entered my social security number an old account came up that was closed by the bank for inactivity. I had to think long and hard if I had ever used XXXX XXXX before, and I had for my XXXX XXXX XXXX one time, when she wanted something from them and I sent it. I obviously paid that bill, never used the credit card or XXXX XXXX until ... XXXXXXXX XXXX, but when I put my social security number in instead of an account number, that was what came up. A glitch in their sytsem, I would say. You are given the choice of entering either entering a social security number or the account number and I always knew my social security number. Bless the woman from XXXX XXXX whose research finally figured this out that I once had a XXXX XXXX Credit card, that they closed it for inactivity, and that I also was racking up charges and interest on a returned purchase because of THEIR additional charges which had nothing to do with the actual purchase other than I had returned the merchandise.
XXXX XXXX sent me back to Comenity Bank, where I reached a third level manager while I maintained I would not pay any late charges. I had been more diligent tracking this fiasco than most. I would pay the usurous original shipping fees, the unusual restocking fee for clothing 15 % approximately an no late charges. Or nothing. Takeit or leave it. Comenity 's agent accepted {$31.00}, and I have no idea how he came to that amount, but reversed all the late fees.
There are three things which concern me.
First, and most obvious, is how I repeated received a XXXX balance nothing owed message while accumulating interest, late fees, and additional charges on an account which did not show up on their automated system nor with the first XXXX XXXX person I reached.
Second, how dunning calls by admittedly people who could only manage their part of the system from Comenity insisted nothing could be done but that I pay. We have a daughter with XXXX XXXX and she would have paid, a justified charge or not, because she wouldn't know what else to do, and how many others would be in the same boat or so worried about their credit rating that they would pay, justified or not.
Third, the bouncing back and forth between XXXX XXXX and Comenity, both of whom assured me that THEY could do nothing, nothing, nothing, and only the other could help me. Help was in short supply.
I assume you will recognize that I made prodigious efforts to straighten out this mess. Surely, there is a better way.
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
630XX
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
XXXXX
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
XXXXX
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.
01/08/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
IL
615XX
Web
Older American
In XXXX, XXXX XXXX XXXX sold XXXXXXXX XXXX credit card to Commenity Bank. XXXX XXXX sent us a last bill which was due on XX/XX/22 for {$950.00}, we paid the bill electronically through our bank 's bill pay service on XX/XX/22 as we always did every month. The balance was transferred to Commenity and the payment was not credited. We contacted Commenity however they said that XXXX XXXX never forwarded the payment so we needed to address the issue with XXXXXXXX XXXX Our bank 's XXXX XXXX XXXX XXXX XXXX bill pay service contacted XXXXXXXX XXXX with us to help resolve the dispute. Our bank provided XXXXXXXX XXXX with proof of payment, XXXXXXXX XXXX still did not credit us.
Our bill pay service contacted them again on XX/XX/XXXX, our bank again provided proof of payment, initially XXXXXXXX XXXX refused to address the issue stating that we had to take the issue up with Commenity. Commenity says the payment was submitted to XXXX so it is not their problem. The payment was not submitted to XXXX, it was submitted though our bill pay service to XXXXXXXX XXXX as they were the ones that had billed us, so we paid that bill just like we did every month electronically.
Our banks bill pay service kept explaining this to the XXXX representative, eventually the XXXX XXXX representative stated that they located the payment and that they would send proof of payment on their part to Commenity, that never happened. We contacted XXXX XXXX again with our bill pay service, XXXX customer service rep said again that they never received the payment in the first place and denied that they ever said they had located it, even though the calls are recorded and the representative from our bill pay service was on the line and heard the same thing we did. XXXX said they could not help us and that we had to talk to collections Monday through Friday.
On XX/XX/XXXX we contacted collections, again with a representative from our bank 's bill services on the line ; XXXXXXXX XXXX stated that they had received the proof of payment from our bank but did not have a record of the payment on their side so they could not help us as they no longer serviced the account. Our bill pay rep asked to speak to a manager, we were transferred to XXXX with XXXXXXXX XXXX collections, he again said that although they received the proof of payment, they did not have any record of the payment and could no longer help us then proceeded to hang up on us. Our bill pay services have sent an affidavit with proof of payment to XXXX and requested the case be reopened. Our banks bill pay service also sent documentation to Commenity as did we multiple times, however Commenity just sent letters saying they needed more documentation, we sent the documentation but then Commenity said they have no record of receiving any documentation ( even though we sent it and our bank sent it as well ). The last communication we had with them they said they never received any documentation and they had closed the case out a day before they sent the last letter to us requesting more information. Commenity refused to speak with our banks bill pay service.
We sent the information in to the Better Business Bureau, they contacted XXXX ; XXXX sent a letter saying they looked into the missing payment twice and could not locate it and since they no longer service the account, we need to contact Commenity but did not resolve the issue. The XXXX XXXX XXXX asked us if this was an acceptable answer to us, obviously it was not as we still are out {$950.00} even though our bank sent the proof of payment and XXXX is doing nothing to resolve this. The XXXX just closed the case as unsatisfactory, but no other recourse.
I do not understand how these banks can take our money and no one seems to care. What recourse do we have? We provided both banks with our proof of payment however neither Commenity or XXXX has credited us. Now our banks bill service has washed their hands of it as well saying that Commenity would not respond to their attempts to contact them, so there is nothing more they can do to help us. We are still out {$950.00} as well as all of the interest to Commenity that has built up over the last 8 months as we have refused to pay the {$950.00} that we already paid. I get that the banks have somehow missed placed that payment, however we, the consumer, paid the payment and provided proof from our bank that it was paid, yet the banks refuse to accept that they lost our money and refuse to credit our account.
We further question the fact that XXXX bank sent us the bill in XXXX when they have told us repeatedly that they were no longer servicing the account in XXXX, so why ask us for money that was not legally due to them? Sounds like fraud to me. We did not arrange to have our account sold to Commenity, we had no control over that, but then they take our money and say so sorry, its not our problem and walk away with our money? And this is somehow okay?
We have spent countless hours on the phone arguing with these banks trying to get our payment credited. We as the consumer did nothing wrong. We submitted our payment to the credit card company as they had billed us, we used our online banking system to send that payment just like we had done month after month before and now, we are out {$950.00} and not one of these banks seems to care anymore, they just point the finger at the other bank and say its not our issue, you have to take it up with them. The banks just expect that we will get sick of fighting this and since they will no longer help us, we will just go away. Doesnt anyone care that the customer is out {$950.00} that we paid in good faith using a legitimate bill pay service? This is just wrong. Will you please help us?
We already tried to resolve this through the XXXX with XXXX with no success so we thought maybe you might have better luck with Commenity since they still have the account open however they refused to respond to our bank 's bill pay service. Please help us, we don't know what else we can do.
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
02/07/2023
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
06405
Web
Older American
XX/XX/XXXX Investigation Request Letter for Comenity BankXXXX XXXX XXXX ( I don't have account number because it was suppose to be closed. ) To Whom It May Concern : I received a copy of my credit report with the intention of improving my credit and taking care of my Responsibilities and noticed an account I would like a little more explanation on. I am not saying they are reporting right or wrong. I am saying I do feel that I feel it is inaccurate. I also read an article on the Fair Credit Reporting Act where it said by law I have the right to challenge anything I am not sure is accurate.
Are you familiar with something called 15 U.S.C. Section 1681i ( a )? I heard that if you cant provide proof, the account must be deleted. I would like this accounts deleted if it is not XXXX % right and correct.
Could you please check on this and get back to me? I saw on a Credit site and Board where the lawyer said you have XXXX days to complete the investigation. Please investigate the following account and remove them if anything is missing or not correct on them.
I demand the following account be verified or removed immediately.
Comenity BankXXXX This account was onpened on XX/XX/XXXX. I was ready to pay for my items at the counter when a young cashier who may have been new asked if I would like to open a XXXX credit card. If I did I would receive {$20.00} off a purchase of {$50.00}. I was approved and she told me to buy XXXX more item to make up the {$50.00}. I purchased a gift card for {$20.00}. When she rang the items up the gift card was not allowed. She had to refund all items. In order to give me the {$20.00} of again she had to do it manually XXXX by XXXX and take a percentage off. I purchased the gift card seperately for {$20.00}. After she was finished taking calculating everything I used the gift card to pay and I used my own XXXX to pay {$7.00}. this came to a XXXX balance. I asked if I owed anything more, because it was a long time consuming process by this cashier. We were both very confused, but again she said nothing owed. This was a nightmare and I walked out with a headache. I wished I never opened a XXXX card because it has done nothing but hurt my credit more. A month later I receive a statement from XXXX saying I owe {$20.00}. I called Comenity Bank several times and forwarded statements for proof which they claim they never received. I also said I wanted the account closed because I did not wish to keep this card due to such errors. They were rude! The amount is only {$20.00} which I could have paid with no problem, but it was the point of why I owed {$20.00} when my slip showed nothing. It has been some time now and they claim they called me in XXXX and I spoke to them and I never forwarded anything to them. Upon looking at my credit report I found that they added interest to this card. A {$20.00} cashier mistake and they want me to pay over {$300.00} for it.
Recently I called to see if I could settle and once again explained. I was told they could removed {$160.00} from the Recovery Department. I then talked to the debt department and XXXX guy was arrogant and when I asked to speak to his supervisor he informed me there was no one else he could let me talk to. He was so arrogant I hung up the phone. I called back and talked to another gentleman he said he could remove most of the fees and I would pay {$39.00}. I asked if he could then delete this nightmare from my account and he said no. I wasted about XXXX hours and was so upset because I called once more and once again another guy I cant call them gentlemen because they were just rude and I asked for a supervisor after him not listening correctly. Finally, I spoke to a nice woman who listened to everything and advised me give her the names of the agents so she can report them. She advised me to write a letter to XXXX and the credit bureau and explain just as I explained to her. This is why I am writing to you.
Once again I wish I never opened this account! I use to go in XXXX all the time, but no more. I have never had such trouble opening an account. As I said I immediately closed it and dont know why they left it open to tack on fees.
I tried to enclose some statements for proof, but they are in PDF form and it says unauthorized every time I try. I can perhaps print copies of the statements if you wish me to mail them to you. The first slip shows I was approved. The second shows the itemized items adding up to {$57.00}. The discount could not be used with a gift card on the itemized list. The second slip shows the cashier refunded all items except for the gift card which added up to {$37.00}. This is where the discrepancy comes in. {$57.00} minus {$20.00} equals {$37.00}. The third slip shows she itemized the items once again to give me the discount for opening the credit card. She discounted each item manually XXXX by XXXX. This now adds up to {$27.00}. The XXXX slip shows I paid this amount with the gift card I purchased with my own credit card. I paid the {$20.00} with gift card and used my mastercard to pay {$7.00} leaving me with a XXXX balance. I am totally confused by these actions. I dont understand why the card is still open all this time when I asked for it to be closed in XXXX during the dispute. Why would allow an account to obtain charges on a {$20.00} amount which would have been paid if explained why I owed {$20.00}. This does not make sense. Someone at the bank did not close the account as I asked. Yet this is my fault?
Before sending this to you, I tried once again to resolve this with Comenity Bank. I talked to XXXX in XXXX and was put on hold only to be disconnected. I called back and woman in XXXX was rude and said not her fault and tried transferring me to a supervisor which I waited XXXX minutes on hold for a supervisor to pick up. Again another nightmare and headache. This is the worse bank in my opinion to deal with. Rude, arrogant people.
Thank you
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
751XX
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
253XX
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
193XX
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
03/28/2023
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
33544
Web
Dear Sir or Madam, 1. Comenity BankXXXX 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 Comenity BankXXXX with 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, : SS # : XXXX Date of Birth:XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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
339XX
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
05/17/2022
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
Was not notified of investigation status or results
TN
37013
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 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 XX/XX/XXXX ( 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 Account number- 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 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
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
278XX
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
056XX
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
121XX
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
751XX
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.
12/02/2023
Yes
Credit card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with customer service
TX
75228
Web
There has been internal fraud happening on my credit card account with Comenity Bank. If you look at their reviews on XXXX, XXXX & etc. you will see similar complaints. In late XXXX XXXX, I set up a hardship plan with Comenity Bank for my XXXX credit card account. It was a 6 month plan that I was initially told would end in XX/XX/XXXX. My first payment was made XX/XX/XXXX. I paid consistently every month from XXXX XXXX XXXX, even making an extra payment in XXXX that was worth almost double the required amount ( which they refused to count towards the hardship payment plan ). I was told after 3 months of consecutive payments the credit bureaus would be notified & my account/credit would be updated ( which did not happen ). On XX/XX/XXXX I called in because my online account did not reflect completion of the hardship program as initially stated. I was informed the first payment made in may would not count and the last payment would be XX/XX/2023 and the hardship program would end on XX/XX/2023 which is not what I was initially told. At which time the account would be updated and the hold would be released. When this did not happen, I called in and got yet again conflicting information from several representatives. I initial customer service reps in the billing & customer service departments were kind and attempted to be helpful ; however, because this issue could only be resolved/addressed by the Hardship Department , they had to transfer me which is where the issue always arises. The Hardship department was deceptive when I spoke to them in XXXX, XXXX, XXXX, and XXXX. In today 's most recent events when they transferred me to the initial rep in hardship, she first misinformed me that my plan was XXXX months and not XXXX when she could not figure out the issue. She later acknowledged the plan is a 6 month plan and despite me making XXXX payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX the account is still in hardship status and unable to be corrected because of an error in the system. She stated she doesn't know how to fix the error. She also stated she doesn't know anyone who can fix the error, therefore she could not tell me when the hardship plan would end nor when my account would be updated. She said to keep paying on the hardship plan until advised otherwise. Unacceptable. She said there was no supervisor available to speak with. At this point I have made approximately {$1500.00} worth of payments since the conception of the hardship plan. I called customer service back to see if there was a supervisor available in hardship. The rep transferred me over to a man who pretended to be a supervisor, only to later admit he was lying and was indeed not a supervisor. He consistently talked over me and then told me he felt I should extend the payment plan another 6 months. I told him I did not want to and he kept trying to convince me. He then kept exclaiming that the hardship plan would not end until XX/XX/XXXX which yet again extends the life of the hardship plan. When I informed him this was not what I was informed last month he stated I was misinformed and the plan would not end until I made another payment in XXXX. I requested to speak with a supervisor and he kept talking over me and attempting to deflect. He then started saying they will tell me the same thing. I then requested his name and employee number at which time he was then all the sudden willing to transfer me to a supervisor. I asked another 3-4 times for his name and employee ID number which he stated was XXXX. He also began making erratic yelping noise. I hung up and once again tried to find a knowledgeable rep. The young lady I spoke with was nice in customer service. She attempted to call the hardship department and request a supervisor. Each time she did she informed me " the keep releasing the call ''. They refused to allow her to speak with a supervisor. She informed her supervisor and they made a report/complaint to higher-up departments. I verified that " releasing the call '' means they kept hanging up on her, a fellow employee. Previously when I would speak with customer service they were able to see notes on my account. It appeared the man who was previously in the account deleted them because they were no longer visible, and my account suddenly showed I was on a 24 month hardship plan when speaking to the last young lady. Please note : my issue is not with the last young lady in the customer service department, rather the deceptive reps in the hardship department. She was finally able to speak with a non-supervisorial representative who stated the plan indeed was only 6 months and should end XX/XX/XXXX, and the account should reflect this tomorrow. I decided to still move forward with the complaint because I keep receiving misinformation and encountering reps in the hardship department who continuously do and say deceptive things. As of today my account still does not reflect good standing, nor does my credit report reflect that I have completed the hardship program and my account is not delinquent/in good standing after XXXX payments, and {$1500.00}. I never had this issue when my XXXX account was managed by XXXX XXXXXXXX XXXX. Comenity Bank has been unethical from day one. I previously had an account with XXXX XXXX through XXXX and quickly paid the account in full and closed it because Comenity was so horrible. Other reviews have also stated issues with Comenity on websites like XXXX, XXXX and the XXXX. Some stating they paid their card off in full but their score is dropping each month because Comenity has not reported it. Others referring to them as " deceptive '' or " thieves ''. Something needs to be done about this company.
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
08/30/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
FL
337XX
Web
XX/XX/XXXX fraud was detected on my credit card with BJs commenity Bank. They closed my card and mailed out a new card.
Immediately after that Commenity had a company wide system update that locked people out of their account. Mine along with many others accounts were still affected including mine and my mom 's. I called back 2 weeks later when my card never arrived and at that time their wait time to talk to customer service was at minimum an hour due to the amount of accounts affected by their faulty system update.
The lady I spoke to told me to try back on Monday if the card doesn't show up before she sends another one out. So I waited until Monday and the card never came. But because I work and I'm busy and can not sit for 1.5 hours waiting to talk to a customer representative, I waited for a week or a week and a half and called back. The woman I spoke to set out the send me another card. She also was trying to work on my account because I expressed that there was a minimum payment due and I could not get into my account due to my card being canceled from the fraud and I can not get into their easy pay without the new account number from the card I didn't receive. She asked me to be patient and that she will work on the account and call me back. I never receive the card nor did she call me back. They assured me that they wouldn't charge the people that had their accounts affected with late fees etc due to it being out of our control and me specifically in my situation with the fraud and not having th card and not being able to get into anything to make any payments. I expressed I needed to get into my account or.make a payment but they couldn't take a payment from me at that time.
I waited a couple weeks for the card but that one didn't come either, However, I got an email from commenity that my minimum balance was due XX/XX/XXXX do.i thought, let me check my account to see if I can get in. I was able to for the first time on XX/XX/XXXX get into my account. I was locked out since XX/XX/XXXX. I noticed there was a interest charge and late fee. Two fees they said would not be charged since it was their issue with the system update that made it impossible to get into the wind and the fact that I had a special circumstance with the fraud and not having my card and couldn't use XXXX XXXX and when I called them 3 times now at this point they they couldn't take a payment.
After I got the email, noticed the charges, I called commenity to ask them why I'm being charged when over and over I was assured that I would not be since this was completely out of my hands. I had zero history with this account of even once being late or keeping a balance for over 2 weeks. Not one did I incur an interest charge. The man I some to said he was going to take care of it. He asked me to make a payment of minimum XXXX dollar and some change and I did. I soon after paid my entire balance except for the XXXX of late fee ad interest charge. He sent me to another representative to fix the issue of my card but arriving and sending me out a new one. That man came back telling me to call back tomorrow because there was an issue with my account and that another person would help me.
I couldn't call back tomorrow because I don't have an hour to sit on hold waiting for customer service so I called a week later when I had the time to spare. I had to explain again the situation and that I have some fees that incurred during their system update, my card is still closed from fraud back in XXXX, I never received the card, I need a new card sent, but can they help me figure out what's going on? He had no answers except that he could not get into my account and to call back later. I was frustrated at this point because I felt like a ping pong ball no one willing to help, sending me to the next person. I expressed that my concern was that I was being pushed from person to person and there has to be someone who knew what to do, a supervisor or something because this has gone on for over a month and I see no end in sight. Can not use my card, I have fees I didn't incur, now they can't get into my account and that isn't being resolved. Nevertheless, I called back a week later, leading to today.
I called in again, asked for a supervisor when the guy tried to do the same thing and the one last week. I can not get into your account, I'm so sorry, call back. I insisted he send me to someone who could help. I was transferred by that man told me he couldn't get into my account either, he listened to me when I told him the story from the day of the fraud and the system update and all the call backs I made and etc. He then accused me of lying to him, talked over me, gaslit me to try to make me the person in the wrong when I did everything I could have done. He didn't offer any solutions. He didn't give me any assistance but then hung up on me.
I want to close this account after the way they run their business. I want my fees to justifiably be removed as they were not incurred by me but by their system not working. But I also just want to put the complaint in about the way they handled this. I got this card to improve my credit so I can get a habitat house and save money on groceries and gas for BJ 's. I had the intent to use it properly and have been doing so. They had some crazy long system update that messed up people 's account and they couldn't solve the issue in a timely manner, asked for patience from me, which I gave plenty of and when I insisted someone help me instead of passing me off again and again and again ... I was called a liar and gas lit. This is a bank and they do business with BJS. I have requested to cancel my account but it falls on deaf ears. I don't know what else to do.
06/13/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
190XX
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
339XX
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 -
12/08/2023
Yes
Credit card
Store credit card
Problem when making payments
Problem during payment process
WA
98422
Web
Older American, Servicemember
In XXXX, XXXX I opened a XXXXXXXX XXXX XXXX through Comenity Capital Bank. I made XXXX purchases using their credit card in the amounts of {$540.00} & {$66.00} for a total of {$610.00}.
My first statement indicated a balance of {$540.00} with payment due XX/XX/XXXX.
On XX/XX/XXXX, I ordered payment in full via a check from my XXXX XXXX bank to Comenity Capital Bank in the amount of {$540.00}. When my payment had not been credited to my Comenity Capital Bank account by XX/XX/XXXX, I called Comenity Capital Banks customer service & was told that if my payment didnt reach them by the due date, I would be charged late fees as well as interest. I told the representative that Id already sent in payment to which she replied, Were not responsible for the US Mail. She suggested I call back or go directly to the store to try and resolve the matter. I was left feeling very frustrated by her attitude as well as concerned over the prospect of having to debate late fees and interest with a new credit card company, especially since I pay my accounts in full each month.
I decided not to do business with a credit card company who offers no alternatives when payments go missing, so I followed up with Comenity Capital Banks customer service via email and attached my Proof of Payment from XXXX XXXX. Comenity Capital Bank responded that my request had been forwarded to the correct department.
On XX/XX/XXXX, I logged into my XXXX XXXX account and discovered that my {$540.00} payment to Comenity Capital Bank cleared my bank sometime before XX/XX/XXXX. I logged into Comenity Capital Banks website and discovered that although they had cashed my check, they failed to apply any funds to my account. I then s
ent two separate emails to Comenity Capital Bank, attaching a copy of my proof of payment and check clearance. I also informed Comenity Capital Bank that I ordered final payment of my account in the amount of {$66.00}.
Comenity Capital Bank responded that until the best resolution for your concern, we wont collect the amount in question or report you as delinquent to the credit reporting agencies. They continued to deny receipt of my payment. To document this, Comenity Capital Bank sent me a letter dated XX/XX/XXXX in which they indicate my balance owing was still {$610.00}. They also indicate that I will continue to receive monthly billing statements until any balance is paid in full.
On XX/XX/XXXX, I received another email from Comenity Capital Bank in which they informed me that they had closed my account, and that they let the credit reporting agencies know that my account was closed at my request. While it was true, I did ask Comenity Capital Bank to close my account, they failed to inform the credit reporting agencies that the reason I closed an account a month after opening it was due to their fraudulent handling of my account, most notably, their refusal to apply payments received to my account balance.
Comenity Capital Banks reporting to the credit agencies without explanation will most likely negatively affect my credit rating.
On XX/XX/XXXX, I received another letter from Comenity Capital Bank in which they indicated they needed 90 days to complete their investigation and that during that time I will receive a temporary credit. They further stated that if their investigation proves no error occurred, the disputed transaction may be subject to applicable interest per your Credit Card Agreement.
I attach all related documents supporting the above. I also attached a XXXX XXXX statement showing both payments made to Comenity Capital Bank, the dates they were made, that the check sent on XX/XX/XXXX check cleared my account, and the check sent on XX/XX/XXXX is still outstanding. A screenshot of my Comenity Capital Bank account shows a XX/XX/XXXX statement balance of {$540.00} indicating they placed a temporary credit on my account not a payment.
I then received a letter from Comenity Capital Bank dated XX/XX/XXXX indicating the following, You asked that we transfer your payment from one account to another. That is 100 % untrue. How would I have any knowledge of Comenity Capital Bank putting my payment into someone elses account? Comenity Capital Bank continues, As requested, we transferred the payment of {$540.00} from the account ending in XXXX ( unknown account ) to the account ending in XXXX ( my account ). In other words, Comenity Capital Bank applied the payment meant for my account to some unknown account and then attempted to hide their incompetent and unethical banking practices by accusing and blaming me!
Please take note of the second screenshot of my account taken on XX/XX/XXXX Comenity Capital Bank still has not applied the second check sent to them on XX/XX/XXXX. Their website shows the statement balance for my account as {$66.00} with payment due by XX/XX/XXXX. I would assume they received my payment yet have no idea where to apply the payment. Maybe they should check their customers account ending in XXXX.
Is this financial fra
ud? Comenity Capital Banks continued mishandling of my payments, their continued denial of wrongdoing, their lies, accusations, and misreporting me to the credit bureaus must be investigated. They need to apply my {$66.00} payment to my account so I can close this file and be done with them.
Am I the only customer Comenity Capital Bank has treated in such a manner? I would assume most customers would simply pay the late fees and interest without challenging their business practices. But Im not one of those customers. I may be XXXX XXXX XXXX, but I can still recognize financial incompetence and deceit when I see it.
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
XXXXX
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
XXXXX
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
770XX
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
770XX
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.
10/28/2023
Yes
Credit card
Store credit card
Other features, terms, or problems
Other problem
DC
20007
Web
Older American
Sometime in XXXX of XXXX I was in XXXX and purchased a picture frame. The clerk was very convincingly trying to get me to open a XXXX credit card to get a discount on the frame. I never get talked into opening store credit cards. I only use two primary cardsXXXX and XXXX XXXX XXXX. But for some reason my judgment faltered and I allowed the clerk to issue me the credit card. I knew I would never use it and planned to destroy it when it came in the mail. I never got the credit card nor the bill for the frame. It was only XXXX and because it was such a small sum I forgot about it. About XXXX months later I started getting about XXXX calls a day from a No Caller ID. I didnt answer as I had been getting spam calls a lot but could block most of them. No one left a message for over a month but the calls were relentless and I finally had to turn off my phone. Finally a voice mail message was left and asked me to call Community Capital Bank but no other information. I researched the bank and concluded that it was spam as I had never heard of them. I got a couple more calls just like that which I ignored.
In XXXX my XXXX was visiting me. He had my phone while I was in class and noticed that a No Called ID no kept ringing. He picked up the phone and he said they asked for me and he said I wasnt available. They told him to tell me that XXXX was calling me. That was all. No further information. Shortly after he left and the calls kept coming it finally dawned on me that this must be about the picture frame because I couldnt remember if I paid. I was certain I had not received a credit card. So, I called XXXX and spent hours trying to get them to help me. No one knew anything about my supposed account and finally after talking to XXXX or XXXX people I finally was transferred to someone who said she would help. I told her I was being harassed daily but had not received a bill and didnt even know how or what to pay. We confirmed my address and she said she would take care of it and for me to rest assured about that. I told her if I owed money to XXXX that I wanted to pay it right away. I have this email.
The calls seemed to lessen a lot so I thought maybe they were taking care of it. But then they started up again and I got more voice mail messages to call the bank or something would be escalated. I tried on two occasions to call the bank. One time the phone just rang, and it was a strange sounding ring. The second time it answered with the sound of a fax machine. I still didnt know if this was to do with XXXX because XXXX was NEVER mentioned, only the Community Capital Bank . I then tried calling Community National Bank in Kansas and they had no information about me. Then I got a notice that my FICO score had dropped drastically. I joined the MYFICO site to get information because nothing was different with my bills/accounts. My FICO account showed that this Bank, which was not spelled Community Capital but Comenity Bank was responsible. The FICO representative suggested I call them which I did. I was pretty angry and spoke to a sarcastic lady and asked her to send me my bill. She said, so, you want to update your address? I said no Ive only had one address. I asked her where she had been mailing the bills and she wouldnt tell me. She told me to guess! I had been living overseas for the past 15 years so I told her unless it was an overseas address I could not fathom a guess. I had confirmed my address with XXXX so this was surprising to me that they had a different address. She never told me where they were sending my bills.
After I received the bill it had gone from XXXX to XXXX. I called XXXX and after telling them the same long story they suggested I contact you. I wanted to pay it and get it over with but they thought considering all that happened it would be best to go this route. My primary concern is my FICO and credit scores. Please know that I would never try to avoid paying this bill and I would never want to destroy my credit for a {$35.00} picture frame!! No one would! I think this bank did a lot to contribute to this situation. Never checked to see if my address was correct. Never leaving a coherent message as to why they were calling. Harassing me to the point where I had to turn off my phone. It was all such a huge waste of time and energy.
I do hope you will positively consider my claim and help me restore my credit rating. I look forward to hearing from you. Best regards, XXXX XXXX.
I am attaching a copy of the emails I mentioned above. Please see that they did have a reference no. I contacted her again and did not receive a response.
Dear XXXX, Thank you for contacting us!
Your request has been forwarded by our internal team. Rest assured that this is now routed with the relevant team.
If I may be of further assistance, please let me know. I'm here to help!
Sincerely, XXXX XXXX XXXX XXXX ref : XXXX : ref Hello Rissalyn They continue to harass me calling XXXX times today. They finally left a voice message but didnt say what it was about, just that it was imperative that they speak with me today or something could impact me????!
Can you please find out why they are calling. If I owe money to XXXX kindly advise or send me a bill so that I can pay it and hopefully these bank people will leave me alone. I can not block the call as there is no number to block. This has resulted in me having to keep my phone off at all times.
Thank you. Im looking forward to resolving this as soon as possible.
Sent from my XXXX
12/20/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
ID
83815
Web
To Whom It May Concern at ConsumerFinance.gov, below is a transcript of my emails with Comenity Bank regarding rewards in the amount of {$250.00} cash equivalent that Comenity is not giving me.
Secure Message Center I do not agree to allow you to have XXXX days to review this issue / dispute. I have been emailing about this issue for XXXX days already. That would be a total of XXXX months for me to get my rewards of {$250.00}. Does Comenity bank think they can operate the same as XXXX XXXX, in being deceiptful of customers and not honoring their word? Give me my rewards promptly, please. Thank you XXXX From : Comenity Bank Sent : Tuesday, XX/XX/2022, XXXX XXXX ( ET ) To : You Subject : Re : Other Message ID : XXXX Hello XXXX XXXX XXXX, I am a Senior Account Specialist with Comenity Capital Bank. This card is issued by Comenity Capital Bank pursuant to a license from XXXX XXXX XXXX. Your concerns were escalated to me. I appreciate your concern regarding the account. I can confirm a dispute was filed on XX/XX/2022. Please allow us XXXX calendar days to investigate. We will mail you a letter via US Mail once completed. I appreciate your patience while we are conducting our investigation. Thank you! If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team From : You Sent : Thursday, XX/XX/2022, XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Other Message ID : XXXX Same bull XXXX for XXXX months now. Please send me a check for the amount of rewards equal to the amount I could spend at the XXXX dealer for the {$250.00} you owe me plus my current rewards balance. Thank you XXXX XXXX From : Comenity Bank Sent : Wednesday, XX/XX/2022, XXXX XXXX ( ET ) To : You Subject : Re : Other 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 from XXXX XXXX XXXX. I'm here to help with your account needs. Please accept our apologies for any inconvenience you've experienced. As the bank that manages your XXXX Rewards Credit Card, we want to let you know that we'reworking hard to fix the rewards issues caused by our recent system update. We understand that this may be frustrating and inconvenient. If you have any questions, please click the reply button. Sincerely, XXXX XXXX Internet Customer Care Team From : You Sent : Monday, XX/XX/20XXXX XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Other Message ID : XXXX Where are we on issuing this rewards credit? Thanks XXXX From : Comenity Bank Sent : Thursday, XX/XX/2022, XXXX XXXX ( ET ) To : You Subject : Re : Other 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 from XXXX XXXX XXXX. I'm here to help with your account needs. Please accept our apologies for any inconvenience you've experienced. We are working diligently to restore this capability as soon as possible. We assure you, your reward points will not be negatively impacted by this disruption. Please know this issue regarding your rewards program is temporary. We are committed to resolving this matter quickly and providing you with updated rewards information as soon as possible. For us to best assist you with this concern, we ask that you please speak with a live representative. Please call our Customer Care team at XXXX at your earliest convenience. If you still wish to close the account we request you to write back to us. Please let us know if you have any further questions. We're always happy to help. Thank you for taking the time to reach out, and have a great day. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team From : You Sent : Saturday, XX/XX/2022, XXXX XXXX ( ET ) To : Comenity Bank Subject : Re : Other Message ID : XXXX FYI, if I don't get the rewards on the {$5000.00} purchase at the XXXX dealership, I will close the card. XXXX From : Comenity Bank Sent : Thursday, XX/XX/2022, XXXX XXXX ( ET ) To : You Subject : Re : Other 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 from XXXX XXXX XXXX. I'm here to help with your account needs. I certainly understand your concern. We're temporarily unable to see some account information and help with certain needs. We apologize for the inconvenience and understand your frustration. Please be informed that we are updating our systems, and you will see a delay loading the rewards and the account will be updated to reflect the correct earning activity as soon as possible. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I recently made a {$5000.00} payment on my XXXX rewards card. The reward for this transaction shows as XXXX. A transaction after at the same XXXX dealer has rewards on it. I show this transaction should have {$250.00} in rewards for this transaction. Please let me know. Thanks XXXX XXXX From : You Sent : Thursday, XX/XX/2022, XXXX XXXX ( ET ) To : Comenity Bank Subject : Other Message ID : XXXX I recently made a {$5000.00} payment on my XXXX rewards card. The reward for this transaction shows as XXXX. A transaction after at the same XXXX dealer has rewards on it. I show this transaction should have {$250.00} in rewards for this transaction. Please let me know. Thanks XXXX XXXX
11/21/2023
Yes
Credit card
Store credit card
Closing your account
Can't close your account
NC
28570
Web
Older American
I bought a pair of shoes at XXXX and at checkout was told I could get {$15.00} off if I started a credit account at the time. The checker said it would help her greatly. I agreed and gave my info. I was to get all the information and a credit card in the mail. I waited over a month for this. As soon as I got it I tried to pay it off and I couldnt find an address to send a check to. There was all sorts of info for attaching to my bank account or credit card both of which I do not do. I waited for a couple of weeks waiting for an email to tell me more but nothing showed up and since the due date was gettin close I decided to get more serious about finding their address. I found their website, signed in and finally found an address way down in the fine print. I sent off the check in plenty of time. I pay my bills through the bank who prints the check out and mails them while keeping a record for me. I thought it a bit strange that the bank didnt have an automatic info fill in on this company but since I had the company and an address from the official website I double checked and put that info in and my bank sent the check. I sent {$71.00} on XX/XX/2023.
I soon got an email that a payment was due on XX/XX/2023. The email said that if a payment was made that is processing I could disregard this notice.
a little while went by and I got an email saying that my payment was late. I called the number on the back of the credit card to see what was going on since I sent the payment.
I was told that no payment was received and that I now owed the original amount plus {$30.00} late fee. I objected and told that the money was sent. She asked what address I sent it to so I read it off. I was told that was the wrong address. I said that is the address listed on your wed site. She said that address was incorrect and since it wasnt my fault the late fee would be reduced to {$15.00}. I told her that that is not fair but give me the pay off amount and to close the account since by this time I have had enough of the way this company does business. She told me {$88.00} and that the account was closed. I felt that an unfair charge of {$15.00} was a small price to pay to not have anymore trouble from these people.I told her I would stop payment on the first check and issue a new check for {$88.00} that she asked for. I got an email giving me the amount {$88.00} and the processed date XX/XX/2023. I thought the matter closed.
I checked my account and saw both the original payment of {$71.00} and the new payment of {$88.00} listed. I checked with my bank to see that the stop payment did work and the money was not payed.
I started getting phone calls that were announced as community bank on my answer machine, no message left. I still didnt associate community with comenity or XXXX XXXX After a few I tried answering but no one on the other end. I got an email saying they would report me to four different credit agency 's and more calls that would hang up. I checked the credit report and didnt see anything about late payments so didnt think any more of it. I was then getting calls that I would answer and I would hear XXXX XXXX XXXX XXXX and they would hang up. no message ever left. It was strange but I get so many spam calls I didnt think much of it.
A couple of days ago I picked it up and there was finally someone on the line. She said she was collections and wanted {$140.00}. I told her this account was closed out a while ago. She said {$15.00} was not payed and the rest was late fees. I told her that I was all paid and the account closed months ago. She said that a {$30.00} late fee was imposed and that {$15.00} was deferred. I told her that was not what i was told when I closed the account. She insisted and that I should pay now with a bank account or credit card right there and then on the phone before more late fees add up.
I asked if she was a collection company or the credit card company and she said that she was the collections department of the bank. I told her that I would not pay anything to her over the phone, I would call the number on my card. She said I should pay her since I would get the same office when I called that number. I am not stupid enough to give information, especially bank information over the phone.
I called the number on the card Tuesday during banking hours and asked whats due and got the same amount. I said I would pay it and asked if the account was closed and got no answer he just changed the subject. XXXX asked for the address to send the check. He gave me XXXX address that I repeated back to him twice then he said it was the wrong address and preceded to give me another one. I repeated it back and he said that was correct. Now we are on the fourth address.
I entered it into my bank account and sent the check. The reference number is XXXX and I was talking to XXXX.
XXXX is a good store with a good selection of shoes. I know that this credit card company is not the store but they should know what type of shady credit company they are endorsing.
I do not hurt for money and neither {$15.00} or {$140.00} hurt me in any way except that what they have done is wrong and crooked. How many other people have they been doing this to. I have checked my XXXX XXXX and it has dropped significantly but not enough to hurt me since I had such a high score. This type of behavior from a credit company should not be tolerated and I hope something can be done to help others who can not withstand what they are doing.
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.
08/22/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
WI
XXXXX
Web
Older American
In XXXX I had called to close my XXXX XXXX XXXX account #. I had received it in the mail and decided that I had little to no use for it. I had called XXXX the phone number on the back of the XXXX XXXX XXXX
I requested that the representative close the XXXX XXXX XXXX account number. I had also requested that she reflect on the account that I simply did not have a use for the card and that I had never used it.
After we went through the details the associate had explained that I was still responsible for the balance of {$540.00}. that were incurred in XX/XX/2021. I explained to her that was impossible. I did not have the XXXX XXXX XXXX account at that time, I had just recently received the XXXX XXXX in the mail. The associate told me I would need to speak with the fraud department. She then connected me to the fraud department. You were experiencing an unusually high call volume and I was on hold for a very long time and unfortunately, I can not remember if I had even completed the phone call.
Some time had passed and after receiving emails from XXXX with member discounts I had decided that maybe I would like the XXXX XXXX XXXX I then called to ask if I could get the XXXX XXXX XXXX reinstated. At that time the associate stated that the XXXX account was not closed and she would send me a new card.
During this time I have very frequently been trying to make purchases at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has a very user unfriendly website ; it takes forever to load a page and continuously XXXX XXXX XXXX XXXXXXXX is updating sales and pricing. Many times I just had to give up shopping because of two very young, very active granddaughters that I watch.
One day I was finally trying to complete a purchase with XXXX XXXX XXXX XXXX and I was trying to make the purchase using my Victoria 's Secret credit card. Unfortunately my card was declined. I then confirmed my credit balance and I called either XXXX XXXX XXXX XXXX or Victoria 's Secret to confirm Victoria 's Secret credit card was still accepted.
Again, because of my granddaughters I was unable to complete another purchase.
Finally just recently I was again trying to complete a XXXX XXXX XXXX XXXX purchase, I tried multiple times and my Victoria 's Secret card kept getting declined. I then called XXXX XXXX XXXX XXXX to place my order by phone. After placing a large order my Victoria 's Secret card was again declined.
This was now extremely frustrating! I have confirmed XXXX XXXX XXXX XXXX still accepts Victoria 's Secret credit card, and I know that I have an {$800.00} credit limit and XXXX balance!
I then called Victoria 's Secret credit card at XXXX to speak with an associate. It was at that time I was told that my Victoria 's Secret account had been closed at my request. I told her " no '', I had not closed my account.
I had told the associate how strange all of this was. I closed an XXXX XXXX XXXX account and was told I was responsible for a balance that I did not incur. I call to in inquire about now keeping the XXXX XXXX XXXX and I am told it was not closed. During this time I also had fraudulent purchases with my bank ATM card. In going over this with the associate she then asked " what was the credit card account you called to close ''?
After confirming it was an XXXX XXXX XXXX account ; she then told me she did not know how relevant it was but she could see that your, bank handles the Victoria 's Secret credit card acccount AND your bank also handles the XXXX XXXX XXXX account.
Back in XXXX when I had originally called to close the XXXX XXXX XXXX account and the associate told me I was responsible for the balance NOW it made sense. Somehow your associate was looking at my Victoria 's Secret credit card account and that is the account that she had closed that day!
Now that all my credit difficulties had all made sense, I immediately called Victoria 's Secret, explained everything that had happened and told them I wanted my Victoria 's Secret account immediately reactivated.
I was told that it was not possible, I needed to do this much sooner. Of course I would have done this sooner, if I would have known that this is what had caused me all the difficulties and much wasted time browsing and shopping and continuouly getting denied.
I have called Victoria 's Secret and I have called you, the bank and I keep getting told to reapply for a new card. I have explained over and over, I should not have to reapply for something that I did not close. The Victoria 's Secret credit card has member perks, there is : birthday rewards, XXXX birthday rewards, anniversary rewards, rewards based on amount of purchase, rewards on type of purchase, not to mention that I was now at an {$800.00} credit limit, and of course, credit terms may be different than my original credit terms ; I did not want to lose everything that had taken me years to achieve.
I should be restored to my original status. I was a responsible cardmember. I paid my payments on time and I had a XXXX balance! This is absurd to know that your employee in err, closed a cardmembers account. To think of all the wasted time I have spent, having all these difficulties and I did not cause this but yet, you are making me pay for it.
You are leaving me no other choice but to file a complaint with the Consumer Financial Protection Bureau and with my state attorney general.
The credit card account numbers are as follows : XXXX XXXX Victoria 's Secret Customer Care : XXXX Customer Care : XXXX
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.
04/06/2022
Yes
Checking or savings account
Savings account
Closing an account
Can't close your account
GA
XXXXX
Web
I opened this Comenity XXXX XXXX account on XX/XX/XXXX, before seeing all the disastrous experiences by other customers from https : //www.depositaccounts.com/banks/reviews/comenity-direct.html. I did it through their website and provided the routing number and account number of my XXXX checking account, for the initial deposit of {$15000.00}. By XX/XX/XXXX or XX/XX/XXXX, I had read the reviews and, worried that I too would never get my money out, phoned their only number XXXX and asked to close the account and return the funds back to my XXXX acount. They said that the funds were on hold for 9 days and they would process the request and send them back after. They promised to send an email confirmation, which never arrived.
The next day, I got help on the phone ( after confirming my identity ) setting up online access so I could monitor the account. The rep confirmed that they got the request and would return the funds XXXX days after they processed it. In the meantime, I tried to set up my XXXX account as an external account so I could transfer the funds out on my own, if need be. Once I set it up, and received the micro-deposits at XXXX, when I logged back into my Comenity account, the option to verify the external account, or set up an external account, had been removed. I contacted them through their online messaging option ( because they do not have an email address ), and asked how to confirm the external account, and was told " At this time it appears your XXXX permissions have been XXXX, which would be what caused your external transfer options to no longer appear. '' I then tried it from the XXXX side, adding Comenity as an external account, but when I went to check the micro-deposits on Comenity 's site, it didn't display them, which blocked that option.
As part of the response on XX/XX/XXXX they said " We currently have an open request to have your account closed with the funds being send to your account ending in XXXX. Do you still wish to have your account closed once your hold expires on XX/XX/XXXX? '' I responded a couple of hours later, confirming that I wanted the account closed, and asking when the funds will be returned. XXXX days later ( on XX/XX/XXXX ), the answer finally came back as " Thank you for providing this information, I have added it to your account for further review. Once your closing request begins processing, it can take XXXX days for the funds to appear in your external account. '' Now, I thought that they'd begin processing on XXXX, when the hold expires, so, on XXXX, I replied with " When is my closing request ( from XX/XX/XXXX ) going to begin processing? '' By XXXX, I reminded them that I was still waiting for an answer. There has been no response. At midnight on XXXX, I started a new message thread on their website, recapping what had happened and asking for an immediate confirmation of when they will process the closure request. That too has never gotten a response.
I phoned Comenity Directs only customer service number ( XXXX ) on XXXX @ XXXX PM XXXX, and spoke with XXXX. After confirming my identity, she then asked for more information and then I was disconnected mid-sentence. When I phoned back, I was disconnected twice when I selected the option to speak with an agent. On the third try, I got someone, whom I asked to transfer me to XXXX. When he said he couldn't do it, I asked that she be given my phone number, so she could call me back. After more waiting, and re-confirming my Identity again, he told me that she said that the request to close the account has been submitted, and would be handled in another XXXX business days. When I told him that I had already been told that when I first called in and made the request, on XX/XX/XXXX, and again when I confirmed via bank message on XX/XX/XXXX, he told me that the bank hadn't closed my account because they suspected that the request was fraudulent. At that point I told him that the only fraud that was happening here was Comenity 's. The requests were made only after rigorous verbal account verification, and also through the web site, and I was asking that the funds be returned to the bank account that they were drawn from. How would any would-be fraudster ever profit from that? Furthermore, I had received no notification at all that a suspected fraudulent request had been made, asking me to confirm. This is obviously a stall tactic from the bank and they have no intention of ever returning my funds.
That consumer complaint site is full of reports from customers who were told over and over that their requests to return their money would be processed in XXXX days, only to be told later that they thought the request was fraudulent, and then repeating the XXXX day process, without ever transferring the funds. So, this is apparently a tried and true technique for Comenity.
I tried XXXX last time, phoning the parent bank, Comenity Capital, at XXXX PM on XXXX, rather than the Comenity XXXX line. I spoke with XXXX, and explained the situation. She told me that she had no ability to work with Comenity XXXX acounts, saying the only thing she could do is transfer me back to the Comentity XXXX number.
I am attaching a copy of my Comenity bank statement, verifying the funds I have on deposit. I will also attach a document showing screen shots of the website messaging service because there is no other way to get a written record of communications.
09/03/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
ME
046XX
Web
The Ikea Projekt Card by Comenity account website has been down since I got my card in XX/XX/2022. It was not communicated to me until I got my credit, was approved and used it that I wouldn't be able to access my online account. This is misleading and prevents me from easily paying off my card faster. I can't even double-check my terms online bc I can't access my account. The site is still down 2+ months later and there has been no communication. Ikea is pushing people to Comenity. People are having trouble paying off their balances easily since you need to try by phone. There is also no way to know if late fees are being applied even though they say they will waive them.
Ikea is not communicating issues with their credit card system and letting customers blindly sign up without knowing they will be unable to access their account online.
- Comenity bank should be investigated as we have not been able to access our account for over 2+ months and they have sent NO update to card holders and have communicated nothing. They should be investigated to make sure they are refunding people 's late fees since we can't access accounts and can only pay by mail or see payment dates to " quick pay '' online but we can't see anything else like our terms, conditions or card agreements. Meaning we don't have access to card agreements except through mail.
IKEA Projekt card has been accepting new applicants all summer even though Comenity Bank website to pay your card, see your balance and access your account online has been down since before XXXX. I signed up for an account and unknowingly I couldn't even access my account online due to technical issues. There has been no update or communication from the bank about these issues other than you can pay by mail or do an XXXX which just shows your balance and payment due date but nothing else.
There has been no update communication other than " There is a glitch '' the same FAQs have been on the site since XXXX. Ikea is not helping with the issue and directing users to Comenity who are unable to get in contact with the company. There is no autopay option which puts users are risk for late payments.
There is no message on the website homepage about the technical issue and it makes it look like a user issue when it is not. It says they can't find my account, but when I got to register it says they can. Then I finally see the technical glitch message, The info about it is hidden in the FAQs. People will not understand this and may think it a problem with their info.
Below is the help content on the website.
Q. What happened?
A. A complex, planned system update caused our service channels and other capabilities to go out from time to time. We know that the outages have been frustrating and were very sorry for the inconvenience.
Q. Can customers make payments?
A. Were very sorry for your inconvenience and are working to restore full service as quickly as possible. Comenitys Care Center is experiencing outages from time to time and may not be available. Customers can continue to use their cards as usual and, can make a payment using Comenitys XXXX service.
Q. Was Comenity Bank hacked?
A. No, we did not experience a cyber attack of any kind. The servicing issues we are experiencing are the result of a planned system update. Your account information remains secure. Were sorry for any inconvenience this may have caused.
Q. What services can be accessed right now?
A. Customers can continue to use their cards as usual and, subject to additional outages, can make a payment using Comenitys XXXX service Q. How are you going to support customers impacted by this situation? What about late fees?
A. We are working to ensure a fair resolution for impacted customers. We will communicate to impacted customers by email, statement message and secure message center. Were waiving late fees for customers whose payment due date fell on or between XX/XX/XXXX- XX/XX/2022. Customers dont have to do anything. Those customers inability to make a payment will not affect their credit score.
Q. Will I be charged interest on my promotional plan that ended during the outage and I couldnt make a payment?
A. If you had a promotional plan that expired in XXXX through XX/XX/2022, we are extending the promotional plan expiration date by 30 days. If you have questions or concerns, please call the number on the back of your card or statement for Customer Care. This will allow you the opportunity to pay your promotional plan in full by the new extended expiration date.
Q. Are credit bureau updates paused during this time?
A. We will not report late payments for customers whose payment due date fell on or between XX/XX/XXXX through XX/XX/XXXX.
Q. Im not seeing my rewards in Account Center. Why?
A. We are currently updating our systems and you may see a delay loading your rewards. Your account will be updated to reflect your correct earning activity as soon as possible. We thank you for your patience and apologize for the inconvenience.
Q. When can we expect the system to be up and running and problems resolved?
A. We are working around the clock to restore full service to all accounts impacted. Comenitys Care Center is experiencing outages from time to time and may not be available. Customers can continue to use their cards as usual and can make a payment online using Comenitys XXXX.
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.
07/28/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
PA
19111
Web
XX/XX/XXXX To whom it may concern, I would like to file a complaint against Comenity Bank. I have a credit card with BJs XXXX XXXX which goes through Comenity bank.
History of Complaint During the week of XX/XX/XXXX, I tried to buy a TV through BJs app and online, but I kept getting a message to confirm my payment method. I did, and all info was correct. I tried for a few days with same results. On XX/XX/XXXX I called to complain about this and was told they were going through a system upgrade, and that if I waited until XX/XX/XXXX, it should be okay.
I tried to make a vacation payment on an XXXX on XX/XX/XXXX but my card was still unable to make online purchases -- but was able to make in-person purchases. During the week of XX/XX/XXXX my XXXX online payment had been denied. After returning from my trip on XX/XX/XXXX, I called to complain, and the online greeting went through my account info and said I had not made a payment since XX/XX/XXXX for {$2100.00}. When the online representative came on, I told her that I had made a payment on XX/XX/XXXX of {$2500.00} and I asked her, where is that payment? She told me they were having problems with the upgrade, and that I should go eat dinner and not worry about it, that it would resolve itself.
I know she meant well, but I told her that I wanted a record of this phone call on my account, and that I needed to speak to a supervisor. She put me on with XXXX, who tried to help me by attempting to file a dispute on my behalf. He told me of all the problems the upgrade has been having, and how they are working around the clock to fix it. He also was having problems with his system, and tried repeatedly to log the dispute but could not, so he asked me to call back in 24hrs.
On XX/XX/XXXX, I called in and again asked to speak to a supervisor. I spoke to XXXX XXXX ( or XXXX? ), and she was quite emphatic that I had to go to the bank and provide proof of payment. I went to my bank, got proof of payment, and also sent it certified mail, along with a bank statement and a history of the payments that I had made, including the XX/XX/XXXX payment to their Billing Dispute office in Ohio.
Meanwhile I kept getting what I thought were spam calls from Ohio. However, when I returned their call, I had reached Comenitys billing department -- which insisted that I make a payment. I told them I did make a payment, but they lost the money, and that I had sent them proof. They had picked up the certified mail on XX/XX/XXXX. On XX/XX/XXXX, I received two credit card statements in the mail. One for my current card, and a 2nd one for an old canceled credit card with them with a credit amount on it of {$2500.00}. There was my missing money -- they had put it on an old canceled card.
I called them again, and spoke to supervisor XXXX. He tried to help me, but the system said he could not access that old account, so he transferred me to someone who could at Customer Cares. I talked to XXXX at Customer Cares, who also could not help, so he transferred me to Customer Service, who told me to call back during business hours. I called on XX/XX/XXXX and spoke to XXXX, and told her the problem. She told me that this is an ongoing problem that since the upgrade, that for some reason payments are being put onto old cards. She said that its a known issue, and that I would not be reported to the credit bureaus or accrue interest. She said that if I wait a week, it should resolve.
To cover my back, I did make a payment of {$100.00} on XX/XX/XXXX, and it went through. On XX/XX/XXXX, I called again and, after an hour of being on hold, I talked with XXXX, who told me that they are still having problems, and that I still need to wait, as she did not have access to the dispute department.
Then I asked to speak to a supervisor, and XXXX told me nothing could be done, and asked me why I needed to speak to a supervisor. I told her that this has been going on for more than a month, which was not acceptable, so I needed a supervisor. She finally relented and put me on hold. After being on hold I spoke to XXXX who I previously spoke to on XX/XX/XXXX. He remembered me and tried to access the old credit card account, but could not. He told me he was sorry, but there was nothing he or I could do but to wait until it resolves itself. I told him that I would have to file a complaint, and to please help me on this matter, as it had gone on way too long.
I am filing a complaint against Comenity Bank, and I am asking for your assistance in getting the issues of my personal credit, lack of access to my credit card and history, and my misplaced payment resolved ( with no damage to my credit rating or history ). I am seeking advice, legal counsel, resources, links, or intervention that can get this matter resolved as soon as possible.
Quite frankly, I do not have the time or patience now to deal with being passed around to person after person and countless departments at Comenity Bank. Ive lost precious time and many hours on the phone trying to resolve things politely and respectfully on a problem that I did not create. Ive done everything Comenity asked me to do, with no resolution or answers -- not only me, but countless other customers.
I welcome any questions, requests for documentation, or further information that you may need.
Thank you for your time and attention to my problem.
Sincerely,
11/22/2023
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
PA
18201
Web
This company, XXXX XXXX XXXX has furnished a collection on my consumer report without allowing me to validate the debt first. This is part of the reason I am submitting this complaint today. They are attempting to collect on a debt transferred from COMENITY XXXX XXXX with the account number XXXX and the balance being {$420.00}. They reported this information to XXXX and XXXX on the XXXX of XXXX and for XXXX they reported it on the XXXX of XXXX. I provided a screenshot of my consumer report.
Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, in order for me to validate this alleged debt, I am requesting the entire purchase agreement of this transferred contract/instrument be sent to me. I do not want just the bill of sale. Please send me the entire purchase agreement of this account or you will not be validating this alleged debt per my request. In addition to sending the entire purchase agreement, I am requesting the following items. Pursuant to 12 CFR 1006.34 please provide me with a copy of all the following : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
( 3 ) Information about consumer protections.
( i ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment.
( ii ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer requests in writing on or before that date the name and address of the original creditor, the debt collector must cease collection of the debt until the debt collector sends the consumer the name and address of the original creditor, if different from the current creditor.
( iii ) The date that the debt collector will consider the end date of the validation period and a statement that, unless the consumer contacts the debt collector to dispute the validity of the debt, or any portion of the debt, on or before that date, the debt collector will assume that the debt is valid.
( iv ) If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), a statement that informs the consumer that additional information regarding consumer protections in debt collection is available on the Bureau 's website at www.cfpb.gov/debt-collection.
( v ) If the debt collector sends the validation notice electronically, a statement explaining how a consumer can, as described in paragraphs ( c ) ( 4 ) ( i ) and ( ii ) of this section, dispute the debt or request original-creditor information electronically.
Lastly, Pursuant to Uniform Commercial Code 3-203 TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER, this item can not be in collected by you, XXXX XXXX XXXX because once the contract/instrument is transferred, the rights to collect are cancelled unless I indorse the transferred contract/instrument with you ( XXXX XXXX XXXX ). You need an indorsement ( as described in XXXX XXXX XXXX XXXX ) from me in order to lawfully collect on this alleged obligation. Otherwise, without my indorsement you CAN NOT collect. If you believe otherwise, please send me the contract in which I indorsed and you, XXXX XXXX XXXX indorsed with wet ink.
You have 15 days after receiving letter to send me all items stated above to validate this alleged debt. If you can not send all of the requested items in a timely manner then I demand that you remove this inaccurate information from all consumer reports as it is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. If you do not, I will seek litigation for damages.
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.
01/14/2023
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
14223
Web
Last year, I called XXXX to start a free 3 month subscription for XXXX XXXX that came with my new vehicle and the representative said rather than just 3 months free, they would give me an additional 6 months for a total of 9 months for only {$6.00}. I authorized a 1 time payment with XXXX XXXX for {$6.00} on XX/XX/XXXX which I was told would be payment in full for 6 months of service. This was done by verbal authorization on A RECORDED LINE with XXXX, and during this recorded conversation, I purposely told the representative that I was only authorizing this one time charge and I DID NOT want my credit card on file and told them to make sure it was removed from my account while being recorded. I purposely do this so the company has to contact me once the subscription is over to renew it, which I will only allow if I like the service or they are offering an incentive to renew. Again, this conversation was recorded by them, and I was recorded telling them that I did not authorize any other charges other than the one time charge of {$6.00} and that I DID NOT authorize them to keep my credit card on file.
Unbeknownst to me, XXXX XXXX totally disregarded my instructions and decided to start charging my credit card starting XX/XX/XXXX for {$21.00} and did so every month since on the 2nd of each month despite my calls demanding it be stopped and requesting my card refunded. The unauthorized fraudulent charges consist of 9 charges for {$21.00} each, totaling {$190.00}. I didn't notice the charges they were making until XXXX as I bought a 6 month plan and didn't think to look, but once I noticed, I immediately called XXXX to get the charges reversed. I called XXXX XXXX at least 6 times attempting to resolve this and no one there could speak English well, they lied to me for several months, promising to reverse the charges AND remove my card, but they never did, and continued to charge my card. I couldn't get a single person on the phone that could speak or understand English well and couldn't get anywhere with them and was finished being lied to.
I called Comenity Capital bank on XX/XX/XXXX, the servicers of the XXXX to dispute the unauthorized charges and this company also had no one that could speak or understand English well until I finally got a supervisor on the phone. They essentially refused to help me and actually protected the fraudsters!
I explained to the supervisor at the bank that I verbally authorized XXXXXXXX XXXX on a RECORDED LINE, to make a ONE TIME CHARGE of {$6.00} for 6 months of service, and explained to the supervisor that while I was being recorded by XXXX, I CLEARLY TOLD THEM THEY DID NOT HAVE MY PERMISSION TO KEEP MY CREDIT CARD INFORMATION ON FILE AND THAT I WAS ONLY AUTHORIZING THE ONE TIME CHARGE OF {$6.00}. There were no contracts, terms and conditions explained, just a one time verbal authorization for {$6.00} for 6 extra months of service in addition to the 3 free ones. Comenity Capital Bank is blaming the victim & protecting the perpetrators of the fraud. They are not abiding by the rules according to XXXX policies and they REFUSE to request that the merchant ( XXXX XXXX provide proof that they had my authorization to make these charges that I explicitly stated they did NOT have on a recorded line.
XXXX XXXX XXXX XXXX XXXX Instead, XXXX has no one that can speak English in customer service, and Comenity Bank is requiring ME to provide proof that I cancelled a contract that never existed. This is akin to a customer buying a 1 month, non-recurring service online for {$6.00} to try it, and the seller just decides to start charging them {$22.00} per month because they want to, and when the customer disputes it, the bank ( Comenity ) requires the customer to provide proof that they cancelled their contract or the charges will be considered valid. YOU CAN NOT PROVE A NEGATIVE, and you cant prove a contract didn't exist, HOWEVER, XXXX SHOULD be able to PROVE THEY HAVE MY AUTHORIZATION - IF IT EXISTS... This is what I am being told, We are not asking XXXX for proof of authorization. I placed my trust in XXXX they advertise their consumer protections clearly on their website XXXX XXXX XXXX XXXX ) and Comenity Banks conduct is clearly not in accordance with XXXX 's XXXX Liability Protection in fact, they flat out refused to even contact XXXX about it! I have never had a credit card company treat ME like the fraudster when asking for their help as a victim, especially when I have a flawless record with them. Any other credit card company Ive ever dealt with instantly protected me when I needed help, they protected their client, not the perpetrators of the fraud.
I am formally requesting in writing, for Comenity Capital bank to REQUIRE that XXXXXXXX XXXX provides proof that these charges for $ XXXX were authorized by me. When they do, they will CLEARLY hear me state on the recording that they only have authorization to make a 1 time charge of {$6.00} and did not have permission to keep my card on file. I have no choice but to report their actions to the XXXX, the Attorney General & will request arbitration from XXXX if need be. CAN YOU PLEASE HELP! I DONT WANT TO DO THIS, BUT THEY ARE LEAVING ME NO CHOICE. THIS BANK IS PREDATORY IF YOU ASK ME- I KNOW OF 2 OTHERS THAT HAVE HAD A SIMILAR EXPERIENCE WITH XXXX.
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
08/21/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
RI
02905
Web
Older American
XX/XX/XXXX a payment of {$190.00} was made to BJs XXXX from my XXXX account XX/XX/XXXX my BJs card was declined I called XXXX and was told they didnt receive the XXXX payment. I immediately authorized a payment of {$260.00} from my XXXX account.
I checked my account with BJs and realized the XXXX payments were not credited to my account. I closed the account and filed a fraud complaint.
XX/XX/XXXX a payment of {$250.00} was made from my XXXX account to BJs XXXX XX/XX/XXXX the XX/XX/XXXX payment was not credited to my XXXX account this error was added to my complaint.
I received three letters stating that they were investigating my complaint.
XX/XX/XXXX I met with the vice president of my local XXXX and asked for help. She called XXXX and they hung up on her. She wrote a letter to XXXX stating that the three amounts I was disputing were paid.
XX/XX/XXXX XXXX wrote requesting a copy of my banking details from 30 days after the payments processed and a letter from my bank XX/XX/XXXX XXXX XXXX wrote another letter with my banking details.
XX/XX/XXXX Comenity sent a letter that stating : On XX/XX/XXXX you filed a fraud dispute on the above BJS XXXX MASTERCARD credit account with us. After our thorough investigation of the claim we have concluded that you are not responsible for the disputed balance amount on the BJS XXXX MASTERCARD 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. Please allow XXXX to 45 days for the update to occur.
XXXX XXXX I received correspondence from Comenity stating : On XXXX XXXX you filed a fraud dispute on the above BJS XXXX MASTERCARD credit card account with us. After our thorough investigation of the claim we have concluded that you are not responsible for the disputed balance amount on the BJS XXXX MASTERCARD 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. Please allow 30 to 45 days for the update to occur.
XX/XX/XXXX I received this correspondence from XXXX stating : Thank you for contacting XXXX XXXXXXXX XXXX. As the bank that issues your BJS XXXX MASTERCARD credit card account. After reviewing our records, we can confirm receipt of the following payment {$240.00} on XX/XX/XXXX. We credited this payment to your account. Your current balance is {$0.00} XX/XX/XXXX I called XXXX and was told BJs accounts were now handled by Capital One. I called Capital One and was told this dispute was the responsibility of XXXX. I have no idea where the {$240.00} was put as I closed my BJs account XX/XX/XXXX XX/XX/XXXX Correspondence I received from XXXX On XX/XX/XXXX you filed a fraud dispute on the above BJS XXXX Mastercard credit card with us. After our thorough investigation of the claim, we have concluded that you are not responsible for the disputed balance amount on this BJS XXXX Mastercard 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. Please allow 30 to 45 days for the update to occur. Please accept our apologies for an inconvenience this situation may have caused you. If you have any further questions please feel free to contact us at XXXX.
XXXX XXXX Correspondence I sent to XXXX Resolution : {$780.00} Regarding my complaint XX/XX/XXXX, I have had several communications to and from XXXX. I am sending to you today the most relevant in respond to your most recent correspondence ( XX/XX/XXXX ) As well as copies of other documents that further back my claim.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I received the same letter but no refund.
I do not have a BJS XXXX Mastercard credit card at all.
This issue will be resolved when I receive a check made out to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, RI. XXXX In the amount of {$780.00} XX/XX/XXXX in two envelopes addressed to me from XXXX I received two checks made out to me for {$250.00} ( {$510.00} ) Which I immediately deposited into my checking account. I sent my advocate XXXX XXXX from my employee assistance program, an email stating I was satisfied with this amount and didnt wish to pursue the issue for {$270.00} XX/XX/XXXX my bank informs me that a check for {$250.00} was not covered and I now had an additional overdraft charge of {$15.00}. I called XXXX and we set up a time for us to both be on the line to speak with Comenity.
XX/XX/XXXX A call was made to XXXX. We were told that Capital One was responsible for this account and we were given the number to call.
XX/XX/XXXX today we will make the call.
A call was made to Capital One. Since I had closed my account in XXXX of XXXX it was not sent to them from XXXX. I was instructed to call Capital One. I was on the phone with the fraud department but then transferred to the customer care they have NO record of my complaint and I have to send everything in again to the very same address as I have been sending it to.
XXXX XXXX All the information that was requested was sent Certified Mail XX/XX/XXXX And was received by Capital one on XXXX XXXX.
XX/XX/XXXX no response from Capital One
03/24/2023
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
GA
30253
Web
I do not consent to the disclosure of my credit information to any third-party entities unless they have a legitimate business need for the information in connection with a business transaction that is initiated by me, as provided for in section 604 ( a ) ( 3 ) ( F ) ( i ) of the FCRA.
Please be advised that I do not authorize any person or entity to access my credit report for any other purposes, including marketing, pre-screening, or employment screening.
I understand that, Section 6801 of the Fair Credit Reporting Act ( FCRA ) The section requires CRAs to establish and implement reasonable procedures to protect the confidentiality, accuracy, and integrity of nonpublic personal information that they collect and maintain. This includes personal information such as a consumer 's name, address, Social Security number, and credit information.
In addition to requiring CRAs to safeguard consumer information, section 6801 also limits the circumstances under which they may disclose nonpublic personal information to third parties. Specifically, CRAs may only disclose such information if it is : Required or permitted by law Necessary to effect, administer, or enforce a transaction that a consumer requests or authorizes Necessary to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability Required for regulatory compliance or to comply with a valid legal process The section also requires CRAs to provide consumers with notice of their privacy policies and practices, and to allow consumers to opt out of having their nonpublic personal information disclosed to certain third parties, such as affiliates for marketing purposes.
Because the companies did not comply I the must follow FCRA 6802 ( C ). As stated below.
Section 6802 ( a ) : " ( a ) Disclosure of reports to consumers. A consumer reporting agency shall make all disclosures pursuant to section 609 of this title [ 1681g ]. '' Section 6802 ( b ) : " ( b ) Disclosure of reports to third parties. A 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.
( 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 consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.
( 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 individuals capacity to make child support payments or determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment; and ( 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 ).
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To a Federal, State, or local agency that administers a program for establishing and enforcing child support obligations, upon its request, for use in locating individuals for the purposes of establishing paternity and child support obligations, or for enforcing child support obligations, and only to the extent necessary for such purposes.
( 7 ) To a potential investor or servicer, or current insurer, in any transaction that concerns the assignment, sale, or securitization of all or a portion of a lenders rights or interests in a consumer credit transaction that was not originated by the investor, servicer, or current insurer.
( 8 ) To the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation, or any private mortgage insurer, in connection with the issuance, renewal, transfer, or servicing of any loan secured by residential real property. '' Section 6802 ( c ) : " ( c ) Protection of medical information. Except as provided in section 604 ( g ) ( 2 ) of this title [ 1681b ( g ) ( 2 ) ], a consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumers medical information that is obtained from a medical information furnisher. ''
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.
07/19/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
PA
16001
Web
On Thursday XX/XX/XXXX I attempted to submit an online payment to XXXX for the amount of {$3000.00} ( my then current statement balance ). After a couple attempts, the system was glitchy, I was able to see the payment on their website. On Sunday, I looked at my XXXX account to see if the payment had gone through and I did not see a pending or posted payment. I then looked online and did not see the payment on my online account. It appeared to not exist and I thought that since it was 4 days after I requested the payment maybe it just cancelled out since when I made it was glitchy. I then placed another payment request for {$2800.00} ( my last statement balance ). On Monday XX/XX/XXXX I noticed that on my XXXX account I had a pending withdrawal of {$3000.00} from Comenity. I looked online on the Comenity account page and did not see that transaction or request at all. Again like that transaction did not exist, but I did see that the request for payment made on Sunday for {$2800.00} was in process on the Comenity website. I looked on my XXXX account and it had not appeared their as pending yet.
I called Comenity and the waited on hold for 40 minutes and was disconnected. I called back and my call was answered in 30 minutes. The customer service representative told me that they have been having a lot of issues because over the last week they had transferred servers and it had not gone smoothly. The rep had told me that she was not able to see the initial payment of {$3000.00} reflected on my account. She placed me on hold for about 10 minutes and then said she was able to find it, but that since it was pending on my end that she could not do anything about it. She also said she could not do anything about the {$2800.00} because it was processing on their end. I told them that I did not have enough funds to cover both transaction and that I would need one of them cancelled. She reported that she could not do anything and I then asked to speak to a supervisor.
I spoke to XXXX who confirmed that there was nothing they could do on their end and advised that I call my bank and place a stop payment on the payment that was processing that had not yet hit my bank. She had told me that I would be credited any fees and/or costs that I may incur from my bank from this due to it being the result of their system issues. She gave me the case # XXXX and advised that I call Comenity Customer Service tomorrow if this was not resolved and/or to inform them of any cost so I may be credited ( phone calls are recorded so it should be on record ).
I called XXXX and was told that I could attempt to put a stop payment, but that would cost a fee of {$33.00}, but if the payment was in process it may still go through. I agreed as to try to avoid further issues with having an additional {$2800.00} deducted that I knew I could not cover.
Today XX/XX/XXXX I looked at my bank account and I see that the {$3000.00} had posted and that the {$2800.00} was pending. I called PNC who said that they could not do anything about the pending amount until it posts, but advised that I could file a dispute for the posted amount, but that would take 7-10s. Out of desperation agreed. I don't care which payment went through I just could not afford to have them both go through as I have 3 children and other bills that would be posted this week.
I then called Comenity again and after a 30 minute wait was able to speak to a customer service representative again. I asked to read the notes, gave her my case #, and asked her put through to a supervisor. Once connected to the supervisor I was again told that there was nothing that could be done. I asked if it was possible to refund the amount that had been posted and she said due to " regulations '' Comenity could not refund the amount that was posted and paid because their are are laws that will not allow that ( again it is all recorded ). I asked if the fee I had incurred for the stop payment would be credited and she said that since the payment was not stopped they would not credit my the stop payment fee. I reminded her that this was all due to a system issue on their end. I also reminded her that both of these payments had been extra since the minimum was taken out on XX/XX/XXXX, as I have it as reoccurring. She said that it does not matter, but that they are unable to refund me the money that I had come out of my account that even at this moment is not reflected on my online account with them as taken out or paid. She instead said she could only request a refund for the amount of {$2800.00} that had not been posted because it was a double payment. I mentioned that I am okay with paying one, but that I need the money back in my account as to cover bills and not send my finances down a downward spiral. She stated that she could not do anything else. I then asked to speak to someone else and she said that there was no one higher than her and that if she transfers me to another agent she would have to tell them to reinforce her stance as to not me under minded. At that point I hung up and now I am writing this.
I feel so powerless and I have no idea what else I can do ... do I not have any rights as a consumer? This was an issue caused by Comenity 's server migration, on their end!
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. .
03/12/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
MS
390XX
Web
15 USC 1692 - Congressional findings and Declaration of purpose ( a ) Abusive practices : There is an abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of bankruptcies, marital instabilities, loss of jobs, and invasions of individual privacy.
Consumer was viewing consumer report ( XXXX ) and noticed an account reported on consumer by COMENITY BANK ANNTYLR in the alleged amount of XXXX dollars and XXXX cents in which the date reported is XX/XX/2023 when in fact this account is 7 years old. It also reports as a Collection and Charge-off when in fact an account can't have the status of both. As federal laws state : a consumer has a right to a fair and accurate consumer report. Account type also reports a balance of XXXX when in fact a charge-off has no collection balance because it has become a Tax write off in satisfaction of alleged debt. Age of account reflects 1 month which is a false statement when in fact this account is 7 years old. Per XXXX5 USC 1692a ( 6 ) ( f ) COMENITY BANK ANNTYLR violates consumers rights by falsely claiming that an alleged debt is owed to COMENITY BANK ANNTYLR by consumer arising out of a loan that was given through equal consideration by both parties and signed and agreed upon in bona fide agreement of both parties. COMENITY BANK ANNTYLR violates consumers rights by deception that COMENITY BANK ANNTYLR loaned consumer any money when in fact Banks can't loan any money. Per 15 USC 1692c : Communication in connection with debt collection ; COMENITY BANK ANNTYLR violates consumers rights by communication directly or indirectly without the Prior consent of the consumer. The term " Communication '' as defined in 15 USC 1692a ( 3 ) - the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. A " Person '' is defined by law as any entity, corporation, estate, trust, LLC, or individual. An " individual '' is defined by law as a Person. The term " Medium '' is defined by law as a means by which something is transfered or conveyed to the method of business communications. ( The alleged debt was transferred and conveyed to XXXX ). Per 15 USC 1692c ( b ) COMENITY BANK ANNTYLR violates consumers rights by communication with third party without the expressed consent of the consumer or without having express permission of a court of competent jurisdiction to remedy a post judgment. Per 15 USC 1692d COMENITY BANK ANNTYLR violates consumers rights through mental anguish by way of oppression, knowing that it would harm consumer, by the transference and conveyance of alleged debt to third party entity ( XXXX ) by publication to a consumer reporting agency for the advertisement for sale in order to coerce consumer into paying alleged debt without meeting the requirements of 15 USC 1681a ( f ) and 15 USC 1681b ( 3 ). Per 15 USC 1692e - False or misleading representation ; COMENITY BANK ANNTYLR violates consumers rights by the false representation of character, amount and legal status of any debt, services rendered where compensation may be lawfully received by a debt collector, the threat of taking action that can not legally be taken, forcing to become subject to any practice taken by COMENITY BANK ANNTYLR that was prohibited by law, the implication that the consumer committed a crime of conduct which disgraced the consumer, the distribution of written communication which was falsely represented to be a document authorized, issued or approved by any court, official or agent of the United States which creates false impression to it's source, authorization or approval, the false representation that documents are legal process. Per 15 USC 1692 ( f ) COMENITY BANK ANNTYLR violates consumers rights through unfair or unconscionable means to collect alleged debt which is a violation of this section, the collection of any amount unless such a amount was expressly authorized by the agreement creating the debt. Per 15 USC 1692g ( a ) ( 4 ) COMENITY BANK ANNTYLR violates consumers rights not notifying consumer of any judgment rendered against consumer in connection with any alleged debt. Per 15 USC 1692g ( c ) COMENITY BANK ANNTYLR violates consumers rights through failure of admissions by COMENITY BANK ANNTYLR that failure of the consumer to dispute the validity of any alleged debt May Not be construed by any court as an admission of liability to any alleged debt by the consumer. Per 15 USC 1692g ( e ) COMENITY BANK ANNTYLR violates consumers rights required by title 26, title V of Gramm-Leach-Billy Act [ 15 U.S.C 6801 et. seq. ] by participating as a Financial Institution and not taking the necessary precautions to protect the personal information and privacy of the consumer. Per 15 USC 1692i COMENITY BANK ANNTYLR violates consumers rights by lack of due process of law in failure of proper action and enforcement in a judicial district to show proof of which a signed contract by consumer is valid for sue. Per 15 USC 1692i ( b ) COMENITY BANK ANNTYLR violates consumers rights in which nothing in this subchapter authorized the bringing of actions to collect a debt
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
207XX
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}
07/12/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
CA
95125
Web
In XX/XX/XXXX I applied for and was issued a XXXX XXXX XXXX XXXX XXXX Credit Card. The card was issued by Comenity Capital Bank pursuant to a license from XXXX XXXX XXXX. The card offered cash back rewards in the following amounts : 5 % on gas station purchases and electric vehicle charging ; 3 % on grocery store, restaurant, travel, and XXXX purchases ; 1 % on everything else. The terms and conditions of the rewards are attached here as a pdf. The promised rewards were the primary reason I signed up for this credit card.
XX/XX/XXXX : On XX/XX/XXXX I called to report suspected credit card fraud. During the call I realized that it was not fraud, but rather a legitimate charge made by my wife, who is designated as an authorized buyer on my credit card account. At that point, my wifes credit card had already been deactivated for suspected fraud, so a new one had to be issued to her. The charge in question remained on my statement and was paid for.
XX/XX/XXXX : On XX/XX/XXXX I called Comenity Capital Bank customer service to report that rewards had stopped appearing on my statement from XX/XX/XXXX onwards ( a reward was also missing from a XX/XX/XXXX charge, but that was a dentist office charge, which may not have been eligible for any reward ). I noted to the customer service rep that the stoppage of rewards seemed to coincide with the cancellation of my wifes credit card described above. I was told by the customer service rep that it would be resolved in approximately 2 weeks. I asked what the next steps would be, but I was not given any instructions on how to proceed or on what I should expect to happen ( i.e., should I call again in 2 weeks?, would I receive a call or letter in 2 weeks? ). Nothing happened for a week.
XX/XX/XXXX : On XX/XX/XXXX I called Comenity Capital Bank customer service to follow up on the missing rewards issue. Based on my conversation with this rep, he did not seem to be aware of the issue from what he could see in the system. I asked to speak to a supervisor, who did little to resolve the issue, but did at least see that the issue had been reported back on XX/XX/XXXX. I was not given any specific update or status on what was being done about the missing rewards. At this point, the rep started referring to the missing rewards issue as a dispute, as if it were still a fraud issue. I repeatedly told him that there was no disputed fraud. It was simply an error on the part of Comenity Capital Bank not issuing rewards I was entitled to. The supervisor was literally not able to know what was being done about this issue. He said a ticket might be created, but he had no way of knowing if XXXX had been or would be created. Essentially, he knew nothing about how this issue was being dealt with or even if it was being dealt with at all. He recommended that I submit an inquiry regarding the issue via the Comenity Capital Bank website Secure Message Center, which I did right after our phone conversation ended. I received a response the next day, XX/XX/XXXX, which was very generic and did not specifically answer any of my questions. I proceeded to have several electronic message exchanges with various Comenity Capital Bank customer service reps via the website XXXX XXXX XXXX over the next couple of weeks, none of which provided me with any specific answers. Furthermore, it was clear that the reps that I messaged with had no understanding of the situation, as they were talking about the situation as if it was still about suspected fraud, which it was, and still is, not. All message center correspondence is attached here as a pdf.
XX/XX/XXXX : On XX/XX/XXXX I called Comenity Capital Bank to have them directly deposit my incurred rewards in the amount of {$110.00} ( excluding the missing rewards ) into my checking account with another financial institution. Ordinarily this could have been done online ( which I had done successfully once before ), but I was told that the website was being updated, which temporarily XXXX the rewards direct deposit feature and required customers to call Comenity Capital Bank customer service for incurred rewards direct deposit requests. At that point the only way to claim incurred rewards through the website was to take a credit for them against your existing balance. During this phone conversation, I asked about the status of my missing rewards, which at this point amounted to approximately {$29.00} ( by my calculations ). The ensuing conversation was similar to the previous XX/XX/XXXX phone conversation.
At this point, I am very frustrated with the shoddy customer service and inability of Comenity Capital Bank to resolve such a simple issue. Furthermore, Comenity Capital Bank is not keeping its end of the deal with me. I have paid off my monthly balances on time. They have withheld rewards they promised me. They should not be allowed to do that and get away with it. Finally, I am put in a position where I no longer trust this financial institution and wish to end my relationship with them, but I have to consider the consequences of that action negatively affecting my credit score. Theyve got the proverbial XXXX of XXXX in the form of a ding against my credit score hanging over my head.
04/12/2023
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
XXXXX
Web
To Whom It XXXX Concern, On XX/XX/XXXX, I attempted to make a purchase with my Big Lots Credit Card. The credit limit on this card is now {$1200.00}. After having no activity on the card, it was declined, so I immediately called the customer service number on the back of the card and I spoke with a female associate, who asked if she could check my credit, for which I gave consent. She in turn, explained to me that while I have a good payment history, there was a restriction put onto my account because of inactivity. She was putting in for the account to be reviewed and she assured me that I would be able to use the card within 24-48 hours. After 24 hours as instructed, I called again to the customer service number on the back of the card, and I experienced the same issue. This time, however, I spoke with a male associate, named XXXX. He in turn, explained to me that no credit check had been performed by the previous agent, and that with my permission he could review my credit report and remove the block. I gave my consent. During this call, XXXX, too also mentioned that I have a good payment history and he assured me that he was able to successfully remove the block, as well as he advised me that I would be able to use my card the " next day with no worries, I promise '' because the " restriction due to no activity was satisfied and my account was reinstated. '' However, this was not true, because the very next day, I attempted to use the card again, for the third time, and the exact same thing happened again. This time for at least fifteen to thirty minutes, I spoke to another male agent who said verbatim : " Your account is open, it's not closed, XXXX, however, you can not make purchases on it at this time. You do have a very good payment history with us, and your credit limit is {$1200.00}, but we really do not know what has happened. I did read in the notes that the restriction was lifted by the other associate, but we can not go against the credit bureaus. '' So, I asked him what are you talking about? For which he said, " We don't know what is wrong, you need to consult the credit bureaus? So, I asked him which one and what was conveyed because I receive credit alerts as well as my credit score from all three credit bureaus, and there should be no problem as this is an existing account since XXXX. He said, " XXXX, we check all three. '' So, after my phone call ended with this representative, I checked all three, and while I did note some inaccuracies and errors regarding length of time upon all of my accounts as well as some payment discrepancies. For example where payments are inaccurate, missing, or just alleviated all together, or in the case of these card ( I paid more ) than the minimum pay, as well as a lack of my loan information for all three credit bureaus is missing, there wasn't anything else of alarm, as I have an excellent payment history ( Enclosed 3 credit bureaus summaries ). Thereafter, today, XX/XX/XXXX, until I can straighten this all out, I attempted to use my Comenity Mastercard ; yet it was declined. I was baffled, so I made a call to the customer service number on the back of my card, and I was advised that this card too is still open ; however, I am unable to use it for purchases, for which I received no notification whatsoever, and this card is not dormant, as I use it often. Thereby, I am making this complaint, because Comenity Bank /Bread XXXX XXXX has engaged in Unfair Trade Practices in that vital information was omitted from my first call, a deceptive practice occurred in that I was advised by the first representative, who asked for my entire ss # that my credit had to be checked in order for me to gain access to my credit line, which I do not believe is standard practice. Thereafter, I was misled by the second associate, XXXX, who assured me that he removed the restriction, after he had checked my credit for the second time, and I would have, " No worries, you will be able to use your credit card in 24 hours. '' Further, Bread XXXX used a deceptive practice in that it essentially froze two existing credit cards lines without any reasoning. Especially, when I was only inquiring about my dormant card, Big Lots. It was reasonable to assume that after having spoken with the first two agents, who each promised and reassured me that within the time frames given by them ( 24-48 hours ) that I would not only gain access to my credit line, but that I would be able to also use my credit card. It is, however, unreasonable, deceptive, and quite unfair though to be punished for whatever reasoning after having made the inquiry into my Big Lots Credit Card to then have two cards stripped from me ( Big Lots Credit Card and Comenity Mastercard ), and have no alternative recourse, as I remain injured in that my credit was checked twice unnecessarily within mere days of each other, my score lowered from XXXX XXXX, XXXX XXXX, and XXXX XXXX to whatever it is now. Bread XXXX violated the following laws : Truth in Lending Act ( 15 USC 1601 ), with emphasis on 15 USC 1681 ( g ), as well as overall the Equal Credit Opportunity Act ( 15 USC 1691 et seq ), as I was not given any recourse nor any natural remedy. Sincerely,
06/19/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
172XX
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.
08/13/2022
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
NJ
07047
Web
Bread XXXX XXXX has made it almost impossible for me to move my finds out from my savings account.
This complaint is about how they handled or in fact totally ignored my wire transfer request to move some of my funds. Their outgoing ACH limits are only $ XXXX a day so there is no other practical option but to do a wire transfer.
- XXXX Just to get the instructions on how to do a wire transfer and to get the form took 50 minutes on the phone. The lady assured me that it will go out next day by 1PM CST if I submit it the day before and they will call me if they have any questions about the wire transfer. I submitted the wire transfer and got an acknowledgement saying the same - XX/XX/XXXX Never got any status update or questions about the wire transfer. So spent another 55 minutes on hold and the lady assured me that the wire transfer will go out today. She flat out LIED to me on the recorded line as it did not go out that day.
- XX/XX/XXXX Sent them 3 messages via secure chat on the wire transfer request conversation, got no response to any of them - XX/XX/XXXX Spent about 1.45 hours, first talking to XXXX and then a supervisor XXXX. This conversation really opened my eyes to how unprofessional and incompetent they are. First they told me that they were ignoring my wire transfer request because I had linked 17 external accounts in my online profile. They did not provide me any answer what that had to do with my wire transfer request. Then XXXX told me that the manager who is supposed to approve the wire transfer request is working for home, so most probably would have ignored this request. Then when I ask him do they need any additional documentation from me to approve this request, they ask me for proof of ownership of the account to where I was transferring the funds which I provided while on phone itself. Then they asked me to also provide proof of ownership for a totally different account ( XXXX XXXX XXXX XXXX ) which I also provided while on the call itself. The XXXX flat out LIED to me and said that you have provided everything we could ever need and it will go out today.
XXXX evening. Still no status update on the wire transfer request and no response to my secure message. Spent another 1.45 hours talking to XXXX. She empathized but kept blaming other departments, told me she cant do anything at the time. Promised me that some supervisor will call me in the morning XXXX morning. Received no call from any supervisor. Called and spoke to XXXX in an overseas call center who did not know how to get hold of a supervisor. The call went silent after 55 minutes on hold XXXX early afternoon. Called again and spoke to XXXX and XXXX. XXXX was repeating the same exact things that XXXX said the previous day and blaming other departments. This conversation again highlights how incompetent this bank and their security department is. This time they asked for proof of ownership of another account. I repeatedly told them that their website was down currently but they wont admit that. Finally after an hour they admitted that and then asked me to send that bank statement over an insecure email. This is the time when they first realized that they should have asked for this bank and not the XXXX XXXX that they had asked they day before. If this was not bad enough, they also asked that provide proof of ownership of some XXXX XXXX XXXX account from which I transferred funds on XX/XX/XXXX. This again highlights how incompetent they are as I told them I have never transferred any funds from any bank XXXX XXXX account. For the third time, they again LIED and told me that I have provided everything they might need and it will probably go out today and they will let le know the status. I had to really beg him to please at least tell me the status. Total time spent on this call was 2.5 hours - XX/XX/XXXX evening. Still no official communication about the wire transfer request. XXXX calls me and tells me that they have denied the request and that he is doing me a favor by calling me and telling me that. When I asked him to respond to the secure message and mention that it has been denied, he reuses and says that he can't do that and some " other department '' will reply to me by end of day. It is already way past end of day and so far I have received a single communication from this so called XXXX XXXX about anything related to my wire transfer request. On top, XXXX 's tone totally changed on this call and started justifying all the delays that I had to go through, the same things that he previously said were not acceptable. Total time spent on this call was 45 minutes.
So I waited 4 days and spent about 9 hours on calls and sending secure message to do this wire transfer and so far no one has even bothered to officially inform me about the status of the wire transfer. The summary is they make it very easy to open an account and move the money in but very difficult to move the money out. And do all that in name of the security even though their security department is so incompetent that they keep mixing up the customer and the accounts.
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
941XX
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.
03/25/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
FL
34683
Web
Servicemember
XXXX has deleted this account from my credit file so please tell me how you were unable to see the fraudulent activity and haven't taken the steps to delete the account yet? See attached current report with account removed.
There are five on-time payments being reported on this dental " credit-card '' that I never paid. Upon research, I've learned creditors will often falsify positive payments to extend the statute of limitations. I would like proof of these payments made, ACH, Credit card transaction, consent and authorization, dates and times of these paid payments. I requested all three bureaus to supply proof, and XXXX so far has been unable to therefore XXXX has removed the account from my credit file. If you can not produce the five payments made, please remove this account with inaccurate information off of my credit file.
RE : 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 XXXX XXXX for one 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 XXXX v. COMENITY BANK/XXXX XXXXfendant '' " 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 XXXX XXXX dollar debt, I have never made a payment. Allow me to understand why my credit reports shows that five ( 5 ) 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 XXXX 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 XXXX XXXX. 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 XXXX XXXX
08/21/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
VA
24541
Web
Servicemember
On XX/XX/2023, my bank, XXXX XXXX, sent a scheduled bill payment of {$140.00} to my XXXX XXXX credit card ( which is owned by Comenity Capital Bank ) on my behalf. On or about XX/XX/2023, I started receiving calls from XXXX XXXX regarding a missing payment. I logged into the XXXX XXXX website to check my account. I did not see the XX/XX/2023 payment for {$140.00} in my transactions on my XXXX XXXX account and I called them to inquire about this missing payment. I was told it could have been lost in the mail and to check with my bank to see if the payment had been received. I made a payment right then, on XX/XX/2023, for {$160.00} to cover the minimum payment due and the late fee I was charged for the missing payment. I contacted my bank, XXXX XXXX, and they informed me that the check they sent on XX/XX/2023 for {$140.00} ( check number XXXX ) had been deposited by Comenity Bank on XX/XX/2023. I requested a copy of the cancelled check images from XXXX XXXX, which I received on XX/XX/2023. I sent a secure message to XXXX XXXX via my online account explaining that my payment was still not credited to my account, and I attached the images of the cancelled check from my bank as proof that the payment was indeed received and deposited. I have also attached the same images of the check from my bank showing it was deposited into Comenity Banks account at XXXX XXXX XXXXXXXX with this complaint. XXXX XXXX messaged me back and said they would research my issue and get back with me. They also sent a message stating that " 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. '' I have included copies of the messages between myself and XXXX XXXX as well as a copy of the letter sent to me via USPS mail on XX/XX/2023 with this complaint. I continued to make payments to my account. My payments are due on the XXXX of each month and I made a payment every month since the missing payment in XXXX, which they stated was under investigation and would not affect my account until it has been investigated, which could take up to 90 days. Despite being told by XXXX XXXX on XX/XX/2023 via secure message that " 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 '', and making a payment every month in excess of the minimum amount due, I have incurred XXXX different late fees totaling {$110.00} to date and my account has been reported as 30 days and 60 days late/past due, which has caused my credit score to drop over XXXX XXXX at all three credit bureaus. Before this incident, I have never, ever had a late payment reported on my credit. I also contacted all three credit bureaus independently to have this erroneous information taken off of my credit reports and when they contacted XXXX XXXX, they were not told anything about the missing payment that was being investigated, they were only told that two of my payments were 30 days late, which has never been correct. I received another letter from XXXX XXXX on XX/XX/2023 stating that they were unable to verify our bank received the funds for this payment and that their investigation was now closed. I contacted XXXX XXXX via phone again on XX/XX/2023 when I received the aforementioned letter in the mail and was told the investigation was closed and they didnt find the missing payment. I submitted the check images from my bank again showing the check for my missing payment was deposited into their bank account and was told that they would investigate the missing payment issue again. I received a letter on XX/XX/2023 stating recently, you mailed us a copy of your cancelled check. We appreciate you taking the time to do this ; however, we must request another copy. The original was illegible, and we are unable to read the information necessary to research your dispute and once this information is received, we will be happy to make the necessary adjustments to correct your account and finally that at this time, our investigation is concluded. I called XXXX XXXX on XX/XX/2023 when I received the aforementioned letter and asked if they could see the images of the check I submitted to them on XX/XX/2023, to which the representative stated she could see the images. The representative, who said she was a supervisor, stated they would issue a courtesy removal of the negative information on my credit reports and that I needed to upload the cancelled check images again and they would reopen their investigation. I went onto my XXXX XXXX account and sent another secure message ( copy attached ) with the check images attached to it again, asking for the investigation to be reopened, as she instructed. To date, I have not had any other response to this issue and my credit scores are still showing a late payment sometimes two late payments for XXXX and XXXX- which has significantly impacted my credit score. I would appreciate your help in this matter.
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
12/10/2023
Yes
Credit card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CA
91206
Web
pleted Disputes XX/XX/XXXX ComenityXXXXXXXX XX/XX/XXXX ComenityXXXX Keep your info safe from identity theft Take the next step and protect your personal info from identity theft. We'll search the dark web and people finder sites for your info and help you remove it.
protection shield Protect my info Resources Dispute Guide Dispute FAQs Education freeze education thumbnail How Credit Report Disputes Affect Your Credit Filing a dispute to fix a credit report inaccuracy has no direct impact on credit, but some changes made in response to disputes can affect credit scores.
freeze education thumbnail How Long Do Credit Report Disputes Take?
Credit bureaus are legally required to finalize credit-report disputes within 30 days, but many inaccuracies can be fixed more quickly than that.
freeze education thumbnail When to Dispute Credit Report Information Disputing credit report inaccuracies is quick and simple online, but you can avoid credit approval delays by giving yourself time to complete the process.
freeze education thumbnail What Cant You Dispute on Your Credit Report?
Most information on your credit reports can be disputed, but certain items are simply a matter of record and can not be disputed. Learn more.
freeze education thumbnail Can Credit Report Disputes Lower Credit Scores?
Disputing inaccurate credit report data has no direct effect on credit scores, but if a dispute leads to a data change, credit scores may shift accordingly.
Report Number XXXX Date Generated XX/XX/XXXX COMENITYXXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details.
What if I disagree with the outcome of this dispute?
Contact the source of the information You have a right to contact the entity that originated the information and dispute with them directly. This is usually the company that provided you the loan or other credit, but could also be a collection agency or government office. The contact details for the source of each item of information are listed in your credit report.
Add a Statement of Dispute A statement of dispute allows you to explain why you think the information is inaccurate or incomplete. The statement will appear on every copy of your credit report. Lenders and other businesses who view your credit report can read your statement and may ask you for more details or documentation as part of their application review process. To add a statement of dispute, enter the Dispute Center, choose the item in dispute, and select " Add a Statement '' from the menu of dispute reasons.
Dispute Again With Additional Relevant Information If you have additional relevant information to substantiate your claim, you have a right to submit a new dispute by uploading the additional documentation in the Dispute Center. You can also submit a new dispute with additional relevant information to XXXX at XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX.
File a Complaint You have a right to file a complaint about XXXX or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General 's office. You may submit a compliant to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by mail at Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Dispute With Other Bureaus There are XXXX credit bureaus that report your credit information : XXXX, XXXX, and XXXX. You should check all three credit reports to be sure that the information in each is complete and accurate.
XXXX logo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Disputes on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Disputes on XXXX Still have questions?
Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX.
Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact us : ( XXXX ) XXXX Report Number XXXX Date Generated XX/XX/XXXX Before After COMENITYXXXX Your information may have changed since XX/XX/XXXX Account XXXX Account name XXXX/COMENITY/ALPHAEON Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late.
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$270.00} Original balance {$11000.00} Highest balance {$11000.00} Terms Current / Terms met Contact info Phone number None provided Address XXXX XXXX XXXX XXXX XXXX XXXX Your statement I TALKED TO THE BANK BUT THEY DON T WAN NA TAKE THE CHARGE OFF AND IT S CAUSING ME TO GO OVER THE LIMIT. THE BANK SAID THEY WILL MAKE SURE IT NEVER HAPPENS TO ANYONE AGAIN IN THE FUTURE AND WHEN I TOLD THEM I WAS GON NA CALL XXXX THEY SAID DON T PLAY THE BLAME GAME. XXXX IS THE SUPERVISOR S NAME. THERE ARE OVER XXXX COMPLAINTS OVER THE PAST 3 YEARS WITH XXXX XXXX XXXXXXXX AND OVER XXXX COMPLAINTS OVER THE PAST 12 MONTHS.A WEBSITE WITH CONSUMERS REVIEWS ARE 97 PRECENT NEGATIVE OUT OF 34 REVIEWS.
12/22/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
IL
601XX
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.
02/01/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
NJ
08638
Web
Notice to Cease and Desist This is in reference to the Consumer Report sent by XXXX, XXXX and XXXX. While checking my credit report, it came to my notice that XXXX has furnished an account XXXX my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by XXXX will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Privacy Act of 1974 ( 5 U.S.C. 552a ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures. The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' 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 relating 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.
You have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately Even if you didnt receive a Form 1099-C, you must report cancelled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition ; The IRS Clearly says a Cancelled or Charge Off is income. The reporting of this as debt is inaccurate.
15 USC 1681 s-2 Says you XXXX are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately!
15 USC 1681 s-2 ( a ) ( XXXX ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect/inaccurate information.
The lender must file FORM 1099-C and send you a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter XXXX.
The above paragraph is taken directly from the IRS 2021 publication.
SEND ME MY FORM 1099-C that you should have sent when you filed the account as cancelled debt.
02/01/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
NJ
08638
Web
Notice to Cease and Desist This is in reference to the Consumer Report sent by XXXX, XXXX and XXXX. While checking my credit report, it came to my notice that XXXX has furnished an account XXXX my XXXX XXXX. According to XXXX XXXX XXXX ( XXXX ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by XXXX will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Privacy Act of 1974 ( 5 U.S.C. 552a ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures. The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' 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 relating 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.
You have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately Even if you didnt receive a Form 1099-C, you must report cancelled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition ; The IRS Clearly says a Cancelled or Charge Off is income. The reporting of this as debt is inaccurate.
15 USC 1681 s-2 Says you XXXX are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately!
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect/inaccurate information.
The lender must file FORM 1099-C and send you a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS XXXX publication.
SEND ME MY FORM 1099-C that you should have sent when you filed the account as cancelled debt.
02/01/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
NJ
08638
Web
Notice to Cease and Desist This is in reference to the Consumer Report sent by XXXX, XXXX and XXXX. While checking my credit report, it came to my notice that XXXX has furnished an account XXXX my XXXX XXXX. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major XXXX XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by XXXX XXXX XXXX to XXXX. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. XXXX XXXX XXXX ( B ) clearing states that A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party. XXXX XXXX XXXX ( B ) XXXX the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party XXXX XXXX XXXX ( B ) XXXX the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Privacy Act of XXXX ( XXXX XXXX. XXXX ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures. The Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ) protects personal financial information collected by consumer reporting agencies. The XXXX limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating 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.
You have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately Even if you didnt receive a Form XXXX, you must report cancelled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition ; The IRS Clearly says a Cancelled or Charge Off is income. The reporting of this as debt is inaccurate.
15 USC 1681 s-2 Says you XXXX are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately!
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect/inaccurate information.
The lender must file FORM 1099-C and send you a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS XXXX publication.
SEND ME MY FORM 1099-C that you should have sent when you filed the account as cancelled debt.
03/29/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NY
11208
Web
XX/XX/XXXX XXXX I took out a loan for {$4000.00} with Comenity BankXXXX XXXX XXXX with a credit limit of {$11000.00}. I had deferred payments until XX/XX/XXXX.
XXXX XXXX Comenity Bank called me stating I had a late payment and it was going to be taken to collections. I told them that I had deferred payment until XXXX.
XX/XX/XXXX XXXX I made a payment of {$1000.00}. It was received. Due to Comenity wanting to call collections on me just after a few weeks I decided I wanted to pay off the loan as fast as possible to get them off my back. I had no penalties for early payment. This month I got my first paper statement from Comenity and realized that my billing period was from the XXXX of each month. The due date for payments was the XXXX and the closing date was the XXXX.
XX/XX/XXXX XXXX I made another payment of {$900.00}. Instead Comenity took {$1800.00} from my bank account. I had to call them to refund me {$900.00}. Which they did.
XX/XX/XXXX XXXX I made another payment for {$200.00}. I did not get a paper statement for this billing period. I knew from my first statement my bills were due on the XXXX.
XX/XX/XXXX XXXX I made a payment of {$200.00}.
XX/XX/XXXX I made my final payment of {$2900.00}. The due date was XX/XX/XXXX and the closing date of the bill was XX/XX/XXXX. Again I never got a paper statement from Comenity so I checked XXXX who reported my balance with Comenity as {$0.00}. Between XX/XX/XXXX to XX/XX/XXXX I checked my account daily to make sure I didn't have a balance.
On XX/XX/XXXX XXXX I got a notifcation from XXXX that I had a missed payment from Comenity of {$43.00}. When I tired to call customer service to find out why I had that fee they couldn't access my account as I didn't have my account number. My account number had been XXXX out on my statement, The agent told me go online and I can be able to see what the late fee is. When I logged in online, I saw Comenity charged me an interest on XX/XX/XXXX with a due date of XX/XX/XXXX. I also saw that the bank enrolled me in paper less statements which I never agreed to. There was no way for me to even be made aware of this " fee ''.
I paid the fee on XX/XX/XXXX, online through their portal the due date was on XX/XX/XXXX and I was given a confirmation number that my payment was successful. My online account was updated and my balance went to {$0.00}. I also called an agent to make sure the payment went through and I was reassured it was. I asked if that would be my last payment they confirmed it was.
I then disputed the late fee with Comenity who took it off my credit report.
On XX/XX/XXXX, I got a call from Comenity on a Sunday on a no caller ID saying I didnt make the payment and I was now being charged {$80.00} in late fees and interest fees. They said they would be taking m to collections. When I asked how my payment could be late I paid three weeks in advance they told me I had insufficient funds. I told them that wasn't true as my account was updated to {$0.00}. They insisted that I didnt hve enough money.
When I logged into my online portal I saw the payment was actually successful and Comenity instead of accepting the payment returned the payment to me. Comenity then charged me a return fee for {$21.00} which I didnt know about and it went pass due resulting in the current {$80.00} I have to pay.
I paid the {$80.00} and called customer service to find out if it went through they told me yes. I asked if that will be the last payment they said no that I have a {$2.00} interest fee to pay in XXXX. I said why the interest has already been charged in the current statement. They said the interest is for the {$80.00} balance owed from the due date to the date paid so interest accrued. I explained yes I know but the interest has already been included on the current bill. Now I have another delinquency on my credit report because Comenity returned my payment and charged me a fee for the return they made.
I checked my balance and my balance is {$0.00} currently and has been since XX/XX/XXXX. It has been five months and I have been paying fees on a {$0.00}. These fees are always added after I make a payment in the middle of the billing cycle. Comenity doesn't send me a paper statement and they have no exact time when they upload the electronic statements online.
I can't even check my Comenity online account from my phone because the bank has limited access to the portal through my laptop and blocks other IP addresses from signing in. So if I have to make a payment or check the status of my account I have to wait until I am at home. I can't make payments from my phone as result and payments are due before XXXX XXXX each day. So if I am working and I have to pay Comenity I have to either rush home before XXXX XXXX to pay or carry my lap top with me. Why is paying a bill so hard? Why is it every time I make a final payment I get another surprise fee just before the due date?
02/23/2023
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
IL
605XX
Web
I have contacted Comenity Bank through XXXX. The first time I spoke with the customer care team was on XX/XX/XXXX I spoke with XXXX badge number XXXX. I have spent several hours on the phone with various representatives from customer service including managers. XXXX and XXXX, were particularly rude and provided no help at all. In fact, they laughed at me when I explained that I the terms and conditions on credit application in which I signed stated I would pay 14.99 % interest rate for 36 months.This company has been charging me with 29.99 % interest for the past year and it was not brought to my attention until recently as my fiance was in charge of my bill for my household and this purchase was an engagement ring. The representatives filed XXXX separate disputes after several hours on the phone and continued to tell me that the XXXX XXXX must have input the purchase wrong and there was nothing Comenity Bank would be able to do. I have gone back and forth between Comenity Bank and the XXXX XXXX. The XXXX XXXX has been more than helpful, in fact the last time I called the store manager was able to return and re-ring the purchase taking into account the amounts that I have paid with the correct interest and I paid the difference of the balance. So, I am now paid in full for the purchase of the ring with the appropriate interest. However, after the store communicated this to Comenity Bank, the bank is still refusing to update the account with the transaction at the store. Comenity Bank is trying to say that I owe them over a thousand dollars. I did file a motion with the XXXX of Ohio and they directed me to the Consumer Financial Protection Bureau to file a complaint.
On XX/XX/XXXX my fiance and I purchased a wedding ring and engagement set from XXXX and used the store credit card through Comenity Bank to charge {$2200.00} for 36 months of 14.99 % interest as stated in the details of my plan. However, they have been charging me at 29.99 % interest since an unknown date after the first payment of {$120.00} was made. I have paid well over the remaining balance and called to file disputes 7 times. XXXX originally told me to reach out to XXXX because the store is the one who input something incorrectly, and they could resolve the error. XXXX went through the process with me and charged me for the remaining balance, and sent this information to XXXX. Comenity supervisors & managers as well as the store indicated that my purchase was eligible for the 36 months for 14.99 % as stated in the " details of my plan ''. Several of them indicated they had seen this happen to other consumers. XXXX laughed at me when I stated that the account had been charged at 29.99 % and I had never seen the statements due to the purchase being an engagement ring and my fiance being in charge of all financial accounts for our household. Once I took over the finances, I began reaching out to Comenity Bank, who continued to place the burden on the XXXX store. I bounced back and forth between XXXX and XXXX during the disputes. XXXX store manager indicated that they never actually received any disputes or requests from XXXX. The XXXX store manager, XXXX and her corporate leaders, did an amazing job working on this and providing a resolution. Even after XXXX reprocessed the transaction and charged me the remaining balance to be paid in full, and sent this information to XXXX, they are unwilling to update the account. XXXX only processed {$130.00} of that transaction sent from XXXX on XX/XX/XXXX. XXXX is still demanding over {$1200.00}. XXXX stated to the CFPA that my account was reviewed and no adjustments were needed.
I finally found the location of the most recent response that Comenity Bank had sent to Consumer Financial Protection Bureau. In their response, they indicated that, " Weve reviewed the XX/XX/XXXX, return of {$130.00}. XXXX advised that in the return, {$2000.00} was returned as a cash refund and {$130.00} was returned to your XXXX The XXXX XXXX XXXX XXXX Credit Card. '' None of which was an accurate description of what happened. XXXX was attempting to resolve the issue that one of the employees who processed a return of wedding band as well as the previous engagement ring that I upgraded. XXXX did not apply the amounts of " cash '' to my credit account as they were asked to do. They are claiming that the money was returned to me and it was not. Comenity has since sold the inacurate debt to XXXX XXXX, who is now still trying to collect {$1700.00}. None of which was legally charged to my account according to my original purchase agreement. XXXX is alleging that I owe fees of {$360.00} and interest of {$450.00} total charged in XXXX ; in addition to the inaccurate total fees of {$140.00} and interest of {$550.00} in XXXX. Which is almost exactly what they are accusing me of owing, all accrued at the interest rate of XXXX percent, that was not the 0 % for a year and 14 % thereafter.
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
365XX
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
068XX
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?
09/01/2023
Yes
Credit card
Store credit card
Fees or interest
Problem with fees
WA
98109
Web
Older American
I would like to file a complaint against Comenity Capital Bank, which serves as the credit card account company for the XXXX stores. They have engaged in a deceitful practice with me, related to compounding late charges and interest charges, while investigating an erroneous past-due charge, even after admitting that the past due charges were in error. I have now closed my account with them. Here is the history.
I received a bill for XX/XX/2023 stating that I my account was overdue for the amount of {$36.00} ( total amount due for merchandise purchased ) plus a late fee of {$28.00}. The due date had been XX/XX/2023. However, I had paid the total amount due electronically through my bank XXXX XXXX XXXX XXXX ). I checked my XXXX XXXX XXXX account online and found that Comenity Bank had withdrawn my funds for on XX/XX/2023. Following the instructions on my bill regarding what to do if I found a mistake on my statement, I wrote a letter to Comenity describing the above with a copy of the confirmation from my bank.
On XX/XX/2023, I received a letter from Comenity stating that they had received my claim, and although my statements may display additional finance charges and fees, I was not responsible for them during the investigation, and that my account would be adjusted appropriately if the investigation indicated that an error had occurred.
Subsequent statements from Comenity continued to rack up late fees and interest charges while I waited for a conclusion to the investigation.
On XX/XX/2023, I received a letter from Comenity Bank saying, Good news, your account has been credited! However, they only credited it for the original late fee of {$28.00}. But the letter stated my balance was {$96.00}, which was for merchandise I had purchased. So, I believed they had erased the other late fees and interest charges as well.
But then I received a phone call from Comenity saying I was late on another payment for XX/XX/2023. Again, I looked at my XXXX XXXX XXXX records and the payment of {$98.00} ( which had been my understanding of the merchandise purchase on the bill ) had been withdrawn well before the deadline on XX/XX/XXXX. I was confused and asked to speak with a supervisor, who told me that I owed numerous late and interest charges. I said that I needed to see an itemized bill before I would pay anything more, and she said she would mail it to me. So, I waited to receive it.
Then again on XX/XX/2023, I received a phone call from XXXX at XXXX stating that I had a balance of {$34.00} remaining on my account. At this point I was tired of dealing with them and just wanted it all to stop. XXXX said this was the final amount on my statement, so I decided to just pay it. I did so with my debt card, after being reassured that this would result in a XXXX balance with Comenity. It was reconciled with my bank on XX/XX/2023.
Then on XX/XX/2023, after thinking everything was done, I received another XXXX bill stating I owed {$100.00} in more late fees and interest fees. I had not purchased anything from XXXX since XXXX and I never will anymore. I called customer service to try and straighten it out, without success. The woman I spoke with insisted that I still owed late fees from several months ago, despite the call from XXXX and my payment the prior month. It was futile to argue with her. I went ahead and paid the amount only because I discovered that they had ruined my credit rating. I have had a credit rating of approximately XXXX for many years. Because of Comenity Bank it is now XXXX points.
At this point, I thought I was done with Comenity, but I received a phone message from Comenity on XX/XX/XXXX, instructing me to call an XXXX number for an important message. When I called this number I found out that I now owed {$130.00}. XXXX. So I called a customer representative, who told me my payment of XX/XX/XXXX had been refunded because it had an incorrect routing number or account number, so Comenity had added another late fee.
Again because of my fear of further damage to my credit score, I paid this fee through their site. On XX/XX/XXXX, I looked at my J.Jill/Comenity site and my account stated that my current balance was {$0.00}. And that payment of {$130.00} had been received on XX/XX/2023.
I am so upset and frustrated by my attempts to correct this situation. I have always paid my bills on time. I believe they have been dishonest with me from the very start, and unresponsive to my pleas to correct these situations. Basically I gave up and paid them money, I did not owe, because the consequences of not doing so, have caused me harm in terms of ruining my credit rating. I would like to have my credit rating restored, and my money for the late fees and interest refunded to me.
Thank you.
07/28/2020
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
OR
970XX
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
105XX
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
015XX
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
10/09/2023
Yes
Credit card
Store credit card
Fees or interest
Problem with fees
TX
78641
Web
Servicemember
XXXX XXXX XXXX XX/XX/XXXX XXXX Initial phone call with company regarding the interest fee. The representative let me know there was a grace period and as long as I made payment the interest fee would be taken off and it would be reflected on the next statement. I over paid the amount and asked what would happen with the over paid amount and she said it may either come in a statement credit or as a refund check. I asked her to repeat back to be that the interest would be taken off. She put me on hold to verify with a supervisor and she said it would be taken off. payment was made on XX/XX/XXXX {$5000.00}. Pay off amount is for {$4400.00}, Interest amount {$3900.00} ( which the representative assured me would be taken off ). The rep gave me a case number of XXXX.
XX/XX/XXXX - Next statement comes out with a new interest fee of {$87.00} as well as the remaining balance. I immediately call the company and spoke with a representative and she put me on hold to speak with a supervisor and told me the XXXX and the {$3900.00} would be taken off. I had to hurry off the phone as I was in-between work calls myself. I called back XX/XX/XXXX to verify the notes had been put in correctly and that representative read the notes back to me. The notes that he read back/were written on the account and the actual phone conversations I had with the representative on XX/XX/XXXX did not match. I asked to speak to his supervisor, I was transferred to the supervisor and went over the situation, he basically could not help me so I asked to speak with his supervisor. I was on the phone with a gentleman I believe his name was XXXX and said the case was being escalated to a research team who would listen to the calls and said they may or may not make an exception for the interest of {$3900.00} and believed I had a strong case for the {$87.00} at minimum. This supervisor also let me know there is a grace period the company allows. I was on the phone for at least XXXX. He let me know someone from the research team would call me back in XXXX hours with a decision. I did to receive a call the following week and due to a family emergency I was unable to follow up that week.
XX/XX/XXXX. I called got an entry level representative and immediately asked to speak to a supervisor which I got and went over the situation. They said I was responsible for the interest per the notes on the account. I was upset as no one ever called to let me know a decision and I asked to speak to that persons supervisor. He told me there was no one else and I informed him I spoke to someone above him last time I called and he finally sent me to another supervisor which I believed to be his supervisor her name was XXXX XXXX ext XXXX ). She went over the notes and told me the notes all say that I was informed I was liable for the interest. This is most definitely not the case, every representative I spoke with gave me the impression the fees were being taken off due to the company 's " grace period. '' She did not have an explanation as to why I did not receive a call regarding the decision. She again looked into the calls and placed me on hold so she could listen to the calls. I asked if I could listen to the calls at the same time and she said that was not possible. I am upset by the fact that had I not followed up, my account would continue to incur interest fees. The company is telling me one thing over the phone and inputting different notes into the system. I spent over an hour on the phone with XXXX while she reviewed the phone calls. She came back and said there is nothing that can be done and that we have not yet started a formal dispute ( which I was under the impression had already started ). There is no record of who put the notes in and the company is conveniently missing recording of the phone calls I had with multiple representatives. She told me my promotional period ended on XX/XX/XXXX and there was no grace period she was aware of ( when multiple other employees told me there was a grace period ) I made the payment on XX/XX/XXXX and she is telling me their system does not show the payment being made till XX/XX/XXXX. This company is not doing right by its customers and the service they are providing, there trained employees tell customers one thing and then the note they write reflect differently that the phone conversations that were actually had which. The end result is the customer being misinformed and as a result the company benefits in the misinformation because finance charges are continuing to add up. I was also to informed a formal dispute had not been started or I would have made sure to start one. I would suggest any phone calls made with this company be recorded by the customer when it comes to a dispute.
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.
11/16/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
PA
18201
Web
I have been trying to remove this account from my consumer report as I do not want to share my nonpublic financial information. In addition, this company has been changing the account number and furnishing it to the consumer reporting agencies every month which is a clear violation of the Fair Credit Reporting Act. I have attached exhibits to prove my claim. The actual account number is XXXX. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a in regards with this account. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802 of the stated account. Comenity bank can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. In Comenity bank terms and conditions they agreed not to share my information with non affiliates. Consumer reporting agencies are not an affiliate of Comenity bank nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. Comenity bank must refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
08/11/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CA
94030
Web
I am copying the letter I sent Comenity Bank for Ann Taylor, as it best enumerates all the issues : I want to preface by stating that my experience with Ann Taylor/Commenity Bank has been nothing short of the worst experience I have ever had with any corporation.
First off, I am sending you proof of payment in full on the XXXX of XXXX, XXXX As it turns out, I was obliged to pay in person at the Ann Taylor store at the XXXX XXXX in XXXX XXXX, XXXX, as your system would not take payments.
I had been attempting payment from the moment I received my first statement. I wont go into depth about this particular aspect, as your sales associates are the only aspect which recommends Ann Taylor to me at all, but I was misled about the card by an associate at the store, and I was calling to cancel the card upon receipt. As you are fully aware, the phone system said one of three things : the system was being worked on ; it stated call back later, upon which it immediately cut off the call.
The call volume was very high; please, call back later. Cut off, again.
Please wait for the next associate, and then Id be cut off after waiting up to forty five minutes.
Of course, I have records of everything.
Once at the store, I explained what was happening and was told that they could do nothing about the credit card part of Ann Taylor. I know this is true because it follows the current day template of corporate lack of accountability.
At what was, I assume, the due by date to pay the card ( which I had, as I stated above, already paid in full ), I began receiving phone calls from an automated system ; not even a live person that a customer could answer : look, I paid, to, thereby forcing the customer to spend his/her own precious time on wasted phone calls. I had, in fact, called, and continued to be put on hold and dropped. I managed to speak to someone for a few minutes, in New York, but that call was dropped, and then, to someone at a call center who stated I now had a late payment. He was unable to help in any way.
So, I returned to the store and begged for help. I realize they are mere employees ( cogs in the machine, as it were ), and are limited to what they can do. However, ( blank ) ( the store manager ), seeing my distress and hearing about my inability to resolve this matter, called on her own phone and we waited together for the call center to answer.
Id like to add that Its amazing that even the managers have no other direct numbers to call, because the credit card bank Ann Taylor uses is just as much the responsibility of Ann Taylor as the stores are.
Finally, a worker came on the line, investigated, and found no payment. However, he assured me, he was cancelling the amount owed and I would receive a letter from Ann Taylor/Commenity Bank XXXX upon which I would send back the receipts to complete the process of getting my account up to date. He said he could not cancel the past due portion because I had canceled my card (? ). But, he assured, I would receive no more phone calls.
Untrue. I have continued to be harassed, because, at this point, that is what Commenity Bank calls have become. You call from all sorts of sketchy numbers, with your computer, often at early hours of the morning, waking me up and waking my mother ( who has XXXX ), who then begins the day more anxious than usual. You have no right to do this. It is unethical and harassment, I repeat. You are causing undue, and unacceptable anxiety for everyone in the household, and taking up inordinate amounts of time that I do not have to spare, which is also costing me money, as I took a day off of work on the one and only day I was able to reach someone on my own.
You are also affecting my stellar credit score, which I demand you fix with XXXX and any other credit agency involved. ( Blank : store manager ) advised I ask you to, in fact.
You will also bring my closed account up to date, and remove any late fees. I am sending this with your statement, as well as receipts and copies of receipts ( if the original is not enough ), as well as the part of my XXXX XXXX XXXX statement which shows the deduction of the balance of {$120.00} which the Ann Taylor store provided ahead of the so called letter, which has not arrived, if it ever will.
I plan to forward this letter as a complaint to Ann Taylor headquarters ( though I dont think it will matter ), as well as to entities overseeing Ann Taylor and Commenity Bank business practices. The company changing owners is absolutely no excuse to put customers through this kind of treatment. We are not inanimate objects to fall through the cracks, and neither Ann Taylor nor Commenity bank have the right to affect peoples lives in this way.
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
206XX
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
911XX
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
XXXXX
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
541XX
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.
07/12/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
FL
33463
Web
Notice of my demand to opt-out of sharing my credit worthiness was received by XXXX XXXX XXXX XXXX COMENITY CAPITAL on XX/XX/XXXX via USPS Certified mail # XXXX after I noticed that my identifying information was being used fraudulently. As of XX/XX/XXXX, COMENITY CAPITAL has failed to respond and abide by its privacy policy and the laws set forth by congress regarding consumers ' right to privacy and nonpublic personal information. COMENITY CAPITAL is willfully and knowingly violating its obligation to respect the privacy of personal, and non-public information in regards to rights for a consumer. They have ignored my opt-out notice and are still disclosing my personal information to third-party companies to which I dont consent. They are invading my God-given inalienable right to privacy. My nonpublic personal and or private information is not to be shared without my willful consent or XXXX XXXX permission which I dont grant them or any Affiliates to share. By having the alleged account number XXXX furnished on my consumer reports. they are defaming my character and it has caused me mental stress. Im severely stressed over the fact that I'm losing sleep, I cant sleep at night knowing that my rights are being violated willfully and knowingly. Losing sleep has taken an adverse toll on my work performance I have lost wages and compensation by the stress that this corporation has caused against me. By COMENITY CAPITAL reporting my nonpublic information regarding my persons creditworthiness to Consumer Reporting Agencies, it is creating further damages. I have demanded that they cease to share any credit worthiness information using my identity information with any third-party affiliates or non-affiliates promptly which they have willfully ignored.
According to Title 15 of United State Code subsection 6801, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Under Title 15 of the United State Code, COMMENITY CAPITAL violates subsection 1681b section 604 by furnishing information on my consumer report without a permissible purpose.
As COMENITY CAPITAL, being a financial institution, it is its duty to honor consumers ' right to privacy by following the regulations congress has set forth for financial institutions to respect consumers ' right to privacy and to limit the sharing of information to affiliates. If theres any consent that may have been given that granted COMENITY CAPTIAL the opportunity to furnish my credit worthiness to third parties or affiliates, this is letter is a formal notice that I revoke consent and opt-out. As COMENITY CAPITAL and Consumer Reporting Agencies are financial institutions subject to the Gramm Leach Bliley Act they shall be liable if they choose to continue to violate 15 U.S. Code 6821 knowingly and intentionally and shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both pursuant to 15 U.S Code 6823.
I'm demanding my non-public information regarding my credit worthiness shall not be shared with any third party or affiliates of your financial institution.
I am informing all recipients that any continuation of my creditworthiness or non public perosnal information of the alleged COMENITY CAPITAL account XXXX to be furnished to my consumer reports or your affiliates in any derivative thereof shall constitute a breach of my right to privacy and fraudulent use of my identifiying information. I allege that any continuation of my nonpublic personal information regarding any form of creditworthiness by COMENITY CAPITAL account XXXXwill constitute a conspiracy against my rights granted to me God, regulated by Congres, and deprivation of my rights as a consumer with willful intent by all recipients of this complaint. Therefore you have been notified of my demand to opt of sharing my credit worthiness regarding the account XXXX with COMENITY CAPITAL and I demand a quick removal of this account from all consumer reporting database within 5 Business days whereas I was never provided any notification that the information was being reported negatively to any third party or a reasonable way to opt due to the fact that this account is a result of fraud. A copy of an Identity theft report and USPS tracking of the initial letter is attached within
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.
09/14/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
PA
19145
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMENITY BANKXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT You, COMENITY BANK are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.
You and your inaccurate reporting have damaged my livelihood.
Under law you have a responsibility of ; 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Duty : a moral or legal obligation ; a responsibility.
Accurate : correct in all details ; exact.
Prohibition : a law or regulation forbidding something.
Furnishers : Companies that supply information about a consumer 's credit history to a credit bureau are called furnishers. These can include banks and credit card companies, debt collectors and others.
As dened by the The IRS - Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return.
The IRS clearly denes a charge-XXXX as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! - which in fact makes COMENITY BANK reporting of this account inaccurate.
By Denition the IRS clearly says a Cancelled Debt or Charge-XXXX is income. The reporting of this account as a debt is in accurate.
15 USC 1681 s-2 denes you COMENITY BANK are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect and inaccurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect information.
Please be advised - The lender must le Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a nancial institution, credit union XXXX federal government agency, or other applicable entity, as discussed earlier in chapter 1.
The above highlighted/mentioned paragraph is taken directly from the Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) SEND ME MY FORM XXXX that you shouldve sent to me when you led this account as a cancelled debt.
My address is listed below XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 ( B ) Reporting information after notice and conrmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notied by the consumer, at the address specied by the person for such notices, that specic information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
In conclusion, I have provided you with the law which prohibits COMENITY BANK from inaccurate reporting. You have now been put on notice that you are reporting inaccurate information. The information and account is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information along with a violation of IRS tax standards.
You have caused me and my family severe nancial harm due to your negligence and inaccurate reporting. This is a nal opportunity to cure and DELETE this erroneous, inaccurate account from my Consumer credit report.
You have XXXX calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER AND CREDIT REPORT!
XXXX XXXX
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
109XX
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
09/08/2022
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
XXXXX
Web
I applied for an XXXX credit card with Comenity Bank XXXX XXXX sometime around fall XXXX to pay for a portion of my XXXX. The card had a promotional offer of XXXX XXXX interest for XXXX months and XXXX XXXX interest thereafter according to their advertising. I set up my account with them online and opted into paperless email statements and signed up for auto pay so the payments would be debited from my checking account automatically and would be on time every month. I never checked the credit card statements since I was setup on autopay so I had no idea when the promotional period was ending since I couldn't remember what month I was approved for the card. I just figured I would see a XXXX XXXX higher payment amount debited when it ended and then I'd pay off the balance so I didn't pay anymore interest besides that XXXX month. I've had lots of XXXX XXXX promo cards and I've always done that. As of XX/XX/XXXX my remaining balance was {$12000.00} and my payment amount was {$450.00}. When I was balancing my checkbook on XX/XX/XXXX I saw a debit from XXXX for {$790.00} on XX/XX/XXXX which was almost double the amount of my normal payment. I went online to my account to figure out what happened and saw that on XX/XX/XXXX XXXX put a charge of {$10000.00} on my account which nearly doubled the balance from {$12000.00} to {$23000.00}. I was shocked and confused and immediately called Comenity to tell them of their mistake. They said that the card I signed up for did not have a 0 % or a 14.99 % interest rate, but was 28.99 % and although I wasn't required to pay the interest every month for 18 months it was accruing and the total of the accrued interest was {$10000.00} which is added to the balance in a lump sum after the promo period. I was irate and said I never signed up for that or agreed to that and I never would. I have an excellent credit score and I get XXXX XXXX credit card offers in the mail everyday and have used many for large purchases and I've never heard of any credit card doing this. She said it was in the terms and conditions. I told her to send me a copy of the terms with my signature where I agreed to such terms because nobody reads terms and conditions and besides it's fraudulent and deceptive to have the terms and conditions be completely different from what is advertised. She said I'd have to mail in a request in writing for a copy of the terms showing my signature. I mailed the request that day and also requested it on their website through the secure messaging on my account. Since this was at the end of the day on a XXXX I couldn't do anything about it, but at XXXX XXXX morning I went directly to my personal bank to move some money around. The transfer did not post to my checking account until XX/XX/XXXX. As soon as it did I immediately paid off the remainder of my balance of {$12000.00} minus the {$790.00} that was debited after their fraudulent interest was added. So the payment was {$11000.00}. On XX/XX/XXXX I received in the mail a copy of the terms stating an interest rate of 28.99 % to be accrued, but nowhere did it have my signature. After being sick with the flu I saw my lawyer who advised me to write a letter to Comenity and send it certified mail describing my experience with their deceptive advertising and requesting that if they remove the {$10000.00} fraudulent interest charges I would not bring a lawsuit against them. On XX/XX/XXXX I sent the letter. I got a confirmation from the post office that it was received by them on XX/XX/XXXX. On XX/XX/XXXX I received a response that they were investigating the case. I checked my XXXX account and they adjusted the {$10000.00} off as well as an additional {$630.00} for a finance charge leaving my account balance at- {$630.00}. At that point I thought it was over so on XX/XX/XXXX I sent a message to them on their website through the secure messaging on my account requesting that the {$630.00} over payment be mailed to me in a check and my account be closed. On XX/XX/XXXX I received in the mail a letter from Comenity stating that their investigation is now complete and they were closing the case. I checked my account to make sure it was a XXXX balance and it was closed and the balance was {$10000.00} and a minimum payment of {$350.00} is due XX/XX/XXXX. So now I guess I have to take some sort of legal action although I don't have the funds for a lawyer.
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
XXXXX
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
734XX
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.
12/12/2023
Yes
Credit card
General-purpose credit card or charge card
Getting a credit card
Delay in processing application
HI
967XX
Web
Older American
Comenity Capital Bank XXXX XXXX XXXX XX/XX/XXXX What would be fair : Comenity Capital Bankss offer ; assist thru the end of completion of all documents & application process, to final approval, necessary so everyone is in compliance, to reach approval.
I have a XXXX score as of XX/XX/XXXX XXXX of XXXX, per XXXX Card Member Since XXXX & per XXXX XXXX Card Member since XXXX.
The Hawaii Major Disaster Declaration signed by the President of the United States., Is to help people restore their lives quickly. Address, identification, mail; following the Patriot Act Section 326.
Most all XXXX rural outer Islands are all No Physical Carrier Mailing Service to a physical address, services by Federal Law are to be free, when un-serviceable. I have been complying with the Patriot Act since enforced.
So, you can understand the XXXX lifestyle : The worst of Hawaii, no mail to a physical address by the USPS therefore by Federal Law we are not charged, blocked phone service by terrain infrastructure, no water - drive to a well spigot & haul it, collect rain water to shower/bath, no trash service. All sandals, clothes, soap, shampoo, razor blades, dog, cat food, this month & every month out of stock, some expensive high end can be found, some can not. In exchange XXXX experience 365 days of warm summer weather and a XXXX Hurricanes Season.
To open a Credit account, requires verification to a physical address. Ive been going thru this with all my credit cards, must be initially mailed to a physical address, whether receivable or non-receivable.
I do not have the Comenity Capital Bank XXXX XXXX #, please provide it.
I need an application # to follow your compliance of the XXXX XXXX, for return to sender.
All calls on XX/XX/XXXX to the only Comenity Capital Bank numbers XXXX and XXXX, do not have anything under my Social Security #. An additional phone number to be provided would be helpful to all.
I would like to apply, or apply again for a Comenity Capital Bank XXXX XXXX.
I have never provided proof of my physical address, have no way.
Please use this phone number XXXX for the application, used by all other banking institutions, and XXXX, XXXX, XXXX, XXXX, & XXXX.
We are instructed by the CFPB not to provide any personal information.
I welcome the quickest way to resolve, Im uploading numerous proof ; Drivers License, Social Security XXXX County of Hawaii Assessor Finance & Real Property Tax, XXXX XXXX per DEA Federal Controlled Substances Act, Quick Claim Trust, Utilities service, USPS no charge non-servable.
My Trust is 2 dozen confidential pages. XXXX XXXX needed it, I sent a short form.
XXXX extremely happy you can & are willing to help enter the Application process, due to being blocked by XXXX mountains from phone reception and a damaged infrastructure.
XXXX, willing to take a chance, to get the application completed in the quickest way.
Attachments are my personal information documents as proof of physical address compliance.
XXXX XXXX Physical Address DEA Compliance CoH Assessor Dept of Finance XXXXroperty Owner Site Address CoH Assessor Real Property Tax Property Address Parcel ID XXXX XXXX XXXX Address Bureau of Conveyances Quick Claim Parcel ID Exhibit A land situated Driver License Physical Address Social Security & Mailing Address USPS {$0.00} service charged Notice some documents have no city & zip code which is really the truth, I have none.
I took me over XXXX years to finally learn, to follow the County of XXXX XXXX XXXX XXXX I have no city and zip code.
My physical address city & zip are manipulated by XXXX, XXXX XXXX any many, as the data base they use is USPS, which indeed is no such address in their data base. Therefore, I have been accused of Conduct & Fraud endlessly. Bureau of Conveyances uses no address only land situated.
Providers must manipulate my street address to be accepted, using XXXX XXXX XXXX XXXX, which is legit. XXXX XXXX XXXX XXXX, is 100 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is most correct.
My situation will begin repair, when I can start proving myself, and be believed by all, at age XXXX.
Thank you for the help, as Hawaii is very different, for many to understand. So different XXXX XXXX claims Hawaii is a US Territory, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX say I have no rights, do not live in a State.
Thank you
04/09/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
OR
XXXXX
Web
I was at XXXX XXXX in XX/XX/2022 to celebrate my birthday with my wife. Someone told my wife that there was an interesting site seeing where she could see a resort and have gift, and everything would end within 30 mins. She came to tell me, and I agreed to go with her. On getting there XX/XX/2022, we realized it was a deception and it was a marketing strategy by XXXX XXXXXXXX and XXXX XXXX. We were directed to XXXX XXXXXXXX where we were held for like 4hrs, and after they asked us to join their membership, we said no. They tried to convince us, but we insisted No, and we were directed to a guy called XXXX to check us out and give us the gift. When we got to him, instead of checking us out, he started talking about why we are refusing to be part of the vacation club member. I said I was not interested, at this point my wife was dehydrated and weak, and she felt the only option she had for her safety was to say yes. She said yes, and she told me in our local language that she would let them know after leaving there that she was forced to say yes because she feared for her safety, and she would retract her interest. I insisted I was not interested. XXXX told me that I would need to give him my information to support my wife 's interest, and that has no financial responsibility. He also said that the contract document would be mailed to my wife, and she would become a member only after signing the contract document. After collecting all my information, I requested a give me a copy of the show of interest document since he said he would give us a copy of the document. XXXX responded that it would come along with the contract document, and it would be useless, until my wife sign 's the contract and mail it back to him. We left that day and returned to our base.
On the XXXX of XXXX, the welcome package came under my wife 's name without any contract document, and we placed a call to the numbers on the documents to tell them that my wife was not interested. The lines were going to voice mail automatically, and voice message was left to show that she was not interested any more, and her initial show of interest was based on fear for her safety.
Towards the end of XXXX, then I saw a letter that a vacation credit has been approved under my name and bill from Comenity bank expecting my monthly payment for a total approved credit of around {$3200.00}. I called Comenity bank and they said it was vacation credit that I applied for through XXXX. I said I never applied for any credit, and they said I need to talk to XXXX XXXX. I asked them how would they approve a loan applied by a person on another person 's behalf without verifying with that person? They said since the person has all my information, they believe and approved it. I asked what if the information was obtained fraudulently? They were not able to give further answer. I said XXXX fraudulently used my information to obtain this vacation credit. They said their investigation showed it was true contract. Then I realized they were all involved in this fraud. I also contacted XXXX, and they insisted it was a valid contract. I said I did not sign any contract, and the XXXX fraudulently used my information to obtain a vacation credit. That how come the name on the welcome package and contract be different? I contacted XXXX, directors, and presidents, and it is 4 months now, they have not closed the account and the kept sending me bills and spoiling my credit score. I have sent countless number of mails and emails, I asked the bank to tell XXXX to return the loan that I disputed it, nothing is done till now, and they kept saying they are valid charges. I also requested for a copy of the forged contract document, no one is sending it to me. While Comenity band had refused to retract the loan under my name.
Also, XXXX has refused to respond to countless emails I send, and their organization has done nothing to close this fraudulent account.
The tracking number for the letters I sent through USPS are shown below : XXXX addressed to XXXX XXXX XXXX addressed to XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX addressed to Comneity Bank XXXXXXXX addressed to XXXX XXXX XXXX addressed to Comneity Bank Fraud Dept XXXX addressed to Comneity Customer Relation XXXX addressed to Comneity Bank Customer Relation XXXX addressed to Comneity Bank Fraud Dept
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
06/21/2022
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
NY
103XX
Web
RE : Request to REMOVE : Ann Taylor/ Commenity Bank Account # : XXXX To whom it may concern : This is to confirm that this account has been paid and closed. This account was included in a Stipulation Settlement Agreement which include the deletion of this account : Ann Taylor/ Commenity Bank XXXX XXXX. In addition, this account has expired and passed per the statute of limitations which is XXXX years for the XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX. XXXX XXXX signed legislation to cut the statute of limitations on most debt from XXXX years to XXXX years. As of XX/XX/XXXX, XXXX XXXX has a three-year statute of limitations on many kinds of consumer debts, including credit card debts ( NY Civil Practice Law and Rules section 214-i ).
Please see a copy of CFPB complaint # XXXX and the response from XXXX XXXX and XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX Ann Taylor XXXX XXXX ) repling clearly that they not only confirm I have paid this account in court and they have sent me the Stipulation of Discontinuance by Court, but also clearly state to contact Comenity Bank regarding the tradeline reporting to the credit bureau XXXX
Plese see also copies of Settlement Agreement including Stipulation of Discontinuance by Court.
But Ann Taylor/ Comenity Bank response in a letter denying this and continuously stating to contact XXXX XXXX XXXX XXXX for the removal of this account. They also clearly state that they are no longer the creditor, but keep reporting to all credit report the above reference account.
Please see proof of one of the credit report reflecting Ann Taylor account including their address!
I have provided sufficient documents from the court that not only this account has been paid but also is clearly reflect to DELETE the account once is paid on the Stipulation Settlement agreement. I have also the Stipulation of XXXX as proof of deletion request of this account Please see the enclosed copies.
Both : XXXX XXXX XXXX XXXX and Ann Taylor Comenity are denying of being responsible for the removal of this account from all credit reports. This is not right!
This account has been settled including the IN COURT deletion of the account. This account should be removed from all credit reports.
Since Comenity Bank is not the creditor as they state, then they have no rights or authority or power toward my credit reports reporting this account time to time, and no authority to keep reporting or updating the account. This account should be delete it by NOW! This ACT is unlawful because other debt collector will see this in my credit reports and keep suing me for an account that shouldnt be there. This account has passed the statute of limitations and has expired!
.
Please see company response from XXXX XXXX XXXX and their lawyers XXXX XXXX XXXX XXXX XXXX Company Response complaint # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) commenced an action against XXXX XXXX for unpaid debt due on a Comenity Bank account XXXX XXXX XXXX on or around XX/XX/XXXX. XXXX XXXX and XXXX reached a settlement agreement that was paid in full on our around XX/XX/XXXX. Our office prepared a Stipulation of Discontinuance and mailed it to XXXX XXXX which has been filed with the Court ( attached ). XXXX XXXX is advised to reach out to Comenity Bank regarding the tradeline reporting to the credit bureau.
Company Response Complaint # XXXX : XXXX XXXX appreciates the opportunity to respond to XXXX XXXX 's XXXX. The account she references in her notice was an Ann Taylor XXXX originally issued by Comenity Bank. The account was opened on XX/XX/XXXX and was charged off by Comenity Bank on XX/XX/XXXX. The last payment made on this account prior to chargeoff was made to Comenity Bank on XX/XX/XXXX. XXXX XXXX purchased this account on XX/XX/XXXX. Please be aware that XXXX XXXX is not reporting to XXXX XXXX 's credit report. XXXX XXXX is not a credit reporting agency. Because of that fact I can not make any judgement as to what is showing on XXXX XXXX 's credit report. She may wish to contact the original creditor to determine if they have any reporting on the account. Comenity Bank can be reached at : XXXX. Attached to this response is a Release of Claim letter XXXX XXXX requested, indicating that the account is closed in our files and that XXXX XXXX has no further obligation to XXXX XXXX
06/21/2022
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
NY
103XX
Web
RE : Request to REMOVE : XXXX XXXX Commenity Bank Account # : XXXX To whom it may concern : This is to confirm that this account has been paid and closed. This account was included in a Stipulation Settlement Agreement which include the deletion of this account : XXXX XXXX Commenity Bank ending XXXX. In addition, this account has expired and passed per the statute of limitations which is three years for the NY State. In XX/XX/XXXX, New York Gov. XXXX XXXX signed legislation to cut the statute of limitations on most debt from six years to three years. As of XX/XX/XXXX, New York has a three-year statute of limitations on many kinds of consumer debts, including credit card debts ( NY Civil Practice Law and Rules section 214-i ).
Please see a copy of CFPB complaint # XXXX and the response from XXXX XXXX and XXXX ( Representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) repling clearly that they not only confirm I have paid this account in court and they have sent me the Stipulation of Discontinuance by Court, but also clearly state to contact Comenity Bank regarding the tradeline reporting to the credit bureau XXXX
Plese see also copies of Settlement Agreement including Stipulation of Discontinuance by Court.
But XXXX XXXX Comenity Bank response in a letter denying this and continuously stating to contact XXXX XXXX XXXX XXXX for the removal of this account. They also clearly state that they are no longer the creditor, but keep reporting to all credit report the above reference account.
Please see proof of one of the credit report reflecting XXXX XXXX account including their address!
I have provided sufficient documents from the court that not only this account has been paid but also is clearly reflect to DELETE the account once is paid on the Stipulation Settlement agreement. I have also the Stipulation of Discontinuace as proof of deletion request of this account Please see the enclosed copies.
Both : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are denying of being responsible for the removal of this account from all credit reports. This is not right!
This account has been settled including the IN COURT deletion of the account. This account should be removed from all credit reports.
Since Comenity Bank is not the creditor as they state, then they have no rights or authority or power toward my credit reports reporting this account time to time, and no authority to keep reporting or updating the account. This account should be delete it by NOW! This ACT is unlawful because other debt collector will see this in my credit reports and keep suing me for an account that shouldnt be there. This account has passed the statute of limitations and has expired!
.
Please see company response from Second Round Sub and their lawyers XXXX XXXX and XXXX : Company Response complaint # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) commenced an action against XXXX XXXX for XXXX debt due on a Comenity Bank account XXXX in XXXX on or around XX/XX/XXXX. XXXX XXXX and XXXX reached a settlement agreement that was paid in full on our around XX/XX/XXXX. Our office prepared a Stipulation of Discontinuance and mailed it to XXXX XXXX which has been filed with the Court ( attached ). XXXX XXXX is advised to reach out to Comenity Bank regarding the tradeline reporting to the credit bureau.
Company Response Complaint # XXXX : XXXX XXXX appreciates the opportunity to respond to XXXX XXXX 's concerns. The account she references in her notice was an XXXX XXXX XXXX originally issued by Comenity Bank. The account was opened on XX/XX/XXXX and was charged off by Comenity Bank on XX/XX/XXXX. The last payment made on this account prior to chargeoff was made to Comenity Bank on XX/XX/XXXX. XXXX XXXX purchased this account on XX/XX/XXXX. Please be aware that XXXX XXXX is not reporting to XXXX XXXX 's credit report. XXXX XXXX is not a credit reporting agency. Because of that fact I can not make any judgement as to what is showing on XXXX XXXX 's credit report. She may wish to contact the original creditor to determine if they have any reporting on the account. Comenity Bank can be reached at : XXXX. Attached to this response is a Release of Claim letter XXXX XXXX requested, indicating that the account is closed in our files and that XXXX XXXX has no further obligation to Second Round.
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.
06/09/2022
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
GA
XXXXX
Web
FRCA violations : Failing to Follow Debt Dispute Procedures Unreasonable and innaccurate reporting to the credit bureaus. Furnishing and Reporting Inaccurate Information Creditors must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a debt as charged-off when you settled it or paid it in full, misstating the balance due, reporting late payments, listing me as a debtor on an account when I were only the authorized user, or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 15 U.S. Code 1679c - Disclosures ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over XXXX years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within XXXX business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureaus reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact : The Public Reference Branch Federal Trade Commission XXXX XXXXXXXX XXXX. ( b ) Separate statement requirement The written statement required under this section shall be provided as a document which is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material provided to the consumer. ( c ) Retention of compliance records ( 1 ) In general The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement. ( 2 ) Maintenance for 2 years The copy of any consumers statement shall be maintained in the organizations files for 2 years after the date on which the statement is signed by the consumer. ( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX. A, title XXXX, XXXX, XXXX XXXX, 1996, XXXX XXXX. XXXX. )
11/16/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Problem getting a working replacement card
AR
726XX
Web
Servicemember
On XX/XX/XXXX, I was advised that Comenity Capital Bank would be taking over my existing XXXX XXXX XXXX credit card from XXXX XXXX XXXXXXXX and a new card would be issued as a XXXX XXXX XXXX XXXX Credit Card. I was advised that I could 'expect my new XXXX XXXXXXXX XXXX XXXX to arrive no later than XX/XX/XXXX '.
It was further stated that I would be unable to make payments on account on XX/XX/XXXX but payments would resume on XX/XX/XXXX... .and that by this XX/XX/XXXX my new credit card should have arrived for me to activate! Instructions were given for online account management and activation. And if there were questions to call XXXX.
Well, XX/XX/XXXXXXXX XXXX XXXX came and went, but it was a weekend so I watched for my card to arrive ... By XXXX of XXXX I started calling but discovered the customer service phone number is only helpful IF you have your card number or account info. Of course, without a card I could not activate or establish an account. There is an option to enter your contact info as well as SS # detail but it reported there was no account for that info! Well, duh, without receiving a card at all I was in a real Catch 22.
On XX/XX/XXXX, I composed a letter and mailed registered mail to Comenity Capital Bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, explaining that I need a replacement card mailed. The USPS tracking # XXXX showed the letter arriving at XXXX XXXX XXXX on XX/XX/XXXX. I now realize that it is no doubt still sitting in the mail box with no one bothering to pick up the letter. Tracking says XX/XX/XXXX - Moving Through Network - In Transit, Arriving Late and no further info.
On XX/XX/XXXX an email welcomed me to Comenity and advised me to activate my card .... of course, I still had received no card to activate.
I traveled out of town XXXX XXXX but continued to monitor the USPS as well as emails.
I received email XX/XX/XXXX - " Please be aware that the payment due date for your new XXXX XXXX XXXX XXXX XXXX Credit Card ( account ending in XXXX ), is different than the date assigned by the previous bank that serviced your XXXX credit card. '' Aha, now I know my account does exist and ends with numbers XXXX!! HoOWEVER the news that my account is due on XXXX instead of XXXX was quite disturbing. Partly because I was arriving home from a family visit and would need to take care of this problem asap, before the XXXX.
Extenuating circumstances : On arrival back from family trip, my husband had a XXXX XXXX ( XX/XX/XXXX ) and was hospitalized in XXXX XXXX XXXX from that evening until his death XXXX XXXXXXXXXXXX XXXX on XXXX.
While traveling I had my mail held but did retrieve it on Mon XX/XX/XXXX - no credit card in the mail that had arrived!
On XXXX I received email reminding me to activate my Card!!!
Back to extenuating circumstances : My husband entered XXXXXXXX XXXX on Sunday XXXX - I made a quick trip home to get what I needed to stay with him and found the credit card in the mailbox!
My husband passed on XXXX so it was XX/XX/XXXX before I could go online and activate the card and actually make a payment.
It appears my statement posted on XXXX and shows a late fee of {$29.00} on XXXX and an interest fee of {$7.00} posted on XXXX.
Please note at the time of the late fee ( XXXX ) and the interest fee and statement closing ( XXXX ) - I HAD STILL NOT RECEIVED NOR ACTIVATED THE ACCOUNT CARD!!
I made a full payment of the expected balance plus late fee and interest fee {$440.00} and it posted to the account on XX/XX/XXXX, XXXX XXXX, imagine that!
I have numerous complaints as to the integrity of this company and it's nonexistent customer service during this time of transition with XXXX. My request to settle this is to have Comenity remove the late fee charge AND to NOT submit this late payment to credit bureaus.
If this is not settled as requested I will pursue disputes with credit bureaus as well as post this complaint to all known online entities for Consumer Fraud and Bad Business practices.
XXXX I do not consider the email from the President XXXX XXXX offering POINTS as a way to apologize for the huge faux paux of this disastrous transition to be adequate in any way to cover the extreme time-consuming effort on the consumers to correct these errors. ( letter is documented in attachment )
11/03/2023
Yes
Credit card
Store credit card
Fees or interest
Unexpected increase in interest rate
CT
06877
Web
I made a purchase at a jewelry store on vacation in XXXX, Florida. I was asked to open a Diamonds International Credit Card with no interest to make the purchase. There had been NO explanation to the promotion offered or the details with the merchant. I paid my monthly payment every month on time online. My last payment, made on time on XX/XX/XXXX was made online. I tried to review my APR with some searching. It was not easy online on the Diamonds International website and the information was not clear in view. I could not open any previous statements with ease as my paper statements were unavailable at the time. The online statements were simply unavailable, unable to open.
I was unaware of the APR and the promotional time period would be expiring because it was not visible on the online pages of the Diamonds International online statement. The full balance of {$2200.00} was in BOLD type along with my credit line amount and minimal payment due. Promotional information was NOT visible or available.
On XX/XX/XXXX, I opened mXXXX XXXX XXXX XXXX XXXX account online to make a payment. To my surprise, {$1900.00} in compoundable interest was posted to my account on XX/XX/XXXX, with no notable warning, expression or reasonable announcement on this online portal. I called customer service on XX/XX/XXXX at Diamonds International for information and to request the charges be removed on my account.
I had consistently made my on time payment. I had made a complaint that the promotional information was NOT clearly posted online and they said NO, they could not reverse the charges. I offered to pay my bill in full if he would kindly remove the charges for the interest and he still said NO. I mentioned to the representative that I had a very sick husband that had suffered COVID as well as a secondary illness that has made him continually sick for over a year and he still would not offer to help me.
Upon the second time calling customer service on XX/XX/XXXX I requested for a second time for the charges to be removed due to the company 's lack of information offered online. I was told NO for the second day in a row and that I will need to pay the full amount of the new bill for a total of {$4100.00}. I asked for a concession and to please remove the compounded interest as I was NOT informed of the upcoming promotional charges and times this promo had expired. She explained to me if I had called within 72 hours of my due date on XX/XX/XXXX, Diamonds International and Comenity Bank could have reversed the interest added to my account and removed it. I explained this was stated NO WHERE on the online statement. The customer service representative then stated there were plenty of announcements on my paper bills that had been mailed to me. I explained due to my husband 's severe XXXX related diagnosis and his illness for the past 18 months, I was traveling with him for treatments and had not received any of this information or read any of this information. I explained he had been sick for a long period of time, out of work and unable to function. I offered to pay my balance in full, if she could provide me with a credit to the compounded interest of {$1900.00} The customer service representative would not offer to help me in this situation, that included a Covid hardship, or transfer me to supervisor to offer a logical resolution. I told her the information for promotional periods was not made clear on their payment portal website and it was very misleading for me to be told some of the details of the agreement with COMENITY bank that applied to me that was NOT clearly written on the online website while I made my payments in the past. The only information offered in BOLD face type was my credit line, my balance and when my minimal payment was due.
My other larger bank credit cards have this information clearly posted for consumers to read, specifically WHEN a promotional period is ending. Diamonds International and COMENITY Capital Bank and Bread Financial are confusing consumers by NOT posting the proper information on their websites and payment portals to provide consumers with the knowledge and power to make sound financial decisions. I was not offered any help with my bill from a XXXX hardship we were experiencing in my family.
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. )
06/03/2023
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
MA
023XX
Web
Older American
On XX/XX/2022 we bought tile from the XXXX XXXX in XXXX, XXXX. using the 0 % financing that they offered. Several months later we found out this program was through Comenity Bank. We believe Comenity Bank acted fraudulently in this matter causing me many, many hours on the phone with customer service reps apparently reading scripts, much duress, damage to my credit score, negative financial impact on my resources, and the problem is still continuing.
When we opened this account at the store we were told we would receive documentation concerning this financing, account information etc. in the mail. During the months of XXXX, XXXX and XXXX we called the store XXXX times, we were concerned because we hadn't received paperwork or a bill. We were told they looked into it, everything was normal and we should be receiving it. It should also be noted that during this period I received several ( XXXX or XXXX ) phone calls from a restricted number, which I didn't answer. I only know XXXX person who calls on a restricted number which I don't answer but he will leave a message. This is where the scam on XXXX 's part begins. On XXXX XXXX, I received a call from a restricted number, this time they left a message. It was concerning my delinquent account and I was to contact them so they could help me with it. Interesting that no messages were left until my account was delinquent, interest and fees had kicked in. As shown in my credit report the account was shown XXXX for XXXX and XXXX, and then XXXX for XXXX. Not knowing if this was a legitimate call we went to the store on XXXX XXXX.
The XXXX said there was nothing he could do, we were on our own with the bank. We spent an hour and a half on the phone while in the store, and gave up, deciding to resume call on the way home. After hours of listening to a customer service rep reading scripts and telling me nothing they could do, I was put through to a XXXX, XXXX, XXXX. She repeatedly said basically the same things. They knew the bills and paperwork were going to the wrong address ( they were being returned to them ). they contacted me XXXX times ( the calls on a restricted number with no message ) but she didn't know how the phone system worked. They could have emailed, left a message, or contacted the XXXX XXXX which they didn't. I wanted to get a statement right away so I wouldn't be late with this months payment, but she said they couldn't do that and we would be delinquent again building up more fees and interest and further damage to my credit score. We were then basically bullied into paying {$570.00} immediately, which we did, and without being able to see a statement. We had to give payment information to her because at this point we still didn't know our account number so couldn't pay online.
On XXXX XXXX I called customer service, ( XXXX? ) wanted to get a statement right away so I wouldn't be late again and to see what was included in my pmt of {$570.00}. She said she couldn't do that until Mon and it would emailed it to me. Also I was again told they couldn't give me my account number so I could view my account online. I would find out my account number when I received my card in about XXXX days. I did not receive an email with the requested statement. I will say that on that first payment XXXX was able to subtract the fee and interest, but now with the statement I just received, we are now back to adding interest, and this will mean many more hours of stress on the phone and watching my XXXX XXXX drop. We have acted in good faith throughout this horrific experience, my XXXX XXXX has been irreparably damaged ( including financial as it affects such random things as insurance rates, loan rates etc ) and my previously near perfect credit score reflects, I have always and also in this matter acted responsibly in financial matters. I believe Comenity intentionally made unidentified ( restricted ) calls with no message until they could assess penalties and then they could say repeatedly " we contacted you XXXX times ''. Also they were aware I was not receiving the bills. They made no attempt to help. There are no documents to attach except my damaged credit report, it started at XXXX before this, but they do have recorded phone calls which will substantiate all 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
770XX
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.
02/22/2023
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
TX
793XX
Web
I have been dealing with identity theft and its repercussions for over 8 years now at least. I first noticed this account with the original creditor prior to XXXX. I tried contacting them, however, they would not speak with me because I couldn't verify the security questions they were asking. I asked them to close the account as fraud, to which they still said they couldn't speak with me because I couldn't be verified. This account was soon after removed from my credit report, so I assumed it was canceled.
Fast forward to XX/XX/XXXX, I received a citation for a lawsuit for another fraudulent debt, which got me to start checking my credit report. I noticed XXXX as one of the negative accounts. I contacted them via phone and certified mail ( XX/XX/XXXX ), to which they told me the debt was sold to XXXX XXXX and gave me their contact information. I had asked XXXX for verification of debt via the letter, but they said it was sold to XXXX XXXX XXXX
I filed an identity theft report with the FTC in XX/XX/XXXX, listing this account as well as others that were still appearing on my credit report. On XX/XX/XXXX, I sent two letters in the same envelope via certified mail to XXXX XXXX. The first letter was asking for full validation/verification of the debt as well as notifying them of the dispute due to identity theft. The second letter in the envelope was for a cease and desist after they sent the validation/verification. I also included the identity theft affidavit from the FTC, as well as a police report from XXXX when I had another identity theft incident in regards to false unemployment claims filed under my name. I never heard anything, nor received a validation/verification from XXXXXXXX XXXX XXXX I did, however, receive the signed return receipt showing that XXXX did receive the letters.
In late XX/XX/XXXX, I received a citation of lawsuit from XXXX XXXX XXXX, XXXX. in XXXX, TX at my po box . I responded to this within the required timeframe in early XX/XX/XXXX with the lawsuit answer, along with the identity theft report from the FTC. Copies certified from the court were sent to XXXX XXXX XXXX, XXXX. via certified mail.
On XX/XX/XXXX, I called to the original creditor to gain more information. They again referred me to XXXX XXXX. I called XXXX XXXX to ask why I never received the debt validation/verification as requested from the letter send on XX/XX/XXXX. They confirmed receipt and said they forwarded everything to another organization named XXXX XXXX on XX/XX/XXXX and I would need to ask them why it was not sent. XXXX gave me the number to XXXX XXXX, which I called. I asked the same thing of XXXX XXXX, to which they said that anything would have been sent to the local attorney handling the case, XXXX XXXX XXXX, XXXX. and gave me their number. I contacted XXXX & XXXX, XXXX, and from what little they would tell me, it does not appear that the letters were ever sent down to them. They have asked me to re-send everything to them via email so they can start an identity theft packet. They also kept asking for a Police report. In the past when I called XXXX Police to ask how to proceed with the credit card identity theft, they advised that the FTC report trumps any report they would be able to take since the FTC is the federal level official agency to report the issue to.
My issue is that XXXX never fulfilled the requirement to sent a full validation/verification of the debt and pass the issue onto others, who then say they never received it. In the midst of all of this, I have been on different medications from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and attempts due to the identity theft and different bill collectors saying they are coming for my house and my property. Under the advice of the Texas DMV, I replaced my driver license in XX/XX/XXXX after I found out that my license, social security number, phone number, email address, and other identifying information was found on the Dark Web. Due to multiple data breaches over the years, Ive had to set up credit bureau blocks with XXXX, XXXX, and XXXX. Ive had to set up active credit monitoring with those three companies. Ive had to file identity theft reports with the State of Texas and the IRS. My life has been difficult and Im trying to find an end.
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
751XX
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
04/02/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
AZ
85086
Web
I originally opened this account in XXXX of XXXX and never received the first billing statement so when I did it was already past my due date so I called them to talk about the issue and I sent them a check for the full amount with a late fee. I paid through XXXX XXXX Bill Pay on XX/XX/XXXX and Ulta Comenity on XXXX but when I spoke to them around XX/XX/XXXX to see if they got the check they told me NO and to place a stop pay on the check which I did and after I did that they deposited the check and when I called them they told me they had the check since XXXX. So they would credit me the XXXX late fee and it would show a credit but the statement obviously got all reversed again because my bank wouldn't clear the check so now there's another new late fee causing my bill to go to XXXX due to Ulta, Comenity telling me the check was lost. So I then paid in full the new amount just to be done. There have been no new charges since the first charge of about XXXX roughly. They are applying the checks after the due date and admitted to having the check on XXXX which the bill was not due until the XXXX of them month. I should have a XXXX balance now but last month there was a XXXX cent charge from interest from the late fees they should have removed but never did. I called again in XXXX saying there was a balance again of XXXX and what do we need to do because I call every month to square this up with you and somehow I accrue another late fee. The lady said if I paid the XXXX interest charge she would clear the XXXX and swore to me the statement I'd get in XXXX would be {$0.00}. Well, the statement came and it's for {$80.00}. They never took the XXXX off like promised and then charged me another XXXX late fee. They keep saying they aren't holding checks but my bank statement is showing it's sent through bill pay on a certain date the statement with the credit card is showing they are not applying the payment for around 2 weeks.
I went in and paid online in XXXX to make sure this was cleared up and she promised should would take the late fee off but now in XXXX they reversed that late fee and added another one so it's XXXX.
I purchased XXXX item for XXXX and I've now had to pay XXXX total for that one item because they aren't doing what they say and charging more fees. I've had to call every month since XXXX to get this fixed with empty promises of what they are gon na do. So today XX/XX/XXXX I just went in and paid the XXXX late fees on late fees that I was told they were removing just to be done!!!! I can't do it anymore and they are by far the worst company and seems a bit fraudulent. I have a great credit and they also told me this would not be reported to the bureaus but that was a lie to ... .they reported late payments on my credit. I'd like an investigation and a complaint filed on this matter because every month I tried to fix this but they fell short of what they told me.
XX/XX/XXXX Ulta Card {$190.00} ... XXXX XX/XX/XXXX Check Cleared XX/XX/XXXX Ulta Card {$170.00} ... XXXX XX/XX/XXXX Stop/Return on XX/XX/XXXX they gave me a late fee for XXXX when the payment wasn't even due until the XXXX. I made the XXXX payment online on their site this time and the lady said she would make sure the XXXX was reversed and watch the account apply the XXXX when it showed up. The XXXX was XXXX day late and she told me should go in and reverse it to ensure there was a XXXX balance in XXXX but it's not there's two more late fees. I called today to discuss with them and they now were rude telling me they don't do that and I've used up 1-2 chances but those were used up due to their mistakes on not applying my original payment on time when they received the check on XXXX. It's crazy how I get numerous stories from each person I talk to and having to go through the process since XXXX is now getting beyond irritating that I felt I needed to file a complaint.
Latest Transactions ( Statement XX/XX/XXXX - Today ) Date Description Amount XX/XX/XXXX Scheduled Scheduled {$80.00} XX/XX/XXXX LATE FEE DEBIT {$41.00} XX/XX/XXXX PAYMENT - THANK YOU - {$3.00} XX/XX/XXXX LATE FEE {$40.00} XX/XX/XXXX *FINANCE CHARGE* PURCHASES REFUND - {$0.00} XX/XX/XXXX REFUND OF LATE FEES - {$41.00} Review All Transactions
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
04/30/2022
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
NY
103XX
Web
Dear CFBP Team, XXXX XXXX XXXX XXXXXXXX sued me through XXXX, XXXX and XXXX aka XXXX XXXX XXXX XXXX for the account of Ann Taylor Mastercard/Comenity Bank ending XXXX for {$2700.00}. Matter # XXXX File for this case is # XXXXXXXX XXXX. They are not the original creditors but debt collectors. Please note I never seen the full chain of titles/complete bill of sales and review the statute of limitations.. In addtion, this is my third year of unemployment on and off. Ending sick and several debts. It was out of my control the changes of circunstances. Lost my car too by breakdown. I have seek legal assistant through XXXX for advice. They could represent me for a day. But since this was a long process of back and forth with the plaintiff I decided to negotitated. I feel it was a mistake. When I went to the court first citation XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Plaintiffl lawyer pulled me over and offered me a settlment of {$2300.00} amount to settled the account. It was pretty high for me since I am unemployed. Orignallly the balance was {$2700.00}. I told him I am not working at the present time, but decided to offer him {$900.00} to settled the account without looking at the full chain of titles and the statutes of limitations. He then told to send them the harship of unemployment document and to call themfor the settlement offer {$900.00}, for the office to review. I have sent this info via cerity mail. Then I have called them to follow up and when I spoke with the receptionist she was asking full amount. I told her that was not I spoke in court with plaintiff lawyer. XXXX then provided me an ext for a Manager. Once I have tranfered, I was sent to the VM. I have called several times but I was sent to the VM. I didnt heard since from them until I follow up on the second court citation XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX met the plaintiff lawyer again sayed the that office rejected the offer of {$900.00} and rejected the harship doc and they will accept the amount of {$2100.00} to settled the case. I accept the offer under my unemployment circunstance and several other debts on the side. SInce I am accepting the officer, I told the plaintiff lawyer I want to request in court Stipulation of Settlmenent Agreement. The judge gave me 30 days to pay this. In addtion, once the stipulaiton settlment agreement was reviewed in front of the judge I did request to add the account since was not there but the file # and making sure the deletion of AnnTaylor/Comenity ending XXXX is included. They gaved me 30 days. I have borrowed the money from my mother and sent them the settlement payment via Certify Mail using a XXXX Check. I have able to confirmed that they not only received the settlement payment check on XX/XX/XXXX at XXXX, but the check was immediatelly cashed after investigate with XXXX check cashing. As of today they did not remove this account from all my credit reports. They did not keep their word by court that they were going to delete this account from all my credit reports once the FINAL PAYMENT is received. That never happened. The account still reflecting in all my credit reports hurting my score. After all my sacrifices and efforts to solve this account., They did not keep their word by court that they were going to delete this account from all my credit reports after payment. I have also find out this is an expired an account. The creditor or debt collector can't sue a debtor to collect the debt. In addtion by the law I am exempt due to unemployment. Also in XX/XX/XXXX, XXXX. XXXX XXXX signed a new legislation to cut the statute of limitations from six years to three years. Technically this account passed the statute of limitations and should be delete it from all credit reports besided that this already been settled and in court request deletion of this account. Please see the enclosed proof of Stipulaiton of Settlement Agreement including court documents, tracking and copy of check for your review. It is putting in a position to file a bankrupcy as a final. This is the reason that I have no more choice but to report it to the FTC and CFPB.
A banrupcy is in mind to erasing this through XXXX XXXX bankruptcy and starting again.
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.
11/11/2022
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
TX
78717
Web
Thank you for your response to my XX/XX/XXXX complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX that was submitted through the portal. After careful review of your response to my complaint, I am still denying all allegations by you.
In your letter, you stated that An investigation of this matter indicates you became the servicer of account ending in XXXX on behalf of purchaser XXXX XXXX, XXXX ( XXXX XXXX ) on XXXX XXXX, however the letter that you attached to your response in the portal with the CFPB states that the account was purchased on XX/XX/XXXX. This letter has a date in the top right hand corner of XX/XX/XXXX. I never received any correspondence from Commenity Bank ending in XXXX regarding this matter. You contend that the account originated on XX/XX/XXXX, however the statements provided begin with XX/XX/XXXX. You claim to have purchased the account on XX/XX/XXXX, but your response, includes a statement for XX/XX/XXXX from Commenity Bank regarding this account.
In your next contention, you stated you became the servicer of the account ending XXXX on XX/XX/XXXX, however the letter that you attached from Commenity Bank ending in XXXX that as of XX/XX/XXXX you were the new owner of the account. The date this letter was sent is displayed in the top corner as XX/XX/XXXX, however your attachments included a statement from XX/XX/XXXX.
For account ending in XXXX you state you became the account servicer on XX/XX/XXXX, and this information originated from Commenity Bank with account ending XXXX. According to the letter from Commenity Bank that you attached to your response, as of XX/XX/XXXX, you were the new owner of the account. This letter has a date of XX/XX/XXXX. You claim the account originated in on XX/XX/XXXX, however the statements only go back to XX/XX/XXXX. You attached a Trial Judgment to your response however, this judgment was never served on me. Also, your judgment does not indicate which account this is for. I pulled the case history from the XXXX XXXX XXXX XXXX, and there was never any service of this XXXX. I also noticed that there was a hearing listed on XX/XX/XXXX, but there is no Notice of Hearing filed for this date. How can someone appear for a case if they were never placed on notice? An Application to the court for an order and notice of any hearing thereon, not presented during a hearing or trial, must be served upon all other parties not less than XXXX days before the time specified for the hearing, unless otherwise unless provided by these rules or shortened by the court XXXX. XXXX XXXX. XXXX XXXX. I also have not received any copies of any of the pleadings that were filed in this case. Nothing was mailed to me or served on me by the XXXX or your counsel. If it was, then please provide the certified mail return receipt.
You state that the service numbers have changed, and you have record of all of this, however, record was never submitted to me, nor was any original account information which I repeatedly asked for.
You purchased account number XXXX provided by Commenity Bank ending XXXX and state the account originated on XX/XX/XXXX. As stated previously, you have yet to provide any original account information, which I have once again repeatedly asked for. You claim to have purchased this account on XX/XX/XXXX, however the letter you attached shows you became the owner of this account on XX/XX/XXXX. The date of this letter is for XX/XX/XXXX. The letter shows XXXX different balances. Once again, the statements have issues as well.
A copy of this letter and corresponding evidence has been submitted to the CFPB and the Texas Attorney Generals office.
I encourage you to remove all accounts at once or face legal action against you. You have not provided accurate information and your evidence along with the letter you submitted to the CFPB shows this. I will move to have the Judgment thrown out due to a violation of due process. A copy of this letter will be sent Certified Mail Return Request Receipt to the address on the attached letter that you submitted.
The statute of limitations has also run out on all negatively reporting commenity bank accounts on my report so I ask that these be removed as well.
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?
02/09/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
NC
27107
Web
REGARDING ACCOUNT- ( XXXX COMENITY BANK ) XXXX XXXX According to the Fair Credit Reporting Act my Rights Have been Violated and continue to be Violated Pursuant to 15 U.S.C. 1681 ( i ) ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
This Dispute is going on Four months old without resolution and is causing me mental and financial stress. The Law states that these companies 's procedures have to be reasonable, impartial, and fair to preserve the rights of ME!!! The Consumer. On XX/XX/XXXX my notice of dispute was received by an agent of COMENITY BANK Named XXXX XXXX and signed with a return receipt request # XXXX. After 60 Days of no response or acknowledgement from COMENITY BANK I submitted my dispute through the CFPB portal Complaint # XXXX on XX/XX/XXXX which was sent to COMENITY BANK And on XX/XX/XXXX the company responded that it needs more time which violates my rights as a CONSUMER and violates Federal Law. As of today XX/XX/XXXX its been 113 days since i sent my Lawful request for validation of this account that is also violating my rights to privacy in accordance to 15 U.S.C. 1681 section 602a and 604a section 2 because i never gave written permission to furnish this account furthermore i obtained a recent copy of my consumer report and COMENITY BANK Failed to mark my account as currently in dispute with experian which is another violation of my rights. I am enclosing my updated consumer report showing where the account is not notated as currently in dispute also says my information was sold to another creditor which i just found out upon checking my report so that means my information was sold unbeknownst to me and without my permission. I am also including again the return receipt signed for by XXXX XXXX an AGENT of COMENITY BANK on XX/XX/XXXX This is of the most important and urgent matter because of the affect it is having on my life and ability to move forward. The statue of limitations on the time allowed for Comenity Bank to complete the investigation into my dispute has very well exceeded the threshold and they are in VIOLATION of the FCRA and FDCPA with the assistance of XXXX.
06/22/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
MO
63501
Web
This is the second time I have HAD to submit this claim due to this company continuing to play games. They are claiming that they did not have permission to speak with you regarding this issue even though I sent you to speak with them. They have continued to charge my account late fees and interest on top of 18 months of interest during this entire process. They are reporting ALL of this to the credit burros and negatively affecting my credit rating. My wife has already paid the {$3.00} that THEIR EMPLOYEE advised one week prior to us paying our account off was NOT DUE to have a XXXX balance on our account. I want the company to credit my account for ALL fees AND INTEREST that they have charged us due to their error and NOT ours since we consulted with them a week prior to us paying off our account. Please see the following for the full explanation of what happened.
I purchased a set of XXXX XXXX through the XXXX on a 18 month deferred interest promotion. We made a payment of {$400.00} on the XXXX of XXXX, and then Comenity Bank took another {$400.00} UNAUTHORIZED payment out of our account on the XXXX of XXXX. When we realized what had happened we called them and agreed that they would use that second {$400.00} payment as our XXXX payment. When we received our XXXX bill we noticed that they had charged us a late fee and penalty charges. When I called on approximately the XXXX of XXXX I spoke to several representatives before I was finally transferred to a supervisor named XXXX out of Ohio. ( this is where he told me he was located ) I questioned him why they were only returning {$1.00} for each of the 2/ {$2.00} late fees they were crediting back. He informed me that the late fees had been refunded and the penalty fees had been removed and the balance on my account was {$360.00}, and by paying this amount the account would be paid in full. He then informed me that being on a Friday that I should give it till the following Wednesday for the charges to successfully be removed off the account. On XX/XX/XXXX we accessed our account online and it showed our balance was {$360.00} so we paid off our balance as it showed. Then in XXXX we received a bill saying that we did not fulfill our obligation by {$3.00} ( which miraculously is also the amount if you add {$1.00} and {$1.00} together, AND is also the amount they moved from promotional to revolving status, so they charged us 18 months worth of interest. ) I called and spoke to another supervisor about the entire situation and she informed me that there were detailed notes on our notes left by XXXX. She also said that she didn't see why the {$3.00} was moved outside the promotional plan, and that our dispute should be taken care of and reversed, as the notes were so detailed. She then proceeded to escalate our case to the dispute office. We received a letter dated ( Saturday ) XX/XX/XXXX letting us know that they had received our dispute and they would research it. The second letter was dated ( Saturday ) XX/XX/XXXX stating VERY vaguely that they were NOT going to do anything for us as there was information on every months bill explaining what would happen if we did not pay off our bill on time. At the bottom of this letter it states that if we do not agree with the decision that we can call the customer care team and provide additional information. When we called numerous times we were informed that there was nothing that they could do as the case was already disputed and closed. We have asked for the recordings of the conversations that we had with people to be sent to the dispute office and to have a copy sent to us as well. We were informed on XX/XX/XXXX that somehow NONE of our calls had been recorded and when asked if the call we were on just then was being recorded they said no, even though when you call in the very first thing that is said is " Calls are recorded for training and quality assurance '' but yet somehow NONE of our calls have been recorded, and no one will send us the notes on our account as this is our only proof of the conversations that we had with these supervisors. No one thinks that they need to record phone calls for things like this.
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.
12/30/2022
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
MI
483XX
Web
To whom this may concern, My name is XXXX XXXX and I am responding to XXXX/Comenitys request : to put in writing the incident on XX/XX/XXXX of the unauthorized {$75.00} deduction from my personal financial institution in order to start an investigation.
I am also requesting to resolve the account ending in XXXX with a XXXX balance.
This request is being made due to the fact that I can't trust XXXX/comenity with my financial information as I have in the past, they have illegally billed me for negative options with no explanation.
And reporting the closing of my account during a Covid pandemic ( I ask for emergency Covid assistance, and they close my account? ).
My account ending in XXXX was previously set up for automatic payments to be deducted on the XXXX of every month in the amount of {$74.00}. On XX/XX/XXXX XXXX/Comenity requested an additional {$75.00} from my account on top of the original payment of {$74.00}. XX/XX/XXXX disputed the {$75.00} and XXXX/Comenity received the agreed upon {$74.00}.
Because I didn't agree to pay an additional {$75.00}, they decided to stop my auto pay XX/XX/XXXX.
If XXXX/Comenity hadnt stopped my auto payments due to their unauthorized deduction I would not be behind on my payments, I never have been in the past outside of my Covid request.
XX/XX/XXXX XXXX/Comenity Requested an unauthorized {$75.00} payment.
XX/XX/XXXX XXXX/Comenity Received additional {$75.00} from my financial institution. They also received {$74.00} ( original agreement ) from the same financial institution. I only disputed the unauthorized {$75.00}, XXXX/Comenity received the agreed {$74.00}.
XX/XX/XXXX Received letter stopping automatic payments dated XX/XX/XXXX.
XX/XX/XXXX Contacted XXXX/Comenity in regard to the letter. I didnt understand why they would stop payments when I made the payment agreed upon XX/XX/XXXX?
I also asked why an additional {$75.00} was taken out of my account unauthorized? I got no explanation, only to be escalated to a manager. I still didnt get an explanation or resolution from speaking to the manager.
I then asked the manager to resolve the account to XXXX balance and send a letter in regard to this illegal activity, and to note the account.
I was then put on hold so the manager could go over the information with her boss. I was on hold for about 10-15 min. and the only conclusion they came up with was SORRY and noted the account. There wasn't any further investigation or escalation as if they didnt care about my personal information.
XX/XX/XXXX Received threatening letter to collect payment. Continued to look for help/answers on why this happened and what to do?
XX/XX/XXXX Tried to resolve and get answers once again by contacting XXXX/Comenity. Spoke with XXXX ( she was very helpful, nice, compassionate, and straight to the point ). She finally escalated this incident to be investigated, Im thankful for her taking the time to listen.
Meanwhile Im stuck in the wind/lingo/process not knowing how to proceed. Incurring late fees, interest, and bad credit reporting due to this illegal process. I have been educated to contact the FTC ; I will be forwarding this information to them also.
POOR COVID ASSISTANCE XX/XX/XXXX Contacted XXXX/comenity to ask for Emergency Covid assistance and they closed my account, not allowing me to show good faith ( I continued to make every payment agreed to, until this recent incident ). This action caused devastation to my credit score, making my financial hardship more difficult.
The closing of this account in XXXX is still affecting my credit to this day. This also prevented me from doing business with any other lending company.
( I asked for help, and they set me up for failure ). Many of these companies received recovery funds from the government, has anyone investigated the disbursements of these funds? Someone needs to look into this because these companies did nothing but took advantage of Americans that were already in a vulnerable state. And now they are allowed to charge us a higher interest rate because they've closed your account damaging your credibility? This is unfair!
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
452XX
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
287XX
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
334XX
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.
09/13/2023
Yes
Credit 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
63139
Web
I am filing this complaint against Comenity Bank.
For context, on XX/XX/XXXX, I received a phone solicitation from a travel company ( called XXXX XXXX ) for a vacation package costing {$490.00}. I agreed to purchase it after the company told me I would have XXXX days to review and would receive a full refund if asked. The credit card I used for this purchase was a " XXXX XXXX XXXX '' which at the time was issued by XXXX XXXX XXXX. I've documented my interactions with the travel company in the attached file. In short, I asked XXXX Worldwide for a refund which I was entitled to but they did not grant. I then opened a dispute with XXXX XXXX XXXX, who shortly thereafter told me they had transferred the dispute along with the entire account to Comenity Bank. The card is still active now under Comenity.
Comenity 's response to this dispute has been reprehensible. XXXX, they were clearly unable to abide by their own guidelines in terms of responding to the dispute. They said they would have XXXX days, but initially appeared to have lost the dispute or closed it out somehow before that period. Over the next 6 months I had to attempt to reopen the dispute multiple times. I asked for updates repeatedly using their website 's message center and by calling their customer care line numerous times.
XXXX, in all of those interactions, they clearly instructed me NOT TO PAY the dispute transaction amount. I paid for the rest of my statement balance every month. As interest on the disputed transaction started to build, I repeatedly asked if somehow the disputed transaction could be set aside or put into provisional status so that the interest would not accumulate while they were taking their time investigating the dispute. They repeatedly told me that it would " be fine '' and just to keep paying the statement balance as I had been doing. When the dispute was processed the interest would go away with it.
XXXX, on XX/XX/XXXX ( in a letter dated XX/XX/XXXX ), fully XXXX months after I initially filed my dispute with XXXX XXXX XXXX, Comenity notified me that my dispute had been denied due to a technicality in the XXXX Worldwide 's terms and conditions. I strenuously disagree with this finding as I had in fact followed XXXX Worldwide 's verbal instructions and they sent their terms and conditions XXXX days later than my purchase date. There was additional context which makes me believe XXXX XXXX was essentially tricking customers into paying the fee upfront. This complaint, however, is against Comenity as they NEVER once contacted me to discuss the situation. They made a simple judgment that was incorrect with no explanation for why my dispute rationale was incorrect. I tried repeatedly to reach some in the Dispute Department to discuss the situation, but was finally told after talking to many customer care supervisors that there's no way anyone ( even Comenity employees ) can contact the Dispute Department and that their decision is final. An " investigation '' that does not involve questioning the parties involved is not an investigation. Comenity 's process in this area needs to be fixed.
XXXX, beyond the disputed transaction itself, I spoke with Comenity customer care about the interest charges. Again, I had only accumulated interest charges because of Comenity 's own REPEATED instructions to me not to pay the dispute or the interest. After the dispute was denied, I was told to by customer care that I should " probably '' just pay the full balance of the dispute with the interest. I should then file another dispute specifically around the interest. I did so, and this time it was rather quickly denied in letter dated XX/XX/XXXX, because " we are beyond the 60-day timeframe '' of the original dispute. This is the definition of unfair and unjust treatment of a customer. Of course we are beyond the 60-day timeframe because of Comenity 's own flawed process and instructions to me.
I have tried to speak with Comenity about the insanity of this statement, but to no avail. As such, I am opening the complaint hoping to inspire regulatory action.
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!
10/13/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OK
74112
Web
My complaint is filed against Comenity Bank, which is a part of Bread Financial, for failing to complete requests over the phone and reporting false late payments.
In XXXX of XXXX, I got approved for a XXXX Credit Card. Throughout the next 6 months I used it and paid it off every month. In XXXX of XXXX, I had a balance of {$160.00} that I paid off over the phone with a representative. In XXXX of XXXX, I received a notification from XXXX XXXX that my credit score has dropped due to a late or missed payment which I was sure to be a mistake. I logged on to find it was my XXXX XXXX. I navigated to the Comenity Bank website and attempted to view my statements, but that part of the website wasnt ( and still isnt ) working. I was able to scroll back in my junk emails from them and find a notification displaying my statement from XX/XX/XXXX for {$2.00}. Up until this point I had never familiarized myself with residual interest, which is what a phone representative informed me this {$2.00} charge was. Since that was back in XXXX and it is now XXXX, that {$2.00} had accrued almost {$40.00} in late fees. I explained everything to the representative, and she told me she couldnt do anything because their systems were down and to call back Monday to get the late fees waived. On Monday, I called back and they were able to waive {$18.00} in late fees if I paid the remaining {$21.00}. I confirmed it would be paid off and asked the rep to close the account. She sounded upset and agreed.
On XX/XX/XXXX, I received a letter in the mail disclosing that my account had been closed but there was an {$18.00} balance remaining, and to call and pay it. I called XX/XX/XXXX and the gentleman informed me that there is a {$77.00} balance on the account due to late fees that accrued from an unpaid balance. I asked him about my most recent payment, and he said it did not go through. At this point in time, I am unable to access any statements whatsoever because their website had been down for ( seemingly ) months. The representative told me he could waive fees to reduce the remaining amount to on my account to {$20.00}. Wrongly assuming this would be the end of my association with this company, I paid the {$20.00} and confirmed at least twice with him that the balance was completely taken care of.
On XX/XX/XXXX I received a text from Comenity Bank notifying me of my XXXX balance. I called yet again and spoke to a woman who seemed to be empathetic toward my situation. After she put me on hold to take care of the balance, she came back on the line to tell me that she was sorry and I wouldnt have to worry about it again ; the balance was removed and my account is closed.
On XX/XX/XXXX, due to the amount of distrust I now have with this bank, I called again and went through the automated system to reveal a balance of {$77.00} I am finally able to access their website and have attached screenshots of the payment history as well as my balance. There also seems to be a grayed out balance of {$97.00}, but I am not sure why its unavailable and {$20.00} higher than my current balance.
I filed disputes with all three credit bureaus, which only resulted in the closure of the account, not the rectification of the balance or late or missing payment reports.
In my research, I have found through consumer complaints to the XXXX XXXX XXXX as well as internet forums that many others have struggled with Comenity Bank in a similar manner. In XX/XX/XXXX, Comenity Bank paid {$8.00} XXXX to settle a Telephone Consumer Protection Act ( TCPA ) class action. In XX/XX/XXXX, the XXXX XXXX XXXX XXXX announced that it had ordered Comenity to pay nearly {$64.00} XXXX in civil money penalties and restitution for alleged deceptive advertising and marketing of credit card add-ons, in violation of Section 5 of the Federal Trade Commission Act. As of XXXX, there are two other pending lawsuits I can find with claims regarding the inoperability of their website and phone system. I am reaching out because I am unable to get through to this company. It is clear they have a history of dishonesty.
08/09/2022
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
CA
91387
Web
i have spent over 10-12 hours over the last 4 months dealing with comenity bank trying to get them to correct their billing on my promotional purchases that were suppose to be at zero percent interest for all purchases made between XX/XX/XXXX and XX/XX/XXXX. However, their agents on the phone say I was on a promotion from XX/XX/XXXX through XX/XX/XXXX which is wrong as i have already provided them with the documents printed out from their own online account portal showing the offer that I accepted and was enrolled in was for all purchases made during the XX/XX/XXXX thru XX/XX/XXXX promotional purchase period. I took the printouts out on XX/XX/XXXX and on XX/XX/XXXX with the date and timestamps and the online banking URL listed in the headers and footers for reference, which I uploaded to the comenity secure messaging portal to submit the original dispute that I was advised by a supervisor over. I am uploading a coupe of those screenshots or printouts below. Every month I have called them and spent a minimum of 1.5 or 2 hours on the phone with their phone representatives and their supervisors only to have to explain the situation and the error they made all over again and they started a dispute process back in XXXX and in XXXX they said they resolved it but they did not resolve it. They adjusted some promotional plan balance and then reversed it out. Then they have been charging me interest every month on a higher standard purchases balance than what I should have had since they were calculating extra interest on a {$1500.00} purchase charge that was made on XX/XX/XXXX which was the day this promotional plan of zero percent interest was suppose to be in effect. I have XXXX, XXXX XXXX, and XXXX and even submitting this complain online is very painful to type. and they have had me send messages in their online secure messaging portal explaining my issue several times. I told them even today that they already have everything from before that the agent even acknowledged she could see my messages and screenshots i'm the portal over the last 4 months or so but wasn't sure why the dispute team could't properly resolve this. So they wanted to me explain in detail via their online messaging portal what the issue was again and re-upload the documents that she just told me she could see the uploaded attachments already. I am a mortgage broker and have dealt with many other clients doing their loans and I have seen over the years many consumers have billing issues or other issues with Comenity bank which offers many store branded credit and charge cards. My account with them is a XXXX XXXX XXXX XXXX Credit Card. I have had it since XXXX of XXXX. I would encourage the CFBP to launch a class action case against this creditor/bank. I told the agent on the phone today from Comenity bank that I would be filing a complaint with the CFBP since they are giving me the run around and making me resubmit the dispute online again instead of just resubmitting the previous one with all the same documents. I went ahead and followed their instructions but at this point I have wasted at least 10 or 12 ours on the phone with them. 2.5 hours were just from today 's call where I had to explain the situation 3 times. The first rep for an hour and then she said she see 's everything that I uploaded and added the changes and balances up and agreed with me that they or their billing team has clearly made a mistake, but she could only send them a message since the dispute department isn't available on phone they can only message them. Then I said that doesn't help me and I wanted this escalated so she said she would let her supervisor know and I got transferred to the supervisor and spent another hour on the phone with her.. She didn't have all the info from the previous rep, just a basic summary. So after more than an hour she then also transferred me to another supervisor and I spent another 30+ minutes with her before we ended the call and I said you guys are pawning me off on other reps and we are going in circles and that I was now filing a complaint with the CFPB.
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.
05/16/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
CA
92124
Web
Servicemember
XX/XX/XXXX LETTER OF INTENT Re : Comenity Bank COMENITY bank is a waste!
I opted to obtain a credit account with my favorite clothes retailer, which unfortunately is affiliated with Comenity Bank.
I started my account in XX/XX/XXXX in order to purchase badly needed clothing. You see, We are a Military family that just flew back in to the states after living XXXX for three years. We are making a permanent move back home. I needed the clothes because we are living out of our suit cases. In addition we were still waiting for our reimbursement from the military for our move. We still are. It was just a couple of XXXX XXXX so I did it. I need jeans shirts and under garmets. I said I would make payments until I received my tax refund and paid the balance in full, which is precisely what I did.
Fast forward.
Why was my credit card not sent to me? I have never received a credit card, account number, or bank statement in the mail. To this day no huge deal, correct? Am I not a responsible adult? I am aware that payment can be made by phone call. The situation is really uncomfortable, but so what? I value keeping an excellent credit score ; therefore, I go the extra mile and jump through hoops for this organization.
I have a business meeting in XXXX that requires formal clothes. Thus, I visit my preferred store that is associated with the credit card in question. Again, no problem ; I have a store credit card. Since I don't have my card yet, I suspect there may be an issue, but I'll find out anyhow. I know a lot of times you can use your credit in store with out the card. You just need to provide photo ID and answer all my billing information correctly.
The store manager tells me that my lack of a credit card will not be a problem. So, she seeks to investigate me, but her efforts are unsuccessful. ( I established this account in XXXX! ) Therefore, I contact Comenity bank and describe the issue. A representation indicates that everything is fine. She provided a new card after determining that everything was in order. Said that most likely, it will arrive within 10 business days. XX/XX/XXXX finally arrives. Still no cards or bank statements. When we get our tax returns, I call the dreaded credit card phone number. Enter my information and pick full payment in the amount of XXXX. I'm purposefully looking to pay for the full balance. I hit submit.
I pay off my credit card. Sweet triumph.
A week later, I got a letter from Comenity bank. I think it's the card, but instead it's a letter advising me that they are unable to issue me with a card and, as a result, my account will be closed. They expressed thanks for my patronage. After being such a loyal customer. HUGE SLAP IN THE FACE, if you ask me, but oh well, it is what it is, and I'm glad I paid up my account and our relationship is over. Or so I believed!
Today, XX/XX/XXXX I get a call and they informed me that I'm still owing XXXX cents.
EXCUSE ME?! How?! Where?! Why?! After what you all did to me. Add insult to injury.
These individuals are setting up their consumers for failure. Ill take my business and hard-earned money elsewhere.
As a paying customer with the right to see any paperwork, I feel there are also illegal acts happening here. 99.9 percent of my documentation has not been provided. As a result, I lack access to my account online or to statements that offer a visual representation of what I owe in order to make the appropriate payments.
Now they regularly contact/harass and message me about the issues the company has created.
I called XXXX XXXX and spoke with a number of personnel. When I sought to speak with a supervisor along with the department of fraud, I was instructed the supervisor line was busy and to call back later.
Is there anybody who can help me hold this company accountable for their actions? Any information would be much appreciated. Maybe a lawyer? There may be many others like me, and this company 's shoddy business practices are producing millions of dollars. These individuals are destroying my credit. This is not correct!
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.
06/01/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
GA
30033
Web
Background/Context : In XX/XX/XXXX, I opened a credit card through online retail company, Wayfair. At the time, Wayfair partnered with Comenity Bank for their credit cards.
In XX/XX/XXXX, even with a balance left to be paid, Comenity Bank closed my account. Later on I learned this was because Wayfair discontinued their relationship with Comenity Bank for their credit card accounts.
Since XX/XX/XXXX, I tried to pay down my balance more aggressively by paying more than the minimum required.
In my XX/XX/XXXX statement, the new balance was {$1700.00}. Payment was due on XX/XX/XXXX.
o On XX/XX/XXXX, I scheduled a payment for {$200.00}, leaving a balance of {$1500.00} before the statement period due date.
o On XX/XX/XXXX ( the date due ; and within the statement period ), using Comenitys own electronic payment scheduling system, I scheduled another payment of {$1500.00}. I wanted to be done with this Comenity account once and for all, so I decided to forego life essentials and other payments for XXXX in order to make that very substantial {$1500.00} payment ; but I did so believing this {$1500.00} payment would finally close out my account and end things with Comenity. In fact, after I made that payment, in excitement, I kept checking my balance on Comenity and each time it said XXXX. That is exactly what it should be. XXXX balance.
I receive a XX/XX/XXXX statement. I opened it expecting it to verify that Ive paid off my account. However, it says I owe {$31.00}, due on XX/XX/XXXX. The statement says this {$31.00} is for charged interest. There should be no interest charged when I paid off the remaining balance of what was owed on XX/XX/XXXX ( the date due for the last statement cycle ). In other words, no balance was carried over into the statement cycle.
Issue : I effectively paid off my account balance in full on XX/XX/XXXX when I made that final payment of {$1500.00}.
Given Comenitys latest statement, the XX/XX/XXXX statement, incorrectly claiming that I owe {$31.00} in interest, I emailed Comenity on XX/XX/XXXX and called them on XX/XX/XXXX, requesting/pleading with them to remove the {$31.00} charge because it was inaccurately placed on my account.
o XXXX XX/XX/XXXX, I had to speak with two Comenity representatives. The first one was rude and failed to demonstrate a semblance of customer service or willingness to help. The second representative, a XXXX XXXX ( XXXX # XXXX ), explained that although my account was closed in XX/XX/XXXX but at some point in XXXX ( unknown exactly when ), Comenity Bank changed its terms and conditions of their credit card agreements. How or why these changes applied to my account when it was already closed ( they closed it in XX/XX/XXXX ) is my first issue.
o XXXX XXXX further explained that these changes Comenity Bank made in XXXX somehow created a residual interest system. He tried to explain to me what that meant but it sounded like theyve instilled a practice to deceive and hide the interest from consumers like me. Again, there was no balance left when I paid off my account on XX/XX/XXXX with my {$1500.00} payment. There was nothing to charge interest on and yet, this {$31.00} interest charge shows up on the XXXX statement. With this residual interest floating after unclear timelines, theyve instilled a practice thats deceptive, inaccurate, and unacceptable. XXXX XXXX even subtlety inferred that many, even within Comenity, have issues with this residual interest practice.
o I asked XXXX XXXX to remove the {$31.00} from my account but he refused because it is interest. He said if it were a fee, he could help but since it is interest, he cant remove it.
My issue is twofold : Comenity is inaccurately charging me interest and I refuse to pay it and I respectfully ask for CFPB to intervene/investigate and assist ; and I also want it noted that the changes Comenity put in place in XXXX by implementing a residual interest plan shouldnt have ever even applied to an account that they themselves closed in XX/XX/XXXX.
Please advise. What should I do?
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
802XX
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
XXXXX
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.
02/07/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
AL
35022
Web
I've been a member of XXXX for decades and have had a XXXX credit card for decades. In XXXX, XXXX, XXXX changed to Comenity Capital Bank to issue and service their credit cards. I did trust XXXX so I made the move.The first bill came, due XX/XX/XXXX, and I immediately paid my bill through XXXX online, receipt by XX/XX/XXXX. The next bill comes, with late fees of {$25.00} and interest of {$40.00} added. I check my account and see the check cleared XX/XX/XXXX. I spend time to call XXXX and they agree to take the fees off, say the transition has caused the problem. I pay that bill, due XX/XX/XXXX, receipt by XX/XX/XXXX. The next bill comes, {$25.00} late fee charged, {$4000.00} interest charged. I check my account, check cleared XX/XX/XXXX. I again spend my time calling Comenity to complain and have the late fee and interest credited back. Again it's blamed on the transition. I pay that bill due XX/XX/XXXX receipt by XX/XX/XXXX. Next bill comes, late fee {$25.00} charged, interest {$40.00}. I call again to have the fees credited back. They credit back the late fee but not interest. The Comenity employees tell me it's taking weeks ( one said 3weeks for checks to be processed ). I complain if it's taking that long, why are they charging fees automatically? I was told it was the system. This check, receipt to be XX/XX/XXXX never got cashed. At XXXX, a stop payment was issued and I did pay Comenity over the phone with my debit card. I was told the {$28.00} late fee would be taken off but not the {$44.00} interest. To further complicate matters, on this bill, two fraudulent charges from XXXX XXXX XX/XX/XXXX for {$1500.00} and {$300.00} showed up. I called immediately to dispute the charge and was told the investigation would take 7-10 days for a resolution. Three weeks later I called ; finally asked for fraud department after messing around with someone who didn't have a clue. The man in fraud said it had been done incorrectly, we would have to start over and it would take as long as 90 days to investigate. In the meantime, he would credit my account and issue new cards but the charges would be reinstated if fraud wasn't found. This man did seem to know what he was talking about and gave me some hope it would be done correctly.
In the meantime, I finally sit down at the computer and check the Better Business Bureau. Imagine my surprise when I see thousands of complaints just like mine : great lengths of time cashing checks, late fees, interest charged, fraudulent charges. I can not believe XXXX would be involved in a scheme like this.
I finally receive a letter saying the XXXX charges were proven fraudulent and I would not be responsible for them, and any related finance charges or late fees would be corrected.
Then I receive a letter and check from Comenty saying they " recently received a check marked with " paid in full '' or similar language and/or letter indicating the check is intended as full payment of a debt on your account. Unfortunately, we are unable to accept the check because the amount of the check does not match the full balance owed or agreed upon for your account in our records. '' It appears to be the check issued by XXXX that we put a stop payment on and ended up paying over the phone with Comenity by debit card because they never cashed the XXXX check. There is nothing on this check indicating paid in full or any such language nor was there a letter. I dont have a clue what that was about. It does prove ; however, that they did get the check after all.
So I called today, XX/XX/XXXX, only to find out the {$44.00} interest had not been credited back and had to ask for a supervisor to get that credited back. I also found the my last {$930.00} payment check which XXXX as being cashed on XX/XX/XXXX had not been credited to my account. The supervisor is checking into it.
This has been a nightmare and has wasted hours of my time trying to fix it. Please look into Comenity and their practices. This just shouldnt be happening in the USA.
12/19/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
NY
132XX
Web
Servicemember
Around the beginning of XXXX I began receiving autodialer calls from comenity bank XXXX, several times a day so I would answer and the representative would explain it was the autodialer and it was wrong that I have a XXXX balance. Eventually after the calls became harassing I spoke with several associates and a supervisor and was assured the autodialer saw a past due balance back in XX/XX/2022 of {$1.00} ( That I never charged or owe at all ) and that it was removed along with the late fees added and I had a XXXX balance. The supervisor assured me I would not get any more calls and that my balance was XXXX. Again, I received another call in which I was assured by a supervisor that my account would be notated they spoke with collections and that I have a XXXX balance and that the calls would stop ( and they did thereafter ). This morning I called XXXX XXXX XXXX because my XXXX XXXX went down astronomically ( and I work super hard to keep a good XXXX XXXX, in fact it was exceptional up until the error on XXXX XXXX bank 's account. I called XXXX XXXX XXXX and they assured it was just reported today- I called and spoke with a supervisor from XXXX XXXX XXXX XXXX XXXX in NM ) and she assured me that I have had a XXXX balance and that the account was fixed several months ago and that it was an error on their behalf but unfortunately their " autodialer '' was just turned back on this morning so it reported the old inaccurate information to my credit report. Now the issue at hand is I verified as of this morning and as for the past few months my account has shown XXXX and also the initial past due balance was an error on their behalf but the XXXX XXXX explained to me there isnt anything she can do because their systems show as of this morning at XXXX their capability to report to credit reporting agencies was just turned back on and although as of this morning I had no balance and no monies due it picked up the account from over XXXX months ago and reported that I owed money over XXXX days past due this XXXX. Although she can see notes of when I have called several times, showing the account balance is XXXX and very well has been for months that their autodialer was turned back on for reporting at XXXX so it picked up the old information they had on file and have been wanting to report before it was turned off or XXXX. While this makes no sense XXXX XXXX is advising not to worry about it because they show I do not owe them any money and they have their own credit reporting and collections so it will remain in house. NO NO NO, this is unacceptable, UNPROFESSIONAL, inappropriate and down right WRONG! They are ruining my credit, made my score drop dramatically ( you can verify this with XXXX XXXX XXXX and XXXX ) because of some autodialer that was turned back on this morning and showing wrong and inaccurate information. How can they get away with not updating their systems? How can they get away with reporting erronious information and say there isnt anything they can do to fix their mistake or take accountability for ruining my credit I work very hard to maintain. This is unfair and cruel punishment when I have done nothing wrong, I am being unfairly treated by XXXX XXXX and comenity bank. I can not cancel the credit card because it would ruin my credit so I have to keep a card I have no intentions on using because I am absolutely done with this company. I am requesting the immediate removal of the report sent to XXXX XXXX XXXX because it is inaccurate. I very clearly do not owe them any money and they reported me to the XXXX XXXX as owing money when it was initially their mistake back in XXXX & on top of that it was fixed and my balance has been XXXX for months ( actually have a credit on my account ) yet it was reported to the credit reporting agencies ( I am sure more then XXXX ) that I owe them money today XX/XX/2022. This is wrong and I want it rectified by XXXX XXXX and I want my XXXX XXXX not to be negatively affected by their error- its wrong and unfair.
08/29/2022
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
015XX
Web
Hello, It started in XXXX of 2022 when I was on my XXXX XXXX where I noticed I had 4 late payments on a Torrid account that I thought had been paid off already ( I attached the late payments that are indicated on my account to this complaint ). When I checked my torrid onlline account, it said my balance was XXXX and that it had already been paid off. Now I have 7 missed payments on my credit report. Mind you I have had no way to pay because my account stated that I had paid of my credit card already. I attached the summary to this complaint as well.
I also attached this thread to this email. Here is the threadd : On XX/XX/2022 at XXXX XXXX I messaged the Torrid team via the website the following : From : You Sent : Friday, XX/XX/2022, XXXX XXXX ( ET ) To : Comenity Bank Subject : Payments Message ID : XXXX Hello, So on my credit report, it shows that I owe XXXX dollars on my Torrid credit card, but as you can see on my account here it says I owe XXXX dollars. On the report it says that I have 4 late payment!! I've had no where to pay these payments!! And I can't do it via here because it's showing I owe XXXX!!
They responded : From : Comenity Bank Sent : Wednesday, XX/XX/2022, XXXX XXXX ( ET ) To : You Subject : Re : Payments Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs.
We apologize for any inconvenience this may have caused.
It's great you want to use your card again I understand your concern.
We recently received notice from at least one of the credit bureaus that your credit report has changed. For this reason, your account was closed.
I'm sure you have more questions especially about the information in your credit bureau report. For this, I would suggest you contact one of the credit bureaus directly.
XXXX : - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX We do encourage you to consider reapplying for a new account in the future and apologize for any inconvenience this may have caused.
Upon checking in to your account I can see that there is no late payment history on your Torrid account from last 24 months.
It's clear you care about your credit history, and I appreciate that. We consistently send updates to credit bureaus on the status of your account. We do not report your account as delinquent to the credit bureaus when one payment has been missed.
Thank you for your loyalty, and have a nice day.
If you have any questions, please click the reply button.
Sincerely, XXXX XXXX XXXX XXXX Team Which then I responded with proof that my credit had been affected and I had multiple missed payments and attached the photos of the late payments from my report : rom : You Sent : Wednesday, XX/XX/2022, XXXX XXXX ( ET ) To : Comenity Bank XXXX : Re : Payments Message ID : XXXX Attachments : XXXX XXXX XXXX I have it attached here that yes indeed I do have an account with torrid that is opened and my report states that I have missed payments for past several months please take this off my credit report and advise. This is negatively affecting my score Which they then responded : From : Comenity Bank Sent : Monday, XX/XX/2022, XXXX XXXX ( ET ) To : You Subject : Re : Payments Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs.
Your current balance is {$0.00}.
We appreciate your business- and we appreciate hearing from you. If you have any other account concerns, we're always happy to help.
Thank you for taking the time to reach out, and have a great day.
If you have any questions, please click the reply button.
Sincerely, XXXX XXXX XXXX XXXX XXXX They said I owe XXXX dollars to them, yet on my credit report it says I do, and even if I wanted to pay the bill that according to my credit report exists, on the Torrid account it says that I owe XXXX dollars. Please help me i doj n't know what else to do and my score has gone down XXXX points since this has transpired.
12/05/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Incorrect information on your report
Information is missing that should be on the report
GA
30093
Web
I opened a Bread XXXX XXXX with Bread Financial ( Comenity Bank ) in XXXX. This institution has not reported my card to any credit bureau ( XXXX, XXXX or XXXX ).
I have made multiple attempts to request that my credit card get reported. I attempted phone calls and messaging their CSR department on their website. The response is the same : " We are having technical difficulties ''.
I have waited 5 months, but the problem remains unresolved. Here are the messages : From : Comenity Bank Sent : XXXX, XX/XX/2022, XXXX XXXX ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I am with Bread Cashback ( tm ) XXXX XXXX ( r ) which handles your XXXX credit card account. I'm here to help with your account needs.
We recognize that you've recently made a payment, but it is not reported to the credit bureaus. I understand how this can be frustrating for you.
Because of a recent system update, we are not reporting account updates to credit bureaus while our processes get aligned for accuracy. We have our customers ' best interest in mind, and will soon resume our standard practice of providing updated account information to the consumer reporting agencies with each account billing.
On behalf of the bank, I apologize for the inconvenience.
If you have any questions, please click the reply button.
Sincerely, XXXX XXXX XXXX XXXX XXXX Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Why is this card still not appearing on any of my credit bureau reports?
From : You Sent : XXXX, XX/XX/2022, XXXX AM ( ET ) To : Comenity Bank Subject : Re : Credit Bureau Reporting Message ID : XXXX Why is this card still not appearing on any of my credit bureau reports?
From : Comenity Bank Sent : XXXX, XX/XX/2022, XXXX XXXX ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX We have received your information and the request has been forwarded to the correct department.
If additional information is needed, you will be contacted in the Secure Message Center.
Thank you for your patience while the request is being processed.
If you have any questions, please click the reply button.
Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Is there an ETA by when this issue will be addressed?
I have already received XXXX billing statements, but this card is still not appearing on any credit bureau.
From : You Sent : XXXX, XX/XX/2022, XXXX XXXX ( XXXX ) To : Comenity Bank XXXX : Re : Credit Bureau Reporting Message ID : XXXX Is there an XXXX by when this issue will be addressed?
I have already received 3 billing statements, but this card is still not appearing on any credit bureau.
From : Comenity Bank Sent : XXXX, XX/XX/2022, XXXX XXXX ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I am with Bread Cashback ( tm ) XXXX XXXX ( r ) which handles your XXXX credit card account. I am here to help with your account needs.
Hi XXXX! I understand your concern. We planned a system update, and are still experiencing issues that impacted our ability to serve our customers in all channels, including credit reporting. I apologize for the inconvenience this disruption has caused. We are continuing to work to restore additional services as quickly as possible.
If you have any further questions, please contact us at XXXX, and request a supervisor. Thank you!
XXXX XXXX XXXX a registered trademark of XXXX XXXX XXXX This XXXX is issued by Comenity Capital Bank pursuant to a license from XXXX XXXX.
Sincerely, XXXX XXXX XXXX Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- How long before this card appears on my credit reports? Which credit bureaus do you report to?
From : You Sent : XXXX, XX/XX/2022, XXXX XXXX ( XXXX ) To : Comenity Bank Subject : Credit Bureau Reporting Message ID : XXXX How long before this card appears on my credit reports? Which credit bureaus do you report to?
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
021XX
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.
08/16/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
FL
33463
Web
This is a response to the response from COMENITY CAPITAL BANK complaint ID # XXXX made by me the consumer in fact. Thank you for partially complying with my opt out request however, there still seems to be a misrepresentation regarding the matter. In your response to my initial complaint, you allege " a consumer has the right to opt out of some information, but the law permits consumer information sharing as may be necessary in order to conduct business for which the consumer does not have the ability to opt out. Please specify in detail how sharing my information to nonaffiliated third parties is necessary for you to conduct business? Notice Consumer reporting agencies has only assumed a vital role which was not granted to them by any governmental authority and there is no obligation for you to furnish on my consumer report. Not only do I specifically not consent for you to share my information to Consumer Reporting Agencies but I dont consent for you to share my Personal Identifiable information to any Nonaffiliated third party. Regardless of my request my information was exposed in a data breach whereas I have no knowledge of ever contracting with you and allege that this account and my information was involved in some form of misrepresentation.
Pursuant to 16 CFR 313.3 Non affiliated party means anyone that isnt jointly employed by financial institution or directly or indirectly owned by you Pursuant to 16 CFR 313.3 Non public information includes personable identifiable information such as but not limited to Social Security Number, Address, Phone Number, Email, Age, XXXX, Weight, or any description derived from my personal identifiable information Pursuant to 16 CFR 313.79 ( 3 ) you must comply with a consumers directions to opt out within a reasonable time You are damaging me and causing me mental anguish whereas I have reason to believe you are intentionally causing me harm According to 12 CFR Section 1016.15 ( a ) ( 1 ) ( 1 ) you may disclose non public information with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction I clearly revoked any consent that may have given you the right to share my non public information and specifically gave detailed directions on how I do not consent for my personal identifiable information to shared. Notice how congress applies that you need the consent of the consumer first before introducing any other of the requirements. whereas you have partially fulfilled my request and claim that I do not have a right to choose to opt out of sharing my personable identifiable information to third parties.
I dont recall ever obtaining a clear and conspicuous notice that accurately reflects your privacy policies and practices of sharing my identifiable information prior to any sharing of my information. If a clear and conspicuous notice that accurately reflects your privacy policies and practices with full disclosure was provided to me prior to any sharing of my information, please provide me with proof. Also please provided with proof that you provided me information that you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party and that I the consumer has the right to opt out of that disclosure and a reasonable mean by which I can exercise the opt out right as I dont recall ever being provided such vital information where in order to find out of such information I had to visit your parent company website and attempt to exercise my opt out right by the email provided where I received no response about the results of my opting out. It was until this Consumer Financial Complaint was filled XX/XX/2022 and you responded 23 days later XX/XX/2022 informing me that you have partial complied with my opt out directions which is not reasonable or practical as you received my initial opt out notice on XX/XX/2022 via USPS Certified Mail Number XXXX XX/XX/XXXX.
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.
12/19/2022
Yes
Credit card or prepaid card
Store credit card
Problem with fraud alerts or security freezes
CT
060XX
Web
In XX/XX/2022, while on vacation, someone took out a Comenity account ( Express ) fraudulently using my maiden name. They also opened a XXXX XXXX XXXX account. They ordered {$310.00} worth of items. When I got home, I got a box of random clothing that is not my size or gender. I immediately reached out to the Express fraud department and let them know that it was fraud and that I did not order it, nor did I know who did. The rep requested that I return the items, and I was credited {$15.00} for the shipping on XX/XX/2022 to ensure the account would be {$0.00}. I let her know that I was traveling through XXXX, XXXX, and XXXX and would return the box as soon as possible. She said that I had until Wednesday, XX/XX/XXXX to return the items.
It did not seem that the return total added up when I received the email and return shipping label, so I drove to Express at XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/2022 at approximately XXXX and returned the box of items to the rep at the store ( I can't find her name ). I included the packing slip from the box I received and the printed return email with a subject of " Your shipping label for Express return ( order # : XXXX ) ''. She said she would work it out with customer support. I received an email confirmation that the items were received from Express on Saturday XX/XX/2022 for order confirmation # XXXX. There was a {$6.00} charge for returning the items, which I believe was inappropriate because of the fraud.
On XX/XX/2022, I received a statement from COMENITY with a late fee and a balance of {$360.00}. I and was transferred to Comenity Collections - a lady named XXXX. She claimed that there was no record of my fraud claim or return. She told me I had to pay {$30.00}. I tried to explain it was a fraudulent amount, and I think she said she would take {$7.00}. When I told her to transfer me to the fraud department, she hung up on me.
I received a letter dated XX/XX/2022 from Comenity stating that they were looking into the request and it would take up to 90 days.
On XX/XX/2022, I submitted a notice of fraud through Identitytheft.gov ( reference # XXXX ). Following their provided checklist, on XX/XX/2022, I sent a letter via certified mail reiterating all of the above. I never received a response from Comenity and I did not get the receipt back that they received it. I also filed a report through Identitytheft.gov ( file # XXXX ).
On XX/XX/2022, I recevied a letter from Comenity stating that I submitted a fraud claim on XX/XX/2022, they concluded I was not responsible for the disputed amount, and they submitted a request to the three credit bureaus to remove the account from my report.
On approximately XX/XX/2022, I was notified of an increase of my credit score, and my soft reports ( from my XXXX XXXX and XXXX XXXX accounts ) showed my XXXX XXXX increased from XXXX to XXXX. I assumed that this indicated that the issue had been resolved.
On XX/XX/2022, I received a letter from Comenity stating that they could not verify my return. I assumed that this was overlapping and the situation was resolved and took no action.
On XX/XX/2022, I recieve a check in the mail for {$320.00} from Comenity. It said I had a credit balance on my credit card account, with no other information. I voided the check and mailed it back. Looking at a copy of the check now, I see that there is a different account number which I did not notice initially.
On XX/XX/2022 I was notified by two of my credit cards that I had a charge off added to my credit report on XX/XX/2022. It shows a new account was opened with COMENITY BANK/EXPRESS and is listed as a charge off and that my credit score has decreased. I can not see how much my score has decreased yet until they update the dashboard. Another credit card that monitors XXXX XXXX shows that Comenity is a new account as of XX/XX/2022, with an Account Balance of XXXX and Payment Status of Collection/Chargeoff.
07/19/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
11233
Web
Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding the false report of late payments on my account with Victoria 's Secret. I believe this situation warrants your intervention and assistance in rectifying the inaccuracies on her credit report.
I experienced significant difficulties in making timely payments due to the simultaneous occurrence of COVID-19 and Victoria 's Secret 's system outage. In XXXX, when she contracted COVID-19 and was subsequently hospitalized, I was unable to make payments through the online portal, as the system was down. This was confirmed by Victoria 's Secret 's representative, a manager with whom she spoke after my hospitalization. The manager assured me that late fees would be waived, and the late payment reports would be rectified due to the system crash.
However, upon receiving her statement, I discovered that only the late fees for XXXX were waived, and the inaccurate reporting of late payments for XXXX, XXXX, and XXXX remained. This discrepancy is deeply concerning and requires immediate attention and correction.
According to Victoria 's Secret 's own statement provided to the Consumer Financial Protection Bureau, a system update caused service interruptions and updates to credit reporting agencies were temporarily paused during a system enhancement that occurred in XX/XX/2022. The company admitted that these outages were frustrating and apologized for any inconvenience caused. Furthermore, they explicitly stated that to avoid potentially reporting inaccurate information, updates were paused during this system enhancement.
It is evident that any reporting of late fees during the aforementioned months is inaccurate and should be rectified promptly. My credit report should reflect the accurate and true representation of her payment history during this period. As I am in the process of moving and seeking to secure housing, the inaccurate reporting of late payments could have severe implications for her future financial stability.
I kindly request your immediate intervention in this matter to ensure that Victoria 's Secret corrects my account information accordingly. This correction should include the removal of the late payment report for XXXX, as it coincided with her battle against COVID-19, and the accurate reporting of XXXX and XXXX, as these were the months when the payment system experienced a crash.
I would like to draw attention to relevant credit laws that protect consumers in such situations. The Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting of credit information, allowing consumers to dispute and correct inaccurate information on their credit reports. Additionally, the Equal Credit Opportunity Act ( XXXX ) prohibits discrimination based on factors such as XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, or receiving public assistance. I expect fair treatment and compliance with these laws.
Furthermore, it is worth mentioning that Victoria 's Secret has a grace period for the month of XXXX, which provided an opportunity for me to get her credit statement back on track. Unfortunately, the subsequent system crash hindered my ability to maintain regular payments.
I urge the Consumer Financial Protection Bureau to use its authority to ensure the necessary corrections are made promptly and that my credit report accurately reflects my payment history. Your intervention is crucial in safeguarding her financial reputation and preventing any potential hardships she may face in securing housing or other financial transactions.
I have enclosed relevant documents, including the statement provided by Victoria 's Secret to the CFPB, as supporting evidence. Should any additional information or documentation be required, please do not hesitate to contact me. I appreciate your attention to this matter and look forward to a swift resolution.
Thank you for your assistance.
Sincerely.
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
XXXXX
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
009XX
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.
09/23/2023
Yes
Credit 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
32803
Web
The purpose of this complaint is to get a refund of the {$88.00} I have claimed was a charge in error by the waitress who said the charge was merely to guarantee that a minimum purchase would be made and that instead of modifying the first charge to include the total charge, she rang up the second charge independently. The credit card company, Caesars Rewards Visa Signature ( by Comenity/Bread Financial ) has claimed an investigation resulted in receiving information from the other side, but the credit card company is refusing to provide that response to me despite repeated requests. Here are the more specific details : I went to XXXX XXXX at the XXXX XXXX in XXXX XXXX at XXXX XXXX on the day of the XXXX games of the XXXX XXXX final XXXX ( XX/XX/2023 ). XXXX XXXX is part of Caesars Property- which is independent of the caesars total rewards credit card I was specifically told by the server/waitress that there was a minimum purchase for the seats, but that if i exceed the food/drink minimum i would not have to pay for the seats. I knew we would meet the minimum so i provided her my car and she ran the card and i signed the receipt for {$88.00} using my Caesars Reward Visa Signature ( by Comenity ). We ( my friend and I ) easily exceeded the minimum purchase and at the end of the night the waitress ran my card and i signed the receipt. It was not until later that i realized that both charges ultimately posted. I contacted the credit card company and caesars customer service and explained the issue. Caesars told me they saw two charges and they both appeared to be correct as there were two charges. Since it had only been a few days I asked Caesars to please speak with the server to verify what the server told me ( only 1 charge if I met the minimum ) so that the issue could be cleared up and that the first charge for {$88.00} could be removed and they would keep the {$200.00} charge. Caesars responded on XX/XX/XXXX that they could not reach out to the server directly. I asked Caesars that since they would not reach out to the server could they reverse the charge. Caesars responded that I was welcome to formal dispute through my credit card. Shortly thereafter I followed up with my earlier phone call to Caesars Total Reward Credit Card with a written dispute per their statement instructions. I provided the email communication with Caesars which included that they would not ask the server and that i was welcome to do a formal dispute.
At first I was given a temporary credit and a letter that i would be advised of the result. I did not receive the results but i did notice that on XX/XX/2023 the credit had been removed. I contacted customer service but the representatives could not tell the results of the investigation. After a few requests, on XX/XX/2023 I finally received a copy of the letter dated XX/XX/2023 but the letter referenced that " we have enclosed a copy of their response for your records. '' However, i have repeatedly asked for a copy of what response was received from ringers or caesars considering Caesars had told me they would not even ask the server if my representation of the first charge was correct. Caesars Total Rewards refuses to provide me a copy of what was received in response from Caesars or any records supporting a decision to deny my claim -- once again, i find it hard that there could be a response since Caesars told me, in writing, they would not reach out to the server. Even though the event took place at at a Caesars Property in XXXX XXXX XXXX XXXX XXXX ) and the credit card is Caesars Total Rewards ( by Comenity ) I am not suggesting that is the issue. The issue is that the credit card company wont provide the response they received to deny my claim, and if they did receive a response, its unlikely that the response could have overcome the fact the facility would not even ask the server to confirm what i claim she told me.
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
085XX
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.
05/17/2022
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
91335
Web
SUMMARY OF XXXX FRAUD XX/XX/XXXX My appointment was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office was going to charge my XXXX XXXX {$1500.00} and XXXX XXXX {$1500.00} the receptionist office manager XXXX applied for XXXX credit on her own computer for {$8500.00} claiming my insurance amount didnt cover total treatment cost of {$11000.00} I trusted them and signed fraudulent treatment plan with {$8500.00} XXXX credit XX/XX/XXXX a total of {$11000.00} XX/XX/XXXX I requested XXXX treatment plan copy to receptionist XXXX to see what my XXXX XXXX insurance was covering and what XXXX credit was covering she said if I could stop and pick it up. When I got home, I didnt understand much of the XXXX fees.
XX/XX/XXXX I had to double check my XXXX treatment plan billing, I did online researched and notice almost $ XXXX was just XXXX fraud unbundling cost and unnecessary treatments. Once I became aware of dental fraud at XXXX I email XXXX office to let them know to please cancel all XXXX services.
XX/XX/XXXX by law I gave XXXX office 15-day notice to refund full amount of {$8500.00} back to XXXX credit XXXX. Due to Breach of Ethics, Breach of California Unfair Practices Act. ( Refund must be administered within 15 days of request. By XXXX XXXX, ( XXXX ) XXXX services : credit ) XX/XX/XXXX I summited my complain to the XXXX XXXX Case # XXXX XX/XX/XXXX XXXX office denied my full amount refund and only refunded {$2700.00} back to XXXX XXXX.
XX/XX/XXXX I disputed {$5800.00} with Comenity Capital Bank who issue XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX close my Case # XXXX claiming they didnt find anything wrong, and they dont handle administration violations like XXXX fraud billing.
on XX/XX/XXXX Comenity Capital Bank XXXX credit denied my dispute said to arrange form of payment of amount due {$5800.00} to XXXX XXXX. I cancel all XXXX treatment on time XXXX office never did or completed any XXXX services and the few XXXX services they provide my XXXX XXXX {$1500.00} covers but as today XXXX office never charged any XXXX fees to my XXXX XXXX insurance.
XX/XX/XXXX I certified mail claim and defense letter to Comenity Capital Bank letting them know that I refuse to pay {$5800.00} for XXXX services that were never done or completed, and I cancel on time. And I dont think I owe this money. If they claim I owe them money {$5800.00}? to please provide me a copy of the written or electronic notice XXXX type I had to signed under law? SECTION 1. Section 654.3 ( d ) of the Business and Professions Code ( d ) A licensee, or an employee or agent of that licensee, shall not arrange for or establish credit or a loan extended by a third party for a patient without first providing the following written or electronic notice, on one page or screen, respectively, in at least XXXX type, and obtaining a signature from the patient : ( there is none because I never signed one ) *And I never completed XXXX credit application online check the IP address the receptionist completed on her own computer with my patient information form. And I was never giving a credit card pamphlet information before application.
*And a copy of XX/XX/XXXX XXXX transaction {$8500.00} XXXX detail billing of each fee.
XXXX XXXX certified mail a Cease and desist letter to Comenity Capital Bank letting them know that I refuse to pay fraud amount of {$5800.00} for XXXX services that were never done or completed, and I cancel on time.
Comenity Capital bank never mail me a complete copy of XX/XX/XXXX {$8500.00} detail summary of each XXXX fee that I requested or a copy my dispute investigation report.
Now I will be hiring a lawyer and will suing the XXXX and Comenity Capital bank. I will seek relief under law Section 1 654.3 ( h ) and Section 2 654.3 ( K ) ( I ) consumer fraud protection because XXXX fraud is consider a white collar crime under law.
Sincerely, XXXX XXXX
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.
01/14/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
VA
235XX
Web
Older American
I am trying to recover {$6600.00} from Comenity Bank that was deposited erroneously in a credit card account that I did NOT authorize. I asked Comenity to close the account and refund me the credit. Comenity closed the account and confirmed that a refund is due me ( see attached documentation ). They have twice mailed me checks that could not be deposited into my XXXX XXXX XXXX XXXX account ; the checks are VOIDED checks. The Comenity customer service reps tell me the checks are good, although void is visible on the checks. Void is noted on the account statement for each refund check ( document attached ). They have refused to refund me via electronic direct deposit into my XXXX XXXX XXXX account. I do not want another bad check. I want them to direct deposit my refund for {$6600.00} as requested into my checking account. If you need additional information, I will be able to provide it after XXXX XXXX, as I will be travelling.
Background : I had a XXXX XXXX credit card with XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. When XXXX reported that they were transferring their XXXX credit card to Comenity, I did not validate the Comenity XXXX credit card. I did NOT open a XXXX XXXX credit card account with Comenity. The Comenity account was created with a user name, password and email ( not my email ) generated by XXXX.
I opened a new XXXX travel credit card with XXXX. I paid for a trip with my new XXXX credit card. I paid my XXXX credit card through my XXXX account with XXXX XXXX XXXX bill pay for the amount of {$6600.00} on XX/XX/XXXX. I noticed that the funds were withdrawn from my XXXX account, but were not credited to my XXXX credit card. Upon investigation, I realized I had the old XXXX XXXX XXXX account number on my XXXX XXXX XXXX pay instructions. That is when I discovered that XXXX had transferred my XXXX XXXX XXXX to Comenity and forwarded the {$6600.00} to a Comenity account. I did not validate the account, and do not owe Comenity anything as I have no credit card with Comenity. The Comenity account has a credit of {$6600.00} ( documentation attached ).
I contacted the Comenity Fraud Department and a representative helped me get access to the Comenity account so that I could monitor the closing of the account, and the refund she promised I would receive by check in the mail on XX/XX/XXXX. I received the check, went to a XXXX branch to deposit the check. XXXX could not deposit the check as it was a voided check. I called Comenity and was promised another check. On XX/XX/XXXX, I received the second check and tried to deposit it again at my XXXX branch. The second check was also voided.
On XX/XX/XXXX, the banker at XXXX, a XXXX XXXX banker and I called Comenity to request a direct deposit of my refund to my XXXX XXXX XXXX account. After more than an hour of transfers and holds we spoke with the expedited refund department. XXXX XXXX faxed the requested information the same day, XX/XX/XXXX, to process an expedited direct deposit. They refused to provide us with a phone number to confirm receipt of the fax and information needed to process the direct deposit. On XX/XX/XXXX, XXXX XXXX and I tried to call Comenity to confirm receipt of the fax. We were never able to speak to the expedited refund department. We spent XXXX hours on the phone being transferred to reps that could not help, put on hold, told again that the check I received was good, transferred to more reps that could not help. Finally, we were transferred to a person that promised to expedite my refund. She took my XXXX account information. She told me I could call her on XX/XX/XXXX to get a status of my expedited refund via direct deposit. She gave me the name XXXX and gave me a phone number to reach her : XXXX. I called her on XX/XX/XXXX as she said I could, and left messages for her. She did not return my call. I have not received the direct deposit refund.
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
XXXXX
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
777XX
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
12/06/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Unexpected increase in interest rate
FL
32507
Web
Embarrassing as it is to talk about we got into credit card debt XXXX thru XXXX. We experienced a hurricane in XXXX and unexpected medical issues at a time when everything in the country increased in price. We had never carried a balance so interest rates etc. never really mattered because it didn't effect us. While waiting for the insurance company to payout hurricane damages, ( we are still waiting at present ) and medical bills we were quickly seeing our finances becoming burdensome. We managed for a bit but then the interest rate was consuming us, so we decided to reach out to see if there was any help available. We were told since we were BJ 's Club members there were no financial hardship cases allowed. There was absolutely nothing Comenity Bank could do. We couldn't close it and make payments, couldn't lower the interest rate, there was absolutely nothing that could be done. We swallowed our pride and asked family members for short term help to stop the interest rate. In XXXX of XXXX we paid off the total amount owed on our statement. Over {$18000.00} What a relief we thought. Then the next bill came and we owed over {$200.00} interest and no charges were late?? We spoke with over XXXX people from Comenity. Some couldn't do basic math. The others said they could only take off {$10.00} and others said we owed it there was nothing to be done. In researching Comenity we found several other complaints ( thousands with BBB ) online and that they are now Bread Financial which no employee will talk about. We also found out they had increased our interest rate 2 times and not informed us and of course when we questioned them they said they had but we have no record of the increases. When asking to be escalated to upper management we were told we were being transferred. We were hung up on or transferred to other employees that were the same level and couldn't help. We tried to find a physical location to speak to someone in person but one doesn't exist. We tried to pay it off to be done with Comenity/Bread Financial again and were being charged a {$9.00} fee and then a late fee because even though the payment was paid on XX/XX/XXXX, the due date, it was after XXXX Eastern time! In this process we found out that an XXXX card that we paid off was also a Comenity product. We were told the interest would be waved. We decided to look at the balance again just to see. Yes that's right. A {$33.00} interest was assigned for NO charges. If we hadn't looked at the online statement for the XXXX card due to the shadiness of our converstions with the employees, we would never have known about the interest and would have been paying interest on the {$33.00} interest that had been assigned. We were never planning on using anything from Comenity ever so we would have never known there was anything there to be paid. All this has left us wondering how much of the $ XXXX we paid off, on the BJs card, we actually owed? We decided even in our extreme embarrassment to go ahead and try to let as many people know so they look to other companies beside Comenity/Bread Financial . Also to look at interest rates etc in case tragedy ever strikes. We have always been the ones to help other people out of tough situations and never carried a balance but it happened to us. We believe strongly that Comenity/Bread Financial should be shut down but we are just one family struck by unforeseen circumstances that they preyed on. We are hoping many see this and steer clear of Comenity/Bread Financial .
We are encouraging all we know not to do business with Comenity/Bread Financial and any Business that uses them as their Credit card Bank. We will be speaking with the companies to find out if they are aware of how Comenity/Bread Financial is treating their customers and if they are we won't be shopping there anymore.
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
XXXXX
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.
06/02/2022
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
33173
Web
Older American
XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) a U.S. government agency Dear CFPB, I have been directed by the XXXX credit reporting agency to contact this agency and ask for resolutions. Before anything Would like to briefly explain what did happen and why I missed one payment. Last year in XX/XX/XXXX my sister was XXXX from XX/XX/XXXX, and she passed away before the year-end in XX/XX/XXXX, and I admit, that was the reason I missed one payment and totally forgot about it, but I kept paying my regular payment on time as usual, till I got alert from XXXX reporting late, but never got notification from the bank that I had missing a payment, I did write to the bank and explain my sister was sick and passed away, and I totally forgot about one payment.. they said we cant do anything, but to dispute it with XXXX, which I did but I got no result and keep disputing ever since and getting no result to this day!
since I have been disputing a negative derogatory credit report by the Comenity Bank regarding my account, and so far, have made several disputes with XXXX credit reporting agency, but only getting the runaround by the Comenity Bank to the point that they have put a note on their system, to ignore my phone calls and would not respond to any facts or document which I have sent to them to prove that I had called in and make my payments on time each and every time.
To explain what is going on! I can give heads up on what this bank is all about? At the time of Covid -19 bank closing Government shutdown, all credit Card Agencies did have financial relief programs, when I called this bank and asked how I can get some relief assistance, I was told by the bank operator in order to qualify for a hardship program, he said to me, I must not pay at least 2 payments and wait after 60-days then apply for hardship, which I will provide you a copy of my payments history to your attention for reference, that all I am saying is documented.
This bank knows what they are doing, they have a plan that if someone misses a payment, the bank will not let the cardholder know that payment is missing? And keep reporting the cardholder to the credit agency as Being late for consecutive months which is not true! Even though they keep receiving regular monthly payments every month on time, they apply the payment to the previous month, this way they can pretend that the client has been late for months, that way they can close the customers account, by this method they can make tax right off for the remain balanced to the Government. Thats the reason they like to impose their agenda hoping they get away with the falsification they produce, falsely indicating that the payment was not received on time.
I would like to indicate that they have ruined my credit payment history which I had exceptionally on time record, and XXXX has closed my account because of a negative report and other creditors have reduced my credit limit as result! and if I dont get this dispute resolved soon enough my loan application can be in jeopardy!
Please read the letters and documentation of my disputes, for better understanding for verification check XXXX XXXX XXXX calls with the date and the times of all the phone calls made to the bank 's phone number # XXXX but they still want to contradict the fact and destroy my credit for their own advantage.
In the description letters, I have indicated that I was promised by the bank representative to pay the one missed payment and repay again the payment that they purposely forgot to process, with following next payment totaled {$180.00} then they would sponge the negative derogatory credit report. And write an apology letter so I can present it to the creditors. I do appreciate your mediate on this matter for resolution.
With so much gratitude XXXX XXXX XXXX XXXX
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.
03/06/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Personal information incorrect
IL
60611
Web
XXXX. XX/XX/2022 I receive email " Your payment is due on XX/XX/2022 {$30.00} Due Date XX/XX/2022 Current Balance {$37.00} '' 2. Some day in the same month, I called Comenity Bank customer care to report the fraudulent account. It took me several days to find a person to speak to. The first call goes to general customer care where they already assume you are a customer, so they asked me questions like last 4 digit of SSN, my number and my address. I told them that I have never applied for this credit card and I am calling to report this account as id theft. By this time, I had already give the customer care guy my address. he said I don't have the card because there is no address on the account. To which I replied that's not the problem, I have not opened this account. Despite this, he took my address from me and added it to the fraudulent account. Nonetheless, no physical credit card was sent to my address even if they thought my account was legit. 3. XXXX, I called them again, took me 1 hour to speak to the general customer care, the lady then transferred me to account security and the call immediately got cut. Now I went through another 1 hour of waiting on the toll free number to get connected. In vain, virtually impossible. 4. I didn't see any accounts on my credit report either till this time, so I didn't panic. 5. XX/XX/XXXX I see a new account on my credit report so I panicked. I was outside USA. I came back and called them to report the fraud account on XXXX of XX/XX/XXXX. This time I called them in the night around XXXX on XXXX XXXX, I clearly remember, finally reached account security pretty quick. The lady reported the account and said debt will be removed and reported to credit bureau sooner next month. This was also the first time they sent me the statement at my address for the first time. I had never received any paper statement before ever in last 8 months. I think Comenity should provide proof if they have sent anything at my address, mail or credit card. I bet none was sent. 7. After this day I relaxed that I sorted everything out. I got no calls no mails from Comenity, mind it, I wasn't told that I am liable for any debt in this call. 8. XX/XX/XXXX I checked my credit score which still hadn't changed. Now I was angry so I raised a dispute with credit bureau, which resulted in account being validated in my name since everything matched including address. Remember address was provided by me in XXXX when I called to report the account, so it was fraudulently added by Comenity staff despite me calling to report the account as identity theft. Comenity should provide proof of address update CFBP. Comenity should also provide audit log of calls from my account, and the transcript. Comenity should provide proof of physical credit card sent to my address, and usage of this credit card. Comenity should provide any other credit card activity. 9. I called them again XXXX first week as I was traveling, This time it took me 1 and a half hours to reach Account Security. The lady told me that now I owe XXXX dollars approx and she can't do anything and it must be paid by me because I raised Dispute with XXXX and they found me responsible. To which I replied, they found me responsible because you legitimized my account by adding the address provided by me to a fraudulently opened account. She didn't listen to me instead she yelled at me as to why I reported the account so late on XXXX XXXX, that means she lied despite having access to call logs. Comenity should provide transcript of this call too. Anyway she strong-armed me to pay XXXX dollars and I agreed because I was held hostage to my credit score. Also, during this period I didn't receive any communication from them that the fine on this account was accumulating and I owed and debt until I called.
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.
10/29/2023
Yes
Credit card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
RI
029XX
Web
You previously provided responses that were unresponsive to the problem. Please see complete timeline below : XXXX. XX/XX/XXXX - I paid in full the {$570.00} balance due to XXXX XXXX XXXX for transactions made up to XX/XX/XXXX ( SEE ATTACHED INVOICE ) XXXX. Between XX/XX/XXXX - XX/XX/XXXX, I charged {$720.00} in new purchases on my card and received an invoice with a due date of XX/XX/XXXX ( SEE ATTACHED INVOICE - SAME AS ABOVE ) XXXX. XX/XX/XXXX - Autopay of {$720.00} for XX/XX/XXXX invoice due date was withdrawn from my XXXX XXXX account, and apparently rejected by XXXX XXXX XXXX ( SEE ATTACHED LETTER and BANK STATEMENT ) XXXX. XX/XX/XXXX - A second autopay of {$720.00} for XX/XX/XXXX invoice due date was withdrawn from my XXXX Bank account, and accepted by XXXX XXXX XXXX ( SEE ATTACHED LETTER and BANK STATEMENT- SAME AS ABOVE ) XXXX. XX/XX/XXXX - I received a cash back/rewards/refund for {$190.00} XXXX. XX/XX/XXXX - I made a claim with my bank for the duplicate withdrawal, and my bank credited {$720.00} to me. In total {$1400.00} was initially withdrawn. I was credited for {$720.00}, and {$720.00} was the total amount withdrawn and paid to XXXX XXXX XXXX for the final invoice I received from them ( SEE ATTACHED LETTER and BANK STATEMENT ) XXXX. XX/XX/XXXX - I contacted Comenity customer care because I received a bill ( without any transaction ) for an amount of {$720.00}, but I paid that amount in full on XX/XX/XXXX. I was told the issue with my billing was likely a conversion error XXXX. XX/XX/XXXX - I received another invoice for {$720.00}. It showed that a payment on XX/XX/XXXX was returned, but failed to show the payment on XX/XX/XXXX that was paid as evidenced by the BANK STATEMENT and BANK LETTER attached.
XXXX. XX/XX/XXXX - Contacted customer care again and they were unwilling or unable to resolve my issue again XXXX. XX/XX/XXXX - Contacted customer care again, and they were still unwilling or unable to resolve my issue XXXX. XX/XX/XXXX - Closed my card due to your terrible customer service and unfair, deceptive, and abusive practices XXXX. XX/XX/XXXX - Obtained and provided to you a letter from my bank explaining that {$720.00} was withdrawn from my account and paid to XXXX XXXX XXXX on XX/XX/XXXX ( their records actually showed the amount was withdrawn twice ) XXXX. XX/XX/XXXX - I contacted Comenity customer care again and Comenity was still unwilling or unable to resolve my issue and was unwilling or unable to provide an invoice with transactions for which Comenity continues to bill me. I have NEVER received a bill from Comenity including transactions for which I am being billed. If I was provided with a bill/invoice containing the transactions upon which my statement principal balance is based, I would be able to demonstrate that Comenity is duplicate billing for transactions that I made between XX/XX/XXXX - XX/XX/XXXX and paid in full on XX/XX/XXXX.
XXXX. XX/XX/XXXX - Contacted Comenity customer care again, and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me XXXX. XXXX XXXX - Contacted Comenity customer care again, and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me XXXX. XX/XX/XXXX - Filed a complaint with CFPB and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me XXXX. XX/XX/XXXX - Filed a complaint with CFPB and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me XXXX. XX/XX/XXXX - Filed a complaint with CFPB and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me
07/24/2022
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
33134
Web
To whomever, it may concern at the Consumer Financial Protection Bureau, I am writing regarding an inaccurate report made to the Credit Bureaus from Comenity Bank related to Victoria 's Secret store card. Comenity Bank falsely reported a late payment to this account, despite the fact that this account has never been late and has rarely not held a XXXX balance throughout the thirteen years that I have had this account open. Despite acknowledging to me on the phone that system updates were likely the cause of this ( clerical error ), months have passed and the report has not been ameliorated. XXXXXXXX XXXX even sent a system-wide email to all Victoria 's Secret card holders related to this issue with payments being properly processed as a widespread problem.
When I was XXXX XXXX XXXX, I opened the Victorias Secret credit card merely to receive {$25.00} off of a {$50.00} purchase. This card has a {$6000.00} limit and I have long had my account set to pay the entire balance off each statement. For the thirteen years that I have had this account open, I have never missed a payment and have rarely not held a XXXX balance on the account. I have never bought anything on my Victorias Secret credit card that I do not immediately pay off. At XXXX years of age, the main reason I have this card is to contribute to lowering my credit utilization percentage on my overall accounts.
I am XXXX XXXX XXXX and just finished my XXXX degree. An administrative error from Comenity Bank that falsely reported a late payment has affected my life to the point that perhaps opening that XXXX XXXX at age XXXX may just be one of the biggest regrets of my life. I was preapproved for a mortgage after finishing graduate school. However, when Comenity Bank made an inaccurate report, my credit score immediately dropped XXXX points overnight and I had to renew the lease on my apartment for another year instead of buying a home.
When I called Comenity Bank to address this issue, the agent was entirely unhelpful. Although he verbally admitted that my account was current on payments and that updates to the system were likely to blame for the report of a late payment that was never actually late, it was merely recommended to me that I make a report to the credit bureaus or mail a letter to Comenity explaining the situation. He was unable or unwilling to properly resolve the situation. I in fact had my account set to automatic payments and have always logged in and paid the entire balance if I buy something at Victorias Secret. The day that I received an alert from my credit monitoring of this late payment, my account held a XXXX balance and said it was current. I then received emails explaining that you were updating the system and some payments did not go through. However, this did not stop Comenity Bank from making fraudulent claims to the credit bureaus falsely a late payment on an account that has never been late. Moreover, the false report was only claimed to be regarding somewhere between $ XXXX {$3.00} ( I do not remember the cents ). I have worked hard to keep my credit in good standing and this injustice needs to be resolved. I am hoping that this can be addressed without seeking legal action against XXXX XXXX. However, I am entirely unwilling to let this stain my credit for the next seven years and will do whatever is necessary to get this fixed.
I appreciate your assistance in investigating Comenity Banks malpractice as it relates to misreporting to the credit bureaus. I am hopeful that a promo resolution can be made. A fair resolution would be to get this false reporting removed from my credit report and to receive some compensation for the XXXX XXXX and financial hardship that this has inflicted upon my life.
Sincerely, XXXX XXXX XXXX XXXX, XXXX.
10/02/2018
Yes
Credit card or prepaid card
Store credit card
Credit monitoring or identity theft protection services
Billing dispute for services
AR
721XX
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 ''
02/22/2022
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
OH
45014
Web
I XXXX XXXX XXXX wish to file a legal complaint against the company called XXXX.
I Opened a credit card account back in XX/XX/XXXX.
I decided 4 months later in XXXX of XXXX. I did not want the account anymore. Back in XX/XX/XXXX ... I made the final payment of {$54.00} that was owed on this acct. On XX/XX/XXXX. I demanded this acct. be closed asap because I no longer saw any reasons to continue business with this company.
XXXX XXXX extortion practices start. After XX/XX/XXXX, XXXX and My acct. is officially closed.
There was no reason for me to be receiving any billings from XXXX XXXX XXXX XXXXXXXX after XX/XX/XXXX. Suddenly, I get another electronic bill for {$2.00} from this XXXXXXXX XXXX XXXX XXXX after paying a closed acct. off in full amt. of {$54.00} on XX/XX/XXXX. Apparently, XXXX is continuing to keep sending me bills on an already closed acct.
How XXXX can this XXXX XXXX be to keep thinking that I am going to keep paying finance charges that they took upon themselves to keep trying to charge me on a closed acct? XXXX, no I dont think so.
I owe this co. XXXX not one more dime!
This is the message I receives after my paying the full bal. of {$54.00} off! How is it XXXX is clearly aware of this acct. being closed but continues to extort me continuing to keep charging me finance charges on a closed acct. that XXXX knows at my request is permanently CLOSED!
Message # 1 here : If you would read above, I should not be receiving any more notifications from this XXXX XXXX after XX/XX/XXXX.
Why is this XXXX XXXX keep on trying to bill me on a closed acct.? If they had any change in their co. policies and posted in my closed acct. on XX/XX/XXXX, and my acct. was closed on XX/XX/XXXX, then officially I am no longer an acct. holder after XX/XX/XXXX... So, what this XXXX XXXX post as far as their terms STARTING on XX/XX/XXXX has absolutely nothing to do with me due to me no longer be an acct. holder as of XX/XX/XXXX.
This is where your agency comes in. This is against law. This co. can not and will no be scamming me out of one more dime when I have no balance with them at all after payment in full!
Just look at the continue billing below here. This XXXX XXXX is harassing and extorting me. This is something I know you people deal with so get this mess of extortion and harassing me for more money to stop!
Look at message # 2 ( see attachments ) what should I be liable for any bills after I closed this acct. paid the acct. off in full XX/XX/XXXX?
As of XX/XX/XXXX, paying this acct. off in full I then started to get bills like this in my email? XXXX After paying the account of in a zero balance I continued to keep getting billed on a closed acct! As of today XX/XX/XXXX, I decided to place a call today to this crazy company after looking at my email and getting another e-bill today for {$30.00} I can not understand why I am getting a bill on an account thats been closed since XX/XX/XXXX. XXXX do not own me for life XXXX is wrong with these people? these people XXXX catalog credit card company under the direction of XXXX XXXX is continuing to keep trying to extort me for monies I do not owe! Just plain old EXTORTION bottom line! the first payment I kept seeing was a two dollar and some change in the next payment kept coming at two dollars and some change again and again and again!
I could understand what this company keeps billing me to the point whereas some added charges on a closed acct. adds up to {$30.00}. these XXXX XXXX people know XXXX well they can not keep billing me on a closed account.
How do CONSUMER PROTECTION AGENCY keep allowing a company like this XXXX XXXX to charge consumers finance charges on closed accounts when you the consumer no longer have the account opened?
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!
10/18/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
GA
30045
Web
I am filing an additional complaint because in my previous complaint XXXX Comenity Bank responded with XXXX XXXX XXXX and I never had any dealings with them because as explained, I was told that they were XXXX but the financial side, never told another company. I got login information directly from XXXX to access these accounts. I didn't learn that these were individual companies until I had problems trying to set up dates for vacation and the rep was going over the account and disclosed them.
The representative who was a part of the presentation explained that the Comenity Bank was the financial part of XXXX, which was NOT true. They opened a line of credit with this company which is NOT XXXX and also a credit card which they told us was a XXXX XXXX XXXX which was also NOT true, it was also it's own company!
FCRA Affiliate Sharing Rule. clearly states 624. Affiliate sharing [ 15 U.S.C. 1681s-3 ] ( a ) Special Rule for Solicitation for Purposes of Marketing ( 1 ) Notice. Any person that receives from another person related to it by common ownership or affiliated by corporate control a communication of information that would be a consumer report, but for clauses ( i ), ( ii ), and ( iii ) of section 603 ( d ) ( 2 ) ( A ), may not use the information to make a solicitation for marketing purposes to a consumer about its products or services, unless ( A ) it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons for purposes of making such solicitations to the consumer ; and ( B ) the consumer is provided an opportunity and a simple method to prohibit the making of such solicitations to the consumer by such person.
I was NEVER given the opportunity to deny or decline these accounts which were apparently XXXX affiliates that they solicited to open these accounts. Everything had XXXX 's name on it that's why we didn't know any different. With the exception of Comenity Bank, which again we were told was XXXX but the financial part of them. XXXX set up the accounts and gave us login information we never had to go to either company to do anything. This is why we had no idea all these accounts had been established.
The reason it shows that I was making payments is because I wasn't eligible to set up reservations until early 2019 for vacation. Certain areas allowed us to set up reservations no more than XXXX in advance. This is why we had to wait until the new year because the vacation would've taken place at the end of the year.
However, after learning the information of the multiple accounts not being disclosed and the way the reservations really worked, along with the problems trying to do the reservations, I ceased everything with XXXX because they were deceitful in their dealings. I dealt directly with the agent at XXXX with my concerns because all of my dealings were always with XXXX.
I ask that Comenity Bank account # XXXX and XXXX 's account # XXXX the initial companies that provided information to the collections, provide the signed agreement that I entered with them to open these accounts. If they are not able to provide this information, I want every company connected to these accounts ( including the collection companies ) removed and permanently deleted from my credit and any other reporting or attempt to collect ceased.
Comenity Bank # XXXX XXXX 's # XXXX XXXX XXXX ( Collection ) # XXXX ( they did a cease and desist but states debt valid but never proved it ) Portfolio ( Collection ) # XXXX Due to my previous complaint XXXX XXXX has removed their information from my credit report. However, they are still trying to pursue payment.
I have attached the Rewards Card to show that EVERYTHING said XXXX.
02/02/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NC
284XX
Web
Older American
XX/XX/XXXX XXXX I have three main issues with Comenity Capital Bank 1 Comenity charged late fees to my account that was under dispute 2 Comenity submitted deregulatory credit reports on a disputed late fee 3 Comenity proposed a solution to resolve the dispute and did not uphold their end after receiving payment.
I want Comenity to do the following 1 refund the {$65.00} I paid as part of the initial resolution 2 Credir the {$140.00} in fees and late charges they placed on the account even thought the account was paid in full.
Im sending the enclosed information to follow up with my dispute of the Community Capital/XXXX account XXXX I did not have this information available in a format I could upload with my initial online dispute. When attempting to get back into the online dispute to add additional information, the system had already closed the dispute and I couldnt upload the attached information.
Comenitys representative indicated that they do not respond to messages ( disputes ) left in their system or disputes in writing or by phone to their customer service team. They did not accept any responsibility for the first bill getting to me late or their systems inability to accept my payment XXXX XX/XX/XXXX when I entered it into their system. The system post dated the payment to XX/XX/XXXX even though it was input in time to be credited on XX/XX/XXXX.
XXXX not sure at the moment who-else I should report this to but Im filing a complaint with. I paid {$65.00} in late fees to settle the account to maintain my credit score and history, not knowing that Comenity had already reported the account while under dispute.
I paid the account in full ( {$200.00} ) on XX/XX/XXXX ( due date ) Comenity system post dated my payment to the next day XX/XX/XXXX I informed Comenity and ask that they not charge a late fee Comenity charged a late fees on the account even though it was under dispute Comenity charged additional late fees Comenity informed me they dont respond to messages left on their system, and that account statement information is their method of responding to disputes No manager was available to discuss account I disputed the original late fee in writing.
Comenity indicated that they waived the 3rd late fee.
I asked for the first late fee to be credited and there would be no other fees Comenity had a balance of approximately {$100.00} Comenity and I agreed on {$65.00} to settle the account in full on XX/XX/XXXX I paid the {$65.00} on XX/XX/XXXX I received XXXX statement with XX/XX/XXXX payment date with {$43.00} balance outstanding Comenity applied the payment of XXXX but did not credit the balance as promised I received the XXXX statement with XX/XX/XXXX payment date with {$82.00} balance I received a notice from my credit monitoring agency that Comenity filed a late notice against my account that was under dispute.
I want to report this this to the appropriate regulatory agency not only to get my money back but to start an investigation into Comenity to see if they are repeat violators and taking advantage of others by making inappropriate charges to their account and submitting false credit reports.
Thanks XXXX XXXX XXXX This account is currently under dispute Account info Account name COMENITYCAPITALXXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open.
Status updated XX/XX/XXXX Balance {$43.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$37.00} Credit limit {$1600.00} Highest balance {$200.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments XXXX Past due XXXX days XXXX Past due XXXX days
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
708XX
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.
07/24/2023
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt is not yours
NY
105XX
Web
Older American
This is a complaint about Bread Financial, XXXX XXXX XXXX XXXXXXXX OH XXXX I am getting harassing emails and phone calls from Bread about a consumer debt that does not exist. I have the emails. Bread recorded its abusive calls. Everything below is documented. Bread has : repeatedly : refused to contact the merchant to verify a nonexistent debt ( saying thats my job ), said I have to prove I didnt take out the disputed loan ( logically impossible ), continued to contact me repeatedly after I asked them to stop, threatened to lower my credit score, and attempted unsuccessfully to withdraw money from my bank account. Multiple people at Bread have done this. I doubt I am the only consumer Bread is abusing. Bread is shockingly ignorant of its legal obligations.
I purchased XXXX XXXX from XXXX on XX/XX/XXXX for {$2400.00}. I signed a single loan agreement for a single purchase. However XXXX tells me Bread mistakenly recorded 2 loans, on XX/XX/XXXX and again XX/XX/XXXX. XXXX has told Bread of its mistake.
When Bread sent double payment requests, I said I have only one loan. Please fix this, Bread responded There are two orders, please follow up with the merchant.. .we are unable to make any adjustments to cancel or refund your order. I was asking Bread correct its records, not to cancel or refund an order because the " order '' is never existed.
I responded that I had one order and one loan and Bread could not possibly have evidence of a second transaction. I requested that Bread acknowledge my dispute, investigate and tell me the results. I also asked for a copy of the claimed second loan agreement because I know there isn't one. Bread refused, saying that we are unable to resolve your request. Please reach out to the merchant where you made your purchase directly.
That evening XXXX from Bread called me on a recorded line. She was nasty and abusive, and told me that Bread would not investigate my claim that there was only XXXX transaction unless I could give evidence of this. She refused to investigate, and said I was going to have to straighten things out and cancel the second ( nonexistent ) order.
I then received a call from XXXX, a Bread supervisor. Also nasty and abusive, she said Bread was " unable '' to contact XXXX and that I had to and send proof from XXXX. She threatened to lower my credit score if I did not.
Both XXXX and XXXX told me on a recorded line that it is my obligation to disprove the existence of the nonexistent XX/XX/XXXX loan. I asked them if they could prove that they didn't owe me a million dollars, and neither had a response. Disproving a nonexistent transaction is impossible.
XXXX XXXX at XXXX contacted Bread and emailed me me, I just got confirmation, so we can proceed with getting all of this corrected. Even though the application I sent to you had the one device totaling {$2400.00}, it appears that was somehow transacted twice in Bread 's system. They are working on getting the second charge cancelled. And whenever you want to switch payment options, we can get that set up, so we can get the other financing charge cancelled as well.
Given the trouble I was having with Bread, on XX/XX/XXXX I paid XXXX directly for my purchase, and XXXX paid off the the loan. Bread is now trying to withdraw money out of my bank account! This was confirmed by my bank ( XXXX ) and Bread. I did not authorize this and have managed to block their attempt, so far.
Bread has resumed emailing me, now claiming that XXXX paid off a loan, but I still owe {$2400.00} on the nonexistent second loan loan.
Breads practices are persistently illegal and abusive. I doubt I am the only person with a Bread problem.
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.
08/14/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Incorrect information on your report
Account information incorrect
TX
75219
Web
Servicemember
This is not duplicate issue. Its ANOTHER issue.
At the end of XXXX I was closing on an RV loan and a truck loan, as well as a business loan. My scores were critical and I depended on the fact that Comenity would properly report a proper billing cycle according to their policy and procedure and pattern they have operated on for 19 months. Especially since I was unable to access my account or speak to Comenity customer service for well over 30 days.
On XX/XX/2022, Comenity denied me access to my account and denied me access to customer service. I had not way of communicating with Comenity to CONFIRM that Comenity 's billing cycle is still THE DAYS OF THE MONTH. Same as they have operated for 19 months. ( i.e. XXXX has XXXX days, XXXX has XXXX days, billing cycle is 30 days, XXXX has XXXX days ). Comenity representative ASSURED me on a recorded line that it was in fact the same policy. This was CRITICAL to me being able to zero out my balance reported to the credit bureaus.
On XX/XX/2022 I was unable to pay my bill in full.
On XX/XX/2022 I was unable to pay the full balance only partial before it logged me out and I was unable to gain access again.
On XX/XX/2022 After MANY attempts to gain access to my account to pay the rest of the balance, it finally let me and then logged me out again with no access to verify payments submitted.
On XX/XX/2022, I received notice my score dropped by XXXX points. At the time I was unaware that they decided to change their billing cycles from " days of the current month, to XXXX days '' I still had XXXX access to my banking and credit card statements, which should be deemed unlawful.
I was unable to close on my loans.
After much complaining, Comenity 's " courtesy '' was to randomly report my account balance THE DAY BEFORE THE XXXX DUE DATE, which they knowingly and with reason to believe it would harm my score again for XXXX, instead of just reporting statement closing date balance. I do believe this was in retaliation to my many emailed compliants. There was NO REASON to report my balance on the day before the due date, instead of waiting to report my balance along with all the other consumers.
I also found out from XXXX they REFUSED to answer my dispute so XXXX was forced to delete my perfect payment history and lowering my credit utilization.
So they are picking and choosing when to report my credit bureaus but not others? I have asked SEVERAL times for their policy on reporting to the credit reporting agencies and they refuse to tell me or give me the policy that is NEGATIVELY IMPACTING MY CREDIT REPORTS.
Did everyone get a balance reported on XX/XX/2022, when the due date is XX/XX/2022? Should I have not been notified? or given a choice since all of this is THEIR default and unlawful behavior?
On or about XX/XX/2022, on a recorded line, the customer service agent ASSURED me and CONFIRMED TO ME, that my balance would absolutely be reported on the statement closing date just like every consumer for XXXX XXXX account XXXX I made sure it was XXXX. They were dishonest and lied to me.
I just received a notice AGAIN that for XXXX that as " ANOTHER COURTESY '' they will be randomly reporting my balance again, and not reporting XXXX statemen billing date AGAIN. So they get to choose which balance they see fit, harming and damaging my changes at my loan for now 60 days.
Why am I being discriminated against? I feel it is retaliation for standing up for myself and my financial loss. They continue to lie to me, telling me they will do one thing and then completely doing another.
I am asking you to step in with a cease and desist. Hold them accountable.
07/18/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
NC
27278
Web
I have had my comenity ulta rewards card for over a year and made all payments and the account was closed due to " negative prior activity ''. When I called to ask what they said was that due to my current credit that I was considered not credit-worthy and therefore they close my account. They closed it over a month ago and never told me so I was still trying to use my card to get the things that I needed with it but obviously it was declined.
During the course of this call I also found out that they had closed one of my accounts in the year previously under the same circumstances and never told me. I assumed it was fine since it was a 0 balance and i hadn't used it ( that store isn't near me and i haven't needed jeans ).
I don't understand how a credit company can say that you are credit-worthy to open an account, keep you for a year or two while you are paying the card and using it as needed and doing what you're supposed to do with a credit card, and being an excellent customer, which is what the representative said to me, and then decide that they are no longer credit worthy and close their account.
By closing these accounts comenity has taken almost XXXX points off my credit report and since these cards were in good standing with zero balances and open they were floating my credit while I paid my other cards with higher balance. Closing these accounts has also negatively impacted me being able to get a sorely needed repair mortgage on my house.
They also mentioned my Victoria 's secret credit card which was written off by the company after the company realized that they had done something wrong and so I was told it is no longer on my credit report nor is it supposed to be used for determining credit worthiness. It's not even in collections anymore.
Comenity plays games with people 's livelihoods by arbitrarily closing accounts that are in good standing. I could understand if they were closing my accounts due to non-payment or similar, but they're not even closing them because of anything negative that I have done. Using my credit score against me after I have an already opened account that's in good standing means that if there's any medical emergency etc where I can't pay the money down and it affects my credit score it will now snowball when comenity decides to close accounts due to changes. Comenity is using outside situations that have nothing to do with department store credit cards and accounts in good standing to further alienate credit users.
This policy ( which according to the representative is industry standard ) of checking revolving credit on their customers and then dropping the hammer on them whether they are good customers or not is absolutely egregious. My medical and school debt should only account for credit worthiness when applying to open an account not 2-4 years later after great customer relations after that customers circumstances change. I could understand if by my circumstances changing I had somehow started missing payments or buying things without the intention of paying it back but you're talking about accounts with zero balances that aren't being used unless they're going to be paid being closed simply because I have other debts outside of my credit card history.
Lastly, Comenity never communicated these closures or issues with me. They said they tried in due diligence but never was i communicated with. Then i was told the onus is on me to write a letter to them detailing why i think i shouldn't have had them closed, but that they won't reopen the account and that it won't help me. So i should beg for my credit but also not expect to get my credit.
08/23/2022
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
PA
177XX
Web
To Whom it May Concern, I am writing this letter voluntarily and of my own free will. I've discovered that my credit reports include errors, and the FCRA statute requires that they be checked by real people rather than computer programs. Speaking with people I know will serve as verification, as secondary credit reporting organizations ' information is frequently wrong. As the source of this material, I demand that it be deleted right away.
1. Offer proof of the debt, such as real accounting.
2. A signed invoice serving as proof of their claim against you.
3. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery.
This letter is to inform you that the below referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information.
I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts?
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner.
Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( 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
02/20/2019
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CO
801XX
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
XXXXX
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
331XX
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
01/29/2023
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
53142
Web
The emails started back in XXXX of XXXX, i asked for a refund because i accidently made an extra payment for the account. I sent them this From : You Sent : Friday, XX/XX/XXXX, XXXX XXXX ( ET ) To : Comenity Bank XXXX : Refunds Message ID : XXXX Hi, so can you please send back my XXXX payment, IT was not due, and it went out automatically. I DO NOT WANT TO MAKE EXTRA PAYMENTS FOR THE MONTH OF XXXX.
I got the response From : Comenity Bank Sent : Tuesday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Refunds Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. We requested your refund. I've reviewed your inquiry and requested a refund to be sent to you. Please allow up to 7 business days for delivery. Thank you for taking the time to reach out, and have a great day. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team Ever since this day, i have done every thing I can to have them fix the problem. Including an internal investigation awaiting for them to see that they made a mistake and fix the problem. The refund was done as a purchase transaction, therefor we are paying interest on the bill and the balance due went up from XXXX to XXXX as of now the XXXX has increased to XXXX which is showing on the bill due XX/XX/XXXX interest accrued is XXXX When i went on the website to make the payment before the bill was generated and in the mail, i saw that the bill increased to XXXX for the payment due XX/XX/XXXX so i called on XX/XX/XXXX XXXX spoke to XXXX, he said that if i paid the XXXX dollars the bill will go back down to XXXX as it should, so i had already made the XXXX payment for the month so i went on their website and made the XXXX dollar payment. XXXX XXXX said to look for the online statement generated on the XXXX of XXXX for the month of XXXX, so in doing so i had to call them again on XXXX and spoke to a XXXX @ XXXX XXXX i asked to speak to a supervisor and we got disconnected, so then i recalled @ XXXXXXXX XXXX on XXXX and spoke to a XXXX, who then transferred me to a supervisor XXXX, who was able to credit the XXXX $ for the payment due in XXXX however i requested to speak to her supervisor, she transferred me to miss XXXX, who said that the refund company was a separate identity as far as giving the refund and because your bill is showing the refund as a transaction your bill went up. It shows original puracase amount n/a original purchase date n/a plan expires none previous plan balance XXXX payments and credits XXXX $ this is the extra XXXX that i paid on line on their website, New balance XXXX plan minimum XXXX $ total accured interest XXXX ... So what miss XXXX did was dispute the XXXX purchase that is all I got done with this phone call. On XX/XX/XXXX i got a letter showing that the right department received the claim. On XXXX I called in regard to the dispute and was told I needed to pay the XXXX for the month of XXXX, however my notes say i only paid the XXXX, I received a letter on XX/XX/XXXX saying the room place credit card is showing my payments are distributed on your account as described in your credit card agreement and goes on to say the explanation of how the intrest is accumulated ect ... .So it looks like to me they are not honoring the refund. I will be callin them again as it looks like i have 30 days to fight their choices. I have a history of emails as well dating from XXXX all the way to today XX/XX/XXXX. The bank that they use is comenity bank, now known as Bread XXXX i guess. Please help me with this case. Thank you
05/24/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with balance transfer
CT
06042
Web
I had one Promotional Transfer on my account that I initiated on XX/XX/XXXX for 0 % that expired on XX/XX/XXXX. I made a payment of {$1900.00} on XX/XX/XXXX which was the sum of my minimum balance and the remaining promotional balance owed at that time. I was told I needed to wait for the payment to fully post to my account before calling in to Customer Service to get that amount appropriately allocated. I complied and waited until XX/XX/XXXX to call back and get the correct amount applied, which was {$1600.00} shown on my XXXX statement.
On XX/XX/XXXX the amount of {$1600.00} was put on my account as a Balance Transfer. That is six days after paying off that exact amount from my Promotional Transfer originating on XX/XX/XXXX. On XX/XX/XXXX a payment on my credit card statement shows for {$1600.00}. Then another Balance Transfer of {$1600.00} was put on my account on XX/XX/XXXX. I did not initiate these transactions. I called on XX/XX/XXXX to rectify and a dispute was put in by the representative over the phone. I continually checked my statements from then on. I called again on XX/XX/XXXX because I saw that nothing was resolved on my statements. I was told by that representative that all disputes are handled by paper mail and they take 90 days to resolve. I was diligent and waited over 90 days and received their XX/XX/XXXX dated notice on XX/XX/XXXX. The notice was not in my favor saying that my account was correct as it is.
I called in on XX/XX/XXXX to further dispute these transactions. Spoke to a representative that got in touch with a few of her superiors. She was able to tell me that during the time of the transfers of {$1600.00} in XX/XX/XXXX and XX/XX/XXXX, there were no promotional offers available from the company. A second dispute was put in over the phone and I was advised to put in a secure message through the company 's credit card website. I put a secure message into the Company 's website on XX/XX/XXXX. On the same day, I also mailed in correspondence of the credit card and bank statements that need to be reviewed in relation to actual payments I made myself.
I am writing to say that my account has been inaccurately handled from the moment I paid off that balance on XX/XX/XXXX. Here is the timeline according to my statements : XX/XX/XXXX : paid {$1900.00} = Minimum due + Promotional Balance XX/XX/XXXX : Called in to allocate {$1600.00} to remaining Promotional Balance XX/XX/XXXX : {$1600.00} Promotional Balance Transfer added onto my account XX/XX/XXXX : Monthly Payment of {$200.00} XX/XX/XXXX : {$1600.00} paid XX/XX/XXXX : {$1600.00} Promotional Balance Transfer added onto my account XX/XX/XXXX : {$15.00} Balance Transfer Interest XX/XX/XXXX : {$24.00} Balance Transfer Interest XX/XX/XXXX : {$26.00} Balance Transfer Interest XX/XX/XXXX : {$26.00} Balance Transfer Interest XX/XX/XXXX : {$26.00} Balance Transfer Interest The Original Transfer that I paid off on XX/XX/XXXX was not resolved and is still on my account with NONE in the place of an expiration for the plan. The remaining balance on that is {$1500.00} and is seemingly accruing interest.
There is a second Promotional Transfer of {$1600.00} that says it was initiated on XX/XX/XXXX also with NONE in the place of expiration for the plan with a remaining balance of {$3000.00}. On XX/XX/XXXX {$1600.00} was added to this Promotional Plan to create a New Plan Balance of {$3200.00} as reflected on my XXXX Statement. All of these Transfers have not been initiated by me. All while the balances continue to accrue interest and my monthly payments have been partially directed towards each balance.
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
280XX
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
01/13/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
NC
27587
Web
I received the Bread Financial American Express credit card provided by Comenity Capital Bank back in XX/XX/XXXX.
In general, American Express is known nationally and worldwide, has a good reputation and is known to provide excellent customer support when needed. However, this clearly was not the case with the American Express card acquired through Comenity Capital Bank pursuant to a license from American Express.
This bank lacks everything from transparency, ethics, competence, and customer support. Customer Service was very poor : lacking knowledge and understanding the banks policies and procedures.
On XX/XX/XXXX I filed a dispute claim with American Express for the XXXX XXXXXXXX XXXX XXXXXXXX XXXX software purchased from XXXX XXXX XXXX in the amount of {$120.00} requesting assistance for a product I was unable to use.
As time went by, I messaged customer service and called on numerous occasions inquiring as to the status. All I was able to obtain is that I will receive a letter in 90 days. I was told I am liable for the full amount. Otherwise I will incur interest and late fees! As a general rule banks and credit card companies will not hold you financially responsible for amounts being disputed until it has been resolved.
My monthly bill was due in early XXXX of XXXX. However, due to a credit I received for a product I returned, my account balance reflected a credit balance of over {$850.00}. I called the bank and requested for my refund to be deposited directly via ACH.
I was told that I am unable to get my refund until the dispute is resolved. This was outrageous since they already deducted the amount due from the credit balance.
In order for me to receive my refund I was put in a position of closing the disputed claim and closing my account which I did not want to do. I have never experienced anything of this nature in working with other major credit cards or banks over the years!
Furthermore, the terms which are in very fine print of the Credit Card Agreement and any reasonable and informative person would not have seen, under Your Rights If You Are Dissatisfied With Your Credit Purchases reads as follows : 1. The purchase must have been made within your home state or within XXXX miles of your current mailing address.
In addition to their lack of ethics, is their misrepresentation, this bank has the audacity to carry the American Express logo on their card, which is accepted nationwide and worldwide, yet they will not cover purchases exceeding 100 miles of your residential address! Although I filed a dispute claim with Comenity Capital Bank, I am questioning whether they even bothered to follow up on this dispute. Getting the impression they simply wait 90 days to send a letter only to find out no resolution was achieved. Comenity Capital Bank is not only unethical, they lack transparency ; they misrepresented what the American Express cards truly stands for, and lacks customer service! Its been a huge inconvenience, a waste of time and costly! I do not recommend the Comenity Capital Bank American Express Card. I will inform news reporters and other agencies to make the public aware of how this bank operates. The right thing for Comenity Capital Bank to do is to either reopen the disputed claim, do a proper investigation at minimum, which I am entitled to or to simply refund me the {$120.00} for mishandling my case in the first place, misrepresenting the American Express standards nationwide and worldwide, and for bribing me into closing the disputed case and my account in order for me to get my refund back totaling over {$850.00}.
01/13/2023
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
NC
278XX
Web
XX/XX/2022 i went to The XXXX XXXX in XXXX XXXX XXXX to purchase uniforms for my kid. When i go to pay for my items the cashier says if you sign up for a XXXX rewards card youll get {$20.00} off your transaction. I said ok cool. So while shes processing the account she asked for my license and then she called somebody on the phone. After speaking to whomever she was speaking with, she gave me my license back and said i was approved for {$300.00} credit limit. I asked maam did you just sign me up for a credit card? She paused and slowly said yes. I told her i didnt want a credit card, i dont own any and if she would have said it was a credit card i would have said no. I told her cancel it because i didnt want it. She said she couldnt cancel it. I would have to call and cancel. i was in the middle of buying a house and didnt want to mess up my credit score. She then explained i wouldnt have to pay anything unless i used the card no monthly fees or anything. she then asked did i want to use the card to make the transaction and i said no because Im going to cancel it. So i swiped my debit card and a receipt comes out. I called the number she provided to cancel it and the supervisor was rude and said it was nothing they can do and that they can close my account but it will drop points on my credit score. XXXX months later i started getting calls so i kept blocking the different numbers i thought it was a scam. So i finally googled the number and it came back to comenity bank. So i called them to ask why they keep calling? They said i owed {$150.00}. I told them i didnt owe anything. I said somebody else must be using the account. I said I never even received a credit card or statement at my in the mail. I then found out they had the wrong address and never updated it until later when i told them i was recording the conversations. I checked my bank statement and my debit card never paid for the transaction. I called the manager of the XXXX place and explain what happed. She pulled up my receipt then she also explain that when you sign up for the card it automatically pays for the transaction. She also said there was nothing she could do about the fees and credit card etc. I asked her so why did the cashier ask me if i wanted to use the credit card like i had a choice? She said she didnt know. I then called comenity bank back and explained what happened. They kept telling me they couldnt help me until I made a payment. I told them i will only pay for my transaction at the store because they didnt use my debit card like I thought and I didnt authorize the store to create a credit card account or purchase the items with the credit card account. nobody told me the transaction would go on the credit card account. the first and only statement i received was when i closed the account and the guy agreed that i can pay the transaction fee and they would waive the rest and then would close the account ( I have an audio recording of the phone call that took place ). I paid the transaction amount and closed the account. In which I found out the payment I paid was more than the transaction amount. The next day they sent me a bill stating what i paid and that i still owed. They never did an inquiry on my credit reports. They only then reported i owed money, {$110.00}. And now they are saying i made another payment which is not correct, i only made that XXXX payment in XXXX for {$85.00} that I thought was the transaction fee but it was more. I have the recording of when the guy agreed to waive all the fees if i pay the transaction amount and it would be a XXXX balance after.
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
431XX
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
331XX
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.
09/30/2023
Yes
Credit card
Store credit card
Problem with a company's investigation into an existing problem
Their investigation did not fix an error on your report
AZ
85122
Web
On XX/XX/XXXX I had learned my XXXX XXXX XXXX XXXX was charged for XXXX separate transactions that i did NOT make.
XXXX on XX/XX/2023 for {$570.00} for multi merchandise & GiftCards for {$250.00}. Second on XX/XX/XXXX for {$620.00} for multi Merchandise and XXXX {$250.00} XXXX. I Immediately notified XXXX XXXX XXXX, They informed me the last XXXX numbers of the card that was used to make these purchases which is confirmed NOT my Physical card which i have with me but a " Virtual Card " Which left me with more questions than answers. How these purchases were made without my card or my ID? XXXX had told me they opened an investigation but could NOT tell me an exact time frame when the person ( s ) made these purchases or How. I had then Reached out to XXXX XXXX XXXX in XXXX where the purchases were made. They also informed me they could not assist me since they do not have records after XXXX hours. However they were able to tell me along with purchases made there were also Multi Gift Cards made as well also they told me to contact my credit bureaus to inform and dispute. I also had called XXXX Customer Service and again was informed they could not tell me anymore information then i already know again NOT HOW this happened or provide at the very least a receipt with a time frame of purchases to be able to view cameras fees etc. They informed me they would escalated this further, and to file a police report. So I filed XXXX police reports, I had received a phone call a week later informing me from the store they dont have footage from the cameras if its more than a week. After I filed my police reports, I contacted my credit bureau to file a dispute against XXXX.
A month goes by without an email/phone call piece of mail nothing. So I reach out to XXXX XXXX for an update. Spoke to a The fraud dept he said they are still investigating, but with the police report number he chose to close the account.
Another month goes by and I receive a bill from XXXX Comenity, I logged in which i was surprised I could even still do and saw the chargers for the transactions were on now my balance. I immediately call XXXX comenity once again spoke to another supervisor who informed me that because I filed a dispute with my credit bureau they were saying I was disputing the entire account Vs the transactions. I Informed them I absolutely did not! For filing a dispute to my credit bureau which is what every team from XXXX and the police told me to do. They decided to put all charges on my Credit Card without informing me of anything, after going back and forth with the supervisor he advise me to turn off auto pay and file another dispute with the credit bureau. The Supervisor also told me We live in a world where people know how to hack to the system. I have never in my life been hacked, or had anything like this happen to me in my life. I had put my trust with a credit company that clearly does not care enough to have a better security system to make sure this could never happened. Also does not even have the decency to keep me informed about anything.
After the call, I called into XXXX and told them every single detail. They filled out another dispute again this time on the phone involving the transactions like I originally had set for it in the first place.
However XXXX XXXX has yet again still not notified me of any investigation/ or freeze my account absolutely nothing. For a credit card company to treat there consumer that has paid faithfully every single month and to make the consumer feel like anything but the victim is unacceptable.
01/10/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
PA
170XX
Web
Subject : Comenity Bjs Wholesale Mastercard, card ending in XXXX I need your help.
I paid off this credit card, even received a letter from them stating my balance was {$0.00}. I cancelled the card and then I started receiving late fees for owing them nothing. I believe I am being harassed since I turned to you for help in XX/XX/XXXX. At that time Comenity did not credit my account ( {$120.00} ) for the full amount on my check ( {$120.00} ), where Comenity started to assess interest. You were very helpful in getting that issue resolved.
Timeline : XX/XX/XXXX : My last purchase on the card was for gasoline at BJs for {$35.00}. It has not been used since.
XX/XX/XXXX : I paid my bill on-time and in-full, {$290.00}, ( check number XXXX ) in Comenitys provided envelope with their address showing thru the envelope window. Payment was made before the due date XX/XX/XXXX. I always take my mail to the post office and drop it in the inside collection point or with the post office teller. Note : I received it back from the post office XX/XX/XXXX. In speaking directly to the post office teller, who reviewed the post offices printing on the envelope, I was told the letter was routed 3 times before being returned to me. The outside of the envelope was marked, Return to Sender, Not Deliverable as Addressed, Unable to forward. See attached.
XX/XX/XXXX ( Sunday ) : I received a text from Comenity, they were trying to reach me ; I thought it was a scam and decided to call them using a phone number I identified as being Comenity, on a regular business day to verify.
XX/XX/XXXX ( Monday ) : I called Comenity who stated they did not receive my XX/XX/XXXX payment. Per Comenitys associate I now owed {$640.00}, he dropped all fees ( late and interest charges ). {$640.00} was correct. I immediately wrote the check in the full amount ( check number XXXX ) and had it at the post office within the hour.
XX/XX/XXXX : Received the XX/XX/XXXX bill payment envelope back from the post office, see above.
XX/XX/XXXX ( Sunday ) : I spoke to Comenity associate, XXXX and stated I received the {$290.00} bill/envelope back from the post office, it had been returned to me unopened and I believed there was a problem with Comenitys mailing address. I explained in detail what had happened and she stated the address was correct.
XX/XX/XXXX : According to my bank, check number XXXX cleared for the full amount, {$640.00}. This was before the typical monthly due date, the XXXX of the month. Payment was not late.
XX/XX/XXXX : I spoke to Comenity, the {$640.00} was received on XX/XX/XXXX. Per the associate, there was {$0.00} due on the account. I cancelled the Comenity BJs card at that moment.
XX/XX/XXXX : I received a letter stating, excerpt : Your current balance is {$0.00}, and you will continue to receive monthly billing statements until any balance is paid in full. See attached.
XX/XX/XXXX ( Saturday ) : Received a bill for {$5.00} ( marked interest charge on purchases. ) Note : No purchases were made since XX/XX/XXXX.
XX/XX/XXXX ( Monday ) : Spoke to Comenity representative XXXX. He was to zero out the charges.
XX/XX/XXXX : Received a bill for {$13.00} ( {$5.00} previous balance, {$5.00} new late fee, {$2.00} interest charge ).
Should you need any documentation, I can provide it.
I have tried to resolve this myself, without any luck, can you help? As I keep trying to resolve this with Comenity representatives the interest and late fees keep adding up and they do not do what they tell me on the phone. I can not get free of Comenity.
XXXX
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
11/07/2023
Yes
Checking or savings account
Other banking product or service
Problem with a lender or other company charging your account
Transaction was not authorized
IL
60056
Web
I would like to submit a complaint against : XXXX and Comenity Capital Bank ( which is part of Bread Financial ) to remove the additional interest they are trying to charge : {$490.00}, as I only agree to pay the remaining of the balance : {$840.00} ( {$1200.00} [ total purchase price ] - {$370.00} [ I already paid ] ).
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 On XX/XX/XXXX I have purchased a computer from XXXX for {$1200.00} on credit/loan with XXXX XXXX XXXX ( simply to improve my credit score ). I have signed up for a {$150.00} fixed payment amount each month and got a confirmation over an email. With auto-pay setup - I assumed it will be paid on time and I honestly do not recall such outrageous " deal '' where if the loan is not paid in 1 year - all the interest from that year will be charged at once.
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 This seems like intentional fraud where auto-pay system is either not working or they changed it to minimal payment amounts so that it would run over 1 year, so that I end up owning them all this interest, not to mention- they hide these outrageous conditions on the 3rd page of the statement, written with small blue hard to see letters. I do not recall such conditions when I was purchasing the computer.
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 Statement from Spring XXXX ( this is all I got and yes it shows minimum payment due, not the auto-pay amount I setup, so I was under assumption the auto-pay system would charge my account $ 150 monthly ) XXXX XXXX XXXX XXXX
- Same XXXX XXXX downloaded this Fall, XXXX ( now it shows all the details, including the conditions on 3rd page, small blue letters ) : 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 I decline to pay all this interest ( {$490.00} ) as this is obviously made to trick people/rip them off.
1 ) I have setup {$150.00} fixed monthly payment and got a confirmation, which they either changed without my consent or something was broken in their system and this is not my fault : XXXX XXXX XXXXXXXX 2 ) I do not recall such outrageous conditions, they never appear on the very first statement from XXXX XXXX XXXX XXXX After all, these conditions don't matter much as with the {$150.00} fixed payment I have setup initially - I would not be in this situation in the first place.
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 Please assist. Such companies/banks should not exist and people who run them should be in jail.
10/15/2023
Yes
Credit card
Store credit card
Fees or interest
Problem with fees
CA
936XX
Web
I have had a XXXX card for many years. Five years ago I moved to a new address. I have received my XXXX statement at this new address several times since my move. I pay my card off often, so will go for months without a statement. Due to being out of work for a year, I hadn't made any purchases on this card until just this last summer when I had a job interview. I made a purchase at a store and put it on the XXXX card ( Comenity Bank ) I waited several weeks for the bill. When I attempted to sign in to my account, multiple times, I could not ( I was told when I called their site had changed ). I called and was told a bill was mailed out and now I had a late charge. I said I never received a bill and could not pay online. They removed the late fee and I paid {$30.00} toward the charge. Upon investigation, she said the bill was sent to my old address. I was shocked. I hadnt lived at that address for 5 years, requested no address change and the abusive husband, who has been suing me for divorce in a very long and nasty lawsuit lives at that address, now has a new card and the statement!
I asked for the card to be canceled, though I still had a balance and for a new statement to be sent.
I still did not have a card number, no access to online payments or no idea when the bill was due ( except knowledge of generally when I paid before ). Three weeks later, still no card or statement had been sent.
I called again to see what the problem was. Before speaking to XXXX agent, the recording told me my balance and it was the same as before, as if Id never paid the {$30.00} payment. I asked about this and was told I was charged another late fee!
I explained what happened before, with the statement being sent to the old address, how my credit was compromised by Comenity and she refused to remove the late fee and interest charges. I was so upset.
She gave me an address to write my complaint. I again asked for a statement to be sent. To this day I still have not ever received the original statement. I only received one statement with the late fee and interest charges. I paid the rest of the balance that day, minus the late fee. I also asked to speak to a supervisor.
The supervisor, by the way told me that my statement had never been sent to the old address, which is a lie, because the day I was told this the XXXX agent read off that address verbatim. How would she have known that?
I have sent a letter to the Corporate office asking them to remove all the late fees and interest. However, in the meantime I am going to have to pay, because my one statement Ive received says minimum payment {$27.00}, or they will charge ANOTHER late fee.
I feel like I am caught in a scam.
In the meantime, I did get a job and went shopping for clothes at XXXX XXXX and got talked in to the card for a substantial savings off my purchase. It turned out to be the same bank. I should have known better, they are owned by the same company. When I went to pay THAT bill online two days before the due date, the site was under maintenance! I tried again over the next two days and the same thing. I finally called and was able to pay it at 6 pm on the due date. I paid my bill in full. Wouldnt you know, they charged me a late fee? It was supposed to be paid by 6 pm Eastern time, while their entire site is under maintenance. Something is very fishy at Comenity.
I have canceled both cards. I am also writing XXXX XXXX and telling them I will no longer shop in their stores. I do not know if they own this bank, but they are affiliated. Please help me make this right.
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.
04/14/2022
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
TX
750XX
Web
XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx, XXXX XXXX XXXX XXXX Comenity XXXX XXXX XXXX : Billing Inquiries XXXX XXXX XXXX, XXXX XXXX OH, XXXX Re : Notice of disputed charge to Account No. XXXX Dear Customer Service, Billing Inquiries Department or Who it may concern.
I am writing to dispute a charge of {$400.00} to my XXXX credit account for my billing period for the month of XXXX. The charge is in error because of the following : As you can check and review in my account I opened this account on XXXX XX/XX/22 and since my first billing I have been paying on time until current days, and following my habit of always paying on time for the month of XXXX I logged into my account and I paid the amount that I owed for the current month that was {$190.00} and I made that payment on XX/XX/22 with this I did my obligation and my status of my payment should be current, now for the month of XXXX XXXX receiving my XXXX statement and I have been charge again the month of XXXX ( I already paid on XX/XX/XXXX ) and also I have been charge the amount of {$30.00} for late payment and now I owe {$400.00}, which include : {$190.00} for XXXX {$30.00} late payment penalty and {$190.00} for the current month XXXX, when I received the email with the statement I proceed to call customer service ( on XX/XX/XXXX ) ( XXXX ) and I spoke with XXXX XXXX Agent number XXXX, and I explained my situation and he gave me as answer that the reason I have been charge and considered late is because the system took the payment I made on XX/XX/XXXX as an extra payment ( thing that doesnt make sense even tho whatever theory or math you do to decide that, because I paid on time ) because the statement closing date of XXXX is XX/XX/XXXX and due date is XX/XX/22 and and now the closing date for XXXX is XX/XX/22 and the due date is XX/XX/22 and the day XXXX writing this letter is XX/XX/XXXX ( which means XXXX current on my payments and on time ). After going with him since my XXXX statement and he noticed that he doesnt have the reason he hang up the phone call, and I recorded the whole conversation as proof that I can send at any time if you need it, the point of my claim is that if your system made a mistake and took my payment as an extra payment or according to your customer service representative if the closing date which means according to him is not on time, the most logical is that you fix that system error and XXXX ) remove {$30.00} dollar late payment penalty fee, XXXX ) the payment that I made on XX/XX/XXXX put it on that monthly payment and XXXX ) only charge me the {$190.00} instead of {$400.00} for the month of XXXX that XXXXm more than happy to pay and continue paying until my maturity date. I dont think that Im asking you to bring me the moon or put the fire off from the sun, I have been an on-time customer and I dont deserve the treatment received by your agent, policies, or system.
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Enclosed are copies of [ describe any enclosed information, like sales slips, payment records, or documentation of shipment or delivery dates ] supporting my position and experience. Please correct the error on my account promptly.
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Account Summary, Transaction, and Statements, Scheduled payment confirmation email, schedule co [ List the documents you are enclosing. Send copies, of XXXX, XXXX, and XXXX statements.
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.
06/20/2023
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
60619
Web
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection 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 that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 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 legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail 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 file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Regards,
01/28/2023
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
NY
127XX
Web
I opened an account with XXXX XXXX XXXX under Comenity Bank. I have had many issues with the company and decided to close my account after having not received my bill and becoming XXXX month behind on my payment. When I called to pay off the account I had a few issues as well. At that time my balance was about {$6000.00}. I couldn't schedule a payment online for this amount because it was too high ( this is what the representative told me ). I only wanted to pay off the account but since I was XXXX month past due they offered to settle the account. I agreed and we scheduled XXXX payments for approximately {$1900.00} each. I was told after this I wouldn't owe anything. After the payments came out my statement showed a balance of {$120.00}. I called a few times about this and the company could not resolve.
Then I received a statement around XX/XX/XXXX stating I'd received a credit to my account for {$2200.00}. I called at that time to inquire about a refund. The refund was from XXXX XXXX because they billed us for services ahead of time and we did not go through with the procedure. I was unaware at the time I paid off the account that XXXX would be refunding us and that the refund would go to the credit card. When I called the representative was confused as to where the refund came from but requested a check be sent to us anyway and said this could take XXXX weeks and then XXXX days from then for the check to come.
I gave them about a month before calling again to inquire. I called back on XX/XX/XXXX at XXXX and spoke with XXXX XXXX ID # XXXX and he stated the refund request was still pending and he could not do anything to change that. I requested a supervisor and he told me he would not transfer me to XXXX.
I waited another month and called again on XX/XX/XXXX at XXXX. I demanded a supervisor and was connected to someone at Comenity Bank. I spoke with XXXX XXXX who said the refund was stuck and she had to look into it. She said she'd call me back rather than me wait on hold and she'd be calling from a XXXX number. I never received a call back.
On XX/XX/XXXX I called again at XXXX. I spoke with XXXX a Comenity Bank SR Specialist who requested for XXXX to call me back.
After still no return call my husband went to XXXX XXXX for a check up on XX/XX/XXXX and I spoke with a staff member there who called XXXX XXXX on our behalf. I spoke through their phone to XXXX ID # XXXX who said he was with Comenity Bank. XXXX advised me my refund was about to be sent to the state as unclaimed money since they hadn't heard from me. He said he was making sure it wouldn't be sent to the state but that a check would be sent to me. He said I'd receive a check in XXXX days. He said to call back in XXXX days to make sure the check was sent due to the issues I was having.
I called back on XX/XX/XXXX at XXXX and spoke with XXXX from Comenity Bank . XXXX told me she had to transfer me to customer care and did. My call was disconnected.
I called again at XXXX and spoke with XXXX from Comenity Bank . He said again I had to be transfered to customer care and provided a number to call of XXXX.
I called this number and spoke with XXXX with XXXX XXXX. She was unable to answer any questions I asked including what the status of my refund was and left me on hold for over XXXX minutes.
I've received statements dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all showing a credit balance of {$2100.00}. I have yet to receive a check for the money I paid. I would like resolution to this.
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.
11/25/2022
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
FL
33936
Web
Servicemember
On XXXX I opened an account with XXXX XXXX in order to receive an in-store discount promotion. The total was about {$240.00}. On XXXX XXXX XXXX I paid the entire balance that was owed on this account. However, on XXXX after I made the payment, Comenity placed an interest charge of about {$5.00} on the account. I received no notice or statements about this until mid-XXXX XXXX Comenitys telephone and web services were interrupted during this time, and they notified customers that any late fees that were accumulated during that time would be waived. Due to this service interruption, I wasnt able to speak to anyone from the company until on or about XX/XX/. I explained that the entire balance had been paid off and that I received a finance charge after I paid and was not notified until they started adding excessive late fees, service charges and other finance charges to the {$5.00} charge, and that their call center and online service center said they would remove the late fees if they were charged. The lady said that she would remove the charges, and did so, bringing my account to a {$0.00} balance. However, as they did previously, they reversed a {$7.00} charge from that correction AFTER I spoke to them, and did not provide a reason for why, nor did they notify me. They reversed the charges the next day after I called them, no reason was given. I was not made aware of the new charges until after I was impacted by Hurricane Ian on XXXX I called Comenity after, in XXXX XXXX asking them why I owed them all this money when I paid everything off in XXXX XXXX XXXX and why did they reverse the charges after I spoke to them in XX/XX/. The representative was not able to provide an answer, only stating that I owed the money. I requested to file a dispute and informed them that I would be filing disputes with my credit bureau agencies. I disputed twice with XXXX and XXXX, and they are both reporting the wrong information from Comenity. To make matters worse, Comenity stated that when I opened the dispute with them, they would stop calling, texting, and attempting to collect the debt during the investigation period, which could take 30-60 days. However, Comenity has continued to call me and text me, and attempting to make me pay over {$100.00} for a supposed {$5.00} fee they charged me for and never provided documentation. Whenever their customer service reps call and I remind them that Comenity has ( supposedly ) opened a dispute, they say, Oh yeah, I see it here, sorry for the call. ( Why would Comenity reps continue to call, harrass and text me if were supposed to be in the midst of an investigation? ) As of the date of filing this complaint, Comenity has not provided any documentation that they are disputing the matter to me, no progress, updates or results. They have continued to report that I owe them $ XXXX all of which are made up charges, late fees, and finance charges. I paid this card off, and they have been destroying my credit and my life over {$5.00} they had already waived, and this is fraudulent, stressful as a Hurricane victim to deal with this company, and deceptive and wrong to say I owe them over {$100.00} when I have NEVER USED the card since I opened it in XX/XX/! Please learn from this - screenshot everything, even if its paid off, because any company, especially Comenity/Childrens Place , will reverse it in hope that they will exploit the fear of destroying your credit, in order to make you pay them for fees and charges you never owed.
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
330XX
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?
11/26/2022
Yes
Debt collection
I do not know
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
NY
11432
Web
On XXXX XX/XX/2022, I went to forever 21 at XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX, which is in XXXX XXXX XXXX. Forever 21 issued me a forever 21 credit card without my knowledge, which I didn't want. As I went for billing, they kept on insisting to get a membership account which I denied specifically. Then they told me that I will get 40 % discount if I get a membership and didn't mention that it was a credit card. They asked me for my Name, Phone Number and Email id to get just a membership which will avail me 40 % discount on my current purchase and 20 % discount on thereafter purchases. They did not accept my card at that moment and asked me to pay the outstanding bill via account which they created with my above mentioned information. They specifically told me that it is not possible to complete the payment today and I have 30 days to do the payment via account. They told me that I will receive an email and a bill for this purchase on which I will have to do the payment. Once I reached home I tried to do the payment through the forever 21 website but there was no place where I could find the same. So, I called forever 21 customer care and they told me that I was given forever 21 visa credit card membership and provided me with the information of the credit card portal for payment. I was told that I will be able to do the payment once I receive the bill. I received the bill in the XXXX week of XXXX via mail and I did not receive any email of the bill. After receiving the bill, I tried to login and pay the bill but I still hadn't received the login credentials so I called the forever 21 customer care, they diverted me to finance department and then I told them that I have a bill but I don't have any login credentials, the finance department told me that the bill has a number in the bottom which is my account number. Then they asked me to login with that account number and last four digit of my SSN but it didn't work and till date I am not able to login. As a matter of fact, I still haven't received a credit card from them. I have called them many times for not receiving any credit card but they said that I will receive it soon which I never did. I only received a bill. I tried many times to complete the payment but to login I didn't receive any login credentials. I tried too many times but it was not logging in. Then I again called customer care and had a chat with them that due to this technical error, that I am not able to login, I am unable to do the payment. There was a option to pay online in the customer care of the credit card department call. They asked for all of my debit card detail as they did not accept credit cards for the payment, which I provided, and finally the payment was complete but did not receive any email of the same. I called them many times to shut the credit card but to no avail. Then after two months I started receiving calls from a COMENITY BANK stating that I have late fees on the credit card for two months and they started mentally harassing me for the same. They would not listen to me and start yelling on the call saying that I owe them money. They give me warnings on phone stating they have my SSN and they will take action against me and there will be consequences. I called the forever 21 customer care for the same but they said that it is not there area of concern and I will have to deal with this bank myself. From last month they have been calling me continuously from different numbers and harassing me.
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.
02/10/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
FL
XXXXX
Web
Servicemember
I I Received a call from XXXX Comenity bank at XXXX XXXX on XX/XX/XXXX and was informed I owe a total of {$120.00} due to a CHECK not valid for my payment on XX/XX/XXXX. However the Representative states she was not aware of why the check was return and I ask her specifically is the checking amount showing returned as that would be impossible as I have a total of $ XXXX in that account and I have a perfect credit score reporting ( never been late with XXXX XXXX for XXXX months and never a return payment ) the rep insisted she does not see why the check was not processed and she processed a payment on file in the amount of {$120.00} she states thats the past due ( however they received a payment on XX/XX/XXXX which they did not apply until XX/XX/XXXX ) from my checking account XXXX ending XXXX, that process was done at XXXX XXXX before the cut of time listed for XXXX eastern standard time. I contacted my bank who informed me that no payment was presented to them in the amount of {$63.00} for account XXXX.
XXXX XXXX I was alerted from the XXXX credit bureau that my score has dropped XXXX points due to a XXXX day report from XXXX Comenity Bank for late nonpayment, I contacted them at XXXX spoke with a nasty rep who yelled and accuse me of lying XXXX XXXX XXXX I requested a supervisor who also came on the phone angry and told me she could not help me that is my problem and write the address on the back of my card and that I was late and thats it!! I was treated like XXXX I was advised By another rep that my XXXX payment paid on XX/XX/XXXX in the amount of XXXX was posted and deemed late in their system as XX/XX/XXXX in which this is a pattern of them posting the payments after cut off time even when received before the cut off time too be able to bill late fee even when automatic payment scheduled for minimum payment is scheduled prior to the bill due date. XXXX Comenity bank is who is the XXXX that determine the minimum due date for the customer when we select automatic payment for whatever the due date is and at no time did the web portal state that a payment of {$120.00} is due ( when I look at my XXXX upcoming statement a XXXX is due not for XXXX as I have enclosed ). As you can see the billing statement due date for the {$120.00} is due XXXX XXXX so how would I be made aware that {$58.00} paid on XX/XX/XXXX is incorrect? I was never emailed called or messaged via web portal WHICH THAT IS THE COMMUNICATION OFFERED AND CHOSEN ON THE CREDIT APP, Was never made aware prior to XX/XX/XXXX at XXXX via call that return check was received prior to them sending my account information to the credit bureau .
The comenity system was also down in XX/XX/XXXX and not process the automatic payment that I have had scheduled for the last XXXX months, the rep informed she would wave XXXX late fee on XX/XX/XXXX and payment of XXXX brought me up to date.
I am not XXXX XXXX or XXXX days late as they have advised the credit bureau and nobody in the manager exculpation team can assist they state they see XXXX late on XX/XX/XXXX even their own system app is showing traction done on XX/XX/XXXX in which still no return check or late fee was listed due In the minimum payment guidelines. So how can a customer willingly know they owe more if the web portal tell me what I need to pay to be current?
I have included proof of payments proof of statement minimum due and that I willfully paid my bill with the information the card issuer advised me.
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
103XX
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
08/31/2023
Yes
Credit 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
43551
Web
In XXXX, I received my Comenity Loft Mastercard statement ( Parent company is Bread Financial ). It has over {$5000.00} worth of fraudulent charges across multiple states. I immediately called and reported the fraud. We went line by line through the charges to ensure they removed the ones that were not made by me.
On XX/XX/XXXX, I received a letter that my fraud dispute for the case was not supported. The letter said, we can find no basis to support this claim. That is the only information I received on why it was denied. They then put {$3500.00} of the fraudulent charges back on my card along with interest. It also took me over my credit limit and I received charges for that as well. I now have over {$250.00} worth of monthly interest charges, credit limit charges and my minimum payment is over {$500.00} - all very unaffordable.
When I received the letter, I immediately called the XXXX number on the letter to talk to Comenity. The first person I talked to told me " I needed to take accountability '' for my actions. I told her I was not in XXXX, Texas in XXXX and had proof to show I was in Ohio ( where I live ) during that time. The proof included debit card receipts at restaurants, grocery stores, the vet ( my cat was XXXX at the time of XXXX ) and a haircut appointment. She then told me my claim was denied because I have stayed in that chain of hotels before. This was absurd because I travel a lot for work and people stay in hotel chains. She suggested I mail a selfie that was timestamped that showed where I was during those times and then we were disconnected. I called back and talked to a new Comenity fraud rep. She told me she was reopening the case because there was a plane ticket to Texas not in my name and she was confused on why my case was denied. At this point, I was on the phone for over XXXX hours. I asked if she needed any evidence and she said no and they would mail me a letter in XXXX weeks with an update. I never received a letter.
On XX/XX/XXXX I called back for an update. This gentleman said nothing had happened thus far with my reopened case and I told him I had evidence, receipts, witnesses, stores, salons that could prove I was in Ohio and not Texas. He told me to email it to their Fraudulent Case email address. I sent a XXXX document with pictures, my banking statements and witness ' phone numbers. I never heard back and did not receive the letter they promised.
On Friday, XX/XX/XXXX, I called back again and asked for another update. They said they could not tell whether or not the evidence I emailed over was looked at and she could not give me an update. She asked if I knew someone name Blessing and I said no. She said that was the name on the ticket that was purchased to go to Texas. She told me she had no other information to share but she would add a note that I did not know a " Blessing '' and for them to look at the evidence. She said another letter would come to me in 14 days.
This has been ongoing since XXXX and I received another statement today with an absorbent amount of charges - back charges from XXXX with interest, credit limit fees and a minimum payment I currently can not afford since I just moved. I don't know what to do anymore because I have proof I was not in Texas and would like my charges erased but I feel helpless and ignored. I probably have spent XXXX hours on the phone with them with no conclusions, as well as time going through receipts, calendars and witnesses.
04/22/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Credit monitoring or identity theft protection services
Billing dispute for services
TX
77535
Web
I am being hacked by someone who has at times sent phones to our home impersonating our carrier XXXX XXXX XXXX and XXXX XXXX. So I can not make a complaint by way of my phone. If I call any of my credit cards hackers retreive the call. I can not get any help. This has gone on for 10 years. I have made multiple reports but now believe they have never made it to you because there is also an unwanted and illegal dual sim on our phones. My complaint is someone or the hackers are using my cards, in this instance its a charge of XXXX XXXX which has been charged to all of my cards but I will address this one today. I am not sure why they do this but it is my belief is so I will call the new card number in. I believe there are multiple cards issued in my name. My mother wrote 2 different checks to pay the bill to 2 different addresses because we dont know if the address has been changed on my XXXX bill or the credit cards check cashing center is the issue. My mother put XXXX which is the last 4 digits of the card on both checks. one came back with the original account number XXXX and this is 3 or 4 cards later. This is what my mom suspected. So, my original account is active but I was told the XXXX is active and XXXX was reported stolen, which it was not. Each time they send me a new card and I call in to hear there was fraud so we sent you a new one. That is not the case. I believe someone at Comenity Capital Bank is issuing cards because we all receive cards from that bank unwanted. So we of course have to give the real numbers all of them to cancel. There has to be someone working on the inside to scratch out wrong digits on the bottom and put new ones. So we added to the memo on the check no scratch outs or changes or its void. Sometimes my card gets blocked for no apparent reason or my statements are held up.Definite tampering. I did not charge XXXX XXXX. I have asked them to forbid XXXX to charge, yet it happens.These people are foreigners, XXXX they say. There are chickens crowing in the background and children playing. I can not get text to my phone for fraud alerts or notice for billing dates. There are many changes to all our phones. Even XXXX said someone offered thousands to get into our account. I am really tired of this I have a credit freeze leter and pin on the bureau but I am suspicious its not there. Please tell them no more XXXX ever and stop blocking my card. Its not blocked now but if I charge on it online elsewhere they get mad and block it.I cant do any charges on my phone because all cards get stolen. We are positive someone has to be working in one of these cash checking centers or my mail is routed to someone in XXXX Arizona I believe. I need a real billing address and bureau address so I dont have to write you. My mom discovered the bureau addresses on her report are wrong and they are just copies that have been altered in every way. This bureau really needs to investigate Comenity Capital or send me information so that I can contact someone who cares, not phone numbers but addresses because I have found the addresses I am searching for on my all of our phones to be fake and we get zero response back or returned mail. The addresses lead to lease buildings or for sale buildings. They are a criminal ring that has cost us thousands, But I should have only 1 XXXX account under my social XXXX XXXX XXXX XXXX.The XXXX is an outdated version and my IMEI changes after the sim is activated. I have 2 of them.
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
941XX
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.
07/03/2023
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
75204
Web
This is a formal complaint that COMENITYCB/FOREVER21 are reporting inaccurate and incomplete credit information. This is in direct violation of 15 US code 6801 as well as 15 US code 6802. COMENITYCB/FOREVER21 has not contacted me in any way informing me that they would share personal information with a third party. I do not want any personal information shared with COMENITYCB. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, 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. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : - COMENITYCB unkown amount as all three bureaus are reporting different balances. I request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my wet signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquiries over 30 days old.Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I am also seeking compensation on this matter for COMENITYCB violation of my consumer rights. I would be willing to settle out of court for half the amount that I am owed for such violation. If there is no payment made. I would like to take this matter to the courts to sue COMENITYCB for these violations. Thank you
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.
03/01/2023
Yes
Checking or savings account
CD (Certificate of Deposit)
Managing an account
Problem with renewal
WA
98011
Web
Older American, Servicemember
On XX/XX/XXXX my husband and I signed up as joint tenants for a 2-year CD with Comenity Bank XXXX which had a maturity date of XXXX.
We were not notified that the Bank had changed to " Bread XXXX '' during this period, but more importantly we were not notified by the bank that the maturity date was approaching ( as the FAQ 's on their website indicate you will be ). We were also not notified that the CD had been renewed without our knowledge or consent.
As we were gathering XXXX tax info, we noticed that the CD had matured. We immediately tried to contact what is now " XXXX XXXX. '' On XX/XX/XXXX we attempted numerous times to access our account on-line, however we received the message that our account was " Dormant. '' On the XXXX we were also unable to access our account, or to reach Bread.
We continued trying to reach Bread on-line and by telephone on Monday, XX/XX/XXXX, and after many problems with their technology ( it didn't recognize dialer selections from our cell phones ; it only sent reset codes to the landline that we were calling from ( which of course doesn't receive text messages ; etc ), we were finally connected to a customer service representative.
As mentioned, my husband and I hold the account jointly. I ( the wife ) made the call, as my XXXX husband was recovering from a cardiac procedure. Unfortunately, the representative said that he was only able to discuss the matter with " the man on the account. '' After explaining that I was jointly on the account, and that my husband was ill, the representative continued to insist that he was unable to discuss the matter with me. Ultimately, I brought my husband to the phone. We requested that our funds be returned, as the CD had just matured ; we had started our attempt to receive the funds prior to the 10-day grace period ; because we received no notice that the funds were maturing ; because our account stated that it was " Dormant ; '' and because we were unable to access the account.
We were told that the CD had been renewed, even though the account stated that it was Dormant. The representative walked us through getting access to the account, and changing the telephone number that text verification messages were sent to, but he was unable to accomplish either task.
Still unable to access our account, we called back later that day, the afternoon of XX/XX/XXXX. We were able to connect to a customer service representative that was able to get us access to our account, and to change the phone number to one that would work for text verifications. She also indicated that the CD had matured and been renewed. Despite offering a 1-year CD at 4.75 %, Bread opted to renew our CD for 2-years, at the lower rate of 4.5 %. All of our additional requests ( we want our money returned ; we dont want to pay a {$600.00} penalty given the circumstances ; we at a minimum want a written document that shows we have a XXXX, along with the amount, term, and interest rate ) were met with Im sorry Im unable to help you. Over and over and over.
At this point we still have no documentation of the new CD, and the latest notice that exists on-line is the CD that matured on XXXX XXXX XXXX.
We are deeply concerned about the honesty, viability, and competence of this organization. After reading reviews on-line about similar situations, we are very concerned that we will be unable to get our money returned to us in 2 years if we leave it with the organization.
01/02/2020
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Charged fees or interest you didn't expect
FL
342XX
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.
01/13/2023
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
PA
150XX
Web
On XXXX I called Comenity to let them know that I was being financially affected by a severe downturn in the mortgage industry in which I work and asked about any relief programs they had to help me make by payments to them I was offered a long term workout program that would close my account, set the interest rate to XXXX and waive any late fees and interest charges for a 5 year period. My payment would my present balance on the card amortized over 60 months at an interest rate of 0 %. I have two accounts with Comenity - a Comenity XXXX and a XXXX XXXX account. I was told I had to enroll both accounts as their policy is if you enroll XXXX account, you must enroll all accounts with the bank I accepted and went through a telephone enrollment for both accounts. I paid a start up fee and was notified of a new reduced payment I would then need to make by the dues date every month Since enrolling in the program, I have paid the monthly payments I was told a few days before the due date every month.
Around XXXX or XXXX I started to receive collection calls for the XXXX XXXX account. I also noticed that I was still being charged late fees and interest. When I spoke with representatives at Comenity 's XXXX XXXX division they told me that there was a system upgrade at XXXX XXXX that had erroneously failed to enroll some people into the hardship program but they would note the file to be investigated and resolved and I should continue to make the payments quoted by the long term workout department when I initially enrolled They informed me that the Comenity XXXX was unaffected and had been successfully enrolled and reiterated their policy of enrolling all accounts when one account was enrolled so the fact that the Comity XXXX had been enrolled was further evidence that the failure to enroll the XXXX XXXX account was simply an error on their part. They told me to wait 30 days for the account to be corrected before calling back in Since then I've called ComenityXXXX XXXX about once a month and spent probably XXXX hours on the phone with them. I've talked to at least a dozen front line employees and half dozen supervisors They all seem to be able to see the problem but are powerless to change anything. I'm always told they are sending it to their back office for investigation but nothing ever comes from it. Or I'm told they requested correction and to call back in a few days but when I do I'm on the phone for an hour explaining my problem to someone who tells we the same thing When I initially enrolled by balance on the XXXX XXXX card was {$2200.00}. I have not charges anything to the card. I was to receive credit for two months late fee of {$41.00} each for making 4 on time payments, which I have. I have made {$220.00} worth of payments since then. My balance should be ( XXXX - XXXX - XXXX ) {$1900.00}, yet the last statement received says I owe {$2400.00} - a difference attributed to the late fees and interest they have been charging my account in error To further add insult to injury, Comenity/XXXX XXXX has started to report my account past due to the credit bureaus. This has impacted my credit score and resulted in adverse action taken by other creditors as well as an increase in the amount I have to pay for my car and renters insurance I have made numerous calls, spent hours of my time speaking to Comenity/XXXX XXXX and have been unable to resolve this. Please help me to have this resolved
12/26/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CO
80831
Web
I made a purchase at Jared using their Comenity Credit card back in XXXX. It was a 6 month promotional purchase. I made XXXX {$100.00} payments XXXX in XXXX and XXXX in XXXX. At the end of XXXX I made a large purchase. My XXXX statement came to me on XX/XX/XXXX with ONLY the 6 month promotion showing on it with ONLY a payment due for that promotion. I then made a {$250.00} payment. The bank decided to allocate only {$30.00} to the 6 month promotion and the other {$220.00} to the large promotion even though nothing was even due in that promotion at the time of my payment. This is what started the downward spiral on my account. I made {$250.00} payments for both XXXX and XXXX. The min payment due on the large purchase was {$120.00} so the {$120.00} should have gone to the 6 month promotion and technically the 6 month promotion should have been paid off then. I called when I got my statement for XXXX showing I still had a significant balance. It was at that time it was discovered that payments were not allocated properly. Apparently the consumer needs to call in every month to assure how their payment gets allocated otherwise Comenity applies the payment in any way they see fit. So ... In XXXX I made a {$270.00} payment that should have paid off that 6 month promotion again. With what ever they were doing on the back end it apparently wasnt enough to pay it off so qe move to XXXX where i made a {$600.00} payment which MORE than paid it off. But then i get my XXXX statement and the 6 month promotion shows I owe still XXXX. I bit my tongue and decided to just pay it. I made a {$150.00} in XXXX. As soon as the payment posted I called in to assure that the payment was allocated properly. I wanted {$4.00} to go to the 6 month promotion so it would be paid off and the rest {$140.00} to the large purchase. I was assured they allocated it properly. I just got my XXXX statement and the statement shows my payment of {$150.00} being credited off as {$4.00} to the 6 month promotion and {$140.00} to the large promotion BUT then they decided to charge me " purchases '' in the amount of {$4.00} on the 6 month promotion and {$140.00} to the large purchase. Making it basically appear that I didnt even make a payment. Then they charged me XXXX cents of interest in the 6 month promotion giving me now a balance of XXXX and they charged interest on the large promotion for a higher balance than what should have been charged on. I called on XX/XX/XXXX to get it fixed and they guy ended up hanging up on me and never called back despite asking for a call back number. I called today, XX/XX/XXXX because I wanted to get this fixed and when I logged into my account, the person I had spoken to on the XXXX ADDED an additonal XXXX back into the 6 month promotion this giving me now a balance of XXXX. The person I spoke to l, XXXX, indicated he was going to fix this and I would see the corrections within 48 hours. What they are doing in my eyes is illegal. They have charged me way more that what I should have been charged. Their practices are NOT ethical in anyway and I am to the point where I want to return my purchases, have my account credited for the amounts and close my account and never doing business with them again. This needs to be corrected somehow. I cant imagine how many people they are doing this too who dont know it is happening.
Thank you I look forward to hearing from you regarding this matter XXXX XXXX
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.
04/27/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OH
44240
Web
LETTER TO COMENITY ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ) -- written XX/XX/XXXX : Re : ( Every-changing ) Late Fee Cut Off Times To Whom It May Concern : I am writing you today to express my frustration with your cut-off time policies and web site login pages.
My life pre-covid, was also financially strained, and during that time, I was deeply grateful for the credit that you had accorded me through your brands XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I worked to try and cover those payments without late fees as best I could.
I am a single mom with full custody. Before the lockdowns, I already had a lot to juggle, and would always find myself, late in the evening, during a few moments of calm and silence, sitting down to pay bills. This is always a last minute thing as gig work doesnt usually receive a set salary on a set date. With the XXXX lockdowns I found myself navigating more than ever before, with the kids remote learning or on awkward learning schedules, my own work schedule destroyed, clients not paying, many things falling through or being on hold, my unemployment benefits inexplicably rescinded ( still working through that ). During this time, I still found my evening time to see how much I could pull together to pay bills.
That is when your company began what feels like an insidious campaign to crush debtors with late fees with your constantly changing cutoff times. I believe when I received my first cards with you, the time was XXXX. From there XXXX, then during the pandemic when Ive had less time than ever before, it became XXXX, and now XXXX? And for what reason? In a 24h world of moving money online, what could possibly be the explanation of changing your cut-off times ( OR EVEN HAVING THEM )? Not to mention that your apps have zero payment integration, and when redirected to another site, the loading and waiting is heavy and long. Or the fact that I cant receive any text/email reminders about payment due.
Of course, I wish I could single handedly organize everything in my life, so that my expense account could easily accommodate my various payments, and that I could pay them a week or two in advance, as any good card holder should. But then, if that were the case, I probably wouldnt actually use or even need any credit cards, right?
So now, to my horror, a simple XXXX XXXX transaction of {$69.00} has incurred over {$130.00} in late charges. If you were to check my login times, sometimes its a matter of seconds after the cut-off time. And this is what is most painful for me. Certainly if I simply forgot, or just dont have the money, sure, I deserve the late fee ( yet one so egregiously high -- I don't think so ). But attempting to pay, and missing the time, because I needed to pull over, my internet is being too slow ( like today, when your took XXXX minutes to load ), etc. is excruciating.
I havent used my XXXX XXXX card since this summer, and hope to never use it again.
Regarding the online logins : not only is my account *never* found on the date that the bill is due -- even after answering security questions -- my name has been changed to all caps. This tactic feels as though it is a conscious effort to make me late, as I have to wait for a confirmation email and set up the login all over again. All three accounts I have with you behave exactly the same. The fact that I can't even pay my card on the store app simply blows my mind.
11/12/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Privacy issues
MI
486XX
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
XXXXX
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
926XX
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
310XX
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.
04/02/2023
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
AZ
85249
Web
10+ years ago, I opened an NFL Extra Points branded credit card with the very reputable XXXXXXXX XXXX XXXX Initially, I used the card much more frequently, but in recent years I rarely make use of it. Annually, there was a single small recurring charge - I assumed it to be an annual fee. Upon opening the account, I established automatic bill payment, so it was always immediately paid off.
Sometime in XXXX, this particular portfolio of cards was purchased, unbeknownst to me, by Comenity Bank. One annoying trait of XXXX was their propensity to send me wholly unsolicited, repeated mailers containing enticements to take advantage of their convenience check/balance transfer offerings. The frequency with which I would receive these letters, in tandem with the decade-long stasis produced by the automatic payment system, meant that I increasingly normalized delayed reading/reviews of any mail received for this card.
On XX/XX/XXXX, I received a suspect voicemail from a XXXX XXXX phone number I did not recognize. The voicemail informed me that they would like me to return their call regarding some undisclosed item of business. Living in an age of constant phishing scams, I resisted immediately returning the call and instead made a note to look at any mail I'd received from the company that might give credence to the call.
A week or so later, I opened a letter and saw that there was a, purportedly overdue, outstanding balance. I immediately called to find out what was happening. When I called in, I was sent to their collections division. The woman answering the call was extremely rude. I eventually was able to find out that the credit line had been sold to Comenity and that a small recurring subscription fee- under {$90.00} - had been charged to the account.
When I questioned why it wasn't simply paid automatically, the woman - again - became very rude with me. My response - given the frustration and surprise of the situation- was to respond with a similar level of rudenessher response was to literally scream at me and then hang up.
I tried to call back on two separate occasions in order to address the situation. Each time, identical responses- grievously rude collections employee, escalation as I attempted to make a payment, and disconnected calls. Because this is a new bank that was forced upon me, there was no ability for me to use online facilities. I finally was able to find a way to pay using a debit card and an absurdly complicated telephone payment system.
Before I was able to find a way to pay this statement, the disreputable representative employees of this company : - Charged me {$120.00} in fees- Reported my account as delinquent - causing my credit score to tumble by over 100 points to the low 700s - Reduced my account limit by ~ $ XXXX - ensuring further damage to my credit score This was clearly retaliatory behavior by an out-of-control collections department allowed by this company to run amok and specifically intended to cause me grievous personal harm.
Additionally, Ive informed every customer service representative that Ive spoken to after the first phone call, at the onset of the conversation, that I wish to speak to a manager and close the account. They refuse to do either and then disconnect. I have no way of closing this account with a seemingly dishonest company that I did not choose to do business with.
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.
10/26/2022
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
WA
98056
Web
In XXXX, I applied for and received an Ann Taylor branded MasterCard through Comenity Bank. While this card can be used anywhere, as it is a MasterCard, I use it rarely, keep the balance paid off, and only use it at Ann Taylor stores.
During XXXX or XXXX of XXXX, someone unknown to me contacted Comenity and was able to have a duplicate MasterCard with the exact same credit card number issued to them in XXXX.
On XX/XX/XXXX, I received the following text message : Alert : Ann Taylor Pending charge for {$420.00} on XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX for Mastercard card ending in XXXX. For help reply HELP. To stop reply STOP.
I contacted Comenity immediately to try to put a stop to the charge. I was sitting in my house in Washington State when I received the text. Not in XXXX. Unfortunately, due to horrible customer service issues, by the time I reached the fraud department ( an hour long wait ), the charges had been approved. I filed a formal fraud report with Comenity, advising someone used my account fraudulently.
I asked how my address could have been changed. They had no answer. To change an address, only a few data points are required, and these are data points anyone can find in many public records. Last four of SSN, name on account and zip code. They do not ask for a secret password or answer to a security question. Comenity does not engage in good security procedures.
On XX/XX/XXXX, Comenity issued a billing statement to me, advising my balance is {$420.00} and that I need to pay a minimum payment of {$30.00}, due by XX/XX/XXXX. Mind you, my card has had a XXXX balance since the end of XX/XX/XXXX. The balance on the card is the one I reported as fraudulent. Are they allowed to bill me for this? How is this legal? I can prove I haven't been to XXXX and wasn't in XXXX buying gas on the day this charge happened. My employer and my children 's school can also validate I was in the State of Washington in the date of this charge.
On XX/XX/XXXX my newly reissued, soon to arrive in the mail, MasterCard was unlocked by someone unknown to me, and a digital card was issued. I had not even received the physical copy of the card or activated it. I relocked the card. I changed the password on the account.
Today, XX/XX/XXXX, I learned I was locked out of the account online. The unknown fraudster had changed the password, and Comenity NEVER fixed the mailing address back to my address, so I was left unable to self service the account. The fraudster simply went online, entered my user name, their zip code ( as Comenity didn't correct it ) and the last four of my SSN, and they were able to change the password. No other security measures were required.
I contacted Comenity immediately, and asked them to close the account. It took four times of asking to get the account closed. Easily, however, with little verification of my identity, I was able to get my address changed back to my address, from the fraudster 's XXXX address. Furthermore, I requested paper statements, as I can not even access the account to pay the bill they are saying I owe.
Their customer service rep advised I needed to pay the bill and they would refund me after the investigation was over. This doesn't appear to be legal. Also, aren't their newer security requirements for banks and financial institutions requiring deeper levels of security??
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
230XX
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.
11/16/2023
Yes
Credit card
Store credit card
Fees or interest
Problem with fees
CA
95758
Web
Older American
In XX/XX/XXXX, I purchased a new XXXX XXXX through it's site and was approved for 12 month interest free financing. In late XX/XX/XXXX, I received notice from XXXX XXXX that it would be transferring its financing responsibilities to Comenity Capital Bank and that I would be receiving a " Welcome Letter '' sometime in XXXX and that XXXX XXXX would be unavailable to obtain any information for several days while the transitioning was happening. I waited for weeks waiting to receive the information needed to make my last payment obligation. I was eager to make last payment. There was no need for tried to contact XXXX about the lack of communication, but was told that they could not provide any information about my account since the records were no longer with them. I was assured that I would receive the new information from Comenity Capital Bank. On XX/XX/XXXX, I called and spoke to Comenity Capital who acknowledged that my last payment was {$25.00}, which I paid over the phone, but I also was advised that since they had not received the last payment prior to it's due date I was in default and they were demanding that I pay them {$350.00} plus cents, since they were tacking on the interest. I explained I had not received any written communications from Comenity Capital Bank, that I have no information regarding the new account number needed to set up the online account and or to make payment. I discovered they didn't even have the correct spelling of my last name ( it wasn't even close ). I explained that I have no late payment history to speak of with the previous XXXX XXXX and that the payment was due during the time the transitioning from XXXX to Comenity in the month of XX/XX/XXXX. I spoke with a supervisor who indicated that it wasn't their problem, I asked to speak to someone in management. The supervisor said she would place me on hold in the interim, she then hung up the phone. After over XXXX hours, I had to start all over again. I finally spoke to a representative who indicated that they couldn't provide me my account number, but was willing to take my payment of {$25.00} in order to pay off the account. He also stated that I was the XXXX customer that day that was experiencing the same issue - no written communication, no contact information to make payment, and now was in default and being forced to pay {$350.00} of interest. I was assured that he was elevating the issue and not to worry about the interest in default, he stated this to me 3 times. He also stated he was initiating the Welcome Letter that contained the account number and that I would have it within 7 days. As of today 's date of XX/XX/XXXX, I have not received the Welcome Letter as promised or any other type of written communication other than a survey via my email address. I just learned that Comenity didn't even have my last name spelled correctly, not even close to the correct spelling. Chances are that's the reason I haven't received anything at all in writing, But I'm at fault for not having the information needed to make contact with XXXXComenity Capital Bank . THIS IS WRONG AND DECEITFUL AND I AM STILL IN LIMBO AND POSSIBLY COULD BE FACING LATE FEES AND WHATEVER ELSE THEY WANT TO THROW AT ME, BECAUSE THEY REFUSE TO PROVIDE WRITTEN COMMUNICATION AND THE NEEDED ACCOUNT INFORMATION. THEY WERE TRANSITIONING XXXX XXXX AND COMENITY BANK, NOT ME.
01/11/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
275XX
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.
02/06/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
CA
928XX
Web
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX, Comenity Capital Bank XXXX : Billing Inquiries XXXX XXXX XXXX, XXXX OH, XXXX Re : Notice of disputed accrued interest charges I am writing to dispute the accrued interest charges of {$2000.00} to my credit account on the XX/XX/XXXX Statement. The charge is in error because the Red Font Warning Box on the previous 3 statements was misinformed and misled customers, including myself, about the exact balance we have to pay by XXXX XXXX, XXXX to avoid paying accrued interest charges. The statement specifically stated in red highlighted : WARNING : Promotional Plan ( s ) ENDING SOON! YOU MUST PAY THE BALANCE {$980.00} OF YOUR PLAN 24 MNTH DF INT PY RQ IN FULL BY XX/XX/XXXX TO AVOID PAYING INTEREST CHARGES. Though the front of the statement said new balance of {$1000.00} and minimum payment {$35.00} by XXXX ET XX/XX/XXXX, the RED BOX and HIGHLIGHTED WARNING misinformed and misled customers that they only have to pay a total balance of {$980.00} by XX/XX/XXXX to avoid the accrued interest charges, in which I did! I believe XXXX XXXX could have made it more transparent and direct by stating that YOU MUST PAY THE BALANCE {$1000.00} IN FULL BY XX/XX/XXXX TO AVOID PAYING INTEREST CHARGES, if their intention is NOT TO TRAP customers into accrued interest charges. Unfortunately, it was NOT the case!
Ive reached out to XXXX XXXX XXXX Department 3 times ( Documented Recordings ), but each time I was given a different and inconsistent explanation as to why I was charged accrued interest : - One stated that it MIGHT be the clause PLUS - IF YOU HAVE OTHER PURCHASES OR PROMOTIONAL BALANCES ON YOUR ACCOUNT, YOU ALSO WILL NEED TO PAY YOUR MINIMUM PAYMENT BY THE PAYMENT DUE DATE SHOWN ON THE STATEMENT, in which I replied that I do not have other purchases or promotional plans on this same credit card!
- Another billing employee stated that it MIGHT be because I didnt pay it before XX/XX/XXXX, in which I said the clause stated as long as I pay BY XX/XX/XXXX TO AVOID PAYING ACCRUED INTEREST, which I did!
- The 3rd attempt was that I had a one time late charge in XXXX of {$31.00} ( due to my XXXX XXXX XXXX XXXX late process ), so they MIGHT have charged that first before the full {$980.00} kick in. With that I asked, Why wasnt this clearly RED HIGHLIGHTED IN A WARNING BOX THAT WE WILL TAKE WHATEVER LATE INTEREST CHARGE FIRST BEFORE YOUR FULL BALANCE OF {$980.00}? OR PUTTING IT IN A SIMPLER STATEMENT AND TELL US TO PAY {$980.00} PLUS LATE INTEREST CHARGES! OR PAY FULL {$1000.00} TO AVOID ACCRUED INTEREST CHARGES! Unless, XXXX XXXX purposely misled customers into paying for the accrued interest charges.
Any reasonable person would not avoid paying an additional {$17.00} or whatsoever I still owe, just to pay {$2000.00} more for the accrued interest charges ( currently Im not even clear how the XXXX XXXX Department determined that I still owe {$17.00} or more or less since they were not able to explain to me ). I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Enclosed are copies of the 2 most recent statements supporting my position and experience. Please help me correct the error on my account promptly.
Sincerely, XXXX XXXX
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
104XX
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
130XX
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.
08/15/2022
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
NJ
07047
Web
Please note that this is not a duplicate complaint. This is based on some more lies and " I dont know '' answers I was provided on XX/XX/XXXX by Comenity Bank XXXX
They keep on lying to customers on recorded lines. I just called them about my missing funds of $ XXXX and the restricted account status and after two and a half hours of hold time, I got hold of XXXX in XXXX Ohio whose title says " Customer Deposit Investigator ''. She was rude and incompetent beyond belief. She kept yelling at me and threatening to disconnect my call every time I asked her a question or told her that her statement was incorrect.
- First lie. She told me that they had sent me a letter in secure messages saying that my account was restricted. When I told here there was no such message, she threatened to disconnect my call. Finally, after 5 attempts to get through her thick skull, she still won't admit that, sent me a message to me while we were on call and then lied again saying that I was incorrect and that the message was there all along. I have attached the proof of her lies. Look at the time in the message, she sent it to me when I told her that she was lying that they had already sent me such a message on Friday XX/XX/XXXX.
- Second lie. She kept asking me to send proof of funds for incoming transfer I did on XX/XX/XXXX. I kept telling her that it was not an incoming transfer but an outgoing transfer and that those funds were with Comenity bank for at least a year. So you already have all the proof of ownership as you already have all my Comenity bank statements showing that those funds have been in my account for more than a year. At this point, her brain short circuited and she started yelling that I am not listening to her, etc.
- Third lie. She kept asking me for documents that I have already sent them multiple times. She kept claiming that they dont have them - Fourth lie. She asked me to send proof of ownership of the transaction I did with XXXX XXXX XXXX. When I told her that in all my transaction history, there is not a single transaction with XXXX XXXX XXXX, she totally lost her composure and started threatening to disconnect the call saying that I was not listening to her.
- Fourth lie. She told me she had no answers for me and that her manager will call me at XXXX. She won't even tell me his/her name. When I told her that I don't believe that because of numerous such lies that I have been told, she said that she will stay on hold with me till XXXX. But just 5 minutes later, she told me that she is hanging up the call because she doesn't know when he/she will call me and then just disconnected me.
So after wasting 3+ hours on the phone and dealing with extremely rude agents who have no clue what they are doing, I still have no clue what is happening with my missing $ XXXX and the remaining $ XXXX in this account.
The summary of this episode is that they were totally fine with my account ( of more than a year ) and the funds in it. They started stealing my funds and putting my account on hold without even bothering to inform me, only when I tried to do a wire transfer to take some of my funds. It clearly tells you that security is just a pretext that they hide behind and their main purpose is to make it extremely difficult for people to withdraw their funds. Pathetic behavior.
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.
12/18/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MO
63108
Web
I signed up for an IKEA " XXXX '' XXXX ( which is processed through Comenity Capital Bank ) on XX/XX/XXXX for the purpose of purchasing furniture.
The terms of the card state that the balance of the card are interest free for 12 months ( unless you fail to make payments ). Through various purchases, the total balance on the card had been ~ {$1700.00}. ( This is including late fees of ~ {$30.00}. Please see the following ) I have been attempting to make payments online through the designated portal. To do so one must enter a username and password. This is simple enough. However, I have either not recorded my username properly or the system is not accepting it.
Most systems would have a relatively easy process to recover a username via inputting a recovery email. This is not so for the IKEA Projekt/Comenity Card . To recover my username I must enter my username. This is an impossible ouroboros. The alternate option to recover my user name is to enter my account number. On all of the paperwork for this card, the account number is voided with only the last four digits visible. ( I have attached a screenshot of the username recovery portal as well as a photo of the mentioned documentation. ) I have attempted for numerous weeks to call customer support and account representatives to simply get one of these two ( what should be ) easy pieces of information ( username or account number ) so I can make payments on this card. At every turn I get sent from one phone tree to another. On the rare occasion I do get to speak with a live individual, they are universally representatives from outside of the US that either hang up on me when I explain the situation, or do not possess a command of XXXX necessary to communicate fully with me.
The first time I was able to speak with a live representative from within the US was today, XX/XX/XXXX ( on a Sunday morning during a XXXX XXXX XXXX XXXX XXXX ) when a collections agent called me demanding I make payments and pay late fees.
This afternoon I spoke with several different individuals, each of which then stated it was not " their department '' that could get me the information I needed, and would give me a number for a new person and the cycle would continue. I was ultimately informed that the department that could get me my account information was only available on weekdays ( this is unrelated but I am extremely frustrated that a company will attempt to collect from people on weekends, but is also not willing to assist with payment information on the same days ).
The final payment representative I spoke with, upon explaining the situation, repeatedly told me that I was incorrect, and that my account number was clearly located below the perforated section on my paperwork. I have attached a photograph of this paperwork, clearly showing that the first twelve digits of my account number have been redacted with asterisks, and only the last four digits visible.
I can not help but feel as though this entire process has from start to finish been set up to be as predatory and untenable as possible for customers to actually make payments without being abused with endless late fees and credit damage. All I want from this situation is the ability to make payments, and this company ( IKEA/Comenity ) is physically withholding all methods of doing so.
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
480XX
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
03/01/2023
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
27537
Web
On XX/XX/XXXX, I paid off a COMENITYCB/XXXX XXXX account in FULL for {$280.00} using their online portal. I submitted this payment amount directly from my checking account by selecting XXXX XXXX XXXX, since this should include statement balance plus any pending charges or interest. I had not used this card for purchases for at least 9 months prior to this date ( unable to view earlier than 9 months prior ). Any charges that were applied to the account were finance/interest charges.
On XX/XX/XXXX, I received an email from XXXX that my XXXX score had decreased by XXXX points. Upon logging into my XXXX account, I can see that 'COMENITYCB/XXXX ' has flagged my account as 30 days past due on XX/XX/XXXX.
Had I not received this email from XXXX, I would have never known that I had any balance on this account as I knew that I had paid the balance off in full, and I have not received any correspondence ( calls/emails/parcels/texts ) from Comenity/XXXX regarding any account balance or payments due .
Upon logging into the ComenityCB/XXXX consumer portal via htttps : //d.comenity.net/ac/XXXX, I see a past due amount of {$28.00}. The following amounts add up to this number, that I was able to view from 'Transaction Details ' within the portal : XX/XX/XXXX for {$5.00} labeled 'Interest Charge On Purchases ' XX/XX/XXXX for {$5.00} labeled 'Late Fee ' XX/XX/XXXX for {$2.00} labeled 'Minimum Interest Charge ' XX/XX/XXXX for {$13.00} labeled 'Late Fee ' XX/XX/XXXX for {$2.00} labeled 'Minimum Interest Charge ' After discovering the above charges, I called Comenity this morning ( XX/XX/XXXX ) about these charges and they stated that 'I should have selected 'Current Balance ' when my payment was made in full back on XX/XX/XXXX. I responded that I did indeed select this option and that my account balance reflect {$0.00} a few days later when I checked to make sure the payment had processed toward the balance.
Again, I did not receive any phone calls emails, parcel mail, or texts regarding this account or regarding an account balance or payment due. Had I known this amount was charged to the account, I would've paid it without much fuss although I still would have wondered why a charge was added after I paid the account off in full.
The issue beyond what seems to be fraudulent interest/finance fees that has led me to leaving this complaint is that my credit was severely affected by this adverse reporting of a missed payment - and my credit is something that I have sacrificed much to get back under control.
I will gladly provide any further information needed or that might help reversing this missed payment reporting to anyone who is willing to provide assistance. It hurts when you do everything in your willpower to make things right, just to be set back to where you started for something I had no knowledge or control over. It's hard for me to fathom and very frustrating that I didn't receive any calls or notices about a payment due.
I don't feel that it is reasonable for someone to necessitate regularly logging into an account portal that is known to have a {$0.00} balance. That's the equivalent of knowing your doors are locked at night, but waking up regularly to double-check they're locked. That's approaching a bout of insanity, and that's what this feels like today.
Help please!
01/18/2023
Yes
Debt collection
Credit card debt
False statements or representation
Indicated you were committing crime by not paying debt
NJ
07071
Web
I am a victim of an identity thief. My Identity was used to open fraudulent credit cards and accounts.
I generated an identity theft report and followed identitytheft.gov instructions to close all fraudulent accounts and remove all false information from my credit report. The only false record left is about the fraudulent account that Comenity Bank keeps saying belongs to me.
Comenity Bank ( the reporting company ) received a few dispute requests from credit bureaus ( XXXX, XXXX, XXXX ) about this fraudulent account. But after their " investigation '', they continued to report this false information about me.
Initially, I called Comenity Bank and asked them to investigate my case. But they denied accepting my request because that fraudulent account is too old and already closed and is not managed by Comenity Bank anymore. They told me that this account is managed by XXXX XXXX. I called XXXX XXXX but they told me that they can't help me as well.
Then I tried to do it another way and opened disputes via credit bureaus ( XXXX, XXXX, XXXX ). And after I received the dispute results I was surprised that Comenity Bank ( the reporting company ) verified that the disputed information was accurate, and continued publishing false information about me.
After that, I tried to call Comenity Bank again, as I already know what the reporting company is. Every time they tried to end the call and send me to XXXX XXXX, I insisted to be connected to someone who worked on my case, did an investigation, and confirmed that false information in my credit report is accurate.
Long call, talking to different people from their support when finally I was connected to the Fraud Investigation Department XXXX. This guy was rude, yelling at me, interrupting, intentionally started talking to me at the same time I was talking, and stopped when I stopped. He was showing that he wasn't interested in helping me at all.
I asked him to tell me what did they do during their investigation to confirm the disputed account belongs to me. And the only answer was that they had proof of my address ( which is false information as well ). I was curious and asked him how did they prove this false address is correct if I haven't been living in the XXXX at that time. The guy on the other side of the call attacked me in response and compared me to fraudsters who try to get rid of their debts. He put me on a hold few times, he was intentionally chewing during the call, declined to accept my report on that fraudulent account a few times, and played with words not to give any promise but get rid of me. As he didn't or couldn't help me I asked him to connect me with someone who can help me. But without luck. I spent around XXXX hours on that call but the Comenity Bank Fraud Investigation Department hasn't helped me at all. I was told that someone from the bank will call me back, but as I understand now it was just another game of words.
It was the most uncomfortable call in my life. I was insulted by such unprofessional and offensive behavior.
Moreover, I feel unsafe after that call as long as I'm not sure if that guy who has access to my personal information won't use it to make my life more complicated.
I opened other disputes with credit bureaus but Comenity Bank continues to publish false information about me.
08/17/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
OK
73013
Web
We currently have a credit card with XXXX through Comenity Bank. On XX/XX/22 I got into my account and looked to see what my total balance due was. You have to use the Comenity 's easypay because you can never get into account center. Once on, it gives you several option to pay : minimum amount, statement balance, current balance, and other amount. I checked to see how their payoff balance was calculated. Per their website, " the amount reflects the full account balance ( current revolving balance plus finance charges ) as of todays date. If you have promotional plans, we'll also include the full balance you owe on all existing plans ''. So I chose the statement balance to pay my account in full. Their site says " all same day online payments submitted before XXXX ET would be credited to the account the same day. It said it would send me an email receipt, which it never did ( thankfully I printed out the page ). On XX/XX/22 I received an email stating my next payment was due on XX/XX/22. I checked the website and it was showing that I owed an additional {$160.00} interest charge dating XX/XX/22. I waited a few days thinking that maybe they hadn't processed everything since I had paid the loan off in full. On XX/XX/22 I checked my account, again through easypay because you couldn't get on the website, and the charge was still there. On XX/XX/22, I called Comenity and was told that I didn't actually pay my balance in full because the interest charges don't show up until the following month. After having to transfer XXXX times all the way to a dispute supervisor ( dispute # XXXX ), I informed her that when I paid the statement balance I was under the impression that it was my total amount due as there is nothing on the site to indicate you still have interest owed or any option that says include interest in your final payment. She informed me she would put in a dispute asking for the remainder of the charge to be dismissed because there should be something on the website allowing customers to pay loan off in full without surprise charges the following month, because people think the statement balance is exactly what they owe. She said that since my account is in dispute, there would be no additional charges added, and that I should get a response back with the decision before anything changes on the account. Per their website, a dispute could take up to 90 days and " Once a dispute is completed, you will receive written communication informing you of the resolution of the disputed transaction ''. On XX/XX/22 I received an email stating a minimum payment was due. I was surprisingly able to get login to my account and noticed they now charged an additional {$4.00} interest charge fee for a new total of {$160.00}. I received no type of correspondence or follow-up whatsoever, and yes, I checked my spam. On the website, the payment options again are minimum payment, statement balance, current balance. It is almost impossible to get through to anyone and they just keep charging interest. So we're expected to continue to pay the statement balance ( all interest at this point ) and then next month they just add another interest charge on what we paid. People need to stay away from this bank and the XXXX credit card because their interest is how they continue to make money off of people.
05/29/2023
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
RI
029XX
Web
Subject : Complaint against Comenity Bank Dear Sir/Madam , I am writing to file a formal complaint against Comenity Bank regarding a billing dispute and credit report inaccuracies. Despite my repeated attempts to resolve the issue directly with the bank, I have not received a satisfactory resolution. I kindly request your intervention to address this matter promptly and ensure that appropriate actions are taken.
On XX/XX/XXXX, I was enrolled in a 12-month hardship plan with Comenity Bank due to my job loss. This plan was supposed to continue until XX/XX/XXXX, providing me with financial relief during a challenging period. However, without any prior notification, the bank canceled my hardship plan while automatic withdrawals continued to be debited from my checking account.
I have diligently communicated with Comenity Bank on more than 20 occasions to rectify this issue. However, my efforts have been in vain. The bank 's recent change to its billing system has resulted in discrepancies in payment reporting. Specifically, my payments for the majority of XXXX & XXXX were inaccurately reported as late on my credit report. This erroneous reporting has significantly impacted my credit score and caused severe difficulties in securing housing, purchasing a vehicle, and obtaining approval for rental homes.
Moreover, Comenity Bank reduced the credit limits on my accounts without proper justification. My New York and Company account balance was decreased from {$250.00} to {$100.00}, and my Express account balance was reduced from {$500.00} to {$400.00}. This further exacerbated the negative impact on my credit score and financial stability.
Despite speaking with numerous representatives, it was only on XX/XX/XXXX, that I received assistance from XXXX, who informed me that my payments were inexplicably deleted from the system. She suggested that I send a formal complaint to their office to address the billing disputes.
Therefore, I kindly request the following actions be taken : 1. Investigate the billing dispute and credit report inaccuracies associated with my Comenity Bank accounts.
2. Ensure that my payments made during the hardship plan are properly posted to my accounts and accurately reported to XXXX, XXXX, and XXXX.
3. Rectify the reduced credit limits on my Express and New York and Company accounts, reinstating them to their original amounts of {$500.00} and {$250.00}, respectively.
4. Enforce appropriate measures to prevent such billing system errors from occurring in the future and ensure customers are notified of any changes to their payment plans.
5. Provide me with a written response outlining the actions taken to resolve this matter within 30 days of receiving this complaint.
I appreciate your attention to this serious matter and the impact it has had on my financial well-being. I trust that the Consumer Financial Protection Bureau will take the necessary steps to investigate this complaint thoroughly and assist in achieving a fair resolution.
Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in restoring my financial stability.
Sincerely, XXXX XXXX RE : Express Account ending : XXXX Victoria 's Secret Account ending in XXXX XXXX XXXX Account ending in XXXX NY & Company Account ending in 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.
06/03/2022
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
PA
185XX
Web
Hi, I need help with disputing delinquency and late fees. I placed an order on the XXXX XXXX I was signing into after pay when it glitched, and the order went through and my XXXX XXXX card was charged, which is automatically the default method on XXXX XXXX. I immediately called explaining and tried to cancel as I dont have access to the card, or the account, but it wasnt do-able. So I was told my options were to pay a {$9.00} fee to pay over the phone, or return it. The person I spoke to told me to go in person as itd be much quicker to process the refund to my credit card.
I placed the exact order again with afterpay, and brought my original order, which was charged accidentally to my XXXX XXXX XXXX, to the XXXX XXXX I visited the XXXX XXXX on XX/XX/XXXX ( if XXXX ) and thoroughly explained to the associate this whole story, I went during slow hours to ensure this was done correctly because it had been such as hassle and highly important to have fixed efficiently. I confirmed multiple times with the associate that she was refunding the correct order, being the first one placed obviously, the one I had to reorder another time, to a payment method that worked for me.
I told the associate every detail. And its common sense to refund the first order when someone says I dont have access to the XXXX XXXX XXXX but since my app bugged and I couldnt cancel, I had to reorder it with after pay and thats why I came to the store with a car rental.
But I still confirmed throughout the transaction that she was refunding the right one, because if she wasnt paying much attention she may have missed the fact that they were identical orders and the details I gave were important to listen to.
Im sure if they actually investigated for me it would help, cameras are in the store, calls are recorded, and Ive been contacting them with all these details ever since the minute my incorrect order had been placed.
This isnt my mistake, the lady confirmed with me that she knew which order to refund throughout the process. At the end, she confirmed with me that the XXXX XXXX XXXX order was refunded. I quite honestly didnt make any mistakes, Ive gone out of my way very much over this for months back and forth, driving hours to go back to the store with car rentals for no reason because I was told to. And hours and hours on the phone with no promised call backs or resolutions.
Since the wrong order was refunded, and I dont have access to the account, its very bad. I even contacted XXXX, to confirm and they explained the right order # was refunded. I didnt have access to the account so I took this information and believed it.
Then my credit score got very low and I reached out assuming there was an error in the system since I didnt even think she possibly couldve made a mistake with the conversation we had. As well as customer support telling me the right order was refunded as well. Months go by of me trying to get an answer, and someone finally told me the wrong order had been refunded.
I have no problem paying {$45.00}, Ive spent over {$400.00} in a day with XXXX. My issue is XXXX XXXX associate made a mistake, as well as many customer support people I spoke with, and I need this removed from my credit report as I am responsible and shouldnt be penalized with a bad mark or late fees.
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.
08/31/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Problem with a company's investigation into an existing problem
Their investigation did not fix an error on your report
OH
44111
Web
Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX Subject : Request for Immediate Deletion of Inaccurate Account Information from Consumer Reports Dear Sir/Madam, I am writing to you in regard to the correspondence I received from Comenity Bank dated XX/XX/XXXX, regarding my XXXX XXXX Credit Card account ending in XXXX. I appreciate your prompt response to my previous communication, however, I must bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe has occurred in relation to my account.
Upon reviewing your response, I am concerned about the accuracy and validity of the information being reported to the credit reporting agencies about my account. It is my understanding that the FCRA requires creditors to provide accurate and complete information to credit reporting agencies, and consumers have the right to dispute any information that they believe is inaccurate or incomplete.
Specifically, I would like to highlight the following issues with your response : Inaccurate Reporting : The information you have provided in your response does not accurately reflect the history of my account. You state that my account was charged off due to nonpayment on XX/XX/XXXX, and subsequently sold to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. However, this information is incorrect. [ Provide details about the correct history of your account, if applicable. ] Dispute Resolution Process : As a consumer, I have the right to dispute inaccurate information on my credit report. I believe that the inaccuracies in the reporting of my account constitute a violation of my rights under the FCRA. I request that you conduct a thorough investigation into the accuracy of the information being reported and take immediate steps to rectify any inaccuracies.
In accordance with the FCRA, I kindly request the following actions : Immediate Deletion : I request that you delete any inaccurate information related to my account from the credit reporting agencies ' records. This includes the inaccurate charge-off date and any other inaccuracies that may be present.
Correct Reporting : If there have been errors in the reporting of my account, I request that you correct the information and provide accurate details to the credit reporting agencies.
Written Confirmation : Please provide written confirmation once the necessary corrections have been made and inaccurate information has been deleted.
I urge you to take this matter seriously and address the violations of the FCRA as soon as possible. Failure to do so may result in further actions to ensure my rights are protected under the law.
I look forward to your prompt attention to this matter and a swift resolution. Please send all correspondences related to this matter to the address provided above.
Thank you for your immediate attention to this serious matter.
This company has no right to be in my consumer reports due to the fact that I was not advised that my personal information was being sold and purchased without my consent.
As they say in their response, They sold and are still in my reports so please stop trying to sell me your bad interest rates just by having my scores which are also illegal undervalued.
This company is affecting my commercial relationship with other financial institutions as well as XXXX
06/11/2023
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
604XX
Web
I am a XXXX worker and due to mental stress and strain I became overwhelmed in my position during the summer of XXXX. I met with my manager on different forms of therapy and counseling that were open to me which eventually lead to me having to leave my position. I still had a family to care for so I contacted another XXXX XXXX for a position. As i started working there issues with race and bullying became an issue and after a month I lost my income due to a hostile environment and racism ; this was XX/XX/XXXX. It turned out the effects of my employment, diet, and stress of not being able to provide for my family took a toll on my body and I became very ill with XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, and XXXXXXXX XXXX. I contacted all of my creditors because I wanted my credit to remain at least fair during this time. I was told by them all, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX that they would work with me and asked what i could pay, they updated my accounts on my condition or so I was told. I tried the minimal but I didn't have enough income coming in. There was no XXXX or holiday season for me or my family but we were happy I was still alive. I contacted them all once again in XX/XX/XXXX and was told my accounts would be on something like a forbearance hold until I could pay and not report my accounts until I could get back on my feet, I was told they would update my accounts. Three creditors asked how long it would be before i could pay again and I gave an estimated 3 to 4 months because I lost my health insurance and had to find a provider that would take Medicaid to help with my conditions and possible procedures needed.
I changed my eating habits/diet, excercised, and lost 20 lbs. within 2 months. I continued to communicate with my creditors and even applied for unemployment but it was only enough to barely pay my rent. I applied for TANF/General Assitance and EBT for food but was denied because I wasnt employed. I eventually found a provider an hour away which was good but my XXXX XXXX was only able to be performed a month out in XXXX on the XXXX in XXXX. I was patient. God was still providing.
I looked for new employment positions because I was falling far behind and I had a student graduating and going to college that I had to prepare for. I found the position which was XXXX over minimum wage at XXXX XXXX, a block away from my home, and started a week after my XXXX XXXX on XX/XX/XXXX in training with less than 30 hours.I was supposed to go slow ; I wasn't pulling or moving much and I had stents in my sides but I needed the funds. I contacted my creditors to update them on my employment but found out it was too late for some by this time, they had reported my accounts at least 30 days past due and closed them after they told me they wouldn't. I have no idea how to get my credit repaired or pay bills. I'm constantly getting calls from collection agencies but don't give my information.
XXXX XXXX worked with me and started a payment plan for XX/XX/XXXX with no interest or fees. That gave me hope but my credit is now shot. I am not finacially stable with this new position but I could've made payments and at least wanted to get back on my feet to good credit and health. Please can you help? I just found out about Consumer Finance.
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.
11/24/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
FL
33647
Web
The company named Commenity/Wayfair shared my private info to third party without my consent and without giving me the option to opt out. My family and I are being damaged by the remarks on my credit report, preventing us to pursue a happy life. Attached is a copy of my credit report by XXXX which shows the compromised information listed.
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as autorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
05/25/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
FL
33418
Web
XX/XX/XXXX Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Consumer Federal Protection Bureau Federal Trade Commission ATTN : Fraud Division XXXX XXXX XXXX XXXX Washington DC XXXX RE : XXXX XXXX XXXX, XXXX, XXXX.
ComenityCBXXXX Credit Card Account # XXXX Demand to Delete Inaccurate and Derogatory Credit Reporting NEED ACTION BEFORE XX/XX/XXXX CLOSING DATE Dear Sir or Madam : By way of introduction, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX of Massachusetts. My practice strives for justice in processing and reporting and I seek to practice the same in my personal life. To date I have maintained an exemplary credit rating through prompt payments of any and all bills that become due and owing. This practice has allowed me to be approved for a top-rated mortgage for the purchase of my new home.
Unfortunately, it has recently come to my attention that Comenity Capital Bank has inaccurately reported a late pay on the above captioned credit card account which has resulted in a drastic drop in my credit score and has placed my underwriting position in jeopardy. Upon investigation, the reported late pay was a result of an interest roll-over that occurred subsequent to the payment in full of the balance due and owing on the credit card. Specifically, on XX/XX/XXXX there was a charge for {$330.00} and on XX/XX/XXXX there was a payment made of {$370.00}, without additional charges having been incurred during that period of time. Any charges not satisfied in a timely manner were a result of a late-applied interest roll-over, a charge that does not constitute a late pay and justify the derogatory impact to my credit rating.
I have humbly request that the derogatory late pay reporting be deleted from my credit report pursuant to the Fair Debt Reporting Act ( FDRA ) as the reporting is due to a mistake or inadvertence on the part of Comenity Capital Bank. I have finally found my dream home and truly do not want this jeopardized. I have requested the bank could kindly contact my office at XXXX. I will need a letter from the bank to my mortgage brokers request the following, Please add to the from Comenity Bank letter to request a onetime courtesy deletion of the 30 day late payment reporting to the credit agencies, just in case the person reviewing the letter just credits the late charge but leaves the late payment reporting to the credit agencies. Once we have that letter we can request the report to be updated manually from all three bureaus.
As time if of the essence for my home loan to close on XX/XX/XXXX, I am desperate for your esteemed federal agency to assist me. I have worked hand in hand with all federal agencies in order to honor and assist clients in my work world wide. If your kind agency could please reach the higher levels of this bank ASAP and request this is removed post haste, I would eternally grateful. This event has dropped my credit score over XXXX points! SEE EMAIL. It will be an extreme hardship to me and my home purchase.
I respectfully request your immediate response to this issue and look forward to resolving this matter amicably. Should you require any additional information from me, please do not hesitate to contact me directly.
Thank you for your attention to this matter.
Very truly yours, XXXX XXXX XXXX, XXXX, XXXX.
09/12/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Credit card company forcing arbitration
FL
33909
Web
To whom it may concern, My name is XXXX XXXX XXXX ; on XX/XX/XXXX, I purchased a sofa from my local XXXX XXXX in XXXX XXXX, FL ( Store number XXXX ). I bought a grey suede sofa with a XXXX XXXX XXXX using a XXXX blue credit card offered through XXXX XXXX. Unfortunately, when I got the sofa home, I realized that the couch had a foundational defect in a corner. So, I reached out to the store that sold me the sofa to inquire about returning or exchanging the couch.
The XXXX staff then told me that the sofa was sold as-is and the couch I purchased was a floor model ; they claimed that they could not exchange or return the item. I tried to explain that I was unaware it was a floor model. That fact was not disclosed when I made the purchase. I presented the transaction receipt and the terms and conditions of the sale. The written sales order or receipt does not state the item was a floor-Model, As-is, or ineligible for return/refund.
The staff at the store stated that because the sofa had been discounted, I must have been aware that the purchase was a floor model and non-refundable/non-exchangeable.
Furthermore, they stated that because I purchased an optional insurance plan, I must have been fully aware that it was an as-is floor model and that the insurance would cover expenses the store was unwilling to cover.
Since XXXX of last year, I have called XXXX XXXX several times to ask for a supervisor call back and have yet to hear back from them. I took the next step and filed a dispute with Comenity bank, the issuer of the credit card used to finance the purchase about this matter. I explained everything I had mentioned above, I have sent in my original purchase transaction, a personal statement, as well as an altered/updated purchase receipt the store provided that was provided during purchase. Each time I received an unfavorable determination from XXXX I would follow up and provide evidence that warranted reopening the case. In total the dispute has been ongoing for about a year.
On XX/XX/XXXX I phoned into comenity and was told by an account supervisor that comenity has once again decided to not rule in my favor. I argued that comenity has all the evidence to validate my claim. I was simply told the dispute department could not assist me because " XXXX could not adjudicate '', In essence, comenity bank could only pass along the supporting documents to the merchant " XXXX XXXX '' and await a decision from them.
Based on that phone call I am highly concerned that even though I have provided Comenity bank with written documentation, they can not rule in my favor because they themselves are at the mercy of the merchant, who essentially can decide whether they want to refund or not. I take issue that comenity can endorse an XXXX XXXX 's credit card. However, when presented with evidence of material misrepresentation by the merchant, they have no control or system in place to assure purchaser rights or protection.
I ask that this matter be considered ; I truly feel that Comenity is not providing me rights as a consumer of their credit card. Even with substantial evidence, Comenity has failed to acknowledge a clear misrepresentation in a transaction they financed has occurred. I ask that Comenity please do more in this instance.
Thank you, XXXX XXXX
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.
08/15/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
DE
19808
Web
I have had a dispute with Comenity Bank who manages my BJ 's Mastercard. My payments have been made from the same bank and the same account since acquiring the card and making auto payments. There was never any problem until I made the last 2 payments to pay the account off and they said they were never received. Payments were from XX/XX/2021 and XX/XX/2021. The dispute began in XX/XX/2021. They reported to the credit bureau that I had late payments in XXXX and XXXX even though the balance on the account beyond the disputed amount is {$0.00}. I forwarded all of the printed documents from my bank verifying the completed transactions between their 2 offices and even the internal transfer information from my bank was supplied, but, this still did not get them to make the correction. After 5 months I received the first investigation response letter where they stated my first payment was found. but, since my intent was to pay on the account of another person living at my address, they could not apply it to my account. The final payment they said it was not received followed by the explanation that that amount was received and returned to my checking account because they didn't know where to apply it. The second response letter said my name was on another account and that was the account my payment went onto to and the second payment was just not found. Fact stating that I live alone and no one uses my address and my name is not on any other BJ 's Mastercard and this can be verified through the credit bureau listing of all my credit cards. Certified mail has been used to forward all of the supporting documents to Comenity twice along with to the BJ 'S Corporate Office and my local Delaware Attorney General. Other offices have been contacted as well. There is a dispute in with XXXX for the second time and also with XXXX at this time. Even after finding out that they returned the second payment of {$65.00}, I later sent them over the phone {$75.00} when they left me stranded on vacation unable to use my card at the end of XXXX. The payments in question were on XX/XX/2021 for {$120.00} and XX/XX/2021 for {$65.00}. The reasoning they give is false and they can not verify anything and anywhere they say the money ended up recorded. My personal bank did everything they could and finally told me to report them to the XXXX They have now recorded 3 months of late payments to my credit report with a balance of now {$300.00}, but, don't even know where that amount has come to be. This all began with paying off a credit card with {$180.00} balance off. They have kept {$190.00} ... .more than the amount due, Comenity refuses to fix their mistakes. I have endless proof and not one of the customer service representatives can show or explain to me where they have come up with their false information. My only request at this point is for the account balance to be made {$0.00}, my credit report to be fixed and back to excellent standing and then for the account to be closed. At this time my credit score dropped XXXX points because of what they have done. These payments are nearing a year old and they will not do anything. I need this to stop and have my above request met after all I've had to endure and all of the expense of providing documents, mailings, calls etc.
04/06/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
GA
XXXXX
Web
Good afternoon, My name is XXXX XXXX and my account number is XXXX XXXX XXXX XXXX with Comenity- XXXX XXXX XXXXl. I am writing to DISPUTE the finance charges that were added to my account on XX/XX/XXXX, in the amount of {$1000.00}. I have maintained a compliant account with you all since opening my credit account and consistently paying {$130.00}, monthly. In XX/XX/XXXX, I purchased a new home and the balance of this account was included in my loan. My banking institution contacted you all and was advised my balance was {$1600.00}, as XX/XX/XXXX. Per my account, that payment of {$1600.00}, posted to my account on XX/XX/XXXX. I was under the impression my account was satisfied. On XX/XX/XXXX, a late fee of {$28.00}, was posted to my account. As I stated earlier, I purchased a new home and my address was not updated. When I received mail from my previous residence in XX/XX/XXXX, I contacted you all advised of the situation and that I was not aware of the {$28.00}, late fee added to my account. A member of your management team advised the {$28.00}, late fee would be waived and this would bring my account current and I would not owe anything. This discussion happened prior to the expiration of my promotional balance date of XX/XX/XXXX. The fee of {$28.00}, was not waived prior to the expiration of my promotional balance and the promotional finance charges in the amount of {$1000.00}, was added to my account on XX/XX/XXXX. The credit of {$28.00}, was not added to my account until XX/XX/XXXX. Another fee of {$28.00}, noted as promotional to revolving, was added to my account on XX/XX/XXXX. The bill that I received on XX/XX/XXXX, for XX/XX/XXXX, with a past due date of XX/XX/XXXX, as you still didnt have my current address, displays a balance of {$56.00}. I did not learn the interest was added to my account until XX/XX/XXXX, when I contacted you all again to resolve this issue.
In summary, I have been XXXX finance charges due to the expiration of the promotion I was under in error and Im DISPUTING, those charges. I paid the balance of {$1600.00}, and was not aware of the {$28.00}, late fee attached to my account. Once I became aware of the {$28.00}, late fee, I contacted you all and advised by your management team that the late fee would be waived, and I didnt have a balance prior to the expiration of my promotion. The fee was eventually waived but it was after the interest charges were added to my account. If you would correct this error and remove those charges from account.
Lastly, after speaking with several Senior Managers with your organization, I was instructed to write and DISPUTE the finance charges added to my account. I had to pay {$41.00}, on XX/XX/XXXX, to prevent reporting of delinquent payment to the credit bureau. This whole situation has been overwhelming and frustrating at the same time. I have always been responsible when it comes to my credit and this does not show me being financially responsible. Your company states, Were committed to making each experience with us exceptional and you have award winning customer care. If would you resolve this situation and removed finance charges added in error and provide the customer satisfaction needed for this situation.
Respectfully submitted, XXXX XXXX Account # XXXX XXXX XXXX XXXX
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
281XX
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
12/06/2023
Yes
Credit card
Store credit card
Fees or interest
Problem with fees
WI
54449
Web
I received a call in XXXX telling me my XXXX XXXX XXXX payment was overdue and asking me to pay over the phone. I thought this was a scam call as I always pay my bills in full and on time. I hung up and called the phone number on the back of my XXXX XXXX. To my surprise it was overdue and I never received a statement in the mail. I assumed it was lost in the mail and paid my bill in full using the online app for my credit union. I then started to receive calls that my XXXX credit card payment was overdue for the same month, I also did not receive a bill in the mail for XXXX. I soon discovered both of these stores use Comenity Bank. This is very suspicious that the only two bills I didnt receive were both from the same organization. I also paid this bill in full through my credit unions online app. I thought the issue was over until I received my billing statements in XXXX. XXXX had applied my payment of {$500.00} on XX/XX/2023 and then removed this payment on XX/XX/2023. So, they charged me {$500.00} plus interest. I called XXXX who put in a request to investigate what happened. My XXXX statement also had an issue. First, with all of the phone calls, I double paid them. Once with interest and late fees ( {$130.00} ) and once without the interest and late fees ( {$100.00} ). The statement said I was late with my payment and consequently I was charged {$66.00} in late fees. I did not understand this because I paid the bill in full on my banking app several days before my paper bill came in the mail. When I called Comenity Bank they said this was my error in not getting my payment to them on time. I contacted my credit union who confirmed my checks to Comenity Bank were dated XX/XX/2023 and the XXXX tracking showed my checks arrived at Comenity Bank in XXXX Texas on XX/XX/2023. Yet, Comenity Bank did not process my payments until XX/XX/2023 resulting in the {$66.00} late fees. I called Comenity Bank back and explained the documentation I had from my credit union. They still refused to refund my money. I asked to speak with a supervisor. It took several attempts before they agreed to connect me. I heard the call picked up and then hung up disconnecting my call. I have also reached out to XXXX through email and phone. The customer service representatives are very nice and say they are expediting my concerns to a manager and I will hear back in 48 hours. I have still not heard back and this was over one week ago. I am asking for your help to get my {$66.00} back from XXXX. I also want to bring attention and hopefully an investigation of Comenity Banks unethical behavior. I believe their actions are purposefully dishonest with the goal of charging erroneous late fees and interest. When I spoke to the representative at my credit union she informed me Comenity Bank did something similar to her. When I asked what she did about it, she said nothing, she figured it would be a waste of her time and just paid them. This led me to wonder, how many people are Comenity Bank doing this to? This is not right and I am taking the time to tell someone about it. I hope you can help. I attached the credit card statements for XXXX from both XXXX and XXXX as well as the documentation from my bank showing the check dates and XXXX tracking information.
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
122XX
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
10/11/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
MN
558XX
Web
I have had a XXXX XXXX since XXXX. It has repeatedly been placed to another company over and over and over during the previous years and it has stayed alive on my report the whole time. Also, the Dept. of Ed. took my XXXX and XXXX tax returns which was about {$4000.00} and it has been at over {$3000.00} forever and even higher and I paid LOTS on it prior to stopping paying. If it's wrong for them to continue to keep my credit report reflecting owing that, then I'd like that to be addressed. I am waiting on full debt forgiveness, but still. I had tried to update my name and phone numbers, which I changed legally 2 yrs. ago and didn't realize I had to change it with the Dept. of Ed. and XXXX. How is it MY info, MY money, MY credit and MY acct. and I needed permission to update my legal name change with XXXX so I didn't have to see my former name splashed across emails and their home page for 2 yrs. after changing my name and gender? I don't particularly care for credit monitoring or reporting or anyone butting into my financials. I think it's highly intrusive and wrong. That's not what I'm writing about. I started a XXXX acct. when I moved from XXXX to XXXX XXXXn XXXX and kept it while living in XXXX I moved to XXXX in late XXXX and since there were no banks in XXXX for XXXX miles, I closed the acct. to get a local bank. I have no understanding of why me closing my acct. and taking back my money from my credit card acct. of {$1000.00} has me hearing about my acct. with them, esp. still, 4 yrs. later. It's ridiculous and that's MY business. Me closing my acct. had NOTHING to do with my credit report at all. It was a matter of convenience. I chose to open a secured credit card with them to improve my credit while I was paying my debt off in tandem. XXXX had fired me wrongfully for XXXXXXXX XXXXt in XXXX of XXXX because a guy who was jealous of my promotion in pay as a lead driver when I drove semi cross country and he flirted with me and I sent him a photo that he turned in to XXXX and they would not do anything but take it out on me and they treated me like XXXX XXXXXXXX for the entire 10 mths. plus that I worked for them. I fulfilled my contractural obligation to avoid having to pay my tuition and they didn't even sign my contract and then did nothing to warn me of their intentions, just had their atty. firm mail me and say I owe {$6500.00} and then it was on my credit report the entire time with all of my attempts to contact them and them admitting their mistake then doing nothing and ignoring me after that ... until I was added to a class action lawsuit and then they removed it. I am in another one with them that is pending currently. I have no knowledge of this COMENITYCAPITAL/XXXX either, which is new. I did not apply for a single thing. This is not me. The ONLY thing I have done was accidentally being overdraft for something and I took care of that the day after I found out about it. I know my debt and who it is to. This company in all CAPS has nothing to do with me to my knowledge and I am disputing it. I would have done this on XXXX but they seem to have removed that option. I have a XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and don't need the stress. Pleas help solve this. Thanks! XXXX XXXX
07/06/2023
Yes
Checking or savings account
CD (Certificate of Deposit)
Managing an account
Problem with renewal
VA
223XX
Web
Bread Savings includes the following information on its Web site XXXX XXXX XXXX XXXX ) regarding renewal rates for one-, two-, and three-year certificates of deposit ( CDs ) : CD Renewal Rates : We appreciate our loyal customers, and to show our gratitude we offer an even higher renewal rate for 1, 2, and 3 year Certificate of Deposit ( CD ) customers. You don't have to do anything to get these rates when you let your CD automatically renew.
Product Annual percentage yield Interest rate Renewed XXXX CD 5.30 % 5.16 % Renewed XXXX CD 5.05 % 4.93 % Renewed XXXX CD 4.55 % 4.45 % ( end of excerpt ) The plain meaning of this text is that someone who holds a Bread Savings CD of one of these terms will receive the respective yield and interest rate " automatically '' by allowing the CD to renew. For example, if someone holds a Bread CD with a one-year term and a product yield of XXXX percent on XX/XX/XXXX, he or she automatically will receive a yield of XXXX percent if he or she allows the CD to renew on or about XX/XX/XXXX.
When I spoke with a customer service representative from Bread Financial on XX/XX/XXXX, she told me that the renewal bonus of XXXX percent would apply to the yields in effect at the time of renewal and that these might not be the same as those that appear on the Web site at the aforementioned address. In other words, the renewal yield rate might be XXXX percent if the rate on one-year CDs is XXXX percent XXXX year from now.
I pointed out to the customer service representative twice that what she was telling me contradicted what appeared on the Web site. I read the text from the Web site to her on the phone. That text says " automatically '' and it does not refer to a XXXX percent renewal rate premium. Instead, it refers to actual renewal rates and it lists the rates for each applicable CD term.
Moreover, it does not say, " These are example rates that would be available today, '' or " Rates may vary at time of renewal. '' While footnote 2 on the page notes that annual yields are subject to change, this conspicuously applies only to the section referring to current CDs. The section referring to CD renewal rates for loyal customers is silent on such an advisory for yields being subject to change. There is another footnote for the renewal rates, footnote 6, but it only refers to the limiting condition of applicability of this renewal rate to one-, two-, and three-year CDs. Bread Savings could have advised that the renewal rates are subject to change, but it did not do so. The fact that it did so for another section of the page provides support for concluding that the omission of this limiting term for renewal yields was intentional. Since I pointed out this issue to the customer service representative on XX/XX/XXXX, and this text on the Bread Savings Web site remains unchanged as of XX/XX/XXXX, this adds to the basis for concluding that the omission is intentional.
Either the Web site is wrong or the customer service representative was wrong. Either way, the bank might be engaging in a deceptive marketing practice and this requires investigation and a response from the CFPB and possibly the Federal Trade Commission, U.S. Department of the Treasury, and the attorney general of my state.
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
04/26/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
NC
27278
Web
I pay my Sony Visa card every month in full, and on time. On XX/XX/2023 I submitted to my online bill pay to make a payment to be made in the amount of {$3400.00} for my XXXX payment that was due XX/XX/2023. My bank did as asked and made a payment to Comenity Bank-Sony to be delivered by XX/XX/2023. My bank gave me the check number and confirmation number.
I checked my cc account online on XX/XX/XXXX to see if the payment had been applied but it wasnt so I called on XX/XX/XXXX to speak to someone at the cc company. I expressed my concern that they had not posted my payment when it should have been received by XX/XX/XXXX. The employee there said maybe give it a couple more days but that she would file a dispute. XX/XX/XXXX they texted saying my payment was due.
I continued checking my account online and even messaged them thru the online account portal XX/XX/XXXX expressing my concern yet again. They answered XX/XX/XXXX saying they were looking into it.
XX/XX/XXXX, I called my personal bank and asked them to stop payment on the {$3400.00} check made to Comenity Bank because I assumed after more than three weeks, the check had to be lost. My next step was calling Comenity Bank and telling them I stopped payment on the check. XXXX ( their employee ) took my information and I paid over the telephone both the {$3400.00} that was lost, as well as the additional charges that I had incurred for the following months billing, for a total of {$4600.00}.
At that point I asked XXXX ( their employee ) to please issue me back the credit for what they charged me, {$30.00} late fee and {$63.00} finanace charges for a total of {$93.00}. He told me no and we had the discussion that I followed thru on what I was supposed to do to get them their payment on time and continued checking in with them throughout this process.
Today, XXXX, XXXX, I signed into my Comenity Bank Sony card account and saw that they did credit {$4600.00} that I paid over the phone on XX/XX/XXXX and also on XX/XX/XXXX they also deposited the check that they said they never got for {$3400.00}. I immediately called them!
XXXX, the cc representative that I spoke with this morning said she would check into it. I told her I wanted what they charged me in fees back ( {$93.00} ) and she said all she could give me was a {$10.00} credit which was a slap in the face to mea total insult!
I told her I had put a stop payment on the check that had strangely and suddenly appeared after they had me pay it a second time. Im hoping that check will not clear for them! She said she would write this all up and file a complaint/dispute. I asked her for a copy of it and she said not it was their confidential notes. So I am appealing to you, Consumer Finance!
Not to this degree, but there have been other months that this particular bank has not posted my payment checks in a timely manner. Ive spent hours on the phone with them over the last few months asking, did they receive my payment? As I know my bank has issued very timely checks to them. PLEASE PLEASE PLEASE HELP!
I want the {$93.00} credited back to me as I find it hard to believe that THE day I pay them over the phone, they suddenly find a heck that was mailed to them well over three weeks prior.
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
847XX
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.
07/06/2022
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
FL
32808
Web
Servicemember
I sent XXXX XXXX XXXX a written request to validate my alleged debt having account no. COMENITY BANK Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, which was received by XXXX XXXX offices by Certified Mail # XXXX on XX/XX/XXXX, XXXX requesting the following : 1. Agreement with your client that grants you the agent authority to collect on this alleged debt.
2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay COMENITY BANK , and or an agreement showing I agree to pay a creditor and or their agent.
3. A copy of your oath of office confirming you are not violating 15 USC 1692 ( e ) 3 and establishing your legal standing to collect anything from me.
4. Any insurance claims been made by any creditor regarding this account.
5. Any judgments obtained by any creditor regarding this account that gives you the right to collect anything from me.
6. Name and address of alleged original creditor.
7. Name on file of alleged debtor.
8. Alleged account number.
9. Address on file for alleged debtor.
10. Amount of alleged debt and what it is for.
11. Date this alleged debt became payable.
12. If the account is charged off, the date of original charge off or delinquency.
13. Verification that this debt was assigned or sold to collector.
14. If this debt has been assigned to collector, please provide the commission amount if collection efforts are successful.
15. If this debt has been sold to collector, please provide the price for which it was sold, and proof of sale. Include all trailing documents identifying the SELLER you purchased it from and ALL PREVIOUS OWNERS.
16. A true and correct copy of the transfer instrument that was used to transfer the initial outstanding balances from this alleged account into the Special Purpose Entity ( SPE ) trust, as described on the FDIC website above.
17. Agreement between your agency and I of any contractual or debtor/creditor arrangement.
18. Complete accounting of alleged debt showing how you specifically calculated the entire amount of what you say I owe.
19. Copies of any and ALL account level documents that show I agreed to pay what you say I owe to include original WET INK signatures.
I received a correspondence from XXXX XXXX dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate.
I sent a second request, Notice of Non-Compliance Demand for Validation and Proof of Claim which was received by XXXX XXXX XXXX office by Certified Mail # XXXX Delivered on XX/XX/XXXX, XXXX Requesting the following : The debt validation responses dated XX/XX/2022 is incomplete and not debt verification & validation at all. Please satisfactorily respond to my request for debt verification & validation dated XX/XX/2022.
I received a correspondence from XXXX XXXX XXXX dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate.
I received a correspondence from XXXX XXXXXXXX XXXX dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate.
I received a correspondence from XXXX XXXXXXXX XXXXXXXX dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate
06/14/2023
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
NJ
08060
Web
Dear Sir/Madam, I am writing to formally dispute the debt collection actions taken by your agency regarding the debt allegedly owed by me. I have discovered numerous violations of consumer credit and banking laws, which have resulted in significant harm to my financial standing, mental well-being, and business operations. I kindly request that you address these violations, rectify the damages caused, and provide appropriate compensation for the distress caused.
XXXX. Illegal Sale of Debt : 2. It has come to my attention that you unlawfully sold my debt without providing me with the required 1099-C form, both to me and the IRS. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and Internal Revenue Service ( IRS ) regulations, which explicitly require the provision of such forms in cases of debt discharge. I demand an immediate explanation for this violation and a remedy for the harm caused by your illegal actions.
3. Harassment and Scare Tactics : 4. Your attempts to intimidate and scare me into making payment through aggressive tactics, including threatening to sue me, are a direct violation of the FDCPA. Such conduct is strictly prohibited under federal law, as it causes unnecessary stress and distress. I insist that you cease all harassment and scare tactics immediately.
5. Credit Reporting Inaccuracies : 6. Your agency 's repeated and incorrect reporting of my account status has resulted in substantial harm to my credit score. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of consumer credit information. As a consequence, I have been unjustly denied approvals for essential business-related matters, severely impacting my ability to operate my business. I demand the immediate correction of all inaccurate credit reporting and the restoration of my credit score to its rightful state.
I am well aware of my rights as a consumer, and I insist that you comply with the following national laws and codes regarding consumer credit and banking violations in the United States : 1. Fair Debt Collection Practices Act ( FDCPA ) 2. Internal Revenue Service ( IRS ) regulations on debt discharge and reporting 3. Fair Credit Reporting Act ( FCRA ) 4. National Banking Laws and Regulations Furthermore, I specifically draw your attention to consumer credit and banking laws applicable in the state of New Jersey ( NJ ) that protect consumers from unfair debt collection practices : 1. New Jersey Fair Debt Collection Practices Act ( NJFDCPA ) 2. New Jersey Consumer Fraud Act ( NJCFA ) I request that you conduct a thorough investigation into the violations outlined above and respond to this dispute within 30 days from the date of this letter. Failure to address and rectify these violations, as well as provide appropriate compensation for the harm caused, may result in legal action being pursued against your agency.
Please direct all correspondence regarding this matter to the address listed above. I expect prompt attention to this dispute, as well as a resolution that fully remedies the damages caused by your agency 's unlawful actions.
Thank you for your immediate attention to this matter.
06/21/2022
Yes
Debt collection
I do not know
Written notification about debt
Didn't receive enough information to verify debt
TX
XXXXX
Web
On XX/XX/XXXX, I sent my final correspondence to Commenity to request that they send me a Validation for an account that appears on my credit profile. I have sent several letters over the past 16 months, requesting this information from Commenity. Please see all prior letters to Commenity and received from Commenity attached to this complaint.
In every response letter from Commenity, the company stated that the account was owned by XXXX XXXX XXXX. I reached out to XXXX XXXX management for several months for this collection agency to provide me with Validation for the account. Ultimately, XXXX XXXX XXXX closed the account and ceased collections. XXXX XXXX XXXX did send me a confirmation letter with that information dated XX/XX/XXXX. I have also attached the letter from XXXX XXXX XXXX to this complaint.
According to my rights under the FCRA I have the right to request Validation of this account. I have sent several requests to Commenity and each request the company refuses to provide Validation or any type of evidence or documentation that this account belongs to me or that I have any obligations to the mentioned account.
I attempted to reach out to Commenity once again on XX/XX/XXXX, asking that they provide Validation for the account. I also stated to Commenity in the letter that the company in which they stated owned the account, XXXX XXXX XXXX has closed the account and ceased collections. I asked in my correspondence that Commenity provide me with the Validation for this account.
Commenity did receive the correspondence on XX/XX/XXXX, as stated on the Certified mail receipt that I have also attached to this complaint.
On XX/XX/XXXX, Commenity sent me a correspondence identical to the response that was sent to me on XX/XX/XXXX. Commenity is still claiming that the account is owned by XXXX XXXX XXXX, even after I provided the documentation to Commenity stating that XXXX XXXX XXXX no longer holds this account, also ceased collections, and closed the account. I called XXXX by phone and requested information regarding this account. The customer service representative informed me that Commenity did not have any information on this account and that the account was sold to XXXX XXXX XXXX, and that if I needed any information, they would provide it. Commenity failure to provide me with the requested information is a clear violation of my rights under the FCRA. Also, the fact that Commenity continues to provide invalid account information is a violation as well.
Commenity has violated my rights under the FCRA section by reporting an unvalidated account to my credit profile and their refusal to Validate the account or provide me with any information about the account. I have disputed this account with XXXX several times and every time the account comes back as verified. How is Commenity able to verify account that they have no information about, furthermore Commenity is in violation of the FCRA for continually reporting this Unvalidated account and failure to provide me with the requested information.
Over 16 months of sending correspondences to Commenity, yet they refuse to provide any information and continues to violate my rights by reporting this account to my credit profiles.
02/25/2023
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with rewards from credit card
TN
376XX
Web
I got the XXXX credit card issued through Comenity Bank which is actually Bread Financial since they were bought out. However, the rebranding they claimed has never happened. But, they had an attractive rewards program with the card which was the ultimate decision maker for me. I have over {$75.00} worth of rewards that Ive never been able to use. They have never showed in my account and when they appear magically on a statement that their credit department sends after I threaten legal action, the rewards code never ever works. Either the system doesnt accept it or it says they have already been used. I was patient enough when I received the first letter over a year ago stating they were revamping their rewards system and would have the correct amounts applied very quickly Apparently this is something that has been going on for at least three years from other complaints Ive read about the exact same thing. When I talk to XXXX the say contact Comenity. Then Comenity says contact XXXX. Its absolutely ridiculous. I have never missed a payment but, I am sue those rewards per their own legal binding contract. I never ever know if their site will be working or not. So many times I have tried to go on there and it says the system is under maintenance or the web page is not valid. Their customer service or should I say kackbthereof is horrid. The people are so rude and clueless. I have gotten the same generic blanket responses when I ask specific questions. Now, I paid my account off and then they add a {$2.00} charge. Surely this isnt legal. My payments have always been made early. I contacted them in regards to this as well. Funny enough, they havent responded. Ive kept my legal obligation by paying my bill and they need to keep theirs. This isnt a new issue. People have complained all over the internet about the very sake things. Now, I did file a complaint with the XXXX and Comenity gives a generic response of researching my claim and then contacting be once they have. This is going back to the first of XXXX.And, still I get no information at all. I understand that response is merely a tactic so the XXXX will close the case. Ive had to go back now to the XXXX and am trying to find out exactly why a case would be closed when companies give XXXX detail. The XXXX should be accountable for their actions or lack there of. There is no sense in having to go over and over this again and again. Whats funny is that in my last rewards correspondence, they gage me amounts if rewards I had. I think they are intentionally defrauding consumers by giving them false information such as rewards dollars tgat cant be used. What they are doing is misleading people for their own gain. People spend money on the XXXX card for the rewards yet they never get them. Comenity just keeps all the profit which is fraud. This isnt acceptable nor tolerable. Im going to end up suing Comenity because of this.Rikes apparently dont apply to then. They would be calling my phone non stop if I were ever late on a payment. They need to be held accountable abd this has to stop. If you dont investigate this thoroughly like they are hoping no one will and have them answer truthfully, l, then it will just get worse and worse.
01/03/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
MI
48224
Web
I received notification from Comenity Bank collections agency in XXXX XXXX that my Victoria Secret credit card account was past due and had been sent to collections because of a {$85.00} balance. I knew right away that it was impossible because I was not carrying a balance on the card ; it had been paid off completely. After calling Comenity I explained there was no way the balance was mine and after investing the matter myself, I discovered that Comenity ( who is the serving bank for Victoria Secret and XXXX XXXX XXXX XXXX XXXX had made an error. I explained that I had used my Victoria Secret at XXXX XXXX XXXX XXXX and placed an online order on XX/XX/XXXX that came to {$140.00}. Weeks later on XX/XX/XXXX, out of the blue, XXXX XXXX XXXX XXXX canceled my order and notified me via email, they were refunding the money for the things I ordered. I thought nothing more of it because I knew I had not used the XXXX card for anything else so my balance would just go back to XXXX. However, some kind of error was made on their part and the refunded amount differed from the actual cost ; the refund amount was {$140.00}, resulting in an unknown balance. Over a period of 5 months with late fees, the balance ultimately resulted in a {$85.00} balance. It should be noted that I never received any part of the order and because I received paperless statements, I did there was no notification of a bill.
Once I figured this out, I informed Comenity of THEIR error and the need for them to make it right right away so it did not affect me negatively. I was informed that a investigation would be opened and it would be processed within 90 days. About few weeks later, I received another call from Comenitys collection department looking for money. I explained that the charges were inaccurate and asked to speak to the customer relations department as the collection agents had no knowledge of the investigation. After speaking with customer relations, if was confirmed that the investigation was in the progress and I should therefore not be receiving any additional calls.
In XXXX, I received an alert from XXXX XXXX XXXX XXXX indicating that I was delinquent and it was being reported to my credit report. I immediately reached out again to Comenity, explained my story again and was rerouted back to customer relations. I was informed that there should not be any collection reporting because the matter was still in dispute and therefore should not be reported. I explained that it was being reported and was told that the matter needed to be escalated to her manager, but because he was gone for the day. She assured me that she would leave a message for him. I asked it the message could be left with high priority, she indicated that she would and request a call back by XXXX the next day. He failed to do so and I received notification today that my credit score has dropped XXXX points. This is pure negligence on Comenitys part and is causing me unnecessary harm, time and stress due to an error made by their organization. I already explained to Comenity that I have documented proof of where the error was made and I could provide it however, this issue has lingered unnecessarily and causing harm to my credit.
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.
09/18/2023
Yes
Credit card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CA
91915
Web
Hi Sir/Mam, Back in XXXX of this year, while shopping at XXXX, XXXX was being informed about a deal/offer that I would receive that would allow me to get a discount on my purchase. The way this was communicated to me, my understanding was that I was going to be opening up a store-specific card ( not a credit card ) something that stores like XXXX XXXX XXXX etc provide. So as a customer I feel extremely deceived since there was miscommunication/false advertising on the store 's front to lure me into opening an account that I wasn't even aware of. On top of that, I never received a physical card, something which I wasn't even actively tracking down since I had no idea that this 'credit card ' account was set up in the first place.
I'm someone who takes pride in my credit score and has never had an account that was not in good standing. So, I was taken aback and sat in utter disbelief when I checked my credit score recently and realized that my sXXXX card has gone delinquent without my knowledge. This has really taken a toll on me ( and my XXXX XXXX ) since in this country, your credit score is everything! I'm someone who's had had a credit score of XXXX for the longest time and now for that to be taken away for something that I wasn't even aware of is extremely malicious and unfair.
Upon this realization, I called Comenity and asked why I haven't received my physical credit card and they said they have sent one but then why have I not received it? I also went above and beyond and made a full payment of the amount ( and some interest ) that I owed on the credit card ( that I had no idea I had ) because I don't want my credit score to take another hit while I investigate and escalate this matter further. But to my surprise, they didn't even send me an email confirmation of the payment when I asked them several times to do so ( according to them, that's just not possible!! ). I just don't understand this behavior!! First of all, I was deceived as a customer and then I still went ahead and took ownership of whatever I could and paid the amount in full and there's still no email confirmation from their end! I'm just really frustrated because I would never not pay my card, that's something against my ethics and I'm financially capable to be able to pay off my cards. But because this was something that was set forth in the pretense of fall advertising, I wasn't aware of the existence of this credit card. Overall, I just don't think it's fair for my credit score to take such a major hit without my fault.
I would sincerely appreciate any help I can get to get this addressed appropriately and disputed off of my credit history. I have noticed in other comments/reviews by other consumers that XXXX has a track record of doing this so looks like this is a broader problem and should be addressed as such so other consumers don't get impacted by similar issues! Please refer to the links below ( I have also attached some screenshots of similar complaints from other customers ).
https : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX? XXXX Thanks in advance for looking into this matter.
Your help is truly appreciated!
Sincerely, XXXX XXXX ( Married name ) XXXX XXXX ( Maiden name )
03/01/2019
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
CA
XXXXX
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!!
03/23/2023
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
56601
Web
Servicemember
I am writing to dispute the late fee and interest scam that continues with XXXX and Comenity Bank. I opened a card account and made purchases at the XXXX XXXX XXXX in XX/XX/XXXX. I received a card statement and I immediately sent check XXXX XXXX on XX/XX/XXXX in the amount of {$60.00} for those purchases. Then my Comenity Bank card statement came XX/XX/XXXX with a late fee of {$30.00} stating my check was not processed until XX/XX/XXXX. The card statement for the {$60.00} was immediately paid and there is no reason why it took 20 days to receive and process the payment. I am not responsible for their incompetence and they had no right to charge me a bogus {$30.00} late fee. I paid the XXXX card statement of {$26.00} ( {$56.00} minus the {$30.00} bogus late fee equals {$26.00} ) with check XXXX XXXX posted XX/XX/XXXX.
XX/XX/XXXX, I received a card statement charging me a late fee of {$37.00} and {$2.00} interest on top of the {$30.00} late fee I refused to pay on the previous statement. This statement claims the payment was not processed until XX/XX/XXXX, so once again it took 20 days for them to receive and process my payment. I called customer service and talked with XXXX regarding these issues and he stated he removed the {$39.00} ( late fee plus interest ) charges from XXXX but could not remove the {$30.00} previous late fee because it was under dispute. I explained the Credit Card Agreement is no longer valid because of this late fee scam, that I have cut up my Comenity Bank card and returned it to Comenity Bank and will never again shop at XXXX. I insisted that all charges be removed from my account but he stated he could not do it. He passed me on to XXXX who was extremely rude, blamed the mail service and refused to discuss my concerns. XXXX passed me on to XXXX who was even more rude and he again blamed the mail service for late payments. I explained I sent in the payment the day I received the card statement and my payment should not have been received or processed as late. He stated the conversation was not productive and hung up on me.
XX/XX/XXXX I received a card statement charging me another late fee of {$37.00} and {$2.00} interest. They claim the refund for {$37.00} and {$2.00} was made on XX/XX/XXXX ; however, on XX/XX/XXXX they charged a late fee debit of {$37.00} along with a {$37.00} late fee on XX/XX/XXXX and another {$2.00} interest charge on XX/XX/XXXX. That is two late fee charges in one month! This statement claims I made purchases of + {$37.00} for a new balance of {$100.00}. I have cut up my card and returned it to their offices, l have told them repeatedly I will make no further purchases or step foot in XXXX XXXX again so I had made no purchases of + {$37.00}.
My dispute letter was sent XX/XX/XXXX, so this has gone on over two months. They continue to harass me with more late fee and interest statement charges.
I claim they purposefully wait until after the payment due date to process my payment and are running a late fee and interest scam. This scam violates the Credit Card Agreement ; therefore the Credit Card Agreement is null and void. I will not pay any and/or all past, current, and future late fee and interest scam charges.
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
01/20/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
GA
303XX
Web
On XX/XX/2022, I went to the Ann Taylor store at the XXXX XXXX XXXX XXXX. Upon checkout, I mentioned to the clerk that I had a XXXX card but didn't have it with me, regretfully. She told me that I could look up my XXXX card and charge it by entering my social security number. I went to the keypad screen and followed the instructions but my card was not found after entering my social security number. She told me that sometimes this happens, that I have to finish the next few screens because the system had to do some type of lookup. I proceeded to finish the next few screens, but it looked to me like it was opening a new credit card, so I asked the clerk, are you sure this is to look up my card because it looks like it is opening a new card? She assured me two times that it was not to open a new credit card. In the end, it seems that the charge went through because I did not provide payment.
Shortly after, to my surprise, I get a new credit card in the mail followed by a call saying my payment was late. On XX/XX/2022, I called the credit card company and expressed my desire to pay off the credit card in full and close the account. I told them that I felt tricked into opening it and it was no secret that my intention was to fully pay off and close the account. They assured me it was closed, and I made payment in full for {$430.00} at the same time. I also called the Ann Taylor store in XXXX and told the management. I didn't want the lady to get in trouble ( and still don't ), but suggested they do better training. The store was apologetic and I considered the issue closed.
However, today, XX/XX/XXXX, I received a mailing which I almost threw away because I know the credit card is closed. Luckily, I opened it. Even though my card is closed, they sent me a bill for {$1.00} saying that I owe them some type of fee. For {$1.00}! When I called and closed the account in XXXX, nothing was mentioned to me about residual payments or interest or fees due on the account. It was abundantly clear I wanted to close it, and THEY REPRESENTED TO ME THAT IT WAS CLOSED.
This is why I am complaining to you now. Had I not opened this mailing, it says I would have owed an additional {$41.00} late fee. It was my complete and total understanding, as well as their representation, that the account was closed. I immediately called the credit card company and to their credit, they took off the {$1.00} charge and confirmed the account was closed ( again ).
However, I wanted to write this complaint for your records because it feels slightly dishonest and a potential trap for unwary consumers. As mentioned, I closed this account and paid it in full, and that was represented to me. I nearly threw away this mailing, which turns out to be a bill for {$1.00}. Had I not opened it, the fees would have just piled up. The whole process has seemed a bit dishonest to me. Luckily, I have the financial means to pay even the {$41.00} late fee. But not everyone does. This does not feel like an honest business practice, to trick someone into opening a card, representing that it's closed, then trick mailing them a {$1.00} invoice, then earning {$41.00} more when they understandably fail to open it.
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.
10/02/2023
Yes
Credit card
Store credit card
Improper use of your report
Reporting company used your report improperly
IL
60615
Web
I am writing to submit a formal complaint against Comenity Bank, specifically in connection with its association with XXXX XXXX, for ongoing violations of the Fair Credit Reporting Act ( FCRA ). This complaint is based on the recent findings in my consumer credit reports from the credit reporting agencies XXXX, XXXX, and XXXX, which indicate that Comenity Bank 's information is being reported in a manner that blatantly contravenes FCRA regulations.
The specific account in question is as follows : XXXX. XXXX XXXX Account # XXXX Despite having raised concerns in the past and having emphasized the importance of adhering to consumer rights and FCRA regulations, it is disheartening to note that Comenity Bank continues to report information in a manner that raises significant doubts about its compliance with the FCRA. The crux of my concerns lies in the classification of my line of credit with your institution as " utilization '' and the categorization of my payment history/status with your company as transactions on my consumer reports.
I firmly believe, based on the relevant legal provisions, that Comenity Bank is unlawfully reporting this information on my consumer reports. I draw your attention to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which explicitly states : " 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The law clearly and unequivocally states that information related to transactions or experiences between the consumer ( myself ) and the person ( Comenity Bank ) making the report should not be included on consumer credit reports. Utilization represents an experience with the line of credit extended between the consumer ( myself ) and your company, and payment history or status inherently involves transactions between the consumer ( myself ) and the person ( Comenity Bank ) making the report. Therefore, both of these aspects should not be reported on my consumer credit reports.
By reporting this information on all of my consumer reports, Comenity Bank appears to be in flagrant violation of the FCRA ( 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ). This not only jeopardizes the accuracy and fairness of my credit reports but also undermines the consumer rights and protections guaranteed under the FCRA.
I hereby request that the Consumer Financial Protection Bureau conducts a thorough and comprehensive investigation into this matter and takes all necessary actions against Comenity Bank for its repeated and ongoing violations of the FCRA. My intention is to ensure that the FCRA regulations are upheld and that consumers like myself are afforded the protections and rights they are entitled to.
Enclosed with this complaint, you will find copies of my consumer credit reports, highlighting the problematic information.
Thank you for your prompt attention to this issue. I trust that your intervention will help rectify this situation and uphold the principles of fair and accurate credit reporting as mandated by the FCRA.
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
765XX
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.
06/19/2023
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
85029
Web
Due to a technical glitch, Comenity Bank is claiming I did not pay my XXXX XXXX Credit Card balance of {$190.00} on XX/XX/XXXX. They say they attempted to charge my bank account on XXXX it was " returned ', and then they submitted the payment again on XXXX. However, my bank statement shows that the payment successfully posted to my bank account twice on XXXX When I became aware of this double charge to my bank account I called Comenity Bank on XXXX and they denied having any record of being paid twice, and advised I call my bank to dispute. I called my bank to dispute and they resolved it on their end. They requested a refund of the second payment from Comenity to resolve it. However, instead of Comenity fixing my XXXX credit Card account to note that they were paid double/twice the amount of my bill on XXXX, as my bank informed them, they instead added a new charge to my XXXX Credit Card of {$190.00} on XX/XX/XXXX. So because they gave my bank money back,, and do not acknowledge that they were paid twice, they are essentially saying I never paid and owe the original amount plus months of late fees. To make matters worse, I was not aware of any of this until XXXX XXXX. Not having received any statements after making my payment on XX/XX/XXXX, in XXXX of XXXX I was surprised to receive a message on my phone stating that I owe money to XXXX when I thought I was paid IN FULL. When I called to resolve they stated that they had called me over 16 times, and sent letters, of which I had no records of either. They said I had over {$190.00} in late fees, which they credited back when they realized they had an incorrect address for me, but said I still owed {$190.00} plus other late fees. After hours on the phone with them, being hung up on by their dispute department more times that I can count, despite being exceptionally patient, they finally told me I could submit my bank statement to show that I paid twice on XXXX Even after submitting my bank statement & dispute, XXXX refuses to acknowledge their glitch and error that there was no " return '' on XXXX, and still insist I owe them {$190.00} plus additional late fees that have accrued since the " refund '' requested by my bank in XXXX. I also found out that my previously pristine credit score of over 800 has been significantly reduced due to this single issue. In XXXX they sent me a letter stating my " request for a credit '' was received and they were providing me a credit of {$93.00}. When I called Comenity to understand where that number came from, XXXX Credit Card staff told me they did not understand what the credit was even for. They told me that I can only mail another dispute. At this time I researched Comenity and found that they have a XXXX XXXX XXXX rating of XXXX, and hundreds of similar complaints. I filed a complaint in XXXX of XXXX with the XXXX XXXX XXXX and was told by them that Comenity will respond to me directly. I have yet to receive a response from Comenity, now more than 60 days after submitting the complaint. They refuse to take responsibility for their glitch and have significantly harmed my credit. See attachments for supporting documentation and a more detailed explanation.
02/03/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
11763
Web
In XX/XX/XXXX, I was contacted by at XXXX XXXX ( XXXX ) to settle a pass due account balance. The representative who called me, explained that the account has already been closed, and offered me a settlement to pay off the account in full, in which I accepted. The representative told me that she would remove the additional late charges, ( the fee was totaling around {$180.00} ) after the three successful payments had cleared. She explained that after the last and final payment of {$50.00} had cleared from my bank, she would credit the remaining late charges, and my balance would be {$0.00}, she said that her system only allowed her to set up a certain amount on that day, and she would personal go back and correct it once the payment cleared. I then arranged for the settlement offer, she refunded {$28.00} and {$62.00} on XX/XX/XXXX for the first {$100.00} payment on XX/XX/XXXX and the second {$100.00} payment on XX/XX/XXXX, the last payment was set up for XX/XX/XXXX for the remaining {$50.00}, this payment cleared, and the account should have been paid in full, but the representative never went back in to process the additional late fee credits like promised. I was under the understanding that I no longer owed a balance to XXXX XXXX XXXX, until I got an email that my statement was available, and I suddenly had a large balance again. I received the statement and realized that she never credits me the late fees, but instead started adding additional fees to the account, and now its reporting negative on my credit report, when it should have already settled. This error happened on their end, and they refuse to correct it. I contacted them multiple times about this issue, spending hours speaking to supervisors and the collection department, only to be told that they would take care of it as soon as possible. When I call back, to check the status, they act as if they dont know anything about my situation, they keep transferring me to different departments, no one wanted to be bothered. Finally I contacted someone that seem to want to help me, I explained what had happened, and the agreement that the representative had made with me, she found the date that the agreement was made, and said that she was going to pull the recording, I was so happy that finally they would be able to listen to the settlement agreement that was made, but after a long wait on hold, she returned, claiming that something was wrong with the recording, and she would refer my complaint to a different department, that they would take care of it. After reviewing a statement last month XX/XX/XXXX, it appears that they credited the late fees in XX/XX/XXXX but left the new late fees that was still occurring because the late fees that was added to the late fee that should have been removed in the first place. The account was closed, my original credit limit was {$250.00}, now suddenly my account is open with a credit limit of {$100.00}, and they are still adding late fees to my account. I spoke to XXXX on XX/XX/XXXX who referred me to collection department XXXX ref # XXXX and XXXX XXXX in collections, who referred me to XXXXXXXX XXXX XXXXXXXX, no one wants to help me with my issue.
05/02/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
MI
48911
Web
On XX/XX/XXXX, I went into my local XXXX store and made some purchases. As I was cashing out, the sales associate asked if I wanted to open a XXXX XXXX credit card. I explained that I had one many years ago and I wasn't sure if I was still in the system. They asked for my driver 's license and had me enter my social security number and they indicated that they were re-opening my account. When I received the card in the mail, it had my husband 's name on the account. That was perplexing since my husband never had anything to do with my XXXX XXXX credit card in the past, nor at this point since he is dead. I called the credit card company to get this corrected and it was determined that they had MY SSN on the account but somehow my husband 's name was in the Comenity system. I explained the situation and they told me without speaking to my husband, they couldn't provide me with any information or make changes. I reminded them that he is dead. They then told me that I could mail them an official copy of his death certificate. His death was traumatic, painful and still fresh. I decided that I would plan to close the account after I did my returns, etc. I made my final transactions and called on XX/XX/XXXX ( pymt due XX/XX/XXXX ) to pay the total amount off and close the account. I paid the amount it prompted me with to pay it off in full. I explained the situation to the attendant and advised her that I wanted the account closed. Initially she told me they couldn't do that since I wasn't the card holder. After enough debate, since if my husband was alive, he wouldn't be able to provide my SSN- they really just had an unusual mess. She said it would be closed. I then received a bill for the next cycle showing that I owed an additional XXXX. When I called on XX/XX/XXXX, I made the payment to " pay in full '' and made a good faith effort to do that. I thought, due to the conversation I had with the person on XX/XX/XXXX that this was likely an error and would be cleared up as they closed the account, etc. The following month I received a bill for XXXX. I called on XX/XX/XXXX and learned through the automated system that the account was still open. After listening to all of the options on the automated system, I discovered I could close the account by selecting that particular option. Poof - done without speaking to a person or an issue due to the name being incorrect, etc. I then asked to speak to someone, I asked to speak to a supervisor. XXXX, a senior supervisor, took over my call. I explained the situation. I advised her that XXXX XXXX was able to close my husband 's credit card by searching for his obituary online and confirming information with me. XXXX suggested I mail in my husband 's death certificate. I explained I will not be doing that - it's painful enough going through loss, then to have to deal with something like this that THEY created, and furthermore, I wanted the fees waived. She said she would pass that request along. She stated she completed a form indicating my husband had died and gave me Conf # XXXX. Comenity has seemingly decided to ignore my request, despite the upset they have created me AND I paid them in full, on time.
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
902XX
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!
11/23/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
FL
33647
Web
The company shared my info to third party without my consent and without giving me the option to opt out. My family and I are being damaged by the remarks on my credit report, preventing us to pursue a happy life.
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as autorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
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.
06/03/2023
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
75126
Web
I applied for a pre-qualification for XXXX on XX/XX/23 the application was immediately pre-approved, when attempting to complete the entire application, I was given an system error, I contacted Comenity Capital Bank the customer service rep stated that I would get a letter in the mail I explained that it didn't allow me to complete the application but provide a pre-qualification of XXXX. On XX/XX/23 XXXX rec 'd a letter requesting for additional information, I provide the attached documents from the list they provided, Car registration, copy of my ss card, utility bill ( XXXX XXXX XXXX ), and XXXX from XXXX which has all of my information, I provide the car registration because the XXXX has an incorrect address.
I reached out to Account Protection Department on XX/XX/23 to get status on my application and was informed that my information had not been reviewed but he was able to see it ask that I allow a few more days, not once did he mention that my other accounts were restricted due to investigation. On XX/XX/23 I am at XXXXXXXX XXXX XXXX attempting to make a purchase and it was declined, I first thought that maybe it was because I had not used my card at that store.
I reached out to Comenity and was informed that all of my cards were restricted because I had more than one card with this company, I stated that does not make sense and she stated that only a supervisor could assist me, I requested to speak to one and was placed on hold for 48 mins without any response, I called back and spoke to another male provide my information and he stated that my account was on restriction because of fraud, I stated how is that when I have not reported any fraud and all of my accounts are XXXX balance, I have a hard time hearing him as his child was crying in the background, stated that only a supervisor can assist me I requested again to speak to XXXX, he place me on hold no one came to the phone.
I called back and spoke with another customer service rep and explained everything she stated that my account was restricted but she did not know why and I would need to speak to a supervisor. She places me on hold for about XXXX a supervisor came to the phone.
I explained to the supervisor all that has occurred and now I am being informed that she is not able to help me and she was not sure who would assist it was stated that I just have to wait until someone reach out to me. I explained that does not make any sense when I have been told by XXXX different people that a supervisor can help me and now she's laughing in the background. I requested to speak with a manager she stated there was no one for me to speak with.
I explained I have a XXXX balance on all of my accounts, and I have provided all of the requested information, and this is not right that she is not trying to assist. I asked what if I was out of town and she stated it happens all of the time. This whole conversation was unprofessional.
I have attached the requested documents that were requested and sent to Comenity Capital Bank Account Protection Department. they were validated that they were rec 'd by Account Protection Department. The Ref # XXXX for this case.
11/14/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
NC
28262
Web
I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 and The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2091 ( 2010 ).
15 U.S.C 1681 section 602 A states I have the right to privacy.
15 U.S.C 1681 section 604 A Section 2, it also states a consumer reporting agency can not furnish accounts without my written instructions.
15 U.S.C 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
15 U.S.C $ 1681c-, a consumer reporting agency 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 4 business days after date of receipt.
Please apply any of these laws to my accounts : The Fair Debit Collection practices ACT Law 111-203, Title X, 124 STAT. 2092 ( 2010 ). Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 ( FCRA ).
Account Name : XXXX Date Filled : XX/XX/XXXX Type of Account : Installment/Auto Loan Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report.
Account Name : XXXX XXXX Date Filled : XX/XX/XXXX Type of Account : Collection Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report.
Account Name : XXXX ( Original Creditor : XXXX XXXX ) Date Filled : XX/XX/XXXX Type of Account : Collection Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report.
Account Name : XXXX Date Filled : XX/XX/XXXX Type of Account : Charge account Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report.
Account Name : XXXX XXXX Date Filled : XX/XX/XXXX Type of Account : XXXX XXXX XXXX Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report.
Please remove any inquiries and all unauthorized inquiries from my report as I have no knowledge of ever filling any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privity to any of these filings.
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
02/27/2018
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
IA
507XX
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
08/09/2023
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
33068
Web
According to the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is articulated that : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Both XXXX and XXXX qualify as consumer reporting agencies, and I am the designated consumer in this context. My right to privacy, specifically to ensure that my personal information remains confidential, is underscored by 15 USC 6801 : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' For clarity, the [ Furnisher of information to credit agencies ] falls under the definition of a financial institution according to this title.
Further, 15 USC 1681, section 604a, section 2, highlights that : " In general, 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. '' Neither the [ Furnisher of information to credit agencies ], nor the consumer reporting agencies XXXX and XXXX, possess my explicit or written consent to furnish this data. I hereby revoke all forms of consent - verbal, non-verbal, written, implied, or otherwise - given to XXXX, XXXX, and the [ Furnisher of information to credit agencies ].
Moreover, 15 USC 6802 ( b ) ( c ) specifies : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The [ Furnisher of information to credit agencies ] failed to notify me about my right to exercise my nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' The account in question is an adverse item being reported without my consent, in direct violation of the law. Furthermore, 15 U.S. Code 1681s-2 ( A ) ( 1 ) A declares : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' While 15 U.S. Code 1681e insists : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
It appears that XXXX and XXXX are failing to uphold these reasonable procedures. Lastly, 12 CFR 1016.7 reiterates : " A consumer may exercise the right to opt out at any time. '' I am formally exercising my right and opting out of your reporting services.
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
481XX
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
XXXXX
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.
10/19/2023
Yes
Credit card
General-purpose credit card or charge card
Closing your account
Company closed your account
MO
652XX
Web
I paid off my Caesars credit card, through comenity bank, in full on XXXX XXXX, 2023. As I was paying the card off online, I noticed that my card was registered to an old email account that I no longer have access to. I successfully changed my email address on their site, not knowing that this would raise a security concern and would suspend my account. On XX/XX/XXXX, I attempted to use the card again for the first time, and it was declined. I was never informed or emailed that my account had been suspended due to a security concern. I called comenity bank first thing Monday morning on XX/XX/XXXX. The individual that I spoke to, had me verify several personal aspects of information including my email and phone number. I informed him that I recently changed my email because I no longer had access to the one that was originally listed on the account. After a short hold, he informed me that Comenity bank was in the process of reviewing my account and that I would receive a letter in a few days regarding the security issue. On Friday, XXXX the XXXX, I had still not received any further communication from Comenity bank, I called them again. This time I spoke with a lady who informed me that a letter was sent out, requesting that I submit a photo of my driver 's license, ss card, and utility bill. She told me that rather than wait for the letter ( which she felt I should have already received ) I should simply send the info to the email address which she would provide me. I was informed that once this information was reviewed then my account would be returned to normal. Although I was hesitant to send sensitive information through email, I complied with the request. On Saturday, XX/XX/XXXX, I received a letter from Comenity informing me that my account had been suspended due to a security concern ( the first time I had been informed through writing ), and that I needed to contact them within 30 days of receiving the letter or my account would be terminated. On Monday, XX/XX/XXXX, I called Comenity who informed me that my account had been closed. When I inquired to the reason, I was informed that the information that I sent to them was not approved. I requested to know why ( after all it was my actual driver 's license, ss card, and utility bill ). They informed me that they would not release that information and that I could send the items again if I so desired. I informed them of the recent letter that I received, telling me that I had 30 days to contact them, they stated that because I submitted my information via email then the 30 day period was no longer valid. I finally concluded the call mentally exhausted from the back and forth. The following day, XX/XX/XXXX, I received a letter in the mail which requested the personal forms which I had already submitted ( driver 's license, SS card, and utility bill ). On the back of this letter, it stated that all items must be sent via pdf or they would not be accepted ( I was not aware of this previously ). I resubmitted the forms on Tuesday, XX/XX/XXXX in a pdf format. My account is still closed, and I have not received any communication from Comenity.
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?
10/11/2023
Yes
Credit card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
NJ
077XX
Web
I use the Comenity NFL Points credit card only because they took over for XXXX XXXX NFL program and I use points towards NFL ticket purchases, etc, and have been having NOTHING but problems since they took over, which I will not go into every detail at this time, just a major issue I am having and have had numerous times since their inception.. I have a $ XXXX credit line which I have always PAY IN FULL each month. At this moment in time my account shows $ XXXX available credit, yet I can not make a {$20.00} XXXX purchase or buy {$4.00} worth of postage as it is being declined.
The bank is all over the place with their responses to me, however I see this to be a problem. Up until recently and for the past XXXX years I've had a credit card, if I make a payment and it shows posted, I have access to that available credit. Not so much here. This morning I look at my credit line directly from their website ( which I pay off completely each month ), it shows I have a credit limit of $ XXXX with a current balance of $ XXXX, leaving $ XXXX available credit ( it's their math, not mine- I'll show attachment ), however when I try to ship a package and run a postage for a measly {$4.00}, it is declined for lack of funds.
Now, from what I gather from the many many times I've reached out to them, their lack of posting my payments in a timely manner causes different credit charges to be declined. From what I am trying to comprehend, but can not, is that if I show $ XXXX available to me and I try to run a say {$5000.00} credit card charge and it is declined for whatever their reasoning, they actually place a temporary hold on that money for up to 7 days. Now say that $ XXXX is tried to be run again, as my credit line still says $ XXXX available to me, they hold yet ANOTHER $ XXXX for up to 7 days. Now let 's just say there's a random {$500.00} charge declined, and maybe a {$450.00} charge declined, it adds up and keeps a hold on my available credit line. All while showing me that $ XXXX is available. Now, lets say I make a {$4000.00} payment and a {$3000.00} payment, it then immediately shows me I have $ XXXX, BUT, here 's the kicker, I can not use that money for 7 days either, which happened all of a sudden and was never this way for my XXXX years of using credit cards. They say it's for MY PROTECTION. All while other transactions are being declined and then still adding up and being held for up to 7 days. It's a massive circle.. Just yesterday I get a " Fraud Alert '' on my cell phone asking if I approved a {$400.00} purchase from such and such, and I responded yes, and they respond cool thank you, they STILL DECLINED THE CHARGE, forcing the person I approved to try and run the card again, thus holding my money for up to another week.
Oh while I'm at it, I paid my card in full last month, yet they still charged me interest for some unknown reason..
I have STELLAR credit and Comenity is making me out to be a degenerate. I hold my breath each time I use this card in fear of it not working. The ONLY REASON I keep this card is for the NFL points I've accumulated and I use constantly.
11/25/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
PA
19382
Web
My Triple A credit card was transferred from XXXX XXXX XXXXXXXX to Comenity Bank in XXXX. I pay this card balance in full every month using my checking account bill pay option. The full payment was made in XXXX and the only change to the payment for XXXX was the amount. The XXXX payment was due on XX/XX/XXXX, the electronic transfer was made by my bank on XX/XX/XXXX and according to my bank, was received by Comenity on XX/XX/XXXX ( the due date of the bill ) in the amount of {$2200.00}. Comenity has not applied the payment to my account and I have sent several messages referencing making payments thru their website despite my explaining repeatedly that it was a billpay thru my checking account. On XX/XX/XXXX I spoke with an agent ( XXXX XXXX and she stated that I would not be penalized or charged interest on the balance.
I requested a stop payment on the payment thru my checking account and they provided documentation that my payment was made and received. I submitted the documentation to Comenity. My next statement included a finance charge of {$84.00}. More requests wee submitted thru Comenity 's online communication system to remove the charge, credit the payment and correct the rewards that have stopped accumulating. Comenity 's response was that they were not " able '' to remove the finance charges as they are " correct '' because the bill wasn't paid in full the prior month. They stated they were 'investigating ' the payment and it would take XXXX days. So I have to pay an interest charge because they failed to process a payment correctly. I have to pay the balance again to avoid finance charges for a second month ( and a third ).
None of these problems occurred with XXXX XXXX XXXXXXXX. When Commenity took over the account, they didn't send a bill, but sent an e-mail stating to make sure payments were made on time since they changed the due date. Their website is frequently down, so getting the payment information without a paper bill was a challenge. Their responses are obviously 'canned ' responses and the person handling their customer service demonstrates a lack of interest in actually resolving the issue. I spoke with XXXX on XX/XX/XXXX and she made her annoyance with dealing with my call obvious.
I am seeking the correct application of my payment, retroactively posted to the due date. The removal of the interest charges. I would like these adjustments made in a timely manner so I can pay the actual amount due for the next statement billing date and not pay for the previous payment again and paying the interest. At least suspend those charges until the investigation into the payment is completed.
After several attempts to send an online communication and having their website down, I looked to XXXX to reach them and found that most of the comments were very similar to mine. That the transition from XXXX XXXX XXXXXXXX was a disaster, that Comenity does not apply payments correctly or promptly, that their website is dysfunctional, and that their customer service agents are not helpful.
Thank you for your time and attention and any assistance you can offer.
03/14/2023
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
48152
Web
In late XX/XX/XXXX, I received an item which I had purchased through an on-line auction site ( XXXX ). The item was stated " New Condition '' and the website has very specific parameters for what qualifies as " New Condition ''.
The item arrived in XXXX, and was found to be not new condition as was later confirmed through an email directly with the seller ( XXXX XXXX XXXX XXXX ). The seller ceased communicating with me.
On XX/XX/XXXX, I contacted Comenity Bank Mastercard to initiate the dispute. I uploaded a written statement and documentation including screenshots of the website requirements, and the emails with the seller. Comenity bank stated that they initiated the investigation, and would have a resolution within 90 days. I uploaded additional supporting documentation on XX/XX/XXXX. I was verbally advised the amount ( {$1400.00} ) would be provisionally credited and no finance charges would accrue. The {$1400.00} charge did appear on my statement. I called Comenity bank to ask if I should pay this amount despite what I was told regarding a provisional credit. At that time they confirmed I should not pay the amount. As instructed, I did not pay the amount and was charged {$27.00} finance charge on my next statement. When I called back in regarding this charge, I was told that I had been misinformed. ( As a side note, during a conversation with XXXX, a supervisor, on XXXX at XXXX XXXX she confirmed that finance charge should not have been assessed and she reversed the {$27.00} charge ) On XX/XX/XXXX, I inquired about the investigation and was told it may take up to 60 days to complete. In XXXX, they then changed it 90 days for resolution. There were 6 electronic correspondences in XXXX - none offer resolutions of any kind.
On XX/XX/XXXX, after XXXX minutes on hold, I spoke to XXXX who simply confirmed the investigation was still in process. On XX/XX/XXXX and XXXX, XXXX, I received electronic responses to 2 inquiries regarding status. Those responses simply stated the investigation was still in process.
On XX/XX/XXXX I called Comenity, and was again told the investigation was in process. At this time I was informed that it could take " 90 business days '' to receive a resolution. I was also told they are waiting on the seller to " work with them ''. ( Why would a seller voluntarily return money for a mistake he made? He will never cooperate willingly, just like he refused to cooperate with me ) It was at this time that XXXX, a supervisor, realized the finance charge error and credited it back to my account. Per Comenity Bank policy, the amount in question ( XXXX ) should have also been reversed until conclusion of the investigation as well - but it was not.
On XX/XX/XXXX, XXXX AM I called Comenity bank again. First I spoke with XXXX- but she couldn't answer the questions. So she referred me to XXXX, an account specialist. XXXX forwarded me to XXXX, who said they were still working on the dispute- which was initiated on XX/XX/XXXX!
Clearly I am being stonewalled. They continue to move deadline dates and hope I quit.
Thank you for your assistance in this matter.
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
840XX
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
068XX
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
03/17/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MN
553XX
Web
We opened a XXXX Credit Card in early XXXX at a retail store.
XX/XX/XXXX, we were informed the account was past due. We called in and discovered the employee in the retail store entered our address into the system incorrectly causing us to never get the card or bills. We called the support number, got a XXXX late fee removed from the account, paid XXXX and were told the account was now up to date. We were also told that they had fixed the errors on our address and would be sending us a new card and bill so we could access the account via online services to verify balance, address etc.
Unfortunately no card arrived, no bill arrived. Our next contact was XX/XX/XXXX when we called in after getting a notification via SMS that the account was again past due.
We called in, frustrated and wanting to be done with it. We talked to another agent, were informed our address was incorrect in the system ( was missing part of the street name ) and the agent had fixed our address, issued a new card, and would reverse one late fee. After the reversal we owed {$XXXX} and agreed to paid the {$XXXX} left to bring our account to zero and no longer get harassed by ComenityXXXX about late fees and overdue balances.
On XX/XX/XXXX we got another notification that our account was past due with a large balance needing to be paid. We called again, spoke to an agent named XXXX and were told that they were able to locate the issue with the account. Even though we called and talked to someone XX/XX/XXXX, the agent did not post the fee reversal until the following bill cycle, causing our account to not be at a zero balance as the agent had stated. Along with that, our address was never correct in the system, causing us to not get the bills or card required to set up an online account and see balances, etc.
After being on the phone with XXXX for over an hour, we were able to get confirmation that we would get our bill, a card to set up online account access, and that the account was now at a zero balance with all fees reversed. XXXX was very helpful and provided detailed notes about the account late fee removal being applied incorrectly and worked hard to help us get our account fixed. XXXX was kind enough to tell us that the internal system showed the bills, cards, etc were being returned as address incorrect from USPS, but for some reason the credit provider did not call the number on file they called when the account was past due to rectify the address situation.
In early XXXX we got our first bill and our new card! Unfortunately, our account statement shows none of the balance adjustments XXXX said would be applied got applied. We reached out via the online message system on XX/XX/XXXX as all forms of phone based communication seem to result in actions being performed incorrectly. We recieved a respone on XX/XX/XXXX from XXXX informing us that they will not be assisting us with fixing or reviewing our account and we must pay the additional late fees charged due to customer service representatives inability to process payment correctly. They are unwilling to help us resolve this issue.
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
01/25/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
CO
80922
Web
Servicemember
On XX/XX/XXXX I made a payment to my XXXX account for {$2600.00}. My minimum due at that time was {$340.00}. The extra amount was {$2300.00}. I called and requested that the promotional plan ( Ending on XX/XX/XXXX ) be paid in full with the extra payment I had just made. The balance on the statement for the promotional plan was for {$2200.00}, this was to avoid paying the interest of {$820.00} that was accrued. I called and spoke with a representative as I had been directed in the past to do if I wanted to allocate the payment to a specific plan. The representative that I spoke with assured that the payment would be applied to the promotional plan ending on XX/XX/XXXX and that the promotional balance would be met and paid in full.
Instead, the additional payment was applied to a promotional plan, which was a reduced interest plan for 60 months. The payment made was for the exact amount which needed to be paid to the other promotional plan ( {$2200.00} ) which made it easier to follow the mistake. I called customer service again on XX/XX/XXXX to get it corrected and they told me they would submit a dispute. I spoke with XXXX, rep XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX. He assured that he was filing a dispute because it had not been done previously and that it would be taken care of.
On XX/XX/XXXX I was charged interest for the expiring promotional plan, ( Ending on XX/XX/XXXX ) in the amount of {$940.00}. I again called XXXX on XX/XX/XXXX and spoke with a representative that reassured me this would be corrected in due time and to be patient. I understand that these things can take some time to investigate but this is not the first time that I have had this issue. I made an extra payment on XX/XX/XXXX for {$1000.00} which was the minimum and extra to be allocated to the plan expiring on XX/XX/XXXX for {$470.00}. I called and requested that the payment be applied to the promotional balance for that plan also. When it didnt get applied I called again and submitted a dispute for the interest of {$47.00} and I was assured that it would be handled.
IT NEVER WAS CREDITED, I NEVER RECEIVED ANY NOTICE OF RESOLUTION. So you can imagine how I do not trust company assurances. Now I am having to pay almost {$1000.00} extra in interest for plans that I paid in advance and followed the procedures and steps that I was given by representatives at XXXX XXXX XXXXComenity Bank .
I am asking for an expedited review of my account and a refund for the full amount of extra interest that I have been billed for. I have paid the plans before they were due and called in ahead of time to make sure I requested the allocation. This error is not on me, this is a result of your Comenity Bank. Please help me correct these errors and work to form a resolution that will prevent this from happening again either to me or to other customers as Im sure I am not the only XXXX. I mailed a letter to them as well requesting review. I received an update confirming that I did make a payment on XX/XX/XXXX for {$1000.00}, which was not the issue. At this point I am out almost {$1000.00}
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.
07/07/2022
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
CA
92069
Web
XXXX is a XXXX credit card financed through XXXX XXXX XXXXank XXXX The card had a fraudulent charge on it back in XX/XX/XXXX, and since getting that resolved, my card has been unable to be used to make purchases online ( which for a while was the only way to purchase from XXXX, store-pickup included, during the forced lockdowns ). I sent secure emails to the company several times explaining that my card wasn't working, asking if the new card maybe wasn't activated ( turns out it's a pre-activated card, no activation required ). Twice after, I requested replacement card, and for almost 2 years, my card/account didn't work on XXXX 's XXXX ( the location near me closed in XXXX, so I hadn't tried it in store ). I ended up near a location, and decided to try an in-store purchase, back in XXXX, and it finally worked. It STILL did not work for online purchases shortly after, in a test purchase. But the in-store worked. My statement came due, and I thought my previous auto pay ( set up from about XXXX years ago when the card was still actually working ) was still active. I guess it wasn't, and I incurred a late fee. I attempted to call the customer service line, but the automated message played and eventually the call disconnected. Turns out Comenity has a HUGE system outage/business outage. There are no customer service reps that I've been able to reach ; I can almost never get into my online account ( through XXXX and my other Comenity credit card through XXXX ) so I can't verify dates on anything. While the late payment was my fault as I had unfortunately not checked whether my old auto-pay was still set up, I am unable to come to a resolution with Comenity because they are currently not engaging with customers. There phone system is still giving a useless automated message and then disconnecting, so I can't talk to a person. I was able to use their " XXXX '' system to make a payment to cover the minimum/late fee + extra, but it is taking longer than usual to appear on my XXXX account XXXX during the XXXX minutes I was able to get into it earlier today. This is especially frustrating as I haven't even been able to use my XXXX card for about XXXX years, and now all of this goes down shortly after I was finally able to get it to work. I just want to negotiate with Comenity to hopefully remove the late fee, but I will pay it if they decline ; yet I can't even get a real person on the phone to help with this issue. Filing a report because this ultimately seems unacceptable that there is no way to contact customer support during such a ridiculous " outage '' ( that they're claiming )- are the customer service representatives working outside of their job descriptions as technical engineers?? Where is customer service? Basically, I was unable to use my card for over a year, my auto-pay didn't remain active, and I was charged a late fee that I just want to attempt to speak with someone about. ( I am unable to get documents, as the websites are all nearly impossible to get into. I have only been able to log in on XXXX occasions, after dozens of login attempts. )
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
173XX
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.
09/13/2023
Yes
Credit 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
325XX
Web
Servicemember
On XX/XX/XXXX my fiance and I purchased XXXX XXXX engagement ring in XXXX gold at Kay Jewlers. I dropped the ring off on XXXX and picked up XX/XX/XXXX to get it sized and then again XX/XX/XXXX and picked up XXXX because it was still too big. I'm a XXXX XXXX and most XXXX prefer no jewelry to be worn while working so I always remove the ring before work. I had noticed in a few days after picking up the ring the band was becoming distorted and was becoming more oval then round. I am having my engagement party on Saturday XX/XX/XXXX and clearly wanted to be wearing my engagement ring so I was planning on addressing the issue after the party. Well, last Sunday XX/XX/XXXX I was looking at my ring and noticed diamond on the side was missing. The next afternoon ( XXXX XXXX ) I went by the store in panic mood to now address two issues I'm having with the ring and not to mention the fact my engagement party is coming up the following weekend, my ring is falling part and I have barely had it in my possession since I purchased it. The store manager was very helpful and did explain that XXXX gold is more softer then a XXXX or XXXX gold and that could be the root of my problems. When originally purchasing the ring that was never mentioned by my salesperson and if I knew that I definitely would have gone with a lesser quality of gold to prevent what has happened. I told the manager I'm open to pick out another ring but the store didn't have much of a selection for yellow gold so I was even willing to pick something else out in a white gold. While I was looking at some other rings, eventually finding one that I would consider purchasing which was at a higher price. The manager did have to call the district manager to get his approval in order to proceed with the exchange and I was denied. I then reached out to customer care on XX/XX/XXXX explaining my problems with the ring and was just trying to exchange for something else and how desperately this is important because my upcoming engagement party. The customer service agent was very apologetic and agreed with my concerns and said that she would reach out to the store when they opened to let them know I would be returning to the store to pick out another the ring. Customer service called me back later in the day and explained that the district manager would need to approve the exchange and would here back soon, especially since my engagement party is in now 2 days. Well, I have heard nothing from Kay 's! I was open to exchange but now seeing Kay 's lack of concern and accountability I'm requesting to return for full refunded and personally want to thank them for me being ringless for my engagement party. Reached out to customer service again XX/XX/XXXX to follow up and nothing in notes indicated any type of follow up since speaking to customer care on XXXX. Today XX/XX/XXXX I tried to reach out to XXXX XXXX ( whom my Kay 's credit card is issued from ) to place account on hold until this issue resolved but kept asking me if I contacted the merchandiser. Yes, of course a week ago and have heard nothing.
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.
04/17/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MS
394XX
Web
I have several store credit cards under the ownership of Comenity and the problem arose on XX/XX/XXXX. My Ulta credit card payment was due and I made the payment on that day ( XX/XX/XXXX ). No sooner than I paid, I received a text to saying to contact Comenity regarding my XXXX card. So I called and at the time, the recording stated my last payment was made i. XXXX along with the amount and that next payment of {$25.00} is due XX/XX/XXXX. So I didnt seek to speak with anyone. They may have sent another email the following Wednesday so again I called the number associated with how I make my phone payments/ same number on back of card and again it was NEVER stated that a payment was missing or late, but what I noticed is that date went from XX/XX/XXXX to XX/XX/XXXX and neither dates had passed ( still has not ). But that day I got a call prior to my mothers home health aid leaving for the day and although Im good at writing down names, I cant recall this guys name nor did I write it down. but he proceeded to advise that i missed a payment and I asked me to confirm the account used for last payment as well as if I wanted to make a payment.. I was going to say yes and then I stated wait, I just paid the bill on the XXXX and he stated its for the XXXX bill not the Ulta that he is trying to get payment for and i stated my payment is not due and also when a payment is late when you call the automation it provides that information. I had not received an email or anything else indicating his facts were accurate and tried to explain that but he wanted to over talk me and just be non customer service friendly so I demanded to speak with someone other than him, I had to request more than 5 times and he stated he would get his supervisor but that never happened. So i called the number on the back of my XXXX card again and ask that my mothers aid listen to it as well and once she competed that i asked if it indicated i had missed a payment and she stated no and proceeded to confirm that XXXX is balance and that is due on XX/XX/XXXX. So I sent feedback to comenity ( have yet to hear from them ) and on XX/XX/XXXX. I missed a call of which may have been automated as a message was left regarding this unresolved issue and so it was again that I called the number on back of XXXX card only for it to indicate my payment is due on XX/XX/XXXX for the amount of the statement {$25.00}. Now due to so much going on with both of my parents having XXXX and me pulling the bill of wait for care, I tend to forget my own business as why I rely on my handwritten information for monthly bills, my reminder in my phone with dates, as well as my email to keep me solid and current with my bills. Now I dont know what kind of books are being kept with my creditor nor am I unsure there is another card somewhere in my name ( due to compromised XXXX wallet was stolen that contained both my small diploma, social security card, and license ( when license used the ss # ) when I was XXXX. I wish for this to be resolved as Im sure im current and dont appreciate these type of tactics.
11/24/2023
Yes
Credit card
General-purpose credit card or charge card
Problem with a company's investigation into an existing problem
Their investigation did not fix an error on your report
GA
30228
Web
NOTICE OF DEFAULT and OPPORTUNITY TO CURE Notice to Principal is Notice to Agent / Notice to Agent is Notice to Principal Sworn Statement Affidavit FROM : XXXX XXXX XXXX XXXX Way XXXX, GA XXXX TO : Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX DATE : XX/XX/2023 VIA : Certified Mail # XXXX RE : Loan Account # XXXX hereinafter Loan This is a Notice of Fault and Opportunity to Cure upon the presentments enclosed within the Certified Mailing, received by the COMENITY BANK on XX/XX/2023 and as evidenced by Certified Mail # XXXX.
By the terms and conditions of the agreement contained in that document, since XXXX XXXX disputed the alleged debt, COMENITY BANK was under obligation to timely and in good faith provide full validation and verification by providing the promissory note and signed contract with my two wet signatures of the debt under penalty of perjury within twenty ( 20 ) days pursuant to UCC and FDCPA or request an extension of time. Instead COMENITY BANK provided a black credit card agreement with no signature.
The COMENITY BANKs failure to honor the offer places COMENITY BANK at fault. This is the XXXX XXXX 's good faith offer to extend the time by an additional five ( 5 ) days from date of delivery to give the COMENITY BANK an opportunity to cure COMENITY BANK Bank 's fault, to make the required presentment and to cure COMENITY BANK Bank 's fault.
Should the COMENITY BANK fail, refuse or neglect to respond to this Notice of Fault and Opportunity to Cure, XXXX XXXX will enter a Notice of Default, as second witness, upon the COMENITY BANK.
Of this presentment the COMENITY BANK should take due Notice and heed, and govern oneself accordingly under the FCRA regulations. I will have all rights to sue COMENITY BANK for willful non-compliance and seek economic and emotional damages under the FCRA and contract law regulations.
If COMENITY BANK Bank can not validate and verify with a promissory note and contract with my two wet signatures, then COMENITY BANK Bank needs to delete and remove this account from my credit profile, because it is ruining my credit worthiness to purchase a home.
Fault : " American Law - Negligence ; an error or defect of judgment or of conduct ; any deviation from prudence, duty, or rectitude ; any shortcoming, or neglect of care or performance resulting from inattention, incapacity, or perversity ; a wrong tendency, course, or act ; bad faith or mismanagement
; neglect of duty. '' Blacks Law Dictionary, 4th Edition, page 738.
Default : " By its derivation, a failure.. An omission of that which ought to be doneSpecifically, the omission or failure to perform a legal dutyThe term also embraces the idea of dishonesty and of wrongful act. '' Ibid, page 505.
Promissory Note : Blacks Law Dictionary A written promise to pay a debt by a specific date. It can be turned to cash by transferring it to another party.
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 Sincerely and with all rights reserved,
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
XXXXX
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
07/17/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MD
21804
Web
I get this credit card a while back from XXXX through XXXX XXXX. I can't give you the exact date, but it's been while. As of XX/XX/2022, I have a balance for {$160.00} which was paid in full on XX/XX/2022 through my online account that I have with them. From that day forward the account was XXXX balance, but then on XX/XX/2022 they charge me {$3.00} interest charge, on XX/XX/2022 they added {$8.00} late fees and on the account that have XXXX balance. On XX/XX/2022 another {$1.00} interest charge were added, XX/XX/2022 a late fees for {$18.00} were added. When I visited my online account on XX/XX/2022, it says that I have a balance due for {$18.00}. I was like why I have a balance now, when I already paid in full. I ended up paying the balance that day anyway, because I thought maybe I paid the balance to fast that's why I was still being charged interest rates and late fees. But no, the interest rate and the late fees continue.XXXX I paid the balance they said that was {$18.00}, XX/XX/2022 new charge for {$1.00} interest rate, XX/XX/2022 {$19.00} late fees, XX/XX/2022 {$1.00} interest rate, XX/XX/2022 {$37.00} late fees, XX/XX/2022 {$1.00} interest charge, XX/XX/2022 {$41.00} late fees, XX/XX/2022 {$1.00} interest charge. On XX/XX/2022 made a payment for {$35.00} that what the online statement says I owed. Remember, I did not buy anything from the credit card since it's been paid off, it all interest and late that I'm being charged for no reasons at all. on XX/XX/2022 they charged {$37.00} late fees on the account that have XXXX balance, even after I paid, I was still getting late fees, can you imagine?
On XX/XX/2022 {$1.00} for interest charge. Than I said ok this need to stop, so I called them directly XXXX, I asked them why I was being charges late fees and interest rate so much on a account that have XXXX balance. They didn't have an answer to that. Than I asked again how much I owe you now, they told me {$80.00}. I paid that on XX/XX/2022 and told them to close the account that same day. They've closed it, they've even send me a letter that was written on XX/XX/2022 to let me know that they account was closed. I thought everything was over with, but no! From XX/XX/2022 till today as I submit this complaint, they are still charging me, they're still sending me statements, not only that they continue to report me to all four credit bureaus and calling my phone countless time during the day to tell me that I owed them money. I even went back to XXXX XXXX to asked for help, they called them and put me on the phone with them, after I explained what's going on and questioned them, they hanged up the phone in my face. I need them to stop harassing me with their countless phone call, they need to stop messing up my credit score. I need them to clear up my credit with all the fake report they've added to it. I need them to pay me back all the fake fees they have charging me for no reason. I can't rest in peace with these people in my back like this, I can't. If my account is closed why am I being charge still. Please ask them That.
08/07/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
OR
971XX
Web
On XX/XX/2022 I sent Comenity a payment of {$99.00} towards my XXXX XXXX via my bill payment service. Comenity never cashed the check nor credited it to my account.
On XX/XX/XXXX I noticed this and called Comenity to notify them that they had lost my payment, see if I should send a replacement payment, and ask for the late fee to be removed.
The Comenity representative that I spoke to said that I should resend the payment. When I expressed concern about the payment arriving in time, Comenity stated that they would put a note in my account that a replacement was being sent and I would not be charged a late fee.
When I asked for the late fee to be removed, the representative said they were unable to do so until Comenity had done an investigation. I asked about late fees for that and Comenity stated that I would not be charged late fees during the investigation.
XX/XX/XXXX, my XXXX XXXX service mailed the replacement payment. I also stop using the card until I can decide whether or not to close it.
XX/XX/XXXX, I realize Comenity has never contacted me about their investigation. I call to find the status of the investigation to find that Comenity has closed the investigation without making any attempt to communicate with me, while stacking multiple late fees despite explicitly stating to me they would not do so. Comenity refuses to tell me what they were investigating, why they never contacted me and also refuses to remove the late fees.
After repeated protests Comenity tells me to send documentation of the payment through their web portal. I do so. Following this Comenity spends weeks refusing to answer questions, making factual errors, and requesting that I send additional account information even though I am using Comenitys secure messaging center. I am also told to contact various other departments by phone, who also refuse to help.
This continues until I receive mail stating my account was closed. When I ask Comenity why my account is closed, Comenity removes my access to the messaging system and my account records.
This brings us to the present day.
Comenity flaws that are not specifically relevant to this complaint : Comenity takes forever to process payments. Of the last five payments I sent, Comenity took 12 days, 19 days, 11 days, 10 days, and 13 days to credit my account. Other physical checks sent by my bill payment service are being cashed within 4 days of mailing.
Comenity pushing customers to use a web portal and then shutting off access seems like an intentional attempt to deprive customers of their own account information.
Comenity was sending a monthly email notification of statement availability but stopped for no apparent reason in XX/XX/2022.
Comenity sent a document stating that my account had been closed at my request. I did not at any time request my account be closed. When I sent a message via Comenitys secure messaging center asking why my account had been closed, Comenity made a reply, triggering a notification, and then turned off my access to so I am unable to read the message.
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
341XX
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.
06/29/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
IL
60563
Web
XXXX, XXXX,, XXXX along with the other accounts and documents i have submitted with the names of the inquiries, have all been submitted. Because I do not recognize how these accounts listed below and all the hard and soft inquiries that is reporting on my credit report.got there. I do not recognize the account number, I do not recognize the account status, I do not recognize the account balance, nor do I recognize the late payments associated with it everything reported here does not meet the FFCRA and should not be on my credit report at all nor should those inquiries.
here are some of the creditors : 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 XXXXXXXX services opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX to XX/XX/XXXX {$1400.00} XXXXXXXX XXXX XXXXt # XXXX {$380.00} I ALSO HAVE WRONG NAMES, ADDRESSES, PHONE NUMBERS ATTACHED TO MY CREDIT REPORT AS WELL THAT I HAVE ASKED NUMEROUS TIMES TO BE REMOVED i have attached documents of those names addresses and phone numbers Code 15 USC 1692 g Validation of debt AND 15 USC 1692 ( e ) ( 3 ) false or misleading representation of my credit and has impacted my lively hood as well as my credit.
Also while reviewing my personal credit report, ( Ref # XXXX ) I noticed some inaccuracies in the public records area of my file. I believe this may be a error because this/these do not belong to me. Please remove this from my file and send me an updated credit report reflecting the accurate information.
According to Rule 9037. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number The fact that only part of the ss #, the year of birth only and the last four of the account number are only shown does not indicate that this account belongs to me which does not meet the FCRA guidelines and does meet the code 15USC 1692g and 15 USC 1692 ( e ) ( 3 ) false or misleading representation of my credit.
The credit bureaus and creditors are also in violation of my rights under the 15 USC 1681b, Permissible purposes of consumer reports I did not sign or give you permission to review my credit report, I never did any business transactions with this debt collector you are also in violation of code 15 USC 1692 b-2 acquisition of information and also sending me mail with your logo and stating this is and attempt to collect a debt.
03/12/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Privacy issues
NC
27012
Web
First about a year or two ago my credit card was hacked and over {$3000.00} was spent on XXXX ads in XX/XX/2022 I was notified through a credit alert, which if I had not had the alert, I wouldve not known that my credit card information had been hijacked and I had a complete account takeover with the CommenityXXXX and Commenity Victoria Secrets card when I called them, they stated that someone called in and had my name date of birth address, social - last four of my social and asked to get an urgent card and to change and that they had just moved so they were allowed to change all of my information and phone number address everything and what received a card without any verification. I filed a report with the FTC we put a security password on all of my accounts with community and I called all of my other credit cards and did the same thing I froze my credit reports. I put fraud alerts on them and then on XX/XX/XXXX. I received another alert from XXXX that my address had been once again changed due to the XXXX Commenity and VS Commenity credit card, I called XXXX Commenity credit card and spoke with the fraud department. They said that someone called in and changed my address and all of my information. I asked for a supervisor because I had a security password on the account. No one should gain access to this account, and upon talking to the supervisor, she admitted that unfortunately the representative failed to ask for the security password and allowed this person to change all of my information, locked me out of my online portal, receive a credit card to their address, which updated my credit file and caused all kinds of problems within my credit bureau files, caused numerous hours of research with more to go and Ive had to redo a identity theft with FTC When I was speaking with a supervisor, I asked her what more can I do? How can I trust that my information is safe they are allowing for me to be harassed hassled, and go through all of this for their failure to provide proper security on my account, and she said that there was nothing absolutely nothing more that they could do. That was the only secure steps that they had, and that she would talk to the person who Allowed the information to be changed. That is not good enough its not acceptable its not appropriate and it violates my privacy. It hurts my credit and it causes all kinds of problems with identity theft. I dont know if this person has all of my information or if this is just a random act. This card has been taken over or hacked at least 3 times now. I want to seek legal action and do whatever possible to protect myself. I cant cancel this card as I owe a balance and I need to research all charges at this point as I am not sure what is what anymore. In the word of identity theft, cyber hacking, etc we should be able to trust our banks to keep of safe - especially if we have extra safety protocols. This is unacceptable and disturbing and has caused me anxiety and stress and missed work. This is negligence and they willfully ignored the law and my rights.
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.
12/06/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
OH
441XX
Web
I paid off my credit card a day late and was charged a late fee. I called the Comenity and they said that they would wave the late fee. They made a mistake and did not waive the late fee. I thought the card was paid and closed. Then, I opened a bill and saw that they had charged me {$40.00} in late fees because they failed to waive the late fee that they assured me they waived. I called and spent hours on the phone trying to resolve this. Even though this was their mistake, they said that they could only waive XXXX of the late fees on this account that was paid off. I just wanted to end, so I agreed to pay the late fees except for the one that they agreed to waive. They agreed to waive the XXXX late fee again and she charged me for the rest. Again I thought that the account was paid off, but when I looked on the next bill, it still had that original late fee. I called again and they said it was because she accidentally charged me too much and it left less than a {$10.00} balance so it could not be waived. I again resolved this and had a XXXX balance just to end things. Then, I opened my next bill and it said that I had a XXXX balance, but now they have added " a late fee correction '' and charged me {$10.00} again even though I had a XXXX balance. I called and asked why in the world was I charged a late fee correction '' on a XXXX balance account that was all paid off and closed? They had no answer, but eventually after she talked to a supervisor, they said that they waived the {$10.00} - I have this on an audio recording and I have a reference number. Every day I have checked my balance and it still shows the {$10.00}, however. They assured me several times that this will go off my account and I will not be charged anything further. But, today when the {$10.00} is due, I called and it is still on my balance so I spoke with customer service and she said that it is impossible to ever get rid of this " late fee correction '' because my account is closed. So, even though XXXX people at Comenity on recordings assured me that this fake " late fee correction '' was removed- it is still there and they will be charging me a late fee on this late fee on an account that everything ( including late fees ) was entirely paid off and closed. So far, I have paid {$41.00} in late fees on an account that was paid off. I have been on the phone for hours about this. They say that they can not get a hold of a supervisor and then they just " accidentally '' disconnect me. I am now going to pay this fake " Late fee Correction '' fee amount on a XXXX balance and closed account, but I have found that they just keep on making up fees and charging me. The {$10.00} was due today and now I'm worried that even though I am going to pay it, it is after XXXX - so they will charge me a late fee on this late fee. It is obvious that Comenity is a scam. My most recent reference number for Comenity on this was XXXX. I have an audio recording where they said that they took the late fee correction off and assured me that I will have a XXXX balance.
03/30/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
92543
Web
XXXX is wrongly charging me interest and lead me to believe the promised promotion i applied for was legitimate but Im finding out that they somehow try to trick you or waste time just to get you to pay extra mone and this is why : On the amount I paid in full. This company offered interest free for a year. I made every payment on time and always got confirmation and deducted from my account within min. When XX/XX/2023 came and I called to make my final payment that is not due till XXXX XXXX the company gave me the run around I now believe that Ive been lied to because all they would do was tell me that their systems working now they couldnt take that large amount due today they will transfer me to somebody and I would get disconnected this went on for almost a week I did not know what to do because I was doing everything Im supposed to do.
I got my bank XXXX XXXX XXXX XXXX involved to help me get this paid in an on-time manner so they did call with me we got a wire confirmation and paid it through wire which was still not easy to do because that day we also got the runaround but it was done with confirmation still four days prior to the date that its due but I was still not happy with all the runaround that I had to go through but that said the payment was due I have the confirmation to receive the deduction that they took it and now yesterday they started calling me to let me know and state that I have A payment due for interest because my payment was never received on time which is 100 % is NO CORRECT. I have my proof of payment, deducted from my account on XXXX XXXX and confirmation they received it.
I feel that they are not working ethical or professional to ensure the lending practices and process is followed, there is no excuse for this to have happened and if its happening to me it sure is to others. I work very hard to have the phenomenal credit worthiness I have established and for this company to show no effort or care about this other then when I called again today to send them proof all I got was transferred and transferred disconnected AGAIN and told they only go by what their system shows and it shows I still owe. I asked them for a contact number of someone who can hold accountable for this because what their system shows is not correct and Im being wrongly charged as well and I feel giving the runaround and it this point they fraudulently got me to use the company to only purposely charge me extra,, it is wrong because I have all proof that this was paid and paid prior to ONTIME they stated they can only process my payment today for interest of over XXXX. I also have my call log to show my efforts in doing so. Can you please help? They can not get away with their negligence. Also the customer service rep said that its not their fault Because they have many of payments that they receive and sometimes it takes them longer while according to my timeline it took them six days after receiving and taking my money to update my account which is not acceptable at all and I hope you agree. Thank you
06/06/2017
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Confusing or misleading advertising or marketing
WI
XXXXX
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
081XX
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.
04/12/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Application denied
ME
04901
Web
Older American
On XXXX XXXX I tried to use my credit card at a local store it was declined which I thought nothing of it because the store frequently had problems with their card machine. I got home and private messaged Comentiy Bank, XXXX XXXX XXXX XXXX, OH XXXX received a reply on XXXX XXXX. I called them to find out what was going on. I was told by the woman I spoke to that I had to speak to their fraud dept. She transferred me to them and the young man I spoke with looked at my account and after a few minutes he discovered the the address on my account had been changed by someone, I never received a notice that this was done to my account, which I always get an e-mail when anything get changed on my profile I received nothing. He corrected it and ordered me a new card. I received a new card Around the XXXX of XXXX. After using it 7 time over the next three weeks on XX/XX/XXXX XXXX month to the day my card was denied again. I came right home logged on to my account and looked at my Profile and saw the my address was again changed to a Florida address I called the fraud dept and Spoke to a young woman that told me someone had called to Comentiy bank and had changed my address and when they could not identify the person they closed my account. I was transferred to a young man by the name of I believe he said was XXXX XXXX was on the phone for over 1 hour with him being put on hold many times and finally told that the account was closed they would not issue me a card and if I wanted my account I would have to re-apply. A few days later I did re-apply. Around the beginning of XXXX I received a letter telling me I had to call this number to finish my placation which I did.Letter enclosed. One of the things they asked me was in XXXX you opened a student load and are currently paying it back which bank was it with. Hearing this made no sense to me because the only Student loads with my name on them were the loans that I co-signed for my sons and they were the one paying them back. So I had responded that It was none of the above banks. If you look at my credit history you would see that I had co-signed for many student loans for my children. About 7 days later I received a letter from Comenity bank saying that I was denied because they could not Identify me. I have had that card for a number of years they have all my information ss number, address which has been the same since XXXX, my house number XXXX, and my Cell number which they text me many times when I have a charge over XXXX. You can see on the attached messages that some of them were many day before I even got some kind of response. On Comenity banks web site the page you can sent secure messages It states that they will respond with in 48 hours. Thank You I hope you can help me. XXXX XXXX XXXX XXXX. address XXXX XXXX XXXX XXXX XXXX. XXXX. Tel # XXXX Cell and Text # XXXX. I hope I included everything that you will need you can reach out to me if you have any question. The XXXX was a XXXX XXXX XXXX XXXX. I have destroyed the card so no one could try to use it.
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
483XX
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
XXXXX
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
293XX
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.
04/05/2022
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
NY
11231
Web
While at an XXXX store in XXXX, Texas in XXXX XXXX, I took out an XXXX XXXX ( provided through Comenity Capital Bank XXXX XXXX, OH ) at checkout. By doing so, the card was immediately activated so that I could pay for my purchase and receive a discount. This purchase was for {$85.00}.
I was given a brochure about the card and told it would be mailed to me ; however, I was never asked to review or verify the following : - My first and last name. Even now, on this account, my first name and last name are both spelled very incredibly wrong.
- My address. The bank initially sent all correspondence to the wrong address.
- My phone number. I believe this information actually was correct, but they just never called me to correspond.
- My email. I'm not sure if they ever had this info, but if they did, they definitely never tried to use it to let me know of account balances or charges.
After this date, I returned to New York, where I live, and never received anything from XXXX or from Comenity that includes phone calls, and of course written correspondence, since my correct address was not on file.
On XX/XX/XXXX, I checked my credit score as I may have to move apartments and discovered a negative mark on my otherwise usually impeccable score. I've never made a late payment on anything in my entire life, and my score had tanked from XXXX to XXXX.
Upon investigating, I discovered that the XXXX card had been sent to the wrong address and had accrued more than 90 days of late fees. Upon learning of this, I immediately called and made a payment. I had to call because I didn't even know the card account number, and couldn't track it to my name ( which again was extremely misspelled ). The balance, which included the late fees and the original purchase cost, now totalled {$270.00}. A representative of Comenity credited the late fees back to my account. I paid the remaining {$85.00}, making the balance {$0.00}.
After doing this, on the same day ( XXXX XXXX ), I wrote and mailed a request to Comenity Capital Bank for a goodwill adjustment. I outlined the above situation, my credit history, and the fact that this whole thing was wrapped up in a small purchase charge that could have been prevented had multiple clerical errors not occurred. A few days later I received a letter from Comenity saying my request was denied.
I immediately typed and mailed another request for goodwill adjustment, this time stressing in detail each piece of evidence that clearly demonstrates I would have paid this charge had I had the opportunity and awareness, and that I don't deserve my credit score to be damaged over this.
I received another denial letter a few days later. This bank obviously is fine making clerical errors and letting people suffer the repercussions that they don't even deserve. It's unclear if they ever tried to contact me to resolve the late charge. It's insane that my credit score should suffer because of a bad name and address, and that Comenity Capital Bank is OK with letting that happen.
04/28/2023
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
91306
Web
To whom it may concern, I have a credit card account with community bank through XXXX and have set up auto pay on XX/XX/XXXX before the due pay day in XXXX so that when the pay day came the money would automatically be drawn from my account. Through every step of the autopay, I did screenshot what communitys webpage was showing me confirming the auto pay was set up. I made sure to set the auto pay date a couple of days before the real due date. I received notifications stating the autopay was a success. I also received an email stating this. Now today XX/XX/XXXX past the due pay day I get a call from commenity asking me if I was going to pay them that my pay is late. I was confused as I already expected my pay to have been done. The lady on the phone says that it was set up but it was XXXX my banks fault as to why it did not successfully go through. So I called XXXX and asked why did the autopay not go through if I had set it up? as we spoke live on the phone the representative sent a pin through the app which I confirmed allowing XXXX representative to access my account and check for issues, as she finished checking she stated everything was good and said that there was nothing being held from their end stating I could use x amount of money in my account with ought a problem. She told me to call comenity as it was that banks website and them who I had set up the auto pay with so I would have to speak with them again. So I called back asking for a supervisor which happened to be XXXX I gave her a summary of what was going on she went on to check the account and said that she could see it was set up for auto pay but that it did not go through, she said that the account that community had which was XXXX XXXX or something of that sort did not work with XXXX to take payments, so I asked if that was the case why did I not get notified of any of this, she then included saying it was a mistake in my routing info being wrong and I said to her that when you put wrong banking info it does not let you continue, I had already put a wrong number and had to re do the autopay again.the page would notify me something was wrong and would not let me proceed until the bank info matched my name for what was being filled out. I told her that I put everything down correct and the page said success then went to step 3 out of the 3 steps which was showing youre done! You have successfully set up automatic payments with a summary attached below stating the payment date I had selected. She filled out a dispute and said that I would receive a letter in the mail in conclusion to the investigation that would be held, but I dont think its ok that I did everything correct and got notified by them of these successful entries and ended with a late payment and my credit score impacted. I asked her for if I would receive an email or something to conclude what we had just spoken about she said no she could not provide an actual confirmation number besides her own work ID number XXXX she said to just wait for the mail.
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.
06/12/2023
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
46052
Web
Older American
Several years ago, I had a XXXX credit card, which I used. This card was replace with a Comenity Card ( XXXX ). I do not use this card.
- XX/XX/2023, I received a bill ( statement closing date of XX/XX/2023 ) Due {$120.00}. I had not charged anything to this card. I also checked with the additional card holder to see if this was a valid charge.
I attempted to log into the account, and the account did not recognize my email address.
- XX/XX/2023, I contacted the bank to let them know, we were unaware of any changes to this card. I spoke with XXXX XXXX She identified the card had been used in Texas and Florida, I confirmed these were not my charges and asked to have the information sent to their fraud area and to close the account. She agreed to do so.
- XX/XX/2023, I was contacted by the collection department, XXXX XXXX. to let me know I had an overdue billing and she would be happy to take the payment information over the phone. I did not provide that to her. She was unaware of my recent conversation regarding the balance. 'Not on her screens ' - XX/XX/2023, I contacted Comenity at the number above and spoke with XXXXXXXX XXXX XXXX I explained the situation, and again requested the card account be closed. She assured me she would close the card account, stated 'just because we say we will do something doesn't mean the system will allow us to do that. ' - XX/XX/2023, I received a new card and account ( XXXX ), and in a separate mailing, a new bill from Comenity, the disputed amount from previous issue was now transferred to a new account. I spoke with XXXX XXXX at Comenity regarding the situation noted above. XXXX identified for me that my 'old ' account had been resolved, but would remain open as I had a XXXX credit. I explained, I did not have a credit, as I had made no payments, and the credit appeared to be on their end related to calculating the disputed amounts. He identified that as long as I did not activate the new card - ( XXXX ), it would not show up on my credit report as past due. This billing also had a late fee {$29.00} listed.
- XX/XX/2023, I contact the phone number to see is the account was closed or unavailable for activity. I was still open and active with available credit > {$8000.00}. I then called and spoke with XXXX XXXX identified the problem, old and new. Additionally, I now had Comenity on my credit report as a, inquiry for new credit, and a late payment. I explained this to XXXX who agreed to provide me with a letter stating the issues, that could be used in the event of a credit dispute. I asked him to please close both accounts and to provide me with fraud information.
- XX/XX/2023, I received the requested letter from XXXX today, and noted it was only for the account that was never opened by the bank but never activated by mean, and which is suppose to be closed.
I am concerned that my card is available to someone for use and I am at a loss as to how to get this account closed. My credit rate has dipped XXXX points due to this situation.
05/27/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
CT
064XX
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.
04/25/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
34748
Web
Older American
XXXX XX/XX/2022, I was encouraged by XXXX XXXX to take out a new charge card, as they had closed my previous one without notification to me, because of lack of use. It took over two months before I received my actual card or my first statement. I realized this might be due to address change. I was not overly concerned until my repeated attempts to set up an online account failed. I did make charges during that time. I tried many times to set up a new online account it failed every time. It kept connecting to my old account that was supposed to be closed. On XX/XX/XXXX. 2022 I called a number that was supplied on the paperwork. I could not get a human, nor was there a prompt that answered my needs. I decided to pay my balance. I realized by now over a month had passed still no statement or card. I called again and tried to set up online again. It was all in vain. So, I called again the next day finally I got a human. A woman tried to walk me through setting up an online account it was not working it kept referring me to my old account, which was supposed to be closed. I didn't feel she was understanding my despair, so I ask to be transferred. I was disconnected. I called again, finally I got someone that was getting it she figures out my email was entered wrong on new application, which XXXX entered not me, she corrected the email and told me to try again. Opps we get disconnected. I called back paid my balance in full and cancelled my card.
Finally, I receive my statements there was a late charge apparently, I made my payment 3 days late. I called again to try to remedy and state my concerns. 1 ) I never received a statement, 2 ) I tried to set up an online account many times. 3 ) most important I had no idea what day my payment was due. Once again. I found it almost impossible from There prompts to figure out who could help me, sadden I gave up.
When trying to remedy the second late charged I received I called bill dispute and got straight thru. Who would have guessed? XXXX. first told me I was still getting late charges because a confirmation letter had not been sent, he would be sending that. I than ask what was going to be done about the late charges. His respond was he could not help because my account was closed. Ok, my head went 360!! I said I felt I was not responsible for these charges the mix up was mostly too due with you. He told me not to pay them. I ask for an email responds on this and he told me he was sending a letter.
On XX/XX/2022, I get a letter saying my account is closed but I have to pay the late charges. The letter has a dispute id on top and the correspondence is a XXXX XXXX XXXX with bank ifo only. I did respond to the XXXX and also a XXXX XXXX on my statement.
I call again I was told by XXXX she had no depute info and no info on how to start one, my account could of been reopened if done within seven days, she cant help me because my account is closed, yet she is going to continue billing my account and has no number of anyone who can help me.
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.
10/20/2023
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
KY
410XX
Web
As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter.
Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information 1.A detailed and itemized statement of ALL activity to this account, including the original contract I must have allegedly signed to bind me to this debt.
2. The photo identification I must have provided at the time of starting services with you for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).
3. An itemized statement breaking down the balance you claim I owe.
4. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.
You have 7 days of this notice to respond. Your failure to respond, 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 that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt my credit files with the three-primary credit reporting agencies. You are currently in violation of the Fair Credit Reporting Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment 's. 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 any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
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
900XX
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.
07/19/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
11553
Web
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account Charge account XXXX Code : Individual Individual Account Status : Paid Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$350.00} {$350.00} XXXX XXXX : {$150.00} {$150.00} Past Due : {$0.00} {$0.00} Payment Status : Current Late 180 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity.
XXXX XXXX ITEM IN DISPUTE BY CONSUMER Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 OK OK XXXX OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK XXXX CB/VICSCRT XXXX XXXX XXXX Account XXXX : XXXX Account Type : Revolving Account Type - Detail : - XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$150.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account closed at consumer 's request Closed or paid account/zero balance Date Last Active : - Date of Last Payment : RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
09/10/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
91606
Web
On XX/XX/10, after being out of town consistently for three months, I received my XXXX store card and three bills.
The initial transaction for {$28.00} was charge bybthecstore before I received the card, by this point was 3 months overdue according to the agent XXXX I spoke to on that at approx XXXX on XX/XX/10. I told XXXX I had been charged {$90.00} for a XXXX transaction and received no other notification that this account was past due than the mailings which I didn't receive until XXXX due caring for my XXXX parent in another city. I told him I wasn't going to pay XXXX dollars for a {$28.00} dollar transaction and that I would like to resolve this an close the account since the card it was never used or activated since the account was opened in the store three months earlier. And Comenity bank made not attempt to contact me about the past due status other mailing regular monthly statements.
XXXX originally quoted that I could pay {$42.00} to take of the balance and then he would transfer me to someone to close the account. I begrudgingly agree, however when XXXX ( XXXX ) read the payment confirmation disclosure he quickly said {$62.00} and added {$20.00} to the amount. I told him he had changed the amount and he tried to do some double speak about why the amount and loudly read the disclosure ask for authorization for payment. I replied that, I guess I didn't have a choice but to agree since he just decided to change the amount. I asked if the calls was recorded and at first kept reading the disclosure over me and then answered " yes ''. I told I would be in contact with his corporate office to pull the recording. He then " threatened " to transfer me to a supervisor and said I would gladly accept his offer to speak to s supervisor. He said before " put me in queue '' if I wanted him to process the payment because if I don't you won't get the refund of the late charges. I told I was finished with talking and I would handle the rest with the supervisor. When he transfered me I got a bank notification he charged my card anyway fior {$62.00}. He proceed to keep me on hold for an hour for a representative. I am pretty sure a tactic to retaliate me for challenging his misconduct Beside the complete, inappropriate behaviors unauthorized payment on XXXX part because never agreed to the {$62.00}. XXXX Bank never made any other attempt to notify me that this account was past due. I never used the card, and although I could find a past due notice in an email search however received hundreds of marketing emails telling about the points I could receive if I used the card, I had received one phone call or email advising me the account was past due. And there was a single past due mailing iny box when I finally got mail I had a neighbor collect. Just regular statements. How low were they going to let this go on?
I never was able to speak to supervisor after XXXX kept me on hold for an hour he said there was no one to help me and told me to call back.
02/01/2023
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was paid
OH
44077
Web
I am reporting Comenity Capital Bank for harassment and trying to extort additional money out of me through bullying tactics such as repeated calls, over 26 calls in a period of three days, and through negatively impacting my credit unless I " pay again '' and present a " check from my bank ''. The details of this complaint are below.
Towards the end of XXXX, I opened a credit card for Comenity Capital Bank ending in XXXX. I paid the outstanding debt of {$66.00} on XX/XX/ to the account ending in XXXX and received a confirmation from Comenity Bank that payment had been received. The confirmation number for this is XXXX Payment was taken out of my bank account from Comenity bank for the card number ending in XXXX. I was sent a letter in the beginning of XXXX stating that I still owed {$66.00} despite receiving confirmation from Comenity that this amount had been paid. I called Comenity and spoke to an employee named XXXX who stated that I would need to send a letter with details of what happened as well as the confirmation number. I sent this letter the next day. Despite sending this letter, I received over 100 calls from unknown numbers, numbers from XXXX such as the XXXX number, calls from XXXX, XXXX, and a plethora of additional states stating that I owed {$66.00} with interests.
I've called multiple times and have sent multiple letters at this point to resolve this issue and when speaking on the phone, I was told that it was " my banks fault '' for the outstanding payment and that I would have to pay the amount again or request a " check '' or " check number '' from my bank specifying the amount had been paid. I explained the information I had received from a XXXX and told the employee I spoke to that Comenity. I was told I would have to send another letter with a check or check number from the bank. When I requested to speak to a manager because the person I was speaking to could not provide assistance, I was told " no ''.
Essentially, Comenity Bank refuses to rectify this issue and the company has succumbed to tactics of harassment and bullying to extort additional payment. The actions of Comenity have had a disastrous impact on my credit score and my ability to buy a home. My credit score has decreased substantially and Comenity refused to remedy this issue, despite my multiple attempts to rectify this issue.
I am requesting that the CFPB to provide assistance and possibly provide assistance for this inaccurate report to be removed. I also am requesting the CFPB to address the harassment of Comenity Bank so future consumers are not negatively impacted psychologically, emotionally, and financially.
Below, I have attached the different numbers used to call me. I have not included all the different numbers as I have deleted some of the calls. I have also attached the confirmation email stating the outstanding balance had been confirmed and paid. I am more than happy to provide additional information, such as phone recordings, etc.
10/17/2019
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CT
060XX
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.
04/21/2023
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
ID
83709
Web
On XX/XX/XXXX I filed a purchase dispute with a XXXX XXXX XXXX XXXX XXXX Credit Card by Comenity Bank for the amount of XXXX.
The item that was shipped to me was left out in the rain ( its a major electronic ) and had such water damage that the packaging was no longer viable to return. This damage was confirmed via photo from me as well as being marked as delivered damaged by the carrier. XXXX XXXX XXXX refused to take a return on the damaged item unless I purchased a second XXXX electronic so I could swap the damaged packaging for new packaging.
So I contacted Comenity Bank about this and provided photos of the damaged item, confirmation of the damage from the carrier, as well as the chat thread where XXXX XXXX XXXX refused to allow a return without me purchasing a second XXXX item.
Comenity initially responded on XXXX to my submitted paperwork by stating that I would not be held responsible for the disputed amount while they investigated.
On XXXX I followed up with Comenity for an update on the dispute because I was still showing the disputed amount on my account with a payment due. I also had an autopay set up so wanted clarification on if I needed to stop autopay on the disputed charge.
On XX/XX/XXXX Comenity responded with a canned message that did not address my question at all so I asked again about the autopay and being held responsible for a disputed charge.
On XX/XX/XXXX Comenity responded again with another canned messaged that did not answer the question of being responsible for a disputed charge so I asked a second time ....
On XX/XX/XXXX Comenity finally answered that I could cancel my autopay however I was still responsible for minimum payment on the disputed charge. I responded that I would have no payment due if not for the disputed amount and questioned if holding me responsible for a disputed charge was correct.
On XX/XX/XXXX Comenity doubled down and said I did need to make a payment on the disputed charge and I was liable On XX/XX/XXXX I contacted Comenity again because the disputed charge was still on my account and I had not heard anything at all about the dispute. At this point I had also looked up rules around disputes and the FCRA and realized that my rights had been violated by Comenity multiple times at this point.
On XX/XX/XXXX I got a response from Comenity saying my dispute had been closed on XX/XX/XXXX and I would have to now submit a second dispute if I wanted to have any further action taken.
I was floored, I literally provided proof of receiving a faulty/damaged item that was confirmed by the shipper. I also had proof that the vendor was not following their own policy or acting in good faith to accept a return without forcing another sale. But now I have had the credit card violate my right under the FCRA in multiple ways. Comenty did not even attempt to investigate this dispute, they held me responsible for disputed charges, and failed to communicate me with about this process at all.
10/05/2022
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
NJ
083XX
Web
On XX/XX/2022 I opened a David 's Bridal Credit Card to pay for my wedding dress purchase. The purchase amount on the card was {$1400.00}. According to the terms I read on the screen there and were later provided to me ( picture included ) this purchase would qualify my for their 12 month Deferred Interest, Payment Required plan. This was in line with my financial goals so I proceeded with opening the card. Their disclosed promotional plan is tiered as follows : All Purchases - 6 month Deferred Interest, Payment Required Purchases of {$800.00} or more - 12 month Deferred Interest, Payment Required for both plans all interest will be charged to the Account from the purchase date at the Purchase APR if the plan balance is not paid in fill within the promotional period.
Upon receiving my first statement ( which I received AFTER my first due date ) the statement says that I only have a 6 month Deferred Interest, Payment Required plan.
I submitted a written request for review on XX/XX/2022 explaining the terms given, the disclosure I have provided by the bank, and requesting it be corrected to offer the full 12 month Deferred Interest period.
On XX/XX/2022 I received a message back asking me to please call the billing number on my statement for resolution.
On XX/XX/2022 I called the billing number and spoke with a representative who told me they do not offer a 12 month program and that the sales representative at the store was mistaken and I would need to speak with the store, not the bank. I explained to her that I have paperwork from the bank that includes the 12 month program so it was not a store specific problem. She continued to tell me that I was wrong and that they do not and will not offer such program. Finally she told me that I could mail the documents I'm referencing ( my account opening disclosures ) to them and someone would review them. As of today ( XX/XX/2022 ) I have not heard back from them.
Most recently, I was at the same store that I purchased my gown and attempted to pay with my David 's Bridal Credit Card and was told that David 's Bridal no longer accepts the David 's Bridal Credit Card, as of XX/XX/2022. I have yet to verify if that's true of all locations or just the store I visited. Since this is a store specific card, I find it confusing that stores would not accept the card, especially because David 's Bridal is not a franchise. I'm very frustrated that I opened a credit card I can no longer use, which will inevitably need to be closed for lack of use ( by either myself or the bank ) and have a material impact to my credit score. The fact that 3 months after opening my card, the stores stop accepting it leads me to believe it was known that they would no longer accept this store card, but proceeded to open the account anyway. It was all in all very misleading.
As I am quickly closing in on the date where interest will be charged ( XX/XX/2022 per my statement ), I am seeking prompt resolution to this matter.
03/30/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
NY
117XX
Web
I previously sought assistance from your agency with the following complaint, though my initial submission appears to have been inadvertently miscatergorized. I would like to expand my concerns to now include yet another adverse action taken against me ( the closing of my XXXX charge account ) which I never once requested as a resolution to my original dispute and, which I firmly believe, constitutes discrimination/retaliation based on my open disclosure of being a recipient of XXXX ( XXXX ) income. Please review the following text along with my supporting documentation, which is attached. You will find that the closing of my charge account was never a requested action nor resolution to my original unauthorized billing/improper credit reporting dispute. In fact, had I not brought forth my initial concerns nor disclosed my XXXX income, XXXXComenity Capital Bank would not have otherwise closed out my charge account without advance notice, valid reason or full disclosure. Moreover, this action is discriminatory and appears to be in direct violation of the Equal Credit Opportunity Act ( ECOA ).
In XXXX of 2021, I verified with XXXX, the amount needed to pay off my balance. Proceeds from a XXXX debt consolidation loan were directly paid ( by XXXX ) to XXXXComenity Bank on behalf of my consumer account. In XXXX of 2021, I made an additional payment in the amount of " {$10.00} '' to cover the remaining interest due so as to alleviate my debt obligation to this creditor. I had no intention of making any new purchases on this account as my income is now limited due to a visual impairment and a host of other serious medical conditions which have rendered me " totally and permanently XXXX '' as recently designated by the Social Security Administration. I did not make any additional purchases nor did I authorize any additional charges to my XXXX credit account beyond the date of my final interest payment. Unbeknownst to me, in XXXX of 2021, XXXX, billed some type of fee in the amount of " {$21.00} '' to my " zero-balance/inactive account. Again, I had satisfied my total debt obligation to this creditor as of XX/XX/2021, and though I did not close out my account, I had absolutely no reason to believe that further charges and/or late fees would appear. Debt consolidation was done for the purpose of better managing my personal health, familial and financial obligations by limiting my consumer debt burden. Never once did I have any late-payment credit bureau reporting while carrying a balance with XXXX. I should not be penalized for choosing to pay off my account debt. As a person with visual and other XXXX, this situation makes me feel especially vulnerable and thoroughly violated.
Please note that I filed a dispute with XXXX and provided supporting documentation ( including my XXXX XXXX XXXX XXXX ). XXXX/Comenity bank upheld the late fee and derogatory credit reporting, and they closed out my charge account, undoubtedly due to my current XXXX status.
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
212XX
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
017XX
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
105XX
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.
01/02/2023
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
33404
Web
Recently, I did an investigation on credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.
XXXX XXXX XXXX XXXX XXXXXXXX, a consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I noticed Ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), by Comenity Capital Bank and XXXX XXXX XXXX XXXX in connection with the collection of an alleged debt. There is evidence of the use of abusive, deceptive, and unfair debt collection practices. These practices resulted in the infringement of my intellectual property rights. Under Florida law it is illegal to secretly record an oral communication without the consent of at least XXXX party. I am hereby giving you advance notice that I XXXX decide to record any/all oral communication with your company, using any recording device that I so choose ( including transcription ), in the event that I have to use to use it as evidence against you in a court of law to prove that you were noncompliant. So if you contact me by phone, you are therefore giving me consent to record.
Pursuant to USC 1692c. ( c ) I am notify you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of illegal communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as consumer, and the original creditor I am demanding all of the following.
I refuse to pay this debt.
Send and XXXX XXXX pursuant to XXXX XXXX XXXX ( d ) including all documents, including but not limited, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else to the Consumer for review and validation ; XXXX out the balance on this account and DELETE all accounts held by debt collector from all consumer reporting agencies.
Remove all remarks and comments off all consumer reports ; Cease communication and use of my intellectual property. Unless it pertains the validation of the alleged debt or remedy for violations that occurred. Any furthers communication with the consumer must be in writing, delivered via mail to the mailing location above.
Again, this is a notice pursuant to FDCPA ( Fair Debt Collection Practices Act ), Failure to honor demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall.
a. ) Be taken as tacit agreement to the claims set forth, b. ) XXXX the Consumer all demanded remedies, and XXXX ) XXXX result in litigation ( Janetos v. Fulton Friedman & Gullace , LLP, 825 F.3d 317,325-26 ( 7th Cir.2016 ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf, citing Pollice, XXXX XXXX XXXX XXXX. ) Regards, XXXX XXXX XXXX XXXX XXXX XXXX
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
972XX
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
030XX
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
972XX
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
XXXXX
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!
10/03/2023
Yes
Credit card
Store credit card
Fees or interest
Problem with fees
TX
77040
Web
Servicemember
I am submitting a compliment again Comenity bank for unfair practicing and wrongful charging of fees of my account, when it was their system that was having the issue when I was trying to log into my online account while I was out of town. As I normally don't pay online because of the early cut off period to make an online payment, I normally go into the local store to make my payment so that I am not late. But on XX/XX/XXXX between XXXX XXXX my time I was not able to access my account online to make payment because it was giving me a system error, so when I got home I tried logging into my account and was able to successfully make the make at about XXXX am ( my time ) of the full balance {$55.00}. Now Comenity bank has charged me a late fee of {$28.00} and when calling them twice on XX/XX/XXXX, their customer services leadership and fail to remove the late fee from my account in which I always pays my bill on time and never late. Now Comentiy bank has this one-fee waiver policy for XXXX XXXX XXXX so they claim is every 18 months. So they refuse to waive the late fee because of the XX/XX/XXXX credit they gave me XXXX ago, which has been verified and stated at that time there was a widely spread known system issue with customers not being able to make payments and access their account and Comenity Bank acknowledged that and agreed to waive ALL customers late fees from that time frame. Customers should not be punished by your system failures nor should they be penalized. That issue that was happening in XXXX should not go against a customer one-time fee waiver policy that Comenity bank has in place and nor should customers be subject to fees charged to their account when your system was the reason for their late payment. I have did a formal complaint on XX/XX/XXXX Reference # XXXX and did not heard anything as I requested from this complaint. So After filing XXXX complaint Comenity bank is still denying my request for the late fee removal and is failing to address all the proper cause of this, stating that their online system was working and to known it was not, cause I could not login. So the going back and forward with me ( the customer ) stating their system was not working for me to login and Comenity stating it was will be an ongoing battle to be proven, as Comenity Bank is failing to note their one-time fee waiver policy along with providing me with all the finding of my online account login attempts that was actually made, because Comenity bank is showing that the last time I login as of XXXX was XXXX XXXX and that is not correct, which also proves that their system has an issue if they are stating that my last long in as of XXXX was XX/XX/XXXX. Comenity bank needs to abide by their policies, and their policy is to allow a one-time courtesy fee waiver every XXXX, not considering the widely known system issue back in XX/XX/XXXX, that was affecting numerous customers not being able to access their online account.
12/12/2020
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Application denied
IL
XXXXX
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
109XX
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.
02/01/2023
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
MD
XXXXX
Web
On XX/XX/XXXX, I received a suspicious email from XXXX XXXX XXXX XXXX XXXX ( XXXX ), a debt collector stating they were trying to collect on a Comenity Bank debt allegedly owed to XXXX. According to XXXX, an Express Card Account through Comenity Bank was sold to XXXX XXXX XXXX on XX/XX/XXXX. As a result, XXXX a debt collection company, would be collecting on and servicing my account. Per XXXX a Comenity Bank ( Express ) account was charged off on XX/XX/XXXX. However, according to my records, I received a credit card statement on XX/XX/XXXX, from Comenity indicating that a minimum payment of {$XXXX} was due on XX/XX/XXXX. A payment of {$XXXX} was made on XX/XX/XXXX. On XX/XX/XXXX, I logged into my Express Credit Card account through Comenity. I received the following message, " It's critical that you make a payment soon to prevent your account from being closed, charged off, and reported as a bad debt. We offer payment options that can restore your account to good standing, but it is critical that you set up a payment option immediately. '' I was provided several payment options, including making a stay payment of {$XXXX} to prevent further collection activity. I made this payment of {$XXXX} and received the following confirmation, " This is a confirmation of your one-time payment authorization made on XX/XX/XXXX to Comenity Bank XXXX Please save a copy of this for your records. Comenity Bank will apply this payment to your Express Credit Card account and, pending final authorization from your bank, a single XXXX electronic debit in the amount of {$XXXX} will be deducted from your bank account on XX/XX/XXXX. It XXXX take XXXX additional business days to complete the funds transfer. '' However, on XX/XX/XXXX, I received an email from XXXX indicating that my Express Credit Card account had been charged off on XX/XX/XXXX, and sold to XXXX on XX/XX/XXXX ( a day after the payment authorization of XX/XX/XXXX for the stay payment of {$XXXX} ). On XX/XX/XXXX, I logged into my Express Credit Card account through Comenity and again received the following message, " " It's critical that you make a payment soon to prevent your account from being closed, charged off, and reported as a bad debt. We offer payment options that can restore your account to good standing, but it is critical that you set up a payment option immediately. '' My options were to make a past-due payment of {$XXXX} or the minimum due of {$XXXX} on XX/XX/XXXX. I scheduled a payment of {$XXXX} to be deducted from my bank account on XX/XX/XXXX. I closed my Express Credit Card account on XX/XX/XXXX, due to the economic impact of XXXX and the difficulties I encountered with obtaining account protection benefits through XXXX XXXX A previous complaint was filed with CFPB against Comenity ( XXXX ) and the Account XXXX program. Last XX/XX/XXXX, I again encountered difficulty making payments through the Comenity website due to technical issues on their end.
03/26/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OK
734XX
Web
I closed my XXXX XXXX XXXX XXXX account & received a letter confirming it on XX/XX/XXXX. I had a balance from a purchase the month before, in the amount of {$110.00}. I paid it in full & on time.
I placed another order with XXXX XXXX online in XXXX expecting to get a 25 % off discount. When completing my order, it did not apply to my balance. I immediatly called XXXX XXXX to see if they would adjust my order so it would apply the discount. They said they couldn't do that. I then asked them to cancel my order all together & again they said they couldn't.
When I received the package, I returned the full order in the amount of {$150.00} back to XXXX XXXX. This gave me a credit of {$130.00} plus a charge of {$10.00} for a return fee on my XXXX XXXX XXXX XXXX. This left me an unnecessary balance of {$33.00}. I contacted XXXX XXXX again to credit back those charges, since I tried canceling the order from the start. They only credited the {$10.00} for the return fee, which still left me a balance.
During all this time, I was out of state and not able to keep up with my account as well as if I were home, so therefore, I had forgot to pay the final ( unnecessary ) payment of {$24.00}, which made it a day and a half late by calling to make the full payment of {$24.00} in XXXX. The XXXX statement showed a total balance of {$35.00} for a late fee. I called XXXX XXXX to request a credit of the late fee, so I would have a XXXX balance & be in good standing with them. I was told since I closed my account they couldn't do that. Again, I was still out of state and made the unnecessary {$35.00} payment by phone on the due date, but was again almost 2 hours being on time. The XXXX statement showed a late fee and balance of {$35.00} once again. Again I called XXXX XXXXe to credit this charge & again they said they couldn't since I closed my account. This really frustrated me since I had previously paid my full amount due, plus two late fees on top of that. With that, I decided to write a letter to Comenity Bank to see if they would resolve the late fees being charged each month with a paid in full balance from purchases. Meantime, I still did not pay anymore while waiting for a response back from them.
I received a letter dated XX/XX/XXXX stating that they could charge me a late fee if the minimum amount was not paid by the due date and that I now owed an amount of {$110.00}.
I have been an account holder with XXXX XXXX for several years now and each time I made a purchase, I paid the card in full & on time. Now they are billing me each month with a late fee and interest for late fee, except for the last statement I just received. It showed an interest charge on purchases ( my purchases are paid in full ) and a total balance of {$110.00} ( late fees & interest ).
Please see if you can get the amount of {$110.00} off my account along with the bad credit report that was given to me for not paying late fees.
Thank You
11/22/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
CA
90505
Web
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the 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 is not information relating to any transaction by the consumer.
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2300.00} If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove the fraudulent account from my file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
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.
11/18/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CA
92532
Web
I have a number of accounts with Comenity and I have never once had an issue so this circumstance is certainly outside of what I have traditionally known to be standard.
I have an account back by Comenity Bank for Express Retail Store. I used the card solely to ensure usage for a single item purchase. The balance at such time was {$36.00} during the same billing cycle I paid the amount listed above with a live agent on a recorded line utilizing certified funds with a debit card payment for which a confirmation was provided.
Months after the fact I took notice that my credit limit was slashed and 1,2,3 late fees in the amount of {$90.00} were assessed to the account. They advised payment never received I provided proof of payment via mail, secure docu portal through online account manager and they reviewed recorded call to confirm it was in fact made.
They then proceeded to state they were having significant issues with their system in the month of XX/XX/2022 and this would be immediately rectified the three late fees credited back and amount shown XXXX out immediately then credit would be restored.
They credited the three late fees and said please allow 1 cycle to see statement updated and credit limit restored. A month later this is still showing due they added three more late feee back and then increased interest and never increased limit again.
I advised I was filing formal grievance and their response was my account would be subject to closure or reduced limit across all Comenity banks if I filed a complaint is this the mafia??
Their willful negligence, billing malpractices, conduct unbecoming of what a corporation should represent and the countless manhours and undue stress associated herein with respect to something for which I should not be penalized before has become so exhausting at this point I should be compensated for my time and damages let alone account IMMEDIATELY fixed Over 11 supervisors have confirmed this was being zeroed out now they call me non stop when I call to make a payment on an account that has nothing to do with this one they go through the run down of how I owe them money which I do not in fact owe how would I like to take care of it? Then when I advise yet again of the circumstance over and over and over and over again they get an attitude and put me on a significantly long hold, hang up on me or give me the runaround. I do not owe this account my limit needs to be immediately restored to date you have fraudulently assessed {$180.00} on a {$36.00} transaction was is wrong with you?
Thats excessive by every stretch of the imagination. I paid and I paid with live agent this has been confirmed over 20 times now it has also already been stated many times over this was being XXXX out and credit limit fixed so why am I still exhausting efforts months later? Lets move to arbitration or legal immediately Unless fixed immediately and do not ever threaten me again
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.
08/17/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
MA
015XX
Web
On the top of our XX/XX/XXXX statement it showed this : New balance : {$2800.00} Minimum payment due : {$30.00} Save on Interest Payment : {$1900.00} Payment due date : XX/XX/XXXX On XX/XX/XXXX we paid {$1900.00}.
On the XX/XX/XXXX statement, we had {$34.00} interest charged. We called Comenity and they said we should have paid {$1900.00} + {$30.00} to avoid interest charges. They gave us a {$10.00} finance charge reversal ( credit ) but could not reverse the interest charges. I escalated to see if a manager could reverse the full {$34.00}, and she could not.
I then asked if this would result in future fees, and if we would have interest charges on our XXXX statement. She told me directly, " no, not if you pay your next bill in full. '' She also said everything was " clearly spelled out in the small print below the itemized purchases, on page 2, '' but I was never able to find anything indicating how the " Save on Interest Payment '' was supposed to work. She also could not find it when pressed, or any other consumer-facing documentation that I could see for myself. She agreed the documentation " needed work '' but dismissed our case as an avoidable mistake on our part.
Moving forward, the XX/XX/XXXX statement showed our Balance as {$3100.00} due on XX/XX/XXXX. So on XX/XX/XXXX we paid {$3200.00}.
The XX/XX/XXXX statement included interest charges of {$90.00}. I called Comenity and ( after being on hold for over an hour ) they explained that it takes 2 consecutive months of paying in full to avoid further interest charges. I asked to see this in writing, and AGAIN they could not find it anywhere. The customer service rep had to make an internal call ( on hold again ) to make sure that was true because she could not find it written anywhere, either.
I asked for the call to be escalated, and after being on hold for several minutes, they hung up on me ( whether intentionally or unintentionally, I do not know ).
So, we have had to pay two interest charges -- both occurring for reasons that are not documented where Comenity customer service can point to, and certainly not in the billing statement where they ought to be. I call that deception, or at least negligence ; but if negligence, I would argue they should have been willing to reverse our charges and fix the issues rather than anger a customer who will move on as soon as possible.
We've never had any problems like this with any other credit card services, and our credit scores are both very high. We have the funds to handle the full balance every month, so that was not the problem. We only got this card for the rewards and gas discounts at a regional store.
The unclear concept of the " save on interest payment '' feature appears to be a honeypot for Comenity to make at least 2 months ' worth of interest from good customers who just want to pay their monthly bill. Do they really think they're the only credit card service in town?
02/21/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
PA
19401
Web
Servicemember
Around XXXX of XXXX I noticed Comenity bank was not reporting my account accurately ( not reporting payments ), I was able to use the card to make a purchase in XXXX, and then not again for 3 months. I contacted the creditor SEVERAL times by phone, first being told because I had a different address I was locked out of my account for a week, then told there were system errors throughout showing some accounts as closed and mine was one affected, I was even question as to whether or not I had closed the account because at that point in the rep 's system my account was showing closed. There were phonecalls made at least 7 times between XXXX XXXX as I was unable to use the account at all during this time to make any purchases, although I was able to verify the account had not been closed, rather this update " technical glitch '' somehow made my account unusable.
Comenity KNEW it had a system error that was resulting in many accounts being reported incorrectly and not only didn't attempt to fix the issues with consumers ( I was given the run around, call back in 2 weeks, we're still working on it, our system update glitch remains unsolved 4 months later ) and unable to take advantage of any financing offers that required I specifically use this card ( the entire reason I got it ) but HAS NOT correctly updated accounts that have since been reported inaccurately even though they WERE AND ARE AWARE their system is the problem. Finally in late XXXX, early XXXX the issue had been fixed with MY account and I was able to use it again.
When I asked in XXXX of XXXX for a letter of statements of the fact to send to all 3 credit bureaus ( as by now the account was reporting as closed as of XX/XX/XXXX ) I was told I had to write in to request that, and to just give it 30 days and it will clear itself out, well nearly 60 days later SOMEONE IN THERE KEEPS VERIFYING THE WRONG INFORMATION!
I then proceeded to dispute the information on my credit report with each bureau ( several times ), and EACH INVESTIGATION returns as verified leaving me to believe either no investigation is happening or Comenity if STILL furnishing incorrect data FULLY AWARE of their own system error.
While this may have been as a result of data error from the creditor, it took me no more than a 10 minute phone-call to account services to verify that this account is in fact still open, so between investigators doing the same WITH A CURRENT BILL AS PROOF, there is no reason for these findings.
As it is an account with perfect payment history and almost 7 years worth of history, showing it as closed by the creditor has caused undue harm to my credit score and credit worthiness. I have given Comenity MULTIPLE opportunities and an exhaustive amount of time to fix the issue.
Through these actions my rights have been violated under FCRA policies and I fully intend to pursue remedies up to and including punitive damages against Comenity
10/07/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
AL
357XX
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.
10/31/2022
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
NC
27526
Web
LETTER TO CREDIT CARD COMPANY Customer Service Comenity Bank XXXX XXXX XXXX XXXX OH XXXX XX/XX/2022 Customer Service Comenity Bank XXXX XXXX XXXX XXXX OH XXXX RE XXXX XXXX Account Number XXXX Dear Sir/Madam : I opened an account with XXXX sometime a couple of months ago. I do not speak much XXXX. My native language is XXXX. My husband is assisting me with writing this letter.
I have received two statements in the mail. On statement dated XX/XX/2022 shows a balance of {$88.00}. There is a carryover balance of {$56.00} but I am not able to locate the previous months statement. The next monthly statement dated XX/XX/2022 shows a balance due of {$130.00}.
We called your customer service phone numbers multiple times this past week. During all calls, the voice message stated there was a high call volume and please use the internet to access your account. I tried register and access the account on the internet at the log in page but the account is not found.
When I called the customer service number either there was no person we could speak with and only automated service was available, or the phone tree ended and the line was cut off. My husband and I spoke with a couple of more representatives at customer service and no one was able to locate the account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minutes XXXX XXXX XXXX XXXX XXXX XXXX XXXX Seconds XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minutes XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minutes We called on XX/XX/2022 and spoke with a representative who eventually escalated our issue to a manager. The name of the manager is XXXXXXXX XXXX XXXX XXXXXXXX. We asked XXXX to locate the account and give us the status and to help us access the account online. XXXX was unable to locate the account. XXXX were told there is a computer error message but never explained what that message was and there is nothing more we could learn about my account. What a dismal failure of customer service!
Since the account does not exist in your system then where are these statements being printed and mailed from? Since we are not able to access the online information we are not able to review any of the charges in detail. Therefore we are unable to exercise any of our rights under Federal Law because we can not see the transactions and dates due to the account being non-existing.
I dispute ALL charges on all statements since the opening of the account. I dispute ALL late fees on the account since the opening of the account. I dispute ALL interest charges on the account since the opening of the account.
In good faith I sent a check in the amount of {$130.00} representing the balance due on the statement dated XX/XX/2022 to : COMENITY BANK-LOF MASTERCARD XXXX XXXX XXXX XXXX TX XXXX Im hoping the payment does not go to some fraudulent mailbox and I lose my money. The service experience was unsatisfactory and the fact your company can not locate my account is unbelievable.
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
XXXXX
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.
01/03/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
CA
92612
Web
Please note : I requested to receive a record of my XXXX statements to which Comenity declined. They said they can provide only statements from XXXX, XXXX, XX/XX/XXXX. This does not cover the window of fraud.
Secondary note : I have been unable to access my account since XXXX, which is when the fraud began to occur. A class action has already been initiated for Comenity blocking access to your online account in XXXX, causing people the inability to make payments on time or see their accurate account information. This timeline lines up with my reported concern with the company.
Disputing an XXXX XXXX XXXX credit card, owned by Comenity bank.
Card opened XX/XX/XXXX XX/XX/XXXX - Full balance of {$220.00} was paid to the card. {$220.00} was the amount my statement/login showed as being the full balance due Following paying full balance, I did not use the card any more in the store, and therefore did not check my statements.
Sometime in XXXX they added an fraudulent {$3.00} fee to my card *after it was fully paid offXXXX XXXX they then charged interest on the {$3.00} charge, now my balance is {$8.00} XXXX, now my balance is {$17.00} ( keep in mind, I have not used this card at all ) XXXX Now my balance is {$35.00} In XXXX I get a notification in my credit reporting that I have an account XXXX days past due. This was a shock to me as I paid off this account in full. My credit score drops XXXX points.
In XXXX I told the comenity rep to CLOSE my account, he confirmed he closed it. To this date, the account is still open.
I disputed all of this plus the derogatory late payments but it does not seem that I won the dispute.
I have not used the card since the start of XXXX. On XX/XX/XXXX, I get another notification to my credit report that I've got an update from this account, and my score is down ANOTHER XXXX points. They are re-reporting the " late '' payments again, and now my account is being hit twice.
Comenity claims my account shows no money owed, and no late payments. They allege my account shows the XXXX late markings were also removed from my account.
This company is 1 ) fraudulently adding fees to customer 's accounts who have fully paid off their balance and then using these fake fees to collect interest and late fees on these fraudulent charges 2 ) Reporting late payments to credit bureaus and ruining people 's credits.
When I call to inquire, the company 1 ) wont provide me my statements, 2 ) wont fix the reporting at the credit bureaus, 3 ) typically hangs up on me mid-call XXXX Has a current alert open for Comenity for the same issue I have experienced. Business has failed to respond : https : XXXX There are almost XXXX reviews, many reporting a similar scam : https : XXXX You will find dozens of other people reporting the same fake charges after they paid off their balance on the FB page : https : XXXX? XXXX & XXXX & XXXX & notif_t=comment_mention & ref=notif
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.
08/09/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
OR
97007
Web
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Complaint Against Comenity Capital Bank 's Predatory Practices Dear Sir/Madam , I write to lodge a formal complaint against Comenity Capital Bank for what I perceive to be their predatory business practices, especially concerning their credit card promotions. This experience has not only caused me financial duress but has also made me deeply concerned about the broader implications of such practices on unsuspecting consumers.
On XX/XX/XXXX, I made a purchase of {$1200.00} from XXXX XXXX XXXX XXXX using Comenity Bank 's Payboo Card promotion, which promised zero interest for 12 months. Relying on their terms and believing in their transparency, I set up an automatic monthly payment of {$100.00}. As of XX/XX/XXXX, my remaining balance was a mere {$53.00}. To my shock, Comenity Bank levied an interest charge of {$170.00} on this balance, an action that feels not only exploitative but also deceptive.
Key Issues : Lack of Communication : Despite the looming interest accrual, there was no prior communication - be it a paper bill, an email, a text, or even a simple phone call, to alert me of this impending charge.
Predatory Promotion Terms : The terms and conditions associated with the promotion are designed in a manner that seems intended to trap consumers. While businesses have the right to earn interest on overdue amounts, the sheer magnitude and method of this interest application, particularly when the outstanding amount was so minimal, is hard to view as anything other than predatory.
Public Evidence : A brief review of the XXXX XXXX XXXX XXXX page for Comenity Capital Bank reveals a pattern of complaints, underscoring the systematic nature of these issues : XXXX Comenity Bank Complaint Page.
Requested Actions : Full Refund : I urge the CFPB to intervene and compel Comenity Capital Bank to refund the {$170.00} interest charge in full.
Transparent Communication Mandate : The bank should be obligated to provide clear and timely communication about any upcoming charges or changes, especially those with potential financial penalties.
Regulation of Promotional Terms : Such misleading promotional terms should be scrutinized, regulated, and if found predatory, removed to ensure a fair consumer environment.
In the interest of all consumers and in pursuit of transparency and fairness in financial transactions, I implore the CFPB to thoroughly investigate this matter. The public deserves protection against practices that seem designed to exploit, and institutions like Comenity Bank should be held accountable for their actions.
I trust the CFPB to take the necessary measures in this regard and ensure that consumers like myself can engage in financial transactions without fear of hidden pitfalls or exploitation.
Thank you for your time and attention to this matter.
Warm regards, XXXX
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
199XX
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
015XX
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.
06/01/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
GA
30518
Web
I had Comenity Bank for years and went through tough times. I had a few late payments and missed payments. Most of the time they were accidental late or missed payments because of the amount of cards I had with them and confused the due dates of those cards.My main issue is that they would penalize me for paying down their store cards and it would cause my credit to get worse and they reported a late payment that was caused by their system even though they wouldnt report unless its more than two missed payments in a row. They would constantly lower my credit limit to the current balance after making a large payment or sometimes even lower than the current balance putting me at 100 % or over my credit limit. I asked many times why would they do that if they claim to help with credit and they would always say its based on my credit reports. The issue is that if they are basing their info on the credit reports and they are also drastically lowering my limit after large payments causing those 100 % or over the limit reporting. That would just continue the cycle of keeping my report in a negative status and penalizing me for the negative status that they caused ; by drastically lowering my limit even though, I made a large payment to try to lower my balance and utilization rate. They would even have reasons for lowering it due to high credit usage or balance which they caused. If they didnt lowering the credit limit causing close to 100 % usuage, they would just close the account after you paid it in full. Which again doesnt help anyone whos trying to rebuild their credit since now the credit availability is lower. One of the last straws was the payment system selecting the wrong account causing a late payment on my Lane Bryant store card. They also never reported a payment late if less than 2 months late as long as you make a paymentat least a week before the next due date. It dropped my score XXXX points and even the representative seen the mistake but was not able to do anything about it. I fixed the error as soon as I realized the mistake. It was caused when I changed the amount that I was paying online and it automatically defaulted to the wrong bank account instead of the one that I already had selected in progress.You can review current and future payments. You can edit each payment and I selected to change payment amount of the payment that I already processed. I didnt change the bank, the date, or start the process over. Because of the error, It caused a late fee which the representative immediately recognized the error. This error resulting in a drop in credit score. Because of their practices with lowering my credit limit and increasing my utilization rates. I had to close the last remaing accounts. I was even scared to make larger payments or it it in full because I didnt want them to lower my credit, cause an overage, or close the account after I paid in full.
09/28/2021
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
GA
310XX
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
191XX
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
XXXXX
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.
10/12/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
TX
75241
Web
Servicemember
The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the XXXX XXXX and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says '' A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' 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
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.
06/27/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
NY
14051
Web
We made a XXXX XXXX XXXX XXXX credit purchase via Comenity Bank with a promotional deferred interest for 18 months. The representative at XXXX XXXX had told us we had until XX/XX/2023 to make the final payment before Comenity Bank assessed the charges. I went online to the XXXX XXXX website to make my final payment on XX/XX/2023 for the final payment of {$480.00} and they assessed an APR charge of over {$1400.00}.
When I spoke with XXXX, Comenity employee # XXXX, I was told they assessed those charges on XX/XX/2023. I let her know we were unaware of this date as we were originally told we had until the end of the month. I also let her know there was nothing on the website/online portal alerting that the due date of the promotional date was approaching and when paperless statements were received it did not alert the consumer of any promotional end dates on the portal or emails.
I have used other promotional credit card services with stores and they have always sent an alert via email or on their online portal of when the promotion was coming to an end and have never experienced this type of issue.
The Comenity website only showed the minimum payment due and the date. It had no features to show a consumer that a promotion is due. This is incredibly misleading.
In addition, we were not receiving paper statements in the mail prior to opting paperless because they had our last name in their system incorrectly. We have spent well over {$50000.00} with Comenity BankXXXX XXXX XXXX XXXX XXXX alone, and I spoke with three different representatives stating that there is nothing they can do to waive the late payment fee even though it was a miscommunication and misinformation on their end, along with a terrible online paperless feature that did not have any prompt features of when a promotion was approaching the end date.
I had explained to them that we have been loyal consumers of XXXX XXXX and Comenity for over 10 years and asked if I make my payment in full of {$480.00} on XX/XX/2023, which I did online, if they would waive the fee due to our loyalty and misinformation. Keep in the mind, the end date of their cycle was XX/XX/2023 and I called in on XX/XX/2023. I am aware that institutions such as these have a grace-period ( typically 5-7 days ) to waive a fee, especially due to the incorrect information we received, but Comenity did not.
Comenity exemplified terrible customer service to loyal consumers and did not have a user-friendly website which allowed the consumer to have proper notice when a promotional balance is due. In addition, they charged {$1400.00} fee which is not even 29.99 % of the statement balance of {$480.00}. That 'hidden fee ' is something that I am sure I wasn't the only consumer to experience this on top of a misleading paperless/ website paying portal and wrong information by an employee from the store they do business with.
09/17/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
FL
33705
Web
I paid my credit card balance in full with my XX/XX/2023 payment.
I called the customer service # after my payment posted and my balance was {$0.00}. I asked for my account to be closed due to several issues with this company and no longer wanting to do business with them. I was told notes were made and they would close my account.
In XXXX I received a statement for {$2.00}, even though my balance was paid in full and my account was supposed to be closed. I called customer service & they said there was a minimum charge of {$2.00} for having the card. I was escalated to a Supervisor for further help. The supervisor apologized and said the balance would be credited back to {$0.00} ( paid in full ) & my account would closed. They also said they'd send me a letter & email to document everything. The exact same thing happened again in XXXX. the statement this time was {$6.00}. I called customer service again and asked for a Manager. I was told the same as before, however this time they told me to pay the balances & they would credit them back to me once everything was updated correctly. I was very worried about this being incorrectly reported to the credit bureaus and negatively impacting my credit score and they assured me it would not.
I scheduled the payments for XXXX & XXXX.
The same thing continued to happen in XXXX & XXXX.
I called again and spoke to a Manager. They confirmed they were working on my account. They weren't sure why it was taking so long but would escalate my case & have a higher up manager call me. My payments I made had not been taken from my account & still showed as pending. I was told It was because they were in the process of being reversed & that's why they still showed pending. Again, I was promised not to worry nothing would be reported because I was not in default. Just to be safe I also scheduled the payments for XXXX & XXXX.
A Manager never called me!! I've never received any documentation as promised.
In XXXX they reported me to the credit bureaus as XXXX or more days late! My credit score was greatly impacted. I went from XXXX to the low XXXX 's. My Husband & I were preparing to apply for a Mortgage & because of this, we aren't qualified now.
I called the company again and talked to a manager. They said my account was updated and I now have a negative balance. The payments I scheduled were all canceled, as I didn't owe anything. They said they would contact the credit bureaus immediately & correct the inaccurate information that was reported. They apologized and again promised my account would be closed. They promised to mail & email me documentation of the correspondence with the credit bureaus as well as proof of a closed account.
I've never received any documentation as promised.
They still have not closed my account & they have not updated the inaccurate information they reported, with the credit bureaus.
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
05/14/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
NY
11208
Web
I paid of my credit card in full on XX/XX/2022. I paid {$2900.00}. The due date was XX/XX/2022. My balance was brought to {$0.00}. My credit report also indicated that my balance was at {$0.00}. On my XXXX statement Comenity stated that I still owed money which was not true. Comenity misquoted the amount I paid. Comenity used my XXXX 's ( the previous month 's ) payment as my XXXX 's payment which was {$130.00}. They completely ignored my final payment on my bill. This amount was carried into my XXXX statement as a balance and attracted interest rates which should not have happened. Comenity issues its statements on the XXXX of each month online and creates a due date of the XXXX of that month. Therefore my XX/XX/XXXX payment should have been reflected on my XXXX statement but it skipped an entire month creating an additional interest fee to be paid in error.
I was unaware of this additional fee as I got confirmation from my bank, Comenity and my credit report that my debt was fully paid. In XXXX I still owed Comenity {$10.00} in interest for a balance that was cleared two months prior. Comenity then wrongfully reported me as one month delinquent. By this time I owed {$43.00}. I disputed this with both Comenity and XXXX. During their investigations I still paid the bad faith fee so as to avoid any more issues with my credit report. The matter was resolved. My credit report was restored.
When I paid the bad faith fee of {$43.00} Comenity returned the payment but then charged me a fee to return the money. When I called Comenity they said I had insufficient funds. I explained this couldn't be as I got a confirmation number that the payment went through and my balance was updated to {$0.00} everywhere. I was unaware of this return as the issue was still being investigated. The return fee then went into late payment and I then paid even more interest on that fee. The total amount came up to {$80.00}. Comenity then charged my credit card with the {$80.00} owed racking up even more fees and interest as this was now considered a purchase on the credit card.
I disputed the mistake again and Comenity has not removed the error from my credit report. All three of my credit reports have different information. My Experian credit report says I was never late and my debt to Comenity is {$0.00} but XXXX and XXXX have reported that I am 2 months late and that I still owe Comenity money. Comenity has caused my credit score to drop from XXXX to XXXX alleging I was late on fees when in reality I had no fees to pay. I have also lost out on an opportunity to be approved for a mortgage since my credit score has dropped so significantly. I was pre approved for a student loan for school but my affected credit score will impact the amount I'll be eligible to receive.
Comenity has been ignoring all my efforts to have this rectified. It is a simple correction.
10/23/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
11743
Web
I was using a new XXXX credit card through Comenity Bank and had {$170.00} due XX/XX/2022, I paid the full amount of {$170.00} on XX/XX/XXXX. I then realized Id get a late fee for paying a week late so I called comenity bank the same day to ask if I could get my late fee of {$41.00} waived as it was my first time ever being late to a payment and I was away on vacation when I received the bill. The representative told me that was fine and assured me he cleared my balance and waived the late fee, I made sure to double check that my balance was XXXX and I was told that it was. Recently, I was receiving calls from comenity bank saying I had charges due, I called on XX/XX/XXXX to see what were the charges and the representative told me I had {$120.00} due from the initial late fee adding up as the months passed and I had no idea. I was speaking to a representative and he was going to waive the additional late fees, but then the call got dropped. Called back again and I explained my situation to another representative and he told me he had no record of anyone waiving a late fee, but he understood my situation and said I could just pay {$36.00} and he would waive the rest of the late fees. I agreed and paid the XXXX on XX/XX/XXXX. I see I indeed got charged the {$36.00} but wanted to make sure my balance is actually XXXX this time. I call to check and the balance is {$90.00} now, which means they did not waive these late fees and would have continued to pile on late fees. Every time I speak to someone they rush me away and assure me it is being handled when it is not. I messaged them on various platforms repeatedly and was told the changes would appear in a few days. On XX/XX/XXXX, I was connected to a supervisor finally, they told me that they actually can not waive late fees because XXXX doesnt allow that, then I was switched to another supervisor who then told me they did waive only {$30.00} on XX/XX/XXXX. I hadnt even gotten in contact with them before XX/XX/XXXX so that can not be true. They said they can not waive any more late fees and have no record/notes of any communications with me. They said I had to pay it. So then I paid the remaining {$90.00}, but this is not right. I was lied to repeatedly by more than 4 representatives telling me they waived my late fees and my balance was at XXXX. And they told me they canceled my credit card per my request, which the supervisor told me did not happen either! This bank is full of liars and thieves. Ive paid double of what I should have and wish I never signed up for this credit card. Im hoping to get a full refund on all these late fees because it is not my fault whatsoever that I was lied to and made to believe my balance was XXXX so they could keep charging late fees. The bank is overall shady and suspicious, I know theyre a real bank but they sure do seem like scammers and basically are.
05/06/2023
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
94541
Web
On or around XX/XX/2023, XXXX XXXX XXXX informed me that I could cover the out-of-pocket expense by applying for a loan. I was told that if approved, I would be able to delay payment for up to 24 months without any consequences. I applied to see if I would be approved and to know the maximum loan amount. After I applied, XXXX XXXX XXXX informed me that I was approved for the maximum amount of {$2200.00}. I asked for details about the loan conditions and how the funds would be distributed to me. XXXX XXXX XXXX informed me that XXXX would send me paperwork that explains everything. I was waiting for paperwork to understand the conditions of the loan.
On or around XX/XX/2023, I received a credit card from XXXX. Around the same time, I received a bill that stated {$2200.00} was given to XXXX XXXX XXXX around the same day that I applied for the loan. The bill stated that I owed {$77.00} by XX/XX/2023. I had no knowledge and I never authorized XXXX XXXX XXXX to charge XXXX. I never received any documents from XXXX or XXXX XXXX XXXX about the conditions of the loan or credit card. XXXX XXXX XXXX never informed me that if approved for the loan, the funds would be distributed to them directly without any written authorization from me. Nor did I have an opportunity to cancel the loan after the initial application.
On or around XX/XX/2023, I received a call from Collections for Comenity Bank for the XXXX account stating that I owed {$150.00} for past due payment and late fees. I explained that I didnt authorize XXXX XXXX XXXX XXXX charge the dental service. And, since the dental work was not performed, I requested the charged amount be removed and the account closed. Collections informed me to contact the merchant to close the account.
When I contacted XXXX XXXX XXXX and informed them that they charged XXXX without my authorization and provided me misinformation about the loan, XXXX XXXX XXXX stated that cancellation of the credit would result in XXXX XXXX XXXX to retain 50 % of the deposit per their policy which means that they would keep {$1000.00}. When I informed XXXX XXXX XXXX that I wasnt cancelling the dental treatment but the method that I was paying the out-of-pocket expenses. XXXX XXXX XXXX insist that cancelling XXXX was also cancelling the dental services.
After I informed XXXX XXXX XXXX that they were committing fraud because they charged XXXX without my authorization, XXXX XXXX offered to send me {$1000.00} to pay towards XXXX reducing my debt to XXXX to {$1200.00}. And, they would keep {$1000.00} as a credit for out-of-pocket expenses for future dental work. This is unacceptable.
Additionally, Im extremely concern with the practices of XXXX XXXX XXXX and affiliated lenders because the XXXX XXXX XXXX clients are primarily people of XXXX who may not understand their consumer rights or be well versed in financial literacy.
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
460XX
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.
08/25/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
FL
33328
Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not being shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), 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. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
03/22/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
NY
11729
Web
In XX/XX/XXXX I received a billing statement for my XXXX XXXX XXXX XXXX credit card issued by Comenity Bank. The Statement Balance amount was {$170.00} with a Minimum Balance of {$36.00} needing to be paid by XX/XX/XXXX. I paid the entire {$170.00} online for XX/XX/XXXX and such payment was reflected on my online transaction history ( see attached ), as well as on my XX/XX/XXXX billing statement. I scheduled the XX/XX/XXXX payment on XX/XX/XXXX and selected to pay the " Current Balance '' when I made such payment to ensure it would be at a zero balance. The disclosure on my statement says " HOW TO AVOID PAYING INTEREST. 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 dues 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 the purchase.
My payment was posted on XX/XX/XXXX. I did not make any additional charges AFTER paying off that balance. Generally, my other Comenity issued credit cards disclose the balance and any Min. Amounts Due in the email template ( e.g. XXXX and XXXX ). On XX/XX/XXXX I happened to hit the CTA on my XXXX Bath and XXXX emailed statement. To my surprise I had a PAST DUE balance. I immediately paid the balance thinking that I must have made an additional purchase that I forgot about. On XX/XX/XXXX, I received a notice from the CRAs that my account was being reported as 30 days past due. While I did still receive email notifications regarding monthly statements from XX/XX/XXXX - XX/XX/XXXX, there was only a CTA and no balance information or past due email warning in any of my emails so I had assumed the balance was zero. Additionally, I did not receive any new purchase alerts and I already paid off my balance by the Due Date back in XX/XX/XXXX, so not expecting a balance of any kind. I called to dispute the credit reporting status with Comenity and was told that in XX/XX/XXXX, after I paid the full balance, I was charged an additional {$3.00} interest on XX/XX/XXXX. I was confused by this since I paid the XXXX XXXX amount for the previous cycle by the Due Date to avoid additional interest, as indicated in my statement disclosures. I was advised to submit an electronic secure message through the XXXXXXXX XXXX XXXX XXXXXXXX Comenity portal. I submitted the request on or about XX/XX/XXXX disputing the additional interest, as well as the late status because I should never have been charged the interest by the Company. I received a response on XX/XX/XXXX that I received a reversal of one of their late fees and would receive a letter in the mail about my credit report request. I received the letter in snail mail today, XX/XX/XXXX stating that my request was denied, but there was no reason as to why.
07/24/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
92262
Web
Older American
In XX/XX/XXXX, I received my XXXX XXXX ( Comenity Bank ) bill for {$24.00}. I scheduled a payment through my banks online payment system for this amount for XX/XX/XXXX.
In XXXX XXXX, my bank notified me that Comenity had rejected my payment. At about the same time, I received my XXXX XXXX XXXX XXXX, for {$51.00} the past due balance of {$24.00}, plus a late fee and interest of {$26.00}.
I determined that the reason for the payment rejection was that I had not updated the XXXX XXXX account number in my online bill paying system ( XXXX XXXX had closed my previous account and opened a new one ). On XX/XX/XXXX, I paid the past due amount of {$24.00} through Comenitys web site.
On XX/XX/XXXX, I sent a request through Comenity 's web site that they issue a credit for the {$26.00} in fees, explaining what happened and that I had made a good-faith effort to pay on time. On the same day, Comenity agreed to investigate, and stated, 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.
Over the next 5 months, each XXXX XXXX bill I received continued to add on late fees and interest. In XXXX, the interest and late fees increased. I regularly inquired as to the progress of their investigation. On XX/XX/XXXX, in response to another inquiry from me, Comenity responded, in part, Once the dispute is completed all the necessary late fee and finance charges will be credited and also the payment history will also be rectified based on the results of the dispute. Once it is completed you will be notified by US Mail. I appreciate your patience in this regard.
I received a letter dated XX/XX/XXXX, stating my account had been credited {$24.00}. Based on this, and because the dispute was now closed, I assumed all the necessary late fee and finance charges will be credited and also the payment history will also be rectified, as promised.
On XX/XX/XXXX, I discovered that Comenity had reported me as delinquent to credit reporting bureaus. My XXXX bill showed no credits for either the promised {$24.00} or the late fees/finance charges. My credit score dropped 100 points, and other store-branded credit cards ( from Comenity ) have been restricted. I immediately submitted a dispute for the entire balance, and on XX/XX/XXXX, I received a letter from Comenity stating they were investigating.
My XXXX bill showed no credits, only additional fees, with a balance due of {$320.00}. I received an email on XX/XX/XXXX, stating that Comenity had closed my account and sold it to XXXX XXXX XXXX XXXX XXXX, for collection. I can no longer access my account online, nor communicate with Comenity.
It appears clear to me that Comenity has failed to follow its own process for handling disputes, and perhaps even credit regulations. I ask for your help.
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.
09/13/2023
Yes
Credit card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
MN
551XX
Web
Servicemember
I have maintained perfect payment history with this credit card company, my XXXX XXXX through Comenity Capital Bank, since XXXX.
I have tried to keep my credit usage under the recommended 30 % of my outstanding available credit and in so doing this is one of the cards I have not used as it is at a higher rate than some of my others. But I certainly felt secure and appreciated that this card with a built up {$7500.00} credit limit, which offers me resources anywhere, was in my wallet.
Upon receiving a letter from them a couple weeks ago that said they intended to close my account if I did not use it by XXXX, I attempted to begin using the card. It was declined. While this was humiliating for me, the worst was yet to come.
When calling them for an explanation they said they had information that my credit situation had changed significantly. I do not believe this to be the case but I was told if I wanted to keep using this card a credit report would need to be pulled. Knowing that a XXXX inquiry will lower my score I very reluctantly authorized them to pull my credit, they gave me no choice- it was either that or they were going to close it in XXXX anyway since they are preventing me the ability to meet their condition for keeping it open ; to use it. To my horror and disbelief the Representative said my request to remove the " freeze '' was declined and I now had no available credit. I don't understand, when I have absolutely no late payments to them, or any of my creditors, ever- and I am currently at using only 27 % of my overall available credit and my household income more than supports my outstanding debt- HOW could they punish me like this!? I have kept my end of the terms to the credit agreement and I have only improved as a credit using consumer in the four years since I took out their card.
My reward for being a responsible customer after 4 years is to be selected for this new procedure in which the credit card company gets to pluck you out of the blue- lower your score by doing an inquiry and then reduces your score even further when they close your account. Ask why and they say " talk to the credit reporting agency ''. Well- its not the credit reporting agency who has just revoked a {$7500.00} credit card and I KNOW they wont be able to tell me why XXXX Comenity did it either so that's lame. For doing nothing wrong, for doing everything right- this company has just injured me by reducing my bowering power and increasing the rate at which I would qualify if approved for credit. This is just absolutely lousy that by doing this they can hinder or even disqualify consumers from credit eligibility. I ... .did ... ..nothing...... wrong. There should be no reason for them to hinder my credit eligibility through their new method of " credit recall '' and account closure, if THEY choose to do it.
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
08/17/2023
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
32233
Web
As a federally protected consumer I have the right to privacy. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states ' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. ' XXXX, XXXX, XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublicpersonal information. ' 15 USC 1681 section 604 a section 2 states that " In general Subject to subjection ( c ) 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. '' The financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX snd any furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A finacial institution may NOT disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' None of these credit agencies ever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code Section 1681 s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The code also states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR S 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
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
XXXXX
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
03/01/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
28078
Web
XXXX ) Opened XXXX 's store credit card with Comenity in order to receive discount. Total purchase and total charge {$20.00}.
XXXX ) Paid {$20.00} in full XX/XX/XXXX and it posted XX/XX/XXXX.
XXXX ) XX/XX/XXXX Received confusing statement showing charge {$20.00}, payment {$20.00} and yet still had a balance {$20.00}.
XXXX ) XX/XX/XXXX called about confusing statement received. Call reference # XXXX. Customer service person confirmed I had already paid in full on XX/XX/XXXX or XX/XX/XXXX and had a XXXX balance and no further payments were owed.
XXXX ) Made no further purchases on account.
XXXX ) XX/XX/XXXX Received another confusing statement showing a previous balance of {$20.00}. {$22.00} in fees charged and a {$42.00} balance.
XXXX ) XX/XX/XXXX called customer service - call reference # XXXX.
XXXX ) Customer service representative apologized for the " inconvenience '' of the errors on the account and for not being able to correct anything except for a {$2.00} minimum interest charge.
XXXX ) XX/XX/XXXX customer service representative informed me that during the earlier call # XXXX, on XX/XX/XXXX, there was action taken by the Comenity rep : the rep credited a {$20.00} late fee ( this was not disclosed to me at the time ).
XXXX ) XX/XX/XXXX call with rep also informed me the earlier XX/XX/XXXX call rep was aware of an additional late fee of {$20.00} and interest charged on my account that was posted XX/XX/XXXX, before I called to confirm on time payment had already taken place and I owed XXXX. The first Comenity rep did not mention this nor inform me. And simply told me I already paid on time, owed XXXX and owed nothing more, it was corrected.
XXXX ) Rep explained she could not credit / correct the account to XXXX because of their " XXXX credit per every 18 months rule ). She escalated the issue XXXX with no resolve. The " team '' would not correct the issue.
XXXX ) I explained I would be reporting the fraud/theft.
XXXX ) I was forced to donate {$19.00} from my checking account on XXXX to attempt to stop this bank from stealing more money from me.
XXXX ) Rep said my over-the-phone payment of {$19.00} would post within a XXXX hour window. She could not confirm if I would be charged any additional fees/interest within that XXXX hour window ( she may have said I would not be charge, but at this point I don't believe anything they say ).
XXXX ) I am unaware if my credit score has been affected negatively or not from this encounter of fake and fraudulent fees and interest charges.
Happy to provide additional information as needed. Expecting to get my money back. Realize I will NOT get my time/stress restored.
Please take all necessary measures to ensure this does not happen to others. According to social media, this happens all the time to others now.
Sincerely, XXXX XXXX
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
622XX
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} ).
01/17/2023
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
338XX
Web
XXXX opened a credit card account without my knowledge. On XX/XX/XXXX I went to XXXX store XXXX in XXXX XXXX Fl to buy some clothes for an upcoming court date. When I went buy my clothes at the register the cashier asked me if I had a phone number with XXXX to get a discount on the clothes, I said no and she asked me if I wanted to sign up for it and I agreed. It is extremely important to mention that this lady NEVER said a single word about a credit card at any point during this interaction and the information that I had to give was my phone number and a signature. Fast forward 3 months later on XX/XX/XXXX I get notifications from XXXX and XXXX XXXX telling me that a new account with COMENITYCAPITAL/XXXX was XXXX to my credit report and that it was 30 days past due. This came as a complete shock to me because as I previously stated no credit card was ever mentioned. I disputed this information with all XXXX credit bureaus and my disputes were denied so I reached out to XXXX on XXXX separate occasions once on XX/XX/XXXX and twice on XX/XX/XXXX each call I was placed on hold for over an hour the first call I hung up because I had to go to work, the other XXXX calls I waited and when I finally got through to someone they said that the credit card had been sent to my address on file but I never received the credit card physically or virtually, with that being said I explained what happened and she said that she would mark the account as unsolicited asked me to wait and then hung up on me. The second person I spoke with I told about the situation with the first person and she told me that no changes had been made to the account she asked me to wait and then hung up on me just like the first person. I was very respectful and was not speaking in an aggressive manner or using inappropriate language and no one attempted to reach back out to me that day. So I waited until XX/XX/XXXX to compose an email and send it which I know it is a holiday but I just wanted to have it sent already so that they would have the information and contact me when someone would be there to email me back. They havent made any attempts to contact me at all and they are trying to hold me responsible for a credit card that I can not stress this enough DID NOT WANT and even worse a credit card that I never received or have access to. All I want from this is to have the account itself and the late payment taken off of my credit report because the account shouldnt even exist in the first place. And all anyone has to do is look at all the other accounts on my credit report and see that they were all paid and paid on time during the same period that they try to say I didnt make payments on a credit card that I dont have. Ive never missed a payment in my life and now they are ruining my credit that I worked so hard to build.
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
648XX
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.
07/07/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
PA
153XX
Web
Older American
Management of my XXXX XXXX credit card account was transferred to Comenity in XXXX of XXXX. Under the previous management, my bills were paid in full every month via automatic payment.
I received a letter from Comenity, dated XX/XX/XXXX, stating that the automatic payment arrangements on my account did not carry over to Comenity when the account was transferred and that because of this error, Comenity would not charge late fees to my account for the next two billing due dates. ( See Document 1 ).
I reviewed my XXXX bill online and saw that there were interest charges to my account that resulted from the auto payment omission. I immediately contacted Comenity Customer Support and requested that the charges be removed. I was told that some of the interest charges could be removed but that a charge of {$110.00} could not be removed because it was related to my account balance exceeding my credit limit. ( See Document 2 ). This account balance problem was another consequence of Comenitys auto payment omission.
The Comenity Customer Support representative agreed that the charges were due to Comenitys error and offered to submit a claim for reimbursement on my behalf. I received a letter from Comenity, dated XX/XX/XXXX, confirming that this claim had been filed. ( See Document XXXX ).
The confirmation letter asked that I allow up to 90 days to complete the investigation. The process took over six months to complete and would probably still be ongoing if I had not been calling Comenity Customer Support every other week to check the status and try to move things forward.
I finally received a letter from Comenity, dated XX/XX/XXXX, indicating that my request for reimbursement had been denied and that the claim had been closed. The reason for denial was that Comenity had received my XXXX payment after the due date and that the finance charge was valid. There was no mention of the original issue of charges related to my exceeding the credit limit. The decision also does not consider that late payments in XXXX were supposed to be forgiven due to the auto payment omission. In any case, the explanation is totally out of sync with the original claim. ( See Document 4 ).
I contacted Comenity Customer Support after receiving the latest letter and was told that since the claim had been closed, there was no way for them to look at it to see the original claim description or any notes that had been added to the claim. I was told that the only way to re-open the issue was to start over and file a new claim from scratch.
I wrote a summary of all the actions that had been taken and submitted it to Comenity by mail on XX/XX/XXXX. In the letter I requested that the issue be re-opened and asked for a response within XXXX business days. As of XX/XX/XXXX, I have not received a response to my request.
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.
11/05/2023
Yes
Credit card
Store credit card
Problem when making payments
Problem during payment process
WV
261XX
Web
Comenity Bank processes XXXXXXXX XXXX credit cards. I had set up automatic payments through the XXXX XXXX website. I used my XXXX checking account. In XXXX, Comenity processed my payment but indicates they received a stop payment from XXXX. I did not stop payment. Comenity then sent a message indicating I had a message in their message center. I did not see that message until late XXXX when I received a XXXX XXXX message indicating my account was overdue.
I immediately went online and processed a payment for the full balance and received confirmation. Today, I went to do my XXXX bill payments and realized there was no credit in my XXXX account for XXXX. I checked online and saw that the payment had been returned. Called Comenity and was told XXXX had returned the check. I called XXXX, and they had no record of any charges coming through that would result in a returned check ( I have overdraft protection ) and no issues with the account that would have resulted in the payment being declined.
I called Comenity back and was told I needed to have XXXX send documentation indicating the information on the returned check. I pushed back because XXXX had no record of a returned check/payment or any item that would have had to be returned.
Comenity indicated I must have put a stop payment on the account- which I did not do. The letter I received from Comenity indicated I requested to stop automatic payment but then the Comenity rep said they were stopped because of the returned payment. I did not stop payment to Comenity and XXXX has no record of any payment request coming in. I asked if Comenity shut down my automatic payments because I had not used the card for 9 months- they didn't respond but reiterated I would have had to do a stop payment or the account had insufficient funds -- neither was the case as confirmed by XXXX XXXX
Comenity did waive the late fee but I was also charged returned check fees when there was no reason for the payments to be returned. Additionally, I could not use my primary checking account because Comenity would not allow it to be used until payments were good for 3 cycles- there was no communication regarding this until I brought up the earlier payment I had made today when I first called in. The first rep at Comenity took my payment and I left that call at least thinking the payment had been taken care of but, in pushing on why payments weren't clearing, was finally told they were not going to be allowed to go through. So, Comenity would, yet again, charge a returned check fee even though they knew it wouldn't be processed because of the situation.
It appears the payments never went out from Comenity to XXXX to be processed. What isn't clear is why the first one didn't go out ... that seems to have been the catalyst for the churn in their processes.
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.
11/28/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
NC
27526
Web
On XX/XX/XXXX, I used my XXXX XXXX XXXX checking accounts on line bill paying feature to pay my credit card bill. I have used this method of payment for many years with no problems. The amount was {$1000.00}. That amount was removed from my account on that date. Unfortunately, the money was never credited to my credit card account.
I understand why there may be a problem. The credit card account was being transitioned between banks at that time. The payment was made to the old account, XXXX, however Comenity was managing the new account. It is my hope that you will take the time and effort to work together with XXXX XXXX XXXX and XXXX to find and apply the XX/XX/XXXX payment to my current credit card balance.
This payment was processed, posted and cleared. I no longer have that money. I did contact XXXX XXXX XXXX and they were able to provide me with a Reference Number. XXXX XXXX XXXX has told me that they are not able to provide anymore information to me. XXXX XXXX XXXX claims that XXXX and Comenity should be able to locate the payment with that information. However, should XXXX or Comenity need additional information, they would need to contact XXXX XXXX XXXX directly.
Because Comenity did not receive the funds, my credit card access was put on hold. I was able to make the minimum payment by phone and credit access was restored on XX/XX/XXXX.
On or about XX/XX/XXXX, I contacted Comenity to enter a dispute of the lost payment. Comenity wrote me a letter stating they would look into it.
Then I received the letter dated XX/XX/XXXX stating that there is no record of my payment to the XXXX XXXX Visa Card. The letter stated I needed to contact my bank. Well, I did not make the payment to the XXXX XXXX Visa Card, I made it to the old XXXX XXXX XXXX. The letter stated I need to write you a letter to provide the additional information.
I have tried to keep up with the payments as best as I can. However, the fact that this money was not applied as expected has caused the account to accrue Late Fees, Foreign Transaction Fees and Interest Charged. Not to mention the many hours I have spent performing this research. Once the matter is resolved, I will expect ALL fees to be reimbursed, totaling {$75.00}.
On XX/XX/XXXX, I sent a letter with all supporting documentation to Comenity as instructed. On XX/XX/XXXX, I created an on-line account with Comenity and uploaded the same documents. I have called Comenity every two weeks requesting an update and each time the response is " its under investigation '' and " we have 90 days to complete the investigation. '' I have exhausted all of my resources and I am not able to assist any further. You have all of the information you need to resolve the problem. I look forward to your expedited resolution.
Thank you, XXXX XXXX
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.
10/01/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
WA
XXXXX
Web
For the last few months I pay my credit card bill, the payment processes, the money is removed from my account, then I get my statement. My statement shows that my payment was returned, then i get charged a return chk fee for {$41.00}, a late fee of up to {$41.00} and the money is not returned. I also pay by debit card normally, if there is no money in the account, the payment would decline. I also noticed my birthday was changed from XXXX to XXXX. I went to XXXX in person to update this but, this can only be corrected by phone or e mail. I messaged them, no luck, I tried to call, The line just beeps. I also noticed a different account number which I also called and messaged about. I was given credit for my payment and fees last month. When I received my new bill it had be reversed back. As fast as I can correct my info it is sabotaged. i pay on time attempting to improve my credit, the company says to contact the card issuer, the card issuer says contact the place that took your payment. Im being sent in circles, even if the prob is temp resolved, Its only a matter of time before everyting I correct goes right back to where I started. This also happens on other accounts. This is unfair, how can I ever improve credit in a situation like this. I opened the account ending in XXXX in person with valid ID how can a birthday get changed? This problem is happening with all of my accounts, not just XXXX. I also have credit monitoring accounts being created and paid for, also freezing my credit under an account that isn't mine. Currently XXXX has an account in my name with a credit freeze, thats not actually an account I created or can access, I did write to them since I cant get thought to them by phone. This also is making it hard to refi my house. Im literally being taken from, then charged for it then add interest.
This makes it impossible to improve my credit and impossible to get ahead on bills. This is just the beginning of issues. I do not think it is the company directly, I think someone has control or access that should not. I also had a UBI that I was unaware of and an ISO which is patent, I dont know if this may be related to my issues but im getting copy right infringement strikes and have never actually recieved any legal paper document or a response to what exactly im infringing, Making it hard to appeal because I dont know what exactly to appeal or who to adress the appeal to or what url was involved. Also I have been confirmed a victim of identity theft! I dont know how Ill ever get that under control when I cant even control a credit card account! The card I am using is my card, i recieve my paychecks on this card. It is a XXXX all access card with XXXX bank. My employer is XXXX ( XXXX XXXX XXXX XXXX wa. ), the direct deposit appears from volume services!
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.
11/08/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
34997
Web
In XXXX of XXXX, we purchased {$14000.00} worth of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which had a XXXX 0 % interest promotion financed through Comenity Capital Bank . This loan ( account number XXXX XXXX XXXX XXXX ) was on a monthly payment plan to ensure the full balance was paid off within the XXXX promotional period.
Then in XX/XX/XXXX, we made a 2nd purchase which also had a 12-month 0 % interest plan, and was told by the reps at the XXXX & XXXX XXXX XXXX XXXX XXXX FL store that it would be a 2nd/separate loan with its own 12-month 0 % interest promotional period.
But it was not set up correctly, and the amount from the 2nd loan was added into the first loan which caused the first loan to go into default when its promotional period expired and has kept the account in default the entire time incurring more late fees and penalties until the full balance of both loans was fully paid off. Also, at the same time, the 2nd loan amount was added, and our account was changed to paperless without our consent which caused this issue to go unnoticed for a period of time.
Once it was discovered, we first tried to contact the XXXX & XXXX in XXXX XXXX XXXXXXXX XXXX store manager who advised us there was nothing he could do, to contact XXXX XXXX the XXXX XXXX XXXX for XXXX XXXX XXXX and Comenity.
XXXX advised us to submit/open a case with Comenity regarding this, which we did and were promptly denied stating nothing can be done due to it being more than 60-days. XXXX attempted to address this case with Comenity and was also denied for the same reason.
We attempted to fight this with Comenity Capital Bank on multiple occasions and were told each time that the issue was caused by XXXXXXXX XXXX XXXXXXXX because Comenity wouldn't have added the 2nd loan amount to the first loan unless the instructions from XXXXXXXX XXXX XXXXXXXX indicated to do.
Each time we requested/demanded for Comenity Capital Bank provide us with documentation/proof that the order was done improperly by XXXX & XXXX. Each time Comenity Customer Care Supervisors refused to do so and claimed that the document doesn't exist due to it being over XXXX ago old though Florida state law requires the retention of all loan origination documents for 7-years.
The bottom line is, by Comenity Capital Bank improperly added the value of the 2nd loan into the first loan 's 12-month 0 % interest promotional period, it caused that 1st loan to default and incur over XXXX XXXX in penalties and fees. Comenity has refused to remove any of the late fees or penalties while providing zero proof that anything was done improperly by XXXX XXXX XXXX and they don't seem to have any systems in place to handle anything over 60-days old which allows them to categorically deny any situation like this.
11/20/2022
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
NV
89119
Web
XX/XX/XXXX I disputed this account COMENITYCB/DAVIDSBRIDE Account number : [ XXXX ] here on CFPB again that was found on my credit report from loan officers that I had requested original proof of last year. I was told that this account is a Charge Off, however it's reporting that payments are still being made based on the payment history from XXXX. I then requested a reinvestigation in XXXX XXXX because I had found out the same thing was still on my credit report on XXXX XXXX ( in the midst of trying to get a mortgage loan ) that I wasn't aware of and/or thought were already removed/corrected. I requested for the account to be thourougly reinvestigated ( checking, updating, deleting, correcting the summary of each report from each of the 3 bureaus ). I sent it via certified mail on XXXX ( tracking number below ). It has again been more than 30 days and no letter from COMENITYCB/DAVIDSBRIDE stating if the CHARGE OFF was final or not.
Not only that, but I found out recently that there's another account -> XXXX XXXX Account number [ XXXX ] who supposedly bought the debt from COMENITYCB/DAVIDSBRIDE XXXX which is being reported as an OPEN ACCOUNT. Which is illegal and against FCRA to try to collect payments for the SAME DEBT through 2 different accounts.
Section 607 ( b ) of FCRA ( 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.
Consumer reporting agencies must Correct or Delete ANY inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate.
( Credit report from XXXX XXXX *highlighted yellow* below ) versus ( Credit report from XXXX XXXX, XXXX *circled in black ink below ) Is still reporting the same inaccuracies for Account status, Terms, High Credit, Date Last reported, Date Last Active, and the 2 year payment history. All of which are violations and not reporting the same across all 3 bureaus.
Unfortunately, I no longer have housing due to credit implications that has affected my credit score and history. As you will see my credit score has dropped tremendously even more within the last month because I've had to dispute over and over for the same problem.
I'm requesting monetary relief and deletion at this point, because I've tried all I could.
I will have the photo of both credit reports pulled on XXXX XXXX and XXXX XXXX in comparision showing that there was no thorough investigation done by COMENITYCB/DAVIDSBRIDE nor XXXX XXXX.
Tracking numbers : 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 )
10/26/2023
Yes
Credit card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
MI
483XX
Web
Comenity Bank/Now XXXX XXXX I have a credit card with this company. I had a 2 couch purchase in XXXX with 0 % interest for 4 years. I have diligently paid every month for that time. My balance was down to {$100.00} the final month for which payment was due XX/XX/XXXX. My minimum payment was {$530.00}. I paid {$600.00}. Every month I pay the minimum payment and money is applied to the Promotional balance. In XXXX, {$76.00} was applied from my payment which was lower than XXXX. I figured with my paying {$65.00} over the minimum due, that that would cover the remaining {$100.00}. I called the institution on XX/XX/XXXXXXXX to make sure that my {$600.00} payment covered the promotional balance due. I was assured in no uncertain terms ( twice ) that it DID cover the promotional balance. I asked for this to be notated on their system. The representative stated that ALL calls are notated. Today, on XX/XX/XXXXXXXX I received my XXXX statement that was mailed on XX/XX/XXXX, stating that I still owed {$28.00} on the promotional balance and that it was due on XX/XX/XXXX. This would mean that I will likely be charged 4 figures in interest dating back to XXXX. I was diligent with the payments on this account. I verified I covered the balance, yet, this happens.
Let me add that the XXXX statement reads as follows : " Warning : Promotional plan ( s ) ending soon, if you do not pay your plan WV INT XXXX XXXX XXXX of {$100.00} by XX/XX/XXXX any remaining balance will be assessed interest at the standard purchase APR. '' In the XXXX statement, the verbiage is changed : " Warning : Promotional plan ( s ) ending soon, if you do not pay your plan XXXX XXXX XXXX XXXX balance of {$28.00} by XX/XX/XXXXXXXX any remaining balance will be assessed interest at the standard purchase APR. This payment needs to be IN ADDITION to your minimum payment due. Then there was some language about automated payments, which I do not have.
The company never makes clear what amount would be necessary to pay off the promotional balance, while keeping in mind that even minimum payments have funds applied to the promotional balance. It is funny how there never was verbiage about the payment needing to be done IN ADDITION to your minimum payment due on XXXX 's statement. Also, note that the statement was mailed on XX/XX/XXXX for a payment that was due XX/XX/XXXX.
Bottom line : I was assured on XX/XX/XXXXXXXX that my payment of {$600.00} covered the promotional balance. I called the institution today and voiced my complaint. They stated that they have filed a grievance on my behalf and would receive a mailed answer in 7-10 days. This is my second issue with this CC company. I am going to find another CC company to transfer my balance to once they have corrected this obvious mistake. XXXX XXXX
12/20/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
CA
92627
Web
I made an electronic payment to my credit card account of XXXX dollars on XX/XX/2022 using the same information that I have been using for literally years. The payment was never posted to my account.
When I inquired Comenity bank I was told the payment was made to an old/outdated account number. Apparently, my c/c account was taken over a few years prior and I was issued a new account number that I was not aware of.
I was making payments to an account number that was originally issued to me and when the bank took over my account and my account number changed their system was still " able to find me '' using my original account number. It was only after their systems updated when I made the payment as usual and the system " did not find me ''. So the payment is " lost ''. They did a system overhaul beginning XX/XX/2022 that is what caused all these problems.
On XXXX 2022 I called in and gave the customer service rep all the information they needed to find the electronic payment. I was told it can take up to 60 days to resolve and it was a simple issue of " finding '' the payment. I was told it happens all the time and I will be contacted when this issue gets resolved. I was never contacted by the " dispute department '' or there is no way to contact them directly.
On XX/XX/XXXX, I made yet another follow up call to get the status of my claim. I was then told I needed to submit the missing/lost payment information in a document from the bank. I did that and then they started the claim all over again. Like new claim.
To make a long story short, it is now 5 months later with no end in sight.
I was also told, in writing, that I did not need to make any payments for the amount in dispute or I would not be charged interest. Both of those statements are false. I have been charged interest and received emails demanding payment for the balance in question.
I was told in confidence from a customer service rep that their are so many disputes because of their system overhaul in XXXX, that they are overwhelmed and under staffed and can not keep up with all the complaints.
It is now over 5 months since I opened the original " dispute ''. I have been countless phone calls and numerous email messages to these people. At least XXXX phone calls and at least XXXX emails. I have yet to be contacted by the dispute department other than a standard cover letter explaining the procedure. There is no claim or reference number to this dispute. I was told they use my phone number/ c/c number for their reference.
I am so frustrated with the lack of progress or communication from these people. I feel like a victim of some type of scheme. I would have never expected this king of issue from a large financial institution.
Can someone please help me? Thank you, XXXX XXXX XXXX
10/18/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
DE
19720
Web
My NFL Extra Points Visa credit card with Comenity Capital Bank features an advertised benefit of 0 % interest of purchases over {$250.00} to pay for XXXX tickets, which is clearly stated in the terms and conditions of the cardmember agreement.
My season tickets with the XXXX XXXX are eligible transactions under those terms and conditions and were charged to my card in 4 equal monthly installments ( @ {$2500.00} each in XXXX, XXXX, XXXX, and XXXX. ) Only the first transaction ( in XXXX ) was placed in the 0 % promotion correctly. The subsequent transactions were treated as normal transactions and have been accruing regular interest.
I reported this issue after receiving my XXXX statement when the 2nd of the 4 transactions ( made on XX/XX/22 ) was not reflected on my statement as being in the promotion. I was told a dispute would be opened and resolved within 90 days. I never received any acknowledgment the dispute was opened. On XX/XX/22 ( beyond the 90 timeframe ) I called again to check the status as I received no communication as to the resolution of the dispute. I was told it was " never worked '' and that a new dispute would need to be opened. I again have received no acknowledgment of a dispute or been contacted about it, to date.
For the last 6 months I have had to manually calculate my true balance owed and pay that amount each month by paying my entire monthly statement balance minus the transactions that should be on the promotion. Each month the interest is continuing to accrue and compound. This has also resulted in Comenity mis-reporting my account status to the Credit Bureaus with a monthly revolving balance when in actuality I have been paying off every transaction made that month in full. This is now negatively affecting my credit score.
Transaction Details : XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was correctly treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] As of today, after my most recent statement closing date of XX/XX/22, I have been incorrectly charged {$1200.00} in interest.
In addition, those same 3 transactions that were not correctly treated as promotional balance transactions also were not given the advertised 3x rewards points that XXXX team purchases are eligible for, as outlined in the terms and conditions of the cardmember agreement. They each received only XXXX in rewards points instead of the correct XXXX they each should receive. That is a difference of XXXX reward points that are due.
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.
02/28/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
GA
30019
Web
XX/XX/XXXX On XX/XX/XXXX, I made an online electronic payment from my XXXX XXXX checking account to Comenity Capital Bank in the amount of {$200.00}. The payment was intended to be applied to my NFL Extra Points Visa credit card with Comenity Capital Bank. I have used this method of payment many times in the past for this credit card and all of my other bills.
A few days later, I received a notification from Comenity that my payment for XX/XX/XXXX was not received. I checked my XXXX bill pay account and realized that I made the XX/XX/XXXX payment to Comenity Capital Bank, but I inadvertently applied the payment to the wrong account number.
My previous NFL Extra Point Visa account number was XXXX. I made my XX/XX/XXXX, payment to this account number. I should have made the payment using my current account number ending in XXXX.
I called Comenity Capital Banks Customer Service number and spoke to a representative to explain the error. The representative said that they could not find my payment in their records and that I would need to mail in a copy of my electronic payment to their dispute department.
On XX/XX/XXXX, I mailed a copy of the proof of electronic payment from my bank account bill pay and a letter explaining the error to the dispute department at Comenity Capital Bank.
From XX/XX/XXXX through XX/XX/XXXX, I called Comenity Capital Banks Customer Service number and talked to several customer service representatives and managers who all told me that they received my dispute documents but were unable to apply my {$200.00} payment to my account until the investigation was concluded. Initially, I was told that the investigation would take 7-10 business days and then later I was told that it could take up to 90 business days. It seemed outrageous and impractical that the bank would receive a {$200.00} payment from me to my old closed account number but was clueless about how to transfer and apply that payment to my current account.
Finally, on XX/XX/XXXX, I received a letter from Comenity Capital Bank stating they need additional evidence that I made the XX/XX/XXXX payment. I called Comenity Capital Banks Customer Service number and was informed that they wanted me to have my bank trace the payment and their investigation would take an addition
al 90 business days.
I can not express the frustration that I am experiencing with this entire situation. I made a payment to the correct bank that has all of my information but used the incorrect account number and Comenity Capital Bank has kept my money and is acting as if they cant find it for over 5 months now. This is outrageous and unprofessional and predatory and I want my {$200.00} payment applied to my current account and all late fees removed immediately.
XXXX XXXX XXXX
09/27/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
WI
XXXXX
Web
Older American
I had a Victoria 's Secret credit card. I was issued an Ulta credit card. I had decided I had little to no use for the Ulta credit card. I called the phone number on the back of the Ulta credit card to close this account. Ulta 's issuing bank is Comenity Bank.
I had tried repeatedly to make a purchase at XXXX XXXX XXXX XXXX using my Victoria 's Secret credit card. My purchase was repeatedly denied. After being continually denied I became very frustrated. Thinking that the problem was XXXX XXXX XXXX XXXX website i called them and placed my order with a representative ; once again, my order was declined.
I then called the phone number on the back of the Victoria 's Secret credit card to confirm that their card could still be used at XXXX XXXX XXXX XXXX. I also verified my credit limit.
Keep in mind a lot of time had passed. Now I called the number on the back of the Victoria 's Secret credit card to speak with a representative to find out what was causing these repeated failures to make a purchase.
Victoria 's Secret issuing bank is Comenity ; the same bank as Ulta credit card. I was informed that my Victoria 's Secret credit card had been closed ; by me! I told the representative that there was a mistake ; I would NEVER close my Victoria 's Secret credit card. The representative started reviewing my account. I had told her that I had closed a Ulta credit card.
After some discussion the representative then noticed that Comenity Bank is the issuing bank for both Victoria 's Secret and Ulta credit cards. The day that I had called to close the Ulta credit card, the representative had in error closed my Victoria 's Secret credit card.
I told the representative that I wanted my Victoria 's Secret credit card back! I was told it was too late I needed to do this much sooner. But I had not known that this is what was causing all my problems. She told me to apply for a new Victoria 's Secret credit card.
I did not close my account! A representative of Comenity Bank had closed my account. I was in great standing with my Victoria 's Secret credit card, my entire balance was paid in full. I made all my payments on time. I receive various member rewards for the length of time I had my Victoria 's Secret credit card. I should not have to start all over. This is Comenity Banks error and Comenity Bank should fix this error.
I had submitted this complaint XX/XX/2022 it should not take this much time to correct a mistake that they caused. I have missed many, many sales at both Victoria 's Secret and XXXX XXXX XXXX XXXX. Simply reissue my Victoria 's Secret credit card! I am frustrated, I am angry!
My original complaint number is : XXXX.
I do intend to take this further if I am not restored to my original position.
Sincerely, XXXX XXXX
07/22/2019
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was result of identity theft
TX
XXXXX
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.
04/28/2023
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
NC
28269
Web
Commenity capt XXXX XXXX XXXX XXXX ph XXXX Billing disputes XX/XX/XXXX Hello, I am a victim of identity and bank fraud. As a result, monies exceeding XXXX was taken out of my account and caused payments to decline and a 30 day mark on my credit. A police report is attached and bank emails as proof. It was discovered XXXX and is still under investigation with bank. Rejected payment has been re submitted from another account.
Please reverse negative 30 day. I assure you a missed payment was not my intention as I did have monies in my account but around this time my bank accounts were compromised due to fraud XX/XX/XXXX Commenity bank stated it takes 30 days to investigate.
XX/XX/XXXX received alert from Credit bureau saying my file was updated to not being 60 days past due XX/XX/XXXX I called Commenity to see what was going on with the investigation and was advised the account was closed and when asked why they said the credit bureau told them too but wouldnt say which one. They then said it would be deleted from my credit file but credit bureau do not show this and the 30day mark is still there on Commenity system and all 3 agencies. I called the credit bureaus and all 3 stated they did not request to close my account and resubmitted my request to have 30day mark removed due to bank fraud.
On XX/XX/XXXX I sent another message through the message port al 1. Message as follows : I filed Dispute to have my account status u pdates from 30 days late to paid as agreed due to a payment reversing as ns
f due to reasons outside of my control as my bank account was compromised. I called and was told you could reverse this as a courtesy since the bank fraud was no fault of my own. I was advised to provide copy or police report and message from my bank in which I did. However it he message portal was broke so I was told to reach out to the 3 credit bureaus. I did and now Commenity says my account is closed and the 30 day mark is stil up there. However credit bureaus all say they didnt request that. Please help and remove 30 day and reopen my account. I will also notify CFPB to get involved as I get nowhere through customer service or this portal Please help this company closed my account did not respond to message, 30 Day mark is still there. I will pay this off in full but need it to reverse the 30 day mark. I will never do business with Commenity again until the develop better practices and controls to fix issues like this without creating further confusion and inconvenience. My credit limit was reduced and then just closed its insane when I made it clear that my missed payment was due to nofauly of mine provided all proof and they create a bigger mess for me. Please remove the 30 day mark and at this point thr account can stay closed
02/09/2023
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
MO
63043
Web
Servicemember
XXXX Opened XXXX credit card to receive discount on XXXX purchase.
XXXX received statement saying I am late and there was late fee on top of my XXXX bill.
Immediately went online activated card, paid balance in full, then contacted them saying I never received first bill and requested late fee credit which they did do. I received emailed payment confirmation showing bill paid in full with checking account ending in XXXX.
XXXX received letter in mail saying my payment was returned and i was now XXXX in fees on top of my XXXX bill. I immediately went online paying bill with same bank account ending in XXXX in full minus XXXX in fees because there was plenty of money in account to cover the XXXX payment. I also closed my account at that time time because I felt this is a shady credit card, that is trying to scam me because they didnt send me the first bill charging me a late fee, then they returned my payment when there was plenty of money to cover my payment.
Over the course of the next couple weeks kept calling them trying to get the returned check fee credited because that was an error finally I was told to reach out to bank XXXX they were at fault which bank told me it was never presented for payment.
XX/XX/XXXX XXXX As requested submitted proof of money in account which I submitted both my XXXX and XXXX bank statements, along with both the XX/XX/XXXX and XXXX payment confirmation showing bank account ending in XXXX and XX/XX/2022 account activation email.
XXXX XXXX received email from Comenity Bank at 6 XXXX saying info received and forwarded to correct dept.
XXXX XXXX even though I was told on phone that disputed amount dont require payment I still responded to that XX/XX/XXXX email asking that all is left on account is disputed fees, do I have to pay them to avoid more fees BC I dont want anymore fees or this effecting my credit score. I was told disputed amounts dont have to get paid.
XX/XX/XXXX I received letter in mail saying I am a valued customer and to call them as soon as possible to resolve my issue. I called immediately and while waiting to get connected a recording told me my balance is now XXXX which is another late fee and not only that after asking for supervisor the senior acct specialist told me he can only remove the latest late fee which is the fee I got for not paying the disputed amount before the due date which is such a scam.
Why did they tell me to call asap to resolve this only to be told my original dispute is no even though my bank statements show money to cover item and its an error. They said bank account number is one number different. They already knew that when they told me to send bank statement showing money in account. They did that to tack on another fee. This company is so shady.
12/08/2023
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
TX
77545
Web
Servicemember
Comenity Bank did not honor the Account Assure feature on the NY & Company store credit card account that I opened XX/XX/XXXX. I called Comenity Bank XX/XX/XXXX to ask for assistance during financial hardship due to illness and unemployment to recover from late payment fees that sent my account over the limit. I called the bank back and agreed to make minimum payments, however, late fees and over the limit fees continued to accrue, making any effort to pay useless.
In XX/XX/XXXX, I called Comenity after a voicemail message from about the past due payments. Because I had no income, I asked if the account could be closed because I was not working and had no income, but they would not allow me to close the account in past due status. I asked about the Account Assure feature, and was told that I had to pay the past due balance before that feature could be used to keep my account current. I could not pay anything at that specific time. I called back in XX/XX/XXXX to try to make arrangements for partial payment, but the bank refused a partial payment and closed my account later in XX/XX/XXXX after refusing to allow me to close the account in XX/XX/XXXX. Within months, in XX/XX/XXXX, the account was closed and charged off. The bank added on late fees that ran the balance up to {$920.00}. The debt was sold to XXXX XXXX collection agency in XX/XX/XXXX.
In XX/XX/XXXX, the account with XXXX XXXX was disputed and resulted in the account being deleted from my credit report, however, Comenity Bank has once again sold the account to ADS and the negative item is now back on my credit report since XX/XX/XXXX. The current balance is almost double the amount of the credit limit of {$450.00}. The last payment I made was in XX/XX/XXXX for {$28.00}. I did not receive any notification from ADS prior to the re-entry of the collection status for the Comenity Bank account on all three of my credit reports.
ADS has not sent written communication to me to inform that they are trying to collect on a time-barred account, as the original account is past four years old. They are in violation of Texas HB 996 enacted on 9/1/ 2019 that states that buyers of old debts must provide consumers specific written notices in their first written communication if they are collecting a time-barred debt. The notice should tell that they can not sue to collect the debt and give the consumer information about whether or not they are reporting the debt on consumer credit reports.
I have tried disputing the account, however, it still appears and updates with no explanation for the balance, and they have limited contact information. I have disputed the debt and requested deletion of the account at all three credit bureaus. The debt is still showing on all three reports.
12/07/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
KY
400XX
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
04/07/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
NY
11236
Web
Take notice, this letter details a bevy of inaccuracies on my credit report. Be aware that courts have proved that inaccurate payment history scales heavily on a consumers credit worthiness. The following inaccuracies are being furnished in regards to Comenity/Capital/XXXX Account XXXX XXXX , Date opened XX/XX/XXXX currently appearing on my XXXX, XXXX, and XXXX credit report.
Missing balance data on : XXXX : XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX Inaccurate late payments on : XXXX : XX/XX/XXXX : XXXX No past due data on : XXXX : XX/XX/XXXX : XXXX Attached are supplemental documents including data from other credit bureaus detailing similar inaccuracies, leading me to believe this company is not taking the proper steps to ensure maximum accuracy of my credit report. If a natural person and/or an organization responds to this letter without remedying the consumer in accordance with the Fair Credit Reporting Act 15 USC 1681 ; you may be sued and face penalties. The remedy I am seeking is deletion of the inaccurate data.
A financial institution such as Comenity/Capital/XXXX must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a previous billing statement. I have not received such and I have reason to believe Comenity/CapitalXXXX is in violation of 1681s-2 ( 7 ) ( A ) ( i ) by not meeting this requirement.
Pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) financial institutions like Comenity/Capital/XXXX are prohibited from furnishing any information relating to a consumer if they have reasonable cause to believe that the information is incorrect.
Notice, it is a fact, upon receipt of this claim Comenity/Capital/XXXX has reasonable cause to believe that the information is correct.
Notice, it is a fact, affiant is aware, pursuant to 15 U.S. Code 1681g, I, the consumer have the right to request a full file disclosure about the information within my consumer file which includes the sources of the information used to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, identification of each person that procured my consumer report, including their address and telephone number of the persons, a record of all inquiries received by the agency during the 1 year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer. I am currently requesting a full file disclosure. If any material is concealed from me that would otherwise be revealed in a court proceeding during the process of discovery it will be duly noted.
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.
03/20/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
RI
02905
Web
Older American
XX/XX/XXXX a payment of {$190.00} was made to BJs Comenity account # XXXX from my XXXX bill pay/checking account.
XX/XX/XXXX my BJs card was declined I called Comenity ( XXXX ) and was told they didnt receive the XXXX payment. I immediately authorized a payment of {$260.00} from my XXXX account.
I checked my account with BJs and realized the XXXX payments were not credited to my account. I closed the account and filed a fraud complaint.
XX/XX/XXXX a payment of {$250.00} was made from my XXXX account to BJs Comenity XX/XX/XXXX the XX/XX/XXXX payment was not credited to my Comenity account this error was added to my complaint.
I received three letters stating that they were investigating my complaint.
XX/XX/XXXX I met with the vice president of my local XXXX and asked for help. She called Comenity and they hung up on her. She wrote a letter to Comenity stating that the three amounts I was disputing were paid.
XX/XX/XXXX Comenity wrote requesting a copy of my banking details from 30 days after the payments processed and a letter from my bank XX/XX/XXXX XXXX XXXX wrote another letter with my banking details.
XX/XX/XXXX Comenity sent a letter that stating : On XX/XX/XXXX you filed a fraud dispute on the above BJS WHOLESALE MASTERCARD credit account with us. After our thorough investigation of the claim we have concluded that you are not responsible for the disputed balance amount on the BJS WHOLESALE MASTERCARD 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. Please allow 30 to 45 days for the update to occur.
XXXX XXXX I received correspondence from Comenity stating : On XXXX XXXX you filed a fraud dispute on the above BJS WHOLESALE MASTERCARD credit card account with us. After our thorough investigation of the claim we have concluded that you are not responsible for the disputed balance amount on the BJS WHOLESALE MASTERCARD 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. Please allow 30 to 45 days for the update to occur.
XX/XX/XXXX I received this correspondence from Comenity stating : Thank you for contacting Comenity Capital Bank. As the bank that issues your BJS WHOLESALE MASTERCARD credit card account. After reviewing our records, we can confirm receipt of the following payment {$240.00} on XX/XX/XXXX. We credited this payment to your account. Your current balance is {$0.00}.
XX/XX/XXXX I called Comenity and was told BJs accounts were now handled by XXXX XXXX. I called XXXX XXXX and was told this dispute was the responsibility of Comenity.
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
XXXXX
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
231XX
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.
03/25/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
LA
700XX
Web
In XXXX, I was reviewing my consumer report. There was a inquiry on the report from Comenity/Jared that I had a concern about. They disputed the inquiry, but somehow disputed the accounts that were connected to comenity, such as Victoria Secret, JCrew, Comenity Mastercard, XXXX 's reward. How can this be mistaken as accounts???? In XXXX I went to Jcrew with the card in question to use the card and it was closed, I tried my mastercard only to find I couldn't use it either. I called and spoke to a representative which explained what happened so he said so you didn't report it stolen??? I said no i'm in the store now. He said well I will have the account reopened. I had them check my other accounts to make sure there were no issues and I explained that it was a inquiry for Jared so he looked and said there were no accounts open under that name and I said I know, but the inquiry is there so he said he understood and would assure there'd be no issues only to find a whole month later still issues and I have all of these cards in my hand, and I have worked very hard to maintain my good credit. I have paid every single bill on time, never called them with any issues and it's on my consumer report as paid. I have over 74 credit cards and I pay each one of them when I am supposed to. Im in the process of buying a new house and I don't need this negative activity on my reports. This is unfair. I'm the legal consumer and I control what goes on my reports. I am the one who applied for these cards and got approved because of my good credit. I should not have to reapply and put a inquiry on my report for something I had anyway. This definitely was a mistake. When I spoke to XXXX, XXXX said the card shows on my consumer report as still open. This is a bad representation of how a good consumer is treated that pays every bill on time. No one called me to verify if this was me or not. They just closed the account. Question : Why would I dispute cards I frequently use??? It doesn't make sense They even said they would send new cards to these accounts to fix the issue. Why deny me credit to the cards I have all in my hand??????
This is an embarrassment. Especailly in the stores i'm familiar with.
My XXXX reward I got that for being a member at XXXX XXXX, You have to be a member. I swiped my Drivers License to get approved and I did. So you mean to tell me that I have to go in the casino again to reapply for a card I had???? This is unacceptable!!!! And with comenity I have about 24-30 different cards in my name so they didnt think this thru. Your gon na do your longtime active consumer like this. Causing me to definitely want to take my business elsewhere losing all good active accounts if they can not fix this mess.
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
XXXXX
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.
05/11/2023
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
TN
38138
Web
I closed my Comenity Loft Mastercard in XXXX of XXXX. I sent an electronic payment through my bank bill pay ( XXXX ) on XX/XX/XXXX in the amount of {$390.00} payable to Loft Mastercard payment clear date was XX/XX/XXXX for account number ending in XXXX. This amount paid off my entire balance due. I closed this account and made no additional charges on this account.
Comenity never credited my account for this payment, and I began receiving past due notices/bills the following month. I called Comenity customer service and told them that I had already paid the balance in full.
I continued to receive past due statements and incurred finance charges and interest charges on the amount even though I paid it in full. I continued to call every month to tell them that I had paid the balance in full in XXXX.
Comenity asked my bank to provide a proof of the electronic transmittal form, which XXXX did in XX/XX/XXXX and again in XX/XX/XXXX. I mailed proof of payment along with a letter explaining the issue in XX/XX/XXXX and then again via certified mail in XX/XX/XXXX. I also submitted this online as a secured message on the Comenity site and provided the document proof of payment from XXXX.
I have contacted Comenity every month to get this resolved, they say that the dispute department is handling it, but they said I can not call the dispute department they only communicate via email or XXXX mail.
I went to XXXX and had the XXXXXXXX XXXX branch manager confirm that the payment was sent in XXXX as I stated above. In one letter, Comenity said they received my payment and then returned my payment due to an invalid account number. That is inaccurate because the account number listed on my transmittal was correct. My XXXX XXXX branch manager double checked just to be sure and neither XXXX nor me received any payment back from Comenity. Then in another letter they said they never received the payment. How can they say they received it and then say they didnt receive it? ( Im attaching both of those letters for your review as well. ) To make matters much worse, Comenity has reported me in collections to the credit companies and my credit score has dropped more than 100 points. THIS IS NOT GOOD.
I have tried everything to get this resolved, I am so discouraged. I paid the amount in full when it was due and there should be no finance charges, late fees, or interest payments due, but because they never gave me credit for the payment, they keep sending me bills with interest and late fees.
I am attaching the proof of payment provided by XXXX as well as the conflicting Comenity correspondence. Please feel to reach out to me and I will answer any questions you have regarding this matter.
XXXX XXXX XXXX
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.
04/06/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Incorrect information on your report
Information is missing that should be on the report
TX
754XX
Web
When Comenity took over my account around XXXX of 2022 all reporting to Credit Bureaus ceased. I called after a few months, and was told that the same system upgrade that was not allowing me to access my account online was the reason my account hadn't been reported to the Credit Bureaus. I mentioned that they had informed account holders that the " upgrade '' would be finished in a couple weeks, and we were months into it. They said they could give me my balance because I still had to pay, but they needed a few more weeks to finish the " upgrade ''. I was finally able to access the account online around XXXX or XXXX, so I called this time to see about getting the account reported to the Credit Bureaus. I was told that there was a backlog due to the " upgrade '', and I would need to wait until 6 months after the last time the account was reported. I waited until XXXX to call again, and was this time told to contact each Credit Bureau to ask them why Comenity was not reporting my account. I pushed back since it was not any of the Credit Bureaus that held my account, so they finally relented and stated that the only thing to do was for me to write a letter and mail it to Comenity to see why they weren't reporting the account. I asked if there was some way to talk to someone by phone, chat, or email, and they stated that there wasn't. I paid off the card and stopped using it, and come XXXX I noticed that the account no longer showed on my credit report. My credit score also plummeted, presumably because it seemed that the account was closed by the issuer and my available credit was reduced. I decided to used the card for one transaction to see if it would finally trigger a submission to the Credit Bureaus. When XXXX came with no change, I sent a message through Commenity 's website. Their response stated that they would resume reporting to Credit Bureaus on XX/XX/2022. I responded that the date mentioned passed 2 months earlier, so they said they would look into the issue, and get back to me in a month. A little over a month later, I received a letter in the mail from Comenity stating that they were reponding to my issue, and found that they have not and will not report my account to any Credit Bureaus. The letter further advised that I should call their customer service number if I had any questions. I immediately called, and was told I'd need to write in to Comenity to have the issue resolved. After some time of pushing back, I finally spoke to a " Supervisor '' who told me that she couldn't believe that no one had filled out the form to get my acccount reported to the Credit Bureaus immediately, but she would do so. It has been a month, and I still don't see the account on my credit report.
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
541XX
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.
04/12/2022
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
MT
59701
Web
Servicemember
XX/XX/XXXX - placed order for 4 appliances with AXXXX XXXX XXXX logged in to check on delivery of order to discover that 3 of the 4 items were on backorder, called XXXX XXXX to determine their delivery date. XXXX XXXX could not tell me when they would be available. I asked to cancel the entire order because I needed all 4 items.
XXXX XXXX XXXX had still not cancelled the order. XXXX XXXX stated that 1 item had shipped and there would be a charge of XXXX. I provided documentation from XXXX showing them that the item had not shipped ( see pages 4-5 ).
XX/XX/XXXX - I received a partial refund from XXXX XXXX
XXXX XXXX field a dispute with XXXX XXXX for the remaining balance. ( pg 3 and page 7 ) XXXX XXXX XXXX sent a letter saying dispute was under investigation.
XXXX XXXX XXXX refunded a partial amount leaving a balance of XXXX which I was still in disagreement over.
XXXX Commenity Bank sent a very vague letter.
XXXX I called and spoke to Commenity and they stated my dispute had been closed due to the XX/XX/XXXX partial refund. I stated I disagreed with that outcome and am still disputing the XXXX that had been withheld. I was connected to a supervisor who reopened the dispute and asked me to send the XXXX documentation ( pages 4-5 ) as evidence that the item had not shipped and a full refund was due to me.
XX/XX/XXXX - Received a letter from Comenity saying the dispute was under investigation XXXX Comenity sent another letter stating they could not fulfill my request.
XXXX Called and spoke to Comenity and explained they reached the wrong conclusion and that because 1 ) XXXX XXXX had not been transparent up front about items being on backorder they caused the order to be cancelled and 2 ) that the item had never shipped in accordance with the XXXX XXXX. I stated I would not pay the bill and that I was totally dissatisfied with how Comenity handled these 2 disputes. I stated I would file a complaint with the CFFB. Comenity then asked if I would talk to another supervisor. I was then placed on a 10 minute hold and connected to a staff person at XXXX XXXX who refused to help me. Comenity Bank was deceitful and did not tell me they were connecting me to XXXX XXXX. Once I found out I explained to them that I thought I was speaking with Comenity and that they were supposed to be acting on my behalf.
Comenity Bank has acted on behalf of XXXX XXXX in this entire matter and has not represented me in any way. Comenity wants to put money in the hands of XXXX XXXX at the expense of the consumer. XXXX XXXX never told me that my first dispute was not resolved, I only found this out when I phoned them to follow up on the issue. Comenity Bank is not in compliance with federal credit card laws.
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
117XX
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??????
03/11/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CA
922XX
Web
Older American, Servicemember
I received my Sony/Comenity Bank XX/XX/XXXX statement, which showed a balance due of {$1100.00}. I always pay my balance due IN FULL and on XX/XX/XXXX I paid this balance online, from my primary checking account and THE PAYMENT WAS TRANSMITTED to Comenity Bank, as reflected on my XX/XX/XXXX bank statement.
When I received my XX/XX/XXXX statement, it showed a previous balance due of {$1100.00}, which I knew to be incorrect, as the payment had been transmitted by my bank to Comenity bank, as was my custom and practice.
After researching everything and confirming payment had been sent, in a timely manner, I contacted Comenity by phone and spoke with an Account Specialist named XXXX and was given a reference XXXX XXXX She told me due to a system upgrade, payments had not posted properly. I assumed that they would follow up on my complaint, find my payment and resolve the issue.
Unfortunately, that has not been the case. When I received my XX/XX/XXXX statement it continued to show the PAST DUE BALANCE, which was accruing interest and late penalties.
I called customer service AGAIN and was told to provide them with the Trace ID number from my bank, for the payment transfer from my bank, which I did, that number is : XXXX Despite my documentation and repeated efforts, I continue to receive statements that show a balance forward, which includes the misappropriated payment, plus accrued interest and penalties.
Frustrated that this wasnt getting corrected, on XX/XX/XXXX I sent a letter to the company detailing the issue, my unsuccessful efforts to correct the problem, provided DOCUMENTATION ( bank statement showing the payment, tracing documents showing the transfer to Comenity with internal tracking numbers.
On XX/XX/XXXX Comenity responded, by mail, acknowledging receipt of my claim, assuring me that they were researching it. It said to allow them 90 days to complete their investigation, which Ive done.
Ive waited patiently for this to be resolved, but every month I receive a statement reflecting the outstanding balance, with accrued interest. Ive contacted them repeatedly by phone, expressing my concerns about this being reported to the credit reporting agencies, negatively impacting my superb credit history and they have repeatedly assured me it isnt being reported.
I just received my XX/XX/XXXX statement, which continues to show a previous balance due of {$1400.00}, which consists of my original charges/payment of {$1100.00} XXXX {$360.00} in interest and penalties.
This has gone on for more than 8 months now. Ive given them PROOF OF PAYMENT, theyve had my money since XX/XX/XXXX and this needs to be resolved ASAP, so I can close this account and be done with this company!!
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
04/19/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
33033
Web
Older American
I initiated a dispute on shipping charges on my XXXX XXXX store card for a refrigerator I ordered and then cancelled, I received a credit for the price of the refrigerator but not for the shipping charges. The store representative I spoke with was not willing to remove the charges ; therefore a resorted to the card issuer institution, this being Comenity Capital Bank.
I initiated a dispute for the amount of {$340.00} ( the shipping charges ) on XXXX of XXXX, in XXXX I received a letter advising that the dispute had been closed, I called the bank to get the reason why it had been closed. They were not able to give me a clear reasoning so I re-opened the dispute. I would call from time to time to find out the status of the dispute and they continue to tell me that it was in process, during this time they had been charging me late fees and interest fees, I brought it to their attention in XXXX of XXXX and they credited me for XXXX late fees. The process continued and I continued to call them to follow up, in XX/XX/XXXX, they finally told me that they could not do anything about it and that it would be best if I called XXXX XXXX directly ; so I did, I called them on the first days of XX/XX/XXXX and finally a floor manager by the name of XXXX was able to credit the store card with the {$340.00} for the shipping, she told me she would not be able to credit me for the late fees or interest charges.
I called Comenity again to request credit for the charges on the shipping charges that were being disputed. I asked why the account or the charges had not been suspended to avoid late fees or other charges, they told me something to the effect that my card did not have that service, which I found arbitrary as the account continue to be charged on charges that were being disputed and the possibility existed of them being eventually removed, furthermore, my account was reported to the credit reporting agencies for late payments.
Today I spent most of my day appealing to Comenity for a credit on charges that I feel where not justified as the charge that originated them was not right. I called seven times today because a got hang up on when I asked to be transferred to a supervisor or a manager, the last person I spoke with suggested I called XXXX XXXX for the credit since they were the ones that charge the shipping charges.
In my opinion, the account should have been put on hold until a resolution was achieved, instead they continue to charge me until the account accumulated {$130.00} in interest and late fees. I will make a payment to the account to avoid the damaging reports to the credit reporting agencies but this bank should be monitored for this kind of unfair business practices.
12/02/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
CA
93103
Web
I have a credit card called IKEA Visa Credit Card issued by Comenity Bank and I receive {$15.00} reward certificates from the bank every time that much rewards are accumulated. These certificates can be redeemed at IKEA against the purchases made at the store or online.
Few months ago, I received XXXX reward certificates of {$15.00} each, total {$30.00} in XXXX separate statements dated XX/XX/2022 and XX/XX/2022. On XX/XX/2022, I went to IKEA store at XXXX, CA to redeem both the reward certificates and discovered that the statements could not be redeemed since the XXXXKEA point of sale system was getting error when the certificates were scanned. When the issues was borough to the attention of the IKEA store manager, she mentioned that they are experiencing an issue with Comenity Bank 's rewards system hence my rewards could not be redeemed at that point. The store manager asked me to contact Comenity Bank to resolve the issue.
I contacted Comenity Bank about this issue after a few days of my visit to IKEA. I called the bank as well as sent them a message from their website on XX/XX/2022 explaining the issue I am facing with redeeming the rewards. The bank responded with following message : " We implemented a system update due to which some functions are temporarily disrupted. We are temporarily unable to see some account information and help with certain things. '' The bank did not give me any definite date on which the issue with their system will be resolved. So, I waited patiently and contacted them again on XX/XX/2022 since I did not hear back from them in the mean time. The bank responded with following message : " We are still working to resolve the reward issue that is impacting your account. Once this issue has been corrected, your rewards will be updated accordingly. Unfortunately, there is no time frame regarding when this issue will be fixed. '' After this I waited patiently again and called the bank on XX/XX/2022. I was able to talk to a customer support representative who failed to resolve the issue after investigating it for approximately XXXX mins and disconnected the call abruptly. I called them again talked to another customer support representative for around XXXX who said he wants to reissue me the {$30.00} rewards but the system he is working on does not give him that option. When insisted that I want this problem to solved today, he them transferred my call to his supervisor. The supervisor never answered the call and my issue remained unresolved after almost 5 months. This is not the first time I have faced issue with the Comenity Bank service and their rewards system and I fear that they don't want to resolve my issue and take away my {$30.00} rewards.
03/11/2022
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
PA
178XX
Web
Servicemember
Ulta credit card, serviced by Comenity, are perpetrating unfair credit reporting. They have added late charges to my account after I'd made my payment early, then when I paid my account off, placed interest charges 3 weeks after payment cleared for total stated balance on my account. Finally, they then placed a 30 day late charge on my account for the {XXXX} interest charged on an account paid off weeks earlier.
Ulta, by Comenity XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : XXXX To whom it may concern, I am writing to dispute the {XXXX} charge on my account that is being reported as a 30 day late to all three credit bureaus XXXX, XXXX and XXXX. This is incorrect and when you see that my account had been paid in advance for the XX/XX/XXXX payment due of {XXXX}, you will see that any late charges should have been removed, except for XX/XX/XXXX when I was 9 days later than due date, with my final payment.
My account had been paid off for 5 months, then I charged my account {XXXX} on XX/XX/XXXX. I did not have a XXXX payment due on XX/XX/XXXX, but I made a payment anyways on XX/XX/XXXX, that should have gone towards XX/XX/XXXX, since made after the monthly due dates of the XXXX that Ulta has on all their bills. Anything past the due date of the previous month, is supposed to roll towards the next payment. I paid ahead of time for my XX/XX/XXXX payment in the amount of {XXXX}, so the next payment due should have been on XX/XX/XXXX. You placed a late charge on my account XX/XX/XXXX, even though Id paid in advance of that date for that payment. I have NOT been 30 days late on a payment in XX/XX/XXXX or XX/XX/XXXX, as the account was paid in full on XX/XX/XXXX, only 10 days past the due date of XX/XX/XXXX.
I not only was charged an incorrect XX/XX/XXXX late charge, but this also then rolled all my balances to a higher amount, so when I made my full balance payment of {$68.00} on XX/XX/XXXX ( that wasnt due until XX/XX/XXXX ), you still placed a {XXXX} interest payment on the next statement that should have had a zero-balance owing. I had already paid the XXXX payment ahead of time and in full yet 2-3 weeks later you placed another {XXXX} charge on my account. The full balance payment of {XXXX} should have been {XXXX} less as the XX/XX/XXXX late charge was unfairly added. To pay my account in full on XX/XX/XXXX, I should have only had to pay a total of {XXXX}.
I am demanding you remove the XX/XX/XXXX late payment reporting on my credit report and I am reporting your unfair credit reporting practices to CPFB, as I have all the documentation to prove my complaint above is accurate and that you have been complicit in ruining my credit so I can not buy a home.
Sincerely, XXXX 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.
11/27/2022
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
024XX
Web
I have been an XXXX XXXX card member for 20 years when XXXX was using XXXX XXXX XXXX as their finical bank for their credit card. I never had a problem and thing always worked just find in receiving my money for Cash Back points earn on purchases, etc. Recently, XXXX change banks ( About a little on a month ago ) they now use Comenity Capital Bank to manage their XXXX XXXX XXXX credit Card without any notice given to the consumers. How I found out was when I went to login my account and I couldnt get in. I had to call to find out why. They gave me a number to call and said, everything including my points earned, outstanding balances, payments made online, etc. were transferred to the new bank called Comenity Capital Bank. On XX/XX/XXXX, I transferred some of my points form Comenity Capital Bank to receive {$190.00} wired to my checking account ( Information they have on file ). After not seeing the money transferred into my checking account. I called them inquiring about the transaction of {$190.00} not showing up in my checking account. But it shows on my credit card statement that the transaction was made, and the points were deducted from my account. Credit. But no money was transferred to checking account. In the first call, they said, it takes a few days to show up in your account. So, I gave it a couple of weeks. I still didnt see it there. I called again. That person said, it takes about 10 days for the wire transfer to get to your bank and with the holiday being on Friday the XXXX it should be there on the XXXX of XXXX. I checked again, and sure enough it wasnt there. So, I decided to wait a few more days to give it some time. I called again today for the third time. This person said, you need to contact your bank and asked them, we wired the payment out on XX/XX/XXXX, and it should have transferred over on the XXXX. I asked him for some information like transfer # or something I could provide the bank. He replied, I dont have that information. Your bank should know. So, I contacted my bank and they looked into this and even sent me an email follow up stating there is no transaction from Comenity Capital Bank to me for the {$190.00}. I called again, and the person on the phone said, i will open a depute and someone will call you in XXXX hours. It was Wednesday the XXXX and XXXX being the next day I waited for the call on Friday the XXXX of XXXX. No phone call. I called the next day Saturday the XXXX and this person who answered the phone said, I don't see any depute on this account. I will do it for you now, I asked how long it would take to resolve this issue. He replied, anywhere from 30 to 90 days.
Regards XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX
05/14/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
OH
45239
Web
Please Note : I received a message an account already existed for me, but this is the first time I used my new email to file a complaint with CFPB ; more proof of Identity Theft!
On or around XX/XX/XXXX I was denied credit because of fraud & /or identity theft getting reported by XXXX lowering my credit score.
I lived in XXXX, XXXX for over a year so it is impossible that the information is accurate, especially because all my imported USA property was stolen abroad & upon my repwiatriation in XXXX.
This is blatant retaliation discrimination ( as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, notice the date this occurred was XXXXXXXX XXXX XXXX & the TX XXXX is getting XXXX most from XXXX which even XXXX XXXX legally are protesting have it end & President Biden is discussing it with the President of XXXX ) which I have attempted to dispute with all my credit bureaus in the past directly and that is more trouble than it is worth ( waste of time & money ), so I'm filing a complaint with your organization.
Comenity Bank used my XXXX credit report to justify denying me continuance of credit with my Victoria 's Secret Credit Card.
The following information was given as reasons, but all of it is inaccurate : " Lack of real estate secured loan information Balances on accounts too high compared to credit limits and loan amounts Too few accounts paid as agreed Not enough balance paid down on installment accounts '' Concisely, to prove the inaccuracy of this information I do not have a house nor any loans in my name at this time that would effect my credit ( the student loans I have are deferred or deferrable ).
My Victoria 's Secret credit card is the only account I had & I paid it off as agreed & had a {$700.00} limit with a XXXX balance. I filed a separate complaint on Comenity Bank.
Additionally, all my USA property that I imported to XXXX, XXXX where I had lived from XX/XX/XXXX, well over a year was stolen and all my luggage when I repatriated XX/XX/XXXX, further proving identity theft & fraud/online scammers. I know the loans weren't done in person because none of the loans would have been approved & the irony is if I had applied I would have been denied, therefore, I don't know how the loans & credit was issued.
I would sue those responsible, but they never give me their names & this complaint is to stop their use of my credit which I didn't utilize abroad in XXXX nor have I upon my repatriation, except to continue using my VS credit card that prior I had to report as stolen.
In closing all of the XXXX listed loans & credit cards adversely effecting my credit score belong to someone other than me.
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
152XX
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
XXXXX
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.
06/13/2023
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
17109
Web
COMPANY INFORMATION : XXXXXXXX XXXX XXXX XXXX XXXX : Debt Collector ACCOUNT NUMBER : XXXX COMPANY INFORMATION : COMENITY BANK/ BONTON INVOLVEMENT : Original creditor ACCOUNT NUMBER : XXXX My latest credit report shows two companies on my credit report XXXX XXXX XXXX XXXX the debt collector and COMENITY BANK/BONTON the original creditor.
I ask that the follow debt reporting be removed immediately from my credit file for false statement/ representation ( trying to collect wrong amount, attempts to collect debt not owed ( debt was, discharged in bankruptcy ) on my XXXX XXXX credit report .
o Original creditor : COMENITY BANK/ BONTON Balance : {$1100.00} Sold to creditor : XXXX XXXX Balance : {$1600.00}.
Charged {$480.00} more than the previous balance from original creditor XXXX XXXX XXXX Invalid date of delinquency statements sent by XXXX XXXX only shown late payments/interests accruing not first delinquency.
XXXX COMENITY BANK/ BONTON account sold to XXXX XXXX account opened XX/XX/XXXX Bon-Ton Holdings Inc. During the first quarter of XXXX, The Bon-Ton announced it would be closing XXXX stores in XXXX states, in addition to XXXX stores previously announced. XXXX XXXX XXXX However, it was not enough to save the company from its large debt. XXXX XXXX XXXX On XX/XX/XXXX, Bon-Ton Stores revealed it had failed to pay {$14.00} XXXX in interest that had been due XX/XX/XXXX. The company entered into a grace period with its lenders. Analysis from XXXX XXXX XXXX XXXX downgraded the company into selective default, and predicted a bankruptcy or out-of-court restructuring at the conclusion of the grace period. XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, The Bon-Ton Stores Inc. filed for XXXX XXXXXXXX bankruptcy protection. The company had not made an annual profit since XXXXXXXX XXXX XXXX XXXX On XX/XX/XXXX, it was announced that XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX would bid to save Bon-Ton from bankruptcy. On XX/XX/XXXX, however, the plans fell through because the court ruled the company would not be able to pay a {$500000.00} " work fee ''. XXXX XXXX XXXX On XX/XX/XXXX, The Bon-Ton announced it would liquidate all XXXX stores after The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX for the retailer and after converting its XXXX XXXXXXXX bankruptcy to XXXX XXXX. They acquired the inventory and other assets of the company and sold it all off. XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX said all Pennsylvania locations were officially closed, and buildings would be vacated by the next day. XXXX XXXX XXXX XXXX. I shouldn't owe a debt to a company that has closed all physical locations, filed bankruptcy, and liquidated all assets.
02/18/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
MA
016XX
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.
11/02/2023
Yes
Credit card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
PA
XXXXX
Web
In XXXX of 2023 I called the credit card company to inquire about any fees I would incur should I use my credit card during my upcoming trip to the XXXX. I was informed by the agent on the phone that I would not be charged any extra fees if I used my credit card internationally. Because of this information, I decided to use this card for all expenses on my trip to the XXXX in XX/XX/2023. When I received my bill, I was charged foreign currency fees in the amount of {$76.00}. I called the company several times to discuss my concerns, let them know that I was told by the agent in XXXX I would not incur any charges, and I attempted to come to a resolution. I was told to send a message to the credit card company outlining my dispute. In this message ( and during several phone calls after ) I requested a review of the conversation that took place between me and the agent in XXXX.
I called today in an attempt to access these messages in order to support my complaint here, but was told by a representative in the dispute area that these messages couldn't be retrieved. The written correspondence between me and the credit card company has " disappeared ''.
I paid the entire balance ( {$2600.00} ) of my legitimate charges in full and on time in XXXX. I did not pay the foreign fees, since I was told directly by the credit card company prior to the purchases that I would not incur any additional fees and I filed a dispute.
Up until today, as far as I knew, based on the messages that I sent, a dispute was in process.
When I called today to retrieve the written correspondence the agent said there was no dispute and I need to pay the current amount, {$190.00}. This amount includes interest and several late fees on the wrongful charge of {$76.00} back in XXXX. I again requested to have my phone conversation reviewed, but he said it " most likely wouldn't matter '' if he did that.
In addition to the wrongful charges of {$76.00} in XXXX, I have now been charged an additional {$120.00} in interest and late fees on the wrongful charge. Also, my credit score dropped XXXX points as a result of the credit card company reporting on this issue.
Today I offered to pay the initial charge of {$76.00} if the credit card company was willing to remove the late fees and interest charges and withdraw their report that took my XXXX score down XXXX points. They were unwilling to come to this compromise, which I believe was generous considering the initial charge was one I was directly told by the agent who works for the credit card company that I would not incur.
I look forward to some resolution on this situation. The credit card company has been unreasonable and unprofessional.
03/28/2022
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
OR
97501
Web
I purchased a diamond engagement ring and wedding band at Zales and was told to open up a account for 18 months, no interest financing, sounded like a good promotion. I was not told about the terms of the financing, just that it is interest free for 18 months. I was making all my payments on time each month and every months as I do with all my bills and I have excellent credit, XXXX XXXX XXXX. I fully intended to pay off the balance before the end of the 18 months. On XX/XX/2022 I receive a bill in the mail with a balance of {$1300.00} and a interest charge of {$1400.00}, I call the bank that day and ask, why is there a {$1400.00} interest charge on my account?! Was told I past the promotional date of 18 months deferred interest, in which I did not know that my promotion was nearing the end, no mention of it on thr billing statement on the first page, they said it was on the third page?! I didnt look at the third page as my balance is on the first page. I told them I will and I did pay the balance of my statement for goods I had purchased in the amount of {$1300.00} off on XX/XX/2022. They said they will not reverse the fees nor or they obligated too. I said I am paying off the balance today as I did not know the promotion had ended and my interest charges were more than my remaining balance, that is not a cool or ethical business practice for consumers. I spoke with XXXX managers and they were not willing to help me. I am filing a report against this company for unethical business practices and I would like for them to do the right thing. I recently have had a baby, gone through XXXX and have a hardship with my self employment business, their advertising for the credit card no interest is very misleading and was not explained to me and they pushed me to sign up for their store credit. And then to get a {$1400.00} interest charge when I did not see clearly on the first page, was told that the promotion ending date was on the third page, not clearly explained, not clearly told about charges for deferred interest, this isnt a good business practice, and should be illegal if it isnt. If it is legal it is very misleading and puts a huge burden on many consumers if they are late a day on monthly payments or missed promotional ending date that is clearly not marked or easily visible to the consumer. I am a honest person, making a honest living, but not willing to reverse a interest charge in the amount of {$1400.00} when I have been a on time customer is wrong.
Comenity Capital Bank Do the right thing, and assist your customer in the well being of your business and to the consumer, do not put hardships on honest people.
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
08/23/2022
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
AL
36605
Web
For the past year, I've been targeted, harassed, retaliated & discriminated against by Comenity Bank! They have single handedly ruined my credit simply because they can! I have several cards w/them and as soon as I use a card, they decrease the limit making my utilization seem extremely high! I went from a score of XXXX to a score of XXXX to a score of now XXXX! I NEVER missed a payment this year to date! The reason behind this retaliation is lengthy, but I have all of the recorded calls to support my claims! They just informed me yesterday that XXXX voluntarily sends my credit report/score to them and they decrease my limit based on that information however, XXXX denies doing this bc they don't have the technology or manpower to do it. Every letter the bank sends me, states a variation of lies & misinformation!
I'v been in a deep XXXX bc of this. I haven't had credit in over XXXX yrs and I've decided to start reestablishing my credit so I can secure my future, but everytime they decrease the limit on any random card of their choosing, my scores drop by dozens of points affecting my ability to see any hope of my dreams coming true! The irony is... the amount of proof I have towards this is astounding.
Their egregious, malicious and retaliatory actions has affected me so badly, I've often considered taking my own life bc they're destroying all hopes of my buying a home! Scores fluctuate, but how can they decrease limits know that score rise again as well?! No on that I've spoken to experiences this with them!
At the age of XXXX, my dream was to build enough credit within 3 years to buy my 1st home, but they are intentionally & single handedly obstructing any & all progress I make toward accomplishing that! This ENTIRE ordeal has been so traumatic & trying ... I now have to take a mental health break from reaching out to them bc I'm currently seeking medical attention for the severe XXXX this has caused me!
I have even gone so far as to seek legal advice, but no one specializes in credit fraud, or malicious credit card practices! I have no idea what else to do outside of end my own suffering bc Comenity Bank has completely ruined my life!
I'm starting over at XXXX and this company is maliciously targeting any progress I make... I don't think I even have it in me to continue fighting a losing battle.
They've recently gone so far as to cancel a {$450.00} credit card that I NEVER even got to use!
It's as if someone is watching all of my accounts and everytime I use a card ... within 30 days they're revoking hundreds of dollars of unused credit! I wonder if the same person is behind all this retaliation bc if so, I need to know why and who's doing this!
03/28/2022
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
HI
96782
Web
RE : XXXX First, you state I continue to allege the charges and interest are fraudulent. Because they are, whether you like it or not. The interest incurred on the original fraudulent charge is fraudulent ; despite the fact that you keep asking the entity committing fraud if theyve done it. And, I could care less if the entity committing fraud says Im liable. Of course, thats what theyd say. Theyre trying to XXXX. Whats more, it evolved from a merchant dispute to fraud once the seller lied about the quality of their product and their location, and when Comenity decided to follow through with the charge, despite the fact that the sellers website had been taken down for fraud, and the seller could no longer be contacted. Furthermore, your lack of evidence and circular reasoning is growing quite tiresome. Once again, claiming res ipsa loquitur just makes you look foolish. Lastly, as previously stated, I could care less if the scam artists at Comenity contacted the original scam artist seller before the website was taken down, and the seller verified the purchase. Once again, of course thats what theyd say. Theyre trying to XXXX as well.
In conclusion : 1. The seller committed fraud by lying about the quality of their product and their location, and their XXXX information and countless reviews proves this.
2. Comenity committed their first act of fraud by charging interest on the original fraudulent charge, despite proving the original charge was fraudulent. Then Comenity committed a second count of fraud by selling the fraudulent account to XXXX. I did not authorize the seller to charge my credit card for the product received, nor did I authorize anything coming from the region the seller lied about being in.
With that said, my position has not change. The above-mentioned account needs to be terminated immediately, and my credit rectified. The shady XXXX collection agents need to stop harassing me as well. And, cool, you stopped reporting to the credit agencies ; as you should, it still doesnt fix the mess that has already been created by Comenity. This needs to be remedied IMMEDIATELY! Failure to do so will result in being contacted by the State Attorney, followed by legal counsel.
Finally, XXXX is not a reputable company. Ive read your reviews, XXXX complaints, etc. Youre scam artists as well, and this is just one big XXXX XXXX where you clowns rip people off while daring them to sue you. Whats more, stop the condescending XXXX. You clearly could care less about how the scam youre running has inconvenienced me. If you really cared, youd stop scamming people. Truth is, youre a bunch of XXXX.
Quash this account and restore my credit IMMEDIATELY!
02/20/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
RI
02908
Web
I had opened an account with XXXX XXXX to purchase a bicycle on a 0 % 12- month financing plan. That was fine until the card company owner - Comenity - ended the XXXX program ( or it was sold to Comenity ), while I still had a remaining balance ; effective XX/XX/XXXX. I have not used the card for ANY purchases since Comenity took over. My original 12-month 0 % XXXX plan lasts until this coming XXXX, XXXX.
To date, Comenity had honored the no-interest payment plan. They did, however, charge me a {$40.00} late fee at least once when I had paid the bill/got it in the mail in what should have been plenty of time. The runaround I got from them when I tried to complain ( to a call center staffed with scripted people for whom English is not the first language/it 's XXXX ) suggested I would have had to have paid the bill the moment it arrived, their lack of grace period/suggested mail-ahead time was so extreme.
Because of my disgust at this, I paid the entire balance off last month, a matter of about {$340.00}.
I just got my latest statement, which shows it was paid off, but carries a {XXXX} balance.
The date of payoff, in full/total balance, is listed as XXXX XX/XX/XXXX, on their printed statement ( see attached photos ).
The date they charged a {XXXX} fee, listed as a " Minimum Interest Charge '' was XXXX XX/XX/XXXX. Again, printed on the statement. I have never made a single purchase that was supposed to be subject to interest- all were made under the XXXX XXXX/prior to the change to Comenity.
I attempted contacting them again and got a ridiculous/gibberish runaround from the again non-native-speaker with a zombie script, making inane references to revolving credit statements back in XX/XX/XXXX ( when the plan was still 0 % XXXX .... ). I hung up in frustrated disgust.
I'm now paying them their {XXXX} and am going to attempt to close the account ( wish me luck ).
I just think Comenity Bank XXXX XXXX, Ohio/ XXXX XXXX XXXX XXXX Texas needs to be on your radar : this is the WORST 'gotcha ' behavior I have ever seen from a credit card - it's just a scam, basically, and I want out. I don't trust these people at all and have no interest in using their card or being their customer.
It's not worth my time ( billable hours of my own ) to knock my head against the brick wall of their horrible customer service over {XXXX}, but it would be good if your watchdogs had a look at these people. I think they're in the game of bilking consumers. I'm a guy with a XXXX XXXX/not at all illiterate financially or literally, nor naive, but I really worry what these folks could do with behavior like this to people running serious balances with less fiscal knowledge.
03/24/2023
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
30214
Web
I unthawed my credit as I prepared to request and increase of my XXXX & XXXX XXXX credit limit, on the morning of the XXXX of XXXX. Previously when I've requested a credit limit increase with a XXXX & XXXX XXXX card I received a confirmation or denial within 48 hours both to my personal email, any account, on the card issuer 's site, and a mailed copy of the decision. This is my first time trying to request a limit increase with Comenity 's Payboo card. After receiving no response I called their customer service line and was told credit limit decisions can be emailed or mailed but not both. That is the most asinine rule I ever heard instituted by a financial institution mandated to keep scores of records. The agent said she could additionally send an email copy of the decision and that it would show up online in the " message center '' of my Comenity account. I wake up the morning afterward and there's no such message. I continue checking for the next week and see nothing still. I checked my credit the following Wednesday and see that Comenity ran a credit inquiry on the XXXX. This would've been the day AFTER my credit thaw expired and multiple days after the agent I spoke with told me some type of mail correspondence was sent out which went out prior to the digital correspondence she said would've been sent. I have no messages or correspondence digital or mail but I'm told some type of correspondence was definitely made. It feels like they're playing games and being less than honest, I don't particularly appreciate that coming from anybody social security number in their records. Moreover it's arbitrary and nonsensical to pointnof malice to demand consumers accept purely digital correspondence or purely mail when every time I log into your company 's website and create a password I can immediately log out and type in that very username and password and the site won't remember it! This morning when I attempted to access the account message center, I reset my password because the website said it didn't recognize it even though I reset it days prior. When I went to check the message center not only was nothing there, the page glitched and then crashed. I tried to refresh. I visited other parts of the site and tried to click back on the message center and the page was still crashed every time. It's absolutely disgusting a credit card company that makes what Comenity does, is this negligent and indifferent with handling customer services and communicating with customers. Moreover somebody is lying to me because their bills seem to be getting through the mail perfectly fine. I don't like my credit score, financial information, nor my time being played with.
06/17/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MO
641XX
Web
Servicemember
On XX/XX/XXXX, I made a payment of {$3500.00} to pay off the balance on my XXXX credit card. On XX/XX/XXXX, I made another payment of {$52.00} because my account showed that as a remaining balance. In XXXX, I received a phone call from Comenity saying I owed {$49.00} in late payment fees. I was astonished thinking I had paid off this account ; after talking to several reps with the company they said that I had paid the large amount in XXXX after the due date, resulting in the late fees since XXXX. They also destroyed my credit by reporting to the Credit Bureaus late payments from XXXX till XXXX. ( As I'm writing this, I believe the {$52.00} payment on XX/XX/XXXX was the late fee I paid, which means none of these late fees should have been made against my account ). In XXXX, I disputed these charges, and the fee they charged to my bank account was returned to them unpaid. After receiving a response from their Credit Department that they had a right to charge me these late fees, I set up on XX/XX/XXXX a payment of {$49.00} to just end this whole nightmare.
Today I received an email from Comenity saying that I owed late fees ; I immediately called up Comenity who stated they never received my payment from XX/XX/XXXX. Of course I had the withdrawal showing on my bank account as well as the confirmation number from Comenity when I set up the payment.
Finally I talked to a third rep, XXXX, who said he was the Senior rep. As I tried to go over the transactions from my Comenity account with him, he said he did not have the same view as I did making it impossible to go over each payment. He then began shouting at me, at which time I told him to lower his voice. He said that after I paid the {$49.00} amount on XX/XX/XXXX, I was charged a late fee of {$25.00}. I said I just wanted to pay this amount and that I would be making a formal complaint against Comenity. I asked XXXX for reassurance that no other charges would be accrued against me ; he replied that Comenity has a {$2.00} fee on any account with an open balance, so he could not promise me no other charges would pop up. At this point I told XXXX well how can anyone pay off their Comenity account if you just keep adding fees. He advised he would make it so these {$2.00} fees would not be applied in the future against me.
The unfairness of all this made me, a XXXX XXXX Veteran and retired XX/XX/XXXX, cry. I believe I was wrongfully assessed a late fee from XXXX, which I paid, which then led to the destruction of my credit and continuing fees wrongfully accrued. Thank you so much in advance for any help you can give and hopefully other people will not have to go through this horrible process with Comenity.
03/14/2017
Yes
Credit card
Late fee
NJ
076XX
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.
10/15/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
VA
23462
Web
In the spring of XXXX, I paid off my Lane Bryant credit card balance over the phone with Comenity Collections. Somehow, after payoff I was charged late fees and finance charges. Since I had paid off the card and was asked the payoff amount, I did not realize this occurred so on XX/XX/XXXX I had a balance due again that was in collections with Comenity. Over the phone, I specifically asked for the payoff amount to avoid having this happen again. I accepted responsibility and paid the account balance I was told and informed the representative of my concern that " additional '' costs would be applied like last time and I wanted to avoid that. I was told to call Lane Bryant in about XXXX weeks to check the status to make sure everything was clear. I received an email notice that I had a bill but for some reason could not open my account by my phone as usual ( screen disappears as soon as I select card instead of shop ).
Therefore, I called Lane Bryant Customer Service at XXXXXXXX XXXX on XX/XX/XXXX and was told that there was no balance on my card. I thought I had taken care of everything. On XX/XX/XXXX at XXXXXXXX XXXX, I received a text message from Comenity Bank indicating I need to make a payment to XXXX. I called Lane Bryant but the call went to the Collections. I was told I had a finance charge and XXXX late payments to pay. I told them I was not paying finance charges and late payments on a bill I paid off a second time, especially after taking the necessary steps to make sure I was paying the account in full, and calling as I was instructed to do. After a XXXX phone call of us going back and forth ( them refusing to clear my charges, me telling them I wanted the information to file a dispute ), I was never given the information to file a dispute and then all of a sudden the representative came back on the line and kept saying, " hello are you there? XXXX XXXX are you there? '' I kept responding but she kept repeating that for about 1-2 minutes ( although we had no previous call issues for XXXX minutes ) and then reported, " XXXX since you are not answering, I'm hanging up the phone. Please call Lane Bryant back if you have more questions. '' I tried to sign into my card account today from my laptop to find the details of payments to write my dispute and it appears as if I no longer have an account and I can not tell if I still owe the money. I'm concerned this is still being reported to the credit bureau and I have been unfairly reported for 2 months for a balance that I should have never been charged.
I have copies of my phone records to show the calls were made to Lane Bryant. I also have the Comenity charges in my XXXX XXXX account.
10/05/2023
Yes
Debt collection
Other debt
False statements or representation
Indicated you were committing crime by not paying debt
CA
952XX
Web
I XXXX XXXX and my partner XXXX XXXX attended a time share in order to retrieve free gifts promised to us. We were told we would receive 3 days and2 night free stay if used within a year at the Wyndham resorts in XXXX XXXX XXXX. It was my spouse and I anniversary. We declined to purchase any time shares due to refinancing our home and necessary upgrade to our home. We expressed not interested in what they were offering. Declined all offers presented to us. They already had our photo IDs per the sign in process. They did ask for us to fill out a brief questionnaire about our finances and occupation. It did ask for ssn. We provided our information on the sheet but never authorized to be signed up for anything. After declining we were told to go to the website or call to book the room to redeem voucher we received. This company took my information and created what XXXX XXXX stated to me there was a credit account opened asked did I want a card to be mailed. I wasnt sure what she was talking about. I asked her was this a credit card, loan, credit line. She was not able to see what type of account it was so then I started asking more questions in regards to when it was open and where did they mail correspondence to and realize that the actually mailed correspondence regarding the collection to a wrong address. The address on my photo ID is not my current address. They use that address to send some thing there had I not went to my mothers old home for rental property. I would have never known this account was open it says vacation club credit account she mentioned that it may be a point system, so I tried reaching out to Windham. I was unable to receive any information in regards to this account. It does not specify that we purchased anything at all. I would attach the bill the collection bill that was mailed to the wrong address. I am not at all responsible for days. This is zero liability on my end, because I did not open this account and I would like for this to be removed off my credit.
I looked up and research on XXXX about timeshares and what they do to people like myself that is unaware about everything and they swindle you and persuade you and make you feel like oh youre gon na get something free, but end up tricking you into something completely different after declining multiple times They should have known I was not interested so now I am very upset and irate. I filed a dispute with XXXX XXXX and they did research, but it came back that I need additional information which I do not have because again we did not sign up for anything. We only retrieve our free gifts for restaurants and the voucher for the free three day two night stay.
05/12/2023
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
32233
Web
Forever 21 XXXX Credit Card from Comenity Bank - I stored this card on file for a monthly bill of {$150.00} during XXXX of XXXX. I soon removed the card from my account and used a completely different card for the monthly bill as of XX/XX/XXXX. I noticed in XX/XX/XXXX that I continued to have the {$150.00} charge on my Forever 21 credit card account even though I REMOVED the card in XXXX, and was already paying for that monthly bill with another card. So I was double charged for XXXX, XXXX and XXXX. Of course the first thing I do is contact my monthly billing correspondant thinking they were the ones charging me. However they did not see the Forever 21 card on my account, just the correct card. That's when I knew it was an error on Forever 21 's end. I called Forever 21 and opened a dispute for the 3 charges of {$150.00} in XX/XX/XXXX. I was notified that I needed to send in proof that I was not responsible for these charges. I sent them receipts showing I paid for XXXX, XXXX and XXXX bills with another card.
During this investigation, Forever 21 STILL continued to charge me {$150.00} for XXXX and XXXX. I called several times, and was told that since this dispute is all under the same bill and monthly charge, these two other charges will be included in the dispute.
They finally credited my account in XX/XX/XXXX ( 4 whole months ) of the {$150.00} charges, but they only gave me FOUR credits, not five. Again, I was being wrongfully charged {$150.00} from XXXX to XXXX ( until I had to cancel my Visa card and get a new one just so they would STOP ).
Since XXXX, I have called DOZENS of time telling me they still owe me {$150.00}. They told me I had to open another dispute even though this was and is all part of the same dispute since XXXX. Every time I call, the agents tell me they need to open up another dispute and that I have to WAIT ANOTHER 90 DAYS. Worst of all - Forever 21 Visa customer care agents do not give reference numbers for calls so every time I call I have to explain the whole situation over again, and I always get one of two answers whether they need to open another dispute or that the dispute is in process.
They are not taking care of this dispute. They did not give me back my money. They still owe me {$150.00} and I have been waiting MONTHS. As a single mom, this has been an absolute night mare. Waiting a
whole 7 months ( who know how much longer ) to get my money back that they took from me is absoutely unacceptable.
The following attachments show the 5 charges coming from Forever 21 ( XXXX, XXXX, XXXX, XXXX ( XXXX ) and XXXX ( XX/XX/XXXX ) AND the charges from the correct card I changed my account to ending in XXXX.
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
XXXXX
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
358XX
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
05/04/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
DC
20020
Web
After a long ordeal of refiancing my home, my husband and I was able to pay off all of our consumer debit, including Comenity/ XXXX XXXX XXXX XXXX Mastercard Credit Card XXXX or so I thought. The statement due XX/XX/2022 said that the balance, in full, was {$11000.00}. We were not due to close on our re-fi until XX/XX/2022, so I made a payment {$370.00} on XX/XX/2022, so that I could reduce my balance, avoid late fees, and keep my credit score good, so as not to affect our closing. The next statement, due XX/XX/2022, stated that the balance was {$11000.00}. Due to our lender obtaining amounts prior to me making a payment, they used the XXXX balance to write the pay-off check, in the amount of {$11000.00}. This was {$120.00}, over what the XXXX statement said was due.
After closing, the pay-off check was received by us on XX/XX/2022 and immediately mailed to Comenity. Comenity received the check and posted it on XX/XX/2022. This was 9 days BEFORE the due date, so the payment was not late. It was my expectation, based on their own writing, in the bottom section of my statement, under the heading " Paying Interest. ", which 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 BALANCE BY THE DUE DATE EACH MONTH ... '' that my balance would be paid in full and that I would have a {$120.00} credit on my account. As such I made two small purchases in the amounts of {$15.00} and {$20.00}, which still should have left a credit of {$92.00}. However, the next statement due XX/XX/2022, didn't show a credit, but said that I owed {$120.00}. They claimed it was " residual interest ''. When I challenged them, based on their own writing, they couldn't refute that the statement clearly says that they wouldn't charge interest. Instead they tried to gaslight me by saying that I should have paid it by the due date. When I pointed out that it was not only paid by the due date, but paid almost 10 days in advance, with an overpayment of the actual balance, they refused to refund my account. I sent messages through the online messaging and spoke with three different people, all the way up to the accounting department. They just kept rehearsing the same script about " residual intererst '' and refused to make the correction. I, even, requested a detailed accounting of the formula they use to compute interest and was told that it would be mailed to me, but of course, it never was.
Furthermore, after reviewing my account and awards, I realize that their math has been fuzing in how they calculate my cashback awards, and that my awards balance should have been higher.
09/07/2022
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt is not yours
AL
362XX
Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, 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 XXXX XXXX XXXX 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 Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, 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 identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CB/VICSCRT failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
CB/VICSCRT Account Number : XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
CB/VICSCRT Account Number : XXXX As a consumer by law this account must be deleted immediately.
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.
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
07/15/2022
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
NC
27529
Web
I made a purchase on Comenity Bank XXXX XXXX card at XXXX XXXX on XX/XX/2022. I never received the bill for this transaction. I was unsure of when billing cycles end and if the charges would go through when the item was purchased or shipped since I rarely use this card. The end of may I received a bill stating that my account was past due and I called in on XX/XX/XXXX. I let the representative know I never received the bill. She waived the late charge that was assessed and asked would I like to make the payment with the information saved to my account to which I agreed. Towards the end of XXXX I receive another bill with another late charge stating my payment was not made. There was sufficient funds in the account to more than cover the bill and it was not a returned payment. The associate simply didnt process the payment like she said she would. I called in again and gave them all the information about my experience. I am told the late fee can not be waived. I am then transferred to a supervisor that eventually waived the late fee but an told there is nothing that can be done about the interest charge that accrued. I am then transferred again to someone who will close the account because at this point I want to cut ties with this company. This individual tells me I have to make the payment before closing the card to which I do and request a confirmation number. I am told that the balance is now {$0.00}. I tell the individual to just leave the card open because I want to see the impact of closing it on my credit before I proceed. A few days later I receive an email from XXXX that a late payment has posted to my credit and I took a significant decrease in my credit score ( over 100 points ) when I look into it they not only reported the late payment but also a balance on the card and simultaneously reduced my credit limit from {$16000.00} to {$750.00} all after the entire account should have been reconciled. Inconsistent information was reported to XXXX and XXXX. Only the late payment was reported to XXXX. I call in again to inquire why this information was reported as negative on my credit report and learn that my account once again has a balance because a late fee that was removed was added back onto the account. When I speak to this representative she states there is no record of the initial payment I made with the representative and they have no way of knowing who I spoke with. Obviously, their documentation requirements are not up to par. The representative took all the information and said that her supervisor would review and I should call back in a few days. I would not recommend having this card. This has been a nightmare.
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
705XX
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.
09/11/2023
Yes
Credit card
General-purpose credit card or charge card
Closing your account
Company closed your account
AZ
85204
Web
On XX/XX/XXXX, I logged into my XXXX Credit Card account issued through Commenity Bank to pay my bill. I noticed my available credit was at XXXX. I then had to go back through my monthly statements to find my account was closed on XX/XX/XXXX of this year. I sent a message to customer support to see if this was actually the case, and if it was not, to have a new card issued as mine was expired. I was given the run around for a few days before being told to contact a supervisor. I contacted a supervisor on XX/XX/XXXX who told me that there were no notes on my account about account closure and as far as they could tell, the account should not be closed. I was then told that this would be escalated and I should receive a call back within 7-10 business days ; this did not happen. Today, on XX/XX/XXXX, I called customer support again, on the 11th business day, to inform them that I had not received a call back, and to address the issue of a lack of Adverse Action Notice being send, as is required by the Fair Credit Reporting Act, and they informed me that their notes said someone did call on XX/XX/XXXX, however, there was no recording made, meaning nothing was recorded as a phone call, or voice mail, and I have no record of this call in my call logs, seeming to imply a note was made without actually attempting to contact me. Nobody can prove this call was made beyond the note. This supervisor also reiterated what the first had said : there we no notes on the account about account closure, and she can't see a reason as to why it was, and doesn't see any notes about Adverse Action Notices being send, or any documentation on the account for that matter. This supervisor contacted her boss, who without speaking to me, just relaying it through the supervisor I was talking with, that it was up to the banks digression as to when to close an account. While this is correct, this is not the issue I was calling about, and I reiterated that I had not received an Adverse Action Notice notifying me of account closure within 30 days as required by the Fair Credit Reporting Act. This supervisors boss once again ignored the statement to reiterate that account closure was at the digression of the bank, and ceased contact with me. The supervisor I was still in contact with apologized, at which point I told her that an apology was not good enough, they are in violation of the Fair Credit Reporting Act, their action has negatively impacted my Credit Score, and there were damages, some form of remediation needed to be made. I was told that they could request a call back, but my account could not be reopened, and no form of remediation was made availble.
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
125XX
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
333XX
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
XXXXX
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.
03/01/2023
Yes
Debt collection
Other debt
Took or threatened to take negative or legal action
Threatened to arrest you or take you to jail if you do not pay
FL
33467
Web
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in XXXX. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 XXXX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; COMENITYCBXXXX XXXXXXXX
08/14/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
CA
92069
Web
I entered into a XXXX related 12 month hardship program that included all of my credit cards with Comenity Bank ( all cc had to be incl and put on hold and could not be used ; this was a requirement by bank to enter their 12 month hardship program in XX/XX/XXXX ). All but one ( XXXX ) of my credit card accounts was removed from the program in error in XXXX, despite the bank requiring all credit card accounts be included. At no point did I ever ask to remove any credit card accounts or to be removed from the initial 12 month program. The bank continued to keep my XXXXXXXX XXXX open and it continued on the program with automatic payments thru XX/XX/XXXX, which is when the program was scheduled to end. I made numerous calls to the bank regarding the other accounts that were removed in error and disputed the XXXX accounts that were closed with all three credit bureaus, but no resolution has been made to date. Regarding the cc that continued to be open until recently, the bank approved me to be on a new financial hardship program that I enrolled into in XX/XX/XXXX ( also for 12 months ). Again, this new program required automatic payments of {$40.00} per month that they scheduled that have been coming out of my bank acct consistently since entering the program. However, since entering the program in XX/XX/XXXX, I have been billed for the normal ( non-hardship ) amount incl interest and late fees every month and have made numerous attempts to resolve their billing errors and have not succeeded. I just recently learned that my acct is now closed ( after disputing my acct status, payment history, and fees billed in error numerous times with the bank and via each credit bureau )! I spoke to XXXX different representatives on XX/XX/XXXX, who all agreed and can see my cc was on a hardship plan, and they further agreed my account was closed in error ( just like my other XXXX accounts ). The XXXX agents I spoke to ( after being transferred several times ) could not help me because my acct has been closed, I was told the system status code does not allow them to fix my account. Despite making the agreed payments on time every month via autopay per the program terms, the bank has closed my account, they continue to report negative information that is WRONG to every credit bureau, and the necessary corrections have yet to be made, regardless of consistency withdrawing my timely monthly payments throughout the duration of another hardship program. My credit card balance, interest, and late fees are all wrong and my credit has taken a dramatic hit from the ongoing errors reported by Comenity Bank on all of my accounts with them!!!
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
XXXXX
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.
11/04/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
ID
83301
Web
In XXXX of XXXX, I started working with a Credit repair company by the name of XXXX to help me remove some late payments off of some accounts on my credit report. On XX/XX/XXXX I found out when I got a call from our local bank that they had received 35 pages in a XXXX envelope with my name and address as the sender when the credit repair is who sent it not me. My grandfather passed away on the XXXX of XXXX which I was in XXXX with him until he passed and got this call as I was heading back to XXXX where I live so during this time I didn't think of all the companies I needed to call or who had gotten a letter as well the credit repair company told me that they would not have done this and blamed it on XXXX and we all know XXXX doesn't do that! Since all of this I had to pay {$200.00} to get out of my contract with the credit repair company this has all been a nightmare for me especially after losing my grandfather in the middle of all this. All other companies that got a dispute have been so easy to work with and saw that the dispute was not accurate and mailed me a new card for my protection. But then there is Comenity Bank where I have a XXXX & Victoria Secrets card for many years with gets the dispute Closes my account on XX/XX/XXXX with out my knowledge no letter, email or phone call at all and apparently you have 7 days to reopen the account which I found out on XX/XX/XXXX that my accounts had been closed I spoke to every person at Comenity to help me with this matter and I just kept getting told they can not reopen my account and to reapply well with what I have going on who is going to approve me NOT MY PROBLEM they should have contacted me all of the other banks did so when I never received anything in the mail or heard from Comenity I thought they either by a miracle didn't receive a dispute letter or did and saw that it wasn't relevant! They should have contacted me my accounts were in good standing who closes good standing accounts with out notifying the account holder if I would have never tried to use my XXXX account I wouldn't have known today that my accounts were closed they need to reopen my accounts this was not my fault and bad business on their end to not notify me through mail, email or by phone there is not excuse for this and now with the closed account status on my credit score will drop! I have no documents to send because comenity sent me nothing and the companies that received letters told me by law they couldn't send me what they received! please help me fix this matter I could only add one card number so I'm sending in another complaint so I can add the other credit card number!
03/18/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MD
XXXXX
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
02/10/2023
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
MO
641XX
Web
XX/XX/XXXX opened XXXX XXXX store credit card when I purchased a set of tires the total was {$1000.00} there was a promotional offer of no interest if paid withing 12 months. When I received the 2nd statement in XXXX, interest had been charged. I made first contact with Comenity customer service. I was told that an error could have been made and the person that opened my account did not select the " promotional '' option on my card. I was told they would investigate, and considering they found the promotion active at the time and terms were met the changes would be made to my account within 30 days. I made 2nd contact with Comenity in XXXX, after that initial 30 days. I was told that it could, in fact, take up to 60 days. They saw the previous notes on my account and it was " in process to be reviewed. '' Due to XXXX, my 3rd contact to Comenity was in early XX/XX/XXXX as the issue had still not been resolved, my account is still accruing interest. I called Comenity customer service and asked to be escalated to a supervisor. I was told by this supervisor that it could take up to 180 days and they had nothing but attitude to offer. At this point I made contact with the original point of sale, I went back to the store I made the purchase and opened the card. They told me that this has happened before and that they would refund the amount of the charge, switch the account to promotional, reapply the charge and it should be good as they have had to do it several times before. The refund and reapplication of the charge did happen, but the interest was still on the account and had accrued more, this time the terminology used on my statement changed it went from " interest for this period '' to " XXXX XXXX XXXX int XXXX XXXX '' as if my account had surpassed the promotional period and was accruing deferred interest. The amount of interest seems to have decreased but it should be XXXX and all the previous interest is still on the account. The terminology has changed again, now saying " Interest charge on purchase. '' I went back to the XXXX XXXX XXXX XXXXXX/XX/XXXX to once again attempt to have the issue resolved. The associate at the store once again helped make contact to customer support, they see all the previous notes, agree on the fact that there is an error on the account and it is accruing interest in error. The Comenity customer service agent calculated the interest, which is currently {$99.00} made note of that and said they would submit a ticket and I should look to hear from someone within 5-10 business days, that was nearly 3 weeks ago. I have not heard anything and the account is still not resolved.
11/28/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
19050
Web
Older American
I am writing to ask you for help in admonishing XXXX for their wretched, selfish behavior.
They were my mother 's all time favorite store. Prior to her death, mom had ordered {$44.00} worth of clothing, which happened to arrive while she was in the emergency room. She knew then, I guess, after 7 years of XXXX, that she wasn't going to come home, even though we did not understand that. She asked us to return the items, which we did the day after they arrived.
She died XXXX weeks after being admitted to the emergency room, on XXXX XXXX. She was in tremendous pain during that time.
XXXX charged us {$19.00} for the return -- but not until after her death, so a couple weeks after the return. Fine.
We received the bill on XXXX, which was the day it was due.
On XX/XX/XXXX. I called and asked for a grace period of another week as we were in deep mourning. " XXXX '' said no problem. I still mailed the {$19.00} that day.
On XX/XX/XXXX, I called because I'd gotten yet another bill, and " XXXX '' asked me to mail the death certificate, which takes XXXX weeks to receive in MD. They said when they received it they would remove all of the fees and not to pay any fees or bills.
I did so on XX/XX/XXXX. I sent everything they asked for.
The bill became {$29.00}.
Then the bill became {$60.00}.
I also called repeatedly. But now, everytime I call I have to enter in her card number, then her social security digits -- and only then did I get a message that their office is temporarily closed. I have called more than 12 times and this is what happens, so I'm guessing they don't want to talk about this account.
On XX/XX/XXXX I finally mailed the next bill for {$60.00} just to stop the craziness.
They held this check for nearly 3 weeks before depositing it, which meant it was deposited late. Everyone else I paid on that date deposited the checks within a few days.
Today, XX/XX/XXXX, I have yet another bill for {$60.00}. Sent less than a week before the due date which is XXXX ... which means if I pay it, it will be late -- and they will send yet another bill -- a week before it is due.
Is this ever going to end?
No one else is this rude. Everyone else answers their phones.
Everyone else heard that my dearest, most wonderful mother had died and carefully helped us to close out her bills. I'm not asking for anything here other than how to close her account and stop receiving these late bills from them.
The {$19.00} should have been the final bill.
Please advise. I really do not know how to resolve this short of blasting them on social media.
Details : XXXX XXXX XXXX is the name of my dear mother
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.
02/09/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
VA
20136
Web
This issue is with Comenity Bank - XXXX XXXX XXXX Credit Card I have attempted to fix this issue, three times.
In early XX/XX/XXXX, I checked my XXXXXXXX XXXX XXXXXXXX credit card account as I have three purchases on the same card.
Purchase 1 - 12 Month Deferred Interest ( Expired XX/XX/XXXX ) Purchase 2- 18 Month Deferred Interest ( Expires XX/XX/XXXX ) Purchase 3 - Low APR 48 Months I checked the account balances to ensure that my deferred interest payments had been paid off and recalculate the amount owed on my automatic deduction.
I located what I believe to be an error with my statements and payments, specifically how they are being applied.
On my XX/XX/XXXX statement, I had a balance of {$220.00} that expired on XX/XX/XXXX. I immediately made a payment of {$220.00}, that was posted to my account on XX/XX/XXXX. I had assumed, that my payment of {$220.00} would go to pay of the balance of the 12 month deferred interest charge, but I saw on my XXXX statement that it did not. Additionally, because the payment did not go to that charge, I was charged {$180.00} in deferred interest on the account.
I contacted Comenity Bank in XXXX to address this issue, and ensure that my payments were being applied towards the deferred interest charges first and then the low APR. They ensured me on that call that my payments would be adjusted correctly and that they would be refunding me the deferred interest. I was told that it would update on my next billing cycle.
On XX/XX/XXXX, I checked my statements again and discovered that it was not corrected. Additionally, I discovered that I still had not paid off the remaining {$.00} on the 12 month deferred. To me, this has to be impossible since I pay significantly more than the minimum payment on the overall balance.
I believe that Comenity Bank has chosen to allocate my money differently than I have asked in order to charge my accrued interest fees. On XX/XX/XXXX, I again contacted Comenity and was told that my money was now going to be allocated the correct way. I was also told that money goes to my highest interest, which is technically the Low APR charge. I explained that while technically that is correct, it is wrong. Because now that I am outside of my deferred interest on the 12 month, I am actually paying 29.99 % on that charge, and soon to be paying 29.99 % on the 18 month deferred.
These concerns were looked into and then I was told that nothing additional could be done. I have expressed numerous times how I want my money to be allocated. Additionally, you have to call into Comenity because the options for allocation are not available online.
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
02/23/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Credit monitoring or identity theft protection services
Billing dispute for services
OH
XXXXX
Web
Older American
When my husband and I returned from visiting grandchildren last XXXX, we received 3 surprising pieces of mail. The first was a statement from XXXXComenity Bank dated XX/XX/XXXX, indicating a balance of {$620.00} for a credit card account for which I had never applied. The second mailing was the plastic credit card for this account, which I have never signed. The third mailing was from XXXX XXXX attempting to verify if I had actually applied for a new XXXX XXXX XXXX account that included my name and Social Security number.
We easily resolved the situation with XXXX XXXX, and even sat down with a local bank manager who explained how my personal information may have been compromised and suggested how we can protect ourselves from possible identity theft in the future.
By contrast, our dispute with Comenity Bank continues as we attempt to restore my " very good '' credit rating and remove delinquent charges from a credit card account for which I never applied.
On XX/XX/XXXX, I called XXXX/Comenity to contest this application and was told the issue would be resolved in 90 days -- not so! Next, I immediately contacted XXXX, XXXX, and XXXX to establish security credit freezes.
Fast forward to XX/XX/XXXX AND XXXX, XXXX, when I received 2 separate letters from Comenity Bank, with which we've never had any dealings, to have my credit freeze lifted so they could process my application for an " XXXX XXXX XXXX '' account, again, something for which I had not applied. Calling our local XXXX XXXX XXXX XXXX, I was advised to check our credit report to see who had been inquiring about our credit rating, and to update XXXX that another fraud attempt had been made.
Then, on XX/XX/XXXX, XXXX advised us that my credit rating had dropped significantly and suggested we file a dispute with Comenity Bank, which we did on XX/XX/XXXX.
Once again on XX/XX/XXXX, I got another fraud alert that Comenity Bank had " flagged '' my (? ) account " Charged off as bad debt '' -- supposedly explaining my lowered credit rating, according to the XXXX representative we spoke with on XX/XX/XXXX. Now I was advised to file a " police report '' of Identity Theft with the FTC.
Obviously, not all financial institutions are as diligent as XXXX XXXX in verifying who is actually applying for credit cards/accounts. Comenity Bank has been nothing short of irresponsible in dealing with us, not even bothering to continue sending past-due statements since XXXX, XXXX, to alert us that the " bogus '' account was still active. As a result, my credit rating has suffered a drop of about 200 points, from a rating of " very good '' to " fair. ''
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.
03/28/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NC
28205
Web
In XXXX, my ex-husband and I applied for a XXXX XXXX credit card account, which had a {XXXX} credit limit. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX granted our divorce. However, we did not include the XXXX XXXX account in our divorce due to an oversight, therefore, the account was never closed at the time of divorce. In XX/XX/XXXX, I tried logging in to make a payment on the XXXX XXXX account as I normally would do. On this particular date, I was unable to log into my account. The error stated that the account was locked due to the account being closed. I immediately called XXXX XXXX ( Comenity Bank ) to inquire about why the account was closed. They informed me that the account had been included in my ex-husband 's XXXX XXXX bankruptcy case, therefore, the account was written off and closed. I asked if there was a way that I'd be able to keep the account open and continue making the payments, so it wouldn't affect my credit and was told that there was nothing I could do to reopen the account but that I could call back to make sure it wasn't reported negatively on my credit report. In XX/XX/XXXX, I called XXXX XXXX after noticing that my credit score had been impacted due to them reporting that the account was closed because of a bankruptcy filing. They agreed to change the reporting to simply show the account as closed. Which was reflected as such until recently. On or about XX/XX/XXXX, I noticed that my XXXXredit score dropped again due to a remark being added to the Comenity Bank/XXXX XXXX account again. Shortly thereafter, I received a letter from Key Jewelers dated XX/XX/XXXX stating that they had received my letter dated XX/XX/XXXX, and that they had updated the reporting to the credit agencies. However, I never sent them a letter requesting such change, and they had already agreed to have it reported simply as closed due to my ex-husband having filed the bankruptcy not myself. Currently, the status of the account states that the " credit grantor can not locate consumer '' as of XX/XX/XXXX. However, I called them on XX/XX/XXXX and the representative, XXXX, stated that this was likely an incorrect reporting and that I should report it to the credit agencies as well as write them a letter. This account continues to impact credit decisions, when it shouldn't. I was not involved in including this in my ex-husband 's bankruptcy and have explained to XXXX XXXX and Comenity Bank that I'm more than happy to continue making payments on this in order to not have it continue affecting my credit but they've agreed to make the change so it doesn't negatively impact my credit.
05/16/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
MD
208XX
Web
Older American
This complaint arises from Comenity Bank 's failure to honor the " pre-qualification '' offer dated XX/XX/2022, failure to timely approve my application to use my " new account right away, '' and discrimination in processing and denying my application for the XXXX Credit Card.
XXXX XXXX XXXX XXXX teamed up with Comenity Bank to create a " XXXX Credit Card, '' which provides " instant savings '' in the amount of the sales tax paid on qualified purchases. On XX/XX/2022, I received an email that indicated I was " pre-approved for a NEW XXXX Credit Card, '' which included a promise that I could use my " new account right away! '' The XXXX credit card pre-approval offer expired XX/XX/2022.
Comenity Bank refused to honor this pre-approved offer and required me to submit an online application, which I completed on or about XX/XX/2022. I placed an order with XXXX XXXX XXXX XXXX on XX/XX/2022, and XXXX XXXX XXXX XXXX promised to honor the instant savings if I was approved within 30 days of the purchase. The tax on my order, which represents the promised savings, was {$160.00}.
Sometime after this application was submitted, I received a letter from Comenity Bank, addressed to me, using my home address, instructing me to call the Comenity Bank fraud line, which I did. I answered all of the questions during the call.
On XX/XX/2022, I received a letter from Comenity Bank stating " ... we are unable to approve your application for a ( n ) XXXX XXXX XXXX XXXX Credit Card for the following reason ( s ) : We are unable to verify your identity. '' The letter was signed with a generic " Account Protection team. '' The alleged failure to verify my identity was disingenuous as a a basis for denying my application and was clearly age discrimination. Important facts that I provided to Comenity Bank, in an effort to resolve this matter, include : 1. I have been a long-time customer of XXXX XXXX XXXX XXXX ; 2. I held a XXXX credit card issued by the previous bank XXXX XXXX XXXX used ; 3. I have lived in the same house for 30 years ; 4. I have worked at the same employer for over 30 years ; 5. I used an long-established phone number and email address ; 6. I have excellent credit that is well established and stable ; and 7. I responded to a Comenity Bank letter that was directed to me at my residence.
The only viable explanation was Comenity Bank 's discriminatory practices or ratifying the discrimination of its employees and agents.
As a result of Comenity Bank 's illegal actions, I lost {$160.00} in " instant savings '' and a great deal of time in attempting to resolve this clear violation of the law.
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
09/13/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
SC
29445
Web
I got a credit card in the mail from sportsman 's Warehouse or sportsman 's credit which on the credit report says comenity capital the second I opened it up and saw what it was I did not call anybody I immediately went in my house got some scissors and cut it up into little pieces I remember perfectly and I've had a lot of losses lately and I've needed house loan vehicle loans personal loans credit card something to help me and my family out and I've got denied over a hundred times from a hundred different places and never knew really why until recently I looked at my credit report because it's not on XXXX it was on XXXX that day illegally against my will activated it without me agreeing to whatsoever and since I had a account that I never used with them they continued putting that I have paid on time etc every month except the last 6 months they put XXXX and I have never paid them XXXXXXXX XXXX because I've never used XXXXXXXX XXXX because I cut the card up in pieces which I have photos of the credit report where it says that they have been putting on there that I paid a bunch of times that standings are good but didn't pay for the past 6 months etc so that illegally put it on my credit and now for the past year I've been denied Time after Time which since I couldn't get the money I needed or the extra finances have lost my truck putting my entire family with no vehicle and now I'm riding a bicycle to pick groceries up because I can't get a loan or credit card to purchase a vehicle which took my {$20.00} an hour job because I Didn't have a vehicle to get to work which took my apartment from me putting me at XXXX XXXX XXXX living with my mom who was recently widowed my XXXX daughters and my girlfriend / babies mama and now I'm stuck here with no income for my kids I'm losing my family all because of a company filing a report after I cut up the card and did not accept their credit I did all the right things I needed at the time a credit card to buy food etc not sportsman 's memorabilia and or items and now I'm to suffer a massive blow ending a family destroying lives over nothing I did my own and even when this finally get settled and it gets put off my report I still won't have a truck or a vehicle I still won't have my family intact I still won't have my apartment did is going to go on my credit report for losing when it wasn't my fault I still won't have my good-paying job that I loved I want to press charges and open a lawsuit get reimbursed for the loss I've endured from this company for destroying a life and the lives around me for clicking activate when I never activated.
01/03/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with customer service
PA
15227
Web
Older American
The full problems is below. I tried to comment on my original complaint XXXX, but was unable to.
I spoke to XXXX at Commenity on XX/XX/XXXX and he assured me that within 2 weeks my balance of {$500.00} from another account would be transferred to my current account. As of today, XX/XX/XXXX it has not. This has gotten out of hand. It is my money and they will not transfer it to my open account. They told you they were working on the issue. How long does it take to move my money? My next step is to take legal action.
Please try and resolve this.
Thank you, XXXX XXXX -- -- - Original Complaint.
I had a credit card with XXXX XXXX XXXXXXXX. I made a payment of {$500.00} on XX/XX/XXXX. What I did not know until after I made the payment to XXXX XXXX XXXXXXXX was they were selling or transferring my account to Comenity Bank. I received a statement from Comenity saying my XXXX payment was late and they charged me a {$28.00} late fee. I contacted Comenity and they told me it was because I did not make my payment in XXXX. I contact my bank and they said the money was removed from my account by XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXXXXXX and they told there was nothing they could do because the account was closed. My bank, XXXX, tried to contact Comenity but they would not talk to XXXX as a third party. I contacted Comenity by phone as was told that they had the closed XXXX XXXX XXXXXXXX account with a {$500.00} credit balance and they would issue me a refund check of {$500.00}. That was on XX/XX/XXXX. I have not received that refund, so I contacted Comenity again and they told me, " Also be informed that your card ending with XXXX has credit balance of {$500.00}. We are unable to issue the refund due to account is closed as duplicate account. Upon checking in to your account I can see that as your correspondence accounts ending with XXXX, XXXX and XXXX is already closed as duplicate account. However, your account I see that your card ending with XXXX with XXXX XXXX XXXX is active and current. The available credit on your account is {$24000.00}. Therefore, your account can be used for further purchase. '' I do not understand why they can't issue me a refund for the {$500.00}. I want to close this account, but I am not closing it until I received my {$500.00}. I know my account is good and open, but where is my {$500.00}. I have written them 3 times and can not get an answer as to why they can't issue me a refund. I would like any help you can give me. I have reached the end of my rope. When you call them you get a different person who has limited XXXX and i can't understand them.
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
XXXXX
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
027XX
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.
05/22/2023
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
GA
30701
Web
I set up a payment program for 60 months with them at {$19.00} some change a month in the system. They made a mistake and everyone in their system can see their mistake that it was said that the XXXX who I spoke with at the time. Open the page for a 12 month program and then closed it noting that it was a mistake and client ( myself ) would be doing 16 month program. They have defaulted saying that I did not make my payments though I had set them up automatically to draft on my account for the next 10 months. They said because the twelvemonth program was for {$50.00} a month though it was not set up for that and there was a mistake in their system that I. Would need to pay all the late fees and interest ( which there should be none the program is with no interest for the duration ) to start a twelve month program because it was showing a Default on the 60 month and couldn't no longer do this ( which I had not and they told me they could see I hadn't ) and would have to pay all the interest and late fees again this was in XXXX before my payment was due. I spoke with a supervisor there his name was XXXX XXXX said yes you have done everything correctly you are not in default and it was a mistake in the system he then sent an email to the hardship department asking them to correct it and my credit report so I could then resume payments before it went past my due date and to contact me when it was corrected. I did not receive a phone call I then called several more times in XXXX of XXXX, several more times in XXXX, several more XXXX and again todayXX/XX/XXXX when I have called they all tell me the same thing yes it may have been their mistake but there's nothing they can do unless I pay it up the balance should be {$780.00} and they are demanding a payment on the balance of over {$1700.00} ( as ofXX/XX/XXXX ). They refuse to correct the mistakes or my credit. I called again today (XX/XX/XXXX) and tried to resolve the issue but they once again refused to correct the balance or my credit so I can pay them. That's all I want is to pay them and never do business with them again. This has significantly impacted my life and my credit. Due to this I'm unable to make any changes or advances in my life or my credit. The duress it has put me through has been substantial and they believe they are untouchable and that I have no choice but To do as they have demanded and pay all this they have added on and they will continue to hold my credit and reputation at large unless I do so. I was told today they will not make those changes in correcting them as my balance owed or my credit report.
06/26/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
GA
30033
Web
The following is an amendment/added issue in connection with Complaint ID # XXXX, which I filed on XX/XX/2023. So please refer to that complaint in conjunction with the following : Since filing the complaint with CFPB, I recently received a new statement and the Comenity has not only refused to remove their erroneous {$31.00} but they have since added a {$30.00} fee on XX/XX/2023 as a " Late Fee '' and a {$2.00} fee as " Minimum Interest Charge ''. So the total they claim I now owe has risen to {$63.00}!
Comenity 's original {$31.00} they deceptively applied to my account after I paid off my balance was deceptive, underhanded, illegitimate ( there was no balance after I made my last payment of {$1500.00} XXXX paid in XX/XX/2023 ; please see CFPB Complaint ID # XXXX for details/context ), and not only did they refuse to reverse the illegitimate and deceptively applied {$31.00} ( after I paid off my account ) but they are now compounding their error with additional deceptive fees/charges on top of the original deceptive amount and the balance they claim I owe will continue to compound and increase month after month. Their harassing calls/notifications have already started. The original amount of {$31.00} was illegitimate and any additional charges beyond that/because of it are equally illegitimate. This matter will worsen month after month if they are not investigated and ordered to fix this and deem my account closed as it was when I made my final payment of {$1500.00} ( which was the final balance at time on XX/XX/2023 ) in XXXX. Why are they allowed to do this and get away with this? When will CFPB investigate this and resolve this? Who is helping me as a consumer to hold this company accountable to such a despicable and deceptive practice and resolve the issue? This is starting to impact my health and well being. Please help. Please look into this. Their original claim that I owe {$31.00} is incorrect and every charge they add on top of it is also incorrect and baseless. With the latest statement, they now say I owe {$63.00}. Next month will more. XXXX after that, it will be more. Compounding every month. Please help me. Please stop them. Please resolve this issue. Please, please. I'm begging you, please step in.
By the way, they've stopped giving me access to the electronic statements on my account online. So I'm basing this all on the hard copy statement I've received in the mail. I just can't share the electronic version with you because they have suspiciously removed my electronic statements from my online account.
Respectfully, XXXX " XXXX '' XXXX XXXX XXXX
06/07/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
IL
60624
Web
On XX/XX/XXXX I authrized a payment of {$43.00} on XXXX acct # XXXX when XX/XX/XXXX came I found out that my promotional rate had ended taking my {$800.00} balance to {$2800.00} I was very upset to hear this information since I had just paid the bill on XX/XX/XXXX and no letter no email was sent to inform me of these upcoming changes. After learning of these new charges I CLOSED the account without payment on XX/XX/XXXX and to this day never authorized or consent to any payments or payment arrangments on said account. XXXX then started Reporting on XX/XX/XXXX on my credit file payments made from XX/XX/XXXX till XX/XX/XXXX then the account went back into 30 days late status on XX/XX/XXXX the account reached charged off status on XX/XX/XXXX then XXXX started reporting additional payment made from XX/XX/XXXX thur XX/XX/XXXX after the account had been c/o and sold. I have reached out to XXXX several times in regards to this issue and they have continued to make minor changes to my report giving it a updated status when the issue has never been addressed which is ( WHO AUTHORIZED/CONSENTED ) to these payment that's been applied to my account without my consent I have never contacted XXXX to this day about payment when I asked XXXX who how these payment came about they have never addressed my concern only directed me to the debt buyer ( XXXX ) my concern Is not with who owns the debt. But the information XXXX is reporting on the original debt that only XXXX has reported not XXXX..By XXXX reporting such payments received has ILLEGALLY changed my date of first delinquency and is FALSELY manipulating the statue of limitation on how long a lender can report a debt. not only that XXXX has flipped flopped so much information so many times including changing my first date of delinquency from XX/XX/XXXX to XX/XX/XXXX from a charged off account to repo account and back to c/o account after certifying with the three major credit bureaus all information is accurate and true each time admitting one of XXXX reps made an error in reporting my information still refuse to delete the trade and still to this day can't explain to me how these payment came bout without my knowledge or consent I have also reported XXXX for FRAUD, WASTE, MISCONDUCT so that this matter can be investigated to the fullest of the law. I am the solo owner of this account and I mad no such payments never agreed or consented to many payments, payment arrangements made after XX/XX/XXXX in the amount of {$43.00} which in fact would make my first 30 days late XX/XX/XXXX .... how did these payment come about on my account
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.
05/19/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
NH
030XX
Web
Good morning, ai hope this email finds you well. I am hoping you could help me. I have been very ill and could not pay back all my credit cards with large interest rates so I called my creditors around XX/XX/XXXX to find out if there were programs available. Comenity Bank assured me that my credit cards through them could be switched to a reduced interest amount that I would pay evenly over 5 years and then we would part ways. The individual offered to place my XXXX XXXX XXXX XXXX also under this program so I thanked him. They supposedly placed me in the program and set up a schedule of payments starting XX/XX/XXXX for the amount of {$14.00}. The representative set the payments up for the XXXX of every month and when I questioned if it was OK that it was after the XXXX of every month due date he said yes because I was setting up all my comenity store credit cards. Around three months of these payments went through when my credit report said I was 90 days past due on the account. I called Comemity back and pointed out this mistake. They apologized and said the gentleman that took my call at Comenity ( in the assistance dpt ) didn't finish placing me in their assistance program and that he did it " wrong '' and that representative was going to fix it. The amount went to {$15.00} even a month. The false reporting kept happening. I contacted XXXX 4 times to say Comenity are ruining my credit report falsely and that I never missed a payment. I showed them proof that I had been set up in a payment arraignment and showed proof I never missed a payment ; I showed letters from Comenity apologizing for the error, crediting the late fees back, and assuring me they would not report this to the credit reporting agencies. XXXX finished their latest review of this complaint yesterday and no matter how much evidence I continie to give them they listen to Comenity and insist I am now 60 days past due. I go to XXXX XXXX account login page and it still insist I'm 60 days past due although I have never missed a payment. I have contacted comenity six times and XXXX five times. I even sent emails on my XXXX XXXX account asking comenity to stop falsely reporting to the credit agencies and they assure me they would ... and they don't. It's been since XXXX that I have been dealing with this and I am unwell. I am at a lost how to make this company be honest.I have yet to miss a payment. I couldn't stop paying without a phone call even if I wanted to because they set up automatic payments. Payments I couldn't make on my own without a representative setting it up for me. Ty for your help.
01/11/2023
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
NV
89117
Web
I currently owe XXXX XXXX around {$600.00} for a Victorias Secret Card and {$400.00} for a XXXX XXXX. The debt was created in XXXX of XXXX. I lost my job in XXXX of XXXX. I found a job shortly after, and worked to pay at least the minimum on my accounts. The moment I didnt make a payment for a month ( date unknown ) I would start to get at least 6 to 15 phone calls per day. This would happen if a single payment was missed. I have reached up to 3 or 4 missed payments at a time- as the months increase, so do the amount of calls.
I did call the bank in late summer of XXXX, after a phone call was made to my mom demanding for a payment to be made. I never gave my moms phone number as a contact, and had no idea how they got it. While on this phone call, I mentioned how the many phone calls a day were harassment, asked how it was legal to contact my mom, and proceeded to ask about options available to me. The person on the other line said the calls were normal and they contacted my mom because they couldnt get ahold of me. I asked my mom never be contacted because its not her account. However, I had been in contact with them - just not in constant contact. The man on the line only gave me options where a payment could be made, though I said multiple times I couldnt make a payment till I found another job.
The phone calls increased after this phone call, despite me making payments when I could. After getting around 15 phone calls at XXXX, I took to XXXX to look up borrower rights. In this search I found out the amount of calls I have received and the call to my mom were very illegal. I then called the bank and demanded the harassment end. They did not talk about it offer me any options to help with my situation or offer any relief, but the phone calls did stop after this conversation. I did receive occasional emails but had no problem with this as I know they need to have some form of contact. At this time, I was paying when I could.
On XXXX XXXX, XXXX another phone call was made to my mom. I have the voicemail from this phone call. I immediately called as soon as my mom sent me the information. This time I asked more questions about how they got my mothers contact. The lady on the other end said they had to search for another way to contact me- which means they illegally looked for family members to contact. I never gave permission, at any point, for my mom to be contacted. Again, a conversation about programs or options wasnt made.
I havent known how to report this, but an article I read mentioned filing a complaint with Consumer Financial Protection Bureau.
04/11/2022
Yes
Checking or savings account
Savings account
Closing an account
Can't close your account
CA
92835
Web
Servicemember
On XX/XX/XXXX, I submit an application to open a savings account through Comenity direct. I was intrigued by the rates and I was in the market for low risk investments. I went through the application and made an ach transfer from my primary XXXX XXXX The next day, I received an email giving instructions on how to log in to my account-I was not provided an account number.
After some research, I discovered that many people had issues with customer service being unavailable and issues with transfers. I decided to open a savings account with a more well known bank and close my account with Comenity direct. I called them on Sunday, XX/XX/XXXX and the representative confirmed that she put in a request to close my account and have my deposit transferred back to my original account. I checked my primary XXXX account the next day and my funds had been successfully transferred to Comenity direct. I decided to call again XX/XX/XXXX, to check on the status of my account and transfer. I was hung up on a couple times while being on hold and I finally was able to get a hold of someone, only to have her confirm that the account was closed and that the transfer had been initiated and would take XXXX business days. She also confirmed that I would receive an email confirming my account would be closed. I waited until XXXX XX/XX/XXXX, and I still had no email and my money was still not back in my account. I decided to see if I could access my account and transfer the funds on my own so I called again on XXXX and the representative, XXXX informed me my account was open and active. I accessed my account for the first time after receiving an account number from her and saw that my {$1500.00} that I had transferred was still in the account. Nothing had been done by any of the representatives I spoke with. I decided to transfer the money by myself and attempted to add my XXXX account. Per usual processes, I was told I had to confirm my account by reporting the small deposits Comenity made to my XXXX account. No deposits were made and today ( XX/XX/XXXX ) after checking, I am now unable to add any external bank to my account. I have no means to get my money back as the only account I can add is another comenity account and customer service has been very unhelpful as they have not done what I requested. I was told by 2 representatives that my account would be closed and my money retransferred and the third representative tells me my account is open and active. I have utilized their chat system and their automated response informs me that someone will reach out within 1-3 business days.
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.
01/05/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MI
49855
Web
XX/XX/XXXX - Made a purchase at local XXXX store and charged to my XXXX store charge card ( Comenity ) = {$130.00} XX/XX/XXXX - send check payment of {$130.00} from XXXX XXXX checking bill pay ( confirmation attached ) XX/XX/XXXX - received XXXX credit card statement showing no payment made and besides {$130.00} balance, a late fee is also now owed.
XX/XX/XXXX - signed into XXXX credit card portal system and message them to say I paid the bill in full on XX/XX/XXXX and attached bank payment confirmation.
XX/XX/XXXX - portal response from Comenity that they are looking into it.
XX/XX/XXXX - receive another XXXX credit card statement showing no payments made and more fees added, so I called the credit card company and the representative tells me it will take time for them to look into it but rest assured I will not be sent to collections, so be patient. I told the rep that my Maurices credit card had been updated recently and I thought I might have sent my payment with my old account number on it, but they said that wouldn't be a problem as I had been a long time customer and they'd find that in the investigation. I also message in the portal and again am told they are looking into it.
XX/XX/XXXX - still receiving monthly statements showing no payment so I call again and am told a representative in that area is not available and to please call back at a later time. I also message in the portal and again receive a response that they are looking into it.
XX/XX/XXXX All of the sudden I am getting calls from the credit card company multiple times a day urging me to pay my overdue bill. I talk to the caller and they tell me the investigation is in a different area than he works in and he can't help me.
XX/XX/XXXX I receive a letter from the credit card company asking for electronic transmittal inquiry form from my bank.
XX/XX/XXXX I sent the proof of payment from XXXX XXXX to the Comenity through the portal.
XX/XX/XXXX XXXX in the portal saying they are looking into it.
XX/XX/XXXX Received yet another statement still showing no payment so I messaged again through portal.
XX/XX/XXXX Response in the portal saying they are looking into it.
XX/XX/XXXX Received a letter in the portal saying they never received the payment.
I just keep going back and forth between these companies, but XXXX XXXX took the money from my account and provided the proof of payment, so I think it is Comenity 's issue that they accepted the funds but are not crediting my account for them. I'm at a loss as how to prove any other way that they have the funds and did in a timely matter.
04/18/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with fraud alerts or security freezes
MA
015XX
Web
XXXX XXXX XXXX, CEO Comenity Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I am writing regarding XXXX XXXX XXXX, CEO of Commenity Bank who is allowing Identity Fraud on my card and even has the audacity to charge me for these fraudulent charges. This complaint can be validated by the Partner BJs XXXX XXXX who markets this card. In fact, you can see below XXXX XXXX XXXX, Vice President of BJs is also allowing this to happen as my account was compromised back on XX/XX/2021 I reported it to Commenity Bank to stop the card because I received a call on my cell phone stating they are BJs XXXX Mastercard. I even gave them the phone number that came up on the caller ID and wrote and called both Commenity and BJs to stop my card before something happens.
What tipped me off the Identity Theft was the person on the phone had my full Commenity Card Number and was trying to validate my Social Security. Second, I did not have on file my Cell number as all my cards I use my land line for protection.
I wrote to Commenity to close the account as no charge happened that day. Well, Commenity Fraud did nothing and fraudulent charges made to XXXX online started to appear on my statement late XXXX and XXXX. After several calls to stop the card to no avail.
Now XXXX XXXX XXXX, CEO is running a scam sending me a letter saying they are going to ruin my credit by reporting my disputes as valid charges in hope of extortion of these charges and ruining my status as good credit with the XXXX agencies. I have the letter sent on behalf with the knowledge of the CEO.
So, we have both BJs and Commenity running Consumer Fraud and Protection Scams and want to put this on record as the AG should prosecute both firms. I will send the formal papers to the AG this week with the documents to support it.
As I been still fighting this illegal activity for months as both are just doing nothing. XXXX XXXX XXXX, XXXX XXXX is totally aware of this and going along for the ride, so her name will be put in as she is condoning this illegal activity.
In fact, this morning I called the representatives and told him received a call from their XXXX Call Center telling me this charge was to be made zero, they will close the account and open me up a new card and account for protection. But I suspect this is a scam to lure me into screwing up my credit with the credit reporting agencies.
Looking to hear from you, as I will show you all emails and even messages sent to both entities. Both did zero.
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
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
550XX
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
400XX
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
03/08/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
91342
Web
Older American
On XX/XX/XXXX I paid off the balance of {$350.00} on my XXXX credit card two days before the due date. On XX/XX/XXXX they charged me {$6.00} interest on purchases when my balance was XXXX. Then on XX/XX/XXXX they charged me a late fee of {$6.00}. On XX/XX/XXXX they charged me a minimum interest charge of {$2.00}. I called and asked why the charges on a zero balance account and they said they would refund the charges. however, they only refunded the two latest charges totaling {$8.00}. They did not refund the first charge of {$6.00}. On XX/XX/XXXX they charged me a late fee of {$14.00}. On XX/XX/XXXX another minimum interest charge of {$2.00}. Then on XX/XX/XXXX my repeat order was charged to my account in the amounts of {$25.00} and {$5.00}. On XX/XX/XXXX a late fee of {$22.00} was charged to my account and a minimum interest fee of {$2.00} was charged on XX/XX/XXXX. On XX/XX/XXXX I sent a secure message to them asking to have the charges removed. They refused. On XX/XX/XXXX I again sent a secure message to them asking that all the charges be removed. They refused again. On XX/XX/XXXX a late fee {$35.00} was charged because I did not make my payment on time due to a death in the family. Interest of {$2.00} was charged on XX/XX/XXXX. I made a payment of {$31.00} on XX/XX/XXXX which was the amount of my purchases. On XX/XX/XXXX a late fee of {$40.00} was charged to my account as well as an interest fee of {$2.00} on XX/XX/XXXX. On XX/XX/XXXX a late fee of {$35.00} was charged as well as {$3.00} interest on XX/XX/XXXX.
On XX/XX/XXXX, I called Comenity Bank and spoke with a representative who told me he would refund all the late fees but the {$40.00} and that I would also have to pay all the interest charges totaling another {$15.00}. I was asking him why when the call was disconnected on his end. I made a payment online for the {$40.00} late fee and the one interest charge for {$2.00}. I should have only paid the {$35.00} late fee instead. Then I called back and spoke with a different representative who put me on hold twice and then told me after talking to a supervisor she would refund the two late fees totaling {$75.00} and that I would have to pay {$90.00} remaining balance. Again I told her I did not owe that because they made the error back in XXXX and refused to fix it. I asked that all the late fees and interest charges except the one I paid be removed from my account and that all the derogatory information they sent to the credit bureaus be removed also or I would file a complaint with the government. She refused and maintained I owed her {$90.00}.
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!
12/14/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
OK
735XX
Web
Servicemember
XX/XX/2022, I was told by Comenity Bank call center representative XXXX, that my XXXX credit card with comenity bank had been sold to a 3rd party called XXXX XXXX due to me being 6 months behind on payment. The balance on my credit card was then {$320.00} at that time. While my limit was {$500.00} She provided me with the phone number to XXXX XXXX to make my payment. I contacted XXXX XXXX XXXX MO on XXXX and I made the payment of XXXX, after making the payment.. I received NO confirmation nor receipt of payment.
I continued to call XXXX XXXX as well as Comenity Bank over and over again, I even tried to dispute with my bank. I was told by Comenity bank that XXXX XXXX has not sent them the check yet. I was told by XXXX XXXX that there was a glitch in the system and that my payment should reflect shortly.
Finally in XX/XX/2022 I spoke with a supervisor by the name of XXXX XXXX with Comenity bank, who told me all of my calls and complaints were documented and everything I explained aligned with what his data.
He informed me that a week after XXXX ( call center rep ) informed me that my account was sold to XXXX XXXX my account was reversed BACK TO COMENITY AND NO LONGER WITH XXXX. I have never ever notified of any of these changes!!
He then instructed me to send a letter explaining everything with my attached BANK STATEMENT as proof that I paid debt. In my letter I requested the issue be resolved and that the false credit reporting be corrected.
Weeks later I received a letter in the mail explaining that the investigation was pending and I would receive a temporary credit and there would be no balance on my credit card.
Weeks after that I received another letter stating that after investigating, my claim could not be supported and that the credit they provided me would be revoked. Leaving me with a balance if now over {$400.00} I contacted comenity bank and they told me that my claim could not be supported because I could have disputed the charge since that bank statement. I WAS NOT ABLE TO DISPUTE TRANSACTION WITH MY BANKS DUE TO EXCEEDING THE 60 DAY TIME WINDOW.
Since then I have given up the fight and decided to pay comenity bank in attempts to zero out my balance AGAIN, since then my credit is STILL NOT REFLECTING. My credit report is stating that I have a balance of XXXX with a limit of XXXX which means Im using 93 % of my credit which is badly affecting my credit.
Weeks later I received another letter stating that because of my revolving credit my card limit is now XXXX, but I never received anything about my zeroing out my balance.
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.
11/16/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
117XX
Web
I purchased a couch from Arhaus in XXXX and took advantage of a 0 % promotion for 2 years but chose to pay off in equal {$950.00} installments automatically through my bank over that 2 yr period but the last payment ended up less and I paid it a few days late.
The Full Balance due was paid on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and interest was paid on XXXX XXXX XXXX XXXX XXXX XXXX XXXX in advance of the correspondence but they never reversed the Late Fee as granted below and continue to charge Late Fees and Interest to date on an account that had no balance due.
In addition they continually delayed responding to messages in order to run up additional fees which now total {$91.00}. This is completely invalid as they received every dollar owed timely and this is simply a case of predatory & unscrupulous finance practices.
The below is the correspondence I had with Comenity Bank on my Arhaus Credit Card.
From : You Sent : Wednesday, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX To : Comenity Bank Subject : Late Fees or Finance Charges Message ID : XXXX Good morning I'd like to respectfully request a courtesy waiver of the late fee and interest charge on my account last month in the amount of {$29.00} & {$2.00} respectively. I have made all payments timely since I have been a cardholder in XXXX and was only late due to the fact that I was aware my final payment was less than the monthly I had been paying since inception of the account. Once I was aware of the amount the payment was made in full immediately.
Please advise if you will accommodate.
Kind regards XXXXX XXXX From : Comenity Bank Sent : Saturday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs.
We credited your account.
We're happy to let you know that we have credited a {$29.00} late fee to your account, as a one-time courtesy. You can expect to see the credit applied to your account in 2-3 business days. To avoid further late fees, please make sure we receive at least the full minimum amount due by XXXX XXXXXXXX XXXX on your scheduled due date.
This late fee credit is dependent on making your next payment on time.
If you fail to make the minimum payment due on or before the due date, this late free credit will be reversed and a new late fee will be assessed.
Thank you for your loyalty and have a great day.
If you have any questions, please click the reply button.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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
376XX
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.
04/06/2022
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
IL
600XX
Web
Last week I spoke with comenity bank with corporate headquarters at XXXX XXXX XXXX, XXXX XXXX in XXXX Delaware, regarding a furniture payment and explained that I would make a payment online next week when I get paid. That was on XX/XX/22, todays date is XX/XX/22, I get paid this upcoming Friday XX/XX/22. They block their caller id frequently, and call from multiple numbers. Yesterday I received a total of XXXX phone calls, I believe this would be considered that they were harrassing me. Calling me multiple times in XXXX hour. The first call was XXXX on XX/XX/22 from the number XXXX. The next call was at XXXX XX/XX/22 from the number XXXX. The next call was at XXXX XX/XX/22 XXXX. The next call they blocked their caller id and called at XXXX XX/XX/22. The next call was at XXXX from the number XXXX. They blocked their caller id again when they called at XXXX and then again from a blocked caller id at XXXX on XX/XX/22. They called again at XXXX from the number XXXX on XX/XX/22. They called again from the number XXXX at XXXX on XX/XX/22. Then they called at XXXX from from the number XXXX on XX/XX/22. Today they called repeatedly from a blocked number. On XX/XX/22 I received a call from them at XXXX, then another at XXXX, and then again at XXXX. I explained to the first person I spoke to on XX/XX/22 that I don't appreciate them masking their caller id. It simply says " Unknown Caller ''. They never state that the call is being recorded, and when I asked the lady today she said it was not being recorded. I may be wrong, but I manage a call center for a dealership, we must record all inbound and outbound calls, and we must state on the onset of the call that it is being recorded. Without doing so, I believe they are in violation of FTC regulations. When I told her I knew the laws and that they were in violation because I manage a call center, she said " well then you should be able to pay your bills. '' I feel that was degrading, not sure if it violates anything though. I then repeatedly asked to speak to a supervisor, which she refused. It's not just XXXX person making these calls, but this particular lady was very disrespectful. I was so frustrated I ended up YELLING over her, she would not let me speak, and finally ended up cursing and then hanging up. calling XXXX in XXXX day is harrassing and abusive. Calling XXXX in XXXX hour is harrassing and abusive. I realize I missed a payment, but I explained when I would be making that payment and they continue with these incredibly upsetting and repeated calls. At the very least this violates the FDCPA
12/15/2022
Yes
Checking or savings account
Savings account
Managing an account
Problem making or receiving payments
MA
01824
Web
Comenity Capital Bank recently refused to honor the following payments from my Comenity savings account : Date Initiated : XX/XX/XXXX Recipient : Financial Industry Regulatory Authority , Inc. ( FINRA ) Purpose : Registration Fees Amount : XXXX Date Initiated : XX/XX/XXXX Recipient : XXXX XXXX XXXX XXXX. ( Chase ) Purpose : Credit Card Payment Amount : {$130.00} With regard to the FINRA payment, on two separate occasions I spoke with a Comenity customer service representative ( XXXX is her name I believe ) who incorrectly told me that the payment to FINRA was honored but that FINRA returned the payment to Comenity with no reason given. I incorrectly relied on this completely bogus information in my conversations with FINRA.
Comenity provided no reason for blocking these payments other than to say my savings account is a non-transaction account. It seems completely arbitrary that Comenity should block these payments. Since opening my savings account on XX/XX/XXXX, XXXX has processed payments to a wide variety of recipients, including : XXXX XXXX XXXX XXXX credit card XXXX Internal Revenue Service tax payment XXXX XXXX credit card payment Commonwealth of Massachusetts tax payment XXXX XXXX credit card payment XXXX XXXX credit card payment As a result of Comenity blocking the payment to FINRA, I was late in paying my investment advisor registration fees, which put my employment status at risk and forced me to initiate a wire transfer to complete the payment. Similarly, as a result of Comenity blocking the payment to XXXX, I am late in paying my credit card bill, which will cause me to incur late charges and fees. I have spent an immense amount of time and suffered much XXXX and stress during my attempts to resolve these payment issues.
I have never previously had a payment blocked by Comenity and there seems to be no rhyme or reason why one payment request would be honored while another is not. More troubling, neither at the time of opening the account nor at any time subsequent to opening the account was it disclosed to me that Comenity may block a valid and legitimate payment for no apparent reason. Comenity has provided no specific guidance as to what payments will be honored and what payments will not be honored, which is completely unacceptable. The only reason Comenity should be allowed to block a payment is if it believes the payment is fraudulent or unauthorized. And in this case it should only be allowed to block a payment if it has made a reasonable attempt to contact me in an attempt to verify that the payment request is valid.
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.
12/26/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
OH
44514
Web
My XXXX Victoria Secret card had a XXXX balance I went to use my card in XX/XX/XXXX i was given a number to call because my card needed replaced as it was cracked.
I called comenity bank req a new card XXXX card by victoria secret XX/XX/XXXX was told by a XXXX it can take up to 12 weeks XX/XX/XXXX called again to see the status of my card issue they apologized and said allow just a few more weeks XXXX I spoke to a XXXX and was told they could not find my account.
So today XX/XX/XXXX I call again spoke to a total of 9 people and was told was closed due to inactivity without any notification.
I told them i have been requesting a card for months and still waiting.
I logged into my email and got this notification from a credit reporting company which said ____________________________________________________________ Remark code added to COMENITYBANK/VICTORI account Between XX/XX/XXXX, and XX/XX/XXXX, the following remark was added to this account : Account closed by credit grantor.
Remarks are meant to make your report clearer. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information.
_______________________________________________________________ So i keep getting various closed dates. It was never late and always for 4 years in good standings and this will now reflect a lower credit score for me which is unfair.
Above says it was closed between XX/XX/XXXX and XX/XX/XXXX Reps have told me it was closed from XX/XX/XXXX which i know was wrong to XX/XX/XXXX Was told again closed XX/XX/XXXX was advised letter not sent. Because they were doing a big system upgrade and they are sorry, no way to reopen it.
Called spoke to XXXX and was transferred to a supervisor XXXX, she transferred me to a higher up supervisor XXXX, and she came back on line and asked if I was XXXX?? more than once I have had the worst experience with this company who just closed my account that I was in good standings with for 4 years without any notification XXXX - yet another supervisor only had static on her line when i spoke to the point the call was a big waste of time.
Granted I do not use my cards all the time but when i tried i was told it was cracked and to get a new card that never came and then they closed it.
I want my account reopened, its not fair to me as a good consumer that pays bills on time.
I should have had an email, letter in mail text, call something to say hey your account may get cancelled, but even when I asked for new cards 3x was i told it was cancelled
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.
07/23/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
NY
11706
Web
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XX/XX/XXXX AND XXXX FRAUDULENT ACCOUNT IS STILL ON MY REPORT!
PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
XXXX XXXX LATE PAYMENTS Credit usage 100 % Balance {$570.00} Balance updated XX/XX/XXXX Credit limit {$350.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Status 90 days past due Status updated XX/XX/XXXX Past due amount {$100.00} Highest balance $ 571 Monthly payment {$29.00} Contact info Address XXXX XXXX XXXX XXXX, OH XXXX XXXX number None provided THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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.
04/13/2022
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Sued you without properly notifying you of lawsuit
FL
322XX
Web
Servicemember
I have not ever received any written notification in reference to a Comenity Bank/Victoria Secrets Card . I had a Victoria Secret Card that was submitted with a XXXX XXXX XXXX that was filed in XXXX and discharged in XXXX. Since then I have not had a Comenity Bank/Victoria Secrets card nor have I received in written communication referencing a debt owed. I have not have any reporting to any CRA 's that a debt was owed, past due or charge offed. On XX/XX/XXXX, after relocating to Florida and starting a new job, I received a very threatening call from XXXX XXXX XXXX XXXX out of XXXX TX. The women told me that there was a warrant out for my arrest and that they had a default judgement against me, she verbally provided a case # and stated that I had until XXXX pm that day to pay to stop the warrant and final judgement. I working as a XXXX in the XXXX XXXX and can not have any negatives on my credit. So in fear I immediately paid the debt without verifying if the debt was even valid. The women knew all my personal info and sounded very convincing. I emptied my savings and paid {$3100.00} to XXXX XXXX XXXX. I received a letter from them confirming debt paid in full. As of XX/XX/XXXX I have started receiving calls for the same debt stating that same a warrant and default judgement being issued. I started receiving calls from XXXX XXXX XXXX say that I owe for {$1700.00} in fees to include an amount of {$390.00} being part of the original debt. I contacted Comenity Bank/Victoria Secrets company on XX/XX/XXXX who stated that they do not show a card or a past due debt referred to a debt collector. I called XXXX XXXX XXXX who stated that they have no cases or judgements pending or ever filed against me. I checked my credit reporting and no such debt shows on my credit file. XXXX XXXX XXXX, have been rude, threatening and demeaning and have not provided any proof of this debt. They have not provided anything in writing, nor over the phone when I requested both. I told them I do not owe anything and that I am not required to pay on this debt per the protections under the FDCPA. They call from different numbers, they answer the phone by saying just hello, they do not say that they are debt collectors or that their line is being recorded. I have told them I do not owe this debt and they keep calling. These companies are not practicing in accordance with the FDCPA and consumer protection laws. I am needing your assistance in this matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TiXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Ohio XXXX
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
223XX
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.
09/27/2022
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
RI
028XX
Web
We have a BJs Wholesale Mastercard that is issued through Comenity Bank. We have carried a balance of around {$30000.00} for between XXXX to XXXX years. We have struggled to pay it down but have not had any success. On XX/XX/XXXX this year we were contacted via phone by Comenity bank trying to collect an overdue payment. During the call we inquired through the representative we were speaking with about possibly receiving some debt relief. I have had my income reduced significantly by the XXXX XXXX XXXX I work for. Though the representative was unable to accommodate our request for debt relief she did offer to enroll us in a hardship program. The program allowed us to pay off our balance in 60 months without any interest. Our payment would be $ XXXX. We made our first payment over the phone that day and have made 2 additional payments in XXXX and XXXX through automatic withdrawals by Comenity bank from our checking account. Also as a condition of enrollment in the hardship program was that we had to close the BJs Wholesale Mastercard Account.
On XX/XX/XXXX we received a letter from Comenity Bank dated XX/XX/2022 stating that they were unable to complete our request to enroll in the hardship program. The letter, which is attached, listed 7 reasons ( none of which applied to us ) as a reason we were not able to be enrolled. We were already enrolled as I detailed above and had made the payments we agreed to. Comenity Bank claimed that the reason we were being removed was due to BJs Wholesale club was discontinuing the program. We find it very suspect that now that interest rates charged by banks, have increased significantly, that the program was dropped. We could not get a clear answer if all the people in the program were being dropped or just select individuals like us. There was no offer or attempt to provide us with an alternate approach to pay off the balance. In addition we were told that we had a minimum payment of over {$1000.00} owed and that we would have to pay late charges on. The bank has made considerable money from the interest we have paid to date and now are making record profits it is criminal to force customers enrolled in hardship programs to return to paying the full inflated interest date. We are trying to paydown our balance off and the hardship program provided us a method to do so. Without the program we will have borrow money to pay off the balance.
We did receive an initial letter confirming our enrollment in the program but I can not find at this time. I'm sure Comenity Bank can provide a copy.
04/02/2023
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MA
010XX
Web
My problem is with Comenity Bank and/or with their debt collection practices.
I had an XXXX Credit Card with XXXX XXXX XXXX. Late XXXX, Comenity Bank apparently took over the closed account or they took over debt collection for a closed account. But the situation was very unclear and suspicious and appeared fraudulent, because I never had an XXXX Credit Card with Comenity Bank, as they had portrayed. They refer to this account as " XXXX XXXX XXXX ''. The situation looked fraudulent to me, because it seems like some suspicious phishing scheme that does not know how to spell " community ''.
Nonetheless, I followed the instructions and paid them the requested amount of {$150.00} on XX/XX/XXXX, following their website instructions. Documentation attached or available from my XXXX account.
Comenity deposited the check for {$150.00} on XX/XX/XXXX. Documentation attached or available from my XXXX account.
During this time, I also disputed this incident and the negative remarks with the Credit Reporting bureaus, like XXXX, XXXX, etc. Also, it seems like a {$150.00} amount was credited to another Comenity Card that I have with " XXXX XXXX ''. So my thinking had been that perhaps, as part of the closure of the issue with the credit score disputes, they credited the check to " XXXX XXXX '', after closing out the Debt at " XXXX Credit Card '', previously with XXXX XXXX XXXX. On XX/XX/XXXX, Comenity sent me a Refund Check of {$150.00}. I have done nothing with this check, as it seems like a " scheme '' to draw me back into debt collection and " late fees '', if I were to deposit it.
On XX/XX/XXXX, the daily calls and emails from Comenity Bank resumed regarding " XXXX Credit Card ''.
My concern is that I am in an endless loop of debt collection with this company, for which they will charge " late fees '' and degrade my credit score. I followed their instructions, paid {$150.00}, which they received and deposited.
My desired outcome of this complaint is that Comenity Bank should properly account for the check that I had previously sent them, and/or otherwise, close the case of this debt. They should no longer contact me regarding this debt. Additionally, they should please close my other account with them. I want no relationship and no contact with Comenity Bank, as they seem phishy, disreputable in the handling of this matter, and they have aggressive daily phone calls, when I have previously request " stop contact ' and only communicate with me via certified mail. ( Documentation attached and/or available. ) Thank you.
10/15/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Can't close your account
NY
10023
Web
Servicemember
I continue to receive unfounded charges without any explanation on a card I closed and destroyed with documented proof of the closure ( Comenity Bank, XXXX XXXX ). Bread Financial/Comenity bank is unreachable at their customer service line and by their secure message center, saying messages are undeliverable, and yet they continue to send bills and late fees despite account closure and the account no longer even being active.
I have a detailed record of closing this account after paying my final bill and receiving a refund I was owed by the company. Comenity continues to harass me, even upon closing the account and after I received my credit refund from them, which was the last thing that needed to happen before I closed the account. The company continues to harass me with a new charge of {$380.00} without stating what it is for and when it was made. The account was closed at the time they continued to send me charges, harassing me for payment. Upon account closure, I properly destroyed the card and had no automatic payments set up whatsoever to this card. The unfounded and unprecedented charge is for {$380.00} and NOWHERE on the bill tells me what it is for. AGAIN, this was sent to me after I had closed the account.
I have written a handwritten letter disputing this charge, which they acknowledged by sending a letter back saying they were looking into it on XX/XX/2022, and yet I still receive bills requesting payment. I continue to be harassed by Comenity, receiving a most recent LATE FEE after not paying what is an UNFOUNDED charge. It is IMPOSSIBLE to reach customer service, and I am completely fed up with this creditor and find Comenity a CREDIT PREDATOR in every sense of the term. I have yet to receive a satisfactory response to my dispute and complaint and I have written documentation of closing the account after making my final payment of {$1000.00} on XX/XX/2022.
I fear that this is going to eventually work against my high credit score which I have worked hard on if I continue to refuse payment. I also do not want to accrue any more late charges on this unfounded and predatory payment. Comenity is unreachable at their customer service line of XXXX, and in the times I have managed to stay on the line waiting for support for HOURS PLUS, they do not help and hang up on you. Secure messages are not being sent and I have documented proof of my attempts as well. They need to be shut down. I am happy to speak further about this case and need support as soon as possible. I am so grateful for your help. Thank you.
11/07/2023
Yes
Credit card
Store credit card
Fees or interest
Unexpected increase in interest rate
VA
22312
Web
Subject : Complaint Against Keys Jewelry Credit Card Company XXXX XXXX XXXX ).
Dear Sir/Madam, I am writing to express my deep frustration and concern regarding a recent experience I have had with Keys Jewelry ( XXXXXXXX XXXX XXXX XXXX a credit card company. I believe that I have fallen victim to a fraudulent charge, and I am seeking your assistance in resolving this matter.
I have been a responsible cardholder with Keys Jewelry ( XXXX XXXX ) and have made consistent payments, staying on track with my financial obligations. I initially owed approximately {$6000.00} and made a substantial payment of {$5300.00}, leaving a balance of about {$700.00}. Following this, I diligently made monthly payments of {$100.00} to reduce this remaining balance.
To my surprise, today, I received information from Keys Jewelry that my payments were supposed to be completed within 18 months. This was the first time I had ever heard of such a stipulation, and it was not disclosed to me at the outset, during the course of our agreement, or even at the end. The lack of upfront information and notification is deeply concerning and has caused me undue stress and financial hardship.
Upon further investigation, I noticed that there had been an unexpected addition of over {$200.00} to my current payment balance when I checked my online account with Keys Jewelry. This alteration to my payment terms has put me in a precarious financial position, which I was not prepared for.
Given the current state of the national economy and the challenges many individuals, including myself, are facing, I want to stress the gravity of this situation. I am a single mother, a XXXX and the sole provider for my XXXXXXXX son. The unexpected financial burden placed upon me by Keys Jewelry is causing me great distress and making it increasingly difficult for me to meet my financial responsibilities.
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to address this fraudulent charge and the lack of transparency from Keys Jewelry. I hope that your intervention will help rectify the situation and prevent other individuals from falling victim to similar practices by this company.
I appreciate your attention to this matter and look forward to a prompt and satisfactory resolution. Please feel free to contact me at [ Your Email Address ] or [ Your Phone Number ] for any further information or clarification you may require.
Thank you for your time and assistance in resolving this issue.
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.
10/23/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
PA
19067
Web
DISPUTED ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMENITY bANK XXXX XXXXXXXX I have been disputing the accounts since XX/XX/XXXX and XXXX failed to delete or remove the inaccurate accountS instead they keep changing information within the creditline, from date opned, amount owed, owner of account etc. TOTALLY INACCURATE CERTIFIED DISPUTES DATES XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX.
The following are identifiable violations visibly reflected and can be proven by the actual credit reports presented as evidence.
XXXX on XX/XX/XXXX removed credit line with XXXX XXXX AND XXXX XXXX XXXX, then re-age the debt from XX/XX/XXXX to XX/XX/XXXX and added XXXX XXXX a violation of the FDCPA and FCRA. Section 623 ( 5 ) ( A ). FALSE AND INACCURATE REPORTING JUST WRONG ACCOUNT INFORMATION See XXXX credit report number # XXXX dated XX/XX/XXXX and report # XXXX dated XX/XX/XXXX. Attached CREDIT REPORTS SHOWING FDCPA & FCRA VIOLATIONS AS CHARGED ( attached ) XX/XX/XXXX. # XXXX XXXX XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX # XXXX SPECIAL NOTE for Complaint against CRA XXXX It should be noted that since # XXXX student loan educational loan was initially inserted on plaintiff credit file the following SEVEN changes were made to the entry : 1. Changed from student loan educational loan TO unsecure loan 2. Changed from one year of ON-TIME payment TO no payments made 3. Changed from XXXX XXXXXXXX XXXX TO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal of XXXX XXXX as original creditor 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( account open twice ) ALL THE ABOVE CHANGE CONSTITUTES INACCURATE FALSE AND MISLEADING CREDIT REPORTING FCRA SECTION 623 ( 5 ) ( a ) 605 ( C ) FDCPA SECTION 1692 ( e ) 1-2. Continuing to report inaccurate credit line is proof of : willful, negligently, wantonly causing damages to plaintiff.
1. Failure to validate a disputed debt FDCPA SECTION 809 ( b ) 2.Failure to report a disputed debt to CRA FDCPA SECTION 807 e ( 8 ) 3.Continue to report without validation FDCPA SECTION 809 ( b ) 4.Calling after hours FDCPA SECTION 805 ( A ) ( 1 ) 5.Using harassment and abuse threats FDCPA SECTION 806 6.False and misleading representations FDCPA SECTION 807e 7.Furnishing false and deceptive and misleading reporting FDCPA SECTION 812 8.Falsely furnishing false on-time payments to CRAs. SECTION 807.
11/28/2022
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
GA
302XX
Web
XX/XX/2022 Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX Re : Charge XXXX XXXX # XXXX XXXX XXXXXXXX, I am responding to your last response letter from the Consumer Protection Bureau portal regarding this Avenue account, you are mistaken as this is your final letter because the details of this account is false and deceptive.
You are stating it is your policy to comply with all applicable laws and regulations ; however, you are not following any Federal applicable laws based off the findings in this letter. First, you infringed upon my rights to privacy by selling my personal information to a third party agency. According to 15 USC 1692a, Congress is aware of the abundance of evidence of abusive debt collection practices contributing to the invasion of individual privacy such as me the consumer natural person. As a result, you violated my rights to privacy. You stated you sold this account which indicates you received income for this account. Your corporation is reporting this charge off on my credit report when in fact Pursuant to 15 USC 1681c ( a ) an account placed for charge to profit and loss is considered income for the consumer and no income shall be reported on a consumer credit report. Where is my 1099-c, so that I may file this charge off as income? This account will be rectified and I will be filing a form 3949-A of this fraud with the Federal Trade Commission and Office of Tax and Revenue concerning the tax fraud. Your institution will update my account as paid in full and remove any derogatory remarks. You stated XXXX XXXX XXXX XXXX XXXX may report this alleged account under its name as the new creditor. Federal Law states according to 15 USC 1692a ( 4 ) that a creditor does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
XXXX XXXX, whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
As a result, I am including an invoice for {$5000.00} that will be sent to me check using certified mail for infringing upon my rights to privacy. If you should have any questions, you will contact me via email only at XXXX Thanks, XXXX XXXX XXXX ( XXXX ) Without Prejudice
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
197XX
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.
07/07/2023
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
VA
23220
Web
For several months, I was not able to access my XXXX XXXX account ( Comenity Bank ) online and would get an odd error message. I would also get the same error message when trying to change my password ( to try to clear the login issue ). I have had the account for many years with paperless billing. Before paying the current bill in full, which is my standard practice, I always review the specific charges first, which I could not do, since I could not access my account. In the meantime, I knew the minimum payments would be made because I had set up autopay. I called approximately 2-3 months ago and the customer service person I spoke with confirmed the login problem for my account, and said I should try again in a week and by then the login difficulties should be fixed. She also said they would start sending me paper bills. Two weeks passed, and I still couldn't access my account and I have yet to receive a paper bill. So I called back, and that customer service representative also acknowledged the login problem with my account and unregistered my card so I could reregister it and hopefully clear the log in problem. But, when I tried to reregister, the registration function was down and was not available. The customer service representative who had unregistered my card acknowledged this, and said I should try again later. Two to three weeks later, the registration function is still not available, and I have still not received a single paper bill. So I called again today. This time I paid my bill in full over the phone, without an opportunity to review the charges, because I already had a late charge. When my card was unregistered online, my autopay election was also cancelled apparently. The customer service representative today has put in a request to reverse my late charge. She also said I needed to work with my local post office, to see why I am not getting my paper bills. I live in a very densely populated urban neighborhood and the mail delivery is notoriously poor, which is why I always elect for paperless statements. So now I also have to worry about the fact that paper statements are being delivered to the wrong address, on top of not being able to check the charges actually made to my account. She suggested I keep using easy pay function ( which does not allow me to review charges ) and said hopefully the card registration feature would be fixed. I simply gave up and today paid my account in full, without an opportunity to review the specific charges, including any interest that had accumulated.
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
01/23/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Credit monitoring or identity theft protection services
Billing dispute for services
IL
60611
Web
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Commenity Bank XXXX XXXX XXXX XXXX for billing errors in connection with identity theft that occurred on XX/XX/2022. As a consumer, I am protected by several laws including the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 et seq. ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), and the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 et seq. ) and I believe that these laws have been violated in my case.
On XX/XX/2022, I discovered unauthorized charges on my credit card statement issued by Commenity Bank XXXX XXXX XXXX XXXX. Upon further investigation, I realized that my personal information had been compromised and used to make these fraudulent charges.
As per the FCBA, I have the right to dispute any inaccurate or incomplete information on my credit card statement within 60 days of the statement being sent to me and the bank must correct or explain the errors within XXXX billing cycles. I have notified Commenity Bank of these unauthorized charges and requested that they be removed from my account, but I have yet to receive a response or resolution.
I would like to add that the unauthorized charges on my credit card statement not only caused me financial harm, but also resulted in a great deal of stress and inconvenience. I have had to spend countless hours on the phone trying to resolve this issue with Commenity Bank, and I have yet to receive a satisfactory resolution.
Additionally, the FCRA requires that credit reporting agencies, such as Commenity Bank, take reasonable steps to ensure the maximum possible accuracy of the information in my credit report and notify me if any adverse action taken based on my credit report and investigate any disputed information and correct it if it is found to be inaccurate. As the unauthorized charges on my credit card statement have also been reported to the credit reporting agencies, I believe that Commenity Bank has not fulfilled these requirements.
I also want to bring to your attention that my XXXX XXXX has been negatively impacted by these unauthorized charges, which has caused me to be denied credit and other financial opportunities. This is a direct violation of my rights under the FCRA, as I have the right to accurate and complete information in my credit report.
Furthermore, XXXX prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age or because you get public assistance.
01/20/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
VA
23185
Web
XXXX XXXX Comenity Master Card statement had a fraudulent charge from XXXX XXXX Contacted company placed fraud on my account, card was closed and new card issued.
XXXX XXXX New card received unable to register card, received statement from Comenity with no balance yet {$39.00} late fee. Called Comenity due to system upgrade my account got tied up and unable to access account. Transferred to fraud who stated fraud investigation still ongoing, due to system issues dont be concerned with late payments, they will be eliminated when account is corrected.
XXXX XXXX Another statement another late fee XXXX balance- Called Comenity still unable to access my account due to system change- no concerns not reporting to agencies late fees and all fees will be removed once system and account is corrected.
XXXX XXXX Statement late fee, contacted Comenity customer service unable to find Mastercard account in system. Transferred to fraud who could find notes in the old system. Not sure why my account isn't correct escalated to IT from immediate correction call back in a few weeks XXXX XXXX Statement late fee- called fraud department and same issue, however this time they said the fraud was confirmed and I have XXXX balance do not be concerned with late fees all accounts effected will be corrected and balances taken care of a new card issued.
XXXX XXXX Statement late fees this time credit of 1 late payment and charge of another late payment with 90 day late notification. Customer service can not locate Mastercard account transferred to fraud same story XXXX XXXX Letter from Comentity credit limit was reduced from {$7500.00} to {$750.00} for failure to pay. Contacted Comentity customer service still can not locate Mastercard, transferred to fraud who said this is odd should be fixed going to escalate to the top to be corrected immediately and I will get a letter when corrected. May have to close entire account when corrected to get it back, which seemed odd XXXX XXXX Delinquent reporting on all 3 credit agencies- dropping credit score and now impacting possible parent plus loan on my sons education parent plus loan.
I have as documented on their records {$0.00} balance on this card as I have not used it in years. The late payments were on the fraud charge on my account and since their system upgrade my account is lost. I have called and mailed monthly since this started, with communication stating this will have no impact on my credit reports. It has now impacted my credit reports and rippling effect.
08/15/2023
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive notice of right to dispute
RI
02920
Web
Older American
As of XX/XX/2023, I had already notified Comenity Capital Bank of a mis-charge with the XXXX credit card account. I spoke with a representative of Comenity Capital named " XXXX ''. I told him that I notified XXXX that I didn't need the XXXX XXXX XXXX treatment because their company didn't honor the service when I purchased a bedroom bureau from them. According to the Service, XXXX was supposed to have a third company deliver my product to my home and place it safety inside where instructed. The delivery service contacted me and told me that they couldn't deliver the bureau to the 2nd floor bedroom in my house due to Covid restrictions and wanted to leave the bureau in my driveway.
I told them that was impossible because I couldn't transport something that heavy up the stairs to the 2nd floor rear. No one in my house had/ever had Covid, and everyone in the house was XXXX. They refused and I told them to return the bureau. I contacted the Company for a refund and received a refund for the bureau but not the Service.
I asked for a cancellation of the Service but the Company ( XXXX ) wouldn't remove it and kept charging me " late fees '' on a " XXXX '' service for non -payment. I contacted Comenity as stated above and " XXXX '' seemed to understand my problem and apologized repeatedly for the continuing late fees and non-cancellation of the Service. He stated that I would received further communication from the Bank as they researched the problem and that I would receive no more bills for late payment. ( This conversation should be in their database as recorded conversation ).
I received a dispute letter from Comenity Capital XXXX XXXX XXXX XXXX XXXX referring to the previous contact with their representative and it stated to wait until they contacted me at the conclusion of their investigation. I have the original dispute letter which I am going to upload to my credit reporting companies. Since XXXX XXXX XXXX no further communication was received from Comenity Capital just bills from XXXX incorporating higher amounts in late fees for non-payment of the XXXX XXXX XXXX I never received.
This situation with XXXX and their banking company, Comenity Capital is causing me severe damage in my credit score ( XXXX down to XXXX ) and prevented me from obtaining a XXXX XXXX XXXX XXXX XXXX XXXX due to the low score ( I will also upload the XXXX letter to the credit reporting companies in a dispute ).
Please help. All I see is greed, greed, greed on their part destroying a formerly great customer.
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.
06/27/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
FL
32256
Web
I have XXXX credit cards with Comenity bank : XXXXXXXX XXXX and Victorias Secret. I have been trying since XX/XX/XXXX to make a payment on one of those credit cards on the website ahead of a payment due today, the XXXX. I found that last week, the site was down for ALL of my credit cards with that company. I was unable to login, access my account, statements, make payments, etc. I noticed on XXXX and XXXX that they were addressing peoples concerns with this outage by telling them to call a specific phone number on the back of their card or to use the same day payment option on their website. I tried both of those options on Thursday and I was unable to reach anyone on that phone line, and the same day payment option was not available and was not working that day either. So the direction of the company was giving everyone was not correct. They kept giving canned responses to everyone who was concerned about it and told them that the outage would last until the beginning of next week, which is todays date. I attempted to use XXXX on several occasions to reach out to them about the issues that I was having and I got a canned response to use the phone number on the back of the card To make the payment. When I did that, the automated message on the phone said that no agents were able to assist with anything related to accounts and eventually it disconnected the line. I was unable to speak with anyone on the phone at all. I tried to log into my accounts again and one of them logged in but it had a massive error message on it and it also said that my account was closed ( which is not possible, I hadnt received any communication about this ). I reached out again on XXXX, along with quite a few other people, and we were still given the same response to simply wait and sorry for the outage, and that it will be fixed eventually, and to try calling But every time I try to call, there isnt a human available to help me try to make a payment. My payment due today has a possibility of incurring a late fee if I dont pay it today but I have literally no way to pay it. I dont want any late fees or negative credit reporting and I simply just want to have access to my accounts again. Reaching out to the company on social media seems to be the only way to get any kind of response in general but its all the same and its not helpful and its not resolving anything. Its predatory that theyve had their website out for almost a week if not longer and that no one is able to make any kind of payments on these cards.
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!!
07/06/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CA
94002
Web
In late XXXX, I received my paper credit card billing statement for the Victoria 's Secret store credit card issued by Comenity. The total amount that was due was {$27.00}. I have excellent credit and pay off my credit card balances without the accrual of interest. This card has been no exception since I opened it over 17 years ago.
I issued a check payment for {$27.00} on XX/XX/2022 and mailed it to the required address along with the payment stub that accompanied my credit card bill. This payment was sent out a day or two after the preparation of the check. However, for some reason, this payment was not processed until XX/XX/2022.
Because the bill was due on XX/XX/2022, Comenity charged me a late fee of {$27.00} on XX/XX/2022 and a minimum interest charge on XX/XX/2022.
When I received my XXXX billing statement that should have had a {$0.00} balance on Thursday, XX/XX/XXXX, I called Comenity to complain about the late fees and interest charges as this was not the first time they failed to timely process a mailed in payment and to get the accrued fees removed. However, I could not speak to anyone as the voice recording stated that their were undergoing a system upgrade and to call back at a later time because they were aware of the issues that this system upgrade has caused. Since XX/XX/XXXX, I called on Saturday, XX/XX/XXXX and Wednesday, XX/XX/XXXX, and still have not been able to speak to anyone about my account. I can not even login to my account online to file a complaint due to the system upgrade.
I never had any issues with this credit card prior to Comenity taking over this account as the issuing creditor. I closed all other store credit cards that were transferred to or issued by Comenity for the consistent issues I have had with them as a creditor. However, I can not close this account due to the impact it would have on my credit history given that this credit card has been opened the longest.
What is more, I understand the implications of failing to timely pay on a credit card as I am an attorney who has had financial institutions and debt collectors as clients and have filed lawsuits against debtors for their delinquent debt on those institutions ' behalf.
It is unacceptable for a creditor to refuse to take calls directly from a debtor, especially given the impact of a negative tradeline it would have on my credit report. It is also unacceptable for a creditor to fail to timely process payments when they are received, and it is a consistent issue with Comenity.
05/11/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
PA
170XX
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.
10/04/2023
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
IN
46350
Web
To whom it may concern, This was a charge from years ago and could be even past the point of collection time.
However, I had an XXXX XXXX Account through Comenity Bank now owned by Bread Financial to the best of my knowledge.
I used it for a few years and always paid on time.
Then there was a charge on my account for over XXXX dollars and was shocked.
I had used the card for services but the amount I was told was literally half of that.
I immediately called the Credit Card company and told them the charge amount and so they credited me the amount of the over charge.
I than paid the amount the was actually agreed to.
After their investigation, they decided to put the double charge or overcharge back on.
I even connected with XXXX XXXX and they offered me a credit in that amount.
I did not make that charge or was over billed and no idea how that amount was able to transact.
I know for a fact that I did not sign for that amount.
My actual maximum balance I could charge was XXXX that alone was over that amount, how could that charge even go through?
I even paid the amount that I actually agreed to pay that resulted in a XXXX balance.
I then asked that they close down the account as it still had my maiden name on it as well and could not get them to remove or correct it.
I was upset and confused to then receive a bill back for the amount disputed.
I wrote to them, I called, I did everything I could do as a consumer to get this taken care of.
Meanwhile, they continued to charge fees and late charges and then finally closed it down.
Then on top of that and knowing there was an issue sent it to XXXX XXXX XXXX.
Ive asked them to send me my disputes that I have sent through to the company.
All they sent me was a bunch of Terms and Conditions.
They tell me via phone that this is all they need to send to me.
The charge now they want me to pay is XXXX in charges for a charge that was double the amount agreed to.
It has been several years now, and hoping for some guidance on what I can do to resolve this issue if possible.
Im hoping maybe if the CFPB looks into this than maybe one of them will be more apt to assist me in resolving this.
But because Ive never received anything from the original creditor except statements, Im not sure how I could have even report this to the authorities.
I need the evidence of the signatures and how this was able to be charged.
Especially a charge over my credit limit and a card not in my legal name.
Any help on this would be appreciated.
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
06/03/2022
Yes
Debt collection
I do not know
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
MO
64063
Web
Under the UCC, I have a right to request accounting. Please provide the original ledger and/or authenticated record for this alleged debt. Please provide the accounting or proof that you lent me anything. UCC 9-102 ( 7 ) states Authenticate '' means : ( A ) to sign ; or ( B ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process. UCC 9-102 ( 70 ) states Record '', except as used in " for record '', " of record '', " record or legal title '', and " record owner '', means information that is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form. You are required to send all documentary evidence. 15 USC 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Please provide verification of the claim against me. This means a sworn affidavit or a hand signed invoice in accordance with the UCC. This debt is listed as a charge off on my consumer report.
Please provide a 1099c for this alleged debt. The IRS says that charged off debt is ordinary reportable income to the alleged debtor. If you refuse to do this, I will file a 1099c complaint which would then initiate them to file a form 4681 as well as a 3949-A Corporate Tax Fraud complaint and contact you. Charge offs are not debt. You have also used my consumer report as a form of punishment and bringing harm to me by reporting this fraudulent account on my consumer report. That is aggravated identity theft. 18 USC 894 ( a ) ( 1 ) and 18 USC 894 ( a ) ( 2 ) states : Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I have sent you a cease and desist letter as well. You continue to violate that federal law as well. You are still communicating indirectly through my consumer report. According to 15 USC 1692c you are prohibited from communicating with me. Please know that I have every intent to file suit if this is not resolved within 15 days. You have repeatedly violated my consumer rights. There is no law stating I have to send you a police report signed by a notary. Again, I will not hesitate to file a suit if you continue to break Federal Law and violate my rights.
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
024XX
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.
03/05/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
FL
32258
Web
Comenity Capital Bank, which issues the XXXX store credit card, had an account listed on my credit report that was fraudulently opened in my name. On XXXX, I received a letter from Comenity Capital stating their investigation determined the account was indeed fraud and they would send a letter to me and to all 3 credit bureaus stating this account needs to be removed from my reports as it is fraud. Comenity Bank confirmed my account was closed and also stated there is a credit balance of {$82.00} that will be issued in the form of a check and mailed to me within a week to bring the balance to {$0.00}. I received the check. I also mailed a copy of this letter to all credit bureaus to ensure they received it as this account is derogatory and negatively impacting my credit.
On XXXX, I called XXXX at XXXX, as I noticed this account was still appearing on my credit report and was showing inaccurate account information from XX/XX/2022, never properly investigating initially clearly, leaving the date verified space blank. XXXX advised me to call XXXX even though XXXX confirmed they had the letter from Comenity in my file to remove the account?! And didnt?! XXXX inaccurate information being reported for this account are 1 ) they report it as open 2 ) they report as having never been disputed 3 ) reporting a balance owed of {$250.00} 4 ) reporting the past due amount of {$64.00} 5 ) charge amount in the high column is credit limit.
On XXXX I called the Account Protection Team at Comenity Capital Bank at XXXX, and spoke to XXXX re : the account still appearing on reports and account information not being updated, again causing huge consequences for credit dropping due to no fault of my own. She reviewed my account and confirmed the account was closed and the balance was {$0.00}, but said couldnt do anything or send anything over to the bureaus at this point to update the inaccurate info that was being reported. She referred me back to XXXX and advised me to open a dispute with them, then they would verify with them and the account would be updated. First, no I already did this, and didnt happen. Second, that is absolutely not the responsibility of anyone else but Comenity to report and provide accurate information, and not only did they not, but they refused to take the steps needed to ensure the bureaus were accurate. Instead, it was blamed on the bureaus.
I am including the letter that was mailed to me and sent to the bureaus stating to remove this account as it is fraud.
12/29/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
TX
78154
Web
In XXXX of XXXX, I received a statement for my bill cycle stating that my remaining balance was {$380.00} and my next minimum payment of {$29.00} was not due until XX/XX/XXXX. So, on XX/XX/XXXX I made a payment of {$380.00} to pay off my account. This payment was made successfully and accepted by Comenity before the end of the billing cycle. However, Comenity still charged me interest on the account stating they charge residual interest and that due to me paying my XXXX balance with a minimum payment the leftover balance from that billing cycle accrued the residual interest which was not tacked onto my statement until XXXX. The issue with this is that this information was not made transparent to me in my billing statement. So, after paying the balance in full in XXXX I anticipated that there would not be any future payments to be made on this account since my payment of {$380.00} had gone through and my balance was {$0.00}. With this understanding in mind, I did not notice the {$5.00} charge for residual interest, and this caused a late payment to occur on my account when I have never missed a payment on any of my accounts. If interest occurs in XXXX, it should be stated on the following billing statement, XXXX. Not two billing cycles later in XXXX. I would have paid the balance easily had this information been made apparent to me in a timely manner however Comenity took interest accrued from XXXX and did not post this amount to my statement until XXXX. After, I made the full balance remaining payment in XXXX. I have since tried to reach out to Comenity however their customer service representatives intentionally place me on hold for over 30 minutes at a time and then drop my call because they do not want me to speak with a manager. They are harsh and unprofessional often laughing callously at me for asking questions about my account details. They are argumentative and refuse to disclose to me their employee ID numbers so that I can not make official complaints against them. This blatant disregard for the laws of transparency within financial institutions shows mishandling of their fiduciary responsibility to consumers like me who pay bills on time or early consistently in order to maintain good standing with the credit bureaus. I feel sabotaged by this company and a massive breach of ethics has been made. As such I please ask that an investigation be conducted in order to ensure that the handling of my and other individual 's accounts is not being subjected to fraud.
11/14/2022
Yes
Checking or savings account
Savings account
Closing an account
Funds not received from closed account
VA
226XX
Web
On XX/XX/XXXX, I deposited {$100000.00} into Bread Financial to start a new account. On XX/XX/XXXX, I attempted to access the account online. I could not do so. I called customer service and worked for approximately 1.5 hours on attempting to access the account and could not gain access. The rep stated " well, just try tomorrow ''. After ending the call, I felt very uncomfortable. I called customer service again and requested that the account be closed and the money refunded to the originating account. The rep stated that would happen in 3-5 days.
On XX/XX/XXXX, the account was still not closed nor the money refunded. That day, I received a letter from Bread stated my account had been suspended and to get into my account, I would need to provide government ID, a bank statement from the originating bank, and my social security card. I submitted those items on XX/XX/XXXX and requested an immediate refund of my deposit to the originating account. I also spoke to a rep that day who again stated that the money would be refunded in XXXX business days.
On XX/XX/XXXX I still did not have my money. I again called Bread. I spoke to 3 different representatives in Account Protection. " XXXX '' told me that all deposits are held for 30 days and I would get my money on XX/XX/XXXX. I stated I had no documentation stating that is the case and I wanted my money today. She passed me to XXXX who stated that the " executives '' needed time to do an account review and that is why my account has not been closed and my money returned to my originating account. She stated there is a transfer in the system for XX/XX/XXXX. I then called again and spoke to " XXXX '' who again stated the money would be transferred on Monday XX/XX/XXXX and to call at XXXX am if the money did not show up in the originating account.
On Monday, XX/XX/XXXX, the money was not in my originating account. I called and again spoke to XXXX. She stated the account is in the process of being closed and I should have the money by Thursday. I asked to speak to somebody up the chain and she stated there was nobody else with whom to speak.
I have no idea how you get from " transfer is scheduled '' to " account being closed ''. I have no idea why the money is being held-now for over 30 days. I have no confidence that my money will be in my account any time soon. I get multiple stories when I call about the situation and I feel as if Bread has stolen {$100000.00} from me and feel quite powerless to get any information.
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
902XX
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.
07/06/2023
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
PA
17603
Web
In XX/XX/XXXX I discovered an inaccurate report on my credit report while applying for a mortgage. This error has resulted in a denial which has adversely affected me financially and made it impossible to secure suitable housing.
I contacted the creditor, Comenity Bank, directly via their XXXX number. They were unable to provide any details as they showed the account closed and sold to a 3rd party collection company, XXXX XXXX.
I then contacted XXXX XXXX for details about this account as I had no recollection of opening a credit card with Comenity Bank. They too had limited information and referred me back to Comenity Bank.
After numerous calls with supervisors at Community Bank I was able to ascertain the purported debt is from a My BJ 's membership card which I never authorized. Without my knowledge this card was opened despite me paying cash for my purchase at the retail outlet with my a free trial membership. An automatic BJ 's membership was charged to the card. I never received the physical card. I never activated the physical card. I never received any bills or statements. Without my knowledge and consent this account was created and an automatic {$59.00} membership fee was assessed. Nothing else was ever billed to this account. The {$59.00} fee ballooned to a {$340.00} credit charge off on my report and a secondary collection from XXXX XXXX.
On XX/XX/XXXX I sent a certified letter to Comenity Bank addressed to the Clerk of Records asking for this to be investigated and resolved. To this date, I have not received any response.
After not hearing back, I sent a simliar letter to XXXX XXXX who opened their own investigation. On XX/XX/XXXX, XXXX XXXX mailed a letter stating they couldn't substantiate the debt and they have ceased collections considering this a closed matter. They immediately deleted all records of their collection activity from my credit report.
However, the charge off was still showing on my report with a balance from Comenity Bank. I then proceed with another letter to Comentiy and this time all three credit bureaus. Once again, I received no response from Comenity Bank but the three credit reports did update the reporting balance from {$340.00} to {$0.00} keeping the charge off as verified. The charge off status is completely inaccurate and is still preventing me from securing a mortgage six months after my initial attempt.
I have exhausted all resources in attempting to resolve this with Comenity Bank and the credit bureaus.
07/25/2023
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
CA
XXXXX
Web
Servicemember
ComenityCapital Credit Card Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Removal of Fraudulent Ikea Credit Card from My Profile Dear Sir/Madam, I hope this letter finds you well. I am writing to address a serious issue regarding my credit profile with ComenityCapital. It has come to my attention that there is an Ikea credit card listed on my profile that is fraudulent and was not initiated or authorized by me. I kindly request the immediate removal of this card from my profile as it is negatively impacting my creditworthiness.
I would like to inform you that I have taken the necessary actions to rectify this issue promptly. Firstly, I have filed a police report for this fraudulent activity, providing all relevant details in an effort to hold the responsible parties accountable. Additionally, I have registered an official complaint with the Federal Trade Commission ( FTC ) regarding this matter.
As you are aware, the Fair Credit Reporting Act ( FCRA ) ensures the accuracy, fairness, and privacy of consumer information. Furthermore, it empowers consumers to dispute any inaccurate information on their credit reports. Section 611 ( a ) ( 1 ) ( A ) specifically states that credit reporting agencies must promptly remove information upon notification of fraudulent activity. Given the fraudulent nature of the Ikea credit card on my profile, I kindly request immediate action to comply with the law and remove this item.
I have attached copies of the police report and the FTC complaint for your reference and records. Please acknowledge receipt of these documents and inform me of the steps you have taken to investigate and resolve this matter. It is imperative that this issue is resolved quickly to prevent any further damage to my creditworthiness.
I request that you provide written confirmation of the removal of the fraudulent Ikea credit card from my profile within 30 days from the date of this letter. Failure to address this matter promptly and accurately may result in further action being taken, including the involvement of legal counsel to protect my rights as a consumer.
I appreciate your immediate attention to this matter and look forward to your prompt response. Should you require any further documentation or information, please do not hesitate to contact me at the above-mentioned phone number or email address.
Thank you for your prompt resolution of this issue and for ensuring the accuracy and integrity of my credit profile.
Sincerely, XXXX XXXX
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.
09/18/2023
Yes
Credit 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
321XX
Web
Older American
I have had nothing but problems with payment on your account, the issue appearing to be on your end. The last 3 times I have paid my bill in full through my XXXX XXXX bill pay, you call me stating you did not receive payment. Then I get bills showing two payments received and one returned. The last time this happened, I closed the account.
My phone log indicates I called you at XXXX XXXX on XX/XX/XXXXXXXX for the first issue ; at XXXX XXXX. on XX/XX/XXXXXXXX for the second, and this last purchase indicates calls from me to you on XXXX, XX/XX/XXXX, at XXXX XXXX., follow up calls on Tuesday, XX/XX/XXXX, at XXXX XXXX, XX/XX/XXXX at XXXX XXXX., and today, XX/XX/XXXX at XXXX XXXX.
Name : XXXX XXXX XXXX Account # : XXXX Dollar Amount : {$62.00} Description of Problem : This last purchase, I received the bill for {$220.00} and processed the payment through my XXXX XXXX bill pay with payment being mailed XX/XX/XXXX.
I received a call XX/XX/XXXXXXXX stating payment had not been received. I was moving that day and did not have access to my info.
I called back on XX/XX/XXXXXXXX and made a payment by phone for {$220.00} and I called the bank to stop payment ( however, it had cleared the bank ).
I then received my bill ending XX/XX/XXXXXXXX indicating my original payment was posted by you on XX/XX/XXXXXXXX and charging me a {$30.00} late fee.
I called XX/XX/XXXXXXXX contesting this late fee. However, I was told that I had a credit of {$190.00}. I requested a refund of that credit and was told it would happen within a 30-day period.
I then received my statement ending XXXX XX/XX/XXXXXXXX indicating payment of {$220.00} received XX/XX/XXXX, and returned payment of {$220.00} on the same XX/XX/XXXX. The statement then indicates a returned check charge dated XX/XX/XXXX and a minimum interest charge of {$2.00}. There should be no charge as I was advised on XX/XX/XXXXXXXX that I had a credit of {$190.00}. Therefore, there is no interest to be charged. And the fact that you hit me up, yet again, for a duplicate payment by phone, and then have to refund it should not cost me anything. I contest these charges. I requested you to close the account in XXXX because of the shenanigans with the processing of payments.
Please reverse all charges for returned payment and late fees as they are not due to my lack of response, but rather your mishandling or inability to timely process payments. I further demand that all negative reporting to credit unions be removed
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
XXXXX
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.
07/08/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
FL
33543
Web
Servicemember
This has been going on since XX/XX/2022, 3 cards were opened with my information when I opened a XXXXXXXX XXXX XXXXXXXX account, my information was stolen, 2 of the cards did their research, XXXX and XXXX credit and they showed stuff sent to my address as well, but packages get stolen in our community every day, it's always happening. Comenidy Bank is the only one who refuses to delete this fraudulant account from my credit, I called them and reported the fraud as soon as I found out it was another account that I didn't open, I have spoken to numerous people in their fraud department over the past year and I am sick of fighting with them, again this is NOT my account, I did not purchase anything on this card. They continue to add interest to the account which is on my credit report, I have enough credit cards, if I wanted something I'd purchase on those, I want this fraud dropped from my account!! I have worked hard with the cards I have to raise my credit score and this account that is fraud needs to be deleted, Ive spoke to XXXX in the fraud unit, he did nothing, I spoke with a XXXX he said he got it fixed, I spoke to XXXX who said they had just had a system update or change and it was a glitch and boxes weren't checked and things weren't done correctly to my fraud account, then after he said it was fixed and noted, I also spoke to XXXX a few times she tried to get me thru to fraud dept, because they never answer, we had no luck either so I spoke to a supervisor XXXX I think her name was and she told me not to worry it was taken care of, but it still hasn't, The company is not listening to what I've been reporting to them for over a year, I NEVER USED OR APPLIED FOR YOUR XXXX CARD I HAVE PLENTY OF MY OWN DELETE FROM MY ACCOUNT ITS FRAUDULENT I am sick of fighting with this company I never received ANYTHING from this place nor did I ever apply for this card I have plenty of my own I don't need anymore and this was reported by me because I found it after we found the XXXX one with someone with my name address and email on XXXX my son had sent me money and it went to that lady, she had all my information and thats when I looked up my credit report to find the XXXX credit and this XXXX bank card was applied for and I called that date to report it, and here I am a year later ONLY fighting with YOUR BANK, ridiculous I NEVER APPLIED FOR THIS ITS FRAUD DELETE FROM MY CREDIT REPORT AND LEAVE ME ALONE!!! ITS FRAUD I NEVER OPENED ANYTHING WITH THIS BANK,!!!!
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
08/26/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
FL
346XX
Web
Credit card companies should be officially REQUIRED to show upfront what your " Minimum Payment to Avoid Interest Charges '' is on each month 's statement for your credit card bill, as well as on their online payment page, and not just in small print on the last page of your statement. It should be easy and obvious to see what that payment amount is, and you should not have to try to calculate that amount yourself. // The problem is that when you take advantage of those frequent credit card " balance transfer '' offers, some of the offers have required monthly minimum payments, and some of the offers do not. So if you take advantage of a credit card balance transfer offer, your required " Minimum Payment to Avoid Interest Charges '' may be different from your " Minimum Payment to Avoid a Late Fee, '' as well as different from your " Total Purchases on This Statement. '' // In my case, Commenity Bank only shows my minimum required payment on my " 0 % Balance Transfer Offer '' on the middle or last page of each statement, and only in small print in a column listed as " Details of Your Plans : Plan Minimum. '' Which means that I can only figure out what to pay to avoid an interest charge on my statement as a result of my " 0 % Offer '' by adding all of my purchases for that statement AND my balance transfer offer " Plan Minimum, '' which is not the same as what is listed as my " Statement Balance '' or my " Minimum Payment Due. '' // The funny thing is that on my last statement they changed my " Plan Minimum '' to Zero for that statement ( accidentally, I think ), but then charged me a small interest charge even though I paid more than the total of all of my purchases for that statement. I believe they will correct my charge, since the error was theirs, but it irked me that I should even have to the perform the calculation myself. // Since the company already knows for each of your statements what your " Minimum Payment to Avoid Interest Charges '' is, they should be required to provide it to you very clearly on both your written statement front page, in the same location as " Minimum Payment Due, '' and on their online payment page. I had thought that that was part of the most recent laws governing the credit card companies, but a representative at Commenity just told me that that was not the case. I would also appreciate knowing how to get this included in the laws governing the credit card companies, as I believe that this would help all consumers.
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.
12/14/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
IN
46256
Web
I bought tickets to FL from XXXX XXXX on XXXX on XX/XX/XXXX found out that the relatives place I was going to stay at was destroyed by the hurricane. I tried contacting XXXX on their chat service. There was a 45 minute wait, but after 30 minutes they disconnected me from their chat! I tried again, 2nd time it was over an hour wait, and again it disconnected me from their chat after 30 minutes.
I filed a chargeback with my credit card on XX/XX/XXXX for the {$330.00} since I was not able to contact XXXX XXXX to request a refund. I feel I made more than a reasonable attempt but their own systems kept disconnecting me, making it impossible to contact them. Guessing the hurricane swamped their staff and they didnt hire any more staff to assist.
Then on XX/XX/XXXX my credit card was canceled with no notice to me. I had received a letter saying a new bank, Comenity, would be taking it over, but I never received any other info nor did I receive any new cards. This caused some major issues for me since I had to go out of town the next day.
On XX/XX/XXXX I mailed XXXXComenity a payment for XXXX along with a letter explaining the chargeback, since I was concerned that the chargeback info might not have been transferred from XXXX to Comenity. I stapled my check to the letter to make absolutely sure someone would have to see the letter.
This check was cashed on XX/XX/XXXX. I had another small payment to make to Comenity the next month for {$83.00} which paid all my remaining charges in full except for the charged back XXXX tickets.
On XX/XX/XXXX I received another statement from Comenity. They have taken NO action on my chargeback for two months, despite being notified of the chargeback.
In addition they have charged me a {$25.00} late fee on the amount Ive had in dispute for them for two months. I thought they werent supposed to be able to do that for charges that are currently under dispute?
When Comenity took over the XXXX credit card service from XXXX XXXX XXXX, it was a complete mess. I called their customer service line on XX/XX/XXXX and it was obvious they had people answering the phones that had no training at all and were fielding calls from all the people whose cards had been canceled with no notice. Every question I asked the rep, he had to ask his supervisor. I have not attempted to call them again because they didnt have anyone who could really help customers the last time I called and I didnt see that situation getting any better.
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
221XX
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.
10/31/2022
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
117XX
Web
I am writing in reference to my two accounts from Comenity Bank regarding my BJs credit card account.
I was sent a new credit card for my BJs reward account in XXXX of this year. I was a little confused as my original card was not expired or expiring. I called to activate the new card and disposed of the old one. At this time, I had a balance on my account of {$2000.00}. When I received my first statement after this, I saw that I had a balance of {$4100.00}. I was confused as I had not charged anything on my card, so I called the company. At this time, I was told that I had a credit of XXXX on my old account number even though I was being charged the same amount on my new account number. I inquired about having the charge reversed so that I would just owe the original {$2000.00} but on my new account number. I was assured that this would take place and I thought I would just have the balance that I owed on my new card. It seemed from these transactions that somehow within your company, people transferred my balance from the original account to the new account, but did it twice. So that is why I had double the amount of money owed even though I never charged this amount.
However, fast forward to now, and I received another statement but this time with another charge for {$2000.00} ( this being twice I have been charged this amount added to my original balance ). This brought my new balance owed to {$6700.00}!! Again, I only should owe the original {$2000.00} at this point. The only other charge that I made over the last few months was for {$360.00} to XXXX XXXX XXXX. So, the only balance I should have on either account should be {$2400.00}. At this time, I had also been charged interest on this fraudulent amount and was given a late charge, even though I had automatic payments set up with my original account. I never asked for a new account and when I was given a new card, the two cards were not linked in my account.
At this time, I still have a balance on my card of {$6700.00} even though I only should owe {$2400.00}. The company keeps telling me that " they are investigating the matter '' but during this time, they are charging me interest and late fees on this astronomical amount that I didn't even charge! Something went wrong internally in their company when they were trying to issue me a new card and now they are fraudulently charging me extra balances. I am asking for this to be resolved and for my original balance to be restored.
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
02/17/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
PA
184XX
Web
Older American
XXXX XXXX XXXX Credit Card Comenity Capital Bank, XXXX XXXX XXXX, XXXX, XXXX XXXX above receives payments at : Comenity - XXXX Credit Card XXXX XXXX XXXX XXXX, XXXX, TX, XXXX I spent {$200.00} in XXXX XXXX XXXX XXXX XXXX, XXXX in early XX/XX/XXXX. I was encouraged by the clerks to use XXXX XXXX store credit card to get discounts on purchases for my Great grandkids at XXXX. I did not have the XXXX credit card card with me. No worries clerk says, she will look it up on computer.
I received XXXX bill in the mail, wrote immediately my check # XXXX for entire balance of {$200.00} and placed in XXXX, XXXX XXXX XXXX box myself on XX/XX/XXXX. The due date was XX/XX/XXXX, fully 1 week later. They claim it was not received, but my checking account shows it was paid XX/XX/XXXX. Clearly there is a possibility it was there on time, as Comenity has some processing time to open mail and submit a check for payment.
In XXXX, I received another bill for a {$29.00} late payment, as Comenity claimed receipt of payment in full was on XX/XX/XXXX, not XX/XX/XXXX. I wrote another check for {$29.00} and mailed it on XX/XX/XXXX at the XXXXXXXX XXXX XXXX XXXX myself. Again, the bill was due XX/XX/XXXX and I mailed the check 10 days before the due date. On XX/XX/XXXX, Comenity, ON THE DATE DUE, printed a bill notifying no payment received and charged an additional fee of {$30.00} added it to the {$29.00} ( which was in transit ) for an immediate payment due of {$59.00}.
Not surprising to myself, Comenity processed my payment of {$29.00} on XX/XX/XXXX now 23 days after I placed it in the mail. I suspect that it was at the correct location on time as I mailed it 10 days before date it was due.
Today, I gave up. I called Comenity and gave them permission to draft my bank account over the phone just to get out of this SCAM. The amount I owed was {$66.00} to pay account off in full. I have paid {$95.00} in fees. Of course, I closed the account with Comenity. I do not trust this will occur, as it was over the phone and this bank seems to take every opportunity to avoid documentation of payments received.
I am reporting Comenity Capital Bank for unfair business practices. I believe that Comenity intentionally delays receipt of payment to generate fees it does not deserve. I believe that it deliberately blames the XXXX XXXX XXXX for Comenitys business practice of insufficient staff to process PAPER checks. I demand that Comenity refund me {$99.00} in unjust fees.
06/08/2023
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
33147
Web
I hereby lodge a formal complaint against Comenity Bank and XXXX XXXX for practices that I assert violate the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My understanding, in accordance with the agreement I signed with Comenity Bank, was that all disputes pertaining to my account would be settled via arbitration. However, to my dismay and without my permission or involvement in any arbitration process, Comenity Bank assigned my loan to XXXX XXXX, a collection agency. Their subsequent response confirmed my suspicions ; they no longer held the debt, which had been passed on to a collection agency. I contend that this act not only breaches our contract but also infringes my rights as a consumer.
Upon discovering this issue, I promptly reached out to Comenity Bank, expressing my intention to resolve the debt directly with them. Yet, despite my eagerness to do so, Comenity Bank declined my request to pull back the debt, which, in my opinion, was sold in an unlawful manner. Moreover, during this transaction, Comenity Bank disclosed my personal information to XXXX XXXX without my approval, an act I insist violates FCRA Section 604 ( a ) ( 3 ) ( F ), which mandates limits on the dissemination of consumer data absent a legitimate business necessity.
Subsequent to this acquisition, XXXX XXXX has subjected me to harassment, exerting pressure to collect the alleged debt. They have called my phone multiple times within work hours, even going as far as contacting my workplace directly. They went ahead and threatened to report the debt to credit agencies if I failed to comply. In order to halt further harassment and potential damage to my credit report, I reluctantly felt compelled to pay XXXX XXXX.
I firmly believe these actions contravene FDCPA Sections 806 ( 5 ), 805 ( a ) ( 1 ), and 807 ( 5 ), which respectively prohibit causing a telephone to ring or engaging in telephone conversation with the intent to harass ; communicating with a consumer regarding debt collection at their workplace ; and threatening to take an action that is either legally impossible or not intended to be pursued.
In view of these issues, I call upon the CFPB to delve into these matters and enact suitable measures to protect my consumer rights. I further implore Comenity Bank to erase this account from my credit report immediately, as I am convinced it was sold and reported to the collection agency in error.
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
480XX
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.
01/19/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
GA
30094
Web
Older American, Servicemember
I wish this to reflect that it is about Comenity XXXX XXXX. I have always paid this account on time every time. My bank sent a check to this credit card company to be received XXXX XXXX XXXX the XXXX on a bill that was due XXXX the XXXX. Thamount of {$22.00} was to pay the account in full. They claim they did not receive that chat which was due to be received by them XXXX the XXXX until 13 days later On XX/XX/XXXX. That just happened to be the closing date for them to mail out my statement. They arevthe only ones in control of honestly or fasely stating when they received payment. Apparently my check laid around their office until they decided to send out my statement. So I was charged {$22.00} plus {$2.00} interest For not having paid the bill by the XXXX period thus I'm being penalized {$24.00} for their tardiness in posting my my payment. It is UN reasonable that it took them 13 days to receive the check that was mailed by the bank. I have never had a payment be late when it was timely mail by my bank I contested this issue so I have been TEMPORARILY credited with this amount. However their letter of XX/XX/XXXX indicates if this issue is found in their favor ( which only they have control over, so of course they decide in their favor ) I will still owe this a mile plus interest and penalty for possibly up to 3 months, 90 days. if they say it will take them to " investigate ''. Therefore to avoid them coming back and Charging more money I tried to pay the {$22.00} contested. But they will not let me. Therefore at the end of this period I could owe them the {$22.00} + no telling what penalties they will add. They are In complete control and can say a payment sent by the bank takes 13 days to be received all the time. First time ever for me.Obviously this is an unfair business practice that if they do this to enough people, they could benefit quite handsomely. I believe more scrutiny should be made of this kind of billing practice that Prevents a person from not owing more than the contested amount. I am quite willing to pay it today if they will refund it when a decision is made. However they would not let me by phone and the online account will not let me. Then they can come back in 90 days and say I owe them more? They would not let me speak with anyone today to resolve this today, even with me making payment of the amount in dispute. So I have this hanging over my head for 90 days. As a patient in XXXX XXXX, I do not need this worry.
01/27/2023
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
CA
94112
Web
Older American
On XX/XX/XXXX I called the company, made a full payment of my remaining balance ( {$110.00} ) and told the representative that I wanted to close the account. I was told the account was now closed.
In XXXX I received a text message from the company stating I had a remaining balance of {$2.00}. I called the company and explained I had paid out the remaining balance and had closed out the account the month before. I was told the representative had made a mistake and left the account open, that the {$2.00} ( in interest charge of XXXX purchases and {$0.00} balance ) would be voided and the account would be closed.
On XX/XX/XXXX I received once again another text message stating I now have a balance of {$66.00} ( continued interest charges on XXXX purchases and {$0.00} balance, plus late fees ). I called once again, asked to speak to a supervisor since this was the second time the account had not been closed. I spoke with supervisor XXXX # XXXX ( XX/XX/XXXX at XXXX XXXX ) and tried to explain the situation, and my multiple attempts to close out the account. The supervisor was extremely rude and disrespectful. He stated they wouldn't close out the account until I paid the {$66.00} in fees, and that I had no choice but to pay the fees because that is what the computer shows I owe.
I have now received multiple calls from different individuals stating they are from collections attempting to collect the {$66.00} debt. I do not understand how the account has been sent to collections if the account remains open with the company still acquiring fees.
It is unethical and against the law for the account to have remained open after I requested to close it, twice, and for the company to continue to charge me for an account I no longer agreed to keep open.
My daughter attempted to call for me on XX/XX/XXXX to see if she could resolve the issue before putting this complaint in, and was told there were no supervisors available for her to speak with and that the only think they could do is transfer her to a XXXX speaking representative ( since I only speak XXXX ).
Ive exhausted my ability to resolve directly with the company as their proposed solution has been for me to pay and still nothing guarantees they will actually close the account.
I would like the help of CFPB in resolving this matter before having to search for an attorney. I would also like for other people to be aware of the companies ethics and lack of respectful customer service.
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.
01/05/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
GA
30044
Web
XXXX, I was charged a returned payment fee of {$30.00} on XX/XX/XXXX even though autopayment had been set up in its system.
XXXX, They later explained that they denied the autopayment because they do not accept autopayment from a savings account even though they never informed me during any of the steps of autopayment setup.
XXXX, The autopayment pay-from account was a Bread XXXX/ Comenity account, " a different department '' within the same institution, as their CS representative put it.
XXXX, There was never any way for me to find out the payment would not be made on time.
XXXX, They never informed me of the returned payment and the only way I found it out was through my water company whose payment they denied.
XXXX, On XX/XX/XXXX, when I found out the scheduled payment was not made, I immediately called them and set up autopayment again with a checking account, which I now knew they required, and paid off the entire balance, including the returned payment fee, and including balance not yet due, as they demanded.
XXXX, On that same phone call, they informed me they filed an escalation to get my returned payment fee back.
XXXX, I made XXXX phone calls on XX/XX/XXXX to find out what happened to the escalation filed and to explain in detail why I should not be held responsible of the returned payment.
XXXX, Neither of the representatives would answer any questions about the escalation filing ; they just repeated that the returned payment fee of {$30.00} would not be reimbursed.
XXXX, On the XX/XX/XXXX phone call, I was also informed that my account would be frozen for 15 days after the entire account balance is paid off.
XXXX, The payment finally went through on XX/XX/XXXX even though it was paid on XX/XX/XXXX and debited from the pay-from account on XX/XX/XXXX.
XXXX, Yet, XXXX days after the payment went through, a representative had to manually unfroze the account after a phone call from me.
XXXX, I opened this credit account after their aggressive mailed solicitations.
XXXX, It is a new company and their system is understandably full of problems and errors. But the real problem is that they do not take any responsibility for the defaults of their system and steadfastly refuse to do right by their wronged customers and make them whole.
XXXX, I just want to get my money back.
XXXX, After being stonewalled, I told them that I shall be forced to seek help from CFPB, and they coolly and immediately told me : " Go ahead! ''
08/10/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Improper use of your report
Reporting company used your report improperly
TN
XXXXX
Web
1.I have never had an account with this company COMENITY BANK/GOODYS XXXX XXXX REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK/GOODYS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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 : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 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.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( 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 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
06/28/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
FL
33068
Web
New information.
notice i claim harm by way of trespass and i a man privacy rights.
YOU BROKE THE LAW my rights these are my rights i am a man i know my rights my rights are if you do any wrong if you trespass by way of extortion in any way if you harm i or goes in care of i or the property of i if any harm to property or any undue exercise of power if you did that i will hold you accountable because i know my rights and i know how to express my rights and my law and i will file a claim on you and i will press my claim.
pursuant to 15 USC 1681 ( 4 ) XXXX XXXX you fail to comply with law, i a man did not consent to or authorize XXXX XXXX a man or woman to sell or transfer my personal and private financial information or data to ANY corporation or organization or affiliates. XXXX XXXX a man or a woman fail to provide or produce material documents or law to support his or her statement. See exhibit A Notice, it is a fact, claimant is aware, pursuant to 15 U.S. Code 6801 ( a ) i a man, has the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information, please be aware that this option was not presented to i a man which is a violation of law.
pursuant to 15 USC 1692b ( 2 ) i a man did not consent to or authorize XXXX XXXX or COMENITY BANK to furnish i a man personal or private financial information any unlawful or extortion or any undue exercise of power identified will result in a claim against you in federal court for violating i a man rights.
i a man is demanding that XXXX XXXX delete or remove ALL three ( 3 ) accounts listed below from my consumer report. if XXXX XXXX fail to comply with the law will result in a claim file against you for failure to comply with law.
accounts removed or deleted from my consumer report. see below account ending in ( XXXX ) account ending in ( XXXX ) account ending in XXXX, previously ending in XXXX Civil liability Notice, it is a fact, claimant is aware, negligence is neglecting requirements that should be known. i a man the claimant and consumer, made XXXX XXXX a man or a woman aware of, prior and continued failures of reasonable procedures as seen in Exhibit ( A ). i a man claimant has reason to believe and do so believes due to XXXX XXXX and COMENITY BANK unlawful or deceptive business practices, XXXX XXXX a man or woman actions are liable under 15 U.S. Code 1681o for the actual injuries caused to i a man, the consumer in fact.
regards, i a man
09/01/2021
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
PR
XXXXX
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.
11/16/2023
Yes
Credit card
Store credit card
Fees or interest
Charged too much interest
PA
173XX
Web
This complaint is against Comenity Bank with the Lane Bryant Credit Card.
I received my XX/XX/2023 statement for this card with a due date of XXXX for a balance of {$220.00}. On XXXX I paid the balance of {$220.00}. On XXXX, Comenity Bank erroneously charged me interest of {$4.00}. Since it is a store specific card, and I paid the balance, I had not logged back into the card until XX/XX/2023 when I went to make a purchase and my card would not work. I messaged the customer care department and they told me my credit limit was reduced ( from {$300.00} to {$100.00} ) because I was late on my payment. I never received mail, and email, a phone call, or anything from Comenity Bank telling me my balance that I didnt even think that I had was overdue.
The credit card statement I receive each month states the following : HOW TO AVOID PAYING INTEREST. 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**.
My due date was XXXX, and my balance was paid in full on XXXX.
They have also since then assessed fees and interest charges, totaling my now balance they are saying I owe of {$23.00} as of XX/XX/2023.
I have been going back and forth with them now since XXXX regarding this. I dont care about the credit card, I asked them to close it out, but my issue is they are trying to say I owe interest I do not owe. I have requested several times even to attempt to settle out the account and be done with it to pay the {$4.00} that I should not even owe if they would refund the fees so we can be done with it and they refuse. I dont think I should even owe the XXXX, as their own terms state that they will not charge me interest if i pay my entire balance by the due date of each month, and my entire balance was paid by the due date of the month.
everytime i bring this up to them, they just send me the same message that i was charged interest on XXXX of XXXX, and completely dismiss the fact that the interest should not have been charged on XXXX because they received payment in full on XXXX.
Please help me, because this is very frustrating. I shouldnt even have to have had to close the card out and do all this. I have had this card for years, usually use it seasonally then pay the balance off in full and then the next season do the same thing again, as i am seasonally shopping for clothing items.
thank you for your help.
03/28/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Incorrect information on your report
Information belongs to someone else
TN
XXXXX
Web
XXXX.I have never had an account with this company COMENITY CAPITAL BANK , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY CAPITAL BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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 : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 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.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( 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 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
02/14/2023
Yes
Payday loan, title loan, or personal loan
Installment loan
Problem with additional add-on products or services
GA
30213
Web
A line of credit was set up without my authorization by XXXXXXXX XXXX XXXX with : Comenity Capital Bank XXXX XXXX XXXX XXXX OH XXXX Im writing to dispute the entire accounts existence. When I contacted XXXX XXXX XXXX about a medically necessary procedure on XX/XX/2022, I was told I could get a line of credit to pay for all of the procedures I needed. I was told my insurance would not cover {$5000.00} of the charges. At that time, XXXX XXXX requested my social security number to conduct a soft credit check to see if I qualified. She told me I did and that I would get documents to set up the line of credit. She also stated I would be billed for everything after the procedures were completed. My first procedure was scheduled for XX/XX/2022. I never received any creditor paperwork or contact, credit card, nor did I complete any application or sign off on a line of credit. I didnt even intend to use a line of credit if I was able to pay for everything with my XXXX XXXX
I received a letter in the mail from Comenity that I assumed were the credit application documents. When I opened it on XX/XX/XXXX, I was shocked to see that it was a bill due XX/XX/XXXX. It showed a charge of {$5000.00} that was billed before I even went for my first scheduled procedure on XX/XX/2022. I attempted to pay this bill on XX/XX/2022 using my XXXX debit card as I didnt want any late fees or anything to negatively impact my credit score. That was a Sunday and I intended to call and question the company about this account that following Monday. Unfortunately, I ended up going to the XXXX that night due to complications from the procedure that was performed. At the hospital they informed me the procedure wasnt performed correctly, I was admitted to the hospital, and had to get the procedure done again. I remained in the hospital for almost a month in recovery and have been in home recovery since. While in the hospital I received a collections call on or around XX/XX/2022 from Comenity. At that time I disputed the account and all charges. I was told by the rep that it was not uncommon for an unauthorized account to be set up, and she put the entire account in dispute. I later contacted XXXX at XXXX XXXXXXXX XXXX because the charges should have first been sent to my insurance company. She agreed to bill them and told me that I wasnt billed for all of the procedures. To date, they have not responded to requests from me or my insurance company for a bill breakdown.
08/13/2022
Yes
Checking or savings account
Savings account
Managing an account
Funds not handled or disbursed as instructed
NJ
07047
Web
Please note that this is not a duplicate complaint. This is regarding a different issue Bread Savings bank failed to follow the instructions for doing an ACH transfer and they try to steal the interest for their own internal decision making a delays. They declined to do a wire transfer for me and their website does not allow outgoing ACH transfers over $ XXXX. The only option is to call them and " request '' for an outgoing transfer if the amount is over $ XXXX. So here is what happened on a recorded line on Friday XX/XX/XXXX. This request was handled by XXXX. I was told that it would take 1 to 2 business days for them to process my phone request and they may either allow or deny the transfer. If it is allowed it will take another few business days to then do the transfer and for the funds to reach the destination account. I told him very clearly at least a few times that I do not want to initiate the transfer today and I would like me request to be submitted for Monday XX/XX/XXXX ( I do not want to lose the interest over the weekend ). He said if he sets up he request for Monday, they will tell me by either Tue or Wed if they are going to allow that transfer or not and if allowed funds will reach my other on Friday. He confirmed and sent me a secure message saying that he is setting up the request so that they will start processing it on Monday XX/XX/XXXX and nothing will happen before that. I have attached a proof of that.
But to my surprise, when I logged in into my account later on, I saw that the funds had already been deducted from the account a few minutes after the call and the Current Balance was showing the amount after the deduction even though XXXX had assured me repeatedly on a recorded line and over a secure message that nothing is going to happen before Monday XX/XX/XXXX.
So the current situation is that I have received no communication about the status of the transfer, dont even know if they will approve it or not. They already rejected a request to do a wire transfer. But they have went already gone ahead deducted the amount from my current balance and stopped paying interest on that.
So XXXX things wrong here - why does the deduction show up on XX/XX/XXXX itself when the request was for to not even initiate anything before XX/XX/XXXX- why they deduct the amount and stop paying interest when the customer doesnt even know that they are going to allow the ACH transfer or not This whole thing sounds like a scam
08/10/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Improper use of your report
Reporting company used your report improperly
TN
XXXXX
Web
1.I have never had an account with this company CB/LNBRYANT XXXX* , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK/LNBRYANT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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 : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 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.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( 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 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
10/04/2019
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
604XX
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
08/10/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Improper use of your report
Reporting company used your report improperly
TN
XXXXX
Web
1.I have never had an account with this company CCB/ALPCOS XXXX XXXX REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY CAPITAL BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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 : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 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.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( 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 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
10/14/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Improper use of your report
Reporting company used your report improperly
TN
37421
Web
1.I have never had an account with this company CB/TORRID XXXX XXXX REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK/TORRID the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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 : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 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.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( 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 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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.
12/08/2022
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
850XX
Web
I disputed transaction on XXXX for {$4500.00} on XXXX. I have canceled this scheduled service and have reached out to the company for a refund. They have not responded nor have I been issued a refund. No service was rendered. I called to dispute and was told a dispute was initiated on XX/XX/XXXX and I was told the agent ID XXXX worked my account, but the dispute was closed on the same day of initiation by the contact rep. The agent I spoke with on XX/XX/XXXX says the dispute was initiated correctly but the same day they sent a letter to me requesting more info ( ref no. XXXX ) they closed the dispute noting that the company needed the reason for the dispute on XX/XX/XXXX and this agent identified as XXXX. To be clear I provided them with all of the details relative to the dispute over the phone. Per the rep I spoke with on XXXX this was done incorrectly and the dispute is rarely if ever closed on the same day. He believes there was an error and that the dispute was closed prior to the dispute being worked by the dispute department. My dispute was never investigated, they never reached out to the company to verify cancelation of services, or try to verify any of the data I had given them over the phone. I was further told that the reps could not initiate another dispute, because we are now 60 days outside of the transaction date. The rep also told me they have no record or document of my response to their request for more information which was sent in mid XXXX. I was told to go online to file a dispute, however there is no option for an online dispute. I was told to use the secure message portal to send a message, however the portal is not allowing my message to go through. I have to write another letter and send it registered mail to ensure they handle this properly. The company appears to be grossly negligent with their Reg E processing, making it extremely difficult for the consumer to be able to file a dispute, and follow up on a dispute or may contact with that department. I continue to receive calls from their collection department because my account is now showing delinquent, and they never issued a provisional credit nor did they conduct any type of due diligence to ensure my dispute was investigated, or put any holds on my account to cease collections or contact to collect while this was being investigated. Please help me resolve this issue as this is grossly negligent for a financial institution of this size.
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.
05/14/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
OK
74135
Web
On XX/XX/2023, I received an email from my cable provider ( XXXX ), that my automatic payment to XXXX XXXX XXXX XXXX XXXX XXXX ( issued by Comenity Bank, bread financial ) had failed. On XX/XX/2023, I called the XXXX XXXX XXXX XXXX XXXX customer service number. I learned that my card was canceled due to suspicious activity, and that I would be receiving a new card with an explanation in the mail. On XX/XX/2023, I received the new card, but there was no explanation.
Again, I called the XXXX customer service number, to ask why my card was cancelled, and also to inquire about receiving a payment for my points. I was then told that my points had been redeemed on XX/XX/2023, and that the suspicious activity involved a change of email address on my account, and that theyd make a note of the missing points ( {$23.00} ) and a supervisor would call me in 10-15 business days.
Then, on XX/XX/2023, I received a letter from my cable provider that I was being charged a {$25.00} returned payment fee. I again called XXXX XXXX XXXX XXXX customer service and asked if they would cover my late payment fee. I got a very rude customer service representative, who told me they would not cover the fee, because the fee was on their card. Obviously, when I received the automatic payment failure notice from the cable company, I immediately paid my bill with another credit card, because it was due and I did not want to incur late charges. Unbeknownst to me, my XXXX XXXX XXXX XXXX was cancelled approximately a week earlier, and I was without their card until I received the new one approximately XXXX weeks, later.
On XX/XX/2023, I again called XXXX XXXX XXXX XXXX customer service to inquire whether they would cover my XXXX cable {$25.00} late fee, and they said No Do banks not have cyber security insurance? I use a credit card for protection.
In addition, I still have not heard back from a manager on the missing rewards points on this card.
I posted on my XXXX page, and XXXX of my friends said she also had this XXXX XXXX, and she also found out it was canceled when it got declined while trying to purchase gasoline.
It sounds as if Comenity had a widespread hacking ( theft of rewards points ) issue, and cancelled and replaced a large number of XXXX XXXX XXXX XXXX XXXX, without notifying the card holders.
However, they are not covering cost incurred by the card holders for transactions failures due to the sudden cancellation of the cards.
08/10/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Improper use of your report
Reporting company used your report improperly
TN
XXXXX
Web
1.I have never had an account with this company CB/NY & CO XXXX , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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 : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 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.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( 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 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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.
03/28/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Incorrect information on your report
Information belongs to someone else
TN
XXXXX
Web
1.I have never had an account with this company COMENITY BANK , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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 : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 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.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( 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 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
03/27/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Incorrect information on your report
Information belongs to someone else
TN
37129
Web
1.I have never had an account with this company Comenity Bank , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Comenity Bank the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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 : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 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.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( 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 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
03/16/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Incorrect information on your report
Information belongs to someone else
MI
48221
Web
1.I have never had an account with this company COMENITY BANK , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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 : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 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.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( 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 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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.
11/16/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
WA
98373
Web
Servicemember
Comenity Credit Card ( XXXX Rewards ) MISLED ME, abused me, and put me through financial hardship by neglecting full dusclosure! On XXXX I reached out to the credit card about being defrauded XXXX $ from XXXX XXXX. Since day XXXX, I have told them about what happened. THEY NEGLECTED to tell me a THING about my account being blocked AFTER they got the defrauded {$980.00} back!
I have ben transparent with this unethical company about the fraud, my police reports, my need in the middle of a move for the funds. I begged them for helped but they mostly ignored my pleas with their MISLEADING generic message that I had nothing to worry because they would not report my account while the fraud was looked into.
THESE NEGLIGENT REPRESENTATIVES NOT ONCE told me I needed to make payments on the stolen funds so they wouldn't PUNISH ME by blocking me access to my defrauded money they got back.
I sent them letters, evidence, police reports. THESE IMMORAL REPRESENTATIVES misled me, even as I stressed the problem. NOT ONCE WAS I INFORMED that my account was considered past due, that they would punish ME for the problem, and that even if I made a payment today, they ABUSIVE COMPANY is punishing ME for being victim of fraud!
THEY IGNORED ME, MY PLEADS, and simply sought to benefit from a thrid-party fraud with MISCOMMUNICATION and NEGLIGENCE.
I DID NOTHING WRONG. I was not informed ONCE about " being past due '' in NONE of the communications ; they simply said I wouldnt be reported to credit reports.
THIS IS DIGUSTING! ESPECIALLY BECAUSE SINCE DAY XXXX I BEGGED THEM FOR HELP, and they neglected to be fully honest. Now, this unethical company LIES that this can not be overwritten : Systems dont make themselves up!
They have provided NO HELP, they punished ME for being victim of fraud, and they DID NOT NOTIFY ME ONCE about what was happening. I wrote to them at least twice a week with evidence and asking questions. THEY NEGLECTED TO INFORM ME of this!
I am in a dire situation, they knew about it, and now are defrauding me of my defrauded funds! I DID NOTHING WRONG! THEY DID NOT INFORM ME, they are negligent and I demand access to the money! They did not inform me that they would do this!!!
I should have access to the funds! If they considered the refund of the defrauded funds they should count that as payment and allow me access to the funds. THIS IS DISGUSTING and they chose to neglect me and further abuse me!!!
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.
07/26/2023
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
92083
Web
Servicemember
I got a card with COMENITY BANK/ VICTORIA 'S SECRET on XX/XX/XXXX.
I was having problems with this card and I decided to call customer service on XX/XX/XXXX in order to pay off my balance, as well I made a request to close my account. The customer service representative on the phone confirmed to me that my account was paid in full and my balance was XXXX. In addition she said that per my request she would close the account. Customer service representative provided me with a confirmation number # XXXX to confirm the closure of the account. Thereafter, a few months later I got a bill in the mail for {$4.00} and I called again to let them know about this bill and for them to correct the mistake. I was under the impression this account was closed. The customer service representative from Comenity Bank apologized to me and reassured me they will fix this mistake and they will fix it with their collection department and make sure it is deleted from my credit. Now we are in XXXX and this Comenity Bank/Victoria 's Secret company has reported late payments on my credit 4 times by mistake. This is affecting my credit and I really need help from the proper department in order to resolve this matter. Attached are all information that proves when I paid off this card and my request to close my account on XX/XX/XXXX.
my account number with all credit company 's XXXX # XXXX XXXX # XXXX XXXX # XXXX I did some research on consumer rights and regulations.
Based on 15 U.S code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer the consumer identifies as information that resulted from alleged identity theft not later than 4 business days after the date of receipt.
It has been 30 days and you are in violation of this law because I am a victim of identity theft!!
Please delete these items immediately.
Less than 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.
I never gave any consumer reporting agency written consent to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed immediately!
Thank you for all your help with this matter.
Sincerely XXXX XXXX XXXX
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.
03/17/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
KS
66049
Web
On XX/XX/2023 I paid my Comenity XXXXXXXX XXXX Card balance in full. On XX/XX/2023, I received the XXXX XXXX statement showing a {$2.00} interest fee incurred on XX/XX/2023.
I placed a call to XXXX on XX/XX/2023, at XXXX, inquiring about this fee as I had paid the account in full on XX/XX/2023. I was promptly told not to worry as it would be waived and credited back to my account. I expressed my concern this would not actually occur and they were *very adamant* they would make sure it would be done.
As of today, XX/XX/2023, the balance has increased to {$6.00}, which now includes a {$2.00} late fee from XX/XX/XXXX, and another {$2.00} interest fee as posted on my XX/XX/2023 statement. I have placed several phone calls today asking how this could happen when I was assured the initial {$2.00} fee would be waived. The first 2 agents I spoke with today ( XX/XX/XXXX ) assured me it was being credited ( calls placed XXXX and XXXX ) assured me and the account would be closed as requested. The third agent I spoke with told me they were never going to waive the interest fees and this was a result of someone who had poor training and they apologized they could not help me but that I would have to pay or I would incur more fees.
I don't understand how I could be told after paying off my account IN FULL, that I would have the {$2.00} fee from XX/XX/XXXX, *credited back to my account*, only to be told a month later that was never going to happen. This was only after speaking with 3 previous agents who assured me the fees would be credited and I again, had " nothing to worry about ''.
It was also made very clear that closing the account was very negative and attitudes and treatment clearly shifted for the worse when I made it clear I wanted the account closed at my request. I am very concerned about incentives or the punitive atmosphere surrounding account closings affecting how customers are treated, especially regarding billing errors/issues. This concern encompasses all Comenity Capital credit accounts as I requested to close a different Comenity account and the same attitude shift was palpable and affected how my concern/problem was regarded.
In addition to the phone calls, I requested through the message option on the account website to have the {$6.00} credited as I was assured would happen and my account be closed and reported to credit agencies as : Closed at request and Paid as agreed
05/25/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
NV
89014
Web
I had received an IKEA credit card, through Comenity Bank at the end of last year or beginning of this. After using it a couple of months it was blocked and I could not use it anymore. No phone call and no explanation whatsoever. A couple of months later I received a letter from them telling me there are some security issues with both my IKEA card and XXXX XXXX ( also of course issued through Comenity bank ) in which they requested me to send a copy of my driver 's licens, SS card, and a utility statement. I called them and spoke with someone in Fraudulent department ( something like that ) and told the person I spoke with that I don't feel comfortable sending them that information either through mail or email and that I rather close the accounts. She said they could not close them due to the security issue.
I called a few weeks later again, around XX/XX/22, to inquire about the situation. I asked them again to close the accounts and to send the over {$800.00} that I have in credit at the IKEA card Again they said they could not send me the money or close the account due to the security issue.
When I spoke with them again I told them I'd file complaints about them. A couple of hours later I got a phone message from " XXXX at Comenity Bank '' who told me my issue came across his desk and that he was going to try to get me my money. It's 10 days ago and I have still not seen the money or heard anything about closure of my accounts.
Also, whenever I ask about the security issue, they are not able to tell me exactly what kind of security issue. Usually when a credit card bank have security issues, they will have me call them and verify I, the owner of the card, is purchasing a particular item. Or they will call me. Or text or email me. But never ever have I had a bank block two of my credit cards " due to security issues '' they can not explain.
I haven't done anything wrong. I have paid my bill on time and never reached over the limit. On the other hand, I think the reason for blocking my account is because I overused it to take advantage of the 5 % rebate we got for using the IKEA credit card and buying a kitchen. I got a few XXXX dollars back and I paid off the card right away. I don't think they liked that. I even think they blocked the set of gift cards I received since I was not able to use them.
I'm getting the runaround and can not either close my cards or get my money.
06/27/2023
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
91766
Web
The following issues I am having has been as a result of a take over by Comenity Bank of my XXXX Signature Credit Card originally issued by XXXX XXXX XXXX. This takeover happened during XX/XX/XXXX where Comenity issued new credit card numbers to all its members. Around the same time, I was considering the purchase of a car by XXXX. There were two ( 2 ) separate charges on XX/XX/XXXX for {$1000.00} and {$8200.00} by XXXX charged to my XXXX XXXX XXXX XXXX Visa Credit Card ending in XXXX.
I did not purchase the car, nor was it ever removed from the dealership lot. The vendor proceeded to process a refund however because the credit card number had changed the refund was not successfully processed. The dealership suggested I contact the Credit Card company to file a dispute.
Once I learned Comenity had taken over the credit card, I opened a dispute on XX/XX/XXXX with Comenity for the charges to my XXXX Credit Card by XXXX for the purchase of a vehicle. This dispute was filed within 90 days of the credit charge. And without notifying me of the status of my dispute, Comenity closed my inquiry without further notice. This was a violation of my rights to have a claim properly investigated. I re-opened the dispute again in XX/XX/XXXX ( letter attached ) which indicated they would investigate the dispute. I told them the vendor XXXX requested a new account number be provided directly to them so that they can refund the money directly to the credit card issuer as opposed to sending it to me in the form of a check. They opted for this manner of returning the money because it protected them from any claims by the credit card issued for any unlawful actions on their part.
The attorney for the vendor ( XXXX ) indicated they had not heard from Comenity as of XX/XX/XXXX.
I received correspondence from Comenity dated XX/XX/XXXX indicating they were unable to locate information regarding my purchase and for me to contact the Service Provider directly. This letter comes despite the multiple calls I made with Comenity on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and then on XX/XX/XXXX to have my issue escalated to Comenity 's Global Disputes team ( XXXX ). On each call I was told no update was available, and I reiterated the vendor is requesting to have the card issuer provide an updated account number to return the money since the original credit card number had changed from XXXX XXXX XXXXXXXX to Comenity
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.
08/05/2023
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
07203
Web
I am writing to bring to your attention a distressing issue concerning my IKEA credit card, which is managed by Comenity Capital Bank. I applied for the credit card online, providing accurate information, but despite being approved, I never received any communication, confirmation, or the essential disclosures related to the credit card agreement. This lack of communication left me in the dark about the terms and conditions, putting me at a disadvantage as a consumer.
Nonetheless, I was able to make some purchases at IKEA in XXXX using a temporary card, which the IKEA representatives provided. This temporary card allowed me to make the necessary transactions, but my worries grew when I received the actual credit card through the mail and was unable to activate it. When I attempted to make a purchase, the card was declined, leaving me puzzled and concerned.
Determined to resolve the issue, I contacted IKEA 's customer service, hoping they could provide some clarity. Unfortunately, they were unable to locate my account in their system, and they advised me to wait for a statement, which I have never received. This confusing response left me feeling frustrated and anxious about the status of my account.
To my shock, I recently discovered that there is a derogatory entry on my credit report, stating that I haven't made any payments. This damaging entry has caused my credit score to plummet by a staggering XXXX points, severely affecting my overall financial well-being. It is incredibly disheartening to see my credit suffer when I have made sincere efforts to resolve the issue, but my attempts have been met with frustration and dismissal.
Despite making multiple calls to seek assistance, I am confronted with the same frustrating outcome - nobody can locate my account, making it impossible for me to rectify the issue or make any payments towards the credit card. This has placed me in a helpless situation where I am unable to address the problem, leading to an unjust and detrimental impact on my credit history.
I am in the process of purchasing a house, and this erroneous credit report entry is causing significant hurdles in securing a mortgage and achieving my long-standing dream. This situation is incredibly distressing, as it is not a result of any negligence on my part, but rather a failure on the part of the credit card company to properly handle my application and account.
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
322XX
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
XXXXX
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.
06/13/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
CA
900XX
Web
I thought I made my minimum payment on my XXXX Comenity card in XX/XX/2023. On XX/XX/XXXX, I got a notice from Comenity asking me to call them. I called and that is when I discovered that a payment was not made. My payment was 9 days late. On XX/XX/XXXX, I spoke to XXXX, supervisor, asking her to remove the late fee as I have never been late making a payment, Ive made multiple payment in the past and Ive never exceeded my credit limit. XXXX removed the {$29.00} late fee. I had to pay {$40.00} ( my min payment is {$35.00}. Due to late payment they required me to pay an additional {$5.00}. ) I was confused, asking WHY I needed to pay an additional {$5.00} when you removed the late fee? Their explanation is still confusing.
Today, XX/XX/, I went to my account to make a payment EVEN THOUGH a payment is not due this month. There is a notice saying my account is past due and options may be available to get my account on track. I was confused about this notice as there is NO minimum payment due. When I called on XXXX XXXX XXXX never informed me that additional payments were needed to get account up to date.
I called today, XX/XX/XXXX, I had the displeasure of speaking to a RUDE rep, named XXXX. I asked to speak to a supervisor. XXXX assisted me. I asked WHY is there a message saying my account is in past due status when a made a payment? He says the system has not been updated and Comenity bank is reporting that my account was past due. I said, once i took care of the matter and the late fee was removed, my account is no longer in past due status. Plus, your account has to be 30 days late or more for a bank to correctly report to credit bureaus that your account is in past due. My payment was 9 days late, ONLY because I thought I already made a payment. It happens! Ive never missed a payment prior to thinking I ALREADY made a payment in XXXX!
Ive had another issue with Comenity in XXXX of this year when I was making a purchase using my XXXX XXXX The card was declined. I called Comenity and was told that my card had NOT ben activated when I had been using my card for several months prior to trying to use it to make a purchase. AND Ive made payments to the account before XXXX. And I Ive made several transactions on my account when they claimed my card WAS NOT ACTIVATED. The representative nor the supervisor could explain WHY their system said my card was not activated.
07/08/2022
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
MI
480XX
Web
On XX/XX/XXXX I was on a social media website and seen an ad for a XXXX XXXX product it was offered to pay shipping only of {$6.00} to try the product. When I entered my credit card information into the system the page automatically cycled through added items to my cart of {$9.00} & {$39.00} and checked me out. I did not receive an order confirmation. I immediately called my credit card company MasterCard/Ulta and advise them what just happened. I told them that I wanted to cancel the charge that I felt like it was a fraudulent action and that I wasnt confident that I was dealing with a real company. Ulta advised me that the charges were still pending they couldnt see anything therefore they couldnt do anything and they had no number or info to provide me at that time. They advised me to call back after the charges cleared and that then they could help me dispute the charges. When I received my next statement there were more charges on my card for an additional amount of {$110.00} and {$110.00} dated XX/XX/XXXX from XXXX different companies XXXX of them being XXXX XXXX XXXX {$6.00}, {$39.00}, {$110.00} And the other being XXXX XXXX XXXX XXXX {$9.00}, {$110.00} I attempted several times to reach the merchant and request credit on my account that I was not happy with the service I did not receive any product and that I did not know who they were. I never got a order confirmation, I didnt even know who they were. At that point I realized online on my credit card company Ulta I was able to lock my card so I did, to prevent anymore unauthorized charges. When I spoke to someone they were short and rude with me said that I gave them my information and therefore I was being billed for it and since I blocked my card I would no longer get charges. I told them again I did not authorize the purchase, that I was not happy with the service, and that I didnt receive any product and I wanted a refund on my account immediately. Finally on XX/XX/XXXX a lady named XXXX with the collection company advised me that she did credit my account on XX/XX/XXXX for the full amount of {$290.00}. I asked her for a reference number and she gave me # XXXX told me to have a nice day and hung up on me. I have written to UltaXXXX several times and reported all this & called merchant multiple times. To date I still have not received a credit nor gotten resolution. Can not get resolved. Looking for help.
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.
10/02/2023
Yes
Credit card
Store credit card
Improper use of your report
Reporting company used your report improperly
IL
60615
Web
On XX/XX/2023, I obtained copies of my consumer reports from the credit reporting agencies ( XXXX, XXXX XXXX, and XXXX ) and was dismayed to discover that your company 's information continues to be reported in a manner that violates the Fair Credit Reporting Act ( FCRA ). As previously communicated in past notices, I have raised concerns about one or more potential violations in the past, emphasizing the importance of complying with consumer rights and FCRA regulations. Specifically, I am referring to the closed accounts associated with the following : 1. Express Account # XXXX Upon reviewing my credit reports, I have noticed that your bank is reporting my experiences with your company in a manner that raises significant concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). The specific matter of concern pertains to the categorization of my line of credit with your company as " utilization '' and the categorization of my payment history / status with your company as transactions, on my consumer reports.
It is my firm belief, supported by the relevant legal provisions, that your company is unlawfully reporting this information on my consumer reports. I would like to draw your attention to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which states : " 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The law is unequivocal in its statement that information pertaining to transactions or experiences between the consumer ( myself ) and the person ( Comenity Bank ), making the report, should not be included on consumer credit reports. Utilization is inherently an experience with the line of credit extended between the consumer ( myself ) and your company,, which qualifies it as an experience that should not be reported on my consumer credit reports.
Payment history or status is inherently transactions, between the consumer ( myself ) and the person ( Comenity Bank ) which qualifies it as information that should not be reported on my consumer credit reports!
By reporting this transaction on all of my consumer reports, Comenity Bank appears to be in clear violation of the FCRA ( 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ).
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
480XX
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.
06/19/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Sent card you never applied for
CA
92119
Web
On XX/XX/XXXX my wife and I attended a vacation timeshare presentation by XXXX in exchange for a free XXXX night stay at XXXX of their properties.
We declined to purchase the timeshare options provided. They indicated they'd need our social security numbers to put us " into the system '' to get our gifts, and also to allow them to show us better deals ( to attempt to get us to change our mind ). I provided by social security number verbally and the employee punched my info into their XXXX. They left to their office and upon returning noted that we had excellent credit. Not having expected my credit to be pulled I inquired if this was a hard pull because I didn't want a credit inquiry on my record. They said no. They presented financing options which we declined. We signed one paper indicating that we declined all their offers and left.
The next day I got an alert on my credit monitoring that said there was an inquiry. It turns out they did a hard pull without my authorization.
A few days later I got another alert that a credit card from XXXX XXXX Comenity with a {$5000.00} credit line was opened in my name. I did not authorize any credit to be opened in my name.
I contacted the company and they indicated there was nothing they could do. I was told that if I dispute the reports with the credit reporting agencies, XXXX will simply decline to respond. This should " resolve '' the issue because they will drop off of our report. They said this is their standard practice at the advice of their lawyer because they receive many such disputes on a regular basis.
I asked for a copy of the documents with which I supposedly authorized this credit pull and credit account. They said they could not provide such a document.
I have already disputed the inquiry ( with one agency ) as well as the account ( with all three ). The agency that has the inquiry has responded and indicated that because the pull did occur they can not remove it from my credit. However since this inquiry was made without my authorization it was in violation of the Fair Credit Reporting Act. ( In addition to this complaint I intend to pursue statutory damages under that act. ) The fact that they receive disputes regularly indicates they are knowingly continuing to perpetrate this fraud. Simply declining to respond to credit reporting agency disputes is not a satisfactory resolution.
05/18/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
PA
16823
Web
This is the original message that was sent with first complaint. Then the complaint was closed with company providing not correct information and not replying to my complaint.
" I have made a purchase but after 3.5 weeks, this purchase was returned. Before making a payment, I waited until the refund was posted and by the time refund posted, credit card company posted a late fee and interest charge. I have contacted them and explained what happened, they have removed the late fee and said they will remove the interest charge but they never did. The interest charge was {$21.00}. After contacting them again, they told me they refunded the interest charge but it was only {$0.00}. I told them the amount was incorrect, however I was told they refunded full amount of interest charge. It takes them 3-5 business days to reply, and by the time I was dealing with this issue, they charged me additional {$18.00} interest charge because I did not pay my bill in full. I tried contacting them, with no help. They told me they will keep adding additional interest until I pay my account in full. I owed nothing on my account except that {$21.00} interest charge and now it's up to {$40.00}. They will not work with me to resolve this issue. '' Here 's the response from the company : " The account terms are explained in the Credit Card Agreement. When payments aren't received, are made for less than the minimum required, or are received after the due date cutoff time, we'll assess a late fee to the account. In addition, we'll assess a finance charge or minimum interest charge any time the full balance in the regular revolving credit plan is not paid by the payment due date. On XX/XX/2022, we applied a courtesy late fee credit of {$30.00} along with the associated finance charge of {$0.00}. '' My feedback to that response.
I have stated that you have refunded the late fee, and I am grateful for that, however when you said you refunded the finance charge, it was only {$0.00} and not {$21.00}. If you would have refunded the correct amount, I wouldn't be here, and while we were trying to resolve this, you have charged me additional {$18.00} interest, because I did not pay the initial interest charge. You knew we are trying to resolve this, why would you purposefully charge me additional interested on top of the previous interest?
I also closed my account over a month ago.
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.
02/16/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MO
64081
Web
Older American
Problems paying off Comenity Bank. I took out a loan with XXXX XXXX XXXX XXXX to payoff debt with Credit Card with Ultamate Rewards/Comenity Bank . XXXX XXXX XXXX XXXX sent a check to XXXX Bank in the amount of {$10000.00} with my account number check dated XX/XX/XXXX. I continued to receive notices that my account was past due and I called to speak to representatives on multiple occasions. By XX/XX/XXXX, I spoke to the " Dispute Department '' because the check had not been received ; they could not locate the check and would do an investigation. I contacted XXXX XXXX XXXX XXXX to let them know. Due to the check being of such a large amount XXXX Bank XXXX XXXX decided to stop payment on check and issue a new check. A new check dated XX/XX/XXXX was issued and mailed the same by priority mail. Notice was received that the payment was received through XXXX Postal Service. I kept receiving calls and soon received statement that payment had not been received. Then that same week, I received the 1st check dated XX/XX/XXXX in the mail it was returned to me stating insufficient. I promptly called Comenity Bank, stating the payment posted on XX/XX/XXXX and was returned XX/XX/XXXX. Yes, the XX/XX/XXXX check payment was stopped because too much time had passed it was considered lost. It was now, XX/XX/XXXX and Comenity Bank returned the 1st check and the 2nd check for {$10000.00} was now lost. I have made multiple calls to dispute department with NO resolution. They have lost two large checks which could not be posted. Now, I have {$82.00} or more late fees on my account and interest fees accumulating. They have also reported the missed and late payments to the credit bureau ; my credit has taken a terrible hit due to their mistakes. Comenity Bank has over XXXX complaints that are of the same nature. What is happening to these checks mailed priority and why are they not posted immediately? Why was the 1st check dated XX/XX/XXXX posted on XX/XX/XXXX over a month late? It is XX/XX/XXXX, and the 2nd check dated XX/XX/XXXX mailed priority has not been found or posted. We keep going around and around with them asking me the same questions and to submit the same information. The checks in the amount of {$10000.00} is too much money for them to be losing. This is considered terrible practices and customers being mistreated as well as milked for additional fees.
11/28/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
CA
92704
Web
In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. This is hurting my lively hood and I cant apply for anything. I am demanding that you remove this account from my consumer report In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), 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 Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
XXXX XXXX XXXX Re : Notice to Cease and Desist To Whom it May Concern ; NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/2022.
While checking the above report, it came to my notice that your Company has furnished an account on my report.
In pursuant to 15 USC 1692a ( 2 ), the term " XXXX '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums.
Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately.
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
If you do not cease communication a lawsuit will be commenced against you.
Thank you for your cooperation Sincerely, Delight-Tracy : XXXX, XXXX ALL RIGHTS RESERVED
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
XXXXX
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
11/29/2023
Yes
Credit card
Store credit card
Problem when making payments
Problem during payment process
WA
98103
Web
Servicemember
To Whom it May Concern, DELL FINL SVCS XXXX XXXX incorrectly serviced my account, made it impossible to make payments, and will not remove the late payment mark from my credit history. A mark I could not have avoided due to their technical failures.
In XXXX of XXXX, I tried calling the number listed on my mailed statement to pay my on my account to keep it current. The number listed was no longer in service. I then tried their web page, a representative told me I could not submit payments online for this account and I would have to send a check. I stated I had paid for years via the phone and they stated a change was made to these old accounts and they would only take a check. I tried in vain to find other numbers for Dell Financial Service that would answer questions about my account, but either found dead numbers or people who couldn't answer my questions. I sent a check to DFS on XX/XX/XXXX, past the posted date ( I had to order checks ) but not 60 days past. I received zero communication from DFS, only noticing in XXXX that my credit report was dinged for late payment on an account.
Again all posted numbers in previous mailings I had received were dead lines. I called their headquarters several times until I got a human being who could accept my payment. They could not tell me what happened to the check, why the # 's posted and emails I had sent were unanswered, and when I asked if they could remove the late payment mark on my credit due to the circumstance, they said no one at Dell could do that. I then asked to escalate and was hung up on with XXXX resolution.
The next month they sent a letter saying they had cleared my debt out, because my account was so old they could no longer service it.
To summarize, I was able and willing to make payment on my debt. I made every good faith effort to contact them and pay on that debt on time, they never communicated a change in accepted payment method nor the deprecation of their payment/support line for my type of account. I mailed a check and they never responded with any issue or sent a letter of non-payment to say the check had not been processed. After finding a human that could take my payment, they still could not answer questions about my account. I feel like this mark on my credit history is extremely unfair and fear others may also be impacted with similar " older '' accounts.
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
XXXXX
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
10/28/2022
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
GA
30035
Web
Servicemember
It has been over a year and I am still having issues with Victoria Secret and Comenity Bank. Victoria Secret and Comenity Bank make it nearly impossible to login to my account so that I may make payments on my credit card account. For several months their website would not allow me to login using my login credentials ( email/password ) so that I can make my payments online. I called and spoke to them about this on 3 separate occasions. Today I tried to login and had the same issue except this time it allowed me to update my password. I updated my password but it still will not allow me to login using my login in credentials. When I tried to login, I got an error message saying that no account exists with those credentials ( email address ) even though the online system verified my identity with that exact same email address. At this point it is my belief that Comenity Bank the issuer of Victoria Secret credit card is purposely blocking people from accessing their online accounts so that they are unable to manage their accounts and make on time payments. I have been experiencing this issue for over a year and I have had it. I have complained to Comenity Bank and when I did the customer service representatives are unable to fix the problem. I haven't been able to see my Victoria credit card transaction history in over a year, I have no knowledge of what I'm even paying for when I go into to the store and make random credit card payments. I have no way to verify that the transactions made on the account are even mine since I can not login to my online account and they do not send an itemized transaction report when they mail out the credit card billing statement. I can not provide my credit card number because every time my status changes, from " basic member '' to " platinum member '', the credit card number changes. I haven't had used a physical credit card to make purchases in over a year and make purchases in store using my social security number instead. The last time i spoke to a representative, i asked them to send me a new card so that i could login to the Comenity Bank system using my card, they never did. This all seems fraudulent and I would like assistance in getting Comenity Bank and Victoria Secret to fix their system and reimburse me of any late fees or fraudulent charges I have incurred because of their fraudulent system.
07/04/2023
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
60459
Web
On XX/XX/2023, while on a road trip to the state of Florida, I attempted to use my Comenity Master Card on XX/XX/2023. The card was declined, and I simply believed it was because I was out of my home state of Illinois. After arriving home on XX/XX/2023, I attempted to use my Comenity credit card again, and while making a small purchase, the amount, much lower than my available credit, the transaction was declined once again. This time I called the customer service number, and I was told I had some indicators on my credit report that indicated a significant change and a consumer report had to be provided before any available credit was made available to me.
I explained that I had not received anything in writing, by US Postal Service, email or on the Comenity account portal regarding this issue. I asked why would I agree to this if I have not been contacted by Comenity Credit Card? I was told by customer service representative, XXXX, from the Texas call center, it would be a call I would have to place at time of a transaction being declined. I asked if I could have an authorization form sent to me, allowing me to read what I was agreeing to, in regard to the credit pull Comenity Credit Card is asking I give a verbal agreement to. Customer Service Representative XXXX said no, it this would be a verbal agreement. I explained this agreement, you are asking any credit card holder to make, when a transaction is declined, would be an agreement made under duress. How can a person be made to agree to a consumer report being ran without a written authorization form, when a transaction is declined. I requested to speak to a supervisor. I was connected to Senior Account Specialist XXXX XXXX. XXXX XXXX stated the same. This would be a verbal agreement, but she would notate the account, stating I was not agreeing to a verbal agreement that would allow Comenity to run my credit, but my suspended status would remain on my Comenity Credit Card Account. XXXX XXXX stated if I wanted to know if this would be a hard inquiry or a soft inquiry, I would need to personally contact the individual credit reporting agencies. I told her it was totally unacceptable to expect a consumer to contact the credit reporting agencies regarding an inquiry the consumer did not request. And NOT PROVIDE any written documentation explaining what the consumer is agreeing to.
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.
07/11/2022
Yes
Debt collection
I do not know
Written notification about debt
Didn't receive notice of right to dispute
CA
92508
Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
COMENITYBANK/VICTORIA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I XXXX XXXX XXXXLING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
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.
09/16/2023
Yes
Credit card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
TX
78664
Web
Servicemember
In early XX/XX/2023, I made a purchase on the XXXX website. While completing this purchase I signed up for the NFL Extra Points Visa card which is issued by Comenity Capital Bank. I was particularly persuaded by an offer of a {$100.00} statement credit after spending {$500.00} outside of the XXXX. I received the card within XXXX days and immediately began using it. I met the {$500.00} spending requirement on or about XX/XX/2023.
Since that time, I have made countless calls to Comenity Bank 's customer service department and they have failed on multiple occasions to resolve this issue. Initially, I was told during a call in XX/XX/2023 that I had to wait 90 days after opening the account to receive the {$100.00} statement credit. I waited 90 days and called Comenity Bank customer service again in XX/XX/2023 to inquire about the {$100.00} statement credit. I was told at that time that I couldn't receive the statement credit because I had a {$0.00} balance. I was told to spend at least {$100.00} on the card and that I would immediately receive the credit. I followed through on this advice and spent over {$100.00}.
After not seeing an immediate credit, I called Comenity Bank yet again on XX/XX/2023 and spoke to an representative named XXXX. XXXX informed me that the information provided by the prior representatives was totally incorrect and she opened an investigation into the matter. XXXX confirmed I met the promotional requirements and assured me the issue would be resolved within XXXX XXXX
Today is the XXXX day so I called about XXXX minutes ago to get the status of XXXX 's investigation. I was told by a phone representative that they had a " system issue '' that affected a large number of customers and that there is " no timeframe '' for when it will be resolved. After escalating my complaint to a supervisor named " XXXX XXXX '', I was told that I " should '' see the {$100.00} statement credit on my next billing statement. My experience with this bank has made me very skeptical that I will receive anything.
Every representative I have spoken to has confirmed that I met the criteria for the promotional offer back on XX/XX/2023. It's been over 6 months and I have not received the {$100.00} statement credit. XXXX Bank continues to advertise the {$100.00} statement credit promotion via XXXX games and the XXXX XXXX website.
10/13/2017
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
NY
146XX
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.
01/19/2023
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
CA
92805
Web
I received a letter from " XXXX XXXX XXXX '', dated XX/XX/XXXX, stating " We are trying to collect on your Comenity Capital Bank debt that you now owe to XXXX. We will use any information you give us to help collect debt ''. They further stated in the letter, " On XX/XX/XXXX, your account was sold to XXXX XXXX XXXX XXXX XXXX, which is now the sole owner of the debt ''.
This is extremely concerning to me as this is not my debt and I am in no way responsible for paying this. What is more concerning is that they have my address on file to send me this collection letter. I am confused how this company has my address in the first place. Additionally, the name on the front of the letter and the name that is used throughout the contents of the letter is the incorrect spelling of my name. I am not sure if this is fraudulent but I believe XXXX XXXX XXXX is utilizing extremely predatory tactics to collect this debt that does not even belong to me. I consistently check my credit using XXXX and XXXX XXXX as well. XXXX, XXXX, and XXXX does not show any opened accounts with this information, or any accounts in default for that matter.
They state that that " As of XX/XX/XXXX, you owed {$330.00} ''. They state I had a " COMENITY CAPITAL BANK XXXX '' account and that it has been in default since XX/XX/XXXX. It also states that the last payment date was : XX/XX/XXXX and the account was charged off on XX/XX/XXXX.
The letter states : " Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct.
I do not feel comfortable contacting this company on my own as I do not want to give them any more information than they already have. This issue is extremely pressing as they have given me until XX/XX/XXXX to respond or they will assume that they information they have is correct. If you have any questions please do not hesitate to reach out to me via phone or email to get this issue resolved promptly.
Below I will list off contact info they have listed in the letter : Email : XXXX XXXX : XXXX Send payments to : XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, CA XXXX " Send disputes or an instrument tendered as full satisfaction of a debt to : Attn : Consumer Support Services XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, MI XXXX You may also call : XXXX ''
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.
10/31/2023
Yes
Credit card
Store credit card
Fees or interest
Problem with fees
VA
23223
Web
Older American
The Complaint I file against Comenity Bank with the Virginia Attorney Generals Office ( AG ) on XX/XX/XXXX was initially accepted. However, I received a letter dated XX/XX/XXXX instructing me to file with CFPB instead ( attached ), below are brief descriptions of my Complaint and attachments.
I started complaining to Comenity Bank that my XXXX XXXX credit card account ( XXXX ) was being mismanaged and overcharged starting in XXXX XXXX by phone, email and U.S. mail ; our written Correspondences are attached ( Correspondence pgs. 1-8 ). My letter dated XX/XX/XXXX with receipts dated XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX ( pgs. 1-3 ) illustrate when the problem started ; I purchased two pieces of jewelry from XXXX XXXX in XXXX, VA on XX/XX/XXXX, returned one on XX/XX/XXXX after finding it at another store for about 50 percent less. After receiving the XXXX bill, I realized the payment plan for the two pieces was still in effect for the one piece, I wanted the plan changed since the one piece was eligible for an interest free payment plan. I went back to the XXXX store and as the attached receipts dated XX/XX/XXXX show, the store manager/saleswomen returned the remaining item and sold it back to me on an interest free payment plan.
I havent purchased anything from XXXX since XX/XX/XXXX and the attached Statements dated XX/XX/XXXX XX/XX/XXXX ( Statements pgs. 1-20 ) shows the issue was never corrected, i.e., finance charges were/are still applied making the total I owed still over {$3000.00} ( I attached the first page of statements XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX, but noticed when preparing the submission for the AG, that some finance charges were returned on statement XX/XX/XXXX, therefore I printed out that entire statement, the returns were made after my letter dated XX/XX/XXXX in which I indicated that I copied the XXXX XXXX XXXX, which I didnt ).
At this point, I am beyond frustration and decided to stop making payments in XX/XX/XXXX, after which I received a number of texts, phone calls from blocked numbers and with no voice message. I was finally able to return a call and speak to a representative on or about XX/XX/XXXX from a message left that day. During this conversation, I informed the representative the I asked a third party to review my account.
I appreciate your attention to this matter
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.
09/12/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Privacy issues
NJ
07202
Web
On XX/XX/XXXX XXXX XXXX, my personal bank, informed me that my account number with Comenity Bank ( Express ) had changed. I reached out to Express for details surrounding the change that same day and have been getting the runaround ever since. I have spoken to supervisors at Comenity Bank 4 times and each of those four times, been given different information. The first time I was told that the account had switched to a 16 digit format, and a new card was ordered. Comenity was unwilling to explain how XXXX notified me of the change before they did at this point. At this point I opened a case with the Better Business Bureau ( XX/XX/XXXX ), which went ignored by Comenity Bank. When the new card came, it came with a 9 digit account number. I called Comenity back and was told, that the account number should not have changed to a 16-digit number. Comenity was still unwilling to explain how PNC notified me of an account number change, specifically since my account number should never have changed. Then, on XX/XX/XXXX I received yet another new card, with yet another 9 digit account number. This time when I called Comenity to find out what was happening, I was told that the account should in fact be 16 digits long, and that they had no idea how or why I kept getting 9-digit cards. The supervisor at this point told me that I was notified of the change on the statements that I had been receiving. However, Comenity did not cut any statements for me since XXXX, since I keep a XXXX balance and have not used the account since then. Finally, I received a call from Comenity, also on XX/XX/XXXX, from what I believe to be the Complaint Management Teams, because I have made so many complaints to Express about the issue since the beginning. The final person that I spoke to, told me that a 9-digit account number was in fact correct and that she would be working to get to the bottom of all the differing information I have received to this point. This is not acceptable, how can consumers trust in Comenity if they can not even answer simple questions or keep things straight. How was PNC notified of the change before I was? Why was I given different answers from each person I spoke to? What should my account number be? Is there a way to close out the account- which is my oldest credit line- without it negatively impacting my credit score?
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.
06/28/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
28214
Web
The last purchase that I made with my XXXX account has caused nothing but problems with my account. My payment information has been the same into my account since I had the card, however since the last purchase in XX/XX/2021. I made a payment and XXXXComenity Bank XXXXted that the payment was returned. When I checked with my bank they do not have a record that the payment was returned, when I make an attempt to add the account it states that the account information already exists. As of right now when I try to log into the website to obtain the correct payment dates it states " We're Sorry. A technical glitch occurred and your request could not be completed. Please try again. The first time they stated that payment was returned they waived the late fee, I made the payment and the next month 's payment. I then made a {$140.00} payment using the information that has always been in my account. I never received another statement and when I received a phone call from XXXX I checked my account and payment never cleared, and my bank did not have a record of a returned payment. Again this seems like it was an XXXX issue. They denied waiving another late fee and interest, and on yesterday what really caused me to file this complaint is they reported my account delinquent with the credit bureau. I demand that they reimburse for me for the interest and fees, and correct my credit report and I will never use this card again in my life. They can't say my account number was incorrect, because trying to input it again, it stated the account is a duplicate, and for the final payment to just pay the balance off in full I had to use my wife 's account in order to ensure there wasn't any issues. This went through as pending just the very next day. XXXX believes that all of their customers is making up lies, I paid all of my bills on time, and they need to look into their system. After the collections call before I made the final payment, it took forever to get to their web page, as it came up that they were bread financial I could not get into that site, and ironically I can't get in today. I have printed documents. Please scroll to the bottom on the bread financial. It is documented that there is an issue when someone tries to get into their account. If my password or anything else was incorrect, the error message would say that.
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.
12/09/2022
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
NY
122XX
Web
Subject : Inaccurate information on Credit Reports To resolve my complaint with 3 Credit Bureaus with fair resolutions, I mailed a Good Will letter to XXXX, XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XXXX to update my credit report, keep my accounts in good standing, and fix any delinquent late payments, inaccurate information including derogatory remarks, unverifiable/outdated, and incomplete items/information including removing transferred and third party sold accounts. One discrepancy is ( along with several ) is the different numbers of open/closed accounts on all the Credit Bureaus XXXX XXXX, XXXX and XXXX. Each Good Will letter to all three credit Bureaus was sent with the same information. Below is the Finance Company and Credit Data Corporation with Company names, dates and credit report information : On XXXX XXXX XXXX XXXX Credit Report ( XXXX Score XXXX ) ( Credit Score XXXX ) XX/XX/XXXX From XXXX XXXX XXXX XXXX is showing past due and have derogatory remarks but account was removed. 100 % Payment history is excellent with no Hard Inquires. My Credit Cards use rating is excellent with XXXX balance and credit age 10 months. Low impact on open and closed accounts. 22 accounts.
On XXXX XXXX - XXXX Credit Report ( XXXX Score XXXX ) ( Credit score XXXX ) XX/XX/XXXX there are derogatory remarks and in collections from XXXX XXXX original creditor XXXX XXXX XXXX {$610.00} opened XXXX ( not in collections and no derogatory remarks on XXXX credit report ). XXXX XXXX XXXX XXXX removed with no derogatory remarks on XX/XX/XXXX XXXX XXXX XXXX. Number of accounts 37. 100 % Payment history excellent Credit card use rating is excellent with XXXX balance on credit card usage but credit age 10 months. Zero Hard inquiries.
On XXXX ( XXXX XXXXcore XXXX ) XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX original creditor Comenity Capital Bank collection account showing in dept collection {$1700.00}. That account was removed from XXXX and XXXX credit report between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX credit card credit limit {$300.00} was paid on time with no past due amount. XXXX XXXX original creditor XXXX XXXX XXXX date opened XX/XX/XXXX high balance {$840.00}, ( but on XXXX report balance {$610.00} opened XXXX. XXXX Closed accounts.
Please correspond and update all inaccurate information accordingly, Thanks.
09/12/2022
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
NM
88201
Web
XX/XX/XXXX Comenity Bank/Wayfair XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX RE : Comenity Bank/Wayfair and XXXX XXXX XXXX XXXX I am writing to dispute the following information that appears on my XXXX, XXXX, and XXXX consumer report : Dispute : Account Number or other information to identify account : XXXX {$920.00} Comenity Bank/Wayfair XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Explanation of item being disputed : On or around XX/XX/XXXX, I initiated a purchase through Wayfair for a daybed. When I received the daybed, I was not able to piece it together as different parts of different sets were sent.
The smell coming off the set was also intolerable. It smelled like dead animal.
I phoned the company and spoke with a customer service representative about the process for returning the furniture, as I was not able to piece the bed together or decontaminate from the horrid smell. I was advised to throw away or donate the pieces. I was assured no fees would be charged to my account. ( Ultimately the whole mismatched set had to be thrown away. ) Included are photos of the different pieces that were sent.
I dispute having any obligation for this debt.
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate and verifiable and you must complete this investigation within 30 days of receipt of this letter.
I am promised accuracy in my credit report based on federal law. Under 15USC-1681 all unverified or incorrect information must be promptly removed-within 30 days of receipt of this letter.
After you have finished my request, send me a copy of my credit report reflecting PERMANENT removal from my report. Update payment history to be paid as agreed, never late, and in good standing.
Thank you for your assistance.
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
915XX
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.
05/29/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
IN
46385
Web
My problem is with Comenity, the company that offers the XXXX XXXX credit card XXXX XXXX XXXX XXXX is the URL for XXXX XXXX credit card XXXX XXXX When a purchase is made, it is " interest free '', as long as the " plan '' for that purchase is paid off by a certain date. I have 2 such plans : One for the engagement ring I purchased for my fianc ( who, sadly, passed away at the end of XXXX ) and the other plan was for another ring I purchased for her.
On XX/XX/2022, I made a {$120.00} payment on my account. There was nothing owed on the account at the time, so I know the payment would not have been applied to any outstanding fees or charges. I requested that the payment be applied to my plan XXXX ( the plan for the second ring I mentioned ), as my intent was to pay this plan off before XX/XX/2022, at which time interest will be charged for the plan.
As of XX/XX/2022, the payment has not been applied to the requested plan, nor has the payment been applied to my account at all as far as I can tell from my account page. The prior balance on plan XXXX was {$200.00}, and the balance of that plan remains the same at this time, according to my account page. The total amount owed on my account ( {$1000.00} ) has not changed since making the payment either. It seems to me that their intent is to run out the clock on this plan ( probably both plans, but I wont know that until I start paying on the engagement ring ) so they can start charging interest on the unpaid balance.
I have sent 2 messages to them through their Secure Message Center ( which I have used successfully several times in the past for other matters ), but neither message was sent due to technical difficulties. So, basically, they declined to accept my inquiry into this matter. The last message I sent stated that I would be filing a complaint with the FTC against them if I did not receive a satisfactory explanation from them before midnight last night. Again, they declined to accept the message, so I am left with no option other than to file a complaint.
I would like a full accounting/audit of my account from them, as well as an audit of each plan individually, so I can examine their accounting and payment application practices, at which time I will make a decision about pursuing legal remedies.
I appreciate your assistance in this matter.
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
601XX
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
330XX
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
01/29/2023
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
MI
48227
Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report.
I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.
PLEASE BLOCK ALL THE ACCOUNTS LISTED ON THIS REPORT, THESE ACCOUNTS ARE NOT MINE. THE IDENTIFICATION PROVIDED IS NOT ENOUGH PROOF THAT ANY OF THESE ACCOUNTS ARE MINE. THEY ARE A RESULT OF IDENTITY THEFT. I DEMAND THAT YOU REMOVE AND BLOCK ALL THE ACCOUNTS IMMEDIATELY. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. I ALSO WOULD LIKE TO KNOW THE METHODS USED TO VALIDATE THE DEBTS. THE FOLLOWING INQUIRES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPOT OR THE INQUIRY MUST BE REMOVED. - PLEASE REFER TO ATTACHMENT 1. PLEASE REMOVE THE FOLLOWING NAMES, ADDRESSES, PHONE NUMBERS AND ANY OTHER NAMES, ADDRESSES, PHONES NUMBERS YOU HAVE ON MY CREDIT REPORT. REFER TO ATTACHMENT 2.
07/06/2023
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
90025
Web
On XX/XX/XXXX, I was enrolled in Comenity Bank 's hardship program due to my financial situation. The enrollment took place over a phone call, during which the agent assured me that my interest rate would be reduced and any late payment charges would be waived. To set up automatic payments, I provided my bank account number and went through multiple verification steps. The call was recorded for customer service purposes, and before ending the call, the agent confirmed that everything was set up correctly.
However, on XX/XX/XXXX, I received a letter stating that I had not met the payment requirements. Troubled by this, I promptly contacted the bank and was informed that they would investigate the matter and get back to me. Unfortunately, I haven't received any communication from Comenity Bank since then. In the meantime, they reported the late payment to the credit bureau, causing significant damage to my credit score. Despite making multiple calls since XXXX, both Comenity Bank and the credit bureau have failed to assist me, exacerbating the negative impact on my credit.
I respectfully request that Comenity Bank provide me with a copy of the recorded phone call as evidence of our agreement regarding enrollment in the hardship program. Furthermore, I request that they take immediate action to remove the late payment from my account, as it was a direct result of their failure to fulfill their promises. I also urge the bank to discharge any accrued interest rate charges and late payment fees, considering this situation as a failure of their service. It is my sincere hope that Comenity Bank will rectify this matter promptly and restore my credit to its rightful state.
Furthermore, I would like to emphasize that the bank 's actions have caused significant stress and hardship in my life. By reporting the late payment to the credit bureau, my credit has been severely damaged, resulting in the inability to obtain loans or credit when needed. It is crucial for Comenity Bank to acknowledge the negative consequences their actions have had on my financial well-being and take appropriate measures to rectify the situation promptly.
Thank you for your understanding and assistance in conveying this message to the relevant parties. If there is any further information I can provide, please let me know.
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.
02/10/2023
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
674XX
Web
On XX/XX/2023 I noticed a charge on my express credit card for {$450.00}. I did not make any purchases that day. I was actually at work. When I logged into my account, it stated that a bag of some sort had been purchased for that amount in Ohio. I reside in Kansas. I immediately called the company and advise them that I did not make this charge, and I was told that it would be reported to fraud. I noticed that the charge was removed from my account, and it was taken off of my credit report. I thought that the matter had been solved, I was told that the account had been closed, and I would be issued a new card. On XX/XX/2023 I received a notation in my credit monitoring that my credit score had decreased by XXXX points. I also received an email from XXXX stating that my bill was due to be paid. When I logged into my account, the previous charge of {$450.00} was stating as amount owed. In the first opportunity during my workday, I called and I spent a significant amount of time on the phone trying to rectify this. Unfortunately because I work in medicine, I had to return to see another patient and I had to get off the phone. I called back at the very next opportunity, the same evening, and was transferred multiple times. Each person I spoke with, said that they didnt understand what had happened, and they were going to transfer me to a department that could assist me. on XX/XX/2023 at XXXX XXXX. I spoke with the fraud department with a person named XXXX. I was advised that there is nothing she could do and that I must call again tomorrow to speak with another fraud department. I did advise her that I work in medicine, and a critical access hospital where I am the sole provider. Due to the nature of my business ( emergency room ) there is no physical way. I can call to be on the phone at XXXX XXXX, there is no one to cover for me. She stated that she was sorry and that I needed to call. I asked each person I spoke with, if they could tell me what had happened that this charge was placed back on my account, I have never lived in Ohio. I do not know anybody in Ohio. And I have not used that card to purchase anything. I have yet to receive an answer, my credit score has declined significantly, and I have no way of managing this problem despite spending hours on the phone and multiple phone calls.
08/08/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NJ
07302
Web
XXXX XXXX my husband and I purchased a large tile order in store at XXXXXXXX XXXX XXXXXXXX and opened a XXXX XXXX XXXX credit card at that time with 0 % interest for 1 year.
XXXX XXXX we realized the tile we purchased which we were given part of the order on site and the rest we were told was back ordered was actually discontinued.
XX/XX/XXXX the company resolved the issue returning the tile already purchased and selling us a new tile that was not discontinued, we had to pay our contractor a large fee to remove the tile already installed XXXX XXXX we had paid off almost all of the balance except for {$600.00} at which time I called XXXXXXXX XXXX XXXXXXXX to understand when the 1 year 0 % interest ended because the statements were saying XXXX but we had returned and made a new purchase. I was told at this time that they would update the credit card company to tell them the XXXX purchase date XXXX XXXX the date had still not been updated so I called XX/XX/XXXXagain at which time i was told again it would be updated XXXX XXXX I paid off the remaining {$500.00} balance but when the statement arrived I had been charged interest as if I hadn't paid the balance in time for the 1 year as the still had not updated it to XX/XX/XXXX XXXX XXXX I call Comenity bank who tells me to file an official dispute and i upload evidence and receive format letters saying that the date of the ending of the 1 year interest free was on the statements and not addressing that I had been told it would be changed to the correct purchase date -XX/XX/XXXX and XX/XX/XXXX I call repeatedly to try to fix the issues XXXX XXXX I call comenity bank again at which point I am escalated to a manage who tells me I shouldn't pay the bill when I expressed my concerns that it is showing on my credit report as a delinquent account but rather to get a letter fromXX/XX/XXXX explain what has happened XXXX XXXX I work with the store manager who tells me they have asked corporate headquarters to communicate with the credit card company to resolve the issue after no resolution I called comentiy bank again and spoke to them for 2 hours and a supervisor told me she was going to investigate but I have still not heard anything back, I am being harassed by their collection branch who refuse to help me and my credit score goes down every month
10/28/2022
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
NM
875XX
Web
Servicemember
Thank you so much for taking the time to help me, this has been an on going dispute for 4 months. The credit card that I'm speaking about is a ulta credit card, I will leave he numbers at the end of his message. I discovered a fraudulent use on my ulta CC after looking at my credit report on XXXX XXXX. My husband pays the bills '', he would pay all bills with a flat amount mostly above and beyond to pay cc off quickly. Bill pay is automatically set up. Please see statements. I called and spoke with customer service, twice in 3 days. I wanted an answer as to " why We have NEVER Received statements for this credit card '', what was charged on this card? Why is there only late fees and interest as charges? They could not give me an answer, I filed a dispute. I reported this card as fraudulent not my charges and paid in full ( over two years ago ) Unfortunately, my husbands mistakably continued to pay it. Lastly, asked OCC to remove a late 30day on my credit report. Also, in XXXX I went on line and registered for on line statements, I went as far back as the online statements would allow and there is nothing but late charges and interest. After four months of waiting for a response I called the credit card company to ask about the payment I didn't want another 30 day late on my credit report. And I wanted to know the resolution of the dispute. At this point when I called the credit card company, I was given the runaround, they said I needed to speak to a different department and when they would transfer me they would hang up on me. This went on for about two weeks, finally I called and asked for the manager and I demanded an answer. I was told that they did not approve the dispute because I had filed for a bankruptcy back in XXXX? I said that has nothing to do with this fraudulent credit card. They said I had to continue paying and they would not take off the 30 day late. I desperately need help in this situation please let me know if you have any other questions. They have never sent me a written report. I am requesting all my money back from the overpayment of a paid off credit card and the fraudulent charges on the credit card removed. Please let me know if you have any questions. XXXX XXXX XXXX XXXX last four digits of the credit card or XXXX To date ulta CC did take off the 30day late.
07/02/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
GA
XXXXX
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
10/14/2023
Yes
Credit card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with balance transfer
WA
991XX
Web
Older American
Without any knowledge of our XXXXXXXX XXXX XXXX XXXXXXXX card transfer to another servicer, ( Comenity ) we received a letter on XX/XX/XXXX from Comenity, that our payment arrangement with our previous servicer did not transfer. I paid no attention to this letter because I had paid off the XXXX card on XX/XX/XXXX and had put the card away and did not use it again. Our final payment was for {$3400.00}. We have proof from the bank of this payment and a confirmation of payment from XXXX XXXX XXXX. On XX/XX/XXXX we received a statement from Comenity that we have a balance of {$930.00}. I knew we had paid it off so I contacted Comenity and the issue was put into dispute. At this time we sent a letter showing the dates and amount paid and asked for any relevant statement to show that we have a balance. On XX/XX/XXXX they sent a letter " As stated in the previous correspondence dated XX/XX/XXXX, some information is missing to investigate your payment of {$500.00} is missing. We went to our bank and got proof from the bank manager of the {$500.00} that we paid. We then received a letter stating we have no record of your disputed XXXX signature payment. On XX/XX/XXXX we received another letter saying we contacted them about a missing payment of {$1100.00}. We did NOT contact them about this missing payment. All correspondence is very confusing. We sent a copy of all payments made when the card was with XXXX and copies of our statements. When we stopped using the card we forgot to change the auto payment that had been set up with our bank. It was {$35.00} per month. We failed to notice thaXXXX XXXX XXXX XXXXXXXX XXXX was receiving this each month. After our last payment they continued to take this payment monthly until XXXX of XXXX, ( 17 months ). We sent them a spreadsheet showing what we charged and what we paid and with the monthly auto payment we feel they owe us money. I also reached out to XXXX XXXX XXXXXXXX but they said they could not help us because not help us and gave us the Comenity phone number. I do believe they have sent us to collection. They have never given us anything to prove we had a balance when they took over the XXXX XXXX XXXX XXXXXXXX account. Each letter they have sent us they send us do not make sense. We have had a good credit score because we always pay our bills.
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
190XX
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.
07/31/2023
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
NJ
07306
Web
Comenity, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) is attempting to collect a debt of {$350.00}. In doing so, I was called a handful of times, some of which were on Sunday. Here is all of the times I was called within a 7-day period. I called and asked to speak with their legal department to resolve the matter without litigation but the customer service representatives were impolite and refused to give me any transparency information. They refused to provide the address to send legal matters and refused to prove a reference number for the call. The phone number for the Comenity customer service line I dialed is XXXX at XXXX. The representative was becoming noticeably aggravated with my questioning, refused to provide any information regarding their legal department ( including address ) and hung up on me.
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 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 Screenshots of the harassment are available upon request. They called me during church, work, sleeping, driving, showering, and all manners of the day at inconsistent hours. One person went as far as to call me at XXXX, because if they had called me one minute later it would have been a violation of the Fair Credit Reporting Act of 1976. The Fair Credit Reporting Act prohibits calls in excess of 7 times for any given week. It also prohibits from making calls on a Sunday or at an inconvenient hour. I believe my rights in this matter have been violated. Comenity has refused to comment, refused to provide information, and has harassed me for the past week. More information regarding this complaint is available upon request.
04/25/2018
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt was result of identity theft
MD
208XX
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.
12/14/2023
Yes
Credit 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
NJ
070XX
Web
On XXXX XXXX XXXX I went to the XXXXXXXX XXXX in XXXX, New Jersey to get gasoline. Self-service is not permitted in New Jersey ; the attendant must pump the gasoline. I handed my Comenity AAA Travel Advantage credit card to the attendant, who pumped {$27.00} worth of gasoline. After the attendant pumped the gasoline, he gave me a receipt. I neglected to notice, however, that he did not return my credit card. As this is a credit card that I use almost exclusively for gasoline, I did not notice that the credit card was missing until XX/XX/XXXX, when I next needed fuel. That day, I logged into my Comenity account and saw that on XX/XX/XXXX, an additional charge of {$24.00} had been made at that same XXXXXXXX XXXX. That {$24.00} charge was unauthorized. Additionally, on XX/XX/XXXX, three more unauthorized charges of {$46.00}, {$20.00}, and {$38.00} had been made at that same XXXXXXXX XXXX for a total of {$120.00} in unauthorized charges. I then filed a police report with the XXXX Police Department on XX/XX/XXXX, and also filed a fraud report with Comenity, where I identified the XXXX fraudulent charges. On XX/XX/XXXX, XXXX Police informed me that it had arrested the attendant ( XXXX XXXX ) ( XXXX XXXX XXXX ) for theft of credit cards and theft by deception. XXXX XXXX is due in court in XX/XX/XXXX. I informed Comenity 's fraud department of these developments.
Although Comenity originally removed the four fraudulent charges, it re-inserted them on XX/XX/XXXX, as I discovered on XX/XX/XXXX. On XX/XX/XXXX, I spoke at length to Comenity 's fraud department, who told me that although it would investigate further, such investigation would take at least 2-3 weeks, and the fraudulent charges would remain on my account in the meantime. On XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating that it could not identify any evidence to support a fraud claim -- which surprised me, considering that I had previously given them the police report number, as well as the name of the person who had been arrested.
I want the {$120.00} to be taken off of my account immediately. In view of the many conversations I have had with Comenity ( with no success yet ), I feel compelled to file this report. It appears that Comenity did no investigation before denying my fraud claim without explanation.
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.
08/25/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Problem with customer service
NC
28601
Web
Older American, Servicemember
On or around XX/XX/2022 I was updating my repeat order on XXXX and received a message asking me if I wanted to apply for a XXXX XXXX XXXX so I did. After waiting over a month for my card I finally decided to call and find out where the card was. I was concerned that someone else might have received my card in the mail. After numerous attempts, On or around XX/XX/XXXX, a month after applying for the original card, I was not able to reach XXXX XXXX - XXXX - by phone so I called XXXX XXXX - XXXX - where I was finally able to get a supervisor to ( supposedly ) cancel the card and send a new card which arrived sometime in XXXX - over a month an a half after signing up for the original card.
Upon receiving the second card, I immediately activated the card via the XXXX phone number on the card. After activating the card, I tried to register for online access at comenity.netXXXX but was unable to do so. No matter what I tried to do ( forgotten password, forgotten user ID etc ) I would receive Big Bright Red Error Messages that worried me due to the unprofessional appearance of these messages. After unsuccessfully trying to reach a customer service rep at XXXX XXXX by phone ( again ), I decided to call XXXX XXXX ( again- not XXXX XXXX XXXX ) at XXXX ; but like myself, the XXXX XXXX rep was also unable to reach XXXX XXXX XXXX by phone so they transferred me to a XXXX XXXX supervisor. The supervisor was also unable to reach XXXX XXXX by phone so I asked her to cancel the second card. By this time, I no longer wanted a XXXX XXXX XXXX.
Now on XX/XX/XXXX, I need to confirm the 2nd card was cancelled but, once again, no one will answer the phone at XXXX & I can not gain access to XXXX XXXX online at comenity.net/XXXX I don't know if this is because the card is cancelled or because the website and customer service line are both still not operational.
There is something very odd going on with XXXX XXXX XXXX 's website and customer service line.
I need to confirm that this card is cancelled right away.
Also, I do not feel comfortable knowing that XXXX XXXX ( comenity.netXXXX ) has access to my data and want them to removed all of my personal information from their database right away. I would like confirmation that they have done so.
I do appreciate your assistance.
Thank You.
05/31/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
GA
30318
Web
Please note : Phone calls are not permitted in this legal matter.
On or about XX/XX/XXXX a promissory note in the form of an application was given to CFO XXXX XXXX dba BREAD FINANCIAL HOLDINGS, INC and/or affiliates.
Upon my research and investigation I have found out that my application and/or agreement were in fact exchanged for federal reserve notes at their local Federal Reserve Bank XXXX XXXX over the counter ( as I pay fees and interest on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities that were taken from my estate.
On XX/XX/XXXX I XXXX, XXXX on behalf of XXXX XXXX gave first notice XXXX XXXX XXXX XXXX that I accept all XXXX XXXX Rights, Interest and Equity owed to XXXX XXXX. Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( bill ) offered to me.
I have given XXXX XXXX XXXX 5 business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff I was met with a notice from their organization saying that I sent XXXX XXXX XXXX a cease and desist ; where as you can clearly see in the notices you have ( same notices XXXX XXXX has ) it says to contact me in writing. NOT to cease and desist contact.
Since then I have sent out 3 notices ( 3 tiers ) totaling 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the Federal Reserve Act Section 29 ; and now I am here to properly have XXXX XXXX XXXX and/or BREAD FINANCIAL assessed.
They're in XXXX of XXXX for inferior performance of their fiduciary duties. At this point they're in the know of this breach and I would consider their actions to be scienter.
The contract signed had no consideration on their part since they never loaned me any of their own money and/or assets ; instead they exchanged my promissory note ( Which had a cash value equal to the bank loan they Supposedly gave. ) Meaning, I loaned myself the credits they give me on the credit card and am being extorted for extra monthly payments and interest on top of what I have already gave them.
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.
10/04/2023
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
NC
272XX
Web
Over the last couple months, I have received repeated calls that show up as " No Caller ID ''. I receive such calls multiple times a day, almost every day ; they do NOT leave messages, and they do NOT identify themselves. I have attempted to answer calls received from No Caller ID multiple times, only to have the caller hang up on me. I unmasked the number using the copy/paste function on my XXXX, and " No Caller ID '' comes from the same number each and every time ( XXXX ). I have attempted to call this number in an effort to uncover the identity of my harasser, but my calls are blocked! I even paid for an online report to identify who is behind these calls, and I discovered it is a CELLULAR phone. Today, I answered such a call and was finally able to access an automated interactive menu, albeit without an option to speak with a live agent. The automated menu identified the caller as Comenity Bank. I do owe them money right now -- my mother was injured in an accident and I have been out of work caring for her since the end of XXXX. I plan to pay my balance, in full, within the next 10 days, when I receive my NC pension refund, after having left my position as a XXXX XXXX so that I could continue to care for my XXXX mother.
It is my understanding that repeated calls are harassment and, therefore, illegal. I do not know if the following also qualifies as harassment, but I personally find it *incredibly* harassing to have a so-called legitimate business call from " No Caller ID '', ( and from a cell phone, at that! ) as they are intentionally masking their phone number so that I can not identify them or return the call. In masking their identity, they are hoping I will be caught off guard if I answer their repeated calls, which only speaks to the aggression with which they go after debtors. Maybe this is too much information, but I was once in an abusive relationship, and I just get REALLY nervous and anxious about repeated calls from someone who is intentionally trying to mask their identity. That stress, to me, far outweighs the LESS THAN {$300.00} that I currently owe to this creditor. This company has been in hot water before, but yet continues to use predatory tactics with their consumers. It is despicable, and I will close my account the moment my balance is paid.
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
XXXXX
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
945XX
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
223XX
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
448XX
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
07/28/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
NJ
076XX
Web
I have a Comenity Bank Comenity Card MasterCard account. I received a letter in the mail for a company that I have autopay set up with to use my Comenity Card MasterCard. The letter stated that the autopay charged had been rejected by Comenity. I was confused so I took my card and called them. They stated that they had noticed suspicious transactions. These transactions were to a thing called " XXXX '' or something like that name. I told them I didn't know what that was or who charged that. So the agent said they would get me a new card number. A note about these " fraud '' charges is that none of them ever went through according to Comenity they were all denied. This was all fine. I then on XX/XX/2023 received a letter in my online Comenity Mailbox. The letter has been attached to the below complaint. The letter was a request for documents from me. These documents were very personal such as Drivers license, Social Security Card, and Bank Statement. I sent these documents in. I called Comenity 2/3 days later and I was told that my account had been closed. I was offered no explanation other than your documents failed. I looked over what was send and realized at my fault I did NOT attach the Back of my Social Security. I even took the picture I just didn't include it in the email. The back of the social security card includes no information so I don't know what they what it for but fine. I called them back and was offered no resolution. However this is unfair. The letter states " We value you as a customer and apologize for any inconvenience this may cause. If you have any further questions about your account, please call us at XXXX ( TDD/TTY : XXXX ).
We will be happy to help you. If we do not hear from you or we do not receive the requested documents within 30 days from the date of this letter, your account may be permanently closed. '' I have 30 days from the date of the letter ( XX/XX/2023 ) to send the requested documents. So it is not right that I am not allowed to send the back of the Social Security Card. I need a resolution to this as this is damaging to my credit. I am retired XXXX who volunteers and do not want damages to my credit score. I value Comenity as a bank and have enjoyed working with them. This is a very bad customer experience however.
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
07/08/2023
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
MA
024XX
Web
I was mailed an advertisement from XXXX bank that was in my name saying : " Activate your new XXXX XXXX XXXX XXXX XXXX credit card and earn {$100.00} cash back when you spend {$2000.00} with your card before XX/XX/2023 '' After receiving this, I activated the XXXX card I received earlier in the mail. I spent the {$2000.00} with this card before XX/XX/2023.
I called Comenity in XXXX, asking where the {$100.00} cash back was and I was told I needed to wait 90 days but that I already met the promotional terms.
After waiting 90 days, I called XX/XX/XXXX and talked with XXXX. ( Customer rep # XXXX ) I was told that I met the promotional terms and that I would see the money in a few days.
After waiting a couple of days, I called XX/XX/XXXX and spoke with Mikala ( Customer XXXX # XXXX ). At this point, I was told that I would not receive the {$100.00} because the advertisement was mailed to me in error. I asked why I was not told this in any of my previous phone calls and XXXX could not explain why.
The rep then offered that a letter was sent XX/XX/XXXX informing customers that the offer was issued erroneously. I asked why I haven't received it or why the letter was sent out so much later than the original letter and XXXX could not explain why. I asked how they could send such a letter after XX/XX/XXXX ( the spending deadline ) and was not given an explanation. I asked for a copy of the letter and XXXX explained that should could not give me a copy.
I have met the terms of the promotion ( of this there is no dispute ) The company simply does not want to pay me because they claim the offer that was mailed to me personally in error. I did not receive this letter and even if the claim is true that they did send the letter, the rep said the letter was mailed XX/XX/XXXX, at least XXXX months after the promo was sent out and past the date when the promotion ended!
I have never made a complaint with the CFPB before and I've never had an incident where a bank refused to comply to its own terms written to me personally. I am simply asking for the {$100.00} promised in the promotion. If I did not receive this promotion, I would never have spent {$2000.00} on this card I have attached the promotion below that was mailed to me personally with my name and address.
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
027XX
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.
11/01/2023
Yes
Credit card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
TX
75068
Web
In XXXX, I made a purchase from XXXX XXXX and opened an account with XXXX XXXX, then called XXXX XXXX XXXX. In XXXX, I received the first bill for the account and attempted to make payment online. I received an error saying I had to contact customer service. XXXX XXXX customer service told me that my XXXX credit account has been moved to another bank called Comenity Bank, and I should wait to receive a letter from Comenity bank on how to access my " XXXX XXXX account ''. After some time, I received a letter from Comenity bank with directions on how to access the new account on their website, but stated that the website will not be available until XX/XX/XXXX. I was away on a business trip during this week and returned on XX/XX/XXXX, which was also the payment due date. I was finally able to create the online account and make the payment, but it said that the payment would be processed the next business day, and the payment is late. I immediately contacted their customer service to explain the issue, and they told me that there would not be any late fee or penalty due to the account conversion. I waited two weeks and checked the Comenity website again and it showed that I was assessed a late fee on XX/XX/XXXX. The website also showed that there is an XX/XX/2023 statement with payment due in XXXX, but I never received this statement/bill either in the mail or in email. I contacted Comenity again to inquire why I am not receiving any bill, and the customer service representative told me that they do not send out a statement, I have to log in to the website to find the statement and just remember to do that every month. I asked how I can receive an email or text message alert when a new statement is available or when a payment is due, but again was told they don't offer any such alerts. I informed them that it is highly unusual and irregular for a bank or other credit/lending organization to have a revolving credit account but without sending out a monthly statement or alert that a payment is due. I believe that the failure to properly convert the account from XXXX to Comenity, which incurred late fees through no fault of my own, and potentially impacted my credit score, and Comenity 's refusal or inability to send a monthly statement, are both illegal.
06/29/2017
Yes
Money transfer, virtual currency, or money service
Mobile or digital wallet
Unauthorized transactions or other transaction problem
MD
207XX
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}
10/22/2023
Yes
Credit card
Store credit card
Fees or interest
Charged too much interest
CA
94611
Web
Older American
During XXXX of XXXX I was offered a discount to open a charge card at the store XXXX. The card is offered by Commenity bank where I have another regular charge card. On a balance of about {$120.00} I first made a payment of about {$25.00} and then paid the balance in full before the due date on the next cycle in XXXX. Since I had a XXXX balance, I assumed I did not owe them any more money ( and was having a hard time accessing the account online as I was having medical issues to deal with ). When I finally accessed the account a few months later, they had charged something {$2.00} in interest, then charged me late fees for not paying it. When I called them they cited a 'minimum interest charge '' they had a right to charge. While they removed all the charges, by then I had 3 over 30 day late payments on my credit report, causing multiple other credit cards to increase their interest rates. When I called to ask them to remove the late payments, they restated they had a right to charge me this and that it was in the fine print on the disclosures. I read ALL the fine print, on line and on the credit card statement and could only find that if you paid on time there was no additional interest. As of now, I still have the late fees on my credit report, which has gone down at least 100 points if not more at times as a result and at least one credit card reduced my credit line on the one card I kept money available for vehicle emergencies leaving me with no recourse for emergencies. I mailed a request to have the reporting reversed this spring ( XX/XX/XXXX ) and they refused. I ran into the same problem with my XXXX XXXX card held by XXXX but at least I knew to look for it and just paid the extra XXXX even though I had paid the card in full and on time. I spoke with someone today at another company who said they had been in the business 20 years and never heard of such a thing. So, maybe YOU can get them to take the erroneous reporting off my credit report. I've attached the first statments showing the balance, the second statement showing I paid in full AND that they then charged {$2.00} interest on the XXXX balance, and then the statement where they wrote off the then {$100.00} dollars in late fees and owed me {$2.00} which they did pay me via check.
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
XXXXX
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
01/09/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
VA
24060
Web
Older American, Servicemember
We are writing to obtain assistance in receiving a refund of money paid to Comenity Bank ( XXXX XXXX XXXX, XXXX, OH XXXX ) to settle an account. Most of the particulars are in the attached letter to Comenity ( XXXX ), and we would ordinarily give them time to respond. However, they have been less than responsive in spite of numerous telephone inquiries, and we have no reason to believe they will change their stance.
In addition, we are concerned this may represent part of a pattern of delay designed to reap extra late fees for the company by not promptly crediting payments and/or crediting them to the wrong account. Both are documented in the attached correspondence ; we dont know if this is a singular occurrence, or if it involves many other customers.
Since opening the account, we have noticed several attempts to charge interest and fees in spite of paying her account timely. This has been due to late crediting of payments and failure to honor terms of the rewards program in which she is enrolled. Indeed, during the last month, the company imposed {$10.00} in interest charges in spite of a XXXX balance at the close of the previous statement ( see XXXX and XXXX ) We are submitting evidence that our bank has paid the items in question ( red arrows on document XXXXg ). That document is from the banks website ; we do not as yet have an account statement. We will give permission to confirm payments with the bank.
Our biggest concern is with the series of events documented in our letter to Comenity. We think they may have purposely delayed crediting our check payments to collect additional late fees and interest. Thinking the checks lost, we initiated payments at the last minute on the banks website to avert such fees. However, when the bank found the checks, nearly a month after the first one was mailed, we were left with a substantial overpayment, which wed like refunded.
In addition, the bank claimed not to have received XXXX of the payments, until, after hours of fruitless discussion, a XXXX discovered it had apparently been credited to the wrong account.
We are asking for you to investigate to assist us in getting our money back. We also ask for you to see if you have a pattern of complaints involving other customers of this bank.
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
322XX
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
211XX
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
523XX
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.
02/01/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
MA
015XX
Web
Older American
Comenity Bank is the credit card servicing bank for BJs MasterCard. In my invoice for XX/XX/XXXX, I noted a late fee of {$41.00} added to the amount due. I submitted payment on or before XX/XX/XXXX with an expectation that the payment amount would be processed in advance of the stated due date of XX/XX/XXXX. I contacted Comenity Bank using their online Customer Service portal ( see copies of communications attached ) who indicated that they would remove the late fee. I made an additional payment of {$170.00} on XX/XX/XXXX with the expectation that this would certainly be processed well in advance of the stated due date of XX/XX/XXXX. Unfortunately, my XXXX XXXX showed a late fee debit of another {$40.00} and no indication of the receipt of the amount submitted for payment submitted on December 29, 18 days before the due date! I have submitted a payment in the amount of {$200.00} via my personal bank XXXX XXXX Bank ) online BillPay dated XX/XX/XXXX with the expectation that this payment will be processed at Comenity Bank as of or prior to the stated due date of XX/XX/XXXX. I am not hopeful that this payment will be acknowledged by Comenity by that date.
It is my belief based this history of their refusal to acknowledge receipt of amounts tendered via the XXXX XXXX XXXX online banking application in a timely manner, Comenity Bank is engaged in a fraudulent banking practice, intended to obtain significant financial profiteering via the manipulation of the electronic banking system and deliberately and intentionally denying receipt of funds tendered in a timely manner. In todays current use of electronic money transfers between and among banks and banking institutions, it is unconscionable that Comenity is allowed to engage in such fraudulent actions which in effect amount to theft. I can only XXXX the total amount of funds obtained through this practice on a nationwide scale, even if limited to BJs customer Mastercard accounts.
Please feel welcome to contact me should you require any additional information.
XXXX : I note that the XXXX bill from BJs includes a note indicating that as of XX/XX/XXXX, the BJ Perks Mastercard program will change from Comenity Bank to XXXX XXXX. I wonder why this change was determined to be necessary by BJs.
08/03/2017
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CA
928XX
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.
02/27/2023
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
85383
Web
On XX/XX/XXXX, I made a {$7000.00} purchase at XXXX XXXX XXXX and was offered a 0 % interest to XX/XX/XXXX store card through Comenity Bank.
- on XX/XX/XXXX, I paid the card in full in the amount of {$5900.00}. I miscalculated and the amount was overpaid by {$200.00}.
- on the XXXX statement, the overpayment was shown and it indicated the {$200.00} would be refunded within 30 days.
- on the XXXX statement, a Fraudulent charge of {$120.00} on XX/XX/XXXX showed up, a charge I did NOT make.
- I immediately called in and was told that the charge was erroneous due to them changing over a billing system and that it will be reversed and refunded. I also asked to close the card, but the representative asked me to wait until the refund has been issued before closing the card.
- It is now XXXX and I still have not received a refund and see that Comenity is still reporting the account open with a balance due on my current credit report.
- I called in early XXXX to inquired again about the charge and refund on was told they sent it and will send it again.
- Today, XX/XX/XXXX I again called in regarding the Fraudulent charge and was told by a representative named XXXX that my account was closed as of XX/XX/XXXX. I asked her about the fraudulent charge and refund, she THREATENED me that IF she were to open an investigation that I will be responsible for the charge and will OWE Comenity an additional {$120.00} since the account is closed. An amount that Comenity NEVER returned to me in the first place, but I will have to OWE THEM additional?
*Comenity has a Secured Messaging board, however after you are done composing your message and attempt to submit it, an error message appears asking you to try again at a later time.
Comenity is a dishonest credit issuer. They should better train their employees to properly review transactions and respond to customers OR place a better system so that FRAUDULENT/BOGUS charges just don't " show up '' on consumer accounts.
At this time I just want Comenity to properly issue my refund and accurately report to the credit bureaus that my account is PAID IN FULL, ON TIME AND CLOSED. That seems too much to ask for of this bank. This has been the most frustrating experience I have had with a bank thus far.
10/26/2023
Yes
Credit card
Store credit card
Problem when making payments
Problem during payment process
WA
99163
Web
On XX/XX/2023, I submitted my regular ontime payment via XXXX, a 3rd party payment processor, as I have done for at least the past 6 months, and on XX/XX/2023 the payment was returned due to invalid account number, which is absolutely an error due to the fact all of my past payments were processed under the same account number and I was not informed that my account number changed. On XX/XX/2023, my bank sent a balance transfer payment for the complete balance amount via snail mail to the same account number to the payment address on my credit card statement. After XXXX business days my account was NOT updated to reflect that the payment actually posted, so I sent secured messages at the Comenity Full Beauty website, and on XX/XX/2023, Comenity sent me 2 letters, the first claiming it would investigate the dispute, and the second letter requesting more information on the payment. On XX/XX/2023, I received the proof and letter from my bank with verification of the payment, the account number, and payment address. O sent this information via certified letter and uploaded it to the secure message site as well. I also researched Comenity 's defective business and operational practice of failing to process snail mail payments it claims as a valid payment option for XXXX 's of consumers. I have discovered that Comenity 's claim to consumers that snail payments are a valid payment option, are in fact actually unfair and deceptive business practices in that Comenity knows but doesn't report to consumers that it actually has no intention to process snail payments and in the alternative frustrates the process by not confirming receipt and processing such snail payments to fraudulently induce consumers ( and their banks as in my case ) to only accept online via Comenity 's website electronic payments and all others to fraudulently claim no record or receipt of consumers ' snail payments which has caused me countless hours of time and energy and frustration only to find out that this is a fraudulent business practice including failing to correct some Artificial Intelligence technology or through it's IT Department to correct the problem so consumers can have their snail payments processed properly and without undue countless frustrating efforts.
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
190XX
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
193XX
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
683XX
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
498XX
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.
06/27/2023
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt was result of identity theft
PA
17325
Web
I was the victim of XXXX and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the XXXX of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX XXXX XXXXnd these issues are hindering my ability to house my XXXX XXXX and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( XXXX ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all XXXX reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
I am unsure why either ZALES XXXX XXXX would have had a XXXX response, as the report shows Comenity is the " owner '' and the accounts were sold.
My report shows both accounts XXXX responded to me as " owning '' originate with comenity capital ( as does a Victoria 's secret card that is not mine ) not XXXX. I have never had a XXXX account of any kind.
The XXXX account is listed as XXXX and is listed as XXXX and XXXX owed and opened in XX/XX/2108.
IF the Victoria 's Secret Card is also XXXX 's, and once Again ALL XXXX are listed as XXXX XXXX on my report, that would also need deleted.
The account, account number XXXX, reference number XXXX XXXX XXXX on XX/XX/2017 and was opened with Victorias Secret. The Zales account account XXXX XXXX XXXX, formerly Zales is listed as Comenity.
ALL THREE should also be referred to the collections agencies they were sold to for deletion immediately.
06/09/2021
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account status incorrect
TX
750XX
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
381XX
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.
01/06/2023
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
786XX
Web
My credit report shows that XXXX points were taken off my credit score on XX/XX/2022, and the last company to run my credit score was XXXX XXXX XXXX XXXX in XXXX XXXX XXXX by a manager/salesman through Comenity bank and XXXX and I was denied the financial loan for XXXX rings. I recently got mail from XXXX of the Finance companies ( Comenity Bank ) stating that I was denied for Fraudulent behavior on my XXXX score, letter was dated XX/XX/2022 and my Alert for the XXXX was dropped on XX/XX/2022 per XXXX and XXXX Report. The last company before this occurrence was XXXX XXXX for a credit card I was approved for.This fraudulent activity can only be linked to XXXX XXXX Jewelry and Comenity bank and/or XXXX. Comenity bank report to XXXX. Me and my has been looking at out credit reports per all three credit bureaus and there are very weird companies and credit runs from around that time as well as, Comenity bank shows up on my wifes soft inquires on XX/XX/2022 and we only was introduced to that finance company on XX/XX/2022 At XXXX XXXX XXXX XXXX. A month after that first soft inquire was dated as. Comenity bank popped up twice on mine for that day XX/XX/2022 on my soft inquires. This Still has not justified the XXXX points taken out on XX/XX/2022. We have noticed alot of soft inquires from various companies on my wifes credit report per XXXX since then. In which per XXXX they have her social security number incorrect as well. We do believe ( not sure ) that this Fraudulent behavior does has to do with the manager/Salesman and the Comenity bank. I would like to open up an investigation on the behalf of this and pursue legal action for this behavior. The XXXX was the one that ran us for the loans, Comenity bank is showing odd behavior with there deny on me and ONLY being on my soft inquires as well as showing up on my wifes credit report a month before they were introduced to us and the XXXX points that are not justified, seeing how I was denied before the date XXXX reported and verified the points were taken off my credit score. Also, I would like to speak with an agent regarding this matter, due to the fact there is more information regarding this matter, personally. This is 100 % fraudulent behavior and needs to be handled!
01/14/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
FL
334XX
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!
11/14/2022
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
NV
89129
Web
I, a XXXX XXXX moved about {$26000.00} into bread savings on XX/XX/2022 in order to take advantage of the high yield savings. After waiting my XXXX hold for funds to be cleared, I decided to move {$1000.00} back into my funding account in order to pay some bills. I was then restricted when attempting to move the funds. I called customer service, and they told me that my account was opened recently and that I needed to wait the 9 days, yet it had been over 14 days. They then told me there was a security concern with my account and that was why they had a restriction on it. I then received instruction on how to life the restriction by sending in SSN card, government ID, and proof of ownership of the funding account. After doing so the account restriction still remained. After several attempts to contact the account restriction team, and ask what more needed to be done to lift the restriction and I was met with no solution. Instead I was told that the account was being closed per the account agreement. I attempted to ask why they were doing that, and they said that the information could not be given to me. I thought that it was my right to know of suspicious activity with my account, considering there was sensitive information shared on the encrypted chat ( ie SSN, drivers license. ) They then told me the money in my account would be transferred back to my funding account in 3-5 business days. This began around the end of XXXX. I can not get the exact date because my account keeps getting locked. I then called to get an update on the transfer after 5 business days and they told me it would appear in my funding account the following Monday. It is now the following Monday, and I sent a message to get another update because I need this money to live. I them received this message, " My apology for the delay. I do not see the transfer of your funds processing and the account is still rest [ r ] icted. '' The fact that this long promised transfer has not even been started and I have been heavily misled by many employees about the status of my savings and security of my funds. I have had no choice but to alert the CFPB, which brings me to here, XX/XX/2022. Over a month after my money was originally moved to the savings account.
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
333XX
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.
01/25/2023
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
MI
48237
Web
I made a purchase for {$800.00} to Comenity Bank Using my XXXX account. 5 days before the bill was due I received a statement in the mail so I went online but was unable to access my account.
Access to my credit card account on-line is almost always non-existent. You can't see your transactions, balances, rewards, or anything. It always says " a technical error has occurred ''. When you try to change a password it says there was a technical glitch. This happens over and over and over again. Call Customer service and they just tell you management is aware there is a problem. The real problem is that this reoccurred for 3 days constantly! Nevertheless I finally get a customer service representative on the line 3 days later and explain what's going on and she advises me that I have 2 separate accounts and the one closed was the one I was trying to log into!! To my surprise I explained that I had used the card have a statement and had been unable to make payment. The representative apologized and accepted my payment by phone ( I recorded conversation ). She said as a 1 time courtesy she would waive the late fee and interest due to problems I had accessing the account. I decided to close the account and pay the bill in full right then {$800.00} XX/XX/2022.
Fast forward 30 days and I receive a statement from Comenity Bank for {$40.00} indicating it was for a late fee. I immediately called them and explained that it was waived by their representative and they told me that they can not waive a late fee on a CLOSED account. I explained that I had closed it myself and again they said it was a valid late fee. They reported this {$40.00} late fee as seriously delinquent 30 days past due on my credit report!! Fast forward 60 days and now I owe {$110.00} for all interest, late fees and this is illegal!!
Comenity Bank is not a bank. It seems to be a haphazard accounting system that charges {$2.00} interest for simply having the card, then compounds the interest monthly and sends a {$40.00} late fee at regular intervals with a threat that this matter will be turned over to a credit bureau.
I have received a downgrade from another creditor ( XXXX XXXX ) in writing because they stated adverse information on my credit report.
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
393XX
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.
07/29/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
VA
22204
Web
I received an IKEA Projekt credit card from Comenity Bank in XX/XX/XXXX. I ended up on 3 different promotional plans. One to expire XX/XX/XXXX. I made regular monthly payments of {$500.00} beginning in XXXX. In XXXX, I noticed a {$680.00} balance from the original amount of {$880.00} due on this " promotional plan. '' I called on XX/XX/XXXX to ask for the XXXX payment of {$500.00} to be allocated toward the remaining total. The representative stated the most she could allocate was {$190.00}. This was subtracted from my account on XX/XX/XXXX, and then added again on XX/XX/XXXX. My XXXX stated that my new balance was {$380.00}. See cut and paste from the bill below : PURCHASES & CHARGES XXXX PAYMENTS & CREDITS XXXX A {$190.00} CHARGE was ADDED to the XX/XX/XXXX promotional plan even though that was not reflected of new purchases. I called in XXXX. I made a {$500.00} payment, and an additional {$150.00} payment, per the advice I received. I called on XX/XX/XXXX. The remaining balance was the {$190.00} that I should not have had to pay at all, due to the fault in their allocation system. But because I wanted to avoid an interest payment or credit penalty in just a few weeks, I paid an additional {$390.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. All of these payments SHOULD have resulted in the XX/XX/XXXX payment being paid off as of XXXX, but instead I ended up with a {$2.00} interest charge for XXXX and XXXX, and that amount was outstanding on my bill. During a XX/XX/XXXX call, when I wanted to receive absolute assurance the account was paid off ( which I received ), I asked for an investigation. XXXX, the supervisor gave me a case number : XXXX XXXX XXXX. I made another regular {$500.00} payment on XX/XX/XXXX. I still had the {$2.00} fee on my XXXX bill. I called on XX/XX/XXXX, and received a {$4.00} credit for the interest charge and I was informed the {$2.00} charge was removed. I was also assured my credit was not affected. I was also told she would launch an investigation- but I was told that XXXX misinformed me, and no such investigation was launched XX/XX/XXXX as promised. *** The minimum payment due changed on each statement. But it ranged between {$230.00} to {$290.00}. I was always paying {$500.00}.
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
242XX
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.
11/21/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Problem with a company's investigation into an existing problem
Their investigation did not fix an error on your report
PA
186XX
Web
I took notice to inaccurate information on this account from XXXX, victoria secret.
The first inaccuracy is that the account numbers are reporting differently on XXXX, XXXX and XXXX. This is already grounds for removal pursuant to the fair credit reporting act. The FCRA says that everything must be maintained with 100 % accuracy however, both XXXX and XXXX are reporting the account number [ XXXX ] while XXXX XXXX reporting this account number [ XXXX ]. This is only one account and it can not have to completely different account numbers. You now clearly have reason to believe that the information reported is inaccurate. I also included a screen for further evidence.
The additional inaccuracy is that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.
Pursuant to 15 USC 1681b This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late.
I request that you mail me a copy of the complete consumer file that you maintain concerning me and this account after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.
If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the accounting records, the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
08/04/2023
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
27330
Web
Older American
1. Credit card previously issued for XXXXXXXXXXXX XXXX XXXXXXXX ( issued by Comenity Bank ) 2. A charge in XXXX, XXXX that I never received a bill for and I have always received paper statements on this account in the past when I used it. I that I have not used this card since XX/XX/XXXX.
3. I received a call from Comenity Bank and I called them on XX/XX/XXXX. I spoke to XXXX XXXX. XXXX told me I had a balance of {$370.00} and come change that was charged in XXXX, XXXX. I told him I had not used the XXXXXXXX XXXX XXXXXXXX card for several years. I used this card for XXXXXXXX XXXX XXXXXXXX purchases only. The card has XXXXXXXX XXXX XXXXXXXX name on the front of the card. XXXX said he would give me a full credit within a couple of weeks and would do research on this. I also told him to close that account. However, I received a bill on XX/XX/XXXX with a balance of {$410.00} to include a XXXX late fee. ( see attached statment ) 4. I have not purchased anything from XXXXXXXX XXXX XXXXXXXX since XXXX as the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX * as it closed.
XXXX. On XX/XX/XXXX, I called Comenity Bank Fraud Department and spoke to XXXX. She said she could see the last balance I had was paid off on XX/XX/XXXX and my account there was a balance of XXXX. I have the credit card I used and it is a XXXXXXXX XXXX XXXXXXXX card issued by Comenity Bank ( which I never realized as my statements came to me through the mail from XXXXXXXX XXXX XXXXXXXX ). XXXX assured and convinced me that this was taken care of at that time by her. I have not been issued any other card and have not charged anything to the old card plus I have not received any paper statements until after I spoke to XXXX and XXXX. ( see attached statements ) 6. XXXX said she was closing out the account on XX/XX/XXXX. She said I would receive a letter stating this and it would show a credit and there was nothing I needed to do. She said I would receive XXXX statement and then another statement showing this was closed out and would have a XXXX balance. She also said she would notify the credit bureaus. I told her I did a credit freeze and a dispute with XXXX Credit Bureau which I did. XXXX told me to contact the other credit bureaus too which I did.
10/10/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
OH
456XX
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
133XX
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...
08/31/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
VA
23451
Web
It is my bad fortune to have accounts with some companies that only offer Comenity as the servicer of their credit cards. However, after several months of poor servicing, I am convinced that Comenity purposely tries to make paying your credit card bills so difficult that you end up paying extra interest or service fees.
With 2 companies, in particular, XXXX and XXXX, you can ONLY take advantage of the better loyalty programs if you carry their store cards. However : 1 ) for a period of 6-8 weeks ( XXXX to XXXX of 2022 ) you could not even see your balance as their system was not working 2 ) Their online payment portal consistently goes through the motions of accepting your payment but then provides a message that they are unable to complete the payment and directs you to customer service 3 ) the automated customer service goes through the motions of taking your payment ( which takes about 5 minutes! ) & then provides a message it can not be processed and you must speak to a customer service agent & be charged {$9.00} 4 ) after holding for long periods, the agents take your information, make you hold, and hang up with no action taken.
Today, I had to make that call 3 times. 45 minutes later, I'm still unable to make my credit card payment with no explanation. Each time, after 10-25 minutes for each of the 3 calls, the rep would pick me up from hold and hang up on me. I called and asked to speak with a supervisor and was promptly hung up on.
On those few times when I have been able to speak with an agent, they tell me this happens to everyone. Can you imagine the extra interest & fees Comenity is collecting with such widespread abuse? One month of issues I wouldn't be so suspicious, but at 4 months, I have to think it is nefarious.
I feel strongly that this is a scam. The Comenity is intentionally making it so hard to pay your bill ( and I pay mine off monthly ), that you have no choice but to carry a balance, accrue interest, and pay unnecessary service fees.
While this has been happening to me, I just reviewed their XXXX page, and WOW! The issue is so widespread, that they have to be making a fortune off of consumers just trying to pay their bills. This company needs some government oversight.
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.
10/05/2023
Yes
Credit card
Store credit card
Fees or interest
Problem with fees
CA
90024
Web
I am XXXX XXXX, and I am filing a formal complaint with the Consumer Financial Protection Bureau regarding an incident involving a purchase I made at XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with Comenity Capital Bank sponsored credit card.
I was enticed by an offer presented by Comenity Capital bank in collaboration with the XXXX XXXX XXXX, which advertised that I would not incur any interest charges if I paid the total balance by XX/XX/XXXX. Trusting in the integrity of this offer, I decided to open a XXXX card account with your bank and made a substantial purchase of appliances totaling XXXX. I firmly believed that I would be exempt from any interest charges until the specified date of XX/XX/XXXX.
To my satisfaction, upon receiving my statement on XX/XX/XXXX ( see attached XX/XX/XXXX statement ), I discovered a warning on PageXXXX. This warning indicated that I needed to pay the sum of XXXX in full by XX/XX/XXXX to avoid accruing interest charges. I took this warning seriously and understood that prompt payment was essential to avoid any unexpected interest costs.
In response to this, I promptly made XXXX separate payments XXXX amounting to XXXX on XXXX ( as evidenced in the attached by the XX/XX/XXXX Closing Date Statement ) and another payment of {XXXX on XX/XX/XXXX ( as indicated in the attached XX/XX/XXXX Closing Date Statement ), totaling XXXX. I believed that I had taken the necessary steps to meet the payment requirements. To my dismay, despite my efforts, I was still charged XXXX in accrued interest.
What further exacerbated this situation was my subsequent discovery that buried within XXXX of the bank 's statement was an undisclosed " minimum payment '' requirement, which was never mentioned in conjunction with the " XXXX interest '' offer. This requirement was not provided in the XXXX XXXX XXXX on XXXX XXXX of the bank statement. It appears that this additional " minimum payment '' requirement was intentionally omitted from the warning, which is deeply concerning and unfair. This lack of transparency is highly disconcerting and has left me feeling deceived and frustrated.
I reached out to the company to refund XXXX accrued charged but they denied it.
03/27/2023
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
MA
014XX
Web
Older American, Servicemember
I purchased hearing aid services through Comenity Capital Bank 's XXXX on XX/XX/XXXX. We returned the XXXX XXXX and received a credit for most of what was owed, but had a balance of a few hundred dollars. On XX/XX/XXXX, I paid the balance on the account of {$120.00} online, which was due on XX/XX/XXXX. We assumed the account was paid and closed the account. On the back of the statement, it states if you pay the balance owed, there will be no further charges.
We received a statement dated XX/XX/XXXX showing our payment of {$120.00} received but the statement showed a minimum finance charge of {$2.00} owed. My wife ( XXXX XXXX ) called customer service to question the charge but they would not talk to her because the account was opened under my name ( XXXX XXXX ).
We received another statement XX/XX/XXXX charging, {$2.00} late fee, {$2.00} minimum interest charge and the {$2.00} balance from XXXX for a total of {$6.00} now due. I sent a certified letter on XX/XX/XXXX to request correction on the account, stating we had paid the balance in XX/XX/XXXX. I received a letter from Comenity Capital Bank dated XX/XX/XXXX stating they reviewed my claim and were researching it. They noted to allow 90 days to complete their investigation.
I have continued to receive monthly statements with increasing fees and interest added. On XX/XX/XXXX, I sent an email through their Secure Message Center on their website, asking for a response and why I was still getting charged for an account that was paid off on XX/XX/XXXX. I received an email back on XX/XX/XXXX stating they saw a dispute filed on XX/XX/XXXX and it would take up to 90 days to complete the resolution.
After receiving yet another statement dated XX/XX/XXXX, with more fees and interest, for a total now owed of {$99.00}, I sent another certified letter on XX/XX/XXXX asking for a resolution. It was now 120 days since my initial letter was sent on XX/XX/XXXX. I have had no response as yet and the account still shows a balance of {$99.00}.
I have also found out that they are reporting my account as delinquent to credit bureaus. I do not see that they have noted the balance as disputed. At XXXX XXXX XXXX, this has caused me great aggavation and distress.
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
100XX
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
11/30/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
CT
06605
Web
According to both XXXX and XXXX, the credit card provider, Comenity Bank, has not updated either credit bureau with accurate balance and payment information since XXXX of 2022. The existing balance is adversely affecting my credit score. The current balance on this card is {$1.00} ( XXXX XXXX XXXX XXXX XXXX ). I requested that the company update both credit bureaus and received the following email : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : Comenity Bank Sent : Wednesday, XX/XX/2022, XXXX XXXX ( ET ) To : You Subject : Re : Credit Bureau Reporting 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.
We recognize that you've recently made a payment, but it is not reported to the credit bureaus. I understand how this can be frustrating for you.
Because of a recent system update, we are not reporting account updates to credit bureaus while our processes get aligned for accuracy. We have our customers ' best interest in mind, and will soon resume our standard practice of providing updated account information to the consumer reporting agencies with each account billing.
On behalf of the bank, I apologize for the inconvenience.
If you have any questions, please click the reply button.
Sincerely, R.A Internet Customer Care Team -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The balance they last reported represents XXXX XXXX of my total credit line and is causing irreparable damage to my credit score prohibiting me from securing new credit lines at the best possible rates.
I have filed disputes with both XXXX and XXXX.
The inaction of this company to rectify this situation, and to provide such a trite response with no offer of resolution to the damage they are causing is egregious. And the financial damage they are inflicting to me is certainly affecting other consumers as well and could be basis for a class action or other punitive damages.
I would like this company to rectify my credit reporting immediately, and I urge the CFPB to investigate other consumers that are suffering the same damages.
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
XXXXX
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
XXXXX
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!
04/28/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
AZ
864XX
Web
Older American, Servicemember
XXXX XXXX - I was in the process of placing an online order on XX/XX/2022, when I stepped away for a few moments to find a code for a bonus item. When I returned to my computer, the order had been processed and I was denied the opportunity to enter the code. I then called customer service to complain, and was told I could not add the bonus item, nor could I cancel my order! The person I spoke to was rude when I questioned why I could not cancel my order since I had just placed it ( within 30 minutes )?
Comenity - XXXX XX/XX/2022, I went to Comenity online to pay the balance for the order I was forced to accept as there was no plausible way to return it without incurring more expense on my part as the order came piecemeal. I thought that my payment was accepted, however, when I noticed a few days later that I had not received a receipt via email, I went online to find that the payment had not posted. I again attempted to make the payment online and it apparently went through. Their records should show my login and attempts to process the payment well before the due date.
on XX/XX/2022, I wrote to Comenity with my card enclosed and requested that my account be closed and I be sent a final bill. That request was ignored as well.
I was alerted to their posting to my consumer credit account from XXXX XXXX. It appears that they refused to close my account, and instead added late payment charges and interest and then reported my account as closed in XXXX, 2022, with a balance of over {$300.00} for which they finally sent me a paper bill! I have been receiving harassing robo calls from Comenity ( sometimes 4 per day ) for months now despite having told them on the phone twice that I did not owe them anything.
It appears that XXXX XXXX is intent on forcing customers to place orders, then has glitches in their online payment system, then proceeds to trump up late and interest charges while refusing to close the account, harassing people by telephone, and then proceeds to destroy one 's credit rating.
As I have told them on the phone, all I want is the bogus charges and detrimental credit report removed. I will speak to a lawyer before I pay them another dime for an order I could not cancel!
02/19/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
OK
731XX
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
073XX
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
12/08/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
TX
787XX
Web
The IKEA Project credit card company refused to explain how they allocate my payments to the three promotional purchases outstanding which each have a different ending date on the promotional interest rates. I have three promotional purchase balances and one of which is set to expire on XX/XX/XXXX. After the expiration, that remaining balance will be charged interest. I am trying to avoid paying interest on that balance and have even sent in additional payments to be applied to that upcoming ending balance. The company when asked to explain how they determine how my payment of {$300.00} ( which is above the minimum due ) is applied to each balance, I am told they do not know how those are done and can not explain to me that I just have to keep making payments until the promotional balance is paid. I am not able to apply extra payments directly to a promotional balance. I have called many times and they are simply refusing to help or even give me guidance other than just to send extra payments in and then call in and request that money is applied, however the operators are not able to give an up to date remaining balance on accounts until the statement closes, so there is no way to know how much to allocate to each account. Today the company has disconnected my calls with them twice as I was trying to resolve this again. I call today, XX/XX/XXXX at XXXX cst for XXXX minutes and was disconnected, I called again on XX/XX/XXXX at XXXX and was disconnected after XXXX minutes on the line. I have not recieved a call back and I am still uncertain if any additional payments above the minimum due will be applied to the most current ending promotional balance. I should have control over applying payments to promotional balances especially those due to expire soon. My statements do not show the minimum due on each promotional balance, the statement just shows a minimum due on the account as a whole. There is not a way to understand how the company allocates the additional payments above the due amount to the remaining promotional balances. When calls are made to teh company to understand and clarify, the calls are meant with aggressive representative and calls are then disconnected purposely.
07/22/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
NY
11379
Web
I want to begin by stating that I am an employee at the CFPB. I have a XXXX XXXX XXXX XXXX which is issued by Comenity Bank. The purpose of using this credit card is to obtain 5 % cash back awards on purchases made at XXXX XXXX XXXX. You can then use the awards in {$10.00} increments while making a purchase at XXXX. The last time I was able to use my awards was on XX/XX/22. Since then the Comenity Bank XXXX Credit Card website posted several messages about a system update creating errors with their system. The awards portal has shown now for a month that they are currently updating their systems and you may see a delay loading your rewards. The account will be updated to reflect your correct earning activity as soon as possible. However, none of my awards have been accumulating on the Comenity Bank website and the BJs website is also showing me a notice when I log in that there is a system issue causing delay in posting awards. I assume this is because of the Comenity Bank issues. Since XX/XX/22, I have made XXXX purchases at BJs totaling {$970.00}. With the 5 % award calculation, I should have earned {$40.00} worth of awards for immediate use. None of these awards have been issued for my use at BJs. The Comenity Bank website shows {$20.00} earned and they have not been loaded onto the BJs membership account. Furthermore, each purchase is supposed to reflect the amount of awards earned per purchase, and since XX/XX/22, it has been showing {$0.00} awards earned per purchase. The last purchase I made on XX/XX/22, finally showed some earnings occurring, but it was not at the correct 5 % amount. The system calculated awards earnings of 1 % on the XX/XX/22 purchase. A representative at Comenity Bank attempted to assist me on XX/XX/22, but had no success in resolving anything as she stated the system issues still need to be resolved and that she could not make any adjustments within the awards portal. Additionally, one of the awards that is showing from the {$20.00} says it will expire on XX/XX/22. If this isn't resolved by then I am at risk of losing it strictly due to Comenity Bank 's system issues. I am requesting assistance in getting my awards situation resolved with Comenity Bank.
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.
06/11/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
NJ
077XX
Web
On Saturday XX/XX/2022, I received notification from XXXX XXXX that my IKEA credit card was closed. I called into IKEA customer service and spoke with three representatives. The first representative I spoke to I had to get an analysis on the line and speak with them to find the reason behind my card being closed. The reason she said my card was closed was due to inactivity. She said that on the bank side that my card was scheduled to be closed on XX/XX/XXXX of 2022 if a purchase was not made.
I told the representative that I just made a purchase on my IKEA card on XX/XX/XXXX of 2022 so how can my card be closed due to inactivity. I also informed the representative that I did not receive any notification at all not via email not via regular mail not via phone call or text message that my account was up for closure due to inactivity.
She was unable to give me an answer and told me to reapply for a card. I told her I did not wish to reapply because 1. The company closing my card has already negatively impacted my credit report and 2. If I reapply it will be a hard inquiry into my credit report and that will also drop my score.
She told me that there was nothing that she was able to do but she can escalate the situation to her supervisor.
So I spoke with her supervisor who agree with me that no notification was sent to me at all from the bank and that my account should not have been closed because I made that purchase in XXXX of 2022. She's unsure of why my account was closed and told me that the only thing she can do is escalate the situation further.
So I spoke with XXXX XXXX XXXXXXXX who told me that the only thing I'm able to do is to write into the bank explaining the situation and see what happens from there.
I believe is extremely unfair that my account was closed. It has negatively affected my credit score and there was no reason for the account closure. I did not receive any notification that the account was going to be closed due to an activity but regardless of that fact I did make a purchase and XX/XX/2022 which should have offset the account closure of XX/XX/2022. I will be writing a letter into the company but I feel the need to make this complaint as well.
08/15/2023
Yes
Checking or savings account
Savings account
Managing an account
Problem accessing account
FL
34243
Web
On Thursday, XX/XX/2023, at XXXX XXXX XXXX, I contacted ( via the web-based message center ) Bread Savings ( Comenity Bank ) requesting copies of my joint savings account statements. I elected to receive electronic statements when I opened the account last year. The statements are supposed to be housed in the Documents section of the online Dashboard for my account. However, no statements appear in the Documents folder, nor are the joint account statements anywhere to be found on the website.
At XXXX, a Bread representative responded, via the message center, that I can retrieve the statements from the Documents section of the online Dashboard. I pointed out that they were not there, and at XXXX, the Bread representative responded that the statements would be uploaded to the message center for my secure retrieval. I will receive them, the representative said, in XXXX business days. To date, I have yet to receive any statements for my joint account.
On Sunday, XX/XX/2023, I received ( for the second time ) a message from the Bread representative saying that my joint account statements could be found in the Documents section of the online Dashboard. As before, the statements were not there.
On XX/XX/2023, I again inquired through the message center as to where the statements are, and why they were not in the Documents section of the online Dashboard.
On XX/XX/2023, I received a message response from the Bread representative, that they are available to the primary account holder. Interestingly, I am the primary account holder, and the statements remained missing from the Documents section of the online Dashboard. This same day, I phoned Bread, and spoke with a representative who told me he would submit a request for my statements ( which I should have in XXXX days ), and would submit a tech ticket to have my Documents section populated with the statements.
It is now XX/XX/2023. I still do not have my joint account statements, either through the message center or available in the Documents section of the online Dashboard.
I am filing this formal complaint against Bread XXXX XXXX for its failure to timely provide me monthly account statements for my joint savings account.
03/27/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
939XX
Web
In XX/XX/XXXX, I mailed a check within a week of the due date, paying the balance off my newly opened Ulta Mastercard. The check was for the full amount. I also enclosed a note requesting the card be closed.
In XXXX, I received a bill stating the payment was late and I had a {$30.00} late fee because there was around {$4.00} in outstanding interest. My account was still open even though I had requested it closed. I called, spoke to a representative and explained the situation ( I had mailed the check with more than a week 's notice, paying the balance in full and asked the account to be closed ). He told me he would reverse the late fee and talked me into not closing the account. I asked if I had an outstanding balance, because I would pay it then on the phone, and explained I have good credit and didn't want another late fee or credit ding. He reassured me it was fine and my balance was XXXX. He also reassured me that I could call in the future and let them know if a payment was on its way by mail, they would make sure to mark it and no late fee would apply. I asked him to note on my account that I had called that day. Because he was so nice, I let him talk me into leaving my account open.
In XXXX, I receive a notice that I owed {$4.00}, I was being charged another {$30.00} late fee for the {$4.00} and they were placing the original {$30.00} late fee back on my bill, making my total payment {$70.00}.
I called on XX/XX/XXXX and spoke with three agents about the situation. I told them I had called in XXXX and been reassured there was no balance due. I was told the original late fee was being reinstated because I had now been late for two payments. I asked for the current balance, and immediately set up an electronic payment through my credit union so I would have documentation it was paid. I also asked that my account be immediately closed and that I have verification of the closure sent to me via email. They said they would mail it. At this point I gave up.
Beware, if you are in a bind and need to make a payment with the support of a representative, there is a {$9.00} charge for personal assistance. For this interest rate and the fees, that shoul dbe provided for free.
01/18/2023
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
XXXXX
Web
A credit card was opened in my name on XX/XX/2022. It was opened in my name under the Children 's Place/Comenity Bank XXXX I did not apply for credit with this company. There were Children 's clothes purchased on this account and were never delivered to my home address. I called the Children 's Place to inquire how this account was opened and why it was opened the first question they asked was my social security number and I hung up the phone. I have notified XXXX and XXXX and notified them of this incident. What else do I need to do? Comenity Bank started calling me at my place of employment. They got my son 's email address on the account however he did not open it. The reason we found out is that they sent him emails requesting to contact them as soon as possible. My son did some investigating concerning this company because there are many reports on the XXXX XXXX XXXX website concerning this Bank. Fraudulent credit cards are being opened and requesting payment of them. The XXXX XXXX XXXX has recognized pattern of complaints and have issued these alerts.
Pattern of Complaint : XXXX files indicate that this business has a pattern of complaints from a file review conducted on XX/XX/2022, utilizing complaints and reviews between XX/XX/2022 to XX/XX/2022.
Their communications allege : 1. Billing inaccuracies-failure to post payments to accounts in total or within an acceptable amount of time, failure to post credits from returns, no resolution to fraud cases causing consumers to be responsible to fraudulent activity and interest/late fees, continued billing for interest and late fees for accounts that are closed, and loss of rewards/cash back amounts due to consumers.
2. Customer service deficiencies-Extreme wait times to speak to a representative and lack of response or lack of resolution to issues.
3. Inaccurate reporting to credit bureaus-reporting balances on accounts that have been paid/closed and lack of reporting when balances are paid.
On XX/XX/2022XXXX XXXX informed the company of these issues in writing, with a follow up sent on XX/XX/2022. The business has not replied.
Please contact me if you need further information.
Please see the following attachments
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
062XX
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.
01/31/2023
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
CO
80817
Web
Servicemember
I have been attempting to use my Express store credit card issued by Comenity Bank for several months now, both in-store and online. Each time the card is declined. I have called Comenity Bank many times. The first time, I was told that the card needed to be replaced because it used 9 digits as the card number and they were replacing the card and account with a 12 digit number and a new card would be sent to me. After several weeks and not receiving a card, a called again and was told that there was a glitch in the system and the card was not sent but they would be sending it out that day. After several more weeks without receiving a new card, I called again. This time I was told that the account was restricted. I was transferred several times. Finally, I was told that the only note on my account was to contact the credit bureaus with no other details. I contacted all three major bureaus via phone. Two of them had no idea what I was talking about. The third one said it looked like a different Comenity Bank card had an error as it said my balance was {$10000.00} more than the limit which shouldn't be possible. I filed a dispute. Several weeks later the company verified that it was an error ( there was no balance ). Again, this was a completely different account. Once I verified that it was corrected on the credit report, I called Comenity Bank again, again having to re-explain everything. I was told that no manger was available but that the account was still restricted with no notes as to why in their system. I have called 2 more time since then and each time I am told that there is no manager available or that the correct department is at lunch, and to call back after another 3 business days. I have now called more than a dozen times and am still no closer to getting a working card or account, or getting an explanation as to why my card/account number will not work. I have verified that the account is in good standing and that there is no balance both on the Express Comenity Bank website and on my credit reports. I have been told that I can not close the account because it is frozen due to the restriction and that I can not open a new account because I already have one open.
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.
07/15/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
28226
Web
On XX/XX/XXXX I paid the entire balance ( {$0.00} balance ) on my store card from Comenity Bank and didn't use the card again until XX/XX/XXXX when I became aware of the following charges to my account ( outlined below ). I immediately paid the balance and told the representative that I was completely unaware of these transactions. If I would have known, I would have taken care of the initial fee of {$2.00} that has snowballed over 3 months to {$30.00} and also resulted in a late payment notice to my credit report causing my credit to drop by XXXX points.
I have not had a late payment booked to my credit report in XXXX years. I work hard to ensure all my bills are paid on time to maintain a good credit rating. This series of events has caused severe damage to my credit report which is really unwarranted because I would have immediately paid the {$2.00} if the company had sent me an email, text, or called to let me know they booked a fee to my account. I didn't become aware of the charges until I tried to use my account again in XXXX and it was declined. So I called the company and the customer service rep made me aware of a {$30.00} balance which I paid the same day.
Below is an outline of how the {$30.00} accrued to my account over the course of 3 months. Again, I was completely unaware because the company didn't notify me and I wasn't checking my account online because I wasn't using the card.
XX/XX/XXXX - I paid my account balance to {$0.00}.
XX/XX/XXXX - Min interest fee of {$2.00} was charged to my account then ; XX/XX/XXXX - Late fee of {$2.00} XX/XX/XXXX - Min interest fee {$2.00} XX/XX/XXXX - Late fee of {$6.00} XX/XX/XXXX - Min interest fee of {$2.00} XX/XX/XXXX - Late fee of {$14.00} XX/XX/XXXX - Min interest fee of {$2.00} XX/XX/XXXX - I paid the account balance to {$0.00} I'm fine to settle the debt with them but I dispute the late notice being posted to my credit report because I was never aware of the balance. CFPB please help me to get this delinquency removed from my credit report and return my credit score to a normal well-earned level.
Many advance thanks for your time and attention to this matter. I appreciate your help so much.
XXXX XXXX XXXX
10/10/2022
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
AZ
856XX
Web
Servicemember
I wanted to pay off the balance on a loan, XXXX Comenity XXXX XXXX XXXX XXXX, that was provided to me by a XXXX XXXX company through Comenity Capital Bank. I had the account initially set up to pay the minimum balance due monthly. My payments were auto-deducted each month for approximately two years, on time. On XX/XX/22 I called to pay off the balance in full. On the phone I was asked by the Comenity bank representative how I wanted to pay off the remainder of the balance. I said the same account that was being used to make my monthly auto payments. The bank representative said that it had been paid off prior to us ending the call. A month later I received a statement from Comenity showing {$2700.00} being deducted and then reapplied on the same day ( XX/XX/22 ) and a fee of {$25.00} for a return check fee, and an auto-payment of {$100.00} on XX/XX/22 and interest for the period XX/XX/22 to XX/XX/22 of {$64.00}. I contacted my Credit Union, XXXX XXXX XXXX XXXX and asked them what happened with this transaction. They researched and determined that COMENITY used incorrect numbers for my account while trying to pay off the balance. I do not see how they could make this mistake as they had my information and had been debiting my XXXX account for the past two years. I called them immediately after I spoke with XXXX and paid the balance off at that time, but did not pay the return check fee of {$25.00} or the accrued interest of {$64.00} since this was Comenity 's fault for processing the transaction incorrectly. I asked Comenity for those charges to be reversed but paid the remainder due on the account in an amount of {$2500.00}. They still have not reversed those charges and are instead accruing interest on this amount each month. I have since went to my Credit Union and they provided, in writing, a letter attesting to the fact that there was an attempt by Comenity to withdraw {$2700.00}, with an effective date of XX/XX/22, but it was denied as the account number Comenity entered was not correct ( and was not the one that Comenity had been using for the monthly auto-deduction ). I am attaching the letter from XXXX XXXX XXXX XXXX to support my claim of Comenity 's negligence.
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.
09/12/2023
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
PA
184XX
Web
Subject : Request for Assistance in Removing Inaccurate Information from Credit Reports Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your guidance and assistance in rectifying a persistent issue I have been facing with my credit reports. Despite multiple attempts to resolve the matter directly with the credit bureaus, I have been unable to achieve a satisfactory resolution.
I have diligently contacted all three major credit bureaus XXXX, XXXX, and XXXX regarding inaccurate information contained in my credit reports. Unfortunately, they have not taken the necessary actions to correct or remove this information, which is negatively impacting my creditworthiness. I am concerned that these inaccuracies are severely restricting my ability to obtain loans, credit, or other financial opportunities.
Which has also impacted me in a way that I have, unfortunately XXXX. I am also facing distress over all of these situations, due to circumstances that I have not done under my Social Security.
I have provided all relevant documentation and dispute letters to the credit bureaus, outlining the specific errors and requesting their prompt investigation and removal of the inaccurate information. However, despite their obligations under the Fair Credit Reporting Act ( FCRA ), the credit bureaus have failed to act in a timely manner.
Given the ongoing frustration and lack of progress in resolving this matter, I am now turning to your esteemed agency for assistance. I kindly request that you intervene on my behalf to ensure that the credit bureaus promptly address this issue and remove the inaccuracies from my credit reports.
I trust that with your expertise and influence, we can reach a resolution in a timely manner and restore the accuracy of my credit reports.
I sincerely appreciate any assistance you can provide in helping me rectify this matter. I believe your intervention will not only aid me personally but also contribute to maintaining the integrity and fairness of the credit reporting system.
Thank you for your attention to this matter, and I look forward to your favorable response.
Yours sincerely, XXXX XXXX XXXX
05/22/2023
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
95377
Web
In XXXX, I received a bill for a XXXX card that I did not open. I immediately called and Comenity Bank opened up an " investigation ''. That investigation took 3 months to complete, they did not call to notify me of a resolution and then they start calling over the weekend to collect payments. I call them today to figure out what is going on because the fraud dept is not open on weekends. The lady says a letter was sent, NOPE. She then says they have been sending bills and that I opened the fraud investigation in XXXX - NOPE! I opened the case on XX/XX/XXXX. I ask if they have a copy of my signature on the application, she states they do but can not share it unless I send a letter. Hmmm.. I wonder why they did not ask me for my signature so they could compare. I was definitely not in XXXX opening a XXXX account on XXXX XXXX.
On XX/XX/XXXX, I went grocery shopping at XXXX in XXXX, CA. I have proof of this on my debit card transactions. After that, I was at home creating a video for my friends ' birthday. At XXXX I posted on her FB page from my couch .... I specifically remember creating the video and posting it. Time stamp is on her FB page.
XXXX is 60 miles one way from XXXX. The nearest XXXX to XXXX is XXXX ( XXXX ) or XXXX, which is where my parents live so it would make much more sense to go there. No other purchases in XXXX, no lunches, no gas, no NOTHING because I was not there.
It's absurd that they did not include me or ask me one single question during this so called " investigation '' and now I'm stuck with a {$1000.00} bill from one shopping excursion in XXXX... yeah, that doesn't seem odd at all. {$1000.00} in cosmetics in ONE single day... I'm lucky if I put lotion most days.
So today, I paid the minimum due because I'm extremely concerned about keeping my great credit score. But I will not rest until I get this money back. Seems like an inside job to me... I guess XXXX just allows people to walk in and open fraudulent accounts without any proof of who they actually are. I notified the person I paid with this was only for my credit protection and not because I am accepting any liability here. I also messaged this to Comenity and they have acknowledged.
07/21/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
MI
483XX
Web
On XX/XX/XXXX I canceled my automatic withdrawal online that was scheduled for XX/XX/XXXX as I was not going to be able to get the funds into my XXXX XXXX and XXXX XXXXXXXX XXXX account in time. I was going to pay on XX/XX/XXXX online from another account. When I went in to pay on the XXXX, I was surprised to see that it showed that payment was made on the XXXX from XXXX. I called Comenity Bank to find out what happened as I no longer had overdraft protection and the transaction should 1 ) never have been initiated 2 ) should have been declined. Neither XXXX or Comenity Bank could tell for sure whether the transaction was declined for about XXXX days. When it was confirmed that it was declined, I made the payment from my other account. Comenity Bank refunded me my fees as a courtesy, I assume because I had attempted to cancel the XXXX pull. However, XXXX has charged me {$60.00} ( XXXX attempted pulls from Comenity ) for overdraft charges. I asked Comenity bank to either credit me for what I believe to be their error, or write a letter to XXXX stating the situation and hopefully XXXX will waive the fees as I feel it not not my fault. A customer service representative and a supervisor from Comenity Bank stated that they would or could not do either and recommended that I send a letter to corporate XXXX. I sent a letter on XX/XX/XXXX stating my situation. On XX/XX/XXXX I received a generic letter dated XX/XX/XXXX from Comenity Bank XXXX in XXXX, OH asking that I call their customer service line. There was nothing mentioned about my particular complaint. In other words, it sounds like I am being sent back to where I began. I did call customer service and as expected, they could not help me.
There is nothing I could find in any documentation that says or warns that Comenity Bank could pull funds from my XXXX a day early if the scheduled payment date is on a weekend. One representative stated that this is why it may have happened the way it did. My question is if this is legal and if it is legal, where would I find this in my terms or agreement or on their website. I searched all over and anything to do with XXXX pulls only mentions the due date period.
Help please XXXX XXXX
10/04/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
PA
17011
Web
Older American
Comenity Bank has not updated current credit balance and payments information since XX/XX/2022, and this is negatively impacting my credit reports and scores. They have also not provided the contracted rewards amounts on these cards since XX/XX/2022.
I have asked the company to correct these issues. My email and their response is pasted below.
The company claims that a " planned upgrade '', which was not announced in advance to its customers and prevented viewing of account information, ability to view and pay bills, and any contact with its representatives for several weeks, continues to impact their ability to provide current information to credit bureaus.
I believe this is an unfair and possibly illegal business and credit reporting practice. My credit scores and utilization amounts have been negatively impacted for over three months.
From : Comenity Bank Sent : Friday, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I ' m with Comenity Bank, which handles your Visa account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXXXXXX XXXX. I'm here to help with your account needs.
Please accept our apologies for any inconvenience you've experienced.
I can appreciate your credit report is important to you. Because of a recent system upgrade, we have chosen not to report account updates to credit bureaus at this time, Rest assured, this is our top priority. We expect to provide an update to the credit reporting agencies within two billing cycles.
We report your account status to the credit bureaus every 30 days.
Please allow up to 45 calendar days for the credit bureaus to update your credit information.
If you have any questions, please click the reply button.
Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, My credit reports are showing that you have not reported my payments in the past three months. XXXX XXXX account shows a {$970.00} balance due when the actual balance due is {$0.00}.
This is negatively affecting my credit utilization rating.
Please correct this error immediately.
Thank you, XXXX XXXX
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
05/03/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NC
28358
Web
In XXXX XXXX, I opened a build.com credit card ( Comenity Capital Bank ) with XXXX to purchase appliances. I purchased a refrigerator/freezer set in XXXX XXXX ( from XXXX and charged it to my build.com credit card ( {$5200.00} total : each item {$2600.00} ). In XX/XX/XXXX I received notification my units were shipping. Only one unit came and it came with a big gash in the side. I refused delivery. I contacted XXXX and was told the set was discontinued ; therefore, I requested to refund both items since part of the set was damaged and now discontinued I couldn't get the matching pair like I ordered ; I also said to make sure my card was zeroed out before any payments were past due ( I was assured they would be ). I received two emails confirming refunds of each item ( one email on XX/XX/XXXX and XXXX email on XX/XX/XXXX ). In XXXX I received a collection call from Comenity Bank about a late payment. I told them both items were supposed to be refunded back to the card so no payments should be due. Apparently only one item ( {$2600.00} ) was refunded back to the card when I called in XXXX. I contacted XXXX about the issue of only item being refunded. XXXX then refunded the other item to the card ( end of XXXX- a month after I requested the refunds due to damaged/discontinued item ). In XXXX, Comenity Bank sent bill stating I still owed {$71.00} in fees. I contacted XXXX and Comenity Bank with no resolutions. On XX/XX/XXXX, Comenity Bank called again about a late payment. I told them I should never have had a payment for any late fees to be added to. They reduced the fees from {$71.00} to {$31.00}. I filed a dispute with Comenity Bank about the remaining {$31.00} because I should never have had any payments, fees, etc. because at his point, all I have is wasted time and frustration - no purchased items. So I am stuck with {$31.00} in fees because XXXX didn't refund both items in XXXX ( even though I have confirmation emails ). No other purchases have been made with this card ( before or after ).
Note : I only saw one of the two units ( the one that came in damaged ). The second unit was never delivered to me nor did I get a delivery attempt. I never saw the second unit.
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
XXXXX
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.
12/06/2023
Yes
Credit card
Store credit card
Fees or interest
Charged too much interest
FL
33025
Web
I received a store credit card from Jared the Jeweler with a huge limit which i used to purchase some jewelry, and I had 18 months to pay it off without interest. I thought that the amount I was asked to pay every month would pay the card off by the time the 18 months was up. I even paid more every month than the minimum due. For some reason I stopped receiving statements in the mail the last few months. But I'm used to paying online every month, so I never even notice that I wasn't receiving any statements in the mail. If I saw the statement in the mail, I would check to see the information and the notice that my 18 months was coming up. In my head because I wasn't receiving the statement and thinking that the money, I was paying every month would pay off the card by time the 18 months was up I wasn't worried. I paid all my bills onetime and if I knew that the 18 months expired XX/XX/, I would have paid the card in full. I had no idea, and I never got any notification via statements or email that if I didn't pay off the card by XXXX XXXX XXXX, I would be charge {$3000.00} in interest. On top of that I'm paying 36 % in interest every month. I think that's unfair for a person who has excellent credit and never missed a payment with Jared for the time I've been with them. I could have paid off the balance long time ago, but I said why rush if I'm not paying any interest ; I would just keep paying the balance due every month and a little more if I can. I was down to approximately {$4500.00} and now I owe almost {$8000.00}. I visited my account yesterday XX/XX/ and I notice that now my account change from paper statement to online statement and I never made that change. I would never do that because I prefer paper statements. All my other bills are paper statements. I think this is a big scam by Jared and their goal is to actually lock you into debt and high interest and not actually to help you because with this extra {$3000.00} plus how much interest. In the long run as of today I would end up overpaying for the item that I purchase, plus 36 % in interest rate for someone who's credit score is almost at XXXX and never missed a payment for over 15 years is ridiculous.
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
640XX
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.
12/06/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
NJ
07071
Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.
According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.
Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefor
e made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices.
From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).
According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.
I hereby request you to do the below-mentioned thing.
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) ADS-COMENITY-ULTA XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to Federal Court, in case, you do not accept the above request a legal action may be taken against your company for compensatory damages. Thank you for your attention to this matter
.
Sincerely, XXXX : XXXX.
All Rights reserved without prejudiced
04/20/2017
Yes
Credit card
Application processing delay
PA
163XX
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.
10/05/2022
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
76148
Web
Comenity sold past accounts to XXXX and XXXX. I paid my debt as requested and provided a letter of deletion to XXXX and XXXX to which they agreed after communicating with Comenity. Comenity advised by phone that they would have the derogatory " closed '' accounts removed from all 3 companies. I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX on multiple dates going back from 2019 to current. These have still not been removed from ALL reports. I'm demanding these be removed immediately. I've done everything as requested and I've found from others Comenity has done this to many people. I'm reporting the company to XXXX and CFPB for help before seeking the courts attention to this matter. These derogatory closures are preventing me from moving forward with my job, purchasing a home etc... Comenity and XXXX both knew in advance my wife was diagnosed with XXXX XXXX. She was unable to work, XXXX XXXX XXXX XXXX XXXX and I was taking care of keeping up with the household bills, medical, medication and kids. This is why they agreed to remove completely since I paid off per the judgement ordered. When these lines of credit were obtained our income could afford the monthly bills. Unfortunately, we didn't think XXXX would hit a XXXX XXXX XXXX woman without any signs or notice. I simply want to move forward and I've gotten my hopes up only to be failed over and over again. This isn't a good light for comenity and how they treat their customer and failure to keep their promise when the customer has done everything asked. Please remove the below accounts from my credit reports.
The below accounts need to be removed immediately.
Comenity BankXXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX and XXXX Comenity Bank/XXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX and XXXX Comenity Bank/XXXX- XXXX XXXX XXXX and XXXX XXXX XXXX ) Comenity BankXXXX XXXX, XXXX and XXXX Comenity Bank/XXXX- XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX and XXXX Comenity Bank/XXXX- XXXX and XXXX Comenity Bank/XXXX- XXXX, XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX and XXXX
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!!
08/17/2022
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
11221
Web
Comenity Bank handles XXXX XXXX XXXX credit card accounts and payments, There is a mistake on my XXXX XXXX statement ... XXXX amount I owe is incorrect.
The XXXX statement with payment due XX/XX/2022 showed a balance of {$720.00} but I bought items that totaled {$220.00} on XX/XX/2022 increasing my balance to {$940.00}. On XX/XX/2022, I paid the entire balance which was {$940.00} ( instead of what I meant to pay which was {$100.00}. I called and asked for a refund of {$840.00} leaving XXXX XXXX with {$100.00} and my balance at {$840.00}. But it is not.
On my XXXX statement where payment was due on XX/XX/2022, I have a balance of {$1800.00} because on XX/XX/2022 you gave me a payment adjustment of {$940.00} and then on XX/XX/200 you gave me a credit balance refund of {$840.00} which was unnecessary and incorrect. The {$940.00} payment adjustment is an error and should be removed because I did not receive a payment of {$940.00} in my Bank XXXX XXXX account -- I only received {$840.00} in my Bank XXXX XXXX account.
My balance should be {$840.00} ( {$940.00} minus {$100.00} ) However, the {$100.00} payment is not reflected on the XXXX bill where payment was due on XX/XX/2022. My bank, Bank XXXX XXXX issued, me an {$840.00} from you. They clearly understand what happened, which was refund back to me all but {$100.00}. XXXX Bank XXXX XXXX statement does not show an additional {$940.00} refund from XXXX XXXX -- so my XXXX XXXX card statement should not either.
You have to adjust my statement because you have an adjusted my payment of {$940.00} ( which was a refund ) and then charged me {$840.00} for refund againwhy do you have XXXX refunds/payment on my account? Your mistake is messing up my XXXX XXXX as outstanding balances affect your score. Moreover, I am being charged for interest an incorrect amount- {$1800.00}.
I will attach my last XXXX XXXX bills for XXXX, XXXX and XX/XX/2022 and XXXX Bank XXXX XXXX statement for XX/XX/2022. How did my balance go from {$720.00} to {$1800.00} with only {$220.00} worth of purchases? It did not, you made a mistake by charging me twice for only XXXX refund!!!! My XXXX XXXX XXXX statement still has the incorrect balance owed.
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.
08/02/2022
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
FL
339XX
Web
Servicemember
I applied for an XXXX credit card that is issued through Comenity Capital Bank. This is a credit card that can only be used for medical bills. I applied because I needed XXXX XXXXXXXX. I was approved for a {$8800.00} credit limit and was given XXXX options to pay off the debt. XXXX option was a 24 months payment plan where the card would be paid off in full in 24 months with no interest. The second option was for a longer term with lower monthly payments but I would have to pay interest. When I applied they website showed be a chart with the payment amounts that would be due for each plan. I chose the 24 month plan. I started making payments and for at least the first year and a half I paid more than the minimum amount due. The minimum payment each month was lower because I was paying more than the minimum so I thought I would be able to pay the loan off early. I received an email from them telling me I had to pay off the balance by XX/XX/2022 to avoid paying interest and the balance at that time was over {$3000.00}. My balance now is {$8100.00} which means I owe almost as much as the original loan amount after 2 years of payments. I agreed to their 24 month payment plan where they set the payment amounts which they said would pay the loan off in 24 months. They obviously lied to me and set the payments lower than what would pay off the loan on time. They did not tell me the loan would not be paid on time if I only paid the payments they set. I would have made bigger payments if I knew the loan would not be paid off in full on time. I didn't know this because they set the payments. They even compared the XXXX payment plans side by side showing me the 24 month plan with no interest vs. the longer payment plan with interest. My monthly payment went from {$130.00} in XXXX to {$280.00} in XXXX. I can not afford these payments now. This company obviously lied to me that the payment plan they gave my would pay the loan off on time with no interest owed. There is no way I should owe them interest when they lied to me about the payment amounts. They are obviously doing this to other people if they did it to me. How many people have been blindsided by this like I was?
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.
08/10/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CA
94544
Web
During vision XXXX, I signed up for an Alpheon Credit Card in order to take advantage of a promotion. Both the medical practitioner as well as the credit company represented to me that this promotion would allow me to pay the balance of my XXXX costs ( approx. {$4000.00} ) interest free over XXXX years.
Thereafter, every month, I would receive an email reminding me that I had an upcoming payment. I was expecting to make such a payment on a monthly basis and understood that they would have divided the {$4000.00} balance owed over a period of 36 months and charge me for that amount each month.
My vision XXXX was in XXXX. My expectation was that the payments would continue until XXXX. When I last checked my account, I realized that the the company had started charging interest in XXXX, including a lumpsum interest in the amount of $ XXXX in XX/XX/XXXX for failing to pay off the balance of the card. Thereafter, Alpheon began charging monthly interest in the amount of $ XXXX every month, even though I believed that I was still on the promotional timetable.
My understanding is that Alpheon, both in making the initial promotion, as well as during the course of the promotion, intentionally and/or fraudulently made representations that were untrue regarding the terms surrounding the promotion. Alpheon also failed to keep me apprised of the status of the payments, or that interest was being charged. Furthermore, Alpheon failed to warn or otherwise make clear that a lumpsum interest payment ( accrued as of that date ) would be charged if the balance on the card was not paid off by a certain date. Alpheon had my email and phone number, and failed to make any reasonable effort to clarify and/or explain the upcoming charges. It is my belief that Alpheon intentionally attempted to make difficult to assess or otherwise concealed the interest charges in the hopes that consumers would not notice.
Had I not confirmed and calculated the remaining amounts owed on this account, it would have taken me 15 years, making the minimum payment, to pay off the balance, and Alpheon would have charged nearly {$6000.00} worth of interest on top of the initial cost of the procedure.
05/22/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with customer service
VA
22980
Web
On XX/XX/XXXX, I called Comenity about my Caesers Rewards Visa, I let them now I was going to New York & would be using my card for payment while in XXXX on XXXX XXXX. In XXXX on XX/XX/XXXX, I attempt to make a purchase & my card is declined. I call Comenity & go through their Fraud steps, they confirm its me, they tell me they have unlocked my account. I wait approx 30 min & use my card again & it is again declined. I called them back to see what was going on again & I am told their fraud department needs to send me a code. I wait a few minutes and I have not received anything and they tell me they sent it again. I get the code and give it to them. I am told the code doesnt match and my account has been PERMANENTLY CLOSED due to fraud.. They tell me there is nothing they can do, I have no other options to prove I am me, NOTHING. I have never had a late payment, and just like that they permanently closed my account and tell me they cant reopen it.
What I believe happened is when the woman resent the code the second time she actually sent a different code. After I got off the phone with them I saw I had received a SECOND message with a different code. I was NEVER told they would be sending a DIFFERENT code when they resent it nor did I have anyway to know when I received the first code that it was not the code they wanted since it was the first code I saw I received before I saw I was sent a second code.
I was never told if you get this wrong while standing in the middle of XXXX without payment options, trying to figure out what is going on with your account that we are going to PERMANENTLY CLOSE your account.
Mind you I had already confirmed my name, address, phone number, last 4 of ss number, last 2 payment amounts and the bank information those payments came from but apparently that wasn't enough information to confirm it was me.
I asked to speak to a Manager and was connected to " XXXX '' who was rude, unhelpful, basically told me they were a bank and could do whatever they wanted and they werent going to open my account back up. I could have sent them photo ID, birth certificate, ss card, utility bill or other options if they had fraud concerns.
11/02/2022
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
91730
Web
Servicemember
COMENITY BANK/ EXPRESS Violated section 605B. Block of information resulting from identity theft.
I sent off a complete fraud packet to XXXX credit reporting agency as well as XXXX XXXX and XXXX. The fraud packet was complete and met the requirements of section 605B of the fair debt collection practices act. The above referenced bank received a full investigation packet including the Federal Trade Commission affidavit and the identity theft affidavit completed and notarized from XXXX.
Comenity Bank Failed to conduct a proper investigation of the fraudulent accusations submitted as a dispute to XXXX. Upon notifying Comenity bank about the fraudulent activity and the investigation that was conducted by XXXX, the bank stated to me that they did not receive The packet from XXXX and that they also wouldnt except the federal universal identity theft affidavit if it was presented.
Since the company did not have or possess the complete packet which included all of the information pertaining to the fraud that was committed. This company couldve never conducted a proper investigation to conclude that this account is in fact mine.
COMENITY BANK/ EXPRESS Violated section 623. Responsibilities of furnishers of information to consumer reporting agencies.
( 1 ) Prohibition This section clearly states, reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Comenity Bank was notified by the consumer and was also notified by XXXX credit reporting agency of the fraud and was provided documentation that they were reluctant to review because it wasnt on there personal paperwork. Due to lack of a proper investigation this company felt the right to still validate the debt and caused the consumer more irreparable harm as well as punitive damages in addition to the other fraud damages.
The company was given knowledge of these errors and the potential fraud that caused it and yet they still felt the need to report this information to the credit report without a proper investigation.
09/06/2022
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
NY
11385
Web
Servicemember
Company : Victoria 's Secret / Comenity Bank Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Original Balance : XXXX Balance Reported : {$430.00} Account ending in XXXX was reported as late on XX/XX/XXXX. During the beginning of COVID19, I called the bank to let them know that " I will be behind on my payments due to the critical situation that my company was going through. The operator told me that i shouldn't worry about late fees/ late payments because the account will be " paused ''. I asked to receive confirmation via email, i never received it but i was re-assured over the phone that i would only have to pay for the original balance.
From & XXXX it went to {$430.00}, it has been doubled up ONLY in late fees. This type of abusiveness has to stop, the city of NY was locked down and many people lost their jobs and family members during COVID19. I as an essential worker, was struggling to make it home, did not apply for unemployment, however my salary did not increase at all.
I lost my father, grandparents and the funeral expenses are not cheap. I was harrassed by the debt collectors over the phone, never had a payment plan option to cancel the original debt. The bank sold the debt to " BUREAUS INVESTMENTS GROUPS PORTFOLIO NO XXXX LLC '' this company has violated my consumer rights by opening the debt, and reporting late payments to the credit bureaus when the debt has been charged-off /closed. This debt is XXXX years old and based on the new debt collection rules, it's time-barred.
The Fair Debt Collection Practices Act prohibits to be threaten by debt collectors, also debt collectors need to provide all the relevant information to validate any debt/ over the phone the collection company did not provide the company 's name nor the account number nor mentioned about my rights to dispute this debt. The debt collectors did not provide transparent information/communication while trying to collect their debt.
I have been victim of improper debt collection. Under the new shorter statute of limitatios creditors can not proceed with a debt that is time-barred, it's violating the three-year period implemented in the new Credit Fairness Act signed in XXXX.
12/15/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
MO
XXXXX
Web
Older American, Servicemember
XXXX took over from XXXX XXXX XXXX XXXX Credit Card. At the date of the switch, I had a balance of {$1900.00} with XXXX that switched to XXXX. I never received my card from XXXX so I was never able to activate my account or access it online. Nor was I able to send payment with the correct account number, since I didn't know what the account number was. The payment was due on XX/XX/XXXX. I used online bill pay with my bank, XXXX, to make the payment. They mailed a check, # XXXX to arrive on XX/XX/XXXX. On XX/XX/XXXX, I received an email from XXXX that my payment was now due on XX/XX/XXXX, so I called them on XX/XX/XXXX. They claimed not to have received my payment. I emailed my bank on XX/XX/XXXX. I asked them if they had the canceled check. They emailed me back that they did not on XX/XX/XXXX. I then asked them to stop pay on the original check and send a replacement, which they did on XX/XX/XXXX, ck # XXXX. On XX/XX/XXXX, I called XXXX to see if they had received the replacement check. They said they had posted a payment of {$1900.00} on XX/XX/XXXX, two days before I had called them the first time. I asked them why they had told me that they didn't have my check on XX/XX/XXXX. All she would say was that the check was returned, but payment was not stopped until XX/XX/XXXX, so they had my check on XX/XX/XXXX and had even posted it, but lied to me about it. And there is no reason that it should have taken until XX/XX/XXXX to get the check since it had been mailed to arrive by XX/XX/XXXX, so they deliberately held the check until after the due date to charge late fees and interest. I contacted XXXX today, XX/XX/XXXX, and am told that the second check is still outstanding. So despite the fact that it was sent on XX/XX/XXXX, it appears that XXXX is again holding it until after the due date. They do not accept ACH payment. They allow payment on their website, which I couldn't access since I never got my card from them. They allow payment over the phone but they charge for that. So they basically forced payment by a mailed check and then hold the check long enough that they can charge interest and late fees. And they are wrecking my credit with this practice.
07/12/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MN
560XX
Web
I have a store credit card with both XXXX XXXX XXXX XXXX which is handed by Comenity Bank. They supposedly did a system update on their web site about a month or so ago XXXX 2022, which I was not able to even access my account during that time. I called the customer service number provided and all it is was a recording saying to to call back at a later time and then it would hang up. I tried several more times for days after, and always got the same recording and hang up. In the meantime, I got a email saying my automatic payment information is no longer valid and my banking information needs to be updated, so automatic payments can not be processed, even though none of my banking information has changed. I went to the web site for both cards and updated it, even though nothing had changed, and it still did not accept my payment. After over an hour of messing around on their web page, I was able to get my XXXX payment to go through. I went to both pages, re-signed up for automatic payments, and waited to see if my Women Within account would be paid on XX/XX/XXXX, and it was not. I tried to manually pay, and it said it went through, but there is no refection of that on my account. Last month, XX/XX/2022, I had to manually pay, which also took four days to achieve, and they charged me a late fee, even though it was an issue with their web site and I tried everything in my power to make my payment. It was due XX/XX/XXXX and I was not able to get the payment to work until XX/XX/XXXX. I have tried to contact them via their web site and all it is as an automated response. I called the phone number, several times again, and it now says I am " not the authorized account holder '' and will not allow me to even find out my balance online. I am not sure how they can determine if I am the authorized account holder when all I did was enter my account number. I did send a message to the Comenity Bank XXXX page, but have not had a response yet. The XXXX page is the only place they have had anyone from that company respond to the numerous complaints about their service on their posts. I do not want their incompetence and lack of customer service effect my credit score.
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
05/29/2023
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
LA
704XX
Web
Older American
A duplicate charge of {$630.00} from XXXX XXXX XXXX appeared on my XXXX statement with Comenity Capital Bank. I contacted XXXX and they promptly sent an email and screen shot showing I had made one purchase and they had charged my card one time. I called Comenity on XX/XX/XXXX and followed up with a letter, a copy of the email from XXXX and an enlarged view of the screen shot on XX/XX/XXXX. I paid all of the money due on my XXXX statement except the second charge of {$630.00}. I received a form letter from Comenity dated XX/XX/XXXX indicating the investigation had begun. On XX/XX/XXXX ( 90 days later ), {$630.00} was returned to my balance. I contacted Comenity through a message on XX/XX/XXXX and was told the dispute had been closed and a letter dated XX/XX/XXXX sent to my address. No letter arrived. I called multiple times to discover why the dispute was closed. No one could give me any information. I wrote again through a message on XX/XX/XXXX and once again was told that the dispute was closed and a letter dated XX/XX/XXXX sent to my address. I continued to request by message and phone calls throughout XXXX to receive the letter closing the dispute and reasons why this had occurred. No one could provide any help other than to tell me to file a second dispute which I did on XX/XX/XXXX sending with my new letter a copy of my original letter, the email and screen shot from XXXX, a copy of the purchase order, the email informing me the order had been shipped, and the packing slip to prove I had made only one purchase, not two. I received a letter dated XX/XX/XXXX stating the investigation had begun and would require 90 days to complete. On XX/XX/XXXX, I asked to speak to someone in the USA. The representative here told me the dispute has not been closed even though the 90 days were up, no letter had been sent, and, yes, the clock would be reset to 90 days. Also, I was advised to pay at least a portion of the {$630.00} to avoid further issues until the dispute was settled. Since none of this is my fault, since I have paid all that I owe, since I have repeatedly been lied to and misled, I have declined to pay the statement that will be due on XX/XX/XXXX.
02/05/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MD
21703
Web
Bought an engagement ring from XXXXXXXX XXXX XXXX XXXX XXXX and financed through a promotional offer ( XXXX XXXX interest ) through getting the XXXXXXXX XXXX XXXX XXXX XXXX from Comenity Bank.
I at XXXX set up automatic payments ( XX/XX/XXXX ) to prevent myself from needing to check the account and ensure payments were made on time.
XXXXXXXX XXXX later, I received paper mail stating my account was past due and was delinquent. I logged into my portal to find out that the automatic payments were creating returned check fees.
No email, no call, no immediate communication was given that the account information provided was not correct ( they do not let you copy & paste account numbers when setting up autopay but type and apparently I missed a XXXX in the account number ).
No system controls in place were used by Comenity to confirm account number or reach me when their systems were resulting in return check charges.
After an unsuccessful call to Comenity to try to resolve the dispute, I messaged using their portal ( which failed to transmit multiple times ) the following dispute ( they have still not provided communication or feedback on resolution ) : Disputed Amount & Transaction ( XX/XX/XXXX Interest Charged On Purchases : {$6.00} XX/XX/XXXX Minimum Interest Charge : {$2.00} XX/XX/XXXX : Return check charges {$30.00} XX/XX/XXXX : Return check charges {$41.00} Reason for dispute. Please see attachments where I have explained and tried to resolve the fact that the billing system WAS NOT actually conducting auto-payment resulting in the - {$240.00} deductions followed by " adjustments ''. There were no emails XXXX calls that return check charges were being conducted ( check your system ).
In addition on XX/XX/XXXX being so annoyed that YET ANOTHER automatic payment was made with a returned check fee ( even though I haven't had automatic payments since the original dispute, AND have only XXXX bank on file which was making manual payments without error ) that I decided to link another bank account to just pay off this XXXX thing. When trying to make THAT payment ( XX/XX/XXXX ) their system threw an error saying it was unable to make the payment.
08/11/2022
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
PA
190XX
Web
I have made multiple attempts to find out if I have a Wayfair bill, and if there is a balance owed on this account. However each time I was unsuccessful. I have not received a bill or statement in the mail since XX/XX/2022. When trying to log into the website to see if I had a balance, or why I was not receiving any mail from Wayfair it would tell me that there is no account by the information I was giving them. I tried multiple different ways ( username, account number, social security number ) but no matter what i entered I was told that there was no account. When I went to apply for a mortgage in XXXX I had noticed that there was a delinquency showing on the credit report, I tried to call the phone number that I had but they told me that I had no account with Wayfair. Finally, on XX/XX/XXXX after spending many hours doing some research, I was able to get a representative on the phone. The representative told me that I had an account in the past but it was showing a XXXX balance and there was nothing that I needed to pay. He then contacted a supervisor because I did not understand how if I had a XXXX balance why there would be a delinquency showing on my account.This situation is very deceptive because their own representative is telling me that I do not owe any money. After speaking with the supervisor he told me that there was some sort of problem in their system from a change that they had made not too long ago and that this has also been a problem for other people as well. He gave me a XXXX XXXX mailing address to send a letter asking someone to reach out to me so that I can get further help with this problem. I sent a letter to Wayfair on XX/XX/XXXX but still have not even heard anything back from the company. This is unfair because this is preventing me from being able to purchase a new home. This is abusive because I have now suffered from a damaged delinquent account on my credit report. I feel that I have been patient enough in waiting for someone to respond to my previous letter that was sent almost a month ago. It seems that no one has an answer as to why this happened and i feel that they have not helped try to resolve this issue at all.
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
080XX
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.
10/19/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NJ
07110
Web
I paid my balance in full using my XXXX XXXX checking account for my Express ( clothing store ) Credit Card governed by Comenity Bank. This payment was a scheduled payment placed many days prior to the due date. The scheduled payment in the amount of {$46.00} was received by Comenity Bank and subsequently withdrawn from my bank account on XX/XX/2022. On XX/XX/2022, I reviewed my account using comenitys express credit card website. The website stated that my account was PAST DUE and showed no evidence of the XX/XX/2022 payment. My account stated that my last payment was XX/XX/2022. I called my bank, XXXX XXXX, and they confirmed the XXXX payment was sent and received by XXXX and officially withdrawn from my account on XX/XX/2022. I called Express Credit Card customer service ( comenity bank express credit card division ) and spoke to a representative named XXXX on XX/XX/2022 from XXXX XXXX EST. He informed me that Comenitys system is untrustworthy, unethical, has many bugs and is flawed, never the less he assured me that although he has no record of the payment, it will reflect eventually. As I write this on XX/XX/2022, my account does not reflect the {$46.00} payment. I authorized this payment with the intended purpose of paying my credit card bill. Suffocate it to say, the money is missing and is not being used for the intended purpose. I sent Comenity Bank a secure message with a screenshot of my XXXX XXXX checking account showing the {$46.00} payment. I have not heard anything since. Comenity Bank has now also unjustifiably charged me a {$2.00} finance fee, thus bringing my total loss to {$48.00}. Comenity bank has unethical trade practices. They received my money, lied and said my account was past due, charged me a {$2.00} fee ( and more most likely to come ) and has given no explanation as to where my money is. I cant imagine how many other people they have done this to. This bank should not be in business if they can not adequately process, record and reflect payments. It is irresponsible and reckless, not to mention unethical. My credit is on the line and so is my hard earned money. They need to be investigated for unethical practices.
03/22/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
WV
262XX
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.
12/15/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
RI
02816
Web
My XXXX XXXX XXXX that was serviced by XXXX XXXX XXXX was transferred to Comenity. I used my new card for a home repair to get the points they offered me. I received my first bill from Comenity and it contained my billing for the large home repair. The bill was due on XX/XX/XXXX. I used XXXX XXXX from my bank account and asked that the check be sent to arrive on XX/XX/XXXX. The bank XXXX XXXX confirmed that they sent the check on XX/XX/XXXX.
As of XX/XX/XXXX my large payment of {$10000.00} had not been credited to my charge card. I called Comenity and they stated that they hadn't received the payment. In order to prevent a late charge I paid the minimum payment amount.
I contacted Comenity several times thereafter regarding the status of my payment, both in writing ( messages on their system ) and via the telephone. They responded that they would not report my card delinquent or charge me a late fee for 90 days while they researched it. The customer service representative stated that there was an issue with the conversion of XXXX accounts onto the Comenity system and that there were others who were affected as well. That they were expecting it to take approximately 3 weeks to get rectified. I stated that my bank said that I could put a stop payment on the check but to check with Comenity first to make sure they would not charge me a bounced check fee. They did not respond to that question but once again said that they wouldn't report for 90 days.
I have now received my XX/XX/XXXX bill and Comenit is charging me {$160.00} in finance charge. I messaged them and they stated that since I had a balance that rolled into the next billing period I was responsible for the finance charge. This can not be correct since they have my check, did not answer me whether I should stop payment on my check and told me that it was a conversion issue.
This servicer should be put out of business! I have had an issue with them before on a store credit card. They are robbers and are making money off not applying payments on time.
Please help me out with this issue and pursue further for all the other customers that have been taken advantage of by this company.
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
12/30/2022
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
TX
77584
Web
Servicemember
For a Comenity Jared store credit card account XXXX I received my statement for the month of XXXX. It states on the statement " WARNING : XXXX XXXX Ending SOON! YOU MUST PAY THE BALANCE {$870.00} OF YOUR PLAN XXXX XXXX XXXX INT XXXX XXXX IN FULL BY XX/XX/XXXX TO AVOID PAYING ACCRUED INTEREST CHARGES '' On XX/XX/XXXX my payment of {$870.00} was posted per an XXXX statement I received from Comenity ( and confirmed via phone call ).
I have been receiving statements from Comenity ever since despite paying the balance they provided in XXXX. I have spent a large amount of time on the phone with them, speaking to their representitives in customer service whom I presume are overseas to no avail. I was hung up on after being on hold for about 45 minutes. Upon calling back I was again questioned and had to go over the entire situation again prior to being reconnected to the line where I was previously waiting for a senior account specialist.
Upon speaking to the senior account specialist he stated that I was still receiving statements because I did not pay the " minimum payment due '' on my XXXX statement which was in the amount of XXXX. He said he would create a case and submit it, but it would be unlikely to resolve in my favor.
I told him I would pay the {$290.00}, but I can not pay any of these supposed " interest charges '' as that was not a part of the promotional plan and was my sole reason for choosing Jared to purchase an engagement ring. It is not made clear on any part of my paper statement that the " minimum balance due '' also needs to be paid. Logic would assume that the {$290.00} is included in the {$870.00}.
There should have never been further attempt to collect any " debt '' as the {$870.00} has been paid on time, but I have received statements every month. I unfortunately assumed there was just a delay between promotional departments and their collections department.
Every good faith effort by me to take care of this issue has been met with resistance and an attitude of ambivalence and disregard by Comenity staff. Which is why I have resorted to making this report.
My case number with Comenity can be provided if necessary.
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.
05/20/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with balance transfer
MD
21801
Web
I initiated a balance transfer with XXXX XXXX XXXX on XX/XX/XXXX from an account I have with XXXX XXXX. I was immediately concerned as the confirmation email did not have any details such as account number for the money being transferred, only XXXX XXXX 's name and the amount of {$1500.00}.
I called on XX/XX/XXXX to confirm the details and told to expect an email with details I called on XX/XX/XXXX to express there weren't any details and was told it takes up to 30 days to process. They could not confirm the account number it was sent to I called on XX/XX/XXXX after realizing the amount was charged to my Comenity account and again was told it takes up to 30 days to process I called on XX/XX/XXXX and was finally given a transaction number and the last XXXX of an account number that doesn't match any account I own. I was advised by the Comenity customer rep to file a dispute.
I called XXXX XXXX on XX/XX/XXXX to see if they could locate the transfer on their end with the minimal information given and was told need the full account number to be able to trace the money on their end.
I called Comenity 3 different times over XX/XX/XXXX and XX/XX/XXXX to get the full account number and was given 3 different answers regarding when it would be sent to me and how.
I sent a secure message to Comenity on their site on XX/XX/XXXX after none of the other promised emails arrived requesting the full account information.
I received a detailed letter from XXXX on XX/XX/XXXX in response to my dispute which provided a great deal of information including that my {$1500.00} balance transfer was sent electronically along with {>= $1,000,000} plus in other monies but only the last 4 of the account number was provided I called XXXX XXXX again on XXXX and they could not trace it with the information provided by Comenity. They also told me they would have certainly sent the monies back within 10 days of receipt without being able to attach it to one of their accounts On my 3rd attempt through secure message on the Comenity site they sent back the account number as XXXX which is not even a XXXX XXXX MaserCard number. The only numbers provided were the XXXX XXXX
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.
12/14/2023
Yes
Checking or savings account
CD (Certificate of Deposit)
Opening an account
Confusing or missing disclosures
NJ
07650
Web
Bread Financial ( BF or the institution ) has not provided any evidence of compliance, or demonstrated of key controls and a compliance framework established to comply with all applicable laws and regulations. Furthermore, the institution did NOT comply with the applicable laws and regulations when opening CD deposit accounts in my name in XX/XX/XXXX. As evidence, unlike multiple other digital banks Ive dealt with, the institution did neither email new customers of the key terms and conditions nor provide an agreement with the details of the deposit contract at the inception of the CD deposit. Having information somewhere on the institutions generic and broad website is not in line with the spirit of the laws and regulations, and the institution can not claim that it complied with the applicable laws and regulations. Period. Once again, in accordance with Rule 12 CFR 1030.4, the institution is required to provide initial disclosures before an account is opened or a service provided, whichever is earlier. BFs response received on XX/XX/XXXX to my complaint is simply unfactual and a wrongful response, merely claiming compliance with no evidence. Furthermore, a so-called review of potential security concerns and/or irregular activity has nothing to do with the customers actions or activity. The suspension has been imposed almost XXXX weeks since the institution intentionally fabricated a story to restrict or discourage customer complaints.
In conclusion, in addition to the non-compliance issue, this institution apparently has an integrity issue. The institution 's integrity issue has been clearly revealed through sneaky non-compliance at account opening, unfactual responses with false information on officially raised CFPB customer complaints, fearlessly perpetuating lies, and suddenly bringing up a security issue for this particular individual account without reason for weeks.
In addition to my initial complaints about the non-compliance issue, I am encountering more issues with this institution and will have to report to more regulators, eventually seeking resolution through the court if not resolved via filing issues with regulators.
11/19/2023
Yes
Credit card
Store credit card
Problem when making payments
Problem during payment process
CA
93611
Web
This is to complain about my credit scores submitted by Comenity Bank or Bread Financial to XXXX, XXXX and XXXX credit scoring companies. I was alarmed today because upon checking my XXXX XXXX account, I have 3 months of unpaid bills from Victoria Secret. This bill amount to XXXX XXXX dollars from my original credit of {$58.00} something XXXX dollars. The rest were their charges from unpaid monthly bills. But I believe this is not right because the reason why I couldnt pay it is because they made it hard or impossible for me to pay it. And back in XXXX or XX/XX/2023 when I first attempted to verify using the VS ( Victoria Secret ) app, I could not access my account. Its locked or it is closed. Then I tried calling customer service to address the problem, it did not allow me to talk to a live person, it just informed me that my account was closed by the bank and that I could not proceed further. I did go on with my days, and I believe I attempted the app and the phone customer service XXXX or 3 times until I just give up or maybe I though, oh well. The account is closed maybe I dont owe anything anymore. Until today, when I checked my email, among all my tons of mail, one caught my eye and it was emailed to me 2 days ago from Victoria Secret. It caught my eye because it wasnt a marketing offer. It says that it needed attention so I opened it. It was account an attempt to collect all of a sudden XXXX dollars. So I got shocked. Did I get hacked? I didnt make any such purchase from VS. So I attempted again to log on to my account, change pass and all, as the account was locked already due to several attempts. And for some reason it finally allowed me to access and there it was, amount due XXXX USD. Anyway, I have complained this already to CFPB complained number XXXX and this new complaint is in connected with my prior complaint because my credit scores were greatly affected. My XXXX score went down from XXXX to XXXX, my XXXX score went down XXXX to XXXX and my XXXX Score went down from XXXX to XXXX. Not because I did not want to pay or did not attempt to pay what was due but because their payment system was blocking me from paying them.
02/28/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NV
891XX
Web
On Monday XX/XX/2023 I went with my family to Ikea to order furniture for our new home that we purchased. I went in knowing that I wanted to apply for Ikea 's Projekt Credit Card and I applied on their kiosk. After an employee typed up the order and I went to pay for XXXX XXXX worth of items and the new account did not go through and said declined. The manager in store tried serval times and still nothing. They had me call Comenity ( the credit card company ) and the agent said I had a limit of {$2500.00} for the first 4 days of applying for the card. The amount I was approved for was {$7200.00} so that did not make sense. I said okay then let 's do {$2500.00} and tomorrow I will purchase the rest. Nope that didn't work, now the agent placed me on hold to get someone else and she never came back. 40 mins spent with the 1st agent and the manager in store said we can try tomorrow since I had my kids and they were hungry. While driving away I called again and another agent said the issue was that of the virtual card and the store needs to pull my account and charge it that way. Okay back to the store and nothing I called again and was given a different answer and it was because the card number was being entered manually I asked to speak to a manager and was hung up on, called again asked for a manager and I was transferred then call dropped. I called again and was finally able to get a Sr. Specialist named XXXX and he said that there is a known issue for newly opened accounts and they are trying to fixed eta 3 days. I advised XXXX that he needs to provide that Information out to the phone agents since all of them were giving me different answers. I called today XX/XX/2023 to check into this " known issue '' and I spoke to XXXX. He gave me another reason why the card isn't working, It's the virtual card issue use the account number he said. I asked to read the notes on the account left be XXXX and then he said oh yes yes wait 3 days or the card that will come 7-10 business days. No one knows what is going on and I am left with no purchase an account that was opened and unable to use because of " known issues '' that no one knows about.
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.
12/01/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
AR
72209
Web
I had a XXXX XXXX Credit Card through Comenity Capital. My account is up to date, I requested a credit limit increase and thats when I was informed that my account had been closed 3 months ago. I was never notified, not even by mail. I have called multiple times to pay my bill and ask questions never was I informed the account was even closed! My account was closed due to XXXX XXXX ending. On my current credit report it is showing for the last 3 months that I am passed due but that is entirely not the case I have Paid all 3 months way ahead of time and over the minimum payment. I have reached out to Comenty for some answers and they are telling me I have to reach out to my credit bureau for answers.
I am seeing all over their facebook page that this is an issue and I really want some answers. I dont think its fair that people are getting reported on their credit score for past due payments, and their credit history being taken away now that this card program is closing. They are a terrible company and I have had issues with them and their business since day XXXX and their are thousands of other people that have the same issue.
I believe they scam people. I have had the card for 2 years and of those 2 years I have had to correct their mistakes at least 9 times that I can remember. They have issued payments onto my account that I have not consented to or granted access to. I have had to be refunded numerous times because they take out double what I paid. They Have reported me to the credit bureau quite a few times for being passed due because my due date was the XXXX of the month and because it comes out through my account I guess they dont receive the actual money for 1-2 business days, so then they give me a late fee and report it as late.
Just yesterday XXXX I noticed a random payment on my account for {$100.00}. It stated " XXXX XXXX OH XXXX XXXX, '' and was listed as pending. I called about this and the man on the phone told me he didnt know what it was and that he wasnt seeing it. He had to put me on hold like 5 times and could never actually answer my question and basically told me he couldnt help me and it was an error.
03/26/2023
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
ID
83709
Web
I submitted a purchase dispute with Comenity Bank XXXX XXXX XXXX store card on XX/XX/XXXX for a purchase via phone. I followed up the phone dispute with a secure message on the Comenity webpage with supporting documents per the phone reps request. On XX/XX/XXXX I recieved a responce confirming reciept of supporting documents by comenity message support stating they were looking into my dispute and I would not be held responsable for the disputed charge.
As of XX/XX/XXXX no forward movement has occured on my dispute, no additional communication has been issued by Comenity in reguards to the dispute, I am still showing a balance and payment due on the disputed charge, and Comenity is not responding to my requests for more information.
The dispute goes as follows : " This item was delivered with major water damage. XXXX documented the damage and its also mentioned in the XXXX that XXXX XXXX XXXX issued as well as in photos in the email thread ( all attached here ) XXXX XXXX XXXX issued a XXXX requesting all original packaging be returned. I explained due to the water damage to the item and packaging I was not going to be able to ship the item back in the original packaging and needed packaging provided along with a XXXX pick up.
This is a large item that was delivered via freight - XXXX XXXX XXXX originally requested I go to XXXX to get a box but after visiting XXXX it was descovered they do not carry boxes of the appropriate size XXXX XXXX XXXX then told me I would need to buy a second XXXX monitor to procure packaging to send the original broken one back.
XXXX XXXX XXXX is not acting at all in good faith and making it impossible to make this transaction right. '' I sent the entire email thread with XXXX XXXX XXXX support where they said I would be required to buy a second XXXX monitor from them to return this item. I also sent the XXXX that has the carrier ( XXXX ) statement of damage to this item in transit, and finally I included photos of the damage as it was taken off the freight truck.
Yet even with all this data Comentry is still holding me accountable for a disputed charge and not investigating this case at all.
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
XXXXX
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.
03/21/2023
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
98201
Web
Older American
Comenity bank apparently took over servicing for XXXX XXXX XXXXXXXX XXXX XXXX XXXX accounts. I was not notified of this and only discovered it when some autopayments I had scheduled to be paid with my XXXX XXXX XXXX credit card were rejected because that account had been closed without my knowledge. When I was able to discover that Comenity had taken over I contacted them and began the process to get the Comenity card. I did receive the Comenity card but haven't activated it ; so nobody has that card number and it can't be used. Before I even received that card I received a bill from Comenity with charges that were invalid and had never been paid to anyone. Those charges were paid with the XXXX XXXX XXXX card previous to Comenity 's involvement and I paid the XXXX XXXX XXXXXXXX bill for those charges- I have proof. I began communicating with Comenity and opened a dispute with them on XX/XX/XXXX which they acknowledged in writing. The letter acknowledging the dispute committed not to add late fees or finance charges or report a delinquency to the credit bureaus during the dispute process. They have actually done all of that. I've made at least 8 phone calls to Comenity and sent several messages through their secure message center to get this resolved. After another phone call on XX/XX/XXXX, I was told that it would be escalated. I finally received a letter from Comenity requesting information on XX/XX/XXXX. I replied with that information via certified mail. They received that on XX/XX/XXXX. The next day their collections department called me. After explaining the problem ( again ), I was transferred to the Customer Care team ( again ) and was told the dispute would be escalated for the 2nd time. The issue is that Comenity added not only the original invalid charges, but also 15 more charges for the same vendors that they didn't pay. I have documented proof that those vendors never received any payment from Comenity. In fact, Comenity has never paid anyone on my behalf. I believe that there was a problem with the " transfer '' from XXXX XXXX XXXX ; but Comenity has refused to acknowledge that or to remove the erroneous charges.
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.
09/22/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
91103
Web
This is a complaint on the Children 's Place Rewards Store credit card.
I had a balance of {$260.00} that was due on XX/XX/XXXX, I paid off the balance on XX/XX/XXXX in the amount of {$260.00} ( 18 days before my due date, no residual interest ). For the next month, my balance should have been {$0.00} but they charged me an interest of {$2.00} on a {$0.00} balance, including a charge of {$0.00} for account protection ( Account XXXX which I have no confirmation of signing up for ). In fact, I have an email stating that I am not signed up for it. Regardless, based on their guidelines for Account XXXX, you are not to be charged when there is a {$0.00} balance.
Then late fees and more finance charges were added in the total of {$6.00}, which I paid of on XX/XX/XXXX.
The next month in XXXX I have a finance charge on my statement again, including late fees and charges for account XXXX. The same charges were added and I once again paid it off on XX/XX/XXXX.
Please note I closed the account on XX/XX/XXXX XXXX received a confirmation letter from them. At that time, I asked about the charges and they agreed they would remove them.
To this day, I am still getting calls to pay what is supposedly owed even though I explained I have already cleared my balance and asked why they are charging interest or finance fees, adding account XXXX charges and late fees on a {$0.00} balance. Today I called Comenity Bank, and they gave me the run-around, placing me on several long-holds several times. I asked to speak to a manager or supervisor since I had already resolved this issue in XXXX. In the end, they alleged the system was not working and to call back.
If I pay this balance which is now around $ XXXX, I fear they will forward a finance charge on a paid balance of {$0.00} again and this cycle will continue and will never be paid/cleared.
I feel this is consumer/credit card fraud. All charges should be transparent at the time you have to pay your bill so that a customer can pay off their balance and there are no surprises after you think you have paid off your bill. And lastly, a finance charge should not be charged on a {$0.00} balance.
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!
03/31/2023
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Privacy issues
MA
024XX
Web
On XX/XX/23 someone, somehow fraudulently opened an IKEA Projekt Credit Card in my name ( I have never had an IKEA card at any point in time ). I didn't realize this until I was mailed an actual credit card along with a statement to my house on XX/XX/23. I called IKEA to report the fraud and asked that they close the account and report to the 3 credit bureaus. I also called the 3 credit bureaus, placed a freeze as well as opened a dispute with IKEA and the credit bureaus. I also opened a dispute with IdentityTheft.gov and even went to the police station to file a report for identify theft. I went to the post office as well to make sure no one tried to forward my mail. I have excellent credit ( XXXX ) and have never had a late payment or issue in the past.
On XX/XX/23 I called IKEA back as it appeared from one of the credit agencies that the dispute was closed. I was informed that the account was closed on XX/XX/23 ( though I called on XX/XX/23 to have this closed ) and they said the account was valid so they had also closed the dispute. In speaking with the customer agent and asking them to re-open the dispute I wondered how someone could have opened this account in my name. She mentioned they allow for " virtual cards ''. I then went on the IKEA website and tried to walk through the process of how an account could be opened. Apparently you can pre-qualify for a card with just your mobile #, last 4 digits of an SSN and zip code. This is unbelievable! I told the agent that everyone uses this information to authenticate when you call into any customer service center. So anyone has this and can then go to IKEA.com and open a card. I believe this is what could have happened since there were only charges on that one day ( XX/XX/23 ) and then the physical card was then mailed to my house. I don't believe my SSN was fully compromised as there have been no other fraudulent activity on my credit report, just this IKEA card. This tells me that someone knew how easy it was to open a card with IKEA and it could have been any number of people who authenticate individuals with their phone number, last 4 digits of their SSN and address.
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
117XX
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.
06/09/2023
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
VA
20148
Web
I opened a New York & Company Runway Rewards Credit Card in XX/XX/XXXX with Comenity Bank. This card is issued for exclusive use with the New York & Company store. I have never upgraded this card to any other type of credit account. I have always received Runway Rewards Credit Card statements. On XX/XX/XXXX, I begin receiving Comenity Bank Mastercard statements for this same account ( the last four digits of the account were displayed correctly ). I received these Comenity Bank Mastercard statements on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also received the monthly Runway Rewards Credit Card statements from Comenity Bank and Bread Financial on XX/XX/XXXX and XX/XX/XXXX. I have attached copies of all of the above as evidence. I have never applied to Bread Financial. On XX/XX/XXXX, I contacted Comenity Bank customer service. I stated to them that I was receiving Mastercard statements and provided the dates and Comenity Bank email address. I confirmed that I had not applied for or authorized a Mastercard upgrade. Comenity Bank confirmed the email address was their valid email, confirmed that my account was showing as a Runway Rewards account, and that they no longer offered a Mastercard. The rep stated she spoke with a supervisor regarding this issue and stated there was nothing they could do. Instead of researching this matter to resolve it, as I insisted for them to do, Comenity suggested I try to resolve this issue with another department. I ended that call, called Comenity bank again and was transferred to what I believe was their " fraud '' department. This department confirmed my Runway account and recommended that I contact their customer service department. At this point, Comenity bank has refused to take responsibility for this issue, refused to do a thorough investigation, and could not confirm that I would not continue to receive Mastercard statements. They also stated that they " didn't believe '' this account was being reported to the credit bureau as a Mastercard. On XX/XX/XXXX, I contacted Mastercard and provided this information. Mastercard indicated that I needed to speak with Comenity Bank.
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
125XX
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.
03/29/2023
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
WV
XXXXX
Web
I received a phone call about a missed payment in XXXX of XXXX from Kays Jewlerys/Comenity Bank . I spoke with the woman told her not only had I paid XX/XX/XXXX but the XXXX payment as well. She said they had not received it. I was directed to contact my banks bill pay to send proof of payment and send it to the secure message center. I promptly did so. After that I never heard from Kays again until the XXXX bill came with a late fee so I called to ask about it. They said again they never received anything. So, I spoke with a supervisor who asked me to send it again and mail the proof. On that same call I said in good faith I would pay the entire about that was left on the card with the exception of the fees for the missed payments and the sum of those payments. I paid {$140.00} which was the amount given to me by the supervisor.
After that I received multiple letters that said they would not charge me or turn the payments into collections while my account was in dispute.
It is currently XX/XX/XXXX and I have received eight of those same letters that also say my dispute will be resolved in 90days or less. I have been charged over {$800.00} in fees. No one has ever contacted me from the company. I have sent emails, called multiple times each month, sent over 20 secure messages, mailed five letters of proof to different kays entities, and even went to the local store three times to try to figure this out. The Manager of the local Kays has called on my behalf three times and has been met with the same rudeness and unwillingness to help. Constantly I am met with no help, unkindness, and absolutely no results. My bank has also tried to find results and is working to file an improper endorsement claim against them. As we have proof that the checks were received and cashed by comenity bank.
Prior to this I had an XXXX credit score and 11 year credit history with XXXX missed payments. My credit is now XXXX because of this delinquency. I have done my due diligence to take care of this and no one will help me. I am happy to pay for something I bought but I shouldnt have to pay for it multiple times or for fees I didnt cause.
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
672XX
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!
04/28/2023
Yes
Credit card or prepaid card
General-purpose prepaid card
Unexpected or other fees
MD
21784
Web
In XX/XX/XXXX, my credit card was used by a unauthorized user. Comenity quickly took action to investigate the problem and credited my account, however, in the meantime, they shut down the account and reactivated a new credit account. In XXXX, I paid off the balance due using the previous account number as the bill still referenced this number. In XXXX it was identified that my payment had not credited to the account. During this time, Comenity banking systems were hacked and customers could not access their accounts nor get assistance from the Customer Care Team. Eventually, their systems were restored. In XXXX, I was told that I would need to get a letter from my bill pay provider with the payment information for Comenity to investigate and identify where the payment went. Since then on a monthly basis, I continue to receive a bill from Comenity and I directly folllow up on the status of their investigation. On XX/XX/XXXX, Comenity issued a letter to me, advising the payment made was returned to me due to an invalid account number. No details as to where and when the money was returned. I immediately contacted them for this information as my bank has not received these funds. When contacting Comenity, they evade customer questions giving generic/standard responses. I escalated my call to a manager, that said she would inquire and get back to me within a couple days. However, this to was false, I never heard back from the manager. Since then, I received a new letter dated XX/XX/XXXX, advising that my " claim '' has been received and needs to be investigated and I should allow them up to 90 days for them to complete the investigation. I has spent endless hours trying to resolve this with Comenity. Each time I call, I get tossed around, and their staff seem to be uninformed on how processes work. It should be simple to provide the customer with bank/ACH information for the returned funds. My bank simply needs this information to locate the funds. I am done with worrying about this matter and need resolution. I would not recommend anyone to open an account with Comenity. I want to know what I can do to get this resolved.
09/28/2022
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
GA
30013
Web
Older American
I received 3 debt collection letters from XXXX XXXX XXXX XXXX for debts that were not mine. I called on XX/XX/XXXX and told the agent that those were not my debts and that they have the wrong XXXX XXXX. The agent asked me for my date of birth and the last 4 numbers of my social security number. I refused to give my personal information. I was told that they can not help me if they can't verify my account and they hung up. I called again only to get the same request for my personal information. I went to XXXX just in case the letter was a scam. I chatted with XXXX XXXX of XXXX XXXX XXXX and told her that the debt was not mine. Again, after 2 hours of communication with them and government agencies, I was told that I have to give my personal information including my phone number to verify the accounts, which are from 3 different banks that issued credit cards. I called Comenity Bank, which is one of the issuers, and they could only pull up my one account I have in excellent standing. Finally, after speaking with government agencies, where one suggested I send a certified letter stating that those are not my debts and not to contact me again, I called XXXX for the third time. I spoke to XXXX XXXX, who asked for my personal information, which I refused for the 4th time. I told him that the letter threatens to report the unpaid debt to the credit bureaus, so XXXX has to have the social security number in order to make the report and he won't get any personal information from me, not even my phone number. He finally gave me the last 4 of the person 's social security number XXXX and that XXXX XXXX opened the account with Comenity Capital Bank, XXXX in XXXX, had it a year, made a phone purchase with XXXX and defaulted on the payments XX/XX/XXXX. He also mentioned a couple of other purchases. I told him that it was not my account and neither were the other 2. He said that he would take my address off the list, but I don't believe him. I had this problem with XXXX in the past where I made a report on this same website. I am exhausted. It is unfair that I have to do anything if it is not my debt and I want everyone to be aware.
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 {$25.00}. My daughter then called the Zales store the ring was purchased at and demanded to know why the account was showing the ring was not returned. She was then informed by an associate who claimed to be the manager, that in order to return the ring, my signature or my daughters as she used her Zales authorized signer card, would need to complete the return.
Due to the ineptitude of the store associate my daughter spoke with on XXXX XXXX, my account was placed in a COLLECTION status and reported to the credit bureau. I am beyond furious at this turn of events. Store associates need to be properly trained on how to deal with returns. Because of turn of events, my credit has been negatively impacted due to a store associate not understanding the return process. If we were informed the return would require a signature, there would be no question it would have been taken care of BEFORE the first due date of the payment on XXXX/XXXX/XXXX.
The issue with the credit bureau should be corrected ASAP. I do not want to pursue this matter further by filing a complaint with the CFPB or other consumer protection bureaus, but I am beyond furious this has happened.
04/19/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Card was charged for something you did not purchase with the card
NC
27284
Web
On XXXX23 I was alerted by message from Comenity to hat there was suspicious activity on my account of charges for {$.00}. They asked if these were my charges and I replied no. They replied there was nothing further for me to do on my part and they were closing my card and issuing me a new one. I did on that day try to call anyway to make sure all was ok but for several hours the calls just kept disconnecting on every prompt I pushed for a representative. I received the new card and no billing statements so I assumed all was ok and the fraud charges were removed. Today, XXXX23 I received a credit alert that there was a report of a delinquent account..Comenity! For a total of {$45.00}. I logged in online and was able to see the charges. They are broken down as such ; XXXX23 10 separate charges for {$.00} each XXXX23 late fee of {$9.00} XXXX23 interest of {$2.00} XXXX-23 late fee of {$21.00} XXXX-23 interest of {$2.00} I tried again today for over 2 hours to contact them and the same thing! Disconnected over and over! I sent an email and attached the message alert with confirmation from XXXX-23. I also sent a written letter out today and disputed the charges with full explanation, in writing.
While looking up the address I saw where I had 60 days from the date the charge was made to dispute but I did verify on that exact date that it was fraud and was told I didnt need to take any further action. Although I did try but was unsuccessful in calling. I was unaware the charges still existed until today when I received the credit alert. I also saw in that same literature where Comenity can not report you delinquent to credit agencies if there is a charge in dispute. They had proof from XXXX-23 that the charge wasnt valid because it was confirmed when they closed the card and sent me a new one. They should have never reported me delinquent to credit agencies.
Important **** the card number listed is the old card number. The new one ends in XXXX but I dont know the full number because I have not activated the new card and put it away. The number that will be listed in the card number section will be The old card number.
11/04/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
WY
827XX
Web
XXXX XXXX Account XXXX Comenity Bank I have requested this account to be closed on XXXX XXXX, 2022. I paid the full balance due of {$35.00}. I received a reply from the company on XXXX XXXX stating they will not close my account until the full balance due is paid. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest.
XXXX XXXX Credit Account - Comenity Bank I requested this account to be closed on XX/XX/2022. I paid the full balance due. I was told that this account was closed on XX/XX/2022. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest.
XXXX XXXX XXXXXXXX XXXX Account XXXX Comenity Bank I requested this account to be closed on XX/XX/2022. I paid the full balance due. I was told this account was closed on XX/XX/2022. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest.
This company refuses to close these accounts and continues to charge me {$2.00} per month ( their fee ) plus interest. In addition, they are reporting these XXXX accounts inaccurately to the credit report agencies showing I owe the full credit limit as opposed to a {$0.00} balance and the account was requested to be closed.
I have filed a complaint with the XXXX XXXX XXXX and received a " blanket '' response from Comenity Bank ( same response they have given to all their customers with similar issues ) that they are researching my concern. I have filed a complaint with XXXX disputing all three accounts which will remain open until XX/XX/2022. This company is affecting MY XXXX XXXX due to the fact that the unpaid balances are showing up as late.
After several requests, they refuse to send me a letter in writing that my accounts have been closed. This company does not operate in good faith.
08/12/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
SC
293XX
Web
I have a Mastercard that I received when I went to XXXXXXXX XXXX XXXX and they offered a rewards program. I have been using my card and have had my payment automatically drafted from my account every month for 3 years - never a problem. I noticed during my online banking that my XX/XX/XXXX payment that was drafted was {$270.00} instead of the $ XXXX that I pay each month. I attempted to go online and figure out what was causing the problem, and after attempting to login several times without any luck, I tried calling the number on the back of my card. After entering my details, I received an autoreply that they could not speak with an authorized user. I am the account holder - not a user! As soon as the message was over the call was automatically disconnected. I started looking for other ways to contact Comenity ( they began processing payments several months ago and they've recently been taken over by Bread XXXX or possible changed their name to Bread XXXX ). I began doing some online research to see if there were other complaints from consumers, and there have been hundreds. This Comenity/Bread XXXX has been ruining consumers ' credit scores by reporting false information such as consumer hasn't made monthly payments, late payment fees being applied month after month when they're claiming consumers did not pay. It is IMPOSSIBLE to speak to a human about this critical problem and I'm terrified my credit score is going to be impacted this month. I assume the {$270.00} was possible late fees and not my automatic payment, but it's impossible to determine because Comenity 's online system is down and has been down for several weeks if not months, as reported by other consumers who have filed complaints against Comenity/Bread . I believe a class-action lawsuit has recently been filed against Bread XXXX and I am pursuing this course of action. I have done absolutely everything required by me to determine why my XXXX automatic payment was about {$200.00} less than my last monthly automatic drafts by going online to access my account to calling them directly to pay this credit card account, with absolutely ZERO success.
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
109XX
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
05/02/2023
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
NV
89107
Web
Hi- I applied for a New York & Company credit card on XXXX to receive an additional 30 % off my first purchase. They allowed me to use the credit line but after calling both the store Customer Service line and the Credit Card servicing line, they did not know how to provide the discount to me. They said they were experiencing technical difficulties and I would definitely get a 30 % off promotion in the mail when my actual card was received. It never happened. I have emailed customer service on multiple occasions and the response makes no sense. It is as if there is some sort of language barrier and they are not understanding what I am asking.. I have emailed them twice regarding the issue and have received responses back including the following : " We are sorry you are having issues using your NY & C Credit Card etc. '' The last email I stated to them that they were in violation of XXXX for never providing the discount to me for getting the credit card. I stated I was going to file a complaint with the CFPB and my later emails were returned, the customer service employee had blocked my email address. I have told both sides NY & Company as well as Comenity Bank who provides their credit card. No one cares nor knows what to do. Again, after the last email regarding the issues, my email was returned as undeliverable. The company blocked my email address apparently as I was very upset and that had never happened before. The last email sent on XXXX had the same reply that made NO sense.. " We understand that you are facing difficulties placing an order with your NYCO credit card, and we want to help you resolve the issue. In most cases, the NYCO card is not accepted due to its XXXX length. '' I have all the emails that I have sent to customer service as well as these responses that make no sense ( not even relevant to not providing the discount ). See attached documentation. I also have proof that I was blocked after that. This is a last resort. I have been a loyal customer to this company for so many years. Very disappointing and that they really do not care at all. I appreciate your help. Kind Regards, 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
196XX
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.
04/13/2023
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
700XX
Web
XX/XX/23 : received email from Avenue.com that my return was received and refund would be credited to my Avenue credit card ( Comenity Bank ) within 5-7 days.
date unsure, but before XX/XX/23 : contacted Avenue.com because my refund was not showing on my CC statement and was directed to Comenity customer service XX/XX/23 : sent secure message through Comenity site that my refund was not showing on the card. Included this information : Refund initiation date : XXXX XXXX Reference Number : XXXX Order number : XXXX Grand Total {$120.00} XX/XX/23 : secure message reply received on Comenity site that XXXX XXXX would submit dispute on my behalf XX/XX/23 : received letter via USPS mail that Comenity could not verify a return made on my account despite providing them with reference details. I sent secure message via Comenity site asking for an email address to send copy of return receipt. Could not upload any files through the site as there was a " system error '' ( which is still happening today, XX/XX/23 ).
XX/XX/23 : placed phone call to Comenity and the automated system does not allow you to speak to anyone about disputes or even select that option. Spoke to someone in a different department and they referred me back to Avenue.com.
XX/XX/23 : received reply via secure message with instructions of how to upload attachments -- which doesn't work due to the system error. Also told there is no email address and I have to mail in my evidence.
XX/XX/23 : spoke with Avenue.com customer service rep XXXX via chat. She confirmed that there is a return on my Avenue account and asked for my credit card statement to prove it didn't get credited to my CC account. Sent evidence via email. XXXX said she would escalate my issue and contact me via email with a response, within 3-5 days.
XX/XX/23 : No update received as of yet, even though it's been more than 5 days. Spoke with Avenue.com customer service rep XXXX who was able to see my previous chat history. XXXX explained that my issue had been escalated and that the team is in XXXX, so that's why there is a delay in how long they take to respond. That makes no sense.
10/26/2022
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
CA
XXXXX
Web
Older American
I filed XXXX complaints with CFPB regarding a Fraudulent charge of $ XXXX not made on my phone or computer, and without my knowledge or consent, but was allowed by XXXX XXXX XXXXXXXX who did not call me to confirm if the transactions were made by me. In the past XXXX XXXX XXXXXXXX denied a transaction to a XXXX XXXX causing me to call them to verify that it was a legitimate transaction. This time XXXX failed to contact me to verify the legitimacy of the " Fraudulent '' transaction mentioned on my below mentioned complaints on : ( CFPB Complaint numbers # XXXX and # XXXX ) Instead XXXX XXXX XXXXXXXX approved the Fraudulent Transaction and during the CFPB investigation, XXXX transferred the Fraudulent XXXX XXXX debt XXXX to Comenity Capital Bank, XXXX XXXX XXXX.
On XX/XX/2022, I spoke with " XXXX '' at Comenity Capital Bank because I received several " Hang Up Calls '' from them as per Caller ID. I also received a collection letter from them date XX/XX/2022, attempting to collect the fraudulent debt XXXX transferred to them during CFPB investigation as per the aforesaid complaint numbers. Please note that " I texted several messages to Comenity Capital Bank '' to the telephone number reflected on my " Caller ID '', to include pictures of the CFPB Complaint numbers, explaining the fraud situation asking them to cease and desists collection activities and to contact CFPB and provided your office telephone number.
When trying to explain what occurred to XXXX, he stated that they were not Bank XXXX XXXX at which time I explained about the Fraudulent debt and that I texted information regarding the fraudulent charges and that they should contact XXXX and CFPB to corroborate my statement. I asked him to document what was stated during our phone conversation and for XXXX to ask his management what to do about the Fraud XXXX sent them. XXXX then said that he would transfer me to their fraud unit but I informed him to document our conversation and that I had already texted that information and to contact XXXX and your office ( CFPB ) and culminated contact. Comenity Capital Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
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.
07/14/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
TX
75703
Web
Older American, Servicemember
XXXX XXXX SOLD THE XXXX XXXX credit card to Comenity bank. Not having an invoice or payment address I sent a payment of {$400.00} in XXXX. I then followed that with a XXXX {$1400.00} check. The {$400.00} payment was deemed late, and a fee charged. The {$1400.00} check was cashed on XX/XX/XXXX by Comenity Bank at XXXX XXXX XXXX. It was never posted to my account. Calls were transferred to the next available Agent, but all anyone heard was beep, beep, beep, were sorry but you have reached a number that has been disconnected or is no longer in service. Numerous calls by friends, relatives and associates, /day/week ALL had the same result.
We used the phone, because we could not log into the site.. ooops, a glitch has occurred. Please try again. Or we are updating our system, all you can do is pay your bill. I already paid my bill, I wanted to find out what happened to my {$1400.00}! I sent a XXXX payment of {$500.00} on the XXXX. ( actually I do not write checks. My bank, XXXX, sends the checks or transfers. ) I managed to login in mid XXXX, and electronically send a copy of the cancelled {$1400.00} check. Then no access for three weeks! I sent a letter with a copy of both the front and back of the check. Nothing! No email, no customer service reply and apparently no action.
I was so frustrated that on XX/XX/XXXX, I requested XXXX XXXX to send a {$6000.00} payment. Nothing happened! No site access, no email, no invoice, AND, still no action by Comenity bank!
I mailed a Certified letter from XXXX, Texas to XXXX XXXX ( XXXX miles ) with printed copies of the cancelled check, it took over 10 days to receive the signed return XXXX card. And the nothing has happened.
So, when this all started, the balance was around {$7800.00}. XXXX XXXX has sent Comenity Bank checks in the amounts of : {$400.00}, {$500.00}, {$1400.00} and a {$6000.00}, at my request. A total of {$8300.00}. Today I was able to log in for the 1st time in over 1 mo., to see my XXXX statement. It says I need to send Comenity Bank a payment of {$490.00} by XX/XX/XXXX.!!
Please help me with this gross financial problem.
Graciously XXXX
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
604XX
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.
12/08/2022
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
NV
89014
Web
On XXXX XXXX. I went to the store to make a purchase and my card kept getting declined. I called the number on the back of my card to see what the issue was about after going back and forward for about XXXX, I was told they could not help me and that I would need to write a specific department to see what the issue was about. I paid for my items, not suing the credit card being declined and went home.
Once at home I called again and was advised I was being recorded, I too recorded the conversation.
The supervisor told me that the reason my account was restricted was because I sent a Cease and Desist to Comenity Bank. I explained I have a copy of the C & D dated XX/XX/2022 and that it clearly stated to C & D from sharing my personal non public information since I was never given the proper disclosures about permissible purpose and my right as a consumer to 'Opt Out ''. The C & D was never giving them instruction to not communicate with me as a consumer regarding this account.
I was told by the supervisor that whenever they get a C & D they restrict the account/ block the consumer from using it. As I was Understanding, I stated to him '' so you are telling me that in retaliation to the C & D, commenity bank restricted my account from using my credit card, simply because I was asking commenity to respect my Privacy according to the law and not share my information '', he once more, confirmed it " yes we do that whenever we receive a C & D. I asked him to state his name for the record and he did, he then informed me he would submit a complaint on my behalf. I told him what the company did was unlawful and that I would be pursuing it legally.
he provided a case number. XXXX I have copy of the letter sent to them and delivery proof of the C & D sent to them on XX/XX/2022, along with certified mail receipt tracking number.
Fact : No prior notice or warning regarding the status of my account had been given, nor provided to me through any means of communication. The only letter I received from commenity stated that they received my correspondence and that they noted my account. I have that letter with me.
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
XXXXX
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
08/26/2023
Yes
Credit card
Store credit card
Fees or interest
Problem with fees
UT
84721
Web
Hi! we have tried to resolve this issue with the conmenity bank over a charge with victoria secret account where it seems like they have created 2 accounts for my wife where only one should be active. However, even if the account was used the balanced was paid in full on XX/XX/2023, Payment in the amount of {$150.00} was made then and they told me that the actual late fee of {$30.00} was going to be credited back to the account as a courtesy one time a year. I said thanks and that we needed this account to be close. However, they never closed the account wanting me to call when some one can speak XXXX where it finally occured today XX/XX/2023, we talked to XXXX and XXXX that initially said his name was XXXX? here in this call, we rephrased the same XX/XX/XXXX chapter about the full payment applying to account one day late and that such late fee in accordance with the operator in the call, was suppossely be dropped, this last thing never ocurred and they keep on accruing late fee charges on the account that it no in use and that we ask and ask to close it. They are sustaining that such credit must be approved before they can apply the credit but it was preciously approved and now they are dennying it! I have talked to XXXX, and other several customer service people where no one seems to be able to help in resolving such confussion? we do not want this account open! we have other account with a Master card on same victoria secret that we are using and as a result of this misunderstanding, we want nothing to do with victoria secret. they sustained off course after the payment has gone thruogh that now they can not credit the late fee back and another month has gone through where now they have put the account to {$62.00} all in late fees base on a late fee that they never removed, Now! how can we allow this company to froce us to pay what we do not owe them? we never make a partial payment we make full payments everytime. Victoria Secret Conmenity Bank regular credit card. Note : They said that they will continuo to accrue late fees on it and that they are not seing such credit back in XX/XX/2023.
02/25/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CA
94565
Web
On XX/XX/XXXX, I made 2 payments by an automated phone system to XXXX credit card provided to me by XXXX XXXX. The first payment I made was for {$65.00}, after making the {$65.00} payment, I decided that I did not want to have to owe on this credit card any longer and called back within 15 minutes to make an additional and final payment of {$230.00}. When I called XXXX automated system the second time to make the {$230.00}, the system said my payment was not authorized, it did not provide a confirmation number and the phone hung up. I then decided I would just inquire later why my payment did not go through because I had gotten too busy and no longer had time to handle the matter. Later that day on XX/XX/XXXX, I checked my bank account transactions and noticed the {$230.00} had been deducted from my account. I immediately called XXXX to ask about my payment and they said they never received it. I called my bank and they said the payment cleared on their end and that it could not be disputed since I intended for the payment to take place. My bank advised me to contact XXXXXXXX XXXX to have them help me resolve the issue. I called XXXX again and they then informed me that their system will not allow me to make 2 payments on the automated system in 1 day and that is why they don't understand what happened and they do not see the payment applied. I provided XXXX with a record of my bank transactions showing that the {$230.00} was taken from my account and shows XXXX as the merchant it was paid to. By me making the final payment of {$230.00}, the card would be paid off and I can close my account. I find this odd that when I try to pay off and close my account that they claim not to have received the payment. I had the transaction on my statement. I spoke with XXXX a final time after sending them a screenshot of my bank record which shows the transaction of {$230.00} and they said they would issue me a refund by mail in the form of a check but it could take 2 weeks for me to receive it. I do not understand why I have to wait 2 weeks for a papercheck and I no longer trust XXXX XXXX or their systems.
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
028XX
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.
03/08/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
DE
19966
Web
Older American
Through XXXX XXXX I used XXXX XXXX XXXX through Comenity Bank. It was a two part promotional plan, one ending XX/XX/XXXX the other ending XX/XX/XXXX. Upon receiving the first bill I contacted customer service to get a full understanding of my plan and to make sure at the end I would not accrue interest. It was explained that my total amount due by XX/XX/XXXX divide that by the number of months before plans ends. That gives you a monthly figure to pay. To assure this was correct, I called back a second time and spoke to a different representative who explained it the same way. So once the first part is paid off, I have until XX/XX/XXXX to do the same for the second part. Follow that same payment plan and you wont accrue interest because your paying your balance off before it ends .On the first part of my plan I had the balance left of {$280.00} which was due by XX/XX/XXXX. I made that payment on line XX/XX/XXXX. When my account billed which would have my balance for the second part of my plan due in full by XX/XX/XXXX, I was charged {$850.00} in interest on an interest free promotional plan. When I called and spoke to a representative, I was told that I was charged interest because I should have been paying a minimum payment for the second part plan while I was paying on the first part plan. Even though I was paying more than the minimum payment due, I should have been adding extra for the second part. This is not how the plan was explained. And why give me a expiration date of the plan of XX/XX/XXXX if i had to pay it off as i was paying on the first promotional plan? The representatives obviously didnt understand the plan, because on more than one occasion it was explain by Comenity Bank Representatives . Why have a two part plan if your expected to pay on both at the same time. Bill me for both and show me on my bill what my payment is for each. I paid off both my promotional plans, with no missed payments and paid off by the date required. Comenity has added accrued interest of {$900.00} that I feel that do not owe. The balance is all interest added on after I paid the first plan in full.
07/06/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
OR
975XX
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
03/14/2023
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
IL
60618
Web
I applied for the IKEA projekt card because a promotion stated that initial purchases of {$2500.00} or more would receive 24 months with 0 % interest. I was moving into a new apartment and didn't have any furniture of my own, so I thought this would be a great option. I did a lot of research, and everything looked pretty good. I was approved for {$3400.00} ; my initial purchase was {$3200.00} ( XX/XX/XXXX ). Upon receiving my first statement, I saw that the incorrect promotion was applied to my account.
Instead of receiving 24 months with 0 % interest, I was only given 12 months with 0 % interest. IKEA projekt card offers 12 months with 0 % interest if your initial purchase was over {$1500.00} and under {$2500.00}. I called the customer service associated with the card ( XX/XX/XXXX ), and I was told they would open an investigation. I called approximately once a month to check in on the status of the investigation, and I was told each time that it was still under review.
After not hearing back from them about my investigation, and due to concerns about a possible language barrier with the customer service representatives, I decided to message them through my account to ask about the issue. They continue to state ( as of XX/XX/XXXX ) that the XXXX promotion was applied to my account, and they have not responded to the fact that my initial purchase qualified me for the XXXX promotion. They have not explained any rationale or reason why the XXXX promotion was applied to my account instead of the XXXX promotion.
I have reviewed the paperwork that came with my card, as well as the legal documents on the website, and they all confirm that initial purchases over {$2500.00} receive the XXXX plan. Furthermore, I have not broken any other aspects of the contract ( i.e., late payments, less than minimum payments, etc ). I have paid all of my bills on time, and I pay well above the minimum payment each month. I have been trying to resolve this error with IKEA 's credit card company since XXXX of XXXX, it is now XXXX of XXXX, and they still have not corrected the issue. I don't know what else to do.
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
220XX
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.
03/12/2023
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
CA
90035
Web
Comenity Bank underwrites the PayBoo credit card for XXXX & XXXX XXXX in New York. It is a card that is only usable at XXXX & XXXX XXXX. They have special financing offers up to 12 months no interest if paid in full by the end of the 12 months. And if the full amount of the balance is not paid within those 12 months, the entire 12 months worth of withheld interest accrued is then added to the overall balance of the card.
The problem is that if a consumer uses their card to make more than one transaction on different dates, Comenity does not apply the payments made to the most recently expiring offer, which makes it extraordinarily difficult for consumers to pay off their balances and avoid the huge interest fees.
For example, if I make a purchase in XX/XX/XXXX for {$1000.00}, I need to pay off that {$1000.00} purchase by XX/XX/XXXX. And then if I make another {$1000.00} purchase in XX/XX/XXXX, it wont be needed to pay off until XX/XX/XXXX.
The problem is that Comenity, when applying any payments made, does not apply payments to the most imminently expiring balance. So if I make a {$200.00} payment to my account, it splits that {$200.00} between BOTH {$1000.00} transactions and applies it to each.
Mathematically, this makes it extraordinarily harder for a consumer to pay off XXXX XXXX expiring balance if the money that theyre sending in to try to pay off a promotional balance its expiring in a couple of months is instead being applied to a promotional balance thats expiring in several months.
Whats worse, his Comenity does not explain this in any of their statements, nor explain how the money is split, nor explain how much money you need to send in an order to get something actually paid off in time.
They very clearly do this intentionally, in order to deceive their customers, so the customers dont realize all the money theyre sending in isnt actually being applied to the most urgent balance.
And of course thats done intentionally because Comenity wants to be able to charge customers their exorbitant interest rates instead of having customers pay off their balances on time.
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
622XX
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.
05/22/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CA
90004
Web
I hope this letter finds you well. I am writing to formally lodge a complaint against XXXX credit card regarding the extremely disappointing experience I have had with their credit card services. I believe that their practices have violated consumer protection regulations, and I kindly request your assistance in addressing this matter.
I opened this credit card and used it only once for a total of {$490.00}.
I applied for auto payment, and although my bank balance was sufficient, the payment was not made on the scheduled date, and they charged me a return check fee for {$30.00}.
And {$12.00} of interest charge was followed after.
As soon as the issue arose, I asked them for an explanation and double-checked the information to ensure that the payment could be resubmitted.
I noticed that the amount was posted five times on my bank 's website, so I immediately raised the issue.
During the chat, they informed me that my payment had been successfully processed.
However, a few days later, I discovered that they had charged me a {$30.00} returned check fee again. I explained the situation over a phone call and was able to make the payment again using a debit card. So far, they have charged me over {$70.00}.
They promised to refund the fees to me later if I paid all those amounts, and I made the full payment. However, despite a considerable amount of time passing, the refund has not been received.
When I called them again regarding this issue, they informed me that they are unable to refund the charged amount.
I still don't know what went wrong with the bank information I provided.
I have been using that bank for over 10 years, and until now, there have been no issues, and my balance has been sufficient.
The fact that I am being charged {$30.00} every time I try to make a payment through my account has caused me a great deal of distress.
The realization that they are making money so easily has made me angry.
It seems like they are charging customers for mistakes that are caused by their own system, without taking any responsibility or making any effort to rectify the situation.
04/27/2023
Yes
Checking or savings account
Checking account
Managing an account
Problem making or receiving payments
TN
37743
Web
Older American
I am requesting help for an existing complaint ( XXXX ) which was closed on XX/XX/XXXX. The original complaint is as follows : I use XXXX bill pay service. On XX/XX/XXXX I mistakenly made a payment to my old, expired XXXX XXXX XXXX XXXX card issued by Comenity Bank through XXXX 's bill pay system. The amount of the payment was {$3700.00}. The card number on that account is XXXX XXXX XXXX XXXX. The card expired in XX/XX/XXXX. I have contacted Comenity on several occasions and were told that they have no ability to search old accounts and suggested I ask XXXX to file a dispute against them to get my payment sent back to XXXX. I filed a dispute and after 6 plus months, XXXX has been unable to retrieve my payment from Comenity. Comenity also told me that I had no way of contacting directly their dispute center... very odd I thought. XXXX has verified that Comenity did receive the electronic payment from my bank account on XX/XX/XXXX. The Comenity folks told me that the payment should have bounced back to XXXX since the XXXX account was no longer valid but that has not occurred. Any help at this point would be greatly appreciated. My XXXX checking account number from which the payment was sent is XXXX. My address at the time we had the XXXX card in XXXX was : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( we have since moved to XXXXXXXX XXXX ) Please let me know if you require any further information. Thanks in advance for the help!
That complaint was closed on XX/XX/XXXX when Comenity responded : Company 's Response Weve located the payment and an electronic refund will be issued for {$3700.00}. The electronic refund should be deposited into the bank account within 10 business days.
MONETARY RELIEF AMOUNT {$3700.00} However as of XX/XX/XXXX ( over the 10 business days promised ) I STILL have not received the electronic refund into my XXXX checking account.. I have contacted Comenity by phone and but they still have no record of my old XXXX card account or of the electronic payment referenced in their response to my original complaint. Any assistance will be greatly appreciated.
03/04/2023
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
PA
159XX
Web
On Friday XX/XX/XXXX, I received a credit card I never applied for. It's the XXXX XXXX XXXX XXXX, provided through Comenity Bank in XXXX, Ohio. Its the actual CARD with the account number, and not a credit card offer. Its slate grey with XXXX XXXX logo on it. It doesnt specify if its XXXX XXXX XXXX or etc. But the attached letter does say it has a {$250.00} starting limit. I also received a couple e-mails from my credit monitoring service saying this account was opened a couple days ago, so I know its real and its now impacting my credit reports. The problem is I was never the one who applied for this card.
My credit monitoring also looks like someone was trying to apply for an XXXX XXXX card in XX/XX/XXXX, also through Comenity.
Well I have a vile stepmother whos originally from Ohio, and Im sure she still has friends there. She was HIGHLY likely involved in a credit card theft that occurred after my father died from XXXX in XXXX, among other crimes, and I know for a fact she has access to my social security number from my fathers paperwork. I cant say for sure exactly what she did because theres so much insane backstabbing and silence within my family. I find all of this deeply disturbing, IF theres any kind of connection between the family nonsense and these fraudulent credit card applications in Ohio. She would be in her early 70s now. She currently lives in XXXX XXXX from the last I heard ( several years ago ).
Im submitting this report through the PA Attorney General and the CFPB. Im not complaining Comenity themselves necessarily did anything wrong. But someone, somewhere is doing some scary, not-nice things with my identity and it needs to be stopped. Im also in the process of trying to call Comenity XXXX XXXX fraud department at XXXX but the automated call service is telling me the department is currently closed and I should try again later. Probably because its Saturday ( XX/XX/XXXX ), but it doesnt give me a time I should call back. I DO NOT want to try calling the card activation number on the welcome letter, because this is not something I legitimately applied for!
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.
04/22/2023
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
76504
Web
Servicemember
I've paid the several accounts I have through " Bread Financial/Comenity '' on time every single month for years, and on or around XXXX my credit limit was dropped significantly on multiple accounts. The only reason I discovered this was through an XXXX alert that my credit usage significantly increased/credit limit significantly decreased. I called customer service wanting to know why exactly that occurred and these people told me to call one of the credit bureaus to see why my limit was decreased. LOL. That's hilarious since the credit bureaus aren't the ones that decreased my credit limit. My XXXX XXXX account had a balance of around XXXX with a XXXX limit and that limit was decreased to XXXX. There was zero reason for that to occur ... which in turn drops my credit score because of the new credit usage percentage. I decided to pay it off completely and close that account, since the damage is already done. The same thing happened with my Ulta card ; I paid that off too and will also be closing that account as soon as everything processes. I have store cards through this institution for the following stores : XXXX XXXX ( paid and closed as of XX/XX/XXXX ), Ulta ( paid off XX/XX/XXXX, soon to be closed ), XXXX XXXX XXXX paid off XX/XX/XXXX ), XXXX, XXXX XXXX ; XXXX and XXXX cards will also be closed after paying them off.
This was completely unnecessary and unacceptable when my comenity accounts have been in good standing for years. I will be paying off all of the other retail cards that I have through this institution and closing them as well since these trashy actions were taken against me without reasonable cause. I've been working diligently over the past 7 years to rebuild and repair my credit, and this probably undid all of the progress that I had made. I did not receive any notification from the credit issuing body stating that my limit was decreased and exactly why it was decreased, the only reason I was given when I called customer service was that the credit bureaus reported a change... however my score etc has remained about the same and nothing new has been reported.
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.
06/27/2022
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
TX
77067
Web
Older American
I opened two accounts with XXXX XXXX, a Private Account of {$2000.00}, and a Store Account of {$2500.00}, in XXXX of XXXX. I noticed right away that I started having problems with them saying that they did not receive my payment in XXXX for the store account. And after I made a duplicate payment and called them the next day, they had both payments, but had charged me a late fee. I did not notice at the time but they had started reversing my payments even back then just to charge these fees. I had six months free of interest on the Private and a year interest free on the Store account. They charged interest on the Store account at six months, and I paid that and then they charged the other Private account the next month. On the store account, a fraudulent charge of {$75.00} was charged to my bank account by XXXX on XX/XX/XXXX, without my permission. There should have only been two {$75.00} payments for XXXX. I had my bank to investigate it and they found that XXXX did in fact make an unauthorized charge to my back account. At this point, I'd had enough and decided that I would pay the accounts off as soon as possible. So on XXXX XXXX I went into the store to pay the account off. I spoke with the manager at the XXXX XXXX location. He handled the processing of the final payment after calling into the accounts office to ensure that he got the correct balance on the Store account. He told me the full balance was {$1700.00} in which I paid in full, by giving him {$1800.00} cash. I also paid the Private account off on XXXX XXXX in the amount of {$770.00}. However XXXX went back and reversed that payment the same day it seems to try and charge me a late fee of {$42.00}. I then talked to my back and they suggested that I send a Cashier 's check in which I did. I am continuously getting bills from them saying that I owe them money. The latest bill has a New balance of {$100.00}, with a minimal payment of {$37.00}, due XX/XX/XXXX. These people have defrauded me out of hundreds of dollars and I am not going to pay a penny more. I want these accounts closed and I wan the to stop harassing me.
07/06/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
IA
51503
Web
I received my latest credit card statement from XXXX XXXX which appears to be affiliated with Comenity Bank. For the past year or so I have had a check sent from my HSA provider to XXXX to pay off the monthly bill since this line of credit was opened for a XXXX XXXX XXXX Everything had been going fine besides a few late charges because every now and again they wouldn't receive the check in time even though it was sent the same time every month but this last check for the month of XXXX sent out on the 1st of the month from XXXX, my HSA provider, was never received or applied to the account.
Now when I call and finally got through to a customer service representative, they could not locate the check even after I provided a check number and date it was sent out. The rep insisted I give him my banking info instead to make up for the missed payment in XXXX. We went back and forth trying to resolve my issue, I never gave my bank info, and the call ended with the rep saying he was going to transfer me to his manager and then disconnecting the call only to call back and get the same message I had for the past 1-2 weeks saying try back they are having prolonged system maintenance.
Now this contact was made on XX/XX/2022, and that was the first time I had a chance to speak with anyone OR login to my online account due to what they are labeling system maintenance which it very well could be. But for about 1-2weeks I had no way to check my balance, speak with a rep or fix this now accrued late fee.
I tried calling back today XX/XX/XXXX, and the message is still there that they are experiencing prolonged maintenance and now the website is even back down, and I am unable to access any part of my account.
My XXXX HSA check has been sent and I have notified XXXX of my issue but have no way at this time of knowing whether this is a one-time mistake on XXXX part or if I need to cancel all future payments.
I have no way of contacting XXXX and am worried the late fees will keep getting racked up and start affecting my credit score. Can someone please advise on how to proceed?
Thank you,
11/07/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with balance transfer
IN
47803
Web
In mid XXXX, a little more than XXXX weeks before my payment was due ( and end of a promotional finance period ), I started an online balance transfer process from my XXXX XXXX Bank and XXXX XXXX XXXX account ( they partner with XXXX XXXX ) to my account at XXXX XXXX XXXX ( they partner with Comenity Capital Bank ) in the amount of {$12000.00} ( that would have paid off my balance ). At the end of XXXX, I contacted XXXX when I noticed that a XXXX balance transfer I did several days later ( also from XXXX XXXX but to another company ) had been processed before my one with XXXX. At that point they said that payment hadn't been received yet and I kind of forgot about it as I was going on vacation. On XX/XX/XXXX, I received a phone call from XXXX saying that payment hadn't been received. In several phone calls with XXXX XXXX and XXXX, we worked out that the first check ( that had to be mailed, XXXX doesn't accept electronic transfers from XXXX for some ungodly reason ) would be cancelled and a new one issued, and that a promise to pay was made with XXXX for {$12000.00}. It was established that any deferred interest that accrues could be discussed once payment was received. After verifying the correct mailing address and account info, a check was supposed to be issued soon. For some reason, a check wasn't issued by XXXX until XX/XX/XXXX or XXXX. It was posted to my XXXX account on XX/XX/XXXX. After several phone calls the morning of the XX/XX/XXXX to XXXX, they are refusing to work with me on the deferred interest charges ( of about {$1200.00} ). I have XXXX late payments in my credit history and I believe I have acted in good faith. The checks I wrote for the previous XXXX payments I made to XXXX had no issue being received/processed in the approximately XXXX weeks I get between receiving my statement and payment being due. There is XXXX reason to think it should take more time for a balance transfer between XXXX financial institutions in 2022.
As a note, I only have billing statements from XXXX. XXXX and XXXX have the recorded phone calls. I have no other paperwork to provide.
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.
12/06/2023
Yes
Credit card
Store credit card
Problem when making payments
Problem during payment process
WA
99205
Web
I have a XXXXXXXX XXXX XXXX with Commenity Bank. I switched bank accounts a couple of months ago and thought that all of my bills were taken care of. I started getting collections calls from Commenity and when I went to check on my account I found that they had deleted all of my forms of payment and my bill had not been paid. I called them and we re entered my bank information and I was assured that the problem was taken care of and my payment would be withdrawn from my bank account. A week later I checked on my credit card again and the payment had still not gone through. On the statement it said it was declined. I called commenity again. We went through and deleted my bank account and manually inputted it again and I was again assured that It was taken care of. It was not. This has been going on for months now. The same thing over and over again. They assure me I am taken care of, my payment does not get paid, I call them again. The last time I called was a couple of weeks ago to try to make another payment as well as turn the card off. That payment went through, but now since I have missed so many payments I can not afford the minimum payment on the account so I was only able to make a partial payment. I was told that my regular minimum payment would be taken out the next month ( this month, XXXX ) I checked the day that my payment is supposed to come out and my account said I was all set to make the payment. It is now a week later and my payment has not been made. I'm going to have to call again. I don't know what the issue is and why my payments are not being taken by Commenity. All of my other bills and all of my other credit cards have had no issue pulling out of my bank account. I have also called my bank multiple times to insure that I have correct information and I do. This card is single handedly tanking my credit score. I am frustrated and I don't know what else to do. I work all day, everyday, I can not afford to spend hours on the phone with this company every single month to be assured that my account is being taken care of only to have it not taken care of.
06/07/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NJ
07410
Web
Older American
I made a purchase on XX/XX/XXXX at XXXX XXXX XXXX XXXX using my Comenity Capital Bank Credit Card # XXXX XXXX XXXX XXXX. I paid Comenity {$1400.00} on XX/XX/XXXX from my bill pay checking account, the money was removed from my account XX/XX/XXXX, I paid my first bill on the credit card in full. Comenity sends me XXXX Bill of {$1400.00} plus interest amounting to {$1500.00}. Calling Comenity Bank did not help at all, I started documenting & sending certified letters. I sent my checking account statement showing money was removed on XX/XX/XXXX for XXXX. Comenity said they did not receive the money and to get a trace number from bank and open a comenity. net website about my account to expedite this situation. I got the tracer from my bank on XXXXand uploaded info to my comenity account. I contacted Comenity Customer Service on XX/XX/XXXX, I certified mailed documentation to Comenity and uploaded same on my account. I then see on my checking account on XX/XX/XXXX comenity credited my account to the amount of {$1400.00}.
Then Comenity bills me {$1500.00} on XX/XX/XXXX. Clearly this amount is my original plus interest. So now I pay my original debt of XXXX to Comenity on XX/XX/XXXX and received a Confirmation 3 A XXXX. In closing I paid them originally XX/XX/XXXX, they claimed they never received it and wanted proof from my bank the transaction went through, which it did. Then they deposit my original debt into my account on XX/XX/XXXX.
Then I pay on XX/XX/XXXX.
Countless certified letters were meaningless, uploading documents to their website to my account were worthless.
My last disputed letter I sent with documentation sent XX/XX/XXXX was responded on XX/XX/XXXX and attached was a letter dated XX/XX/XXXX which I never received stating they were never paid from my checking account on XX/XX/XXXX but they confirmed they my payment of XXXX on XX/XX/XXXX.
I can't make this stuff up.
I need to be vindicated from all said monies I owe Comenity Bank.
I need to be vindicated to have a total clear record to credit card reporting companies since my credit rating went down a lot.
02/02/2023
Yes
Checking or savings account
Other banking product or service
Problem with a lender or other company charging your account
Can't stop withdrawals from your account
CA
95409
Web
I took out a loan to purchase tires through a local XXXX XXXX XXXX dealer in XXXX XXXX CA in XX/XX/XXXX. It is a 12-month no interest if paid off in that time period. XXXX XXXX has XXXX dealerships in 25 states and its XXXX. XXXX XXXX is XXXX, which in turn is 50 % owned by XXXX XXXX XXXX XXXX XXXX and 50 % by XXXX.
The loan was made by Comenity Bank of OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity is owned by Bread Financial Corp. I have deal with Comedity before on a health care loan I paid off. Finding their street address is hard as they provide consumers with a XXXX XXXX only. Customers are forced to communicate with low level call center agents who have responsibility but no authority. Bread and Comenity are blind lending institutions for the most part.
My complaint : Comenity requires that you only provide my checking account number and the routing number of the XXXX XXXX I belong to. I just received a receipt for a payment I made today. XX/XX/XXXX. The disconcerting information on that receipt was it contained the last four digits of both my checking account number and the last four digits of its routing number. This was a Big Red Flag to me. I had never received both personal numbers from any vendor let alone a financial institution before.
I found the XXXX XXXX Directory which provides the Routing numbers of every financial institution in the U.S.Was not hard to find my credit union 's full routing number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I know it's not rocket science to have criminal organizations get everything they need to break into my account let alone thousands of others. The Bank directory culls its data from the FDIC and the Federal Reserve Banks. XXXX The XXXX XXXX Directory has no corporate or government ownership information. They can only be contacted by email. Looks like a great resource for criminal syndicates to steal large sums of money to me. XXXX XXXX XXXX You have my email address, I have spoken to the Identity Theft Resource Center with much of this information. I trust that as a citizen the CFPB will look into this information.
03/27/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NY
117XX
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
334XX
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.
06/24/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Problem getting a working replacement card
CA
92065
Web
Servicemember
Sometime in 2022 Comenity Capital bank purchased my credit card account from XXXX XXXX - I was never told that the account was sold my credit card just stopped working one day. I never received notice that the account had been sold or any information from either bank with instructions on how to set up my new account with Comenity. The first correspondence I received from the bank was to inform me that my payment was late and that my account was delinquent I called Comenity on XX/XX/2022 in authorized a payment to bring my account current however they fail to process the payment. I was told at the time that a new card had been sent weeks ago and that I should have received it in the mail I believe that this is a lie I dont believe that any card has ever been sent to my address by Comenity Bank . After a couple of weeks I noticed that the payment has not posted to my bank account and that a second card that they claimed to have sent to my house has not arrived yet so I called them on XX/XX/2022 to inquire about the payment in about the new card. They claimed a new card had been sent but that the payment has been declined by my bank. When I asked why they had not contacted me they had no answer. I requested to stay on the phone with them while they made a payment from my bank account in order to make my account current which they did I paid them {$2500.00} on XX/XX/2022 and I requested a third card be sent to my home address. The third card was never sent I did however receive a letter today from the bank claiming that I was not eligible for a new card due to the status of my account. I have never missed a payment on any credit card that is currently issued to me. Comenity Bank continues to charge me late fees and interest on an incorrect balance. I believe very strongly that they are doing this on purpose in order to collect extra fees. It is my belief that they have never tried to send me a new card and that they are making it difficult on purpose for me to keep the account current. If there are any issues with my account it is the fault of Comenity Bank and not mine.
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}
03/09/2023
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
MI
490XX
Web
On XX/XX/XXXX I called express asking that my husband XXXX XXXX be removed as authorized buyer and a letter stating that he was removed. I was informed do to a XXXX ongoing system error removing my husband wasn't possible. On XX/XX/XXXX or XXXX a Sr supervisor was finally able to remove my husband XXXX as authorized buyer and I again requested a letter stating specifically that " XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' I informed customer care that the letter must state his name specifically so our lender could take it to credit Bureau so we may get our mortgage loan. I have called 18 times since XX/XX/XXXX and spent more than XXXX on the phone trying to resolve this issue. I have even sent messages through express app and I still don't have the letter I need. Comenity has gone as far as to open a dispute claim I didn't request when I told them I would go public with everything they have put me through including when they refused to take XXXX payments ( back in XXXX and XXXX ) so I would be charged late fees. The payment refusal issue had been resolved back on in XXXX XXXX. Something I have since learned from reading reviews is common practice. Comenity.net 's refusal to issue this letter could leave our family homeless as our mortgage won't clear without this specific letter. When calling and asking for this letter comenity sends me a template letter that only says " authorized buyer has been removed '' and I have told them their template letter isn't enough. Now they are trying to drag this out 90days with a dispute claim I didn't ask for. I have received 3 letters all saying " authorized buyer '' has been removed but the letter needs to state " To whom it may concern ; XXXX XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' on express letter head. Why they aren't doing this is beyond my understanding my lender says this is standard practice and shouldn't have taken any longer than 72hrz. Can you please help use get this cleared up so we can get our mortgage loan. Sincerely XXXX XXXX XXXX
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!!!!!
11/24/2022
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
NV
89139
Web
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) .as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, 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 my 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 creditor. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
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
XXXXX
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.
05/12/2023
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt was result of identity theft
FL
33169
Web
After viewing a copy of my report, I noticed a collection account placed on my credit report from XXXX XXXX on XX/XX/2018 in the amount of {$2700.00}. First and foremost, I have confirmed that the debt collector XXXX XXXX is not licensed in the state of Florida to collect on this debt. Secondly, XXXX XXXX violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$2700.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that XXXX XXXX provides me with competent evidence that I have any legal obligation to pay them. I asking that XXXX XXXX to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statute of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand XXXX XXXX immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand XXXX XXXX agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that XXXX XXXX agrees to remove my personal information from all accounts in its companies database.
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
175XX
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.
09/28/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
NY
11706
Web
This is an issue im having with my BJ 's credit card from comenity bank. Very long story, when originally opening the account around late XXXX i received 2 different cards both under my name, since i'm XX/XX/XXXXthere i went and asked if theres anything i should do and I was told to just activate one and leave the other which is what i did, ever since that day I opened an online account to manage my card and it would come up under the other account number, called a couple of days after this to see if the issue could get fixed, was told they are updating their systems and i would be able to have my issue sorted XX/XX/XXXX or after. Called middle of XXXX to see if it could be fixed, had online account deleted and remade still with the same issue, used their easypay feature to make a payment on the card i was using ( also on the easypay page would come up as the other account number instead of the one being used ) made a payment for the XXXX of XXXX about a month ahead. Come the XXXX of XXXX when payment was due i check the account and the payment has gone to the blank account that i have not activated or used. Called them for a refund and to pay off the bill once again. Thought this went smoothly and called a couple of hours later to make sure everything was gon na go through and was told the payment was never processed and that the refund also wasn't put through. This other person did push the refund through and also take the payment which did go through in the future, unfortunately to the same blank account when i was told it would pay off the correct one. Called this morning about getting another refund and finally paying it off and this person helped with the refund and the payment and assured it would go through to the correct account but that i'm still waiting for. They also very kindly credited me the late fee that was added for my " missed payment '' .Very frustrating issue to deal with that nobody can fix apparently and its been going on for about 3 months now and i very much dont want to have any issues with my credit so i'm looking to get some help.
02/25/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
PA
170XX
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.
05/25/2023
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
TX
XXXXX
Web
I have an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card that was owned by another bank for many years. Comenity Bank purchased the XXXX card accounts and became the servicer for my card. Although I received several mailings from Comenity regarding the transfer of card servicing, I simply dismissed those letters as just advertising mail. I typically get 3-4 offers in the mail each and every day to enroll in a new credit card. I mistakenly thought the Comenity mailings were just another advertisement, I didn't even open the envelopes. After several months, Comenity finally called me and explained the change and that my payments were now overdue, which previously had been on Auto Pay for this card. My agreement with the previous card owner was set up as " Auto Pay, '' so I never had to worry about missing a payment. Comenity explained that the Auto Pay arrangement didn't transfer when Comenity Bank became the owner of my AAA card account. After I was notified of the situation, Comenity canceled the new card I was sent and re-issued another card, so it was impossible to access my account online to make a payment because of the different card number. Comenity said they also could not set up Auto Pay because my previous months payments were late. The problems just kept compounding! Once I understood the entirety of the situation, I paid the account in full. However, Comenity reported my delinquent payments to the credit reporting bureaus. I am simply asking because of the confusion surrounding the transfer of the bank serving the card account to Comenity, the lack of transfer of Auto Pay, and the re-issue of the card number, that the delinquent payments be removed from my credit report. As another example, I recently received a letter from Comenity, dated XXXX XXXX, that Comenity had sent me " the wrong terms and conditions by accident. '' This just illustrates the confusion inherent in the transfer of ownership of the card to Comenity, and that I am being unfairly penalized by Comenity submitting delinquent payment reports to the credit bureaus.
03/17/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
117XX
Web
I unexpectedly worked late on XX/XX/2021 ; as a healthcare professional during these trying times this had become the new normal. I tried to pay my bill on line at work but had trouble signing on to the website. As mentioned above, I did not expect to work late that day but it turned out to be very busy with the increase in COVID patients that I could not leave on time. As soon as I got home, I went to pay my XXXX bill ( Comenity Bank ) on line. When I tried to pay the full balance on the computer upon my return from work that day, it jumped to the next day and the computer would not take my same day payment even though it was the same day ; XXXX to be exact. I proceeded to pay the balance in full and followed up with a telephone call asking if I could get the {$29.00} late fee waived. Customer service responded that the late payment can not be waived. I then asked to speak with a Manager ; the Manager told me that they had no authority to override this late payment fee. I found this odd that a Manager could not assist me and had no authority to reverse a late payment charge that is unjustified.
In all my experience with credit card companies, I have never seen such resistance to accommodating its customers and thinking outside the box. I have never been late with any XXXX payments ; and when I mentioned this, they did not seem to care and would not extend me the courtesy that I feel I so deserved. I can now see why XXXX terminated their contract with Comenity Bank.
If you check my bill, I paid the balance in full that day ; my {$29.00} late fee has now turned into {$140.00} ; this is a summation of all late fees they kept adding on the a zero balance.
I feel this is totally unjust as I initially explained to the agent that I had all intentions of paying this bill in full but had trouble signing on to the Comenity Bank website.
If you check my credit report, you can see that this is the only one derogatory mark on my credit report and my payment history has always been excellent.
I hope you can understand my position and look forward to your response.
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
372XX
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
XXXXX
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.
01/13/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
FL
34953
Web
In XXXX of XXXX I opened a store credit card with XXXX XXXX XXXX XXXX Credit Card. On XX/XX/XXXX, I set up a payment in the amount of {$150.00} to be made to the credit card through my bank 's bill pay system - XXXX XXXX Bank.
When I received my next billing statement, it indicated that no payment had been received and they charged me a late fee. I confirmed with my bank that the payment was sent out and had my account number attached to it. I then sent messages through the Credit Card messaging portal but they just kept requesting a payment, they did however waive the late fee. I did make a payment through the portal at that time as I did not want a late payment being reflected on my account. XXXX finally sent me a letter through XXXX Bank on XX/XX/XXXX requesting that I telephone them to resolve my inquiry. I did telephone them on XX/XX/XXXX at XXXX, I spent XXXX minutes on the phone with a representative She took down all of my information and indicated she saw the notes in the computer from my prior messages and that they would get this resolved for me.
On XX/XX/XXXX, after more than a month went by I began messaging them again and I would get generic responses of which I would respond pleading with someone to please read my messages and respond appropriately. They then requested that I call them and file a claim, I stated that i already did that. So again, on XX/XX/XXXX at XXXX I telephoned them and spent XXXX minutes on the phone. The representative told me something to the effect of - Don't worry this time you filed a claim. I told her yes and I have already done this once before! She was apologetic.
On XX/XX/XXXX I received a letter assuring me they are looking into the matter. Still, I hear nothing so on XX/XX/XXXX I message them requesting an update. I am told I have already filed a claim and they are looking into it. Months later on XX/XX/XXXX i receive another letter from them requesting a lengthy list of information of which I've already provided!!
I am done trying to chase this money with them and am hoping for a resolution.
08/30/2022
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Sent card you never applied for
DC
20002
Web
I opened a XXXX Visa Credit Card on XX/XX/XXXX. The credit card is administrated through Comenity Capitol Bank and I was told I would receive my credit card within 10 days of approval. On XX/XX/XXXX, I was sent an email stating that my credit card statement was available and that I could pay. However, I needed my full account number in order to pay online. By XX/XX/XXXX, I had yet to receive my credit card in the mail and still could not access the account number. I called XXXX Customer Service and Comenity Bank to receive my account number so that I could register, activate, and pay my bill. I was then told that Comenity 's servers were down and therefore they could not access my account number and information. I attempted again in early and XXXX 2022 and was told again that there were issues with servers. On XX/XX/XXXX I contacted XXXX and received the following response from XXXX 's Customer Service : " Hello XXXX, I truly apologize for the confusion.
I want to inform you that Comenity Bank is currently experiencing phone contact issues and we working to resolve this matter. At this time, I recommend you to allow 24 hours to re-attempt your phone call. If you are still unable to access it, please allow more time to receive your physical card by mail.
Thank you so much for your interest in our company. I hope you have a lovely day! '' In XXXX, I called Comenity Bank to inquire again about the status of my credit card. At that time I was told Comenity 's servers were working again and so I finalized a payment on the card via phone. Additionally, I was told that another credit card was ordered for me and would arrive within 10 business days. I went out of the country from XX/XX/XXXX- XX/XX/XXXX. When I returned on XX/XX/XXXX, I still did not have a copy of the physical card in the mail. However, I have two bills from Comenity instead and a new balance that does not match the previous balance I had when I made a phone payment.
Thank you for looking into the negligent and predatory consumer behavior that Comenity Bank has employed against me.
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
10/25/2023
Yes
Credit card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
CA
912XX
Web
Older American
On XX/XX/XXXX, we used a AAA Comenity Bank Visa card to pay for a large medical bill, which was approved.
On XX/XX/XXXX, I logged into our account online and changed the automatic payment amount from " Statement Balance '' to " Minimum '' to allow us to move money from other accounts to pay the balance at a later date.
When initially setting up the automatic payments, there was a warning that setting it up could take 1 to 2 billing cycles, but there was no clear warning about making changes once autopay was setup.
On XX/XX/XXXX, AAA Comenity Bank withdrew the full statement balance of {$12000.00} from our bank account instead of the minimum payment I had requested, overdrawing our accounts on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX couldn't stop the transfer and Comenity Bank couldn't either. The representative from Comenity suggested having the bank refuse payment, which would return the funds to our account but incur a {$28.00} fee. I was told that a second attempt to withdraw the funds would happen that same day but our bank would not process the payment.
The Comenity Bank representative instructed me to contact them on XX/XX/XXXX to make a partial payment instead after the funds were returned.
On XX/XX/XXXX, I terminated ALL automatic payments for Comenity Bank and received confirmation via email.
On XX/XX/XXXX, Comenity Bank withdrew {$12000.00} from our bank again in spite of our telephone conversations and my online activity to prevent it. This time, there were fund necessary to cover the transfer, but those funds were earmarked for other payments.
On XX/XX/XXXX, I contacted Comenity Bank to have the transfer cancelled as I withdrew my consent and was told that because of the amount, returning the funds would take 5 days electronically.
I asked to speak with a supervisor who told me that she would NOT return the payment unless I had the bank fax Comenity Bank confirmation of the payment on their letterhead even though they showed the funds already in their accounts. They then said that the returned payment would take 21 days.
05/28/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
RI
02816
Web
Lord have mercy. I do not know where to begin with this horrible company that has been negatively affecting my credit report and costing me XXXX XXXX XXXX in interest. I had settled my debt with Victoria Secret through a debt collection company named XXXX XXXX XXXX back in XX/XX/2020. I paid this debt collector {$260.00} and the Plan ID # also known as the confirmation number is : XXXX. I called XXXX XXXX XXXX and spoke with an associate by the name of XXXX XXXX. I informed him that I have made an agreement with XXXX XXXX XXXX stating that I would pay the debt of {$260.00} in order for them to delete and remove the account completely off of my credit report. He informed me that he is UNSURE why said account is still showing on my credit reports because the company requested a deletion from the 3 credit bureaus back on XX/XX/2020 and he also informed me that their department which settles debts asked the 3 major credit bureaus to remove said trade line from my credit reports. This company is hurting my credit profile, I already paid the alleged debt that was owed why are they still trying to destroy my credit profile? I would like this company removed and deleted from my 3 credit reports IMMEDIATELY as they are NEGATIVELY affecting my credit score. I would also like to add that these companies have violated my rights under the FCRA, 15 U.S. Code 1681s2 states 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.This is a clear violation AS THE LAW SAYS. I have attached a copy of this inaccuracy from the 3 credit bureaus and am seeking Montery relief from all companies involved with this violation. I have sent the 3 credit bureaus A LOT of letters stating this inaccuracy and all they have done was further violate my rights by updating this alleged debt and not fully investigating as they should have.
01/08/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
CA
90275
Web
I established two interest free XXXX XXXX XXXX Comenity Bank plans to pay for dental fees over time. I made regular payments.
However, I did not receive paper statements and was not signed up for paperless statements.
When I called to make a payment XX/XX/XXXX, I was advised that the interest free promotions had expired, and I was being charged interest. I had not received paper statements to advise of upcoming expiration dates. If I had, the balances would have been paid prior to the promotion expiration date. The principal balance due on both were paid in full on XX/XX/XXXX.
On XX/XX/XXXX, the first interest free promotion ( original amount financed was {$740.00} ) expired and currently reflects interest due of {$11.00}.
On XX/XX/XXXX, the second interest free promotion ( original amount financed was {$1100.00} ) and currently reflects interest due of {$440.00}.
On XX/XX/XXXX when the principal balances were paid in full, we requested paper copy of statements, the first was provided on XX/XX/XXXX. I asked for relief from the very high interest charges through the Customer Service Department. They denied this request, I also contacted the Debt Settlement Department of XXXX XXXX XXXX Comenity Bank to request relief from the high interest charges. They did not return my call.
On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX Bank Customer Service Department to follow up on my request for relief from the high interest charges. I was told they could not adjust the interest charges. I filed a consumer complaint with the XXXX Department XXXX XXXX XXXX XXXX XXXX Bank. They advised the interest and late fees will continued to be charged to my account based on the outstanding interest balance.
I offered to pay {$100.00} interest as a fair settlement to these charges, this offer was rejected by the XXXX XXXX XXXX XXXX Bank Customer Service Department supervisor.
I ask for your help for relief from these extremely high interest fees charged, based on the lack of correspondence on the status of my account and the promotion expiration dates.
04/09/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
IN
473XX
Web
I called Comenity Bank on XX/XX/XXXX and requested a full payoff amount. I told them that I wanted to pay off the balance in full. I was given the amount of {$500.00}, which I paid, on that date, in full. Two days later, I was charged a fianc charge of {$12.00}. I had zero knowledge of this, had no idea I would be charged this charge, as in the past, if its paid in full on the due date, no interest is charged. The customer service person that gave me the payoff amount never mentioned this. My paperless statement went into my spam folder and I didnt even look for it because it was paid and I never had this card, expect this time in XXXX of XXXX.
I was then charged a late fee on XX/XX/XXXX, of {$12.00}, because of the {$12.00} finance charge. I was then charged a minimum interest fee of {$2.00} on XX/XX/XXXX. I was then charged a late fee of {$26.00} on XX/XX/XXXX and a {$2.00} minimum interest fee on XX/XX/XXXX.
I happened to look in my spam folder for a tax document on Friday, XX/XX/XXXX and came across an email that stated I was delinquent! I was shocked! And immediately emailed two messages to the dispute department. I suddenly was bombarded with phone calls from Comenity and no one would pick up. Finally today, XX/XX/XXXX, I got someone to answer and they sent me to someone that I was able to actually speak with. She tried to waive the one late fee and said I had to pay the remainder!!! I explained that I would pay {$12.00} from XX/XX/XXXX and that is it. She wouldnt do that and closed my card out.
Now I dont know where I stand! Am I going to be reported to the credit bureau for account delinquency? This is a ridiculous amount of money that they are trying to make me pay, all for just having paid my card off in full! Per their customer service people! It appears they are trying to make as much money as they can by doing this and I think it is plain and simple theft! This is why I am reporting them! They need to stop this corrupt behavior. I want my account at a zero balance and I will never do business with this company, ever again.
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.
12/22/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
WA
99223
Web
Comenity - Explorer Rewards Card.
Our mail has been slow ( mis-delivered ) for several months now. I've been receiving my statement about 7-10 days before the due date. I set up payment through my bank 's bill-payer, who has been increasing the lead-time on mailing payment to the creditor. I've tracked payments that have taken 10-14 days to reach the payee. Even one that arrived there 1 week before the due date. In all cases, the payments were posted late and late fees with interest charged. I've paid off the balance and paid the late fees for three months, while submitting the tracking documents to their service dept to request the removal of those fees.
just received another statement showing an accumulated balance of late fees with interest along with new fees. The principal was paid off months ago. I pay all my bills on time, so why single out this card to pay late? Comenity XXXX said that I " could mail the payment months early, and shouldn't expect a waiver '' if they post it late, even if I prove it arrived 7 days before the due date ''. She suggested that I call in to pay over the phone every month. The irony is that I don't need to use the card. I had it for convenience and it is much easier to just pay with cash. Now I'm not inclined to even shop at the store anymore. But maybe that is the card company 's intention ; to run off customers for the company they serve.
The last two months, I have remitted the full statement balance of the late fees, hoping that it would zero the account and stop it. I'm again going to pay off the full balance. The late fees are {$35.00} per month and the interest of a couple dollars is carrying over a balance. So, the late fee is 30 times more than the balance. Then the interest accumulates on the late fee, too. So three months later, they billed me over {$100.00} in late fees and interest for a payment that arrived before the due date ( see attached tracking history ). I believe this is a predatory scheme of loan-sharking. It is unethical and disgusting behavior for a credit card company.
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
XXXXX
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.
05/01/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
NY
11236
Web
I have a credit card with comenity and I paid the balance off in full in XX/XX/2023 then I started receiving collections calls the calls were even going to my husband that had no relationship with this credit card in no way ... they proceed to harass him and gave him all the information about my credit card and that I owe a balance. I picked up his phone to answer this call one day and ask for them to put his number on the DO NOT CAll list because there's no way they should be sharing my info..I eventually spoke with a representative on the week of XX/XX/2023 who assured me that the balance was interest and late fee after the payoff.she assured me that her manager will bring the account to XXXX and close the account but instead she only refunded one late fee and sent my info to the credit buearer which impacted my credit negatively and as a XXXX XXXX this is not good for me professionally. I constantly tried calling the number on the back of the credit card which always cuts off and no representative is available.XXXX ( XXXX ) XXXX ... after built up frustration I called the number that called my husband 's phone and spoke with a gentleman on XX/XX/2023 which was so rude ..I asked for him to pull the phone conversation for the week of XX/XX/XXXX so that they could see that the representative assured me that the balance was brought to XXXX and that I would receive a confirmation in the mail ... he said he can't check the phone conversation but he'll ask his manager to check and in the meantime I have to pay the balance ... mine you I already paid over {$2000.00} to payoff the credit card ... I asked to speak with the manager then he hung up the phone ... while I'm here suffering because this was reported on my credit and dropped it drastically..please help because I have no money left to pay on this credit card and to my dismay the customer service number on the back of the card doesn't even work... I feel like I'm being scammed and swindle the credit card is called Comenity and the number on the back of the card is XXXX XXXX XXXX
10/17/2022
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
NJ
08831
Web
Older American
I have been with BJ 's Comenity Bank Card since XXXX. I am listed a having positive activity never late always paid in full no matter how high the balance. On XX/XX/XXXX I placed a special order with XXXX XXXX using the Bj 's Comenity Card in order to place the order with an approximate delivery date in XX/XX/XXXX. In the interim there had been fraud on this card. I reported it to Comenity Bank and they issued a new card with a new number. I had an issue with Comenity and wound up closing this account as well. The last transaction on the new card was XX/XX/XXXX. Both accounts were paid in full and both accounts were closed. I now called XXXX XXXX to give them a different credit card company to use for when my order was to be processed. I then receive a statement from Comenity on the new account which was closed with a posting date of XX/XX/XXXX for a purchase mount {$2300.00}. I still had not received the order and this was put through on a closed account. I contacted XXXX XXXX and was told there was a mix up and they used the Comenity Card instead of the new card I had provided. I canceled the order with XXXX XXXX and they issued 2 credits XX/XX/XXXX {$2100.00} and XX/XX/XXXX {$260.00} = {$2300.00} Credits applied to original Comenity account the only card XXXX XXXX had on file. I then called Comenity and was told they would put in a dispute. I asked how could they let a charge go through on a closed account and was told they had the right since the card was used as a hold back in XXXX. I informed them about the credits as they said they would look into it. The credits were uploaded to Comenitys secure website. Everytime I called I spoke wit someone different and my confirmation was always the dates I called ; with no results. I asked how is it that you can find the latest account which I never gave to XXXX XXXX to bill me and now you can't find the original account to credit me since I was told both accounts were linked. I am receiving statements with late fees and interest and harassing phone calls to my cell and home number.
04/22/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Problem with fraud alerts or security freezes
LA
70448
Web
On XX/XX/22 i was applying for a mortgage- since I had to unlock all three credit bureaus for this mortgage application, I decided to submit an application to Comenity bank at the same time.
I received a letter a few weeks later indicating it was written on XX/XX/22 that Comenity Bank did NOT approve my credit application at this time because they were advised by " the credit reporting agency '' ( non specific ) that a security / credit freeze was placed on my report. That " unfortunately, due to the freeze on your credit bureau report we were unable to verify your credit history with other credit grantors '' A few weeks later as I was closing on my loan my bank enquired about a HARD ENQUIRY on my XXXX credit file from Comenity Bank. It is my understanding under FCRA that a locked credit file would not be capable of having a hard enquiry against it unless it were unlocked.
I have a denial letter from Comenity bank telling me they denied me credit because of a locked credit file, but I also have a hard enquiry from Comenity Bank showing that they acceessed my credit- IT CAN NOT BE BOTH WAYS.
The hard enquiry should be rescinded and removed from my credit file since Comenity says they could not access it - OR - the credit card should have been issued - OR denied for a legitimate reason besides credit lock if they were able to access my XXXX Credit Report as XXXX currently indicates.
Comentiy cites XXXX / XXXX Risk Solutions Consumer Center as the agency that provided this report - This complaint would be inclusive of the credit reporting agency that Comentiy Bank Uses and cites in their letter whom I have never heard of. XXXX XXXX indicated at the time I had no credit lock on file with them, Comenity indicates they pulled my credit on XXXX at the time of application ( in which all three known bureaus were unlocked and XXXX / XXXX had no security freeze on file ).
These bureaus are engaging in reporting false information, possibly due to some time lag in how they actually pull credit and report it which they are unaware of.
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.
06/04/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
CA
94102
Web
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with your credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by such debt collector or creditor ; I have had an identity theft clause on my IRS record since 2011. I am not able to file taxes electronically, I do not understand how certain companies were able to apply for a loan for me when i signed no papers asking for this XXXX loan that is now currently bumped up to XXXX from a business starting with XXXX XXXX XXXX.
Also Incorrect Information is on my report incorrectly showing accounts are stoill open. Accounts such as : XXXX, XXXXXXXX XXXX, XXXX XXXX where I was authorized user on someone's account that is no longer open is closed due to consumer 's request.
Also these are the companies refusing to remove these things from my credit report COMENITYXXXXXXXX Dispute Dispute ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute Dispute ( XXXX ) XX/XX/XXXX XXXX Intervention Intervention ( XXXX ) XX/XX/XXXX have been trying diligently for years to recify this issue and I beleieve improper use of my credit report have been shared without my consent right along with credit inquires from unknown sources such as the approval of the XXXX account recently opened. My information has been misuused and distributed based on the fact of my identity theft i have had in place since 2011 with the IRS
01/12/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
WA
99224
Web
Older American
On XX/XX/XXXX I requested to cash out my rewards as a direct deposit to my bank checking account. They confirmed my request with the following email : XXXX, XXXX XXXX Account XXXX in XXXX Congrats! You redeemed your rewards Dear XXXX, You successfully requested a direct deposit on XX/XX/XXXX. Well apply this deposit to your bank account ending in... XXXX. The timing of the deposit will depend on your bank.
Redemption Date : XX/XX/XXXX Redemption Amount : {$1000.00} Thanks for being a cardholder!
Visit Account Center About this Activity We sent this message to confirm your direct deposit redemption.
Questions or Concerns Visit Account Center for easy access to frequently asked questions. Our XXXX XXXX team is here to help, too. Just call us at XXXX ( XXXX ).
Copyright XXXX Bread XXXX. This site gives access to services offered by Comenity Capital Bank, which is part of Bread XXXX.
XXXX XXXX XXXX XXXX XXXX Credit Card Accounts are issued by Comenity Capital Bank. XXXX is issued pursuant to a license from XXXX XXXX XXXX Visa is a registered trademark XXXX XXXX XXXX XXXX XXXX and used under license.
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 | XXXX I called their customer service in XXXX as I had not received my deposit and was informed that though it had been more than 30 days the deposit takes up to 45 days. The customer service representative did contact her supervisor and turned my issue over to the supervisor.
On XX/XX/XXXX I again contacted customer serrvice as I was now over 60 days out from the notice of the direct deposit. I spoke to XXXX who gave me a number as reference of XXXX. I asked if I could speak to a supervisor and he said no as they already were taking care of my issue from my first call to customer service.
I would like the direct deposit to occur immediately as I am now over XXXX months out. I did tell XXXX that I would not use the credit card at all until the deposit is made.
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.
09/15/2023
Yes
Credit card
Store credit card
Other features, terms, or problems
Problem with rewards from credit card
NY
105XX
Web
I have a XXXX store card held by Comenity Bank.
I made a purchase online on XX/XX/2023 and used {$45.00} of credit card rewards to pay for my purchase. I then returned the item in store on XX/XX/XXXX ( receipt attached ) and the cashier processed the return and rang up the items I was buying in store. You can see on the receipt that the item cost {$60.00} and I was getting refunded {$15.00} with a line under that I used {$45.00} credit card rewards. The {$45.00} rewards was not processed on that receipt and nor was it returned to my credit card.
I reached out to the company on XX/XX/XXXX stating that my {$45.00} in rewards was not credited back and was told it would be forwarded to the correct department. I did not hear back after XXXX weeks and reached out again on XX/XX/XXXX. They responded with something that had nothing to do with my question and then after another message exchange, I was told that a dispute was being opened for the missing {$45.00} ( message attached ). I never gave the okay or permission to open a dispute- which created a note on my credit reports. I believe this is illegal for them to act on my behalf for my credit.
After many back and forth messages ( with some of my messages being completely ignored ), I was told on XX/XX/XXXX that {$45.00} in credit card rewards was added to my account on XX/XX/XXXX. I then went to my rewards section and did not see anything that supports this. Instead, I saw {$0.00} added on that date ( proof attached ). XXXX cents and XXXX dollars are XXXX very different things. I went back and forth again and they insisted the {$45.00} was credited back to me. They told me that they can open another dispute.
In the middle of this, I have had XXXX {$10.00} rewards expire. Mainly because I have spent XXXX months trying to get my money back that they owe me! I went to use XXXX of the rewards on the day it was supposed to expire and it was not in my account to be used. I am not sure how something can expire on a day and not be available for use. This is false advertisement!
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
344XX
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
704XX
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?
08/04/2023
Yes
Money transfer, virtual currency, or money service
Domestic (US) money transfer
Other transaction problem
FL
33446
Web
Older American
On XX/XX/2023 I invested {$100000.00} in good faith in a 1 yr CD with Bread Financial. This represents all of my savings. I am retired and on a fixed income. On XX/XX/XXXX, I requested via telephone that my interest be transferred to an outside checking account. The external account was set up and confirmed. The nightmare of incompetence and numerous phone calls began. I was told the ACH would take 3-5 business days. On day 3, I followed up with Bread to confirm it was in progress. I was told my account was restricted due to " suspicious activity '', logons from outside Florida where I live. I explained that I use a VPN, which shields my location and is a security measure. She then told me I needed to send 2 bank statements, copy of my license and social security card. I submitted those within 24 hours. I received confirmation of the receipt the following day. It would take another 1-2 days before they approved the transfer. After numerous conversations with different representatives over the following week, I was unable to get an answer as to why there was a delay. Each one gave me a different response. I finally reached a representative in their security dept who told me the restriction was never lifted and was their error. He would lift it as we spoke. He then transferred me to another representative who was clueless and unintelligible. I checked the portal which indicated that the transfer would go through. I called back, got yet another representative who then told me my CD was cancelled, I was charged {$2300.00} in penalties and the I would receive the balance back to my original account. When I told her I didn't request it be cancelled, she told me it's at their discretion due to security reasons. Please help me to get my money back from this institution. This is questionable business practice and arbitrary. I supplied all the information they asked for and in turn was abruptly cancelled. I am horrified that a financial institution can conduct business in this manner and not be answerable. Thank you for your help.
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.
08/25/2022
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
60624
Web
Servicemember
I received XXXX response once again not addressing any of my concerns and never giving me any proof of the information I am requesting and entitled to by law!
THIS IS NOT A DISPUT I'M AWARE XXXX IS NO LONGER THE CREDITOR My account charged off due to nonpayment on XX/XX/XXXX.XXXX sold my account to XXXX XXXX XXXX on XX/XX/XXXX. XXXX also responded to the disputes I filed with a letters dated XX/XX/XXXX, and XX/XX/XXXX.
In every single letter I wrote I never disputed the fact XXXX was reporting innaccurate account status or sold/transfer status or ownership. The account charged off and sold was never been a dispute or the validity of such information.
I have asked XXXX 10+ times what INFORMATION did XXXX use or steps taking by XXXX to bring my account current from XX/XX/XXXX when I consumer closed the account without payment on that day never making any payment or arrangments on account since XX/XX/XXXX ( {$43.00} ) how then is XXXX reporting payments being made on a account when there was no payments actually being made the balance never decreased after XXXX reported these on time payments. Even after the account was charged off and sold XXXX report 15 additional payments made on account after sold at one time XXXX cerified the information they was reporting was accurate but XXXX was reporting my charged off account as a REPO I had to dispute that among other things XXXX was reporting inaccurate that in fact was not!
So my question to XXXX I how did my account become current from XX/XX/XXXX when I consumer CLOSED WITHOUT PAYMENT, ALL THE WAY TILL XX/XX/XXXX WHEN ACCOUNT WAS FINALLY CHARGED OFF FOR NO PAYMENT? HOW!!! what method was used and documentation used for XXXX to make these changes to my account?
I'M AWARE For any additional questions about ownership of my account, please contact XXXX XXXX XXXX at XXXX.
AGAIN I AM NOT DISPUTING ACCOUNT STATUS ( CHARGED OFF ) OR THE ACCOUNT BEING SOLD ( XXXX ) THAT IS FACTS I'M REQUESTING INFORMATION THAT XXXX USED INTERNALLY TO MAKE THESE CHANGES TO MY ACCOUNT
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.
11/27/2023
Yes
Credit card
Store credit card
Other features, terms, or problems
Other problem
FL
33647
Web
I purchased something from XXXX XXXX XXXX XXXX XXXX and they offered credit card with promo 12 months deferred interest, I took that offer, now in XX/XX/2023 before those XXXX promotion balances expire I contacted customer care of the bank and made a minimum payment plus entire amount to cover this XXXX promotional balances, I requested to allocate everything I paid on top of minimum payment towards those XXXX promotional balances to pay them off in time to avoid interest rate. They said that they stopped manually allocating payments few months ago its their bank policy, so system will allocate this payment accordingly not to be worry. following month I've received a statement showing my payment and they allocated entire payment towards revolving balance but XXXX towards those expiring promo balances with deferred interest rate, I contacted them again, asking why my payment was allocated or distributed completely wrong and referred to CFPB rule {$1000.00} ( a ) XXXX stated that they should allocated any payments over minimum payment in the last XXXX billing cycles towards those promotional balances, or allocate it manually, they said im right and its a system error that they don't understand how it happened, so the management admitted there is a issue and filed a dispute to their financial department to correct the issue. Fast forward, now Im 2 days before promo balances will expire on XX/XX/2023 and nothing has been done, I called again and they said it can take up to XXXX billing cycles from now to have a result of this dispute, they confirmed that they will XXXX deferred interest over {$700.00} to my account, and if results of dispute shows they are wrong they will credit those money back to me. It looks like bank implemented a system to make it difficult or next to impossible to pay off promotional balances in time so that can collect deferred interest rate. I uploading XXXX statements for XX/XX/2023 and XX/XX/2023, showing my payment and on the last page it shows how the payment been allocated, I highlighted it
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.
12/29/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
MA
01013
Web
I filed a previous complaint in XX/XX/XXXX ( Complaint # XXXX ) for a payment in the amt of {$6100.00} that I made on XX/XX/XXXX during the time of their " upgrade '' that they alleged was missing. I began with filing a dispute with them in XXXX and sent them the Electronic Transmittal form in their secure message system XX/XX/XXXX & the same documentation again on XX/XX/XXXX per their request. They closed the dispute on XX/XX/XXXX stating they didn't receive the documentation & then reopened the dispute on XX/XX/XXXX. We resent the same documentation again & they wanted an additional 90 days. They sent a XXXX dated XX/XX/XXXX still stating they didn't have the documentation. The 60 days response to the previous complaint was due XX/XX/XXXX. I receive a letter dated XX/XX/XXXX that they located the missing payment of XX/XX/XXXX in the amt of {$6100.00}. They also stated they previously credited the late fee & finance charges that were assessed in XX/XX/XXXX. However, they failed to credit the finance charges on the other 5 months up until XX/XX/XXXX. A total of {$780.00} in late & interest fees accrued however the only credit I received was {$260.00}. Total still due is {$520.00}. I spoke w/ XXXX XXXX ID XXXX ) XX/XX/XXXX who agreed the credit wasn't issue at the time the dispute resolved & provided me w/ confirmation # XXXX & stated my credit would be issues in 48-72 hrs. I called on XX/XX/XXXX to find out that on XX/XX/XXXX the credit was deleted. The total amt due on my XXXX statement is {$840.00} which is {$320.00} in new charges & XXXX in interest. I will be paying by due date of XX/XX/XXXX to avoid any further interest charges. During the 6 billing cycles following this dispute, I paid my entire balance on new charges as I have since I have been a customer, I never carry over a balance. The only charges I didn't pay was the disputed missing payment of {$6100.00} and the interest charges from XXXX XXXX XXXX and the late fee of {$30.00} in XXXX. Attached our the interest charges, credits & monthly payments.
06/08/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
91709
Web
My complaint is against Comenity Bank XXXX XXXX XXXX XXXX account and Comenity Bank XXXX account.
I have an open account for each of the above-mentioned accounts, with an 18 months ' pay period with no interest.
I have been making payments on time from the beginning, payments I make are more than the minimum required monthly amount due.
I received a statement indicating a late fee of {$41.00} assessed against my account from the Comenity-XXXX account ending in # XXXX this past week. I called them and during my call, realized that they had previously charged me a late fee on a couple of more occasions. I reviewed the payment history on my bank account and my bank bill pay service sent payments to them on time every month, and this I can prove.
This morning I had the same issue with my Comenity XXXX and XXXX account ending # XXXX. I logged in to review my final payment due and discovered that they have charged me late fees and interest on at least 4 occasions recently that they would acknowledge with me on the phone. I asked to have all fees reversed and they advised me that they can only reverse two of the multiple late fees that they had assessed on my account. This is not acceptable.
I believe that this company is doing this unfairly and on purpose in order to make extra money on accounts that are making payments ahead of the no interest expiration date. I know that they are receiving my payments from my bank on time and sitting on them until past the due date and not posting the payments to the account on time in order to be able to access a late fee and interest, I use the same bill pay service from my bank for multiple payees and have never had an issue with any other payee not receiving the payments on time.
I feel that this is a very deceiving and unfair practice that Comenity is engaging in and they need to stopped from continuing this practice. They could potentially be raking in millions of dollars in late fees from consumers unjustly.
Please let me know if you need more details on this subject.
06/17/2020
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
OH
451XX
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?
08/11/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
IL
604XX
Web
In XXXX of XXXX of purchased a ring from XXXX XXXX. I was going to pay cash they insisted i use credit and received 18 months no interest. Reluctantly i agreed. What a mistake this was! I began automatic payments of XXXX a month This would ensure my ring was paid off prior to the 18months. I purchased a second ring in XXXX of XXXX.
In XXXX of XXXX my balance was XXXX, my automatic payment of XXXX came out as scheduled. I didn't realize there would have been a XXXX balance, if I did I certainly would have paid it. My next bill i received was for XXXX! XXXX added the interest of XXXX percent from day one the entire amount of both purchases over a balance of less than XXXX!
this is how they reward a good paying loyal customer who chose XXXX XXXX over many other shops!
i have called them to explain the oversight figuring of course they would take care of this. All that yielded me was a big headache and a waste of 2 hours on the phone with three different people saying they can't help me. this is an unfair business practice. if they were to charge me, they should be charging me on my second purchase not the first that would have been paid in the time frame. But look at the whole picture we are talking a matter of a few weeks and I'm told they won't do anything about it. i completely understand the technicality they are getting me on, it's very clear to me after seeing my new statement and have three people explain it over and over rather than to try and keep a good customer happy and say yes, we will work with you here. I also explained to them that i am unfortunately receiving XXXX and i am having a XXXX XXXX for XXXX in the next month. No one would help all i got is this is our policy.
XX/XX/XXXX balance XXXX XX/XX/2022 payment XXXX total balance left would have been XXXX XX/XX/2022 statement interest added to balance XXXX New balance of XXXX!
I will never shop at this company again and i would strongly advise against it. Not to mention two of the stones fell out of the ring 5 months after owning it.
04/02/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
MO
63141
Web
We have an account with the Comenity Card Company.
There is only one transaction every month that is a recurring {$9.00} for XXXX XXXX.
The statement date is the XXXX of every month and is due on the XXXX. The payment of {$9.00} goes out on the XXXX of every month and is cleared electronically by the XXXX or XXXX. Prior to the due date There was an issue in XXXX where they were having issues processing the amount paid every month that was charging late fees and interest. It was cleared up until XXXX. Spoke with a XXXX about the late fees and interest charged. He agreed with what was said and reversed all the late fees and interest charges to bring the balance to {$0.00}. I asked if there was anything owed for the next billing cycle in XXXX and the answer was " No ''. So, I only owe the {$9.00}? XXXX confirmed the answer was yes.
Come time for XXXX, the bill came in around {$10.00} or so ( can not remember the correct amount ). Could not call and deal as my wife was having medical issues.
So, got the new statement for XXXX and shows Late fees of {$40.00} plus interest and says we ow {$46.00}. I spoke with XXXX from Comenity on XX/XX/XXXX around XXXX XXXX XXXX and understood the issue, but needed a supervisor to assist with the confirmation of the fees. I got on with XXXX and explained the situation and he said that the fees are accurate and nothing can be done. They lied to me on the call. I should not have to pay the price for the mismanagement. Since the daily interest was running, we would owe that amount. I said, you have been receiving the {$9.00} payment every month on time, they made the mistake last month but kept the interest running. Then to charge late fees on top of that.
He could not even tell me how much it would be if I paid out of account. based on when it would be received.
To me, this is thievery from a company. I have worked with many companies and never have this issue with ANY of them. They are taking {$40.00} more money from me than I should have to pay.
What can be done?
10/08/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NC
28277
Web
I entered into a hardship payment plan with Comenitybank/wayfair in XX/XX/XXXX, agreeing to pay {$98.00} per month, I was told this would satisfy the account which at that time was past due less than 3 months related to covid and a job loss. The payments were auto debited from my checking account and I have never missed a payment. However, Comenity is now saying I owed more than {$98.00} per month and that is why it was " late ''. I was never informed when the hardship agreement was made of additional money due, in fact I was told, the agreement brings the account current, to begin the hardship plan, for the {$98.00} per month. It makes zero sense to enter into a {$98.00} per month payment plan, if it essentially leaves your account still behind. It was hard enough losing my job and having to call for a payment plan, the woman told me the {$98.00} was all I needed to pay per month for the plan. I was never told there would be any " additional '' amounts due, so once the auto debit was set up I assumed the account had been satisfied. However, my credit report now reflects I paid late every month I paid the auto debited {$98.00} agreed upon payment plan. This is because there apparently was additional money Comenity wanted outside of the hardship plan, or the plan was not processed correctly, I am not sure what the issue is on their end, but I know I was NEVER told anything else was due, when the agree was initiated and in the agreement document. In the beginning in XXXX of XXXX Comenity " charged off '' the account, all while I continued to pay {$98.00} per month as agreed upon. I have also never received any communications from them about the " charge off '' or who now holds the debt, although my checking account is still debited every month for {$98.00}.
I filed a dispute through XXXX explaining all of this with documentation and nothing changed, Comenity has put " XXXX XXXX '' on my credit report for the last 8 months in a row, even though I have paid every month as agreed upon beginning in XX/XX/XXXX.
07/05/2022
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account status incorrect
OH
XXXXX
Web
Older American
I was shocked to go into my XXXX credit card account and see that I have " XXXX '' open to buy. They took my account from {$900.00} credit line to {$0.00} without notice or explanation. I have a credit score of XXXX and have NEVER had a late payment. I reached out to customer service via email and they simply stated that they needed my permission to review my credit report to reinstate the credit line. Well, they certainly never contacted me to see if they could review my credit report to lower the credit line.
By law they can review accounts periodically to assess the account and adjust the credit line accordingly ; however, they could not have followed the regulation in the matter of account assessment to have acted as they did.
By lowering the account credit line to " XXXX '' they had a negative impact on my overall XXXX XXXX. I do not need the account, and {$900.00} is paltry in comparison to my major credit card lines of credit. It is the fact that they arbitrarily decided to impact my credit scorXXXX, without consideration of the regulations that are in place to assess accounts. They do not need my permission to review my credit score to evaluate an open account on their books. They have a " permissible purpose '' to do an account periodic review.
I had them close the account so that it would report as " Closed by consumer '' in order to save my credit history and score from being further damaged by this abhorrant action. If I did not have as high a credit score, had it been perhaps a XXXX instead of over XXXX, this could have impacted much worse and any loans sought would have resulted in higher interest, or even rejection of a loan. This type of behavior has to be addressed within the regulations on the books.
Again, had they did a legal review of accounts, it would not have resulted in a reduction in my credit line, damaging my score and causing me to close the account. Ridiculous that they do not follow the regulations and guidelines for 'permissible purpose ' and periodic account review.
01/16/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
MA
XXXXX
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
XXXXX
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
XXXXX
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!
09/06/2023
Yes
Credit card
General-purpose credit card or charge card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
WI
535XX
Web
On XX/XX/2023 I received a corespodence from bread rewards credit card. Enclosed was a new credit card with a new account number and a new member Inception date.
This card is apparently replacing the Comenity.net credit card on XX/XX/2023.
I attempted to contact Bread rewards credit card customer service and was notified that the number would not be available to customers until XX/XX/XXXX.
I then contacted the comenity.net credit card customer service.
My concern and complaint is that due to no fault of my own this closure of the comenity.net credit card is going to have a negative impact upon my credit history as the comenity.net credit card is my longest standing credit card with several years of positive history. Additionally if I activate the new bread rewards card on XX/XX/XXXX it will reflect on my credit the new account and I will lose all of the positive history that I previously worked very hard for.
I contacted comenity.net credit card customer service line three different times on XX/XX/2023 and received different conflicting information each time I spoke to a different customer service representative with these concerns. I then contacted cfpb and was advised that there are two options for the credit card company and them options being to close an account or to continue reporting an account, according to the law there is no gray area to continue to report the history as the credit card changes to a different account all together.
On one call with comenity.net supervisor XXXX she advised me that there will be no impact to my credit score or history and that this transition from One credit card to the next is seamless with no impact to the consumers.
This being decieving as there is not an option to report new account information on an old account history.
There is zero mention of the potential impact to consumer credit as a result of this change, in the information bread rewards credit card sent in the mail.
There is zero information on the comenity bank website about this matter either.
04/06/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
GA
XXXXX
Web
Older American
My issue is with Comenity Bank - Points Power XXXX : I STOPPED receiving invoices by both e-mail and in the US Mail for several months back in the summer & fall of XXXX. ( We had moved but I registered my new address with them. ) I finally received an invoice for a {$70.00} purchase I'd made ( my last purchase on the XXXX card ), but the invoice came late & so my payment was received 1 day late on XXXX XXXX, XXXX ( it was due by XX/XX/XXXX ). I got the next invoice that showed a {$28.00} late fee & {$2.00} interest charge. I wrote a note on that invoice explaining that the prior invoice had come to me late, so I shouldn't be charged the interest & late fee. But another invoice showed yet another late fee & interest. On XX/XX/XXXX, I called & spoke to a woman at Comenity ( I didnt get her name ) who said the best thing to do was to cancel my card & that would be the end of it & I wouldn't receive more invoices. She said she cancelled my card. ( In a phone conversation yesterday, XX/XX/XXXX, Comenity said that my card was indeed closed on XXXX XXXX, XXXX. ) But I DID get more invoices with additional late & interest fees. So, On XXXX XXXX, XXXX, I wrote a short letter explaining my issue. I send it with Return Receipt Requested, & within about 2 weeks received the Return Receipt green postcard back, time-stamped XXXX XXXX, XXXX, & signed by XXXX XXXX XXXX
Since then I have continued to receive additional monthly invoices with late & interest fees accruing, now up to {$260.00}. Yesterday, XX/XX/XXXX, I called Comenity and over 105 minutes was bounced through 5 people ( first is unknown name, then XXXX, XXXX, XXXX & XXXX ; XXXX was in the Customer Care Dep't. ; I dont know the others ' dep'ts. ). The first 2 really didn't even understand the issue. Each of the next two routed my call to yet another person, & the fifth person was XXXX who said I should write a REGISTERED letter to Comenity. But I have little confidence that that will work, as they have basically ignored all my attempts to resolve this issue.
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
XXXXX
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}.
11/16/2023
Yes
Credit card
Store credit card
Fees or interest
Problem with fees
MD
20774
Web
My credit limit was recently decreased from {$2300.00} to {$100.00}, on my XXXX XXXX acct and from {$2400.00} to {$200.00} on my New York & Co Comenity acct due to an interest non payment oversight on my New York & Co Comenity acct. of {$8.00}. I paid off my XXXX acct back on XXXX, the full statement balance of {$400.00}. On XXXX I was assessed interest of XXXX unbeknownst to me and due on XXXX. On XXXX I was assessed a late fee of {$8.00} plus minimum interest of {$1.00}, which brought my balance to {$17.00}. Again, I was unaware my acct had a balance since I paid off the account in XXXX and never used the card since. Once I received the XXXX notice I called in on XXXX to pay balance. The representative, removed the fees & took the payment of {$10.00}. Both my accounts have been in good standing for many years, payments on time as well as the rest of my debts. To say my entire credit reporting was viewed in this decision is completely untrue and false. I have had XXXX creditors double my credit limit and XXXX increased significantly just within last month due to my excellent payment history. I have also paid off XXXX balances in full. My XXXX XXXX has increased on avg XXXX in the last month across the XXXX bureaus.
The decision to decrease my credit limit on the XXXX referenced accounts was solely based on the late interest payment of {$8.00} on the XXXX acct because the XXXX acct has a $ XXXX credit from overpayment. This seems like a retaliation to the complaint I filed against Comenity back in XXXX, for non refund of returned merchandise.
This is an absurd business practice & completely unethical. Apparently, this has happened to many consumers of Comenity Bank as I have read many of the same complaints online. The FDIC has also issued fines for similar practices to Comenity. The only negative impact on my credit in years is now {$8.00} of unknown interest, multiple fees from Comenity bank on interest and the dual decrease in my credit limits will also adversely impact my credit score unfairly.
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
XXXXX
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
038XX
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.
01/16/2023
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
TX
76063
Web
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Today I received the attached letter from Comenity Bank, and what they continue to do to slander my credit should be illegal.
I have had no dealings with ComenityXXXX since XXXX of XXXX.
And from that time to present, on a monthly basis, Comenity has continued to request copies of my credit files, as well as continue to report information that is inaccurate so as to destroy my credit rating.
XXXX, and XXXX, I had complained about this issue, because they continued to put false balances owed onto my credit files, as well as, to report false status dates so as to make it seem as though I had, had recent credit activity with them.
I do not owe this fraudulent balance {$1600.00} that Comenity has passed on to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Comenity Bank ran up that fraudulent balance with their usury fraudulent charges, and fees.
They claim to have charged off an account on XX/XX/XXXX, this is not true.
On my credit files, for at least a year beyond XX/XX/XXXX, Comenity was placing over {$100.00} in charges, and made-up fees onto a balance that they were running up.
Since XXXX to present, my credit files were being dinged twice for duplicate false information.
This treacherous Credit card company would pass on their lies to collection agencies who would report onto my credit files, and Comenity would report the same false information as well.
And now they have passed on information to the above-named entities, who are willing to continue the deceptive practices of Comenity XXXX XXXX XXXX
I have previously complained about Comenity XXXX XXXX who has now rebranded under the name of XXXX XXXX.
In checking the XXXX, I have found that they have an ALERT, for Comenity, and they have XXXX complaints since the last 3 years, and what each and every one of the consumers have complained about, I have experienced it all.
01/11/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
NY
131XX
Web
Older American
I have filed a dispute with Comenity Bank on XX/XX/XXXX. Dispute # XXXX. BJ 's Credit card.
On Sunday, XX/XX/XXXX, I tried to use my card. It was declined at store.
Came home to call customer service on XX/XX/XXXX. They indicated that my bill was no paid. I believed that my payment was lost in mail and agreed to pay bill immediately over the phone with current balance. I always pay my bills in full. Next day I went to my bank at XXXX XXXX XXXX to put a stop payment on check. At that time they indicated to me that the check was cashed by Comenity Bank on XX/XX/XXXX before due date.
On XX/XX/XXXX, I called and filed dispute. On XX/XX/XXXX, I was told by Comenity Bank the only way to reach them was by mail. So I mailed them a letter with dispute # and account information explaining the situation. Also included copies of my bank statement and copy of the bank transaction detail that indicated check #, trace number, account #. Transaction #, Status, Queure/application, Description check payment to Comenity Card accounts.
I have called several times since called Customer Service Dept. They keep saying that they have 90 days. Also indicated that we can not speak to anyone in the dispute department only mail. They have no information other than a dispute was filed and they did receive my letter on XX/XX/XXXX with the information I mailed. Only received XXXX letter from the Dispute department dated XX/XX/XXXX that they will notify me of the finding.
Customer service is no help. It will be 90 days on Sunday, XX/XX/XXXX since I filed the dispute. As of today, have only XXXX correspondence from Comenity Bank dated XX/XX/XXXX.
The last call I made was on XX/XX/XXXX -only spoke to Customer Service again. Asked for XXXX XXXXgot same answer they have 90 days. Asked as a consumer what can I do. They said nothing. Just have to wait or contact dispute department again by mail.
I don't understand how a bank can keep your money for 90 days? When information was given to them that proved that they cashed check?
09/26/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
NJ
07018
Web
This is about the XXXX XXXX XXXX XX/XX/2021 with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form.
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX.
The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.
15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party.
15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.
In the above-mentioned XXXX XXXX XXXX XXXX without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ).
With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws.
I hereby request you remove the below-mentioned information from my XXXX Report : xxxxx XXXX If you accept my request, I will not escalate this matter to a XXXX complaint.
Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
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.
08/09/2023
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
10016
Web
On XX/XX/XXXX, I made a purchase at a Lane Bryant XXXX while visiting XXXX. I had forgotten if I purchased by cash, debit card, or using my Lane Bryant Card. This was during the Pandemic and I had not received any statements. At the time of the purchase, I had a XXXX balance. I normally paid the Lane Bryant card biweekly, and I had previously overpaid the account by {$85.00} because I had automated my payments for many years. I had been a customer of Lane Bryant since XXXX. With a balance of ( - {$85.00} ), Comenity Bank began charging me late fees of {$35.00}. And resolving this dispute was problematic and they did NOT return all of the overpayment. But it became too much of an expense and a bother to get the last {$35.00} back. So I let the issue go and stopped using the card.
During the Pandemic, there was a discrepancy with receiving mail. And I had been in and out of town often. I did not realize there was an issue with the bill until a collections representative called me, informing me the account was past due but still open. At that time, I explained the oversight. I sent the minimum payment due. I also sent payment in full for the items I purchased. I also explicitly let them know I did not receive my statement. When I finally received my statement in XXXX, I saw they had charged me {$220.00} late fees. I called Comenity Bank and requested to speak to a supervisor, disputing the late fees because ( 1 ) I had not received a statement ; ( 2 ) I have had a Lane Bryant store credit card for 15 years with a favorable payment history ; ( 3 ) their payment processing had been so poor the prior year they had charge me interest and late fees on a negative balance and still had NOT repaid me all of the money for that discrepancy. Despite having been treated this way, Comenity Bank refused to remove the late fees. I was peeved but I paid the balance in its entirety anyway. BUT THEN... Comenity Bank CLOSED my account that I had paid and repaid favorably for year, negatively impacting my credit score.
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.
11/03/2023
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
VA
22203
Web
Older American
My husband, XXXX XXXX, and I were in XXXX XX/XX/XXXX and the condition for staying at a discounted fee at XXXX XXXX was attending a timeshare presentation. It was high pressure and it turns out we were given fraudulent information. We signed for a time share with XXXX credit cards opened for the down payment using my name, XXXX XXXX, and credit information. By the time we got back home I realized there was likely fraud and with XXXX and I tried to cancel the XXXX contract, which they refused, and I contacted all the credit cards ; XXXX, XXXX and Comenity Capital Bank to not follow through with the line of credit. XXXX and XXXX complied and Comenity Capital Bank sent me a letter saying that they hoped to do business in the future if I changed my mind but went ahead and opened the credit for {$16000.00} anyway. With fees at the time of charge off : {$17000.00} I contacted them many times by phone and mail with a copy of the letter, attached, that states that they regret not doing business with me but look forward to doing business with me in the future if I change my mind.
They continued to call and send mail trying to collect the debt from me. Eventually they sold the " debt '' to XXXX XXXX XXXX XXXX who has been trying to collect since XXXX. Today I was served by the Sheriff with court papers here in XXXX XXXXXXXX XXXX
I live full time in XXXX XXXX and pay taxes in XXXX XXXX and XXXX XXXX. I stay part time with no current lease in XXXX XXXX XXXX were I have a small non profit and am here sporadically and do have a Florida drivers license because I get discounted rates for my non profit but my main residence is in XXXX XXXX.
In addition my husband has been notified that the XXXX timeshare is now under international investigation for fraud and we are party to it as victims of fraud.
Comenity and XXXX put this on my credit report but when I reported this along with the letter I have attached here to the credit bureaus the negative report was rescinded and my credit score today is XXXX by XXXX.
09/10/2023
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
WA
98223
Web
am writing to file a formal complaint against Lane Bryant, a retail company, regarding their persistent and intrusive phone calls, which I believe violate consumer rights and privacy regulations. I am seeking the assistance of the Consumer Protection Bureau to address this matter.
For the past several weeks, I have been subjected to relentless and untimely phone calls from Lane Bryant representatives. These calls occur at highly inappropriate hours, including late evenings and weekends, disrupting my personal life and causing significant distress.
I want to emphasize that I have neither solicited nor given my consent for these calls. The continuous invasion of my privacy and the disregard for my right to peace and quiet are not only unacceptable but also raise serious concerns about Lane Bryant 's business practices.
Despite my attempts to address this issue directly with Lane Bryant 's customer service, the calls have persisted, and the problem remains unresolved. Therefore, I believe it is necessary to escalate this matter to the Consumer Protection Bureau to ensure my rights as a consumer are upheld and that Lane Bryant is held accountable for its actions.
I kindly request that the Consumer Protection Bureau thoroughly investigates this complaint and takes appropriate action against Lane Bryant if violations of consumer protection laws are found. I believe it is crucial to protect consumers from unwarranted intrusions and to ensure that companies like Lane Bryant adhere to established regulations.
Enclosed with this email, please find evidence of the repeated calls, including call logs and any written communication with Lane Bryant regarding this issue.
I appreciate your prompt attention to this matter, and I trust that the Consumer Protection Bureau will work diligently to address this complaint and help ensure that my rights as a consumer are upheld.
Thank you for your assistance in resolving this issue.
I included sample days of inappropriate times called and numerous times.
01/31/2023
Yes
Debt collection
Credit card debt
Communication tactics
You told them to stop contacting you, but they keep trying
TN
37912
Web
My mom XXXX at the end of XXXX and Ive been trying to rectify all the financial mess. I began getting multiple ( XXXX times per day ) calls from reps saying they were calling on behalf of Comenity and a Wayfair card account. It has been an absolute assault - calling from multiple numbers, multiple times per day, and having multiple representatives call multiple times per day to threaten me with legal action ( particularly from XXXX ) - it reached a fever pitch this month. Ive requested numerous times- XXXX numerous times and XXXX : XXXX, XXXX, the XXXX and the XXXX- for proof of debt and to stop being harassed.
After requesting a proof of debt statement and requesting again to stop being harassed, I received a call on Tuesday XX/XX/XXXX and had a long conversation with an agent that called from the now blocked XXXX XXXX XXXX who identified herself as calling on behalf of Comenity and my wayfair card and using threatening language. I first asked this agent if the call was being recorded and she said yes and i asked her to make sure it was available for review as I was filing a complaint. I then asked her again to identify who she was calling on behalf of and she said Comenity bank re : my wayfair balance. I explained to her I had asked for a proof of debt statement and had told them multiple times I was being harassed by phone calls and threatening messages which I understood was a violation of fair debt practices. Additionally I told her I had requested a proof of debt statement about a Wayfair card and my understanding once that was requested debt collection calls were to discontinue. She argued with me saying she cant control what other agents do. I told her - well - I believe it is a law .. so, Id suggest to Comenity they follow the law if youre saying they dont. We hung up and I was called 4 more times that day from a variety of numbers stating it was Comenity on behalf of a past due Wayfair account and theyd be taking legal action and needed to get a lawyer if I didnt have one helping me.
10/09/2023
Yes
Credit card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
NJ
08831
Web
Older American
I have had this credit card with AAA for many years. I was informed that the credit card company switched from XXXX XXXX XXXXXXXX to Comenity. I noticed on my last bill from them ( I get paper statements in the mail ) that " XXXX total year to date. Total fees charged in XXXX - {$50.00} '' Didn't understand. I pay all my bills on time and in full. I called Comenity and spoke to a representative. He explained that the date I choose to pay the bill, on that date, XXXX ( my bank ) sends a paper check to Comenity which get to them about XXXX days later. So if the bill is due XX/XX/XXXX, and I arrange to pay the bill through my bank on XX/XX/XXXX, and I arrange that payment the end of XXXX, on XX/XX/XXXX, XXXX sends out a paper check to Comenity. So the payment arrives late, after the XX/XX/XXXX due date.
I was amazed that in this digital age, paper checks are sent from a bank to credit card.
I called XXXX and they said that the payment should be received on XX/XX/XXXX, as in my example above.
I looked at the payment activity on XXXX and saw that all the payments I make to companies are executed " XXXX or XXXX business day electronically. '' But Comenity 's bill says on my XXXX account " XXXX Business Days paper check ''.
Comenity did give me a credit of {$25.00} from the {$50.00} fees. That {$50.00} fee is not on the front page of the bill, BTW, but on page XXXX. Other people might not notice it.
I XXXX complaints from Comenity and there are lots of people making complaints.
Also, I got an email saying that my payment is due soon for AAA Travel Advantage Visa Signature card ( the full name of the CC ). No where on the email does it say that they are sent a paper check that takes time to get that check.
They shouldn't be allowed to deceive the public. If you need more information, please let me know.
In all fairness, I didn't see the actual fees $ XXXX {$25.00} added on to my bill. Is the company actually charging those fees? I would have to add up each month 's statements to determine that.
11/22/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
27520
Web
I currently have a XXXX XXXX credit card serviced through Comenity Bank. I was charged a late fee due to their website being unavailable and they refuse to remove it. Over the past 3 months, they have had technical problems with their website. When I attempt to pay my account through their website I receive a message that states : " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' Usually, this message only lasts a few hours and I can get into my account and make the payment. This month I received this message from XXXX XXXX XXXX XXXX. I attempted to call the bank on the XXXX and received a message that their offices were closed. I was able to get into the website at XXXX on the XXXX to make the payment but at that point, it was past their XXXX deadline and I received a late payment. I tried to call them on the XXXX and received the message that their office was closed and that I would have to try again later. I attempted to call on the XXXX and spoke to a representative who shared that my account had been closed and he could not give me any more information. I received an email from the company informing me that I had received a late payment fee. When I attempted to call them they said that my account had been closed in 2020 and that they no longer serviced my account, so they would be unable to waive the late fee. When I asked why I was receiving bills from them if they no longer carried my account the representative stated that it was because I had a balance. I explained that I was unable to get on to my account because of a technical glitch and even attempted to log on while on the phone with the representative and was unable due to the same message. She told me that there was nothing that she could do because their website " looked fine to her ''. I offered to share my screen with her to show that I was unable to get in and she said that it was not necessary and that if I wanted to make a payment she would gladly do it for a {$9.00} fee.
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
282XX
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
919XX
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 ).
12/16/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
IL
60506
Web
Back in XXXX, my credit card was lost or stolen and several fraudulent transactions posted to my account. I contacted customer service to report the fraud charges for investigation. I was told that the credit card was being closed and a new one would be issued. After the investigation was completed, the fraud case was ruled in my favor and the transactions were reversed causing a credit to my account of {$2400.00} since I had made a significant payment to my account prior to the fraud. When I received the new card, I was able to activate it but it would not work when I tried to use it. I contacted customer service and was told that that card had been reported lost or stolen. I could not understand how a brand new card would be reported lost or stolen. I was told that another card would be sent out to me. When I got the other card, it was the same outcome. I was able to activate it but it would not work when I tried to use it. I called customer service and was given the same explanation that the card had been reported lost or stolen and that a new card would be sent out to me. After receiving the 3rd card, I activated it and had the same outcome. Please note that each card number was different. On XX/XX/22, I called customer service and requested an electronic refund of my credit in the amount of {$2400.00}, an issuance of my cash back rewards in the amount of {$120.00} and closure of the account. It seems that the account was closed before the refund of my credit and cash back rewards and I am being told that the account can not be found. At this point, I have been waiting several weeks for access to my own funds. The credit and cash back rewards are my own funds. The credit is due to a payment made and fraud charges being reversed, and the cash back rewards was monies I earned through purchases. My original credit card number upon opening the account was XXXX XXXX XXXX. I have attached for your reference the other two cards that I received that were successfully activated but did not work.
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.
10/09/2023
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
SC
29045
Web
Older American, Servicemember
XX/XX/XXXX To whom it may concern, Re : Discrepancies in billing and credit reporting by Comenity Bank I am writing to formally address a concerning matter regarding my account with Comenity Bank linked to my transactions with XXXX. In XX/XX/XXXX, I made a purchase of {$100.00} from XXXX. Immediately after receiving the purchase, I returned the items and awaited my refund. Instead of receiving a refund, I was charged interest and non-payment fees by Comenity Bank. I became aware of these unjust charges in XX/XX/XXXX when Comenity Bank posted a payment exceeding {$200.00}, despite not having made any additional purchases from XXXX.
Upon contacting XXXX, they confirmed that my refund had been sent to Comenity Bank and even provided me with a statement to this effect. Despite XXXX 's affirmation, Comenity Bank failed to process my refund and continued to add unjustified interest to my account.
I took my concerns to the XXXX XXXX XXXX XXXX XXXX XXXX and filed a complaint ( ID XXXX ) against Comenity Bank on XX/XX/XXXX. Instead of a rightful resolution from Comenity Bank, they added further injury by reporting delinquency to XXXX on XX/XX/XXXX, resulting in an unjustified decrease in my credit score.
The letter I received from Comenity Bank dated XX/XX/XXXX, contained several inaccuracies, with a final statement saying I owe an amount of {$30.00}. Wanting to put this matter to rest, I paid the stated amount, hoping it would end my association with Comenity Bank. Contrary to my expectations, I am still receiving statements from Comenity Bank indicating that I owe {$71.00} and claiming I have an active account with XXXX, as of XX/XX/XXXX even though my account was closed and fully paid off.
I have always prided myself on maintaining an exemplary credit record, and it is deeply distressing to see it tarnished due to no fault of my own. I implore the relevant agencies to thoroughly review my credit history and contrast it with this singular unfortunate experience with Comenity Bank.
.
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
106XX
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.
11/22/2023
Yes
Credit 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
33178
Web
My Victoria 's Secret credit card is being charged a fee for account protection by XXXX XXXXXXXX, that I have never signed up for their services. This XXXX XXXX company has been billing my account for years, and I failed to notice it, since the bill is online and there is a balance on this account. I always made my payments on time, never missed a payment. about XXXX years ago my husband asked to see the statement and we discovered this issue. We contacted victoria 's secret customer service right away and they promised to escalate the issue and contact us. They also advised us to contact XXXX XXXX directly, which we tried at that time, but after long ( over XXXX minutes hold ) we gave up. I am ashamed to say that I forgot about this issue again ( we have XXXX XXXX XXXX ) until again my husband asked about this account. I have checked the account and I saw that XXXX XXXX is still billing my account ( depending on month ) from {$39.00} to {$41.00} + per month. This is fraud being committed by both companies : XXXX ) XXXX XXXX is/has been billing my account for years ; XXXX ) Victoria 's Secret bank is assisting them to do it and won't investigate, even though I specifically stated that I am a victim of fraud.
Second conversation took place about XXXX week ago, I first spoke to fraud department, they, without specific reasoning transferred me back to customer service. Than I spoke with XXXX ( ID number XXXX ) from escalation department, that was not much help either. She kept promising she will resolve the issue and keep asking me to call XXXX XXXX, a company that as far as I am concerned is committing fraud. I specifically demanded that she terminate the XXXX XXXX and XXXX refused to do that by telling me I need to contact them directly. They have charged my account for at least XXXX years and I am positive this is a company policy and Victoria 's Secret bank is fully aware of this issue and they are practicing this against other customers as well. Please help me solve this issue.
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.
11/20/2023
Yes
Credit card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
NY
12601
Web
I realized after having this card for almost a year that I was suddenly being charged a huge amount of interest, over 33 %! I have a credit score of over XXXX and have not made any late payments, so I thought it must have been error. I contacted the company and they stated that they are allowed to do that when there is balance. This didnt make sense to me at all and I expressed this but they said there was nothing they could do. So I immediately said close this account and paid off in full {$570.00} to be done with this deceptive company. Then I get another bill for the next month saying I owed another {$12.00} for interest. I contacted them again stating that my balance should be {$0.00} since it was paid in full by the due date and it should not have accrued any more interest. They continuously respond Saying this : We understand your concern with the recent finance charge. Based on recent change-in-terms regarding the " grace period '' for finance charges that went into effect on your account on XX/XX/2022, 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 also will charge your account interest on any balance carried over, plus any new purchases made, starting the day the purchase posts.
I respond back saying I had a {$0.00} balance so no more interest should be accruing, but they just reply with the same thing and I get nowhere with them. I also keep seeing on the bill and Im my online account that I have my full Line of Credit available when I have repeatedly told them to close my account. I will never charge anything the Comenity Bank again! BUYER BEWARE! Do not get any store cards that use Comenity Bank. This deceptive company should be held accountable. I would have never agreed to 31.2 % interest with having excellent credit history. I would have just used a different card with a low interest rate.
05/11/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Can't use card to make purchases
VT
056XX
Web
I have a XXXX XXXX XXXX, issued by Comenity Bank, N.A. The account was initially opened with XXXX XXXX XXXX, which sold it to Comenity in late XXXX. The first transaction with Comenity was on XX/XX/XXXX and there were 69 total transactions, with the last transaction on XX/XX/XXXX.
I was making a payment online on XX/XX/XXXX and I discovered that there was no available credit. My limit is {$1200.00} and my statement balance at that time was {$220.00}. I made a payment of {$110.00}, then sent a message through the secure message portal asking for information as to why I had no available credit.
I received a message back on XX/XX/XXXX requesting that I call the account security department. I was referred to a supervisor who told me that the account was closed because XXXX had no physical address on file. She told me that my account would be reopened with XXXX hours.
On Tuesday, XX/XX/XXXX, the account was still closed. I sent another message through the secure portal asking for a status update. I received a response on XX/XX/XXXX that the account was permanently closed due to security concerns.
On XX/XX/XXXX, I called the company and spoke with XXXX XXXX who told me the same thing. He stated that due to the Patriot Act, my account was permanently closed. He also stated that he could not share what the security concerns were. He said I was welcome to pay off the balance and re-apply in 30 days. He showed no empathy, seemed to be impatient with me and periodically spoke over me while I was talking.
I find it disturbing that an account can be closed through no fault of the account holder. I held this account for 15 months and Comenity was more than happy to take my money over that time. When there was an issue, there was no communication with me directly through the mail, a phone call or a message in the secure message portal associated with my account. I also am very concerned as to the possible repercussions to my good to excellent credit score.
I look forward to your response.
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
027XX
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
640XX
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
100XX
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.
06/01/2023
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
MS
386XX
Web
Servicemember
Comenity bank has mis-allocated funds paid towards promotional plans. Payment have been applied as purchases, thereby increasing the balances owed higher than the original purchase. I had a plan from XX/XX/XXXX - XX/XX/XXXX. I have paid that in full, but each time I have called and spoken to a representative to have funds specifically allocated to that account, the payments have been applied as purchases rather than a credit to the amount owed. That account is in dispute, but on my statements from XXXX, XXXX and XXXX, payments intended for another promotional plan that was dated XX/XX/XXXX - XX/XX/XXXX were applied to the paid in full account which expired in XXXX ( XXXX on my XXXX statement, and {$260.00} in XXXX. ) The original purchase price was {$960.00}, but the balance now shows as {$1300.00} Comenity Bank stated that I would not have to pay anything towards the disputed amount, but their system has automatically applied that money to the disputed plan and they refuse to move it despite their stated policies. For the account expiring on XX/XX/XXXX, {$260.00} was moved from the funds designated for that and also applied toward the paid account in dispute in XXXX of XXXX. In XXXX, that balance was {$940.00} and in XXXX it shows as {$1200.00}. If I am making large payments every month, how can that be? The statements clearly show purchases instead of payments or credits. They refuse to do anything about it except to dispute the charges. How is one supposed to obtain a correct balance due to these erroneous payment allocations? Further, they had changed their allocation rules in XX/XX/XXXX, so, in essence, they changed my contract during the life of the contract. I need some assistance to resolve this matter. This is not ethical, I believe illegal, and certainly a deceptive practice in order to force the consumer to pay interest on what was originally stated to be an interest-free program. Please see the attachments to illustrate the errors and allocations I have described.
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
395XX
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
158XX
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
372XX
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.
09/02/2023
Yes
Credit card
Store credit card
Getting a credit card
Card opened without my consent or knowledge
CA
92503
Web
I was victim of identity theft back in XXXX and XX/XX/2023. I was notified by protect my ID through tipple XXXX of fraudulent activity on my record. My social security number, day of birth, driver license and mail was compromised. they stole all my information. multiple accounts opened under my name. Filed a police report under XXXX XXXX XXXX department. Case number XXXX. Pretty most of the accounts opened have being resolve except for XXXX account. I have contacted the company security Operations department which is in charge of investigating fraudulent cases. I was instructed to mail some information from my side. So i mailed a copy of my ID, a copy of the police report and copies from my bank statement. i was told the person who opened the account made the first month payment so they needed proved it wasn't me making the payment. This was back in XXXX. So i followed up a few weeks l letter after i received a letter from them that they have concluded i was responsible for making the payments in this account. I called them and they said the reason why i received this letter it was because they never received the information. Even though they provided me with address where i have to send it. So now i was instructed to fax it over. So i did XXXX weeks ago to the number the provided me and i called them last week to follow they said they could see the information i sent and they were going to send it over to the investigator in the case. i received a similar letter this week saying they concluded im responsible and i have to pay for the charges. so i called them again 3 days ago and they said they didnt received any information now they want me to fax it over again to 2 different fax numbers. I requested an email address instead and they said they dont have an email address. I am tired of dealing with them. i have done everything i was instructed to do because i want my credit to be fix again. I feel i have being treated unfairly even though i have tried to work with them.
08/18/2023
Yes
Debt collection
Other debt
Threatened to contact someone or share information improperly
Talked to a third-party about your debt
NC
282XX
Web
XXXX I got XXXX XXXX XXXX from XXXX XXXXXXXX and they approved me for credit. They evidently use Commentiy bank for the loan. Commenity mailed a statement that says pay your bill but they ask you to login and pay with a account number. I never received an account number. They contacted me about a past due balance, when I tried to pay them, I asked for my account number so I could pay online and they could not give it to me. Then immediately after the calls got worse. They harassed me several times a day and when I would answer they would hang up then when I would call nobody would help me. Like one person said they don't know my account number I called to speak with a supervisor and they would not transfer me. I finally told them not to call me anyone a few weeks ago. Now, today XX/XX/2023 I got a text from my sister, with an audio recording from XXXX XXXX XXXX option XXXX XXXX XXXXXXXX. This lady purposely called my family member who is not listed on any of my data. I am independent and never ever give out family members information. My sister is not involved in this and should not be harrassed like the. This hurt my feelings to have someone call my family member who is in Minnesota. I am in XXXX, NC and I have not told this company about any of my family.
They researched my family members on XXXX evidently. I don't want them to call lmy family or me. This is ridiculous. I think they are harrassing me. I lost time from work today to call XXXX and try to report this. They told me to contact you. Please help me! I do not know what to do. I feel threatened, and that they are going to give out my credit information. I have had some issues with my bank account also. I dont know if they are doing anything with my social security number and I do not trust them. I have disputed their bill with the credit reporting agency. I don't want to be harrassed. I feel like taking out a lawsuit against them anyway because the procedure was painful and did not work. Please help! Thank you
09/20/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
FL
34606
Web
The following corporations XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX are reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately.
According to XXXXXXXX XXXX own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income to be reported on tax returns as such. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX must remove, delete all income from being reported to my credit reports In summary it is abundantly clear to all parties, that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX themselves should not be reporting income.. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a XXXX to be included in your consumer credit report
07/13/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
MD
20603
Web
My concerns are that the credit card company did not acknowledge hardship and continued to add late fees and added interest that was not at the reduced APR as agreed.
I contacted Comenity bank in XX/XX/XXXX and explained that I needed payment assistance and request to be placed in hardship program. I spoke to a rep from overseas and the payment arrangement was set for 12 months and I began the program ( so I thought ) In XXXX, I began to receive phone calls from Comenity bank stating that I was past due and I notice that the charges they placed on my account for late fees and ridiculous amounts of interest. Under the hardship program, there was a reduced ARP of 10-11 %. This was not it. I called on XX/XX/XXXX and was told that the last rep I spoke to did not enroll me into the hardship program, and did not offer to fix the issue. They simply said they can enroll me at that time. But I asked several times how and explained that I obviously did because I have payments scheduled for the reduced amount for the next year at the reduced rate. The rep did not have any solutions and did not offer to reverse previous charges that should not been on the account. I requested to speak to a US representative and was placed on a long hold to wait. Once a US representative was on the line, she did not see the XXXX conversation either and stated that after a few billing cycles the late fees should be reversed but now my credit score has lowered tremendously behind this and due to the high interest they werent supposed to charge me and late fees, Im nearly at the max and I dont know how to fix this. Its hard getting through with the telephone number thats on the card and on the website. Then, the company decides to lower the limit on my NYC credit card from XXXX to XXXX further damaging my credit score and left me with a remaining credit limit of XXXX. I paid that account on time and didnt have any issues with that account so Im frustrated with this company and their unfair practices.
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
255XX
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
334XX
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.
11/12/2023
Yes
Credit card
Store credit card
Fees or interest
Problem with fees
TN
372XX
Web
Older American
I asked Comenity Bank XXXX XXXX XXXX XXXX for an explanation as to why when I paid the entire balance in full every month was I also being assessed interest fees. They said because the 12 month interest free account had rolling dates that required different payment dates which was shown in a separate section of the bill in small detail. However, when you add those amounts up- which I did every month- they added up to the full interest free amount I paid by the due date. In the fine print in a separate section of the bill it says that amount had to be paid by XX/XX/23 which was a month PRIOR to receiving the statement. The bill closing was XX/XX/23 - after the date in fine print- and the bill due date to avoid any interest fees was XX/XX/23 which I honored. Then in XXXX I paid the entire remaining balance to {$0.00} before the due date and received a bill for {$41.00} for interest due. So, on those three months statements ( XXXX, XXXX, XXXX ) despite paying the full amount required to avoid interest in advance of the payment due date on the statement I was charged interest of {$72.00} ( XXXX ), {$61.00} ( XXXX ) and {$41.00} ( XXXX ) for a total of {$170.00}. I asked XXXX the Comenity Bank service rep to refund these charges since I had paid the amount needed to avoid interest in full each month prior to bill due date. She declined because the fine print in the separate section of the bill said I would have had to make those payments BEFORE I ever received the bill. How would I do that? I believe this interest fee practice is at best misleading and at worst fraudulent. I believe it is designed to take advantage of consumers who believe they have paid their bills in full ( to receive interest free credit as promoted ) in order for the bank to generate additional bank revenue when in fact there has been no added expense or purchases. My request is for a full refund of the {$170.00} since I paid my bills in full or ahead of time every month upon receipt of my statement.
04/16/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MA
017XX
Web
Complaint : Comenity Bank has been incorrectly charging {$2.00} interest payments on months my card was paid in full and not used at all. They failed to notify me of my outstanding balance, charged me several late fees on that {$2.00}, and have unfairly damaged my credit score.
History : XX/XX/XXXX -- I made a purchase for {$92.00} on my Express store card with Comenity Bank.
XX/XX/XXXX -- I received the statement for my purchase, but misplaced and failed to pay this bill.
XX/XX/XXXX -- I forgot to make a payment by the due date, and got a legitimate late fee. New statement balance of XXXX.
XX/XX/XXXX -- I made a payment for my full statement balance of {$120.00} XX/XX/XXXX -- Despite paying off the account in full, I was INCORRECTLY CHARGED an additional {$2.00} of minimum interest.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -- Having not used the card at any point in this period, I was unaware of the incorrect {$2.00} fee. I was then charged {$8.00}, {$16.00}, and {$32.00} late fees, for a total bill of {$62.00}. I WAS NOT NOTIFIED by Comenity at any point of my outstanding balance or the late fees being applied, either by phone or email.
XX/XX/XXXX -- I discovered a derogatory mark on my credit score, and traced it back to my Express store card and the surprise charges. I scheduled the payment for the full {$62.00} balance.
XX/XX/XXXX -- On my next statement, Comenity applied another INCORRECT {$2.00} " minimum interest fee ''.
XX/XX/XXXX -- I called to speak with a representative on the phone. The automated phone system tried to close my account before speaking with any actual human, with the {$2.00} still unpaid ( which, judging by other CFPB complaints would have led to even more late fees! ) Upon speaking with a representative, she failed to understand any of my complaints, ignored my concerns about my credit score, and claimed to reverse the {$2.00} charge. On my account on the card website, it now shows me owing another {$2.00} charge instead.
08/01/2022
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
KY
40245
Web
I have tried numerous times to dispute a charge made by a timeshare resort called XXXX. I've attached a detailed letter that was included in our dispute, but it obviously fell on deaf ears. However, let me give you a brief description of our issues. We were sold a " right to use '' timeshare by XXXX, which turned out to have multiple false pretenses. We never were interested in buying a timeshare until they started talking about additional benefits that came with it. First, was the XXXX website. They told us all hotel booking sites get 20 % or more of the hotel cost. By being a member of the XXXX website, we would get to bypass this markup and save 20 % or more on all hotels. This seemed like a good benefit given we travel frequently. Once we obtained our website credentials, we quickly realized none of what they said was true. Almost every area you look to book a hotel is full price and in very few areas there might be XXXX or XXXX hotels discounted. They made a gross overstatement on this. Second, was the XXXX XXXX membership. We were told we would have access to rent houses at any time all over the world for a fraction of the price. Again, once we obtained our website credentials, we quickly realized none of what they said was true again. There are very few houses on the website and the houses are rarely available. Once again, they made a gross overstatement on this. And third, the golf program. We were told we would have access to private courses for a reasonable price all around the world, included in our hometown of XXXX, XXXX XXXX play golf, so that seemed like good benefit as well. At this point the only thing we have seen on this is a list of courses in their sale office. We even called golf courses on their list, and they had never heard it. So basically, they sale you on all these so called " added benefits '' that turn out to be useless. Interval should not even allow a sham company like XXXX to use their credit card when they blatantly lie to consumers.
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
040XX
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
349XX
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
191XX
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.
08/19/2023
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
19140
Web
FCRA requires consumer files accurate and complete. Want account to list on credit report entire payment history & updated status ; date account was opened and closed ; credit limit ; high credit limit ; balance, high balance ; list in payment history section year and month payments were 30,60,90,120,150, 180 days late and charged off date.
XXXX XXXX XXXX informed me that account is owed by them effective XXXX. And XXXX does not own account, however account is 100 % inaccurate.
Attached is document from XXXX XXXX XXXX stating their ownership.
Congress was clear that credit reporting companies and furnishers have responsibilities with respect to accuracy with no exceptions for legal issues.
the CFPB, together with the Federal Trade Commission ( FTC ), filed an amicus brief in Sessa v. Trans Union , LLC, a case in which a consumer sued XXXX, one of three nationwide credit reporting companies, for violating the FCRA. There is no dispute about the facts : XXXX reported on a consumers credit report that she owed nearly {$20000.00} on a car lease that she actually didnt owe under the plain terms of her lease.
The consumer sued XXXX, arguing that it had violated the FCRA by failing to have reasonable procedures to assure the information on her report was accurate. XXXX argued that it couldnt be responsible for failing to do its duty because the error was legal rather than factual. XXXX also argued that the incorrect information couldnt be inaccurate because it was provided to XXXX by the company that financed the lease.
The brief filed by the CFPB and FTC points out that the FCRA does not contain an exception for legal inaccuracies. Rather, the law commands credit reporting companies to follow reasonable procedures to assure maximum possible accuracy. While XXXX argues that the inaccuracy on the consumers credit report was based on a legal dispute, the error was simple and straightforward : XXXX reported that the consumer owed money that she clearly did not.
07/26/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
CA
92627
Web
This company provided the most inept, frustrating customer service experience of my life, wrongly withholding {$250.00} from me for nearly XXXX months as a result.
On XX/XX/XXXX I received an email informing me of a {$250.00} rewards redemption on my XXXX card. It was clearly fraudulent. I responded to the email and messaged Comenity through the website to tell them it was fraud. I also called the company and spoke to someone for over an hour detailing what happened.
I received no communication from the company for several weeks, and then months. When I messaged them through the website, I got stock replies. When I called, I got conflicting messages from their customer service personnel which left me with the impression that no action was actually being taken.
XXXX months after my initial complaint, they sent me a letter asking me to write them and describe what happened, even though I had already explained the situation multiple times on recorded lines. They clearly had not been doing anything to process my complaint. After I wrote them, they replied with Thank you for contacting us please allow up to 90 days for us to complete our investigation. No acknowledgement that this was an ongoing case. No recognition that I had been trying to deal with this for months. Nothing.
Later in XXXX, I complained to them on XXXX. They messaged me back, telling me to call the rewards center. The folks at the rewards center said they had no record of my complaint, and no open dispute! After XXXX and a half months, all my attempts to get their attention had produced nothing in their organization. Nobody was talking to each other.
Eventually, I went back to the XXXX customer service person, and they were able to investigate the issue and restore my rewards balance in less than XXXX hours! They had the ability to handle it the whole time, but instead the company strung me along for months without communication because of their ineptitude and contempt for me as a customer.
02/19/2023
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
33544
Web
I'm writing to you after reading over The Cares Act provision and seeking forgiveness based on its policy.
I noticed that my most recent credit report contains a late payment reported in XX/XX/2023 on ComenityBank/XXXX XXXX. XXXX XXXX. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I, myself and my wife both were shamefully fighting XXXX. Per a call with a rep of ComenityBankXXXX and in a great attempt to maintain my financial responsibility, I was under the impression that I qualified for a deferment plan. Nothing mattered more to me than keeping my relationship and credit worthiness intact. So I expressed great concerns about the possible cons of opting into such a program. I was assured on a recorded call that all shall be well as long as I operated within the guidelines, in which I did. Sometime later I was alerted by one of my credit monitoring services that this account was flagged as 30 days late. I immediately called in and satisfied my balance. Aside from this unforeseen and unavoidable circumstance, you will see that I have excellent payment record.This has been really challenging to my credit worthiness and stressing for quite some time now. Because I felt so betrayed by this creditor, it took me a while to use this card again. Now, I ask for your mercy under The Cares Act amendment. I understand that this is only something you can rectify. I am planning on refinancing my home and it has come to my attention that the missed payment on my credit reports is hurting my ability to qualify. In my heart, I know that the missed payment doesn't reflect my solvency. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/2023 from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly it. Thank you for your consideration. Have a blessed day!
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!!!
07/06/2022
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
CA
92618
Web
From XX/XX/21 contacted the furnisher and XXXX via telephone, email and certifiedd letter. Multiple attempts have been made regarding the correction, verification of information for XXXX XXXX, First issue, payment history disputed, trans union kept telling me that the information is correct and that Comenity, the furnisher verified as accurate. In an effort to get the correct information regarding the charge off amount, payment history 1st delinquent date and charge off dates, I contacted the furnisher directly via telephone, via cert mail and via CFPB complained already closed but attachments included will show the company response. I went ahed and responded to the furnisher directly because you closed out the previous complained as resolved. XXXX deleted the information disputed instead of conducting a full re-investigation, attachment below of the results. Yesterday, I called XXXX directly and asked them why do you keep reporting X in the payment history and the rep replied because the furnisher does not and we have to report X because the furnisher has no knowledge. I am filing this complaint seeking the enforcement of complete, accurate and verifiable information reported in my consumer report. The lack of cooperation from the furnisher only shows violation of policy, adjusting the delinquency and re-aging the status of the account. Furthermore, the balance due at the time of the first delinquency was around {$110.00} but we have a charge off amount of {$640.00} Furnisher is reporting false payment history and attempting to re-age account with the intent to continue to add unnow fees beyond the time allowed by law, the fees are in excess for example if a payment due is {$8.00} and consumer fails to make the payment, the late fee is 2-3x higher per violation vs the min payment due. XXXX does not want to loose the business or the account and is not enforcing the furnisher agreement instead they are just omitting, deleting and not abiding by the laws of FCRA.
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.
01/06/2023
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
UT
84044
Web
Complaint against Comenity Bank & Bread Financial : Purchase at XXXX XXXX was made on XX/XX/XXXX.
Comenity Bank XXXX Bread Financial charged the wrong total amount and the wrong monthly payment, which amounts were also at variance with XXXX 's records.
Visited XXXX stores several times and spoke with Comenity Bank/Bread Financial on the phone in the store during XXXX trying to resolve the issue to no avail, Called Comenity Bank/Bread Financial on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, and XX/XX/XXXX ( all in year XXXX ). Dispute case was opened internally by Comenity Bank/Bread financial in XX/XX/XXXX.
According to Comenity Bank/Bread Financial staff who identified themselves as supervisors, specialists, and managers- as conveyed over the above listed phone calls- Comenity charged 4 different payment plans against one account and one purchase, resulting in an incorrect total account balance due and incorrect monthly payment. This information was supposedly not discovered by Comenity Bank/Bread Financial in late XXXX, all previous attempts they could not figure out why the amounts were incorrect.
Each month I was assured that they had 'resolved ' the issue, the total amount charged to my account and the monthly minimum due both changed radically, even to the point of being charged more than XXXX above the purchase price paid at XXXX XXXX XXXX
To date ( XX/XX/XXXX ), the minimum monthly payment still is not correct despite speaking with Comenity Bank/Bread financial supervisors, specialists, and managers multiple times. My dispute has had no resolution and all the agents I speak with indicate that the people handling the dispute are another department and they can not contact them realtime, nor transfer me to them for resolution, and they are very backed up, so there is nothing I can do but wait.
It has been nearly 4 months with no contact from this so-called resolution department.
03/13/2023
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
PA
19604
Web
On Friday XX/XX/XXXX I received an alert on my XXXX credit reporting app about a Hard Inquiry that was placed on my credit report by Comenity CapitalXXXX XXXX It was after hours so I had to wait to file the dispute over the phone Monday morning during XXXX 's business hours. When I called. they advised that the card was opened by a sporting goods store and that I would need to file the dispute with the store. XXXX started the dispute process and found it to be fraud and had the inquiry removed. I located the contact number for the company, now known as XXXX XXXX XXXX. I live in XXXX and they have no locations in PA and I had never heard of them. When I called the company they confirmed that the card was opened online using my personal information. When I told them I had never heard of the store, never even got a card, nor an email, they confirmed that the email on file is not my personal email. I requested the account be closed as fraud and they advised that they would note the file. I also requested documentation be sent in the mail confirming the fraud and closed account and that is pending. I then went into my local police station to file a report for identity theft. Their office told me they do not release those reports unless they receive a subpoena, but that I could submit the record # to the local Social Security office and that report would be on file, should I decide to file for a new SSN. I also alerted my banking institutions.
Coincidentally, my cell phone provider the day before this happened ( XX/XX/XXXX ) advised that their network was accessed and my CPNI was released, but no " personal information was leaked ''. Then, 24 hours later, someone used my SSN to open a credit card online. I called them immediately to advise that I think their breach was more than compromised and they have assured me that it was not ; I am, however, skeptical given the timeline of events.
I have copies all my credit report and the report # should anyone need it.
02/19/2023
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
33544
Web
I'm writing to you after reading over The Cares Act provision and seeking forgiveness based on its policy.
I noticed that my most recent credit report contains a late payment reported in XX/XX/2023 on ComenityCapital/XXXX XXXX XXXX XXXX. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I, myself and my wife both were shamefully fighting XXXX. Per a call with a rep of XXXX/Burlin and in a great attempt to maintain my financial responsibility, I was under the impression that I qualified for a deferment plan. Nothing mattered more to me than keeping my relationship and credit worthiness intact. So I expressed great concerns about the possible cons of opting into such a program. I was assured on a recorded call that all shall be well as long as I operated within the guidelines, in which I did. Sometime later I was alerted by one of my credit monitoring services that this account was flagged as 30 days late. I immediately called in and satisfied my balance. Aside from this unforeseen and unavoidable circumstance, you will see that I have excellent payment record.This has been really challenging to my credit worthiness and stressing for quite some time now. Because I felt so betrayed by this creditor, it took me a while to use this card again. Now, I ask for your mercy under The Cares Act amendment. I understand that this is only something you can rectify. I am planning on refinancing my home and it has come to my attention that the missed payment on my credit reports is hurting my ability to qualify. In my heart, I know that the missed payment doesn't reflect my solvency. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/2023 from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly it. Thank you for your consideration. Have a blessed day!
03/12/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
NJ
07701
Web
This involves my XXXX rewards Visa. The account was originally managed by XXXX XXXX XXXX and switched to Commenity Bank in XXXX. I was advised that it would take a while for my cash back points to convert to cash back. I was interested in using these points while looking into vacations around spring/summer of XXXX and knew my points added up to over {$500.00}. I never booked a vacation or redeemed any points at this time. After the account was switched to Commenity Bank I began checking on my cash back amount to redeem so i could book a vacation. My account was only reading under {$3.00}. I called the first time on XX/XX/XXXX and spoke with an XXXX who advised it was still processing. My XXXX travel agent advised this was strange and she has heard of other XXXX customers having issues. She also advised that her personal account had already converted and it happened a few months prior.
I accessed my account and looked at my cash back section to find approximately 30 individual items listing cash back adjustments on XX/XX/XXXX and all equalled {$610.00}. On XX/XX/XXXX the value lists {$0.00}. I called two more times and spile to an XXXX on XX/XX/XXXX. I was on the call for almost an hour and wanted to speak with a supervisor. XXXX kept leaving me on hold saying he was trying to get a supervisor and tried to convince me to call back. He ended up coming on and saying no supervisor was available. The last time I called I forgot who I spoke with but everything was explained and they said they couldn't access the cash back history. I advised that I could and I never redeemed anything from my account and wanted to know why it went to XXXX on XX/XX/XXXX and they advised they could not tell me. Now I see that I was getting the run around from each customer service agent I spoke to. Either way they are responsible for my account and need to rectify replacing my {$610.00}. I have screen shots showing all of these transactions too. My cash back still only shows {$2.00}
12/04/2023
Yes
Credit card
Store credit card
Fees or interest
Problem with fees
WA
98684
Web
I have a credit card from XXXX XXXX ( serviced by Comenity ) used to purchase furniture for a new home in XXXX of XXXX. The credit card offered a 1.99 % interest rate for 36 months for the purchase. I have paid this account religiously. In XXXX of XXXX, I inadvertently made a payment to the account for my XXXX payment BEFORE the statement closing date at the end of XXXX resulting in 2 payments posting in XXXX. When I realized the payment posted for XXXX instead of XXXX, I immediately called Comenity to ask that they apply this payment to the XXXX billing and was told it wasn't possible. I told they would credit the extra payment back to my checking account and that I could then make the XXXX payment with that refund. Seemed logical and I did exactly what I said I would do. I made the XXXX payment with the money refunded. There was no mention of the fact that it would appear as an actual purchase subject to 30.24 % interest on my account. I did not notice what they did until the XXXX Statement when I saw that I am being charged this 30.24 % interest on revolving balance charge to the account of {$270.00}. Again, this was not a charge, it was them refunding an over payment that I made to Comenity. After 30 minutes on the phone with them this morning and no resolution I am filing this complaint. I went online and paid this balance while speaking to person # 3 of the call, a supervisor, and told him that the payment was made and that I wanted the revolving balance removed. He said he could do anything. I was instructed I had to call back after the XXXX billing period closes and request to have the payment reallocated to eliminate the revolving charge. Comenity is deceptive and is taking advantage of consumers. Had I not noticed this, I would have been charges 30 % interest on this balance for the next 16 months without knowing. I have never had an experince like this with any other credit card. I want the interest charges reversed for this fictitious charge.
10/18/2022
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
NC
282XX
Web
Since 2019 Comenity Bank has been attempting to collect alleged debts from me that have already been paid. My account with Comenity Bank ( Victorias Secret ) was approved and opened on XX/XX/2019. The account was opened through my credit ( pursuant to 15 U.S. Code 1602 ( f ) ) when my social security number ( pursuant to 15 U.S. Code 1602 ( l ) ) was originally acquired in the application in order for me to be the consumer in the credit transaction with Comenity Bank. Since the law deems the transaction as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended ( pursuant to 15 U.S. Code 1605 ( a ) ), then Comenity Bank has continuously violated my consumer rights by persistently requesting and demanding payment from me for alleged debts that have already been paid for through my credit. With Comenity Bank being defined as a debt collector by law ( pursuant to 15 U.S. Code 1692 ( a ) ( 6 ) ) they have also infringed upon my rights and violated the law by stating that I owe debts, sending multiple forms of communication with an intent to collect a debt, and using language and symbols that identifies the company with an intent to collect a debt ( pursuant to 15 U.S. Code 1692 ( b ) ). They have also continuously called and texted my phone ( 15 U.S. Code 1692 ( d ) ( 5 ) ) and unlawfully closed down usage of my card ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ). Comenity Bank has also fraudulently reported late payments, credit utilization, and other information regarding personal details about me to several consumer reporting agencies ( pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) ( i ) ). I have contacted Comenity Bank by mail demanding that they cease and desist all illegal activity and return to me an audit trail of all documents relating to my account, an account reinstatement, and a zeroed balance. Even though they have received my cease and desist notice they are still persistent with their texts and phone calls.
04/18/2019
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
LA
XXXXX
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
02/12/2023
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Charged fees or interest you didn't expect
KS
66047
Web
Older American
I have them harassing me daily calling me at least 3 times a day. My loan was to be only for XXXX months and they are now saying it's for XXXX mths. I have never received the original contract and they said it was not a contract .they keep saying it is a credit card it was a loan for dentures I got from XXXX XXXX in XXXX XXXX payments are to only be {$30.00}. A month .I paid XXXX XXXX {$290.00} in order to start this loan have proof. My loan is for only {$1300.00}. They say I am now {$890.00} late with {$150.00}. Late charges I pay every month with a money order first of each month. My legal advisor and I called them in person on XXXX. Talked to 3 different people for 2 hours. I told them I have sent Comenity capital bank almost 10 letters for the last 2 years with my monthly payment of {$42.00}. XX/XX/XXXX. I have paid {$1400.00} .started payments XXXX of XXXX. And yet they are saying my payments are late. The amount of my payments keep changing from them. I have never once have been sent a monthly bill from them as well. I was told to keep paying them now by phone on The XXXX of each month until the have received my form as to disputing this and default. Yet it has been 3 weeks I still have not been sent a form to send them.i have copies of each time I paid them every month and they are also saying they never get the money orders or they are due on the XXXX XXXX. But when I applied for the loan is was to be due by XXXX of each month yet when we spoke to the lady on the phone she said it was due each month on The XXXX XXXX. And saying I now owe {$54.00} late fees as well. I was not to have interests charges as long as it was paid in full .yet they say now I do have them and I still owe {$980.00}. Or {$960.00}? They are not for sure. Still when I have paid them {$1400.00} plus XX/XX/XXXX I called and paid {$40.00}. For XXXX payment. It should be paid off with no balance. I am not late .never have been and have proof of every receipt since XXXX XXXX
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
100XX
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.
09/04/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
AZ
85711
Web
I have had a XXXX XXXX card for the last 10 years and have been impacted by the Comenity outage. For at least a month from end of XXXX until about XXXX beginning, I was unable to log in or view any of my account information. My card would also periodically decline for no reason at random during the 1st week of outage. This outage was handled absolutely terribly by Comenity and parent Bread Financial and literally no info was given about what happened or timetables. ( There still hasn't been any information provided by the companies other than failed planned maintenance ) They also proceeded to cut and paste insulting, non-informative, unhelpful, canned responses all over their social media outlets in an unethical manner to inquiries from customers. At this same time, they disabled the telephone customer service with no explanation, and it would just disconnect you when calling in for weeks. These responses were seemingly on top of not having proper upgrade release testing and disaster recovery plans in place to prevent or resolve the outage.
Fast forward to current time in XXXX. The XXXX reward points program that Comenity normally sends daily to XXXX XXXX has been COMPLETELY NON-FUNCTIONAL for almost 3 months. I am owed XXXX points that are stuck in limbo somewhere over this nearly 3 month timespan since the outage. I have received no info about anything except 1 email probably a month or more ago saying " We're working it. '' Credit consumers are part of an industry where credit companies will take any and every reporting opportunity to put black marks on your credit history for paying late one time, closing an account, inquiring about a new account, coughing too loudly, etc... These same credit companies should not be allowed to say or do anything they want without care or worry, have multi month outages, and fail on their obligations to provide services you've entered into agreement with them to provide, with no penalties or explanations.
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! )
08/02/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NY
11779
Web
I ( XXXX XXXX ) opened a credit card with XXXX XXXX XXXX Commenity Bank card on XX/XX/XXXX. I made a purchase of XXXX that day. I paid XXXX 's via online banking through XXXX on XX/XX/XXXX. My billing period, is due every month on the XXXX. In XX/XX/XXXX, I received a late fee bill for {$30.00}. I paid the {$30.00} via XXXX banking on XX/XX/XXXX. Then in the month of XX/XX/XXXX, I received a bill for XXXX dollars with another additional late fee. I then called XXXX 's XXXX XXXX # and was told that they never received a late fee payment. I offered to send over my bank statement to prove that I had, and they refused. I then asked to speak with a supervisor and was disconnected several times during this call. One of the workers I talked to was able to refund the initial late fee payment, after agreeing that my original payment on XX/XX/XXXX for {$42.00} was not late to begin ( as per banking this refund was post dated on XX/XX/XXXX ). I was then told that the second late fee would not be waived ( despite not having a balance which would constitute not payment due ). I now monthly continue to get a bill from XXXX and have called monthly to dispute with resolve. I will often ask for a supervisor and will be hung up on or placed on a hold and then disconnected. I last called XXXX 's on XX/XX/XXXX. I was on the phone with 4 different representatives whom refused to tell me there name and when asked for a supervisor would disconnect me. I did ask to close out my account and I also called XXXX 's Beauty Supply Costumer Service who said they can not help as it is through Commenity Bank. Today, XX/XX/XXXX, I received a bill for now {$130.00}. It should be noted that I did not make any other charges to this card aside from original purchase date. I am at a loss and do not know what to do. I filed a compliant on better business burerau and have not heard back. I am being falsely charged and I am in need of support. Please assist. Thank you for your time.
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
XXXXX
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.
11/07/2022
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
NV
89139
Web
Discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX and XXXX credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX credit bureau are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, 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 my 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 creditor CB/AVENUE XXXX XXXX XXXX XXXX XX/XX/2015 Balance : {$0.00}
07/24/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
IL
61350
Web
On XX/XX/2023, I made an online purchase of {$25.00} with XXXX XXXX.
On XX/XX/2023, an automatic payment of {$25.00} was made to bring the account to {$0.00}.
I received a letter from Comenity that my automatic payment was returned and that I had a balance of {$25.00}. My financial institution informed me that Comenity bank had my payment returned back to them. Per my financial institution, I also had sufficient funds in my checking account to cover that payment. ( Please see letter from my financial institution ).
Besides reversing the {$25.00} payment, Comenity charged me another {$25.00} late fee on XX/XX/2023 as well as a minimum finance charge in the amount of {$1.00} as well as another {$0.00} for finance charges.
Then on XX/XX/2023, Comenity charged another {$25.00} returned check fee along with {$0.00} financial charges.
Then a payment of {$25.00} was applied to my account on XX/XX/2023. Another payment of {$25.00} was applied on XX/XX/2023. At that time, I should have had a positive balance on the account.
However, on XX/XX/2023, Comenity did a payment adjustment in the amount of {$25.00} when I called and spoke to a supervisor to dispute their error. On XX/XX/2023, finance charges in the amount of {$4.00} was refunded. My balance should have been XXXX.
Then, on XX/XX/2023, Comenity charged me a late fee of {$29.00}, on a balance. I was under the impression that everything was taken care of.
On XX/XX/2023, Comenity charged me minimum interest charges {$2.00}.
Then, on XX/XX/2023, I finally received a letter from Comenity that they were unable to resolve the dispute. They asked me to provide a letter from my bank indicating that they did not return the payment ( a copy of which is attached ).
Now I logged into my account and found that the balance on my account is {$58.00}. I immediately called Comenity and asked to speak with a supervisor. No supervisor was available.
I should have NO balance on this account.
01/17/2023
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
20774
Web
I have been calling over XXXX to try to receive a refund for merchandise I returned back in XXXXXXXX to New York & Co in which I used my store card to purchase. The company has pulled tracking info & acknowledge the XXXX items were received at their warehouse but returned never processed. Each time I call they tell me a refund transaction in the amount of {$210.00} is being processed & I should get an email confirmation in a few days. I never receive anything & supposedly the process starts over. I asked to with supervisors, none are ever available. I even filed a dispute with Comenity bank who resides over the NY & Co credit card, I gave dates, times, item # & amounts on XXXX with a mgr, XXXX. I called to follow up the claim a week later and find out it was close the same day I opened it on XXXX. They are now stalling asking me to mail in the exact details already given when XXXX sure the paper documents will never be seen or investigated the same way all my previous claims have ignored. I filed a complaint with XXXX on XXXX, it was closed on XXXX because NY & Co never responded. New York & Co has numerous complaints of the same nature from various consumers on their XXXX. This company needs to be invested from fraud especially since there was talks of bankruptcy not too long ago.
Details of my Dispute : Order # XXXX Items Returned : XXXXXXXX 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 Notes of my calls since I started documenting : XXXX return {$210.00} refund amount spoke with rep Mark XX/XX/28 at XXXX, XXXX with rep XXXX XXXX, no update will schedule task & update me tomorrow, spoke XXXX from Comedity bank filed dispute on XXXX XXXX XXXX will give message to supervisor to XXXX will also process another request for refund XXXX filed another dispute with bank prior claim was opened on XXXX & closed on XXXX
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
334XX
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.
09/14/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Problem with a company's investigation into an existing problem
Problem with personal statement of dispute
NE
68803
Web
There are 3 problems. First this company has made accessing accounts online difficult. The reason for this that comenity Bank only has a single domain name. Ie. D.comenity.com/ whatever lineofcredit. This compromises the clients online security by forcing an individual to memorize their user name and password, keeping all comenity usernames and passwords the same ( very comprising ), or by having previous knowledge of this problem and choosing different user names that include the channel of credit ( ie. XXXX XXXX XXXX ) .password keeping apps that are encrypted and safe to use do not recognize diffrent channels of credit because the domain name is the same for all channels of credit regardless of any sublocations ( XXXX XXXX ) If there is any additional noise in the background you are unable to use the phone system to make a payment. They have been made aware of this issue through several of my phone calls ( after finally getting to a person, not being hung up on ) The second issue is that their payment systems have not been able to be accessed to make a payment at all multiple times throughout this year. Either being unable to log into any accounts all together or just unable to load any navigation beyond the landing screen. There was even a notice that was sent out that they would be making their payment processing system available as soon as possible without giving any leeway for lateness. I believe from the time that I noticed, there was going to be no account access for payment processing and the time the issue was remedied for about month, it was 2 weeks. Comenity then discontinued business with floor and decor as of XXXX XXXX. They added charges to my account that converted it revolving account and closed my account. They told me that even though I'm an authorized user on the card I was not allowed to speak with them about the account. I was told by 2 associates that I instead needed to call synchrony bank ( which was incorrect ).
11/04/2022
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
NY
147XX
Web
I opened a credit card with Lane Bryant ( Comenity Bank ) around XX/XX/2022. I never received the credit card in the mail, so I have been unable to set up my online account. They began calling me shortly after repetitively about the debt, numerous phone calls every day. Even after setting up my first payment I received another phone call about the debt just days after setting up the payment. During the summer I called their help line and paid off the debt and requested another card be sent to me so I could set up my online account. A couple weeks later I received a letter in the mail from the company telling me that my request for a new card had been denied, so I am still unable to set up an online account so that I can monitor the debt and make payments on it. While I have not used the card since paying off the debt this summer, somehow more debt has built on the card. Now I receive many phonecalls throughout the day. The first week they started calling me I had over XXXX phone calls from different numbers, and upon blocking several of them they began calling from private numbers that could not be blocked. They have been calling like this none stop ever since. Just this morning ( XX/XX/2022 ) I had XXXX phone calls before before XXXX. They call at all hours during the day disrupting my work and sleep. These calls have been coming in this manner for over a month now. I would set up an online account to pay my debt but the company has denied me the ability to do so, and I have not even received the credit card I signed up for, which was discussed with a company representative when I paid off the debt this summer, but I still have not received the item which is rightfully mine. Calling the company to pay the debt this summer was a very difficult process involving long wait times on the phone and a language barrier with the agent that made it difficult to resolve the debt.
They have also sent me texts on top of all the constant phone calls.
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
170XX
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.
09/20/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
FL
34606
Web
The following corporation Comenity Bank XXXX XXXX XXXX and XXXX XXXX is reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. XXXX is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately.
According to XXXX 's own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. Comenity Bank XXXX XXXX XXXX and XXXX XXXX must remove delete all income ie 1099c from being reported to my credit reports In summary it is abundantly clear to all parties that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as Comenity BanXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX themselves should not be reporting income. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a CRB to be included in your consumer credit report
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
068XX
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
305XX
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.
12/10/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
MI
48044
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the
consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S. Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.
Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.
Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes.
ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name XXXX as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA.
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified.
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE.
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
03/31/2022
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
CA
XXXXX
Web
Older American
XX/XX/22 : Was alerted by a bank that someone had made an inquiry into my credit. I checked the bank website and learned that the inquiry was from Comenity Bank/Victoria 's Secret. I had not applied for credit with that entity. I placed a one-year fraud alert on my credit report via XXXX, triggering fraud alerts on XXXX and XXXX.
XX/XX/22 : Received a Victoria 's Secret credit card in the mail. I wondered whether it was just an unsolicited card and pondered how to dispose of it.
XX/XX/22 : Received a bill from Comenity-Victoria 's Secret for {$800.00} in Victoria 's Secret purchases. Transactions were as follows : XX/XX/22 : XXXXXXXX XXXX, # XXXX ( store number, I gather ), {$5.00} XX/XX/22 : Same location, {$550.00} XX/XX/22 : XXXX XXXXXXXX XXXX # XXXX, {$240.00} Note that I live far from either of those states and was in neither of them at those times.
XX/XX/22 : Phoned Comenity/Victoria 's Secret at ( XXXX ) XXXX to report the fraudulent opening and fraudulent use of a credit card in my name. The representative asked whether I had my driver 's license with me ( which I did ), because in all three instances it was noted that the user of the fraudulently opened account had shown a driver 's license to verify identity. The representative said the credit card would be disabled and an investigation would ensue, which could take up to 90 days. He also said that in a couple of weeks I could call the fraud line at ( XXXX ) XXXX and obtain a case number.
XX/XX/22 : Went into XXXXXXXX XXXX website and saw that my credit score had declined, apparently as a result of the opening of the Victoria 's Secret card account and the {$800.00} purchase. Contacted XXXX XXXX ID theft line at ( XXXX ) XXXX and communicated with an automated system. It said it would add a one-year fraud alert to my credit report that would apply to all three credit bureaus. ( Not sure what that means given that I already had set up a one-year fraud alert. )
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. )
01/02/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
PA
152XX
Web
XXXX. I was carrying two promotional 6 month no interest balances on the card. The first balance was {$5200.00} and the second balance was {$3300.00}.
XXXX. The XXXX statement indicated that a minimum payment of {$87.00} was due by XX/XX/XXXX/2022. The statement also indicated, in prominent red all cap typeface : " YOU MUST PAY THE BALANCE OF {$5200.00} OF YOUR PLAN XXXX XXXX XXXX XXXX LOW PMT IN FULL BY XX/XX/XXXX22 TO AVOID PAYING ACCRUED INTEREST CHARGES. '' XXXX. The XXXX statement does not include language to the effect that the plan balance of {$5200.00} and the minimum payment of {$87.00} had to be made. I thus was led to believe that the payment of the plan balance would satisfy the minimum payment amount.
XXXX. As indicated on the XXXX statement, I made a payment of {$5200.00} on XX/XX/XXXX2022 ( the payment due date ). The XXXX statement nonetheless included accrued interest in the amount of {$1000.00}, even though my payment was a greater amount than the minimum payment due and was enough to satisfy the outstanding balance on the promotional amount due on XX/XX/XXXX 2022.
XXXX. I spoke with XXXX on XX/XX/XXXX, 2022 and XXXX 's position is that I was required to pay the promotional plan amount due plus the minimum fee due to avoid interest charges, despite the plain language in the XXXX statement that I only needed to pay the {$5200.00} to avoid interest payments.
XXXX. The XXXX statement was deceptive in its language because it does not indicate that two amounts ( the plan balance plus the minimum payment amount ) needed to be paid to avoid interest charges. Also, XXXX did add such language to the XXXX statement concerning making both payments to avoid interest charges, but it was too late. This deception creates a trap for unwary consumers. I will also note that XXXX did not charge a late fee of {$41.00} even though its position is that the minimum payment amount was not paid by the due date of XX/XX/XXXX, 2022.
08/03/2023
Yes
Checking or savings account
Checking account
Managing an account
Funds not handled or disbursed as instructed
CA
XXXXX
Web
On XX/XX/2023, I initiated a phone call to XXXX XXXX XXXX XXXX. I informed the agent I wanted to pay my XXXX which was {$260.00}. The agent then advised me that I have an upcoming payment on my Victoria Secret Credit Card. I explained to the agent I have an automatic payment on that account. She advised me okay and would take the payment of {$260.00}, I was provided a confirmation number for the payment XXXX. The phone call took longer than usual to do a payment by phone, I even asked the agent if everything was okay, she said yes. I went about my day after I hung up with her.
Yesterday, morning XX/XX/2023 I was devastated to find out the woman made an unauthorized payment of {$1800.00} to Victoria Secret credit card. I immediately called Victoria Secret to advise this was NOT authorized. I began calling at XXXX and did not end calling until XXXX to get this resolved. They advised me if it was their fault, it would take 18 days for me to " possibly be reimbursed. '' If the managers would have pulled the calls, they would have heard me on the phone NOT GIVING AUTHORIZATION FOR THIS. One agent did advise me, that I could go to my bank get a letter from the bank on the bank 's letterhead showing that the funds were taken, and I did not put a stop payment on the funds ( my bank could not do that anyways because it was an electronic payment ). I had the bank fax XXXX XXXX confirming the information. As of the writing fo this report I have not heard back from the credit card company. Thankfully, XXXX XXXX has opened a claim in regard to my money being taken from my checking account. However, I am a single working mom, and this was all my funds I had in my account to prepare my child for school. I need help with this matter as I feel what the agent did was not only morally wrong but illegal as well. If I would have done this, I would be facing charges in California. I had to miss a day of work to make phone calls and go to my bank.
01/17/2023
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
FL
33021
Web
XXXX XX/XX/XXXX I signed a XXXX XXXX ( XXXX ) with XXXXXXXX XXXX XXXX for {$3500.00} and XXXX opened a Credit Card on my behalf with XXXX Bank to make the payment.
- I cancelled the contract on XX/XX/XXXX sending a mail to Account XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada, XXXX as indicated in the contract XXXX. XXXX was received.
-On XX/XX/XXXX I got a letter in the mail from XXXX were I was informed they had completed my request to rescind the contract XXXX and that any payment was refunded in the same manner it was paid.
XXXX contacted XXXX Bank XXXX inform about this but due to the time of the letter ( XX/XX/XXXX ) I still made the first payment on XX/XX/XXXX.
-In XX/XX/XXXX they opened a claim and put a freeze on my account.
XXXX XXXX I mailed to Comenity Capital Bank XXXX XXXX XXXX XXXX, XXXX XXXX OH, XXXX the letter I sent to rescind the contract, the letter I received from XXXX the rescind the contract and copy of the contract so they could check that everything was done within the time.
- I also messaged them through Message Center and uploaded all documents sent via mail.
-Comenity still have the balance of {$3400.00} open on the account and has not provided any updates on the investigation.
XXXX XXXX says I owe a money XXXX says has already refunded in XXXX and that I have provided proof of it.
XXXX got a letter in the mail in XX/XX/XXXX stating that a credit was not applied to my account for a canceled order and that they were not able to verify that the cancellation was made. They are asking me to send the confirmation I received. I have provided all documents stated above ( the letter I sent to rescind the contract, the letter I received from XXXX the rescind the contract and copy of the contract so they could check that everything was done within the time ).
-Comenity is now charging the monthly balance for a contract that was canceled and like the investigation didn't go through.
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.
01/20/2023
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
60142
Web
XX/XX/2022 I opened a Comenity Victoria 's Secret Mastercard and made a purchase in-store with the card for {$21.00}. Approximately 10 days later I receive the Victoria 's Secret Mastercard in the mail including my balance, account number and my personal information. The invoice asks me to call to activate the card. I call to activate the card and they state they do not have my information in their database. ( 60 minutes on phone ) They stated they were having technical difficulties in locating my information but did find my application and approval in the system. I called them 3 times to activate and attempt to make a payment ( 60 minutes each ) on my original invoice on the card. I still can't activate this card and they said I can not make a payment because they can not locate my account. I have excellent credit and monitor my credit. They can not find my account but reported this card as active with a balance to the credit bureaus and sent me another statement with interest and late payment to my house. I sent a check in twice and they cashed my checks but did not allocate to my balance because they still can't locate my account. I can not even cancel this card because they told me they can't find my records. On XX/XX/2022, a supervisor was on the phone with me stating that they are having computer difficulties and he would have an IT ticket created to fix the issue. I called on XX/XX/XXXX and they were angry with me for calling and asking for a supervisor and have not resolved the issue.
I have a card I can not activate, cancel, or make a payment on and they are reporting this to the credit agencies as well as late fees and interest. I have sent them and they cashed checks to an account they cant find. I am almost ready to buy a car and this bank may ruin my great credit scores and my ability to make a purchase at no fault of my own. THIS IS FRAUD. They should be liable for my damages. They will not help me at all.
12/17/2022
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
Their investigation did not fix an error on your report
SC
291XX
Web
I have requested proof of validation for this account XX/XX/XXXX via writing to all credit bureaus & XX/XX/XXXX via CFPB but still have not received it. The creditor is reporting as a Charge Off on my Consumer Report but has reported to the IRS as a Write-Off. According to US Code 15 US 1681 ( e ) ( b ) and US Code 15 US 1681 S-2 ( a ) ( 1 ) ( a ), my rights as a consumer have been violated. This creditor is reporting this Income monthly on my credit report negatively yet Ive never received any information of a 1099 c documents of the write off or a validation in my investigation. Despite disputing through the credit bureaus and the CFPB has reported said creditor to the FDIC but still no response. In 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In 15 U.S.C 1681 section 602 A. States I have the right to privacy. Also in 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to FCRA 611 ( a ) ( 7 ), I have the right to a description of the reinvestigation procedure. The consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. I also have the right to request the proof of the chain of title ownership of alleged debt youre reporting on my consumer report with a signed agreement with MY signature.
I have been courteous by giving you a reasonable amount of time ( 30 days ) with the first 2 investigations. I am now demanding a Cease and Desist 15 USC 1692c of all collection activity with the credit bureaus while under investigation along with requested evidence no later than 15 days after receiving this request.
02/26/2023
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
FL
32526
Web
Back in XXXX of XXXX, I received an alert from the credit bureau XXXX that I got an inquiry from ComenityXXXX XXXX At the time I was at work and knew there was something wrong. I immediately disputed this inquiry with XXXX and put a credit freeze on my accounts. Then I called Comenity customer care to find out how this happen, and why is there a credit card opened in my name at a place I do not shop at. Their customer care rep said they will place my account in the investigation for the {$470.00} that was spent on this fraudulent account. It was then they told me that someone made an in-store purchase in XXXX, PA. But I lived in Florida and did not leave the state that month. Two months later, I still receive statements for this credit card I did not open. I called back to find out why, and they said the first time was only a fraudulent charge dispute, not a fraudulent account. And then proceeded to make excuses as to why that occurred. Finally said they will investigate and told me I will not be responsible for any charges that occurred while they are investigating. XX/XX/XXXX, I finally got some reply in the mail from them and their result was that my dispute was not found and lacked support. Great so what evidence did they have of me opening this said account and making said purchases in PA when I was in FL? I beg to differ on this resolution. To add insult to injury they also included a letter stating that if I am having trouble making payments, they can help. Help me pay for a fraudulent charge on a fake account? Please use common sense, would you in my shoes accept that? Comenity Capital Bank, have a human being who is close or near to a supervisor/manager role call me and discuss what evidence you require to prove I did not create this account nor did I make the purchases. Please reach the data breach letter from XXXX that I believe is how my information got leaked but I never gave my information out to anyone.
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
346XX
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
795XX
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,
11/16/2022
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
MD
20774
Web
Older American, Servicemember
XXXX XX/XX/21 I made a purchase from XXXX for {$150.00}. On XX/XX/21 I contacted as the item had not been received and was told it had been delivered previously. I informed XXXX that I had not received the items. XXXX made suggestions to ask my neighbors if one of them may have picked it up. That would not have happened and they would not turn the packet over. The next day I called again and once more I spoke with XXXX who was rude and disrespected me like a common thief- she said the only way to get credit is to sign an Affidavit- The form was sent while I was away- A series of phone calls were made to them denying receipt of the affidavit. XX/XX/21 I sent a 2nd copy and followed up with a string of phone calls- again, they had not received any of the XXXX copies. XX/XX/21, XXXX and XX/XX/21 XXXX said they did receive the document, but nothing could be done pass XX/XX/21. Not once during any of the phone conversations was I told there was a deadline. I contacted and filed a report with the Attorney General 's office and they intervened on my behalf trying to resolve the issue- to no avail. XXXX XXXX XXXX XXXX and Comenity Bank. The bill is now {$490.00} or thereabout with no resolution. I have copies of the correspondences with myself, the Attorney General Office, XXXX, XXXX XXXX, and Comenity BankXXXX They are stating that I am responsible for the item once it has been mailed ; how can I be held responsible for something that I did not get. Further, the affidavit did not state a deadline to return the form. Recent correspondence received indicated that they had indeed received the 1st copy which they stated was unsigned. Yet all the time they were denied receiving any documentation. It took 58 days from Maryland to get these 2 copies to Texas. Am I to believe that our USPS is so broken. I would appreciate some assistance in resolving this matter. By their own admission 105 days I find that very difficult to accept.
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.
08/15/2022
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
OK
XXXXX
Web
My husband and I opened a high yield money market account with Bread XXXX. We both moved our savings accounts over to Bread XXXX and combined our savings into a single account. We made XXXX large transfers into Bread XXXX and a few smaller transfers. We wanted to earn the best rate on our funds.
We opened the account online on XX/XX/XXXX. The first large transfer was made on XX/XX/XXXX for {$75000.00}. The second large transfer for approx. {$73000.00} deposited on XX/XX/XXXX. On XX/XX/XXXX our account was placed on Restricted Status. We received a message through their online portal to call and ask for Account Protection. I did as instructed in an attempt to clear up the fraud flag. But this is the problem- I have done everything I was asked to and still can not get anyone to assist me. I keep getting transferred from person to person ; department to department. No one will help or can help. My life savings is held up with no access to the funds. I want to close the account, but I am not being allowed to because funds are Restricted. I feel like they have stolen our money, are holding it from us, and not offering us any avenue to get the account un-restricted or cleared up.
The limit for incoming ACH transfers was {>= $1,000,000}. Our transfers, of course, are well below this threshold. We added the funding accounts through online banking and went through the verification process via micro deposits. The accounts involved are all the same account ownership. Bread XXXX had no problem taking funds in, but are making it literally impossible to get access to funds. It is unacceptable to me to Restrict accounts, but then have a way for clients to seek assistance of what needs done.
We have been on hold for hours. This is our life savings and now I am extremely nervous and worried. I am absolutely sick. I want to be allowed to close my account and move our funds out to a different bank. Please help me get our funds.
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.
10/10/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Credit monitoring or identity theft protection services
Problem canceling credit monitoring or identify theft protection service
NJ
08817
Web
My credit report shows an account with amount past due more than 150 days.
The account is of ComenityCB/XXXX.
1 ) When connected with XXXX as well as XXXX, I was informed that I had used the card in XX/XX/XXXX- where as I left USA in XX/XX/XXXX and have returned back in USA on XXXX XX/XX/XXXX. I wasn't in the country when they are claiming that I had used the card. How can I use the card?
2 ) when was the credit card applied and issued?
3 ) which documents were submitted for card application?
4 ) were the submitted documents / mobile number verified? nowadays due to digital anyone can create fake documents.
5 ) which products were purchased and how? ( instore OR online ) 6 ) was it delivered? if yes, then where - share the address and proof of delivery ( XXXX or USPS or XXXX or etc... )?
Please share photocopy of all the above documents.
Since XX/XX/XXXX, I connected multiple times with XXXX as well as XXXX XXXX cards, and also gave them all of my details including SSN number, Name, all previous addresses, phone numbers, etc as they werent able to pull up my account with only SSN number. still, no positive update.
In my life I have never unpaid anyone for which I am liable ; also, I do NOT wish to pay anyone for which I am NOT liable.
This is a pure case of charges imposing on wrong person - whatsoever the reason may be.
I request you to please look into this seriously. People like me trust the CFPB authorities to get the honest solution.
due to this my credit score has been impacted badly and my insurance cost and all others have increased drastically. Even my bank is not willing to give me credit card. I am okay to continue without credit card but looking for serious justice and compensation for this harrassment.
According to me I dont have any relation/ transactions with XXXX XXXX XXXX / XXXX and hence there is nothing that i can upload. also, hence the claimed charges are null and void.
09/21/2023
Yes
Credit card
General-purpose credit card or charge card
Fees or interest
Problem with fees
MI
48187
Web
XX/XX/XXXX {$500.00} Purchased with in store credit card offered at Ulta Beauty with Comenity Bank XX/XX/XXXX Called Credit Card to repot that a statement had not been received and make payment for the complete balance XX/XX/XXXX Comenity Agent took payment and removed late fees/interest one time due to statement receipt issue XX/XX/XXXX {$3.00} interest charge was added to the account without my knowledge or agreement ( apparently as daily interest, without informing me at the time of payment ) - No additional purchase had been made since XX/XX/XXXX ( balance paid on XX/XX/XXXX ) - Comenity continued to charge interest and late fees on this {$3.00} interest charge in XXXX and XXXX.
- XXXX - after realizing what was happening, I contacted a bank supervisor to inform of problem, they reviewed phone conversations from XX/XX/XXXX and confirmed that no information was provided regarding additional late fees to be charged after full payment was made on that day. Supervisor was to review with management and seek credit to close issue.
- Called back XXXX more times and was told after another review they can not help and that would still be responsible for all interest and fees, however they would again escalate to Sr. Management - Called back on XX/XX/XXXX- they still would not waive these fees but offered a {$10.00} credit, I reluctantly agreed only to close the issue and I paid the balance. Agent said wait XXXX for statement to reflect XXXX balance.
- Called back on XX/XX/XXXX to confirm XXXX balance and learned I was charged another late fee and interest for XXXX - unbelievable!
I maintain very good credit and pay bills on-time each month. What this company is doing needs to be investigated. Although this is a small amount, the premise surrounding the charges is extremely egregious and misleading. If this is happening across all of their customers, they are fraudulently misleading and profiting from the public.
07/26/2023
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
NV
XXXXX
Web
Older American
On XX/XX/2023 I signed into my XXXX account which has my credit card on file and noticed fraudulent charges. I am mediately notified XXXX and told them to cancel these fraudulent Purchases, That were made online and were being shipped. They told me to contact my credit card company. I immediately notified COMENITY capital Bank my credit card holder. After her reporting the fraud, my credit card was canceled a new one was issued. Comenity capital bank told me not to worry these are fraudulent charges I would not be held responsible. Even so I notified XXXX and XXXX and told them of these fraudulent purchases they both told me that they could not cancel the shipment only the center XXXX could do that! They would not tell me the address these items were being sent to but they did confirm it was my ZIP Code but not my address. I noticed that the company The items was being ordered from was called the way well and try to find them on the Internet I could not find this company however through XXXX I was allowed to contact them as a third-party I informed them that these were fraudulent purchases coming from their company and being sent to a fraudulent address! They never responded. I also contacted XXXX XXXX XXXX and Comenity bank via XXXX. Trying to stop these fraudulent purchases before they were sent as they were purchased online in a week went by before these were actually sent. {$150.00} / {$190.00} / {$190.00} after constantly worrying and much time trying to stop these fraudulent purchases Comenity capital bank sent me a letter in XXXX stating I would actually be responsible for all these charges! This is absolutely outrageous and everyone had time to stop the shipment before it happened I did nothing. I am a senior citizen on a fixed income and I refuse to pay for items I did not purchase. Needless to say I no longer have a wallet account with an online credit card at XXXX or anywhere else after this incident.
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
XXXXX
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.
08/01/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
VA
238XX
Web
In XXXX, my mother, who lives at the same address, sent a letter to Comenity Bank, indicating that she wanted to close her XXXXXXXX XXXX Card. Unfortunately, we have sold our home since that time and are in temporary housing and we can not locate a copy of the letter. However, Comenity Bank should have a copy of the letter in their files.
I have made some attempts to order through the XXXX website which were unsuccessful. I kept getting a Token mismatch error, which I thought was a website problem. Finally, a XXXX representative told me to call the credit card company. It took me a couple of weeks to do so due to the fact that I was in the middle of selling my house and vacating the premises. When I inquired of Comenity, they told me that my card was shut down.
At that point, I knew that they had mixed up my mom 's request to shut down her card, and had shut down my card instead.
I asked them to reopen my card. Comenity says they can't do this. I will have to reapply for a new card. I will lose all my status with XXXX ( free shipping, points status, etc. ) A new card is not the same as my old card. This is not apples to apples.
This is Comenity 's mistake. My mom 's letter contained her name and credit card number. There is NO reason why my card should have been shut down. I have been a 15 year customer for Comenity. Also, my Mom 's account, is still open and she wanted it closed down.
( Now, I wish that I had realized Comenity 's mistake earlier, but I had a good deal going on in my personal life with selling and buying a house and moving from XXXX state to another. Comenity seems to blame this on me, because I should have notified them earlier. I think that is very poor customer service. ) I did talk to a nice manager, XXXX, today, but she was unable to offer any guarantee that the issue would be resolved favorably. This needs to go to an executive to be resolved, so I am filing the CFPB complaint.
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
07/02/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
VA
20176
Web
I have a XXXX store credit card run through Commenity bank. My bill is due the XXXX of every month that I make purchases. Its so rare that I dont have autopay set up and I prefer to physically go in and pay the bill. I went in on XX/XX/2022 and saw this big red message about a system update failure and to try their new easy pay system. It claims you dont need a login to pay bills and such. Well that didnt even work. So then I try to login regularly, didnt work. I tried calling and then got an automated message about the system update, using easy pay, and then all staff are busy please call at a later time followed by a hangup. Want to chat with someone online? Have to login to do that. Their owner company is Bread XXXX. Called them. Same exact automated message. Thats when I went to XXXX. And found all threads through XXXX and all the consumers having the exact same problem. Heres the thing : at this time, they were only claiming to waive late fees if your payment was due XX/XX/XXXX & XXXX. That did me no good with a XX/XX/XXXX payment. They kept advising to call or make a payment with easy pay, neither of which work. A lot of speculation regarding a hack vs a system update. Regardless, they needed better communication. It wasnt until today, XX/XX/XXXX, that they said payments through XXXX XXXX will have waived late fees and wont effect your credit. Thats too late. They have not communicated effectively with what has gone on. Its effected consumers, retailers, and average creditors. When it comes to my finances I deserve to know exactly what has happened and to lose all capabilities for more than a week, during the time most bills are due, is too suspicious. And I know that if it was a system upgrade, there is way to default to the old system should the new one not work properly - just to keep things running. Im considering cancelling my credit card simply because I no longer trust this bank to handle it.
03/03/2022
Yes
Debt collection
Medical debt
Attempts to collect debt not owed
Debt is not yours
CA
926XX
Web
Went to XXXX XXXX XXXX for a specific toothache. After my visit they found issues that needed to be taken care of. However their plan would cost more money then I had. I have dental insurance. They said it would not be enough to cover so they had me sign paperwork and sign a form for XXXX XXXX. That got denied. I guess they found XXXX XXXX patient services. I dont recall signing an authorization for this particular institution but notified me that I had been approved for {$5000.00}. I told the dentist that we had to exhaust all other options first. I never received a notice of approval nothing. So I never used this credit line nor did I know how. I explained to the dentist that we would have to treat every appointment separately Because I could not get into debt for XXXX during an epidemic, I was losing my job and I knew I could not afford the payment. So I would pay as I go weather its with insurance or my personal funds. Next thing I know Im getting collection calls. The entire XXXX k was sent to the dentist. How is that even legal. I never received anything regarding this credit line I didnt know what payments were going to be or when they would be due. I talked to the dentist I told them I never said to use that credit line and you guys have not even fixed my original toothache. So I never returned. Now my credit is showing late payments for months the balance is over XXXX with late fees. I was working so hard rebuilding my credit and now they have put me in a even worse spot. I dont know how they can get away with 1. Releasing funds to a dentist who did not have my authorization to use funds. 2. I did not sign paperwork this company. I had no idea of the terms or how to use the credit line. I dont know who XXXX XXXX is I dont even think I have an application with them or signed an authorization for them. They want me to make payments I cant even afford. Ruining my credit. I dont know what more to do.
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
XXXXX
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
988XX
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.
12/15/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
NC
28079
Web
On XX/XX/XXXX I paid my {$950.00} balance in full and on time as usual to XXXX XXXX Comenity Bank and it STILL has not been credited to my account. I never had a problem until then and have recently provided them evidence of successful payments as far back as XX/XX/XXXX utilizing XXXX XXXX online XXXX XXXX. I followed their dispute procedures providing adequate proof of payment and 90 days to the day of allowable length of time to resolve the dispute they claim they still can not locate my payment.
I had a lengthy 3-way recorded phone conversation on XX/XX/XXXX with a Comenity customer service supervisor with a XXXX XXXX representative also in attendance.
The Comenity supervisor indicated that the payment was likely lost when Comenity transferred over to their new system around XX/XX/XXXX which likely failed to recognize my old account number in use until then, but it did not return the funds to XXXX XXXX, they dissapeared. She also indicated that since that is the case, I should be credited for the payment, reimbursed for the late fee and any interest accrued since I continue to make minimum payments on the disputed amount to preserve my excellent credit. Despite acknowledging responsibility through her explanation, she inexplicably demanded that we call back and file yet another dispute, wait another 90 days and insisted my only proof of payment remained inadequate. I have provided all the evidence of payment available to me through their website and have mailed the same to their address in XXXX Ohio. Their is no check image since the payment was electronic indicating Paid. Additionally, several Comenity customer service representatives cited their system transfer or changeover issue as the reason for my lost payment back in the Fall when I initially tried to resolve this earlier before filing the failed dispute and encouraged me to give them several weeks to resolve their issues. I'm still waiting.
08/24/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Can't close your account
FL
32707
Web
Comenity Bank had someone elses payments and transactions posted on my account on XX/XX/XXXX. I called them but the CSR could not understand what I was telling him. He kept asking me if it was fraud. It was not fraud, it was an account problem where what I was seeing online was not my information. He finally gave me the IT department number. Of course, no one would answer the phone. I finally resorted to contacting Comenity Bank through their online Secure Messaging. I had a very generic response within 24 hours stating the request had been forwarded to the correct department. I have received no communication from them since XX/XX/XXXX. As I am very concerned about the state of their online security I assume someone else was able to see my payments and transactions I started requesting them to close my account on XX/XX/XXXX through their " secure '' messaging. They will not allow you to close an account online. I dont have hours to spend waiting on hold, so I have requested they close my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have had no response from them nor has my account been closed. I am very unhappy with this bank. I have had the Sony credit card for years and closing the account will reduce my credit score. However, when the card was transferred to the control of Comenity Bank there have been constant website outages, the inability to access my account online, and the card declined at various brick-and-mortar stores ( where the card was presented in person and I had a large available credit balance ) with no explanation when I called the number on the back of the card, etc. Their customer service is non-existent. I can no longer tolerate the ineptness of this bank. I am upset my personal information may have been compromised ( with no explanation or even an apology ) and my credit score has to take a hit because of their incompetence. Please help.
04/10/2023
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
MI
48842
Web
On XX/XX/XXXX, I applied and was granted a credit card via Comenity Bank for Kay Jeweler. The next day, XX/XX/XXXX, we spent about one hour shopping in the store for the perfect rings. To seal the deal the rings were 60 percent off. We were elated. However, my joy was quickly deflated when the salesman checking me out informed me that my account had been suspended by the account protection team. Having a credit score of over 800, I thought he was joking. The salesman informed me further information would be sent to me as they wanted to ensure it wasnt a fraud issue. Imagine my embarrassment!
As instructed via communication sent to my home address, I reluctantly emailed copies of XXXX ) front and back of my driver license ; XXXX ) front and back of my social security card ; and XXXX ) a copy of my Consumers Energy bill on XX/XX/XXXX. I was reluctant to send the information as I was instructed to email this SENSITIVE DATA unsecured.
Having complied with the communication, I was totally shocked when I received a final communication stating Following a review of your KAY JEWELERS credit card account and related transaction. Comenity Bank has permanently closed your credit account due to continued security concerns involving this account. I complied with what was requested of me so I called the Account Protection Team for an explanation as to why after I have supplied all the necessary information to prove/confirm I am who I say I am WHY was my account closed. The representative stated that he could not go into details he would only share that the documentation didnt meet the banks standards.
Meanwhile, this transaction has been registered on all the credit bureaus and is causing a major NEGATIVE impact on my credit score and credit history. Furthermore, I was a cardholder for over 15 years on a different account with Comenity Bank for XXXX. I maintained excellent credit with the old account for XXXX.
09/07/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
FL
33781
Web
Older American
UPDATE - THEY SENT ME A REFUND CHECK BUT NOW ARE CALLING ME ABOUT LATE PAYMENT AND INTEREST - THESE HAVE GOT TO BE THE STUPIDEST WORKERS IN THIS WORLD!!!!!!!!!!!!!! DO NOT HARRASS ME I MADE A PAYMENT ON THE XXXX OF XXXX ( details already below from a PREVIOUS COMPLAINT ) Comenity REPS numerous ones told me they would fix this. Instead they sent me a REFUND CHECK for the payment due on my account. I WANT THEM TO REVERSE ANY CHARGE ON THIS CARD SO I CAN BE DONE WITH THESE IDIOTS!!!!!!!!!!!!!!!!!!!!
In XXXX, this year, I made a purchase on my XXXX XXXX XXXX XXXX credit card that was sent to me to REPLACE the XXXX AND XXXXXXXX XXXXt separate cards. I destroyed those cards as I was asked to in the mailing of the new XXXX XXXX XXXX XXXX card sent. I have had trouble with this bank in the past for taking so long to post or not posting to correct account. AGAIN, since I knew of this trouble, I sent payment for my purchase on the XXXX of XXXX, this year. They applied it to the old account even though I had it directed to the NEW CARD NUMBER sent to me. This was only DAYS after my purchase so they would have time to POST IT to my account well within the time limit for making payment. To this date, XXXX, I have written to them in secure message, twice, I spent 45 minutes on the phone with a representative explaining the situation as they had sent me a notice that my payment was past due but is SHOWING A CREDIT BALANCE for the {$31.00} purchase I made, but they posted to THE WRONG ACCOUNT number. After speaking with the representative for the 45 minutes, he told me he understood and would fix this. That was on XX/XX/XXXX. Today I sent another message requesting my account be updated to show I am NOT PAST DUE BUT IN FACT PAID WELL BEFORE TIME. I do not plan to let this go months and months again like last time I need this corrected by them NOW. Please provide whatever assistance you can in this regard. Thank you
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.
11/03/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
DE
19702
Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX XX/XX/XXXX Transuion, XXXX Letter to remove Inaccurate Credit Information To whom this may concern, This specific letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please do me a favor and investigate as well as verify that all data for this account is reporting accurately as well as include every notion of date and balance whether reported or not.
Dispute late payment - XXXX XXXX XXXX XXXX Account starting ( XXXX ) XX/XX/XXXX XXXX, XXXX and XXXX of XXXX I would like to also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report within the last six months.
I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. It is my understanding that evidence must be provided within 15 days of the completion of your investigation. I also have read and understand that under federal law, you have 30 days to complete your investigation.
It is my understanding that you must also validate these particular items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. Iknow this must be complete within 30days of receipt of the letter, or you must remove the incorrect information.
Please be sure to send an updated copy of my credit report to the above address.
Thank you ahead of time for your time in this concerning matter.
Sincerely, XXXX XXXX XXXX SSN : ( XXXX )
08/29/2022
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
707XX
Web
I am writing a letter about a pressing request concerning a XXXX XXXX XXXX XXXX in my credit files that I would like to have revised. I received the XXXX Comenity card in XX/XX/XXXX and never missed a payment. In XX/XX/XXXX, I experienced XXXX damage to my home and was unable to live in it. I did not have Utilities or mail service. I recognize my responsibility with respect to making sure my payments are received on time and until XX/XX/XXXX, I never missed a payment, and my account was at a XXXX balance. I never made a purchase on my XXXX XXXX in XX/XX/XXXX ; therefore, when I received the call from Comenity bank collections in XX/XX/XXXX, I was in total shock. She informed me that my account was well over 45 days past due and without reviewing the charge, I immediately paid the bill to avoid any further fees and to bring my account current.
Once I was able to log in the account, I was appalled. The charge in XX/XX/XXXX was not an authorized charge. It was for a O membership that I did not give authorization to charge. I immediately called XXXX and the customer service member reversed the charge and credited my account for the {$21.00} unauthorized charge. I assumed that would correct the credit reporting issue ; however, it did not. Comenity bank issued me a refund by check for the {$21.00} because my account had a XXXX balance but did not reverse the payment history to reflect I never missed a payment.
After losing my home, I begun to shop for a mortgage, and it has come to my attention that the late notations from my XXXX card ending in XXXX has caused me to disqualify for a loan. Since those notations do not reflect my true payment history, I am requesting revise those tradelines. I have reached out to the company, sent in proof of the reversal and contacted the credit bureaus. Nothing has been done. I ask that you respond within 30 days by removing the negative mark from all credit bureaus.
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
631XX
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.
09/11/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
TX
77016
Web
Comenity Capital Bank modified all of my bureaus but lately with XXXX so Comenity Capital violated many ways such as my privacy rights and doesn't have my rights anymore because account is sold but how it is sold to XXXX and Comenity Capital still on my credit report without my written permission to furnished on my credit report it is like triple jeopardy!
I previously complained to XXXX and it is being modified but look at attached which is lot of violated in many ways with different dates, status : open, closed, last payment I do not make any paid this year that's LIE! Comenity is making my credit report " re-age '' to stay remains when it could've been deleted/removed from my credit reports by now or they should've changed to XXXX XXXX but instead they left my credit report so bad but they do not have a control to report it especially they sold the account but how they still remain as Comenity on my credit report. Third-party such as XXXX doesn't have my signed original because I do not sign contract with them or have written permission to furnished my credit reports.
In accordance with the XXXX XXXX XXXX Act.Everything has to be 100 % accurate on my credit report.
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active us inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions or consent.
15 U.S.C. 1692c states 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
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
344XX
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
194XX
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
208XX
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.
08/01/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NY
11377
Web
I recently open a children place credit card and have been charge XXXX late fees.
My credit card is due on the XXXX of each month. In XXXX This was my first time making a payment and hadnt realized I missed my due date by 4 days I was I was paying through the mobile app because the telephone service was already close and that in itself was a very frustrating process because the app makes it very difficult to even find manage credit card payment they put it in the smallest font ever and you have to create another account username and sign in to make the payment in addition to the regular app I thought I was going to be in a 10day grace period or that the late fee was already added so I paid the full statement balance. The following month I didnt even realize I had a balance and just had happen to check my mobile app on the actual due date of the XXXX so Immediately made the payment now I see I was charge ANOTHER late payment because they said I had to make the payment by XXXX. This is unreasonable and unrealistic for a new mom that works from XXXX to XXXX most days I have perfect payment history and had a XXXX credit score if not higher and has now dropped by the time I am able to call customer care they are always closed and the virtual chat is not much use and I cant find a email to submit dispute.. I feel there tactics are predatory to make clients purposely default and even when you make full statement balance they charge you late fees several days after I made my payment on the due date and check the app several time the next few day to make sure I wasnt charge another late fee and now I check and see I have another late fee of charged 11 days later! There are plenty of other banks that honor you payment no matter the time even it they process It on the next business day. I feel this very wrong and want dispute and closed the account I will not continue doing business with children place.
12/14/2022
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
CA
92154
Web
Older American
To my notes, end of XX/XX/XXXX, I applied for a credit card. A special limited time offer for XXXX members. The card was approved and issued from XXXX XXXX XXXXXXXX with a credit line of XXXX XXXXXXXX XXXX promised a XXXX XXXXXXXX statement credit after using the card, making purchases of XXXX XXXXXXXX or more within the first 90 days. They promised automatically receiving the credit on my statement after qualifying.
Even I met the criteria, I didnt get the XXXX XXXXXXXX and I was waiting until end of the year, I called XXXX beginning XXXX, they promised to take care of this. I called again and again and XXXX promised to fix this problem.
On XXXX XXXX I get a letter from the Comenity Bank XXXX telling me, that Comenity Bank will take over all the Credit Cards from XXXX XXXX informing me about coming changes to my XXXX XXXX XXXX XXXX credit card. Meanwhile Comenity Bank send me a new card, which was activated on or around XX/XX/XXXX.
I checked the available statement at Comenity Bank but could not see the promised XXXXXXXX XXXX XXXX. When I called XXXX to find out about the status of my Reward, I found out that there was not any account information on the internet, my account was not existent anymore. When I called XXXX they said that Comenity Bank have all information, ast they took over the accounts and told me th
at Comenity Bank is responsible. When I contacted the Comenity Bank several times, they said I have to be patient, as they have a lot of trouble with taking over the credit card accounts. So I was patient again. They promised to put the Award at the next following first day of month to my account, but nothing happens again!
I contacted XXXX in this matter, which promised to convey with Comenity Bank, but they didnt get also no answer.
When I see the reputation and meaning from other people, Im wondering that such a Bank get the license to administer the money from the folk.
08/12/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
FL
XXXXX
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.
12/20/2022
Yes
Credit card or prepaid card
General-purpose prepaid card
Unexpected or other fees
NV
89147
Web
Older American
I was buying some clothing staffs those Total price was {$600.00} at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX By the end of XXXX XXXX beginning of XX/XX/XXXX and I paid that total amount at once time on XXXX XX/XX/XXXX by online bell payment system as of my others bells payment system by XXXX XXXX XXXX using the name numbers shown on that credit card which means before it generates late fees and an internet.
But after a few months XXXX XXXX XXXX and Comenity Capital bank send to me the bill to pay that money with late fees and interest I said I all ready paid the full amount on time by using my debit card through XXXX XXXX XXXX They said no there for i went to XXXX XXXX XXXX and XXXX XXXX XXXX branch and I told to one of the Customers relishing XXXX XXXX she check my account and she approved as they paid for XXXX XXXX store by check and she call XXXX XXXX and XXXX to the grocery store XXXX and Comenity Capital bank they took by phone on XXXX ways system in front of me and agree to Investigate what would happen on the other week phone conversation Discussion they investigate the paid check in XXXX XXXX XXXX then that check back to XXXX XXXX XXXX to readjust to Comenity Capital Bank and that is done on time.But Comenity Capital bank continue send to a bill to pay them late fees and internet but i said I all read paid the full amount once on time so I dont have to pay other fees and internet after different discussions XXXX XXXX XXXX agreed to pay under my name through XXXX XXXX XXXX {$220.00} and we did that too. But Comenity Capital bank still needs I pay late fees and internet after they received so I refused to pay again with no tangible reasons this is in short what happened between me and Comenity Capital bank.
I send XXXX pages documents with XXXX pages Covering letters on XXXX XX/XX/XXXX to Consumer Financial Protection Bureau please review that shows all the details.
12/10/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
110XX
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
705XX
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.
04/01/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
MS
390XX
Web
Comenity Bank/AnnTylr is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Comenity Bank/AnnTylr to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; Comenity Bank/AnnTylr did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking Comenity Bank/AnnTylr to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
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.
03/06/2023
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
30312
Web
I'm on two interest free programs, one that is 12-months and the other is 18-months. I called and advised I wanted to pay off the 12-month of {$280.00} in full, the representative told me to make the payment and call back to have the money applied to the 12-month plan.
On XX/XX/XXXX the combined balances on the account were {$1500.00}. I paid {$560.00} that day which would bring my combined balances down to {$1000.00}. I called on XX/XX/XXXX and requested {$280.00} of the {$560.00} payment to be applied to the 12-month plan to pay it off in full. XX/XX/XXXX, I logged on and my balance was now {$1200.00}. The representative did not adjust it correctly and I filed a complaint online which was resolved. The money was readjusted, and my entire account balance was {$1000.00} however, the did not apply the {$280.00} to the 12-month promotional plan, they applied it to the 18-month plan. I called again and submitted a request online, that the funds were applied incorrect and my 12-month plan which still has a balance of {$280.00} should be XXXX and paid in full, and my 18-month plan which now has a balance of {$710.00} should have a balance of {$1000.00}.
I submitted a request online XX/XX/XXXX and XX/XX/XXXX, requesting the money to be re-applied as I requested on XX/XX/XXXX. To take the {$280.00} from the 18-month plan and to apply it to the 12-month plan to pay it off. The only plan that should be active is the 18-month plan with a balance of {$1000.00}.
I received the following reply XX/XX/XXXX online : 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. XXXX XXXX XXXX XXXX XXXX XXXX This is absurd, that after a month, no one at Commenity Bank, can not apply money to an account as requested. I paid off the 12-month plan in full, and my 18-month plan should have a balance of {$1000.00}.
08/04/2023
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
VA
23236
Web
Subject : Pre-Arbitration Settlement Offer - Collection Account ( Account Number : XXXX ) and Obligation to Honor Arbitration Agreement To Whom It XXXX Concern, I am writing to address the ongoing issue concerning the collection account associated with Comenity Capital Bank, account number XXXX, which has significantly impacted my credit report. Despite prior attempts to resolve this matter, the situation remains unresolved, causing substantial financial hardship and distress. I have denial letters to prove the financial pain and stress this fraudulent account has put me through.
I want to emphasize that with the acquisition of this collection account, XXXX XXXX XXXX has assumed all rights and obligations, including those stipulated in the original contract, such as the arbitration agreement. This agreement is legally binding and requires that disputes be settled through arbitration rather than traditional litigation.
Given this obligation, I propose a one-time settlement offer to expedite a resolution and avoid further legal complexities and expenses. XXXX XXXX XXXX has the opportunity to settle this matter by agreeing to the following terms : Payment of {$5000.00} in full settlement of the collection account.
Deletion of the account and all associated information from my credit report.
By upholding the arbitration agreement, XXXX XXXX XXXX demonstrates its commitment to equitable resolution practices.
Please give due consideration to this settlement offer and respond promptly. Accepting this proposal not only upholds your contractual responsibilities but also leads to a more advantageous outcome for both parties involved.
I request written confirmation of your acceptance of this settlement offer and the subsequent actions taken to fulfill the terms outlined above.
Thank you for your attention to this matter, and I look forward to your timely response.
Sincerely, XXXX XXXX
12/01/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
AZ
XXXXX
Web
I purchased roughly ~ {$2000.00} of equipment from Dell XXXX XXXXXXXX XXXX with a promo % 0.0 APR until the following XXXX. I put this on autopay to be paid off by XXXXXXXX XXXX XXXXXXXX. I've used this service previously without any issues.
Dell announced over the summer that they would be switching to a new service provider for financing in XXXX. Since I had my account lined up to paid XX/XX/XXXX, I had no concern. Dell claims I canceled my autopay with {$22.00} remaining balance in XXXXXXXX XXXX XXXX. They then proceed to charge me late fees, without notice, for XXXX and XXXX, bumping my balance to {$82.00}. I did not receive any statements of outstanding or overdue balance nor did I receive notice of autopay cancellation. I presumed that my account would have made its final autopayment of {$22.00} and be resolved.
I did not know there was any issue with my account until my bank and XXXX both alerted me of a XXXX change of XXXX to XXXX. I was shocked. I attempted to go to the existing dell finance site but website was not allowing access to any updated information. When I would call they would transfer me to the new provider of Comenity who did not or would not service since I did not have my new account number that I hadn't received yet from them. I had to go through an automated service using my SSN to then request to have my new account number mailed to me.
Once I received the # I created my account and made a payment to my surprise of {$82.00} to get it resolved ASAP. When I called to inquire as to what happened Comenity advised they were not able to help since it was with the previous provider. When I called the previous provider they defered me to Comenity. Without any recourse available via phone I've started to dispute it through XXXX and also the CFPB.
Also, it is showing me as current for both XXXX and XXXX yet XXXX shows past due 60 days? None of this makes sense.
03/08/2023
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
95132
Web
Older American
I'm disputing the folowing : I have made the purchase with Kay XXXX on XX/XX/XXXX. The total amount is {$1800.00} Per their policy, item can be return within 30days or exchange within 60 days.
I returned the item after 20days, on XXXX XXXX XXXX
Few days later, I receive the statement ask to pay full amount {$1800.00} for the purchase that I have returned. I called the customer service and explained to them about that and they told me they will remove the charge. The Next month, I received another statement billing me the '' Late fee " because I didn't pay the previous statement. Kay XXXX / Comenity Capital bank did it over 10 months, keep billing me the late fee. I called their customer service and talked to many agents. They promised to remove the fee, but they never did. I sent the email to Comenity Capital bank on XXXX XXXX XXXX ask for investigate. They replied me back on XX/XX/XXXX and mentioned they have receive my letter and start to investigate within 90 days will get the resolve.
I haven't heard from them any update, but still received the statement charged for Late fee add up and due date for payment is XXXX XXXX XXXX Then I called them back on XXXX XXXX XXXX to ask. And their agent told me that the charge fee has been removed on XXXX. I asked them sent me the letter to confirm that it has resolved.
They wrote a letter on XX/XX/XXXX and sent out to me after I called them on XX/XX/XXXX, replied to me that the balance is XXXX now. They didn't mentioned the debt just sold to a new collector is XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX until the XXXX letter they sent out on XXXX XXXX XXXX
I don't think it right, when the case still under investigate, but they hide to sold my debt to another collector without the resolved or answer back to me. It is hurt my XXXXedit score when my credit report showing charge off/ written off, and will stayed there for 7 years until XX/XX/XXXX.
08/16/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
XXXXX
Web
I opened an account with XXXX and it is serviced by COMENITY - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX.
I received the first bill and paid it in full via XXXX XXXX XXXX XXXX banking for {$150.00} Per XXXX, " Check XXXXwas mailed to XXXX XXXX for receipt by XX/XX/XXXX, XXXX Confirmation # XXXX. '' I received another bill for {$32.00} ( late fee XXXX XXXX {$2.00} interest charge ) which because I was leaving on vacation I went ahead and paid until I had more time to research the initial payment. XXXX Confirmation # XXXX. I received what I thought was a duplicate bill and disregarded it as I knew I had paid the second bill and had not used the account.
I have not stepped foot in that store since my one and only purchase, which I have now verified with XXXX XXXX XXXX, was paid-in-full and on time. However, today XX/XX/22, I received a fourth bill from XXXX in the amount of {$41.00} ( {$34.00} late fee and {$2.00} interest charge ).
If this isn't fraud, then I don't know what is. I have been with XXXX for decades and have used online banking since inception. I have never experienced an issue until now. I contacted the customer care number on the XXXX and they were trying to " wheel and deal '' with me. I asked them to refund me the initial {$34.00} which I did not owe and remove the other bill of {$41.00} and to close the account.
I was transferred to a manager when the rep refused my request. The manager said he would reverse one late fee and issue a {$15.00} credit if I didn't close the account. I repeated what I wanted and he kept circling through his script and saying that they didn't want to lose my account. I repeated over and over what I wanted and it became clear they were not going to budge. Please tell me how I can get this resolved and stop them from doing this to anyone else?
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX
01/30/2018
Yes
Debt collection
Other debt
Attempts to collect debt not owed
Debt was paid
IA
512XX
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
08/03/2022
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
TX
77339
Web
Older American
had a Victorias Secret card forever. Tried to use it at Victorias Secret in XXXX XXXX and was told I would have to apply again. So I did and it was approved immediately. I spent XXXX on XX/XX/XXXX and paid the full amount on XX/XX/XXXX. Then on XX/XX/XXXX I charged XXXX and paid the full amount on XX/XX/XXXX. I then received a notive in my email that the account was on hold and that there was suspicious activity oon my account. When I checked the account, there was no suspicious activity on it, so I called the customer service number and was told I would have talk to the fraud department and I was connected to them. I told the man who answered that there was not any suspicious activity and he told me that I would have to send them a copy of my Drivers license front and back and a copy of my social security card front and back. I told him that I had never been asked for these items before and he said I had to do it or they would cancel my account. Since I have plenty of credit cards I didn't really need this one so I didn't sent the requested items and they cancelled my account. Then I went to XXXX XXXX XXXX and bought my flooring and had to apply for their card. So I did and it was approved right away again. This was also with Comenity Bank. on XX/XX/XXXX. for XXXX. I got a promotional deal for no interest if paid in full by XX/XX/XXXX. On XX/XX/XXXX I paid XXXX, then on XX/XX/XXXX I paid XXXX, then on XX/XX/XXXX XXXX I paid another XXXX. I have never been late with a payment and I am paying more each month than is being required and now I am told that this account is cancelled. With all the scams and fraud going on right now we should never be asked for the information that they are asking for. They seem to be a little crooked themselves. I really don't need either of these accounts but I certainly think Comenity 's credit department should be investigated. Thank you for your time.
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
XXXXX
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
XXXXX
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
047XX
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!
06/28/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with customer service
IN
46077
Web
On XX/XX/2022 I went to check my statement on my XXXX XXXX XXXX, which is through Comenity Bank or Bread Financial. There was an error stating that they were delayed with scheduled maintenance and the online site should be back soon. I was able to make a payment that day, but it hasn't posted in my account statement from the account I paid it from.
I went to check my statement again as my payment is due on XX/XX/2022. I wanted to schedule my payment and needed to check my statement to figure out how much to pay. The website is still down, and it wouldn't even allow me to log in like it did on Sunday.
I have tried reaching out to customer service and their phone lines are off. Comenity is responding on social media just saying that regular maintenance is taking longer, but they never warned us that there would BE any maintenance.
I bank with XXXX and XXXX XXXX as well and there's always notice before they do anything that would limit access to accounts.
Cards are being declined, payments aren't being processed, customer service isn't even available ( which is the alternative for payments ), and the social media presence is repeating the same thing. I am worried that their security was breached and my safety and information is at risk.
My job also measures my performance based on how many of these credit cards that I sign people up for, but I am not comfortable offering a service that is unsafe and unreliable.
As of XXXX minutes ago, the service is still down and there is no way to make payments. Comenity states that they will waive late fees if your payment is due today XX/XX/2022 with the cut off for waiving fees being XX/XX/2022. With how long it has been since their services have been completely inaccessible, there is no guarantee that anyone will be able to access their accounts by then.
This is despicable on their part, and there should be some consequences.
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.
08/30/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with balance transfer
IL
60172
Web
Older American
I had a Caesars Rewards Visa Credit Card and tried to take advantage of a transfer balance prom to off other credit cards.
During XX/XX/22 I paid my balance to a negative XXXX so I could keep paying any interest on the amount I apply for. Between XXXX I applied for the amount of {$4600.00} and it went on my statement. The transfer did not work and was interest on XXXX XXXX card and payments to a transfer that did not happen. I spoke with Caesars Rewards Visa and they said there was a problem with making the transfer to XXXXXXXX XXXX I said cancel my card and the {$4600.00} was removed from my card which never received.
In both XXXX & XXXX received statements that I owed {$4600.00} with late fees & interest. Each I called and fought through the people wanting a payment to a manager.
Each time I was told they clear up the problem The last conversation was opening investigation case taking XXXX days. On XX/XX/XXXX I received a letter that Caesars Rewards Visa had found the duplication charges and was clear of all charges, interest, fees, and bad credit reports. I was so happy.
Mid XXXX I received the same statement I owed money, I called and spoke to a manager. I was told to wait until XXXX and everything should be corrected. XXXX cam and the same problem, after 2 hours on the phone and calling the Caesars Rewards Visa phone number, NO XXXX had any knowledge of the letter. A letter that Caesars Rewards Visa had sent me.
Again, believe it or not Caesars Rewards Visa opened another investigation case that again can take 30-90 days.
I am at a point where I need a solution or a recommendation on a lawyer.
I have all my XXXX XXXX statements and NO money was ever deposited into that account, also it resolved by Caesars Rewards Visa that they made an error. However, there customer service has no idea what they are doing.
This is affecting my life and I need this fixed
04/11/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
ID
83301
Web
Comenity BankXXXXXXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Comenity BankXXXX to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
07/04/2023
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
ID
836XX
Web
XXXX/Comenity misapplied my payment and refuses to credit my account.
Payment mailed XX/XX/XXXX ( paper check ) Payment cleared my bank XX/XX/XXXX ( credit card company processed without returning the check to the bank ) When the XX/XX/XXXX statement appeared with the unpaid amount I contacted XXXX via phone ( call reference XXXX ).
XX/XX/XXXX received letter from XXXX/Comenity that they received my claim and were researching.
XX/XX/XXXX received letter from XXXX/Comenity they need more information XX/XX/XXXX I provided XXXX/Comenity a ) screen shot from my bank statement showing payment to them cleared XX/XX/XXXX b ) XXXX XXXX Trace ID for the transaction c ) XXXX XXXX Transaction code ( sent via their on line ) secured message system XX/XX/XXXX received acknowledgement from XXXX/Comenity of the submitted documents via their secured message system.
XX/XX/XXXX received a letter from XXXX/Comenity closing my account as requested XX/XX/XXXX received letter from XXXX/Comenity stating they need additional information ( again ) XX/XX/XXXX I US mailed the same information previously sent XXXX via secure message along with a cover letter that I would be happy to have a conference call with my bank XX/XX/XXXX received letter from XXXX/Comenity stating they are unable to verify they received the funds.
XX/XX/XXXX Used the XXXXComenity secured message center to complain of the on-going inability to determine where my payment was applied. Again I offered to conference call my bank to resolve.
XXXX Sunday received a call attempting to collect the past due amount- explained the amount is in dispute.
XX/XX/XXXX received a response from XXXX/Comenity via their secured message center stating the issue was resolved ( i.e. their final determination was they can't find my payment ) XX/XX/XXXX respond via the XXXXComenity secured message center that I was filing this complaint.
08/04/2022
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
MO
63901
Web
On XX/XX/2022, I went to XXXX XXXX in XXXX XXXX, MO. I had paid the credit card off in XXXX, so there were little to no charges on the card at the time, and we purchased a total of XXXX items ; litter box, dog shampoo, dog brush, cat litter, and refreshing animal spray, and nail trimmers. I was charged {$250.00} for the original price ; however, the rewards were added to the wrong account, so they refunded the purchase. We did the transaction again ; this time, rewards were not added to the purchase, so the cashier refunded my card again. Finally, the final purchase was {$220.00}, which would be correct. When I received a statement for the credit card, there was a total of {$820.00} which showed four charges of {$250.00} and one charge of {$220.00} within the same day around the same time. I called the credit card company immediately, and the first representative called me a liar and accused me of trying to steal items, the second time, we were told it was a store issue. I called the store and spoke with the store manager ; he explained that there was nothing he could do on his end because he had only seen the refund and one transaction. I called the credit card company again and was still told we would have to speak with the store. A week or so later, I called the credit card company again, and we started a dispute ; nothing has been done so far. We then called again today, on XX/XX/XXXX, and the first rep spoken to was rude which seems to be common with this company. Finally, the final rep was kind and told us to try this since we were not getting anywhere with the store or credit card company. What was a {$220.00} purchase that resulted in charges over {$800.00}? I am being charged interest on this and still required to make payments even though these purchases are incorrect. This company has hurt my credit, caused too much stress, and all around is not helpful.
10/19/2022
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
19064
Web
I had an XXXX XXXX XXXX for years and used this card very often when planning and booking trips. In XXXX, XXXX, I booked a trip to South Carolina for travel in XXXX, XXXX, for my Husband and I through XXXX and charged my airline tickets on my XXXX XXXX. Shortly after the purchase, I received notice that the XXXX XXXX XXXX was going to be discontinued and that would mean my XXXX XXXX XXXX would be closed and a new XXXX XXXX would replace it and any balance on the XXXX XXXX would be transferred to the new XXXX XXXX. However, I had a XXXX balance so obviously no balance was transferred. We went on our trip in XXXX, XXXX. However, due to a cancellation of flights, XXXX XXXX refunded a portion of our airfare. When speaking to XXXX XXXX, they said they would only refund my money to the original form of payment which was my XXXX XXXX which, by then, was closed. My refund was completed on XX/XX/XXXX. A few weeks later, I called the number on the back of my new Comenity card to find out why the refund was not credited to my account. Through the months ( going on 4 months ), I've spoken to at least 8 customer service representatives and 4 or 5 supervisors ( some very rude ) but NO ONE could help. They all said they would put through a " dispute request '' when several were already. The supervisors I spoke to saw the charge I made in XXXX on my XXXX card but can't find the refund. On one call the representative asked if I could upload supporting documentation of the airline 's refund which I did while on the phone with her.
The amount of a refund of {$680.00} that is suppose to be credited to my new XXXX XXXX.
If you would like to discuss this further or need additional information, you can reply to my email or contact me on my cell phone at ( XXXX ) XXXX.
I look forward to hearing from you and a quick resolution in this matter.
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
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
125XX
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.
05/24/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
FL
344XX
Web
I have now been passed off to 6 different people concerning my XXXX XXXX credit card. Unannounced to me the credit card was sold off to a comenity bank. It was not until I went to pay for my account that I noticed it was gone from the dropdown menu. I called the number on the back of my XXXX credit card. The number rang to a CSR at this comenity bank and they explained the situation. I made whatever payment was asked of me at the time and was never informed the credit card was delinquent. It is from this point on that this account has continued to spiral downward!! The account has been locked out and the information being requested can be verified through the XXXX and credit bureau and yet I am being forced to send information about my new address. I have also learned that nobody can access my account at this comenity bank because it is locked out ( which makes no sense whatsoever to me that nobody can access this account to help resolve the issue ). I have learned the account is being reported delinquent and comenity bank says to speak to XXXX on this matter and XXXX says to speak to comenity bank on this matter. I am an elderly XXXX person who has worked hard all his life to maintain a near-perfect credit score to just have XXXX and this new bank comenity ruin it. The last CSR with which I spoke at comenity bank had such a condescending attitude even after I reported that I had the banking commissioner on the other line filing a complaint. I received NO information on this conversion which each bank blames the other for. With what is going on in the world today these banks should not be permitted to abuse the consumer in such a manner. I wish to get this resolved for I can not even make a payment on this account because I lack the needed information in which to do so. I am also going to make this same complaint under your credit card tab. I thank you in advance
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.
05/05/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NY
125XX
Web
I have an account with Comenity bank, which is a store card for Zales. I have two promotional balances on this account currently and have faithfully paid on time and well over the minimum required balance. Unfortunately, Comenity continues to split the payments between the two balances instead of applying the payments toward the promotional balance that ends on XX/XX/XXXX. I called last week to ask why this is and got an explanation of their policy and the agent admitted that the payment allocation does follow the policy. On that call, I confirmed the remaining balance for that promotion was {$85.00}. I made a one time payment on that call for the amount of {$85.00}, which I was told would pay off that promotional plan. I also had another scheduled payment after that for XXXX posted on XX/XX/XXXX. I called today, XX/XX/XXXX and was told there is still an XXXX balance on the promo ending on XX/XX/XXXX. The rep, XXXX XXXX, stated I will find out how my last two payments were applied on my next statement. She refused to provide confirmation in writing that they applied the payment to the promo ending on XX/XX/XXXX. She also refused to provide a physical address for Comenity Bank so that I could send a XXXX request for information.
Of the {$75.00} paid on XX/XX/XXXX, only XXXX was applied to the promo ending on XX/XX/XXXX and XXXX was applied to the promo ending on XX/XX/XXXX.
Payment made on XX/XX/XXXX for {$75.00} was applied as XXXX toward the promo ending on XX/XX/XXXX and XXXX applied to the promo ending on XX/XX/XXXX Both of the statements with the above payment applications warn me to pay off my promo balance soon but fail to provide me a way to do so. The reality is, both of those {$75.00} payments should have more than paid off the remaining promo balance that ends on XX/XX/XXXX.
I have attached the statements showing how these payments were applied.
03/17/2023
Yes
Debt collection
Credit card debt
Communication tactics
Used obscene, profane, or other abusive language
MO
63376
Web
XXXX XXXX XXXX bought a debt from a helzberg account I had. They have called me 4-6 times a day m-f and on some weekends the first time I picked up the phone the debt collector asked my why I fell behind and explained I had lost my job and have 2 toddlers and a wife to take care of. When he asked me to pay {$1400.00} in full today I said I couldnt. Then asked me to put money down and pay it off over the next 2 months. Which I replied that I couldnt afford it right now. He then proceeded to say What kind of father cant pay his bills Not a very good one which is when I stopped talking to them in XXXX of 2022. One year later, after thousands of attempts to call me at all time of the day, I got a letter from a lawyer saying that they had seen that XXXX XXXX XXXX had filed a suit against me. So I called to attempt to settle the debt again. They proceeded to ask me to pay the full amount right now or the lawsuit will garnish my wages and get their money back. ( This was around XX/XX/XXXX ) I said I was hiring an attorney and we can settle in court at which point he told me those are just ambulance chaser of the debt collection world and the court would side with them. Now on XX/XX/XXXX they call me again threatening suit and that I should settle now at which point I stopped him and repeated that I already told them I was getting a lawyer. Which he responded Well legally you have to give me his name and number for us to stop calling and I said again stop calling me and hung up. After calling me a XXXX dad and calling my phone at all time even in the evenings right up to XXXX knowing I had small children to get to sleep Im fed up with their ignorant tactics of abuse and threatening me. I have paid off other creditors but at this point I dont want to pay them a dime after they have continually harassed me and from what I have found out tens of thousands of other people.
03/12/2020
Yes
Debt collection
Medical debt
Communication tactics
Frequent or repeated calls
MO
XXXXX
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
XXXXX
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.
12/03/2023
Yes
Checking or savings account
CD (Certificate of Deposit)
Opening an account
Confusing or missing disclosures
NJ
07650
Web
On XX/XX/XXXX, I opened XXXX XXXX XXXX accounts totaling {$240000.00} with Bread Financials ( XXXX XXXX XXXX XXXX XXXX ) 1. Before these CD accounts were opened or any service was provided, I did not receive any " account disclosures '' from Bread Financials, either via mail or email.
2. At the time of account opening, I did not receive any " signed agreements with deposit terms and conditions '' or " disclosures on terms and conditions. '' 3. In XXXX XXXX, when I inquired with the institution about any potential early withdrawal penalties for the CDs, I was informed that I would need to pay a 1-year penalty to withdraw any money before maturity.
4. I notified the institution that I had not received both " disclosures '' and a " signed deposit agreement with full CD terms and conditions. '' 5. Further, I escalated the issue to the CEO of the institution via online customer service chat, requesting that they take full responsibility for failing to comply with required Consumer Acts and disclosure requirements before and during the opening of the CD deposit accounts. I also requested a waiver of the early withdrawal penalties.
6. However, on XX/XX/XXXX, XXXX days after my escalation, the institution notified me that it had suddenly suspended my CD accounts without providing valid reasons amid my complaints and escalation of the issues. See the full text message from the institution.
7. As such, I have been deprived of my right to make an informed decision based on the institution 's full disclosure, as required by respective laws and regulations under Regulation DD and the CFPB XXXX XXXX XXXX XXXX Laws and Regulations. Therefore, I request that the institution take responsibility, at a minimum, by providing a full waiver of the early withdrawal penalties for those three CD accounts prior to maturity and resolving the escalated issue as soon as possible.
07/07/2022
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
32224
Web
On XX/XX/XXXX, I received a text claiming it was from Comenity about a possible fraudulent charge to my credit card account ( I have a XXXX with them ) in the amount of {$97.00}, for XXXX XXXX XXXX. I didn't call the number in the text message because I wasn't sure it was from them ; I called the number on the back of my credit card. I also checked my account online, and didn't see that charge pending. I spoke to a rep, who told me that he could see the amount pending on his end and that he'd reverse the charges and send me a new card so that the current one couldn't be used again.
On XX/XX/XXXX, I checked my Comenity account online and saw a charge for {$96.00}, with the description XXXX XXXX XXXX XXXX NY. I called again and explained to another rep that I hadn't made that charge ( I haven't charged anything to this card since XX/XX/XXXX, as I'm trying to pay it off ). The rep told me my card had been blocked since XXXX so no more charges could be made ( I assume the {$96.00} was charged around the same time as the other one ). She said she'd lift the {$96.00} charge while the claim was investigated and that it would take up to 90 days to finish the investigation process.
After that, I went to check my account online, to see if they'd reversed the charges, and due to a technical glitch, I can't log on to check anything. This comes after numerous calls that went to a recorded message that their office was " temporarily closed '' and dealing with their website being down. At this point, since I can't check anything online and I just called, only to be told their office is " temporarily closed '' yet again, I don't know what's going on with my account.
Prior to their so-called update to their site, I had no issues with fraudulent charges, and suddenly I do, so it seems their " update '' probably coincided with a hack, leaving customers ' data vulnerable.
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.
11/22/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Problem with a company's investigation into an existing problem
Was not notified of investigation status or results
TN
37415
Web
I hope this letter finds you well. I am writing to bring to your attention some concerns I have regarding the accuracy of the information related to an account with your organization. After reviewing my credit report, I have identified discrepancies in the reported Date Opened and High Credit on the account in question.
To ensure the accuracy of my credit information and to address these concerns, I am formally requesting validation of the debt associated with the account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and supporting documentation. Please provide details regarding the accuracy of the Date Opened and High Credit, and any documentation supporting this information.
Furthermore, I would like to inquire about the status of any insurance claims filed in connection with this account. If insurance has been claimed, kindly provide details of the claim and its resolution.
In addition, I am seeking clarification on whether a Form 1099-C, Cancellation of Debt, has been filed in relation to this account. If so, please provide documentation related to the filing and any relevant information about the canceled debt.
I would like to draw your attention to the importance of accurate credit reporting, as outlined in 15 U.S. Code 1681n. This section establishes civil liability for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). It is crucial for creditors to ensure the accuracy of the information they report to credit bureaus, as inaccuracies can have serious consequences for consumers.
Moreover, I wish to highlight 15 U.S. Code 1692e, which prohibits false or misleading representations by debt collectors. Providing accurate and verifiable information is essential to maintaining the integrity of the debt collection process and ensuring fair treatment of consumers.
10/13/2023
Yes
Credit card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NY
11756
Web
Older American
On XXXX XXXX I closed my account. They informed me that I had a late fee of XXXX to pay. Told them I just sent you a payment for XXXX, I pay you XXXX every other month. My payment is just XXXX a month that I charge every month. So that day I went to the post office and sent out the check for XXXX certificated mail # XXXX. They received the check on XXXX XXXX signed for by XXXX XXXX. I never heard from them or got a statement at all in XXXX. On XXXX XXXX, they still haven't cashed the check for XXXX ( certificated mail and signed for as stated above ) so I stopped payment on that check and sent out a check for XXXX. I sent out a letter with proof asking the company why they still haven't cashed my check for XXXX, that enclosed is a check for XXXX sent out certificated mail # XXXX and tracking # XXXX account ending in XXXX enclosed all this information on the check too. I went to the bank today and they just cashed my check from XXXX XXXX, for XXXX, they signed for it on XXXX XXXX, XXXX XXXX I got a bill for XXXX. They are still charging me a late fee on top of late fees. Plus every day they call me none stop. I have no idea why, when all they had to do in XXXX is just cash the check for XXXX that they signed for and that would have been the end of it. But no they just had to harass me every day by phone never saying hello or never leaving a message either. They started this problem not me. This is a bank every one should be aware if how Comenity Bank is treating people. I would never do business with them again and I think every one should close there accounts with Comenity Bank and let them go under. They have XXXX different cards, close all XXXX different cards. They don't deserve anyone 's money, if they want to treat people this way for paying there bills. Shut them down.We all have the power to shut these companies down when we aren't treated right.
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
949XX
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
080XX
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.
03/08/2023
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
NM
87121
Web
I opened an account with Comenity Capital Bank sometime in XX/XX/2022. I received my first statement in XXXX and paid off the balance of {$360.00} on XX/XX/2022. But they also charged me the next day XX/XX/2022 for {$360.00}. See Exhibit # 1 on our bank statement attached.
I have called this company twice and was told that my payment had been returned. No-one could tell my how or why. I tried to explain that this was a debit transaction and there was no way that could happen. It did not matter. If you look at my account balances at this time, my account was never close to being in the negative. My wife also works for XXXX XXXX XXXX XXXX XXXX. My account have NEVER been negative.
After we received no help from their customer service reps, my wife spoke to her employer ( SLFCU ) and filed a dispute. We received a provisional credit XX/XX/2022 of {$360.00}. See Exhibit # XXXX on my bank statement.
On XX/XX/2022, I received a check from Comenity Capital Bank for $ XXXXWhy? if we had returned a check to them? My wife let her employer know the dispute had been settled and that I had received a check from Comenity Capital Bank. XXXX reversed the provisional credit of {$360.00} on XX/XX/2022. See Exhibit # XXXX of my bank account. I deposited the check from Comenity Capital Bank on XX/XX/XXXX. See Exhibit # XXXX. We should be paid off now right? Nope. The next statement I received now says i owe them {$360.00} plus a {$30.00} returned check fee. I don't owe them ANYTHING and no-one will listen to me when I call or even try to help me. I have paid my last two minimum payments so they don't report bogus information on me. I want this closed. I want my two {$30.00} payments that I made for XXXX and XXXX and I want the XXXXwo {$9.00} I was charged for the two payments I made that I do now owe. I want this card closed and to never hear from this company again.
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.
02/21/2023
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
PA
19401
Web
Servicemember
After several months of Comenity bank ( aka Bread ) having issues with the updating system ( from XX/XX/2022 to Approximately XX/XX/2022 ) for all of their store cards and not reporting for several months, they were finally able to confirm my Overstock Card account was indeed still open, although it showed closed by the creditor on all 3 major credit bureaus.
I then proceeded to dispute the information on my credit report with each bureau, not one ( results posted XX/XX/XXXX ), not two ( results posted XX/XX/XXXX ), but three times including requesting reinvestigation ( XX/XX/XXXX ) AND uploading current billing information which showed the status of the account as open, never having been closed, and used in the time it was reporting as closed. The results keep saying the account is updated to : closed by credit grantor which is UNTRUE. THEN when trying to at least add a statement to this fiasco until it is appropriately resolved, I am only able to select pre-worded statements by XXXX, none of which suit the situation. Therefore leaving me unable to at least note the account is still in fact OPEN.
While this may have been as a result of data error from the creditor, it took me no more than a 10 minute phone-call to account services to verify that this account is in fact still open, so between investigators doing the same WITH A CURRENT BILL AS PROOF, there is no reason for these findings.
As it is an account with perfect payment history and almost 7 years worth of history, showing it as closed by the creditor has caused undue harm to my credit score and credit worthiness. I have given XXXX MULTIPLE opportunities to fix the issue, it is obvious they do not even ATTEMPT to investigate.
Through these actions my rights have been violated under FCRA policies and I fully intend to pursue remedies up to and including punitive damages against XXXX.
03/10/2022
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
601XX
Web
On XX/XX/2022 I notified Comenity about their consumer privacy violations and requesting to get my consumer report deleted because I did not give them permission to furnish a consumer report in my name. They responded that it is Comenity 's policy to comply with all applicable law and regulations, federal law supersedes policy. They are unwilling to remove the account from my report despite my request pursuant 15 USC 1681b ( XXXX ) which 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. There is no way Comenity is in compliance with the FCRA if they have not received written permission from the consumer to furnish a report. Per federal law, that is the only way a report can be furnished. Also The FCRA 15 USC 1681 602 ( b ) says " It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' It is clear that the FCRA is protecting the consumer and not the consumer reporting agencies by stating " reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ''. Comenity 's procedures are not fair and equitable to me as a consumer. Also their procedures are not confidential or proper and they are not in compliance with the requirements of this title if they have not received written instruction from me pursuant 15 USC 1681b ( a ) ( XXXX ) ( 604 ).
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
911XX
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
03/18/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Incorrect information on your report
Account status incorrect
AR
72034
Web
I am writing this complaint because I previously had an comenity bank/express credit card. I mailed in my payment in full to comenity bank/express 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 comenity/express. They told me I needed to call them because XXXX never received a payment from them. I immediately called comenity/express 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 comenity/express 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 ). Comenity 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 comenity/express was working to recall it from my credit. This debt has been paid in full and I would like comenity/express 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 to this day. I also have not received a refund of the remaining payment I made. I would like this resolved as soon as possible. Thank you.
07/03/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
MN
55434
Web
Bought an item at XXXX XXXX using a new comenity bank credit card on XX/XX/XXXX I had purchased roughly $ XXXX in fishing gear. I paid {$200.00} cash leaving roughly {$90.00} on the card I do bot have exact amounts on hand but can find them as needed. I went to make first payment XX/XX/XXXX website wouldnt let me register my card. Kept saying there was an issue. Tried the next day and got the same thing. Then the next day a message on the site says regular maintenance shut down been this way ever since, been trying to pay by calling and could finally pay tonight XXXX on a quick pay option, was charged {$32.00} in late fee, and will likely ding my credit as I dont fit into their XXXX message. my issue is they have a new message saying that they will not ding credit and charge late fees for XXXX. Ive been trying to pay since the XXXX. Also they say my payment was due the XX/XX/XXXX which I had gotten the card XX/XX/XXXX. That is not a month, I could not register my account, maybe already registered account holders could sign in and pay till XX/XX/XXXX but I, a new card holder was unable to register my card. I tried to register tonight XXXX and it says my card is already registered and activated which is impossible. Im extremely frustrated and have been building my credit responsibility since I turned XXXX ( now XXXX ) without one late payment and now Im scared my perfect track record will be ruined due to this issue. As a new account holder I was affected more than an account holder whoms account was registered already. I have made a {$90.00} payment as owed tonight and do not want to pay a late fee for these issues. I do not want to be charged as I was likely the first to see these issues and afraid they will hurt my credit to take my money and close the window of effected customers to a narrow XXXX which is not when these problems had first began
05/24/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
CA
91104
Web
I ordered a sweater from XXXX on XX/XX/XXXX. Total purchase price was {$76.00}. I received the sweater on XX/XX/XXXX. The style was not what I expected, so I returned the sweater within a week. I waited for the return to be credited, but it never was. I finally called the customer service number on the back of my card on XX/XX/XXXX, and was credited the full {$76.00}. However, since it had taken XXXX so long to process my return ( I'm not sure they even would have had I not called ), they dinged me with a {$32.00} late-payment fee. I called and asked them to wave the fee. At first they refused. When I told them to cancel my card, the customer service agent stated that he would speak with a " retention specialist '' and put me on hold. When he returned to the line, he told me that the retention specialist had agreed to waive the late fee if I agreed not to cancel my card. I agreed to those terms and asked him specifically if my card balance was now XXXX. He affirmed that that was correct.
On XX/XX/XXXX, I received a credit card statement from XXXX XXXX showing a balance due of {$73.00}. When I called to inquire about the charge, I was told that I was being charged the {$32.00} late fee from the previous month, plus an additional {$41.00} as an ADDITIONAL late fee, plus {$1.00} in interest. I explained what had transpired and how my balance was supposed to be XXXX. I refused to pay the {$73.00}. The agent I spoke with stated that she could waive only one of the late fees, IF I retained my credit card account, and that I would have to pay the balance. I reminded her that the situation was based on her company 's error, but all she would say was, " I apologize, '' and refused to waive the entire amount. I was not interested in being fooled again, so I asked her to cancel my credit card, which she did, without refunding me any of the bogus charges.
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.
11/28/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Problem with a company's investigation into an existing problem
Their investigation did not fix an error on your report
NY
11208
Web
XXXX XXXX $ Creditor : Victoria secret XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Be advise this is not a refusal to pay, But a notice sent pursuant to the fair credit act 15 USC & 1692g stating your claim is disputed and validation is requested.This is NOT a request for verification or proof of my mailing adress, But a request for VALIDATION made pursuant to the above-named title and section. i respectfully request your offices provide me with competent evidence that I have and legal obligation to pay you. at this time, I will also inform you that if your offices have reported invalidation information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX XXXX ) this action constitute fraud under both federal and state laws.Due to this fact, IF any negative marks found on any of my 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 : Validation of the fair credit reporting act, Violation of the fair debt collection practices act, and defamation of character the following declaration, I will require at least to investigate this information, During which time which 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 suit. This includes any listing of any information to a credit reporting repository that could inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your recept references to the account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.I would also like in writing that no further telephone contact be made by your office
07/17/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MS
39401
Web
Comenity bank has been down for a whole month. No one has access to their accounts online. Whenever you try to log in it gives a glitch error. They are not answering any calls. They have a robot saying call back later. You cant speak with a live person. They have everyones account mixed up. No one can give an explanation for anything. This is ridiculous. They not only changed the amount I was paying but also added on 4 other fees. I currently have/had a payment for XXXX due on the XXXX of the month in which I was paying {$18.00} for XXXX and Victoria secret I was paying {$26.00}. I logged on to pay and I see that payments were way higher for both with added fees on which I never had. I didnt know what was going on so I paid {$30.00} for XXXX and {$30.00} for XXXX even thou I knew my payments were only {$18.00} and {$26.00}. I logged on a few days later more fees. I couldnt understand what was going on. I tried callling and calling couldnt get through then the next day I was unable to log in. The whole system went down and has been down since. They keep lying saying the website is up and running and we can make easy payments thats all a lie! Nothing is working. Nobody is answering the phones and they are putting Late payments on everybody credit reports because they have been hacked. Its not our fault they messed up everything and everybody accounts. I have never in all my days seen anything like this in my life. I dont trust Comenity bank which is bread financial now at all. Something is going on and everybody is suffering because of their mess up. They are messing up peoples lively hoods messing with the credit scores. Some people said they were able to get the easy pay to work but its taking out over 2 charges on their accounts. I dont know what to do at this point. I dont feel like any of my information is secure. Something has to be done.
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
706XX
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
305XX
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.
06/03/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NV
89118
Web
On XXXX XX/XX/XXXX I paid online de full amount of {$150.00}. I received the online payment confirmation thanking me for the payment. With this transaction, I assumed that I had fulfilled my payment obligations, so I was quite because I had made the full payment, like it showed in the statement and in the online account. In fact I fulfilled my payment obligations. Curiously, I go to the credit card page online on XX/XX/XXXX of the present and I see that I had {$34.00} dollars charged for late payment, and that was showing on XX/XX/XXXX, two days after I had paid the amount of {$150.00} fully, they charged me late fees. Without thinking about it, I paid those XXXX dollars. Immediately I made a phone call to the agency asking them why I had these charges ; they apologized to me but didn't give an answer. It was on XXXX XX/XX/XXXX. After I called them again, but unsuccessful my attempt that when I paid, I paid the full amount according to the statement and I had not made any other purchase, nor did it appear on the statement, nor on the website, no other charge. Also The agency reported a missing payment to the Credit bureau on XXXX, but I had made the payment on XX/XX/XXXX. Why did they report that owed amount of {$34.00} on XXXX XX/XX/XXXX if I had already paid the total amount and it was after my phone call claiming them there was an error? Now I realize that those {$34.00} that they have been charging me are incorrect and even more so because they have affected my credit, that so much effort has cost to build, for no reason. That is why I humbly ask both agencies to investigate this error. I have the statement for XXXX and the payment confirmation for XX/XX/XXXX, as evidence. Also I don't have any available credit in my credit account. It is {$0.00} and I don't know why. I feel very mistreated as a consumer. Thank you very much in advance.
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.
07/07/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
VA
20120
Web
Re : Wayfair Credit Card opened with Comenity Bank I opened a Wayfair Credit Card account with Comenity Bank way back in XXXX. On XX/XX/XXXX, we received notification that Wayfair will now be serviced by XXXX instead of Comenity Bank. However, we can still manage our account balances with Comenity Bank. No new charges can be made unless we open a new account with XXXX. I did not do that and instead kept the old account as I was just making payments until the balance was paid off.
I tried to make a payment yesterday on the Wayfair Comenity website. This payment is due today, XX/XX/XXXX. When I tried to log on, a message showed up stating that the account is closed and I should call customer service ( attached is the screenshot of the page ). I called the number and got a recorded message that gives me instructions to pay online, on the phone or mail it in. However none of the options work. The option for XXXX asks for the new account # which I don't have. This is not the original account number given when I opened the account. The new account number is the one established by XXXX. ( I did not open a new Wayfair account when they switched to XXXX ). I just kept paying the balance on the Comenity account. It also asks for the social security # which the system did not recognize I tried calling the new customer service number and the representative said that they only deal with the Wayfair XXXX accounts. I was on the phone with them for over 1.5 hrs and nobody could give me a phone number to call for the old Wayfair accounts.
This company charges {$29.00} for any payment made after XXXX on the due date. I am afraid that I will continue to be charged the late fee or worse, reported to the Credit Burea if I don't continue to make payments on the balance. How will I be able to do that when I don't even know where and how to pay? Please advise.
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.
09/19/2023
Yes
Credit 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
AR
72762
Web
In XXXX of XXXX I got a loan from XXXX XXXX to consolidate some credit cards, one of those credit cards being Comenity Bank/Bread financial .
XXXX XXXX has record that Comenity Bank/Bread financial 's payment was paid in full, processed and cleared on XX/XX/2023. CB/BF states they have not received payment. A XXXX XXXX representative and I spoke to a Manager named XXXX at Comenity Bank/ Bread financial on Friday to try to locate the payment. One of the managers we spoke with before XXXX stated that the dispute and billing department do not accept in bound calls and stated that the dispute I had opened in XXXX had been closed ; even though the dispute has not been resolved.
XXXX stated they needed a transmittal number and an ACH information form, which I sent Friday.
I have called CB/BF and spoke with at least 3 managers over the last several months and have explained how the payment was made via secure messages on their website, and this was the first time this information had been requested.
I also recieved correspondence requiring my account that had incorrect information in it.
CB/BF has informed me they have closed the dispute without resolving the lost payment issue, they are charging me late fees and interest. They were paid XXXX and that payment was processed and cleared on XX/XX/2023.
I am paying my loan to XXXX for this account and since CB/BF can not locate the payment, which is not the fault of myself, they want me to start paying payment to them even though.the dispute regarding payment has not been resolved. I have been fighting with them since XXXX of this year on this matter. XXXX suspects that the payment went onto someone else 's account, even though it was through an electronic payment with all of the credit card information on it.
I feel as though someone at CB/BF has found a way to steal from their customers.
12/12/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NM
87114
Web
I opened an immediate credit card at a XXXX ( XXXX XXXX XXXX Credit Card ) in XX/XX/XXXX ( approx XX/XX/XXXX ) to take advantage of a special offer. The total amount of the purchase was approx {$270.00}. I did not receive a statement, so at some point in XXXX I called them and they informed me that my account was past due. I had still never received a statement nor a physical credit card. I processed an ACH payment over the phone with a customer service agent approx XX/XX/XXXX for the entire balance. There was more than sufficient funds in my checking account to cover the transaction. I finally received a paper statement dated XX/XX/XXXX which showed that the payment on XX/XX/XXXX was " Returned Check '' with a corresponding returned check fee, additional finance charges, and late fees. I contacted my bank and they verified that there had been NO attempt to debit my account by this merchant. Clearly someone processed the information incorrectly at the COMENITY credit card company. I then called COMENITY on XX/XX/XXXX to have the fees removed and pay my full balance. I have paid the balance and have been stuck with finance fees, plus several hours on the phone dealing with THEIR MISTAKES IN THE FIRST PLACE. I feel their practices are predatory, and keep customers in the loop of more and more fees and charges with these accounts. When I asked to be connected to a supervisor, I was told to " call back ''. When I insisted to be connected directly, I was forwarded to a new number that gave me a menu that did not include an option to speak to a supervisor, and put me back in an endless phone loop.So, I had to leave the call. I was trying to work the issue with an actual supervisor at the company, but was left with no recourse other than filing this complaint, and additionally potentially complaining to the XXXX and our State Attorney General.
05/16/2023
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
CT
06484
Web
Older American, Servicemember
Comenity Capital Bank, dispute over credit card billing -- their reference no. XXXX XXXX Comenity Bank, purchased my credit card account in XXXX XX/XX/XXXX from XXXX XXXX XXXX. Comenity immediately bill me, for charges I'd paid earlier to XXXX.
We took issue with the charges in XXXX, and after XXXX hours, were told someone would return to us within 90 days. We continued to get billed from Comity with late charges.
After several hours over numerous phone calls, Recently last wee, I was advised by Comenity Bank to send in papers that show that we paid XXXX the amounts that they now claim are owed. The one exception was a bill for {$140.00}, from Comity which we paid as well, and enclosed proof of payment.
My recent letter to Comenity stated : " You will note that the charges you listed on your bill, are all found on the previous final bill from XXXX, credit card VISA, XXXX, which we paid in the amount of {$250.00}, as shown in an attachment, leaving a balance of XXXX amount owed XXXX.
We are lead to believe that you did not in fact receive from XXXX our account information well past the date we paid XXXX on the account listed in the attached XXXX bill.
We also enclose a letter from you dated XX/XX/XXXX, indicated you owed us {$6.00}, which acknowledges someone in your organization reviewed the account and concluded that you owed us money not the other way around. However you have been charging us late fees since we contested this with your agent in XX/XX/XXXX. We ask that you refund all amounts of late payment that you have billed us in connection with this account ad there were no late payments.
According to our records we owe Comity nothing at this time. Please correct your accounts. In the event you dispute this amount please forward our recorded telephone calls, so we can deal with this matter from the same set of facts. "
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.
04/25/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Privacy issues
MI
48197
Web
Comenity Capital Bank did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I XXXXay have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
01/24/2023
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Privacy issues
MI
48197
Web
Comenity Bank Forever 21 did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
09/13/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Problem with a company's investigation into an existing problem
Their investigation did not fix an error on your report
MI
48329
Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Update Credit Card Status to " Paid '' in Accordance with IRS Form XXXX I am writing to request that the status of my credit card account be updated to " Paid '' in accordance with the information provided on IRS Form XXXX for tax reporting purposes.
Account Information : Credit Card Account Number : Card ending in XXXX Credit Card Issuer : Comenity Capital Bank/Ultimate Rewards Credit Card Background : As part of my annual tax reporting obligations, I have received IRS Form XXXX, which reflects the forgiveness or discharge of debt associated with my credit card account. This form indicates that a portion or the entirety of the debt has been settled or forgiven, resulting in tax implications.
Request : In light of the information on IRS Form XXXX, I kindly request that you update the status of my credit card account to " Paid '' across all Consumer Reporting Agencies ; including XXXX, XXXX, XXXX, and all secondary reporting agencies-within your records and with the credit reporting agencies. This update is essential to ensure that my credit history accurately reflects the resolution of this debt, and it is consistent with the tax reporting requirements outlined by the IRS.
I understand that updating the status to " Paid '' is a standard practice when a debt is forgiven or settled, and it is essential for maintaining the accuracy of my financial records and credit history.
I kindly request that you complete this update promptly and inform me once the change has been made. Please provide written confirmation of the status change for my records.
Sincerely, XXXX XXXX XXXX
03/05/2023
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
GA
30019
Web
Servicemember
* XX/XX/XXXX - XXXXComenity Bank continued to charge me {$6300.00} plus {$15.00} interest for something ( a puppy ) that I never received or took possession of.
* I am being charged for a {$6300.00} store credit that was created by XXXX when I changed my mind about purchasing a puppy on XX/XX/XXXX.
* I initially visited XXXX on Friday, XX/XX/XXXX. A sales agent asked me if I was interested in knowing what the monthly payment would be on the puppy I was looking at. I said sure. I did not authorize XXXX to process a credit card application. I was subsequently told that I had been approved for a purchase. Three days later ( XX/XX/XXXX, after not picking up a puppy, I visited XXXX and informed the manager that I changed my mind. Instead of reversing the transaction, the manager told me that I had to accept a store credit and pay Comenity Bank. I do not have a puppy and I never took possession of a puppy.
* XXXX XXXX management informed me on Tuesday XX/XX/XXXX ( in the store ) and Thursday, XX/XX/XXXX ( via phone ) that I must pay Comenity Bank {$190.00} a month to pay off their {$6300.00} store credit for 3 years regardless of whether I ever use the store credit or not regardless of whether I ever get a puppy from XXXX.
* Comenity Bank sent me a XXXX credit card that I never activated. An adhesive strip attached to the credit card states " Call BEFORE USE to CONFIRM RECEIPT of your credit card and hear how to receive a {$20.00} GIFT CARD. '' * XX/XX/XXXX - I called Comenity Bank and disputed the charge on a credit card statement that closed XX/XX/XXXX, which I received in the mail. I was told that the matter would be investigated and I should get a letter in the mail within 30 days.
* When I told the Comenity Bank representative that I never activated the XXXX credit card, the representative said XXXX activated it in the store.
01/07/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CT
068XX
Web
XX/XX/XXXX - I made a payment to XXXX XXXX XXXX XXXX to pay the balance in full, {$96.00}. This payment was done through my banks pay bills feature XX/XX/XXXX - XXXX XXXX cut a check mailing the payment back to me, with a note that the account had a XXXX balance.
XX/XX/XXXX - I cashed the check and went to the XXXX XXXX portal and made the payment again. I then messaged them and asked that the late fees and penalty be removed. They argued that they never received the the first payment. I sent them my bank 's confirmation that the payment went through and a copy of the check they cut sending the money back and again asked that the fees and interest be removed.
XX/XX/XXXX- Not having heard from them I checked the account and they removed the fees and interest. They also put a credit on the account for the {$96.00}. I messaged them and told them to remove the credit and close the account.
XX/XX/XXXX - Comenity charged an old account ending # XXXX {$96.00} and left the credit on the original account ending # XXXX.
XX/XX/XXXX - I mailed them a letter asking them to net the XXXX accounts and closed both of them.
XX/XX/XXXX - I received a letter saying they closed the account ending # XXXX, but nothing about account ending # XXXX XX/XX/XXXX - I received a statement for account ending # XXXX, showing late fees and interest.
XX/XX/XXXX - I called and spoke to XXXX. I was told everything was closed and he would sent a letter showing both accounts closed. He sent a letter showing only Account ending XXXX was closed.
XX/XX/XXXX- received a check again returning the payment back to me. This check has not been cashed.
XX/XX/XXXX - I received another statement showing additional late fees and interest. I fined a XXXX XXXX XXXX complaint that they have not responded to. I am now receiving statements monthly with additional fees and interest
04/01/2021
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
PA
XXXXX
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
XXXXX
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.
06/15/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
FL
32836
Web
Around XX/XX/XXXX we opened aa Credit Account with Community Capital to shop on Appliances Connection Web-Platform. We ordered some appliances which were delivered very late.
XXXXXXXX XXXX never sent us an actual card, never sent us any paper statements. The only way to find out were, when and how much do you need to pay is to find their phone number online. On XX/XX/XXXX, I was notified by my credit monitoring service that a negative report for late payment was reported to my account. Per records I the payment was late back in XX/XX/XXXX. I called the creditor and they told that my payment in XXXX was late. I told them the XXXX have being charging my account automatically. In XXXX the creditor charged my bank account automatically twice for XXXX $ each transaction, even when the minimum payment was XXXX XXXX Specifically, on XX/XX/XXXX and XX/XX/XXXX ( please see the statement attached from XX/XX/XXXX ) Then another charge of XXXX $ was processed on XX/XX/XXXX.
In XXXX I checked my account I noticed that the creditor processed a refund dated XX/XX/XXXX I called the Creeditor and I was notified that their system charged my account twice so they issued a refund in form of a paper check. They asked for another card information, which I gave them and they have being processed payment automatically ever since from the same bank account. Me as a consumer I did everything that had to be done for my balance to be paid, when the creditor deliberately charges my account then issues refunds, stops charging my bank account and never notifies me of any payment issues and makes incorrect credit reporting 5 months after. The Creditor incorrectly reported a 30 days late payment for the month of XXXX which was never late. I filled a dispute with All XXXX credit reporting agencies twice already and Creditor still refuses to correct their mistakes.
05/08/2023
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
XXXXX
Web
I initially submitted a complaint against this Wafair, Comenity Bank, CFPB # XXXX, I was not satisfied with the results and their service, so I paid off the account as soon I could. XX/XX/XXXX, closing statement date showed a new balance of {$570.00} with a minimum balance of {$30.00}, stating, " Mailed payments must reach us by XXXX XXXX ET. '' On XX/XX/XXXX, Wayfair Comenity Bank received my payment of {$570.00}, continued to charge me a finance charge of {$7.00}, and continued to charge another for the next two months.
Each time I received a statement, I made several attempts to resolve this and was passed on from their new financial institution XXXX, back to Comeneity, who claimed they could not credit my account since it was closed! Please bot the referenced complaint above Comenity chose to close my account when it was in good standing! Each month I fought to have them remove the fees and was told it would be resolved, and when I asked for documentation, I received none.
In XX/XX/XXXX, and XX/XX/XXXX, I applied for a HELOC loan with XXXX XXXX and was declined both times due to these recent past-due delinquencies. I received a vague letter from Comenity apologizing and claiming to fix the error, but no mention of what error. Comenity Bank insulted me by sending check # XXXX dated XXXX for over {$2.00} to credit me for the interest I overpaid.
I have also attempted to dispute this thru XXXX, but they do not contact the creditor, only suggesting that I write a statement explaining my side, which is XXXX
Someone needs to hold both companies accountable! I've given XXXX more than enough information to overturn this decision, and they updated the inaccurate delinquency from 2 30 days late to 60!!!
My creditworthiness is ruined! I have NO delinquencies or past due accounts on my credit except for this inaccurate reporting!
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.
10/02/2022
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
NY
XXXXX
Web
Older American
XXXX refuses to do anything, I have even called and talked to someone and explained I can not make payments to Comenity and neither can hundreds if not thousands of others and XXXX states there is nothing they can do and will continue to enable Comenity to report us as delinquent over 3 months. Is anyone overseeing a bank that has had a systment shutdown since XXXX and credit reporting agencies that favor companies over individuals! I don't understand how these complaints can go unsolved. Why are we being punished with lower credit scores when Comenity is at fault, because we can't make payments! Also, on XX/XX/2022 Comenity sent this reply in regards to complaint XXXX : We previously responded to correspondence regarding this same matter with our letter dated XX/XX/2022. We verified we're reporting the account correctly to the credit reporting agencies. We're required by law to report factual information. The account terms are explained in the Credit Card Agreement. When payments aren't received, are made for less than the minimum required, or are received after the due date cutoff time, the account will become past due, and may be reported to the credit reporting agencies. As a result of our system updates, a hard inquiry was inadvertently added to the credit report. We requested the credit reporting agencies remove the hard inquiry. It may take up to 45 days for the credit reporting agencies to update their records. While conducting scheduled system updates, we have limited ability to access account information and service accounts. Additionally, our representatives may not be accessible and online account access is temporarily suspended. We are in the process of addressing outstanding technical issues and restoring full service functionality. Account information is fully protected while we work on completing the system updates.
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
299XX
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
208XX
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.
10/29/2022
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
32221
Web
Comenity Bank- Victoria Secret credit card.
Last reported XX/XX/2022 I am trying to close on a home and this is impacting my rate and holding up the closing process. I have made multiple attempts for over 2 weeks with NO resolve.
Ref # XXXX to XXXX told use automated system for a XXXX $ balance system update has prohibited from updating to credit report she stated.
Ref # XXXX XXXX helped set up portal said XXXX $ balance will show up in 24 hours fill complete a form to update bureau in 45 days.
Could not access portal called back representative? said I need to get a family member to help me log on since I have issues accessing portal with XXXX XXXX.
Family member has XXXX XXXX and could not access either received an error message each time.
Called on a three way with family member and representative XXXX XXXX up on us.
Ref # XXXX XXXX will going to submit urgent request to dept that faxes out the XXXX balance summary so this can be faxed to lender still no fax. XXXX also was aware there was an issue with the portal that information can not be accessed by customers. Called again today spoke with a rep and she said the Ref # XXXX XXXX to call back today promised to create a complaint sheet to coach the sr 's who provided incorrect information each time as well was to email this was an urgent matter to the fax dept and call back it is now XXXX XXXX and still no one has gotten back to me. This process has been going on for over 2 weeks now they are not reporting information to the credit bureau, the fax they say is broken and the portal does not work to access and down load secure statements. This type of service and behavior is not acceptable and is negatively impacting my interest rate and ability to close on my home. The Comenity company has given nothing but excuses, the run around and very poor service. Please help me.
04/01/2022
Yes
Checking or savings account
Savings account
Opening an account
Unable to open an account
VA
22314
Web
This is a follow up to complaint XXXX CFPB closed the complaint after the company refused to open an account for me and refused to tell me why other than unspecified " irregular activity and/or security concerns. '' Clearly these aren't real concerns. If they were real, they would tell you or me what they are. I have a right to know if someone believes I've done anything wrong. If it's based on a faulty credit report, I can get that corrected. If it's based on defamation, I can take civil action.
Most likely, the bank simply failed to do its job and made up a reason. The fact that they used " and/or '' tells you it's a form response and not a specific answer.
I want a specific answer. And if they won't tell me, they should tell you.
Why wouldn't they open the account?
What " irregular activity '' do they think they know about? What was it? What was their source for it?
What " security concerns '' did they have? What was it based on? Did someone on the dark web have my name and password. What is it?
If someone has committed identity theft on me, I have a right to know about it, so I can report criminal activity to the proper authorities.
As it is, the bank simply refuses to open an account for me and refuses to say why.
I also want to know if they are taking retaliatory action based on my complaint with you, the CFPB.
I did call them several times and warned them I would file the complaint with you if they wouldn't tell me why they wouldn't open the account.
Doesn't he CFPB have power to require the bank to either open the account or tell me why they won't?
Please do not close this complaint unless and until the bank answers with specifics as to what's going on here. If my financial standing is in jeopardy, I want to know why. If there is some false record about me in some secret file, I want to correct it.
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.
09/01/2023
Yes
Credit card
Store credit card
Problem with a company's investigation into an existing problem
Was not notified of investigation status or results
OH
454XX
Web
On XX/XX/XXXX I called Comenity Bank to settle a debt, I spoke to a guy and he offered for me to settle both debts I had with their company, one being Express and the other Victoria Secret. The payments were arranged to be debited out of my account on XX/XX/XXXX, and they were debited. A few weeks later I received notifications of a change to my credit score, the Express was zeroed out and Victoria Secret was still charged off with a balance. I contacted comenity and explained. The rep told me they applied the payment to the wrong account ( the payment was applied to a XXXX account that was discharged in XXXX ) and they would get it fixed. She stated it could take up to 45 days. I then called another month later, because I received a letter stating the payment was applied to the correct account and that was it. I spoke to another rep that stated the person prior did not word the investigation properly, on XX/XX/XXXX she opened another investigation asking that the investigator listen to my call and see that the agreement was to settle the debt for less. XX/XX/XXXX I called again and was told that the percentage the first person I spoke to was not enough to allow me to settle for less, I said that's the amount he told me so that's what we agreed to and that's what I paid. This is going on now month 4, they have reported to the credit companies again the payment that was meant to be a settled debt, they have re-reported my XXXX today 6 years on the accountthey applied the first payment to, on the very last phone call I had the supervisor told me I had 4 unpaid accounts, I told her those were part of a XXXX and she told me I am still liable for them. She would not tell me the out come of this current instigation, she told me it was closed on XX/XX/XXXX the same day I opened it. I just want this settled and closed. Please assist.
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
060XX
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.
01/27/2023
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
062XX
Web
I am writing, as instructed by the customer service rep who I spoke to at XXXX XXXX Credit Card ( Comenity Bank ), regarding erroneous credit reporting and confirmation of reversals of several fees that I incurred due to Comenity Bank charging me a {$2.00} finance charge on my credit account AFTER I paid off a {$270.00} balance to bring the account to paid in full. This {$2.00} finance charge continued to build late fees without my knowledge, until I received a credit report decrease notification of XXXX points due to this situation. The XXXX XXXX customer service rep agreed that it was Comenitys error to not apply my full balance prior to the finance charge of {$2.00} which was applied to my account AFTER I paid the balance to {$0.00}. Due to Comenitys error, I had all the fees reversed, which I am enclosing with this letter, and I am now requesting that you completely remove the XXXX and XX/XX/XXXX and 60 day missed/late payment reporting on this account to all 3 credit bureaus and report as paid on time for all months since I opened the account in XX/XX/2022, as this is not right and not fair, since I paid the balance in full before the next statement was issued. I need this done immediately as my credit has now been damaged because of this error. Comenity reversing all the fees and my balance showing as a CREDIT showing $ XXXX just further supports that this was Comenitys error.
Please respond asap after you have removed all delinquent reporting to all three credit bureaus.I have opened two disputes on this matter with XXXX, but all I get is that it has been " UPDATED '' but does not show the removal of the 30 and 60 day late reporting, which I need REMOVED from all three credit bureaus. I have perfect credit aside from this nonsense and I need it fixed ASAP. I have paid as agreed and to {$0.00} back in XXXX XX/XX/2022.
09/25/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
UT
XXXXX
Web
Comenity/Wayfair XXXX XXXX - This company ( Comenity ) increased my credit limit at my request. I began to order more items from Wayfair because at the time they had really good items. I made the fatal mistake of taking advantage of their no interest purchase on items over a certain price point. Wayfair nor Comenity were ever able to explain how it worked. One day I looked at my statement after making several purchases on this program, to begin paying them off. The statement showed the balances on the purchases much higher than I'd anticipated and the payments I was making should have been credited. Comenity finally said they credit the majority of any payments to regular payments and interest then to the purchase with a deadline on them! My statements showed that I had paid them down and some should've been paid off earlier ( I have every statement to prove it, too big to upload here ). When I made a really large payment months later, to pay down the balances before I knew any of this, it was not credited appropriately to those items or to the acct. as I was told. The chunky payment should've eliminated 2 items still leaving enough for a payment. We ended up in a huge dispute which NO ONE at Comenity ever resolved even when I put it in writing as they insisted. They cancelled my limit increase, placed it at my outstanding balance, never responded to any of my requests to acknowledge or resolve the disputes, then closed my card & charged off the balance due. Then they showed my balance as {$2100.00} & my limit as {$1600.00} which is FALSE AND INACCURATE! My limit was {$2200.00}, the balance at charge off was around $ 1,500+ because I refused to pay them until they corrected it. They refused to correct it hence the charge off & excessive fees. See attached statements with proof of the original {$2200.00} limit vs the balance.
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
XXXXX
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.
08/21/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Problem getting a working replacement card
SC
XXXXX
Web
Have contacted the company and tried to get a card reissued in XXXX, XXXX and XX/XX/2023. I was informed that because the information the company has on-file for me is different from what my current address is they will not reissue a card. Nor will they provide an account number by phone so i could register my account for PAYMENTS, making it hard to make payments on-time. I also requested this account number by mail so that i could set up auto payments but the statement arrived and the account number was still masked. this makes it impossible to make my payments on-time. because they will not provide me with any of my account information on a account that is current and i am the only one making payments. This company is also reporting this wrong inaccurate address to the three major credit agency which is even more problematic for me due to this information being inaccuracy. The address that is being reported from this company is an address that I did not provide to this company. So how ever they obtained this information is not from me. The address I provided when I opened the account and the address I provided when I updated my account should be the only information this company should have and should only be reporting the information I provided. Not information they have obtained from an outside source. Not only are they not reissuing my card that works they are also providing inaccurate information to my credit report and I have tried to dispute this information however because I have an open account with smile generation and they are the ones providing this information my disputes have closed with adverse effects to my credit report because the information is wrong. which is also causing me to miss opportunities to establish better credit because what they are reporting does not match what it match on my applications.
03/24/2023
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
98277
Web
Older American
Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX My XXXX credit card account was transferred from XXXX XXXX XXXX to Comenity in XX/XX/XXXX. On XX/XX/XXXXXXXX Comenity made a Charge Adjustment to my account in the amount of {$4600.00}. I immediately called them and disputed it. The first four Customer Service Representatives literally laughed and said I had to pay it. I finally spoke with a woman who looked at my account and said it was a " Known Issue '' with their computer system and that she would flag it to be resolved and removed. She stated that it normally could take up to 90 days to resolve but that mine should be settled within 30 days.
On XX/XX/XXXX Comenity sent me a letter advising me that they were researching it and that I would not be " paying on any disputed amount, applicable finance charges or fees during the investigation. '' I have not heard anything more from them. They did not even enter anything as a Dispute ID on their letter.
On XX/XX/XXXX they charged me {$62.00} in interest on this Charge and asked that I begin making payments in the amount of {$110.00} each month. I've spoken with 4 more Customer Service Reps. Each advise me to make the payments. The last advised me they had also found another account with a balance of {$6.00}. They said that this would complicate matters and that rather than 90 days it might take a month or two longer than that. But that I should make payments so that my account does not become delinquent.
I had two fraudulent charges against my XXXX XXXX with XXXX XXXX XXXXXXXX on XX/XX/XXXX. One in the amount of {$4600.00} and the other in the Amount of {$6.00}. They researched it and absolved me of any responsibility for paying for it. Comenity 's own records clearly show it as fraudulent charges.
Please have them remove these fraudulent charges and fees from my account
11/29/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
WI
53066
Web
XX/XX/XXXX : Received a billing statement for an account with Comenity Bank that I was unaware was still active. I previously opened this account to buy something on XXXX month special financing terms which ended in XX/XX/XXXX. The current billing statement showed 22 individual {$.00} charges which I did not recognize. Based on previous experiences with other creditors, this is a typical activity of fraudsters. This particular card issuer apparently lacks safe gaurds to identify this type of activity. Any other banks I have worked with would have called me to notify me of such illegal activity. The card was unused for years and then randomly has numerous small charges in a row. Seem 's like a red flag but I am no expert.
XX/XX/XXXX : Went to the card issuer 's website from my home computer which had a login and password saved on it for their website. I called the number on the website to report a fraud claim. Spent XXXX hours hold over the phone and was unable to report to their fraud department. The only person I was able to communicate with was through a 3rd party call center. I sent messages on XXXX and their online portal to call me and cancel the card. I was contacted via XXXX support then and was told someone would call me the following business day.
XX/XX/XXXX : I received a phone call today and was immediately put back into a phone queue with seemingly endless hold time. I've waited hours on hold for the past 2 days. I can not manage my workflow and keep waiting on hold so I have yet to report the illegal activity. It is not reasonable to wait on hold all day to report fraud. I have a job and a family to care for. This company should have the proper staff to accept fraud reports in a reasonable amount of time. I still have not reported this to their fraud department and can not wait on hold for hours to do so.
01/31/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
61761
Web
Older American
I was charged late fees on a Land 's End credit card account managed by Comenity Capital Bank because they had not received payment for a previous bill. So I called the company and told them my bank 's ( XXXX XXXX ) bill pay had sent the payment XXXX days before the bill was due ( XXXX XXXX ) and that I could send them a copy of the transaction. They agreed to waive the late fees and I paid the bill over the phone by giving them my checking account numbers ( XXXX XXXX ). I then cancelled the initial check which we all assumed had been somehow lost. I then got another bill with a returned check fee ( {$30.00} with interest ). When I called the company and talked to a supervisor he told be they had received the check XXXX XXXX, a full month after it had been sent by XXXX and that due to certain banking regulations the returned check fee couldn't be waived.
From my perspective there seems to be XXXX dubious practices here by the company : ( 1 ) they said they didn't receive my check in the mail for over a MONTH after it was sent by my bank ( and then they tried to deposit it AFTER I had paid my account in full ) and ( 2 ) they couldn't waive the returned check fee due to certain banking regulations that apparently apply only to Comenity. The latter was their response when I told them XXXX was willing to credit my checking account for the returned check fee.
I did file a complaint with the XXXX in XXXX, OH, which is where Comenity 's headquarters are located. That site indicates some XXXX complaints have been filed against the bank in the past XXXX years, resulting in the bank receiving the lowest possible accreditation rating ( F ) from the XXXX So I don't really think Comenity cares anymore and that someone, somewhere needs to protect consumers by either getting them out of the credit business or fining them, or both.
09/01/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
FL
32836
Web
Older American
To : Comenity Bank XXXX AND XXXX XXXX XXXX XXXX XXXX. I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
07/01/2023
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
CA
92058
Web
Servicemember
On XX/XX/2023 I asked my step dad to help close my store credit card account with Commenity Bank/Ulta Beauty . I had been behind on my payments by a month and they were continuously calling me.
At XXXX XXXX. XXXX time we reached XXXX at Commenity Bank and asked her what it would cost to pay the balance in full. We also asked that if we paid the account in full that they close the account. We had some questions about asking for a goodwill removal of late reporting to the credit bureaus which XXXX couldn't answer, so she transferred us to XXXX at XXXX a.m. XXXX time.
XXXX agreed to close the account if we would pay it in full. My step dad confirmed with XXXX the amount to be paid in order to close the account, she told us it would be {$270.00} to pay in full and close the account ending in XXXX.
Immediately after the phone call I lost all access to my account online, getting the message that the account does not exist. This helped me confirm the account had been closed.
The next month, around XX/XX/2023 I recieved a statement saying I had a previous balance of {$47.00} and that they had charged me a " late fee '' of {$37.00} and that the account remained opened.
On XX/XX/2023, my step dad and I called back to Commenity customer service and spoke with XXXX. She was very unhelpful, refused to look in to the matter. When we asked her why XXXX had taken our payment in full and not closed the account or mentioned any outstanding amount other than the {$270.00}, she told us, " I don't know, maybe she was a new account representative. '' We ended the call with XXXX by informing her we would be filing a complaint with the CFPB, FTC, local XXXX and any other relevant authorities for misleading predatory lending and collections.
We do intend to file complaints with the FTC if this matter is not resolved satisfactorily.
09/21/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Can't close your account
IL
610XX
Web
Locked my account for transactions as well as for existing re-occurring transactions on website and transactions were allowed to post. I called the the XXXX XXXX XXXX XXXX and the lady I spoke to didn't understand why the transactions went through. She said she reset the card and nothing would be able to post. I paid that bill, but was reassured that nothing else would post as long as my card was locked. Once again I receive a bill. I call again on XX/XX/XXXX to complain and tell them to close my card. I was on the phone for sometime with the lady, because she didn't understand how the transactions posted. She kept asking if I was sure I wanted to close my account. I stated yes severely times, and I asked for a conformation letter, which I never received. Thank goodness I never signed up for estatements or I probably wouldn't of notice charges went through again on XX/XX/XXXX and XX/XX/XXXX. I called again as well as sent messages through their website. I asked for this to be escalated as well as a formal complaint be submitted. I wanted to know how transactions post to a closed account. I was once again answered with an apology from someone as baffled as I was. I was told that they did see that my account had been closed and they didn't know how a transaction posted to a closed account. I thought this would of been cleared up ASAP, but no. On XX/XX/XXXX another transaction went through. So, again I message and called which takes a bit of time to actually get to talk to someone. Again I asked to talk to a supervisor and ask that person to go back through my calls as well as the messages that I sent. I was met with another apology and told that they would put through disputes. I again asked for a confirmation letter be sent out on my account being closed on XX/XX/XXXX. I still have not receive. Charges still on account.
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
136XX
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.
10/05/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
76182
Web
This problem is with the credit card for the store XXXX with comenity bank. In XX/XX/2022 I made my last payment for the amount that I owed which was {$100.00}. In this charge was including a late fee for the previous month. The payment was supposed to be made on XX/XX/XXXX ( because of inconsistencies with the bank and changes that they made, and I was never told, in which they told me that the payment was supposed to be made before XXXX and then XXXX and now XXXX ) The payment went through on the XXXX, and I was charged another late fee. For reasons that I was never told and because I never authorized as paperless statement, I never received a bill or email where I was told I had a debt with them. A couple of days I started to receive calls from the bank where when I responded, they hung up until I got through and they told me I owed them {$160.00}. All of this debt is because of late fees and interest. I called to try and solve this problem because I can not pay that total of late fees because of my economic situation. I would be ok with paying XXXX month 's worth of late fees, which I believe I should not have to pay since I already payed it when I payed the original debt. But I tried to come to an agreement with them, but they did not agree to that, which I believe is wrong because I believe that they are taking advantage of me because of my situation. From my understanding, late fees are only charged once and then interest fees are charged, not every month a late fee. I have reached out to you guys because I have already had problems with this bank because of extra charges and they are very difficult to come to an agreement with. I have reached out to you guys to see if we can come to an agreement as I am tired of paying late fees and interest because of irregularities with them. Thank you and have a great day!
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!
12/07/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
OR
97224
Web
On XX/XX/2022 I contacted Comenity Bank which takes care of account information for XXXX and other corporations. I reached out due to the fact that I could not make a purchase on XXXX XXXX website. I received an automatic message stating that I must contact Comenity to first validate my account. I called the provided number and spoke with a gentleman who stated that I just needed to update my information and then I would be able to make a purchase. He asked for my mailing address, my phone number, my account number, and the last XXXX of my SSN. He also asked for my income. I stated that I would update my income online. He endorsed that my account can only be validated if I provide my income. I provided him with my income. He then stated that he would need to do a soft credit pull in order to validate my account. I specifically asked him if it was a hard inquiry or soft inquiry. He stated that they do not perform hard inquiries and that I was a soft inquiry. I said that would be perfectly okay. Within XXXX minutes of ending the call, I receive XXXX emails from different credit bureaus stating that a hard inquiry has been performed. I called the same number back and asked to speak to a supervisor. The automatic prompt stated that the line would be transferred to a United States representative. I explained my concern to the supervisor and she stated that there was nothing that could be done and she was not sure why the gentleman would not know about the hard inquiry. She also informed me that my account was inactive and had to be reinstated. I was not told this information nor did I give Comenity Bank or XXXX XXXX permission to perform a hard credit inquiry into my credit report. I am writing because I would like my case to be investigated for illegal activity and to have the hard credit inquiry removed from my account.
11/28/2022
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
XXXXX
Web
Older American
Received the statement from XXXX XXXX XXXX account credit card with charges for XXXX XXXX XXXX XXXXXXXX ( XXXX ) for {$1.00} XX/XX/XXXX and {$99.00} on XX/XX/XXXX. These charges were not recognized by me, so I called the phone number and the person I spoke to said it was for a gym membership or fitness program that would be billed monthly in the future. I did not sign up for any fitness program and had no reason to do so as I belong to the XXXX and have access locally to any fitness programs that I need. The woman that I spoke to said that she could cancel the monthly membership, but could not cancel the initial charges, she did say that she could offer me XXXX XXXX XXXX for XXXX of the charge and when I said I did not want them, she said she could offer me her employee discount toward some XXXX XXXX XXXX something. I then told her that I was going to report them to the state Attorney general and she said that they would not be able to do anything about it. I then called Comenity bank who is the bank that the card has come from ( recently changed from the previous bank. I spoke to one XXXX who said he was going to transfer me to someone that could help and then the line went dead.
I did report this to the XXXX on XX/XX/XXXX via an email complaint.
On XX/XX/XXXX I called the XXXX XXXX card number and reported this to them. They started a fraud investigation and stated that they would cancel the card and send me a new one. Any resolution could take up to 90 days. I told them I did not want a new card, to just cancel the old one. We have paid the bill, minus the {$1.00} and {$99.00} charges.
I heard from the AG office today ( XX/XX/XXXX ) who stated that they were not the right agency, and that I should report this to the CFPB, and gave me the phone number. After calling, I decided to submit the complaint online.
02/09/2023
Yes
Money transfer, virtual currency, or money service
Domestic (US) money transfer
Fraud or scam
SD
57106
Web
Servicemember
We had a credit card that was originally with XXXXXXXX XXXX and then in XXXX it was sold to Comenity. When we got a bill to pay our credit card in XXXX. We paid it using our online bill pay to XXXXXXXX XXXX ( we had until XXXX to continue to pay to XXXXXXXX XXXX and they would transfer to Comenity ). In XXXX I noticed we had late fees and interest charges so I called XXXX and they said the money would get transferred to Comenity and to give it 1 or 2 billing cycles to resolve itself. XXXX payment also got paid to XXXXXXXX XXXX and we had the same issue. We got our online billing system fixed to the new address, new company and new credit card number for the XXXX payment. So, our XXXX and XXXX payments from 2022 have still NOT BEEN APPLIED. We have been fighting with XXXX XXXX and XXXXXXXX XXXX to find someone who would help. We received NO help until I reported XXXX XXXX and XXXXXXXX XXXX to the CFPB. XXXX XXXX still would not cooperate and after much frustration they FINALLY sent out the " trace number '' so we could prove we sent the payment in XXXX and XXXX. XXXX from the XXXX 's office at XXXX has finally confirmed that XXXX XXXX did indeed receive the payment. They are saying they sent to Comenity but we are back to square one and Comenity is saying they didn't receive and need a " tracing number '' to track the funds. It has been several weeks and to this day I have not received the " tracing number '' nor has Comenity received the tracing number and Comenity will not credit our account and they continue to charge late fees, interest charges and have been affecting my credit report ( which was XXXX before this event ). It has been 7 months now since we made our first payment. This is insane and frustrating. I proved we made our payment to XXXXXXXX XXXX and they have yet to get Comenity to credit our account.
09/23/2022
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
FL
330XX
Web
Servicemember
Hello, Submitting a claim against Commenity bank for threats, repetitive calling and harassment.
This company to date has called me more than 7 times in one day, and have called back to back. I'm well aware of the debt and tried to fix this with them a month ago when the employee who was trying to help me left me on hold for more than an hour, i have XXXX and don't have the energy or time to wait for someone to attempt to help me payoff a debt so i hung up. Since this date, i have had calls nonstop and its harassing me to the point i silence my phone XXXX. The calls start around XXXX XXXX, and have ended at XXXXXXXX XXXX XXXX XXXX
XXXX - XX/XX/2022 Commenity bank called from XXXX at XXXX, then XXXX, XXXX, XXXX.
XX/XX/2022 - XXXX, XXXX, XXXX, the XXXX This goes on like this for days since XXXX.
AS of today XX/XX/2022 - i answered the phone at XXXX from ( XXXX ) XXXX to try and clear ip the debt, however, the lady on the phone, was rude and aggressive and told me i will need a lawyer if i don't clear this debt today XXXX {$290.00}. I attempted to explain my father XXXX XXXX XXXX XXXX and that i too was XXXX and she cut me off, so i saw we were getting nowhere with her disgusting attitude and asked her to please call me back in roughly an hour/half at XXXXXXXX XXXX and she said, no I want and you need to clear this right now ect. i was unnerved by how nasty someone could be, why on earth would i continue the conversation if someone is threatening me over a lawyer and outright rude. I am aware of the debt and i am not going to tolerate someone harassing me while i am sick, and my father is in XXXX. People fall on hard times when they are ill and a little empathy could have helped this company go a long way.
I have screenshots of the numerous calls in one hour, and recorded the rude, nasty lady over the phone.
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
068XX
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
100XX
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.
01/29/2023
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
60440
Web
Servicemember
In XX/XX/XXXX, I paid off a promotion plan in full with the exact amount of XXXX ( see statement ). The entire amount should have been applied to the promotion. Instead, Comenity applied all but a certain amount toward another promotion plan. This caused the expiring plan to go past the expiration date with a balance. The account suffered the added balloon finance charge. When I noticed that the balance did not go down, I contacted Comenity to resolve the error. At first, it seemed like Comenity would strive toward doing the right thing, Instead, they reneged on an agreement to assist me and refused to make it right after several attempts and pleas on my part. I was left with no choice but to contact my attorney. The attorney attempted to reach out to Comenity twice and twice Comenity ignored my attorney. It wasn't until recently that Comenity sent a letter to my attorney stating they didn't know who I was. I contacted the bank on XX/XX/XXXX to find out what they needed and once again Comenity was not helpful. XXXX of customer service transferred me to XXXX in another department, who transferred me back to customer service where XXXX took the call. I explained for the third time what I needed and XXXX informed me that my account was frozen because an attorney contacted them. When I asked XXXX why was that the case, his glib reply was, " because that's how the bank works. '' when I asked XXXX for the previous year 's statements, XXXX proceed to assume I didn't know what I was talking about when I informed him that the statements were not visible on the site. XXXX proceeded to tell me to write a letter to their XXXX XXXX XXXX he had the statements on his screen. I still don't know why they could not identify me. According to my attorney, Comenity Bank is the worst company to work with to get customer resolutions.
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
07/12/2022
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
AL
36067
Web
For some time I have wanted to pay the XXXX XXXX XXXX XXXX ( Comenity Bank XXXX for several reasons : XXXX ) Difficulty paying online from my bank XXXX ) Harassment by constant calls XXXX ) Very high interest rates and charges.
On XX/XX/XXXX, I called the telephone system and was informed that my total debt was {$120.00} and I decided to pay it all to get out of this XXXX Last week I received an account statement with a debt of {$44.00} and when I call on Sunday, XX/XX/XXXX, the system informs me that it was {$85.00} ( XXXX and XXXX ).
The court date told me that it was XX/XX/XXXX, so I don't understand why they don't check the debt data until that day, nor considering that I haven't used the XXXX in a long time. The payment date was the XXXX, because it was difficult to achieve, since you have to have about 30 minutes to pay, it was not the only date that I had to pay late.
The amount of the charges that they included is greater than the minimum payment of the XXXX, so that way they have been charging money to my Card without my knowledge or authorization.
For my purposes, pay the entire debt on XX/XX/XXXX.
I received constant calls from Comenity Bank, at different times and several times a day, which I assumed was to offer me another XXXX. Normally, I don't receive calls that they don't have on record, so I don't receive them. The only way I could find out about the unauthorized charges to my XXXX was a delayed account statement until last week, otherwise they would continue charging their services, that is why I am making this complaint, because I want my balance to be cleared like I left on XX/XX/XXXX and not knowing more about Comenity Bank. In the same way, I hope that this does not affect my credit history, since I am a very responsible person since I have 3 additional XXXX that I use responsibly.
05/05/2022
Yes
Debt collection
I do not know
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
TX
76051
Web
I recently moved back to the United Estates on XX/XX/XXXX, after living in XXXX for over 13 years. I contacted a realtor to help me search for my future home, so she suggested I install XXXX XXXX which I did, and I found out about 1 Delinquency dated back in XXXX. It brought me a red flag that something was wrong because I was still in XXXX that year! I contacted the 3 Credit Bureau to start the Dispute against that fraudulent activity immediately, and we could process it without any delay. The company that opened that account ( without my authorization ) is Comenity Capital Bank which already had transferred that account to XXXX XXXX XXXX for Collection. However, thanks to the early approach to do the Dispute with the 3 XXXX, XXXX, and XXXX, I got a letter from XXXX XXXX XXXX on XX/XX/XXXX, letting me know that they have reviewed their records and gave the following updates : We have closed 'your account ( which is not mine ) and ceased collections. You have no further obligation regarding this account.
I honestly thought that the issue was erased from my credit report because XXXX, my personal Bank since XXXX, was able to give me a XXXX XXXX Credit Card ; however, my realtor emailed me a screenshot about some delinquency in my report and was unable to proceed with my mortgage correctly because of that issue showing still in my report? I decided to contact XXXX today to proceed with a Dispute to Comenity Capital Bank, and the representative from XXXX suggested I report this issue to this official site.
Please I need your assistance regarding this terrifying issue because I can not imagine that this activity could damage my dream of a smooth transition back to my home USA and my dream to purchase my future. I do not want to think that this could happen again to me or no one.
Yours Sincerely, XXXX XXXX XXXX
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.
10/11/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
PA
19143
Web
To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. These companies are blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing the organization to report any accounts on my consumer report therefore, the reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency 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 4 business days after the date of receipt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( 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. I DID NOT GIVE MY WRITTEN CONSENT TO THESE COMPANIES TO OBTAIN MY PERSONAL INFORMATION. Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.
09/08/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Problem with a company's investigation into an existing problem
Their investigation did not fix an error on your report
CA
94568
Web
Under the provisions of the Fair Credit Reporting Act ( FCRA ), the following accounts have violated my federally protected consumer rights to privacy and confidentiality, as stipulated in 15 USC 1681 : I have initiated a request with XXXX, XXXX, and XXXX to reevaluate the accuracy of the following accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX # XXXX, XXXX # XXXX XXXX
However, their response indicated that these accounts were reported as complete and accurate. This assertion raises concerns, particularly regarding discrepancies in the open date, date of last activity, and other pertinent details.
In accordance with 15 USC 1681i ( 5 ), it is incumbent upon these agencies to amend inaccurately reported accounts. 15 U.S.C. 1681 Section 602 A asserts my fundamental right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without my explicit written instructions.
15 U.S.C. 1681c ( a ) ( 5 ) prescribes that no consumer reporting agency may include certain adverse information in a consumer report, with the exception of records of criminal convictions that precede the report by more than XXXX years.
Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no person shall provide information related to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.
Additionally, it has come to my attention that these agencies are not in compliance with XXXX XXXX credit reporting standards. If these accounts are accurate why have they been removed from some credit reporting agencies but not all. It does not make sense! I have no contract/dealings with these companies. I I possess compelling evidence to substantiate my case. Please fix this immediately!
05/17/2023
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Delay in processing application
NY
11208
Web
On XX/XX/2022 I applied for the XXXX XXXX XXXX with Comenity Bank. I received a hard inquiry through XXXX and began the waiting process for my approval/denial letter that was stated in the site to be received between 10-14 days. I never received a letter. I called and was told to wait a few more days for the letter. Weeks had passed and I didnt receive anything. I contacted them again and asked to speak with a higher up and I was told that I never applied for their credit card when I did, I told them, If I didnt apply why did I receive a hard inquiry?. I was then told to apply again on XX/XX/2022, and the same thing occurred. So after waiting weeks, I called and they still had no response for me. Finally, after calling and after the window of time of the approval or denial process they sent me a letter of denial. I called and spoke to a higher up after numerous of times and they had no answer for me. They didnt want to fix the issue and I ended up contacting XXXX and a representative agreed that they should remove the hard inquiry if I never received a approval or denial letter and since they stated that in their database they had no information that showed that my application ever existed. The representative of XXXX sent a letter to their mailing address and I never received a letter back from Comenity bank. I contacted Comenity Bank regarding an update on the letter and I was told by a representative that I would have to keep sending letters until they responded. And I explained that I have been waiting months, and their response to me was to continue sending letters anyways. I have been dealing with this bank for 8 months already and they have shown to be unorganized and irresponsible with the application process. They stated that they had no way of helping me and have not given me a response ever since.
05/05/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
CO
XXXXX
Web
We obtained an NFL credit card years ago to allow us to finance our season ticket purchases for six months with no interest, along with earning rewards for those purchases that can be used as statement credits. In the spring of XXXX, the issuing bank for the card changed from XXXX to Comenity. The same benefits were advertised, both on the card website and on correspondence we received when the new card was issued - 6 month, 0 % financing on purchases over {$250.00}, and 3 % rewards on NFL purchases. We have had a very difficult time getting the bank to follow through with giving us those benefits.
XX/XX/XXXX - {$730.00} purchase of XXXX XXXX season tickets. Should have qualified for 3 % reward as an official NFL purchase, but only 1 % given ( XXXX points instead of XXXX ). Should have qualified for six months, 0 % interest, but treated as a regular purchase.
XX/XX/XXXX - {$730.00} purchase of XXXX XXXX season tickets. Once again given 1 % reward instead of 3 % ( XXXX points instead of XXXX ) and not given promotional plan.
XX/XX/XXXX - after numerous messages and phone calls, purchases were put on 6 month promotional plan and interest charges were reversed. However, rewards were still not corrected. We filed a dispute about these rewards around XX/XX/XXXX, which has still not been resolved despite the company 's statement that it would take " up to 90 days. '' XX/XX/XXXX - {$850.00} purchase of XXXX XXXX season tickets. Given 2 % reward instead of 3 % ( XXXX points instead of XXXX ). Once again, not put on promotional plan is it should be.
I sent messages through the card 's website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, made phone calls on multiple dates and sent a letter through the mail on XX/XX/XXXX, but can't get the company to resolve this relatively simple issue.
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.
11/08/2023
Yes
Credit card
Store credit card
Problem when making payments
You never received your bill or did not know a payment was due
SC
291XX
Web
I always pay my bills on time. Comenity Bank has taken over XXXX XXXX and has not sent me a statement. I normally pay all my bills by money order so its very important that I receive my statements because this is how I know to pay my bill. I don't online pay any of my bills.
Even though I have not received a statement I called to get the address on XX/XX/XXXX so that I could send my payment off in time to reach the bank. The payment was mailed on XXXX XXXX.
On this particular day I sent 3 bills out in the mail. The other two have posted as paid but not the one I sent to Comenity. The address that the lady on the phone gave me is Comenity Capital Bank XXXX XXXX XXXX XXXX TX XXXX. This is where I sent my {$100.00} money order.
I don't know why this payment hasn't posted since the other two that I sent on the same day reached their destinations. It may have something to do with the fact that I have never received a statement from Comenity Bank about my payment but whatever it is it's on their end and not mine.
When I called today, XXXX XXXX, 2023 the person I spoke with said I would most likely get a late fee if they don't receive my payment by Friday, XXXX XXXX. I reminded her that I never received a statement and that a late fee is unfair because Comenity Bank didn't do their part by sending me the statement ( acrually they haven't sent anything with my new account info ).
I should not get penalized while they try to figure out why I haven't received a statement or any new account info from them. The bigger issue is that I do not want my credit score impacted because of their slackness. Why should my credit take a hit because of this bank transfer. I have NEVER been late on any payment that I have. As a bank they know how lateness negatively affects the credit score. They need to get this fixed ASAP.
10/09/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
PA
19104
Web
To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Your company is blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing your organization to report any accounts on my consumer report therefore, your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency 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 4 business days after the date of receipt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( 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. I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY PERSONAL INFORMATION ) Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.
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
08/13/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Public record information inaccurate
IL
60411
Web
Servicemember
my complaint is in regard to my account with the XXXX XXXX through Comenity Bank. They have been falsely reporting that I had a delinquent account with them since XXXX of 2022. I had made a payment in XXXX for the amount of my entire amount of the account of {$610.00}. i now had a XXXX balance. The company had charged me interest on my old balance, even though it was paid, and never notified me. Until XXXX of 2022 I had no knowledge of there being a balance on the account until I had had received a notification from credit Karma that my score had dropped XXXX points due to a delinquent account of XXXX days, and upon logging in and checking I found that it was comenity bank. when i called their customer service and spoke to them about my situation, it was determined that due to a billing and/or clerical error, i had not been responsible for the account delinquency, and that by XX/XX/XXXX of 2022 my account would be rectified, and returned to normal status as well as receiving a credit for the issue. I received the credit on XX/XX/XXXX as promised but saw no change to the reporting to the credit bureau. Knowing credit reporting changes take some time i did not fuss, and about a month later in XXXX of 2022 I decided to take advantage of the + {$200.00} credit I received and made a purchase of $ XXXX, and with the credits I received on the account, and with what is on my last statement, I should only owe {$220.00}, and my utilization of the card would be at 47 %. Literally the day after my purchase, and use of account credits, my credit limit was dropped on the account by {$250.00}! changing my utilization rate from 47 % to a credit damaging 97 %! this if an unfair business practice and fraudulent. upon seeing this I contacted them yet again and they told me all I can do is dispute it to the credit agency.
03/16/2020
Yes
Payday loan, title loan, or personal loan
Installment loan
Charged fees or interest you didn't expect
FL
341XX
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.
11/27/2023
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was result of identity theft
MI
48174
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 XXXX XXXX Comenity bank this debts are not mine. I have enclosed proof of my identity and a copy of my FTC 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 notify these businesses and tell them the debt is the result of identity theft.
All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus 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 : 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 : Inform XXXX XXXX / comenity bank 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
07/12/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NJ
079XX
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
208XX
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
390XX
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.
05/25/2023
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
IL
60612
Web
There are XXXX charged-off accounts being reported on my credit report for three different retail stores, all financed by the same bank ( Comenity Bank ) XXXX I've sent several written letters, most recently on XX/XX/2023, asking that the charged off accounts be deleted entirely from my Credit Report.
As detailed by the IRS via www.irs.gov- a creditor files a form 1099c ( Cancellation of Debt ) when they charge off a debt greater than {$600.00}. When debt is written off by a creditor, the form 1099c classifies the written off debt as taxable income of the debtor. Thus, these charged off accounts have been added to my taxable income and I have paid taxes on said income. As a result, the XXXX charged off accounts on my credit report must be deleted entirely, as they are inaccurately reporting these accounts on my consumer report. I have written to Comenity Bank asking that they provide me with a copy of the 1099c forms for each charge off on my credit report, so that I can forward it to the three Credit Bureaus as proof of the written off amounts being taxable income and I have forwarded the corresponding information to XXXX, XXXX and XXXX, to no avail. I have followed up in writing to the XXXX Credit Bureaus and the continue to update it as accurate. My consumer rights are being violated, as they are inaccurately reporting information on my consumer report.
After Comenity Bank recently received my complaint in this regard, the inaccurately reported the information as valid, failed to remove the charged off accounts from my credit report, and decreased my spending limit on an open card that I have with them, causing my consumer report score to drop further, in retaliation for my complaint regarding the inaccuracies. They are predatory and need to be held accountable for these disgusting practices.
07/30/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
AR
72712
Web
I paid the statement balance on time in full ontime I want the additional money they charged me over the product purchase price.
Then the company sent me a notice saying it was late I've been called in again and the guy said he was going to waive the late fee and I would pay the statement balance and he told me how to put it on auto pay.
There's only ever been one purchase on the card, it was already supposed to have been paid off once and then they waived the fee after they mistakenly said that it was late and then paid it off again.
Now I keep getting text messages now saying I got a {$120.00} bill for the same thing it's already been settled twice, then they said they'll wave the late fee and charge me {$89.00} Then I was like wait a minute what are you talking about this original purchase at this store was just {$22.00} and change and already paid in full.
The fact that they already had my payment information is the evidence that I never was late. Each conversation we talked about paying the entire statement balance and each time they would just send a new bill, then I would call back and they would say that they're waving the late fee and going to pay the statement balance and the one time they did charge me was for {$35.00} which is not what we spoke about it was supposed to be the purchase price of the product.
I want my account closed down and I want any additional money that I paid over the purchase price for the product back.
When they had sent the last two notices, after it had already been settled twice I tried to call the phone number on the credit card and the number just had this answering machine message saying their phones were down and this was for two different calls over the course of a month during XXXX mostly This company is very deceitful and should be closed down.
02/28/2023
Yes
Credit card or prepaid card
Store credit card
Credit monitoring or identity theft protection services
Billing dispute for services
FL
33322
Web
On XX/XX/XXXX, I opened a credit card with Jared the XXXX of Jewelers store, issued by Comenity Bank. On XX/XX/XXXX, I called Comenity Bank and asked for the total balance due, because I wanted to pay off my credit card. They provide me with the information of {$320.00}. I made the payment over the phone and I paid off with my debit card from XXXX. On XX/XX/XXXX, I received a phone call from collection department stating that I have a remaining balance of {$39.00} and it was past due. I asked why I owe them {$39.00} if I paid off my credit card on XX/XX/XXXX? She said, the {$39.00} is for the credit card fees that were not included when the amount due was given. I asked the lady to put a manager on the phone. She put me on hold for a long time, and when she came back, she said that they were going to remove the fees. It seems that they incurre after the payment. She realized then that I actually had a credit. Also, she stated that by XX/XX/XXXX, a letter will be arriving with the notification of XXXX balance due. I never received the letter and I never bothered in calling them. I trusted the lady and since I paid them off, I just let that go, meaning the letter. On XX/XX/XXXX, I noticed a missed payment on the XXXX XXXX - credit score information. I called XXXX right away thinking that they have me as missed payment. They advised that they were not, but some other creditor did. I called XXXX and I opened a complaint to investigate which creditor did that. I received a letter on XX/XX/XXXX from XXXX stating that they concluded the investigation showing that Comenity bank/Jared credit card still have me of being late 30 days. I want this creditor to hire qualified customer service, because we consumers are paying the consequences. This is impacting my credit report/score because the miscommunication.
10/17/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Getting a credit card
Problem getting a working replacement card
MA
019XX
Web
Older American, Servicemember
In XXXX we received a letter from XXXX XXXXXXXX XXXX informing us ( not asking ) that they were discontinuing their affiliation with XXXX XXXX XXXX card and " sending " our XXXX XXXX card to a new bank. Comenity Bank. The new card form Comenity was promised to arrive by XX/XX/XXXX because the XXXX XXXX XXXXXXXX card would no longer work as of XX/XX/XXXX. It did not arrive by either date NOR by XX/XX/XXXX when I returned home having been away without either card. Not only that but we no longer have ANY access to the account we had with XXXX XXXX XXXX including statements, history or other. The running balance we had was to be transferred to the new card and we would pay that bill when it arrived. On XX/XX/XXXX I called since the card was not here now 5 days past promised date and was told they would send it by mail 7-10 days. That could well put it past my due date for payment since I will have a balance SO I demanded it be sent by XXXX or XXXX for faster service since they left me with NO card. I was told I would have it in 24-48 hours. I have also used the chat feature on their website with no success since they want an account number. It is now XX/XX/XXXX NO CARD! I can not create an account to pay my bill and cancel the card because I HAVE NO CARD! We are worried about your good credit history and how this will ruin it. We're also worried about fraudulent activity, missing payments and being stuck without access to credit and this account.
And where pray tell is the FIRST card they say they sent. ... lost in the mail with the ability for someone else to use it? Did they not send it?. I can't even check to see if there is fraud because again I HAVE NO CARD or account number. In my call of XX/XX/XXXX I asked for an account number so I could create an account and was told they could not do that.
01/23/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NJ
085XX
Web
Since XX/XX/XXXX, I have attempted to resolve this issue with interest charges of XXXX months that are not due. This company has continued to give me the run around and keeps pushing the date further and further down the calendar. Now I know why - because they think they can push this issue off on another company- namely XXXX XXXX. Because of their incompetence, they have been fired by XXXX XXXXXXXX, and replaced with XXXX XXXX. I received a letter from XXXX Capital One stating that they are transferring my account on XX/XX/XXXX. Now I understand why Comenity Bank has been stalling for well over XXXX months to get the XXXX months of interest totaling XXXX in a check to me- this was reported to them on XX/XX/XXXX- they have gone way past the XXXX days they are allowed to look into and resolve this problem. They think that by stalling until that date, they can just transfer this problem to another company - a problem that they created and they need to resolve NOW - no more time should pass since they have already had over XXXX months to resolve the problem- but all they do is compound it! I have filed previous complaints with your CFPB and they just keep saying they are working on it. This is working on it - working to get it off their books, and burdening another bank with the problem they created. They sent me a XXXX check and told me in XXXX that until I cashed that check, they could not send me the XXXX months of interest they incorrectly charged me- I cashed the check XX/XX/XXXX and it is now over a month, but they now tell me that they are still working to resolve the problem, which is a lie, because I have correspondence from them that they already resolved it - they credited my closed account and still refuse to send me the negative balance- which is the XXXX months of interest they owe me.
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
198XX
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.
08/31/2023
Yes
Credit card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
MO
63303
Web
Earlier this year, I signed up for the XXXX XXXX credit card through Comenity Bank as I was going to be having some repairs done. The guy at the shop explained that I would have 12 months, no interest, for my purchase as it was over the {$750.00} threshold that was required. So I signed up for the card, as this would let me spread out the payments a bit. I got the card, which included documentation of the {$750.00} threshold. When I made the purchase, the guy at the shop said he was only able to select 6 months no interest, and that I simply needed to call the Card customer service and have them update to the 12 months. Sounded easy enough. But when I called, I got all kinds of run-around. They tried to blame it on the shop, when it wasnt the shops problem. Then they said they would look into it. I subsequently sent them a picture of the documentation that I received WITH THE CARD that showed the 12-month 0 % at the {$750.00} threshold. They chose to ignore that information, and took every bit of 3 months to close the case without addressing the problem. So I called them back. The lady said she didnt know why it had been closed without it being corrected, but that I should send a secure message to have them re-open it, and re-send the previous documentation. So I did that. I received a letter shortly after that saying that they werent going to honor the 12 month promo that they advertised and sent me documentation of ( which seems fraudulent at best ). They did not give a valid reason for not honoring their agreement. Subsequently, I submitted a complaint through the XXXX and the company told them that they would contact me directly for further steps ; that was over a month ago, and they have not. The 6-month promo that they did give me is about to expire, so I need this resolved expeditiously.
07/08/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
MD
21158
Web
On XX/XX/XXXX at XXXX pm. I received an email from Comenity Bank that read, " Putting your mind at ease about your payment due. We know the recent system outage has been frustrating .... '' I made two payments electronically from XXXX XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) and neither has been received by Comenity as of today, XX/XX/XXXX. Both payments are reflected in my bank account.
Since I received the email on XX/XX/XXXX, I started checking my Comenity acct each day. On XX/XX/XXXX I tried logging into my account and could not. I tried calling and would only get a answering machine XX/XX/XXXX I could log on and see my charges and my balance, but no one would answer at Customer Service.
XX/XX/XXXX after XXXX pm I finally spoke with a Customer Service person. They suggested I make another payment. Why would I make another payment when the other two have not been credited to my account? I asked to speak to a Supervisor and spoke to someone named XXXX. He kept saying there was a system update and assured me I would not receive any late fees, but could offer no timeline for the issue to be resolved. I have a suspicion that there is something else going on. No credit card company would have their system down for this long to receive payments and inconvenience their customer base. I called BJ 's XXXX ( Comenity is their bank ) and let them know what was going on and they were aware and said it has been going on for three weeks! BJ 's put me through to Comenity and immediately they want me to send another payment. I will not send a third payment until the other two are reflected in my balance. I feel like something else is going on and not just a " system update. '' I'm guessing our data has been breached and they are not telling us. This is beyond ridiculous at this point and I need help.
07/22/2021
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
FL
334XX
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.
07/24/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
GA
30253
Web
I purchased jewelry from XXXX 's XXXX in XX/XX/XXXX. The total amount I purchased was {$8000.00}. My promo plan was for 18 month no interest. I have always paid my bill on time and never missed a payment. XXXX of XXXX my promo plan had expired. I had just made a payment in XXXX of {$250.00} not realizing that promo plan was expiring. At that time my balance {$1200.00}. My balance on the account was {$1000.00} after my payment. Two days later I received notification that there was a large amount charged to my account. I contacted Comenity Bank and was told that I had been charged {$3000.00} of interest for not paying account in full I was charged interest in for the whole purchase of {$8000.00}. I explained to them that I was totally unware that the promo plan was ending. I just log on to the account and submit payment. I was told that if I looked at the bottom of the statement it would have told me. I asked if the could work with me to reduce some of the interest and they said no. I told them I would think about closing my account because they were not willing to work with me. A couple days letter I received a letter that they closed my account.
I have made payment for XXXX. In XXXX I decided to pay off the account my balance was {$3900.00}. I payed two payments in XXXX ( XXXX ) {$250.00} ( XXXX ) $ XXXX which would have given me a - {$75.00}. I called in and spoke with a Rep and she said we would have a supervisor call you back to issue you a refund. A couple days letter I got a statement in the mail stating that I had a balance of {$15.00}. They had charged me {$90.00} in interest again. My account had a credit how could I be charged with interest again. I contacted Comenity several times and spoke with several reps and I was told that I owed that balance and there was nothing they could do.
07/20/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Unexpected increase in interest rate
MO
65201
Web
Older American
Dear Sir/ Madam, Please find attached some documents regarding my complaint.
I have had an account with Comenity Capital Bank for several years and have always made my payments on time. This card offers interest free loans for certain number of months for dental work that is not covered by the insurance. I had some dental work about almost {$3000.00} at the beginning of XXXX ( not sure of exact date ). The credit card company had my account as paperless and just sending me reminder emails for my payment. As you can see I have always paid over and the minimum payment thinking I would pay it off on time. If the loan was promotional and only for so many months, an honest organization would divide the amount by the number of promotional months and show that as the minimum payment. But this organization had some strange calculation of minimum payment which was a different amount every month. I kept making my {$150.00} payments and according to my calculations it should have been paid for this XXXX of XXXX. I call customer service and to my surprise found that the promotional time was up in XXXX of XXXX and they charged me over {$1200.00} in interest and when you see the transaction document now they are charging interest on interest. If they have send me a reminder in XXXX to either pay this amount or we will charge interest from the beginning I would have paid it instantly. But they were hoping for me to pass that date so they could collect interest dollars. I am XXXX XXXX XXXX, taking care of my XXXX XXXX son and dont have time to read every fine print. I emailed the company on XX/XX/XXXX and followed up on XX/XX/XXXX with no response.
I hope you can see the unfair practice of this company and help me with this situation., Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Cell XXXX
07/08/2023
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
IL
60440
Web
Back in XXXX of 2022, there was no announcement that Comenity Credit Card was going to shut down their payment processes online. There was no way to log in to see what was being billed, there was no way to make a payment, not even by phone. Then when I found out " XXXX XXXX '' was opened in XX/XX/2022 there was still no representation of statements of bills and no way to know how much was being charged to my account. There was no announcement that the website was back up. As of now, I can see statements, but not all of them are accounted for XX/XX/2022 is missing. I have been trying to make payments and sent Comenity two physical letters from my bank stating the payments were never tried and have not heard back from them on this specific topic. I have been charged for " chargebacks '' saying Comenity tried to charge my bank but it never went through. None of the payments I scheduled went through the day I scheduled them to go through. I have been charged late fees that have added up to over {$200.00} on my credit card. I asked to have them removed, but no response was made until today XX/XX/2022, and was just simply told I did not qualify. Other customers of Comenity were subjected to waived fees and charges. I have reported them to the XXXX, but nothing was done and no reports or changes have been made. I have also received a " bill '' in the mail explaining my account was closed due to the supposed sent-back payments.
Since XX/XX/2022 I have not received a physical letter, bill, or email stating their apology, or updates on the interest I should not have been charged, and they still continue to charge interest and late fees to this date. Nothing was done on their part with the last case so I am making a new case. No apology, no explanation was given, and no charges were stopped or managed.
02/14/2023
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
OH
44024
Web
COMPLAINT ABOUT XXXX XXXXSURVEY XX/XX/ The first rep I spoke to said he could not hear me. So I spoke up. He said he still could not hear me, so I ended up yelling. He then said he could hear me. After a bit of time, he had the gall to tell me to stop yelling. I WAS YELLING BECAUSE HE COULD NOT HEAR ME. Ended up hanging up on me.
I do resent the fact that I spent over 90minutes of my time and still did not get my issue resolved. I DO NOT EVER WANT TO DO BUSINESS AGAIN DUE TO THE XXXX WAY XXXX XXXX DOES THINGS.
Know what each can do. I sent a chat to the store to find out my balance. I was told they could not help me and gave me an invalid comenity bank website. I tried and tried and tried and tried to get into the bank site. I finally got in after what seemed like forever. After the second rep gave me 2 emails with the correct site link. After what seemed like forever, the second rep finally told me that he could not help me and was on the phone with the store. The store that said they could not help me. He finally got back to me saying there is a whopping {$.00} on a gift card. The major problem with that is that no one can tell me where it is. IT IS A SERIOUS SHAME THAT XXXX XXXX DOES NOT CARE ABOUT THE CUSTOMERS TIME.
I had contacted the Consumer Financial Protection Bureau regarding another issue with this XXXX customer service. They were told that a credit of {$32.00} had been applied to my account. When I asked the second rep, he could not locate that credit.
I will be contacting the consumer financial protection bureau again about this. MAYBE XXXX XXXX WILL NOT WAIT 6+WEEKS BEFORE REPLYING TO THIS COMPLAINT LIKE THEY DID THE FIRST ONE.
Thank you for taking the time to complete this survey.
Your opinion is very important to us, and we truly value your feedback.
LIAR, LIAR, LIAR
03/20/2021
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Charged fees or interest you didn't expect
NJ
070XX
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.
05/06/2022
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
48329
Web
This now I have been fighting with and I have writtten emails and responses. This is COMMENITY bank overstock store cardI have Other commenity store cards that over the last 2 yrs my credit line has went up even in XXXX of 2021 applied at a different store and my credit line was opened at XXXX dollers. so why commentiy decreased my over few months and in XXXX decreased is to XXXX dollers never missed a payment and every time I ask WHY? write a letter I did got the same generic response due to info recieved from one of your credit repoerting agebcys... CONTACT them. What I reply why? so I do then am told what I know as my score ans all is correct I need to contact them. I reply I was told to ask you what info you send to them. NO NO NO mae We update what we recieve not the other way around contact the card issuer. I do again and told again contact your credit buerous. I do again I am told they have nothing to do with sending any information contact credir issuer. I have did this and Like I said have proof run around not since XX/XX/2021 no answer. also I asked ok I know what ever your doing is incorrect I know my credit score you might have me confused with someone else. I was tols again write a letter I recieve same generic response. also I ask WHAT ID I JUST REQUEST a limit increase so you can get current info. Is it a hard or soft inquiry? commenity response.. ( I dont know ) contact your credit bureau ... What again going in a circle. You dont know? No we dont have tht info write letter or secure email wich I did and again same resonse. So DONT THEY HAVE TO TELL ME IF IT IS A SOFT OR HARD INQUIRY>???? Before I do that? And there information is wrong it makes no sence. and my credit bureau HAS NOTHING TO DO WITH IT How they keep telling me ask XXXX, XXXX and CONTACT XXXX for questions ....
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
548XX
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.
04/10/2023
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
20148
Web
I placed two orders with the clothing store New York & Company ( order dates XX/XX/, XX/XX/XXXX ) using their New York & Company RunwayRewards Credit Card by Comenity Bank. I returned those orders within a day of receiving them but have yet to receive a refund. As shown in the provided XXXX tracking numbers, NY & CO has received all returned items. Despite confirming receipt of all returned items, NY & CO has failed to provide a refund or an explanation of why a refund has not been issued in over 30 days.
I started requesting a status of my refunds on XX/XX/. During a telephone conversation with NY & CO customer service, they indicated that a deduction of {$9.00} is applicable to my refund amounts.
On Tuesday, XX/XX/, I contacted Comenity Bank ( Bread Financial ) to file a dispute regarding these transactions since the store failed to provide a refund after receiving the returned merchandise. Their representative refused to file a dispute for these transactions stating that I could not file a dispute because the merchant was known to me, and because I authorized the charges. She also stated that I would continue to incur finance charges against my balance. I explained to the representative that despite authorizing the charges, I was disputing those amounts because the merchant had received their merchandise and failed to provide a refund. This bank still refused to initiate disputes for these transactions. On XX/XX/, I received an interest charge on my statement for these purchases. At this point, this bank is making money off of purchases that should no longer be on my account, as well as refusing to file a dispute on my behalf.
It seems unscrupulous for a financial institution to refuse to dispute transactions for valid reasons while also charging interest for said transactions.
07/26/2021
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
NY
XXXXX
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.
02/02/2023
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
CA
91335
Web
I am a victim of identity theft. On Wed XX/XX/XXXX I was notified via email by my XXXX XXXX XXXX alert that there was an account past due payment. Upon further inquiry into the report, it was revealed that a credit card was fraudulently taken out in my name and charges were made without my knowledge. I did not make the charges. Below is the following information in the notification : It looks like a lender has marked one of your accounts as delinquent. This happens when an account is more than 30 days past due.
Keep in mind, we monitor all accounts on your credit report, not just the ones you have with XXXX.
INFORMATION FOUND Lender : COMENITYCAPITALXXXX Current balance : {$1100.00} Status : Past due 30 days On the same day, XX/XX/XXXX, I then contacted XXXX credit to notify them of fraud. A notice was added to my account and cross reported to the other credit bureaus, I was informed to file a report with FTC.gov I contacted COMENITYCAPITAL/XXXX XXXX and notified them that there was a fraudulent card and charges in my name. I was advised to call the fraud department at ( XXXX ) XXXX. I called the number advised and was on hold for more than two hours with no response from an agent. I made numerous attempts to reach an agent in the fraud department with no avail.
I am seeking resolution of this issue so that I will not be held responsible for these fraudulent activities to my account due to identity theft. I ask that the delinquent and fraudulent charges are blocked to correct my credit report. I did not take out this line or credit and am not responsible for any of the reported charges to this credit account.
I reported the theft of my identity to XXXX credit bureau. I plan to follow up with the appropriate authorities with hopes that this matter is resolved as soon as possible.
11/15/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Trouble using your card
Account sold or transferred to another company
MA
024XX
Web
Servicemember
My XXXX Member Rewards credit card account, which was previously being successfully managed by XXXX XXXX XXXX, was transferred/sold to Comenity Bank with an effective date in early XXXX. Despite the fact that it was specified that monthly statements prior to the transfer ( for consumers with paperless statements/billing ) would be available online now through Comenity ( see screenshot from approximately XXXX weeks ago ), the statements are not available. Comenity customer support representatives on the phone have been unhelpful, suggesting that I contact XXXX XXXX XXXX to get copies of my prior statements. XXXX XXXX XXXX stated that they transferred the account and that they no longer have the statements nor are they obligated to provide them to me. Comenity Customer Service then suggested submitting a form on their website, which initially seemed to have gone through, but I later received an email stating that there was a " technical glitch '' and the message/form was not delivered. I responded to that email on XX/XX/2022 and have heard nothing back. I have also mailed them a request for statements ( paper mail ) as instructed by their phone customer service agents and have not heard anything back. Now ( as of XX/XX/2022 ) I can not even log into their website, which gives the " technical glitch '' error again, and I just called their customer service XXXX number again only to be told that the system is down and they can not help me nor can they give me a date/time of expected recovery ( only told to try again tomorrow ). There are purchases I made using the original XXXX XXXX XXXX XXXX XXXX ( prior to the transfer ) for which I am now eligible to be reimbursed by a third party, but I need to submit the statements and I can not access them. This is costing me approximately {$40000.00}.
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.
03/24/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NJ
08043
Web
I have a XXXX XXXX XXXX card. I make my payments timely every month. This month I sent a payment in the amount of {$10000.00} on XX/XX//23. The payment was due on XX/XX//23. My bank records indicate the payment was received by XXXX XXXX XX/XX/23. They have charged interest and a late fee and advised that I need to file a dispute when I called them. I also sent a proactive payment of {$2500.00} on XXXX/XXXX/23. This amount was not due, but I typically pay off my cards early to avoid interest fees. My bank records indicate that payment was received by XXXXComenity on XXXX/XXXX/23. They have not posted either payment to my account. Every month I have an issue with the timely posting of my payments with this credit card only. I always pay weeks in advance as my credit score will demonstrate, I pay my bills and I pay them timely. It almost feels like there is an unethical practice of holding back payments to assess additional fees ( interest, late payments ) by this company.
Please assist as {$12000.00} is a large sum of money for me. The service at this credit card company has consistently been appalling. Every month this year, I have had to complain to them. I called in XXXX because I was concerned, they had not posted my payment and my bank indicated it was received by XXXXComenity two weeks prior. They finally posted the payment and did not charge fees. I called in XXXX because it looked like a flight I purchased was double charged to my account-they told me I need to file a dispute. It was clear I would not pay for the same flight twice! Luckily the airline handled it for me. This month, I have this issue. I do plan to close this account once this is resolved. There are too many other credit card companies that offer similar rewards to have to deal with this stress on a monthly basis.
01/04/2023
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
984XX
Web
In XX/XX/XXXX I recieved notice of a severe decline in my credit score related to a XXXX late charge from XX/XX/XXXX on my XXXX Credit Card. I have never had a late payment and have been closely monitoring my credit. I never had a late payment. The XXXX Website and phone payment system has been having issues for months. I have previously spoken to the company about this. And was advised to make in store payments.
I called XXXX to question why this charge was on my account. I was transferred to XXXX different agents. The first said they agreed with me and there was no late payments on my account.
I explained it was showing up on my XXXX report. They transfered me to a different person who said there has been errors in reporting and that some customers were just getting notifications from XXXX And that the company was working to " resolve '' and inaccuracies. I was transfered to another agent they thought could help me because I wanted this done sooner.
The last perosn I spoke to at XXXX told me they were unable to change anything with reporting that far back and to file a XXXX dispute XXXX
I filed a dispute XX/XX/XXXX. This immediatelyt came back with notice that " Account information verified. '' There was clearly no time to do a porper investigation.
They provided me a copy of a payment report which shows clearly that I was never charged a late fee for a late payment. And says " No data '' for months of XXXX to present.
Again, I did not make a late payment. i worked hard to have a clean record of no late payments. And responsibly manage balances much higher than the XXXX $ late payment they claim I made. I did not make a late payment. Their system has significant errors.
This innacurate reporting of my information caused my credit score to drop around XXXX points. Not ok.
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
280XX
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.
03/21/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
TX
76006
Web
Servicemember
On XX/XX/XXXX, I enrolled into Victoria Secret ( Comenity Bank ( Now Beard Financial ) hardship program due to a financial hardship. Once I enrolled in this program my account past due balance was brought to current and the account remain open and active. The active hardship on my account was scheduled to end in XX/XX/XXXX.
In XX/XX/XXXX, I notice that XXXX reported my Victoria Secret account closed on XX/XX/XXXX. In which was inaccurate because I made all my payments on time and the account was still active. Over the past months, I have confirmed with Victoria Secret that my account was active, and payments were applied accurately each month. However, from XX/XX/XXXX to today I have repeatedly contacted XXXX, sent them letter to provide proof, as well as completed online disputes and they refused to update my credit report to reflect the accurate account status. This negative reporting has affected my credit reporting and credit score tremendously and they refuse to help me each time I call them. I have advised them this account was never closed and to update my account to show this credit card is still open.
As of today XX/XX/XXXX, I have paid the total balance off and the credit card is still open and active. If I wanted to, I could use the card in any Victoria Secret or XXXX XXXX XXXX XXXX store with no issues. I contacted XXXX today and spoke with a representative regarding this ongoing issue. The representative gave me the same run around and said the account was closed and the information being reported was correct. This is not true and not accurate. This is very frustrating and time consuming because my account is open and fine with the creditor but the credit bureau refuses to do their job to fix their mistake. Please help me resolve this issue and fix my credit report.
08/05/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
112XX
Web
I was coerced into signing up for a XXXX XXXX by a salesclerk at a XXXX store and I did. I signed up for the card and purchased to items with the card. However right after I purchased the items I returned to my residency at my university and therefore never received the card because it was sent to my home address. After a couple of months passed I received a call from Comenity Capital bank saying that I was overdue on the payment and therefore would have to pay XXXX which I did.
A couple of months go by and I make another purchase at XXXX with my card ( though I still don't have the physical card so I have to use my phone number associated with it ). This time I make sure to pay it within a reasonable time frame so I can avoid the interest fees. However without a card I have to call to make the payment. I call to make the payment with a representative to make a payment, and then I am directed to a machine. The machine is unable to process my payment so I have to call back to speak to a representative to make the payment with the representative. The representative tells me I have a payment coming up THAT IS NOT DUE YET but I can still make the payment with her for a fee.I told the lady as there was no other option for me I did not think it was fair for me to pay a fee and she agreed to waive it ( though I was still charged an additional fee ). Now I am receiving calls from Comenity saying that I owe them a late payment fee of over XXXX dollars because my recent payment ( the one I was told was not due yet ) was overdue, and I did not pay it for 6 months so the interest accrued ( XXXX per month for 6 months ). This was not what I was told on the phone and now it is also my affecting my credit score. Please do something. I have proof that I paid the balances that I described in FULL.
01/24/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
PA
19002
Web
Older American
I paid my BJ 's Credit Card bill in full ( {$2600.00} ) on XX/XX/XXXX. The money was paid through bill pay from my joint account with my husband at XXXXXXXX XXXX. I realized quickly that it hadn't been credited and called five different times before finally emailing the bank on XX/XX/XXXX. Unfortunately, I did not keep a record of the dates of the calls. What was eventually determined is that I had sent the payment to an old account that was now closed. I had proof in the form of a debit tracer from XXXX showing that Comenity had received the funds by bank transfer and the account number that the money was paid to.
As my husband and I continued to call to follow up on this matter, we have been informed three different times that a dispute was filed, and we needed to give them 90 days to resolve the problem. The two notifications that I have on record from the bank include an email response saying that a dispute was initiated on XX/XX/XXXX and a letter on XX/XX/XXXX saying that they need to investigate, and we should allow up to 90 days. It has been more than 90 days from the XX/XX/XXXX date of initiation of the dispute and six months since I paid the XXXX monthly bill. The money still has not been credited to the account and interest has been accumulating. We have continued to call the bank. At one point they said that they never received proof of payment even though the debit tracer was still an attachment on my messaging account with them, we resent it on XX/XX/XXXX and still no response.
A complaint was sent to FDIC on XXXX and on XXXX FDIC informed me that the CFPB was the correct place for the complaint and that it was being forwarded. The Reference number is XXXX. In checking the CFPB website, I can't find a record of the original complaint.
Please help us resolve this.
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.
08/06/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
FL
32905
Web
Older American, Servicemember
Please Read This : Credit card # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX not activated XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX call me I will give you my SS # Phone XXXX XXXX XXXX I am XXXX XXXX XXXX.
On XX/XX/XXXX I was notified by the VP of workout anytime my membership was terminated. So, when the bill came, I contacted Comenity bank. I spoke to XXXX of their reps and sent them the email from XXXX XXXX.
I said I am only going to pay XXXX dollars for what I owed. So, in XXXX they sent me a bill stating I owed them interest and a late fee because I paid it at XXXX XXXX
I told the bank the XXXX does not end until midnight.
They did not care and my credit dropped from XXXX to XXXX and that has XXXX me off.
I have a complaint with the XXXX & a Law firm who has sued them successfully in XXXX.
Any help I would appreciate if you return my credit score back to XXXX My office number is XXXX I am in Florida Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX Subject : Membership Good Morning XXXX XXXX After reviewing previous emails, survey responses, and speaking with gym staff, it has become obvious that we are unable to meet your needs with respect to our facility in XXXX XXXX XXXX Though we do our best to accommodate the goals and desires of our members, sometimes it's just not a match. When this occurs, we feel it's best to allow our members the opportunity to pursue their fitness goals elsewhere.
To that end, your membership has been canceled and you will no longer be billed for services. There is no need to mail your key tag back ; it has been deactivated.
We hope you find a facility and environment more to your liking XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/04/2022
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
MI
482XX
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.
09/27/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
GA
302XX
Web
I submitted to Comenity Bank certified mail number XXXX. On XX/XX/XXXX, I made an uninformed decision when I entered a consumer credit transaction with your financial institution. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. According to Blacks Law Dictionary ( 8th ed. 2004 ), an agreement is a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was giving a generic computerized agreement that is given to all consumers, who enters a credit transaction, without clear and conspicuously terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision this debt become null and void. The consumer did not receive a printed adequate notice. The adequate notice was to give me the pertinent facts clearly and conspicuously, so that I had noticed it and understood its meaning. Your financial institution had the choice of printing the notice or had given to me on each periodic statement, or by other means to assure I was in receipt thereof the notice.
Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
As a result of fraud and deception of this onsided agreement, your institution will update my account as paid in full and remove any derogatory remarks.
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.
10/24/2023
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
FL
33313
Web
I had a savings account with Breadsavings for at least a year and then I recently opened up a second account and made a funding of {$1200.00} and then an add'l {$100.00}. I did an external transfer through Bread Savings website for approximately $ XXXX in early XXXX. I recall seeing the funds in my 1st Bread account totaling {$20000.00} on XX/XX/XXXX but with that I saw my account was frozen. I contacted them and was told that I needed to send my statement proving the money came from my personal account.
At that point, I realize that Breadsavings is not the financial institution for me. In the past, I have opened up an account and tried to do an external transfer of funds into that account but the bank immediately requested the copy of my statement of where the money was coming from before it hit my account. Bread Savings decided to wait until my money was in the account and then decided to freeze it and request my statement. Although I submitted my statement on XX/XX/XXXX, the freeze is still sitting on my account. I was told it would take approximately 3 to 5 days to remove that freeze which has come and gone. I would like to have access to my money so I can withdraw it out of Bread Savings. They are now ignoring me so I am asking for your help to get my money back. I earn every XXXX I have, I do not owe anyone except for a mortgage, I have an XXXX credit score, I purchased a car under a 5 year loan and next month will be my last payment at a 2 years and 8 month payoff. This is the person I am and I am truly upset that a bank feels it's okay to keep the money that I earned and treat me like I need to be under investigation. Please do not allow banks to keep a freeze on consumers accounts when it clearly shows the money came from the consumer account. This should be illegal.
12/19/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
MA
023XX
Web
Several months ago XXXX changed their XXXX XXXX XXXX card from the XXXX XXXX XXXXXXXX to Comenity Bank. Our main purpose in using a XXXX card was to use it for travel : twice we tried to use it toward travel expenses at XXXX and it was declined, and a third time with a local business. My husband and I both have cards and Comenity claimed that the first payments we made in XXXX were late and charged us late fees. The payments were sent before the due dates but Comenity claims the postal service must have been slow. That being said, we decided to send the XXXX payments return receipt requested, they were sent on XX/XX/XXXX, it was delivered to the XXXX XXXX XXXX on Monday, XX/XX/XXXX ; we have been checking my bank account daily and as of Sunday morning the XXXX of XXXX when the payment was due on XX/XX/XXXX, there is no indication of it being deducted from our bank account. Comenity Bank does not return the checks to the bank so we do not have a receipt of the written check, they just put in a code to charge the account immediately which means it should have been deducted at the beginning of the week not kept in order to charge a late fee, the first charge was {$25.00} saying the next time it would be {$39.00}.
We are in the process of trying to close these two accounts and may not be able to do anything about the first set of charges, but I definitely know we do not owe a second set of charges. We intend on fighting any further late fee due to Comenity Banks incompetence and to avoid having our credit rating damaged. We have filed a complaint with the XXXX and reviewed the rating : Comenity Bank has an overall rating of XXXX and an XXXX rating regarding credit related matters. Review of the complaints indicate that charging late fees seems to be their way of doing business.
04/24/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Can't close your account
CO
80113
Web
Older American, Servicemember
Since XXXX of XXXX I have closed this account with XXXX people and reported it to credit bueraus. They ( XXXX ) stated I had a balance and have charged me interest since XXXX of XXXX, when the account is and has been closed. I have spoken to ( XXXX ) since XX/XX/XXXX asking them to close account and why am I still being charged interest on a closed account XXXX XXXX {$71.00} was paid on balance of {$140.00} then another payment was paid XX/XX/XXXX for {$71.00} and Paid In Full no balance. did not recieve another statement until XX/XX/XXXX stating my balance was {$170.00} with payments totaling {$100.00} with a {$30.00} credit? oweing new balance of {$40.00}. I did not understand since 2 payments of XXXX were paid in XX/XX/XXXX, so I paid the {$40.00} in full and called to close account. I did that on XX/XX/XXXX talking with a person called XXXX and closed account @ XXXX XXXX XXXX I requested a confirmation email which I never recieved, then in XX/XX/XXXX I got a statement stating I had a balance of + {$62.00} and was charged a late fee and a past due amount for the total of owing {$62.00} with minimum payment of {$36.00}. I paid it in Full and once again I called to close account with XXXX, asking for confirmation. XXXX transfered me to XXXX spoke with XXXX XXXX and got XXXX # XXXX. On XX/XX/XXXX @ XXXX XXXX XXXX I spoke XX/XX/XXXX with XXXX because I had not yet recieved the email confirmation I was to recieve. Since then they have been emailing, calling, leaving messages and pretty much harrassing me to pay on a 3-4 x closed account.
It has caused havic on my credit report, effected my score.
Comenity Bank.XXXX has caused damage to my credit.
I don't know what else to do. I am not a wealthy person and I am not going to continue paying this preditory company.
Thank you,
10/27/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
CA
91361
Web
I have had XXXX XXXX XXXXXXXX XXXX credit card since XXXX and always paid before due date of XXXX online. I received my monthly statement and I owed {$49.00} charged on XX/XX/XXXX and {$200.00} charged on XX/XX/XXXX due XX/XX/XXXX. I went online to pay bill and site said no account exists.
I then remembered I received a letter in XXXX from XXXX XXXX XXXX about a credit card so looked up the letter. I had not received any communication subsequent so forgot about it. Also no credit card. Letter said I would receive credit card and new statement no later than XX/XX/XXXX and if not received call XXXX. I did on XX/XX/XXXX, spoke to XXXX. Said he would mail me a new card and statement immediately and any late fees or charges will waived. I received nothing. On XX/XX/XXXX, I spoke to XXXX and she said she would mail me a new card and statement, not to worry about any fees or this affecting my credit. I'm worried about what this mess is going to ruin my credit. I can't pay them online because I don't have my account number which would be on a statement or credit card. You can't access their bank online or create an account without the account number which they won't give you on the phone.
These calls to the XXXX number take 1-2 hours each and I just can't keep doing this and having at lease 3 new credit cards mailed to me that to date I have not received nor do I have a statement.
The {$250.00} I owe was charged to the XXXX XXXX XXXXXXXX credit card but I can not pay them, only Comenity who will take a payment over the phone for an additional charge. I do not want to pay a bill over the phone with a company that hasn't performed any of their duties, sending me a credit card and/or a statement with a due date.
All I want is to pay this bill and not have my credit rating affected.
08/17/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
SC
29579
Web
Servicemember
Last year I opened what I thought was a BJ 's store card. I rarely used it, and did not know it was a credit card. I was not planning on renewing.
In XXXX, 2022 I get a statement that I owed a {$58.00} renewal charge. Still not realizing this was a credit card. I planned to go to the store when I was in XXXX and tell them I wasn't renewing.
In XXXX, I get another statement, this time with a late fee and interest. I now realize that the card is a BJ 's Comenity Mastercard. I called Comenity and tell them I didn't want the card and was disputing the charge. They tell me the late fee couldn't be reversed until BJ 's reversed the renewal fee. I called BJ 's and they reversed the renewal charge but said it would take 2 months to process.
In XXXX I get another late fee and interest. In XXXX the renewal fee is reversed but I get charged another late fee and interest. In XXXX I get another late fee and interest.
I was able to reach someone at Comenity Bank who put me through to their Collections Dept. They told me to pay the late fees. I argued with them and the representative, XXXX, said she couldn't do anything but would escalate. In the meantime my credit has been hurt.
I put messages on the internet page for this credit card. Finally someone answered the message and again told me I was responsible for paying the late fees and interest which are now up to {$150.00} because I didn't pay timely.
I tried reaching Customer Care and was on hold for 45 minutes last night and finally hung up. This afternoon I tried and after another 45 minutes on hold I hung up. Then I tried a different phone number and was on hold 15 minutes when the system cut me off. It is almost impossible to reach these people.
I am reading online what a scam operation these people are. Please help me.
07/15/2022
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
WI
53172
Web
Servicemember
hello., I have submitted the formal complaint about your company as it follows below.
in XXXX XXXX 2022 I placed a call to the company in regards to my special 1 year free interest rate offer soon to be expiring. I wanted to pay my balance off of my credit card and close the credit card. I was told by the customer service rep that they would not charge me interest rate as long as I planned on closing the credit card. My Ex girlfriend ( XXXX XXXX BOTH have a credit card with the company and we both were told that they would NOT charge the accounts. In XXXX or XX/XX/2022 I placed a phone call to the credit card company in regards to why the interest was charged to our accounts despite being told that they would NOT charge us. They charged us $ XXXX {$1300.00} i can not see the total amount as the website is down. I have called the company several times, made a few large payments, i want a call back from the manager ASAP.
XXXX I placed 5 phone calls to commenity bank trying to resolve this matter and now it says my account is closed, I DID NOT CLOSE my account, I sat on hold now for well over a hour for someone to answer my phone, I did place a message through the portal on their consumer website. Now that I am trying to log onto the website to contact them and see where they are with helping me it would not let me log in and is telling me that I am now in a closed account which will not let me see what is the status of everything. this is now my 5th claim on CFPB against the company with NO LUCK. I am out of the country and this is ridiculous. I been trying to resolve this matter since XXXX or XXXX of 2022. I need a email update @ XXXX where they are with the investigation as I am out of the country and do NOT have any means of communication to them in the XXXX XXXX.
04/07/2022
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
MI
XXXXX
Web
I was contacted by a debt collector called XXXX on XX/XX/XXXX regarding a Commenity ( XXXX 's ) Credit Card Debt. Stating this was from 10 years ago, and defaulted 6 years ago. The called myself, my husband, my estranged brother, and on XX/XX/XXXX my mother in law.
I spoke with a gal named XXXX and asked for information on this debt, and she couldn't provide it to me unless I told her a number I would be willing to pay to settle this. And once I gave that number I'd be obligated to pay, which I believe re opens the XXXX '. I did had a XXXX 's credit card XXXX years ago, but it was paid off. I have not had XXXX since then.
The say I owe about {$600.00} to XXXX 's, but now it's over {$1000.00}. I told XXXX I need to talk with my XXXX. We then played phone tag and I finally spoke with her today XX/XX/XXXX after she called my mother in law. She still couldn't give me anything in writing, and tried to use scare tactics of court, sued, garnish wages etc.
I religiously check my credit report/score and was able to pull mine from XXXX and there was no debt on there, or defaulted debt. I know in Michigan the date debts expire is XXXX.
I had my social security number stolen, and someone applied for unemployment in my name in the spring of XXXX, so this makes me cautious to pay for something I don't think is mine, or have proof of. Supposedly the attorney helping with this sent me a letter, which I never received.
The said in my first call they have a pending civil lawsuit with allegations of breach of contract and financial fraud. The amount is {$1200.00} and {$650.00} is from XXXX, but this closed is XXXX. Mind you, I have had other loans and a mortgage and this never showed up.
They said they attorney they were assisting is XXXX XXXX & XXXX, but i can't find any information
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.
03/28/2022
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
16602
Web
I have an account with New York & Company/ Comenity Bank . I was on a payment plan from XXXX. I wasn't properly notified by via mail or email that my normal payments would resume. When I spoke with the customer service representative she informed me that I wasn't eligible for another payment plan to keep my account active and current. I keep getting calls from private numbers from them, rude customer service representatives when I speak with them. I called on XX/XX/XXXX and was questioning charges on my account that I didn't make. XXXX representative did in fact confirm that my last physical charge I made was on XX/XX/XXXX. When the current billing statement for bill due date on XX/XX/XXXX says : Purchases prior to : XX/XX/XXXX {$390.00} XXXX 25 % XXXX XXXX {$8.00}. Purchases prior to : XX/XX/XXXX {$46.00} XXXX 25 % XXXX XXXX {$1.00}. Purchases 25.9900 % {$79.00} with no date. I was referred back to customer support who I initially contacted stated that they do not have the ability to look that far back on my account to explain what said purchases for that amount was actually made for me to pay a total of {$550.00} with a credit limit of {$450.00}. Once I was making timely payments during the pandemic, I didn't see a significant change in my balance dropping. I did let the customer service rep know that I will not be making any payments on this account due to incorrect reporting of charges when it was confirmed that the last use for a purchase on this card was on XX/XX/XXXX for {$15.00}. So, where did these hundreds of dollars come from. When I get an explanation of those said charges I will be more than happy to make a payment. I will not continue to allow this corporation to put fraudulent charges on my account when I didn't make them. I haven't used this card in 2 years!
03/07/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
WA
980XX
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
XXXXX
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
317XX
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
XXXXX
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
08/07/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
FL
33993
Web
Servicemember
1 ) Between the months of XXXX XXXX, I made an over payment to my XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$950.00}.
2 ) On XX/XX/XXXX I relocated from : XXXX XXXX XXXX, XXXX, VA XXXX and relocated to : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX.
3 ) In XX/XX/XXXX, I contacted Comenity Capital Bank in reference to receiving my new XXXX XXXX XXXX issued by Comenity Capital Bank and during this telephone conversation the Comenity Capital Bank Customer Service Representative told me that I had a credit of {$950.00} and placed a dispute on my behalf, in order for me to receive my credit of {$950.00}.
4 ) In XX/XX/XXXX XXXX XXXX XXXX issued me a refund check in the amount of {$950.00}.
Note : To date, I've not received a refund check nor have I cashed a refund check from XXXX XXXXXXXX XXXX in the amount of {$950.00}.
5 ) On XX/XX/XXXX, XXXX XXXX XXXX stopped all XXXX XXXX XXXX transactions.
6 ) In XX/XX/XXXX, Comenity Capital Bank took over issuance and servicing of the existing XXXX XXXX XXXX from XXXX XXXX XXXX.
7 ) In XX/XX/XXXX, a Comenity Capital Bank Customer Service Supervisor instructed me to contact XXXX XXXXXXXX XXXX in reference to {$950.00} refeund check issued to me from XXXX XXXX XXXX.
8 ) A XXXX XXXX XXXX supervisor told me that XXXX XXXX XXXX had no records of my XXXX XXXX XXXX XXXX and that everything XXXX XXXX XXXX had involving the XXXX XXXX XXXX XXXX program was provided to Comenity Capital Bank to include all the historical records and the issued refund check.
9 ) The XXXX XXXX XXXX supervisor also told me that Comenity Capital Bank could verify that the refund check was not cashed, perform a stop payment on the refund check and re-issue me a refund check and that it shouldn't take Comenity Capital Bank months to refund me my money.
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.
05/30/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
VA
23060
Web
Servicemember
Went online in XX/XX/XXXX to shop on store website - then to check available credit line since I had not used that account > year. Immediately noticed balance. Attempted to review statements available but only statements available showed interest and past due fee each month. Contacted creditor by phone, English obviously was not primary language for rep. Explained had no knowledge of purchase that rep said had been made back in XXXX. Explained to rep that I had made no purchase on my card since XXXX of XXXX and had paid that off in full, had not received any statement showing balance due nor any notice that a payment was do. Req credit for debt while they provided me with proof of the charge and credit for all fees or finance charges assessed due to circumstances. Also req any removal of negative reporting to CB. Rep replied would be able to waive one fee as one time curtesy. Req his supervisor as this was not a curtesy req but a dispute of a charge. Was disconnected by agent. Since then have verbally chatted with them in regards to the matter and to re-iterate now that they have started collection actions against me in violation of my consumer rights that they must cease and desist calling my work phone number. To date, I now receive a monthly statement each month with an additional fee and finance charges, They have my work number on a dialer that plays a recorded message to call them, My credit report now reflects a seriously delinquent if no now charged off account which has impacted my credit score XXXX points already. My last chat conversation with the company informed I would contact CFBP if they could not take the corrective action requested. Still no response from XXXX, still continue to report inaccurate data, still continue to call my work number every day.
07/16/2019
Yes
Debt collection
Credit card debt
Written notification about debt
Didn't receive enough information to verify debt
CO
812XX
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.
03/22/2022
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
FL
34208
Web
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.
1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.
2. I also want to know who is the original creditor?
3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
03/22/2022
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
FL
34208
Web
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.
1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.
2. I also want to know who is the original creditor?
3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
03/22/2022
Yes
Debt collection
I do not know
Attempts to collect debt not owed
Debt is not yours
FL
34208
Web
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.
1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.
2. I also want to know who is the original creditor?
3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
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
XXXXX
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.
07/19/2023
Yes
Debt collection
Credit card debt
Communication tactics
Used obscene, profane, or other abusive language
CT
06111
Web
I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt.
I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct.
Furthermore, I exercise my right under 15 USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to 15 usc 1692k I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
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
XXXXX
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.
12/20/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
FL
34986
Web
On XX/XX/XXXX, I called Comenity regarding payment for my XXXX XXXX XXXX account and spoke with XXXX Reference # XXXX who transferred me to XXXX, Supervisor who transferred me to XXXX who advised he would file a dispute. The reference # I was given for that call is : XXXX.
On XX/XX/XXXX, I called to follow up and spoke with XXXX, Senior Account XXXX @ Comenity. She said she put in a dispute where they will look at all payments coming in on XX/XX/XXXX and trace back to XXXX and I would receive a notice.
On XX/XX/XXXX, I received the attached letter from Comenity stating my claim was received and were currently researching it. If additional information was needed a notification would be sent and to allow up to 90 Days to complete the investigation.
On XX/XX/XXXX My bank, XXXX said they sent proof of payment was sent to XXXX XXXX XXXX XXXX OH XXXX - File Trace # XXXX ; Electronic Trace # XXXX On XX/XX/XXXX I called Comenity to check the status of dispute, I spoke with someone who said her name was XXXX & she was in the Ohio office Extension # XXXX and she was going to get this resolved On XX/XX/XXXX I received a letter from Comenity stating I am a valued customer and to call XXXX to resolve the inquiry On XX/XX/XXXX I called and spoke with XXXX XXXX, Supervisior who gave me a reference # for the call of XXXX. She told me I could upload the proof of payment documents through my account online. I proceeded to do that with XXXX XXXX on the phone, 3 times and received error messages and emails stating there was an technical error. XXXX XXXX said she was sending an email to the Dispute Team with a " time stamp '' and check on for documents.
Last week I called Comenity and spoke with Senior Account XXXX, XXXX and was a advised the proof of payment was never received.
10/21/2022
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
32901
Web
On XX/XX/22, while checking my account online, I discovered 8 charges on my BJs Perks Mastercard that I did not make. I immediately called the number on my card ( XXXX ) XXXX ) to report the charges and was on hold for over 20 minutes and never spoke with a customer service representative. I also contacted them through the secure message center, explained the problem and uploaded an attachment of the 8 unauthorized charges. I received a form letter response asking me their " Account Protection team '' by phone at XXXX. I have called both numbers at multiple times since and each time was on very lengthy holds without ever speaking to a person. I sent another message through the online message system, letting them know I tried to call many times but could not talk with anyone to resolve the issue, and provided my phone number for them to call me. I got the same form letter response asking me their " Account Protection team '' by phone at XXXX. Again, I've made multiple attempts to contact them with no answer.
The 8 charges were all made on XX/XX/22 All appear on statement as " My Bj 'S Perks XXXX XXXX XXXX, FL '' Amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these charges. I have uploaded a screen shot of these charges on my account. I am extremely frustrated by the non-existent customer service for this credit card ( issued by Comenity Bank ) and at a loss for how to resolve this. My account is in good standing and I pay it off each month. I am worried this will affect my credit score. I was able to lock the cards on the account. I want to have these charges removed and close my account ASAP. I have uploaded attachments of my correspondence within their messaging system. Thank you very much for your help and attention to this matter. XXXX XXXX
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
XXXXX
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.
11/30/2023
Yes
Credit card
Store credit card
Other features, terms, or problems
Problem with customer service
FL
335XX
Web
Servicemember
I have been trying to setup online services for my XXXX account since it was transitioned to Comenity Bank. My previous account was setup on auto pay, and this did not transition to the new company. I have tried since XXXX and am presented with an error on their website " Its not you! Its us. Were experiencing a technical issue. Our team is working to resolve this as soon as possible. Please try again later. '' I have contact Comenity Bank on multiple occasions about this issue and have gone through countless troubleshooting steps with them. During one of my most recent conversations, a supervisor stated that the issue was theirs, and that they would create a ticket with their " back office '' and have it resolved. It has still yet to be resolved. When I call, they continuously tell me that it's an issue on my end, even though the error clearly states that it's on theirs. This causes considerable confusion for a basic consumer. Additionally, when someone calls in and tells you that their online account isn't working, don't recommend online account resolutions. Why would a customer service agent tell me I can update something online when I have JUST explained to them that I can't create an online account?
This account was reported as delinquent to the credit reporting agencies due to Comenity Bank 's inability to properly assist in creation of an online account. They then refuse to assist in troubleshooting the issue even though the messages clearly state that the issue is theirs, not the consumers. They make it nearly impossible to get account information to send in payments via mail, they won't give you your account number, which they say is required on the check to process the payment... It's truly astonishing that this type of behavior is allowed to happen.
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
XXXXX
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
08/03/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
TX
77627
Web
I had a payment for {$2.00} that returned from my bank. For NSF it was an honest mistake and I received a {$25.00} Returned Check fee. I called to see if I could get it waived as a courtesy. I have been in banking for many years and have never met a financial institution so stingy with refunding a {$25.00} fee. Literally, I am now left to pay XXXX more that my balance and minimum payment. I was rejected by a Cs agent then thought I could get someone with more authority to help me this one time..I 've never been late I have paid interest and on time. The next agent by the name of XXXX employee ID # XXXX. Attempted to dispute it for me. I have nothing to dispute I understand the reason why I received the fee l, I understand. As a customer I was asking for a courtesy waiver for an honest mistake on a {$2.00} payment. XXXX also tried to justify the denial or the reason for not waiving the fee as a this is a way of the bank generating revenue. By not appreciating their customers and having NO empathy ove a situation like this. He also made it VERY CLEAR that AT THE END OF THE DAY THIS WAS JUST A JOB to him meaning that Bread financial or commenity whatever they are XXXX no company values based on morality and that we customers are ONLY numbers and money signs to them. The business we bring them is not something they truly care about they have so many other customers that one little one like be with a little {$2.00} payment is going to leave the BROKE if they were to XXXX forbid refund a {$25.00} fee. WOW WOW. If that employee was in an escalated or escalations positionhe poorly represented this company but I assure you, I will never do business again and will let my family and friends know of the culture this company carries. This call was today XX/XX/23 @ XXXX XXXX
10/05/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
GA
30052
Web
Recently I've made XXXX purchases at XXXX which were charged to a store card and managed by Comenity Bank. The initial purchase was on XX/XX/XXXX with a 1 year promotion ( no interest ). I made payments and there was no problem with payments reducing my balance due. On XX/XX/XXXX, I made a 2nd purchase, again on a 1 year promotion ( no interest ). Although I continued to exceed my monthly payment due each month, ALL of the payment started to be applied newest/XXXX balance with nothing doing towards the oldest debt. This was alarming because it will result in deferred interest charges coming due if not paid in full by end of XXXX.
I called Comenity customer service a minimum of 4 times. Each time I was told there was recently a system upgrade, that tickets would be entered to remedy issues and that payments that exceeded the plan minimum on each promotion would go to the oldest balance. This did not/has not happened. Each month when the ticketing process did not remedy, I called back and was told that payment were going to be manually moved to oldest balance. After all of these months the oldest balance has not gone down ( as a matter of fact if has gone up ) and now I have an " URGENT '' message on my bill advising if I don't pay what is almost the original purchase amount, I will be charged interest. I can see on my account where " promotional plan transfers '' are taking place but they seem to be applying to the new account.
I am very upset with the time it has taken for me to try to take care of this and worry how many other customers have been adversely impacted by XXXXComenity XXXX Once this is resolved and payments applied it is my intention to pay the entire remaining for the oldest balance as soon as possible to avoid payment the deferred interest.
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.
08/13/2022
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
CA
959XX
Web
My account is through XXXX XXXX My account was paid in full and I had noticed my credit score suddenly dropped from XXXX ( in XXXX ) to XXXX ( in XXXX ) it dropped XXXX points simply because XXXX reported my account as 30 days past due. I have never in my life missed a payment nor did I get a statement from them. On XX/XX/XXXX I spoke with a representative ( I have representative information and references numbers for my calls ). I was informed because technically I was a couple days late when I paid my balance off the late fee did not reflect when I was making my payment. Fast forward they charged me a late fee ( which I never received notification of ) and because I didnt pay this late fee I was reported for 30 days past due. I was told on XX/XX/XXXX they would reverse the fee and I only had to pay about {$7.00}. I checked again on XX/XX/XXXX and saw my account still shows a balance. Again I call and speak with the supervisor this time named XXXX. I was told again they would clear the charge and clear the charge through my credit report. Today on XX/XX/XXXX I go and look at my account which still shows I owe a balance of XXXX with a statement date of XX/XX/XXXX, the day after I spoke with the supervisor. I have not received this bill in the mail. Now here I am trying to figure out what to do. Do I close this account and potentially lower my credit some more? Ive never had this issues with any of my accounts and have worked so hard to raise my credit as Im trying to buy a house. I feel like they are giving me the run around and Im not sure what other options I have. I would like to note my bank sent a check to pay this account off which was done in XXXX and since then I have nothing but issues and random fees. I have also not received any of these statements.
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.
03/16/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
NY
11783
Web
I filed a written complaint on XX/XX/XXXX by telephone and by letter ( attached ).
They sent acknowledgement letter on XX/XX/XXXX and responded to a my secure online message on XX/XX/XXXX. I've called to ask for a resolution because it is over 90 days and they keep charging me interest on my dispute which is described below. But they said they would contact when they have an answer. And now when I call I get a recording.. " WELCOME TO XXXX XXXX , your call can not be completed as the called party is temporarily unavailable .please try your call later '' I called today XX/XX/XXXX at XXXX XXXX EST Tel # XXXX during their stated business hours.
ISSUE : I called when I received my XXXX statement to dispute deferred interest charges they charged regardless that I made full payment on XXXX of {$940.00} before a {$930.00} deferred promotional balance expired on XX/XX/XXXX. My XXXX statement stated that an auto payment of {$130.00} would be deduced on the due date XX/XX/XXXX, but they didn't deduct the auto payment because they said I made the XX/XX/XXXX payment. No other bank does this. I called and filed a complaint and was given XXXX XXXX XXXX. I wrote a letter on XX/XX/XXXX, but there was no response, so I sent a secure message through Comenity Bank Website for XXXX XXXX XXXX, which was acknowledged Message ID : XXXX. I received a physical letter from them on XX/XX/XXXX. Besides not crediting my payment to the promotional plan that expired first, they are still applying any extra payment to promotional plans that expire last, It is so hard to even understand how they are calculating interest ( and I am a secretary who does taxes and calculate closing cost. According to the last statement they charged interest of {$770.00} in XXXX and {$16.00} so far in XXXX.
01/18/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
OH
45005
Web
Servicemember
Comenity systems are still not working for consumers. I still can not log in and I still cant get through on the phones with the numbers placed on the back of the cards.
I also asked comenity previously to not call my phone and that they may only communicate through email or mail. I received another call from them today. Of course no voicemail, I had to XXXX the phone number or it pops up as a spam number. It rang on my phone, then they hung up and didnt leave a voicemail. I am also hearing impaired and with their sites not working I can not send secured messages at this point and this does not meet any XXXX Criteria that would meet my needs.
I was told back in XXXX that I would not be facing ANY late fees or late reporting because their systems were down. And obviously still are. If I could make the payments like they wanted I would, but how can payments be made if nothing works?! There are so many of us who are still fighting with comenity and we just get slapped in the face.
They have reported me as late all the way back to XXXX and Im not happy. I still cant access my accounts so I cant even see if there are late fees tacked back on. My email to their specialty team that was provided by their legal team has gone ignored.
Every single one of my accounts has been reported late and its completely uncalled for when they are the issue. Any further action against me will be sent to any necessary entity until this is properly fixed. The actions taken by comenity has adversely affected my life and has halted everything. I have been negatively affected by their decisions and the fact that they have made it impossible for myself and many consumers to make payments. The XXXX has even noted that comenity has ongoing issues. Please look further into this CFPB.
05/10/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NY
10990
Web
Older American
My recent experience was just repugnant, unacceptable in paying off my balance. In XXXX, I paid off the remaining balance on my XXXX XXXX XXXX XXXX account ( XXXX ). In XXXX, I received a bill from XXXX XXXX XXXX for XXXX dollar. I called and was told that there were interest rates carried over from two months ago, leaving a charge of XXXX dollar. Never in my 50 years dealing with banks and credit cards has a charge been issued after the balance was paid in full.
On top of that, the way I was treated and hung up on by two different customer service agents was very disturbing. I do not know what your script is as a Comenity Bank card, Bread Financial, it was very distasteful, making me feel, I was abused for close to two hours and getting nowhere on the understanding of XXXX dollar interest rate ( fees charged ) was still on my bill after the pay-off. So, I investigated it.
Yes, Comenity Bank charged me XXXX dollar for the missing interest, for which THEY did not calculate. Not only that, but they also did not even address it correctly.
On my XXXX XXXX XXXX XXXX bill, XXXX dollar is added to the " Fees charged '' not the interest charged, with no explanation.
( Fees charged XXXX XXXX charged XXXX ) The reason for this is Comenity Bank can charge you interest on that dollar if you do not pay it under Fees charged.
If it were under the correct title, ( interest charged ) that dollar would just sit there forever because the financial institution can not charge you interest on interest ..... So, Comenity Bank not only charged me a dollar, but they can illegally keep charging me interest and late fees on top of that expensive dollar.
This one-dollar issue needs the CFPB, as well as a XXXX XXXX XXXX XXXX I am sure millions of others, have the same issue!!
04/26/2023
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
73703
Web
Servicemember
I opened a XXXX XXXX XXXX credit card at the store in order to make a tire purchase on XX/XX/XXXX. The agreement was a promotional 6 months 0 % interest thru Comenity Capital Bank. In XX/XX/XXXX Comenity immediately started charging me interest @ 25 % +. I contacted Comenity bank in writing in XX/XX/XXXX and received a confirmation of the dispute in writing dated XX/XX/XXXX. Comenity claims they can take up to 90 days to resolve a dispute. I went ahead and paid of the total charge ( the only charge ) made to this card totaling {$1100.00}, on XXXX XX/XX/XXXX. Since then Comenity continues to charge me interest, late fees, and send me statements. I called in XX/XX/XXXX for a resolution, no resolution. I called in XX/XX/XXXX, no resolution. I called on XX/XX/XXXX and no resolution was reached, instead the service person opened a new dispute dated XXXX XX/XX/XXXX. Now Comenity is claiming they are missing the original dispute from XXXX XXXX in XXXX I was able to " close this account '', however Comenity refuses to stop the late fees and interest accumulation. Now I, my family, and my acquaintances are getting collections calls from their collection division, and it is having a negative impact on my credit reports. There is no way to call their dispute division directly, multiple customer service persons have " sent them an e-mail '' and I have heard nothing. This is abusive! We are now 7 months hence from the original dispute, I have no one I can call, and no one will call me back. I am just watching me credit score drip downwards unless I pay them, currently, {$220.00} ( XXXX % of the original purchase price ). This is criminal abuse of customers! I have lost countless hours of time trying to resolve this credit card agreement, and there is no end in sight.
11/02/2022
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
CO
80113
Web
Comenity Bank calls me all day, every day. I receive at least XXXX calls each day from various numbers and unknown callers- all of whom are a representative from Debt Collection at Comenity Bank.
This is all in regards to an an outstanding balance on my XXXX XXXX
When I answer the phone, I am told that if I do not make a payment they will send me to collections and my credit will be damaged. When I ask the representative to access my account, they are unable. They claim my account was damaged by the system update so they are unable to do anything.
They will send me to every department to repeat my story until I am given to a supervisor. I have now spoken to over 50 supervisors who have told me they have either left notes or submitted tickets to fix my account. Still, I receive threatening calls, emails, text messages and letters to my home. Most of which claim I owe them hundreds of dollars more because payments are late. They are harassing me over an account they too can not access.
The last supervisor I spoke to told me if this account gets sent to collections, Comenity can not promise to resolve the issue.
This has been my daily norm since the day I opened the account- XX/XX/2022.
I have sent XXXX rounds of certified mail to the company - exact copies to both the Customer Care department and the Disputes department. Each received and signed for by a XXXX XXXX. The first round of mail included screenshots and a letter of my account info, communications and an outline of my issue. The second round included updates and checks to cover the full balance ( in the hopes they could process a payment that way. ) I have been ignored when I try to resolve this issue, and harassed with phone calls starting early in the morning all the way into the night.
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.
09/15/2022
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
VT
051XX
Web
This complaint is directed towards Bread Financial who has recently taken over for Comenity Bank.
On XX/XX/XXXX my XXXX XXXX credit card was closed. I have proof of this in writing from Comenity Bank. I was directed to pay off the balance and to destroy the credit card. The closed account is even reflected with the credit bureaus. I have made my payments every month since and all payments have been made on time. My last payment was made XX/XX/XXXX bringing the balance to {$0.00}. I should not have had any further charges since this account was deemed closed. On XX/XX/XXXX, I was charged a {$2.00} interest fee on my closed account that officially had a balance of {$0.00}. I contacted Bread Financial customer service regarding this interest fee on my closed account. I was on the phone for 34 minutes, got nowhere, and waited only to be hung up on.
I know other customers have had problems with these interest fees on a {$0.00} balance as well only to not realize it because they considered their card to be paid off. They were then slapped with a late fee. I am not going to keep playing this game every month. It is a form of stealing from customers.
This account will have been closed for almost two years and my last payment on XX/XX/XXXX should have been the last interaction with Bread Financial.
It amazes me that with all the complaints filed against Bread Financial that they are still getting away with this behavior towards customers. Unfortunately, I have another store credit card that has been transferred to this company as well which I will be closing once the balance is paid off and dread having to go through this process all over again.
This is extremely poor customer service and IT IS stealing from customers.
Please take care of this issue.
08/16/2022
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
NJ
XXXXX
Web
Older American
On XXXX received a text message from Comenity Bank Fraud Department asking if I would verify a transaction on my XXXX account of {$84.00} for XXXX XXXX . I replied I did not authorize this. They replied in a text message that they would call me to conform my account activity. I missed the call but tried to call back on the phone no. XXXX. I tried calling backbut keep getting a recorded message that they were getting many calls and to stay on the line which could be a XXXX wait. I have tried numerous times trying to get through to talk to a representative. I then checked my credit card account statement online and noticed another charge that I did not make of {$98.00} on my XXXX XXXX XXXX account to XXXX XXXX # XXXX which was made from XXXX which took place on XX/XX/22. I contacted the XXXX XXXX XXXX on XX/XX/22 to notify them that I did not make that purchase. I also contacted my local Police Department ( XXXX XXXX XXXX XXXX. in XXXX XXXX ) on XX/XX/22 about this matter and filed a police report. According to my online credit card statement Comenity Bank 's system wouldn't be back on until XX/XX/22. On XX/XX/22 I emailed a message to the Fraud Department of Comenity Bank because I couldn't get through on the phone. I received a reply saying " Please accept our apologies for any inconvenience you've experienced. Please call XXXX at your earliest convenience. '' I have tried many times tryng to get through but keep getting the same recorded message and no one answers. Unfortunately I ended up paying my bill. I also put a lock on my credit card. I also asked them to call me back in an email message. I also asked for a paper statement to be mailed to me. As of today no one has called. On XX/XX/22 I sent a letter to them by certified mail about this matter.
10/10/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
VA
24012
Web
I have been getting charged {$2.00} minimum interest charges after paying the account off on the due date. Starting back to XX/XX/XXXX. Due date for this account is the XXXX of every month.
-- XX/XX/XXXX, payment made of {$37.00} -- XX/XX/XXXX, payment made of {$5.00} -- XX/XX/XXXX, charged {$2.00} minimum interest fee when account was paid off on XX/XX/XXXX.
-- XX/XX/XXXX, payment made of {$16.00}. Account paid off.
-- XX/XX/XXXX, charged {$2.00} minimum interest fee. I knew account was paid off so didn't bother to check my balance.
-- XX/XX/XXXX, charged {$2.00} late fee.
-- XX/XX/XXXX, payment of {$2.00}.
-- XX/XX/XXXX, received a credit of {$2.00} as " small balance adjustment '' -- XX/XX/XXXX, payment made {$37.00} -- XX/XX/XXXX, charged {$2.00} interest fee.
-- XX/XX/XXXX, payment of {$8.00}, account paid off.
-- XX/XX/XXXX, charged {$2.00} minimum interest fee. Paid the {$2.00} on XX/XX/XXXX.
-- XX/XX/XXXX : I paid off the account for {$67.00} on the exact due date.
Received an email on XX/XX/XXXX that my minimum payment is {$2.00} for interest, due XX/XX/XXXX. Received an email XX/XX/XXXX saying my new balance due is {$6.00} ; Previous {$2.00} interest fee, {$2.00} late fee, and now an additional {$2.00} interest fee. Contacted Victoria Secret, representative stated that he could not waive the late fee of {$2.00} but would waive the total of {$4.00} for the interest fees. Representative explains that the {$2.00} is the interest being " Carried over for the next month '' but I paid the balance off on the due date, paid in full.
The last several months, I just paid the {$2.00} because I didn't think anything of it but been catching on to this and the fact that they're charging people interest when the account is paid on the due date.
01/05/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
IA
520XX
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.
08/09/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
CA
92117
Web
We have attempted to close the account and pay an agreed settlement with comenity capital bank and XXXX XXXX XXXX XXXX. We have spoke with the company more then 20 times trying to get them to send the proposed agreement to us. We have spent hours talking to multiple representatives supervisors, managers, and every single one had a different policy or answer as to why we have not received a confirmation letter of any kind. Each of the dozens of people we have spoke to has given us different answers for when we will receive this agreement and receipt confirmation ( 1 hour, 2 days, 6 hours, 30 days, etc. ) which has been going on since XX/XX/XXXX. We have yet to receive a single promised agreement, receipt confirmation or communication. The agreed amount of {$2900.00} was finally taken out of our checking account on XX/XX/23 with no receipt given. I have never in my entire life dealt with such a crooked, dishonest company. All we are trying to do is reconcile this matter. They have our money but will now verify it in writing. We have also filed a complaint with the FTC regarding this issue. They are a company that tries to put off customers by passing you on to the next representative or supervisor in the hope that the customer will give up. We are also going to file a complaint with all the credit bureaus because they have reported and dinged our credit score, which could have been avoided if this was handled properly. The initial charges on the account were taken without the dental work being completed properly ( XXXX XXXX falling out 3 times and we are still waiting for the work to be completed properly ) Unfortunately we have no supporting documents because they have never responded to us. I do have phone numbers and names of supervisors if needed.
03/25/2023
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Card opened as result of identity theft or fraud
TX
XXXXX
Web
Hi Dear CFPB/ Comenitybank/Victoria 's Secret Card : I am writing this letter to dispute the accuracy of Commenity Victoria 's secret mastercard opened in my name on XX/XX/XXXX.
Name : XXXX XXXX Account Info : XXXX ( I dont have the full account into, the number is from credit bureau and Comenitys letter ) Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX Phone : XXXX ( cell ) On XX/XX/XXXX, I noticed that my XXXX bank account had unauthorized checks withdrawn.. From XXXX, the total unauthorized amount is ~ {$9000.00}.
The XXXX bank has investigated this issue and found that someone in New York used my fraudulent driver license ID in one of the bank branches to ask for paper checks and took cash.
The XXXX bank has completed the investigation and returned all money back to my account.
I also checked my XXXX credit profile and found out someone used my name to open a Comentiy Bank/Victoria 's Secret card on XX/XX/XXXX and they spent a total of {$630.00}.
I called Comentiy Bank/Victoria 's Secret card Fraud Department twice on XX/XX/XXXX and they told me a fraud investigation case was opened. I have received no information from Comenity Bank afterwards.
However I learned from XXXX recently that Comentiy Bank has reported my case as charge off and late payments, not as fraudulent activity.
Comenity Bank also sold my debt to XXXX XXXX XXXX XXXX as a debt collector.
Comentity Bank is negligent to handle my fraud case which I called them twice on XX/XX/XXXX. They have never sent me any information after my report. Their negligence has severely ruined my credit score.
I would greatly appreciate it if you can investigate my case and if you have any questions, please contact me at XXXX.
Best Regards, XXXX XXXX XX/XX/XXXXXXXX XXXX
03/18/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
AL
362XX
Web
Older American
I purchased an item from XXXX XXXX on XX/XX/XXXX and did not receive a statement until XX/XX/XXXX and it had late fees and an interest charge. I called and told them I had not received a statement and they waived the late charge, but I paid the interest and the payment on XX/XX/XXXX with my debit card over the phone. I have bought nothing with this card since then. I have had no correspondence with them since XXXX of XXXX. On XX/XX/XXXX I receive a bill from Comenity Bank for {$96.00} and it is nothing but late fees and interest charges. I call on XX/XX/XXXX and talk to XXXX and she tells me she will waive the late fees, but I will have to pay the interest of {$11.00}. I did not want to do it over the phone and was going to do it online so I would have a time stamp of payment. The only way to do that was with my checking account and I was not giving them that information. I called back and got XXXX and now it is {$15.00} that I owe, and he will waive the late fees. I am frustrated and pay it and ask for this card to be cancelled. I look online and my payment is pending yet I did this on XX/XX/XXXX and it did not show up on their site as paid until XX/XX/XXXX, but shows on their site as XX/XX/XXXX and all the other charges are still on the account. I call back and get XXXX XXXX and he want to know if I want to make a payment. I explained it all to him again and he says he will take care of it and I told him I wanted this card cancelled and he said he had put in a request to do so. I told him I better not get another bill and he said I would and there would be a {$1.00} charge and to call back and he will take care of it. This is a never-ending problem with this credit card. I paid {$15.00} I did not owe. This company is stealing from its card holders
04/25/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
CA
90047
Web
Victoria 's Secret has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.
I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Victoria 's Secret before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Victoria 's Secret to furnish any late payments to my consumer report. It is my belief that due to Victoria 's Seceret business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
03/06/2023
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
95678
Web
I disputed the purchase of a defective XXXX XXXX console with XXXX XXXX. The XXXX XXXX console has a known issue where the system goes into rest mode when ever it wants. There are XXXX possible resolutions to this issue, If those XXXX resolutions are unsuccessful it is a defective machine. I tried both resolutions and currently have the XXXX XXXX console set to those settings specified. The system still turns off right in the middle of you playing it despite the do not enter rest mode setting being selected. I disputed this with my XXXX XXXX XXXX and they took that amount off of my credit report, they then added it back on XX/XX/XXXX costing me XXXX credit reports or close to, and said they sent out a notice regarding my dispute. I have not received this notice nor have I had time to act in response. They took XXXX days and did not reach out to me once to get details about my situation, I cant see anything they did in their dispute. XXXX never returns messages regarding my defective XXXX and they say that they dont provide refunds on items over {$500.00}. They dont tell you this before you purchase the item or even at time of purchase. Their refund policy is on the back of your receipt in small print, and you only know it is there if you have a problem. I am not paying for defective merchandise and told XXXX XXXX they can have their console back and I reached out to them via their website messaging system several times to ask them what is going on with my dispute and XXXX XXXX never contacted me once to find out the details of my situation and they just found in the merchants favor. I need help with the sale of defective merchandise they wont take back. I am not paying for this and want it removed from my credit like I said they can have it back.
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
554XX
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
01/19/2023
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
78628
Web
Sequence of Events : On XX/XX/2023 I have received a notification that a new inquiry was made on my XXXX credit report and when checked I see a new hard credit enquiry was made by XXXX XXXX COMENITYXXXX XXXX XXXX But I have never requested for any new card or loan and never gave access to anyone to place a hard inquiry. On checking XXXX found out that it was from XXXX beauty from Comenity bank and called them and raised a complaint and requested for cancellation of the new application which was done by a fraud person.
On XX/XX/2023 called XXXX credit bureau and requested them to place a freeze on my credit and it was done successfully.
After realizing that credit freeze needs to be placed on the other 2 credit bureaus as well.XXXX On XX/XX/2023 called both XXXX and XXXX to place a freeze, I was able to place a freeze successfully with XXXX but XXXX I was not able to place a freeze due to address mismatch.
On XX/XX/2023 received a notification that a new inquiry was made on my XXXX credit report and when checked I see the new hard credit enquiry was made by XXXX XXXX COMENITYCAPITAL/XXXX Not sure if this is different to the hard enquiry made on XX/XX/2023 COMENITYXXXX XXXX XXXX Looks like both are from COMENITY bank but different products. I have never requested for any of these products and still hard enquiry is placed on my credit.
On XX/XX/2023 created a XXXX accout online and placed a freeze on my credit and and also disputed the hard inquiry made by COMENITYCAPITALXXXX on XX/XX/2023.
So finally I was able to place a freeze on all my credit bureaus but not sure why this is happening with COMENITY bank itself as I see both of the hard inquiries places are with COMENITY.
Can you please investigate and guide me further on next steps.
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
402XX
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.
09/30/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
MA
017XX
Web
On XX/XX/2023 I saw a serious delinquency on my credit report without any communication from any banks. I looked into detail and found that it has been placed by Comenity Bank, saying that I made the last payment on this account in XXXX and my account is now delinquent. The actual status is : Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX No payment Required Statement XXXX XXXX XXXX XXXX XXXX XXXX ; No payment Required Statement XXXX XXXX XXXX XXXX XXXX XXXX ; No payment Required Statement 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 Present Balance XXXX My XXXX account was hacked and as a result the information related to many of my credit cards accounts and my bank accounts was stolen. I closed and most of my credit cards and bank accounts and opened new accounts with the same financial institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This card was on autopay through XXXX checking account that was also changed after this fraud. This card being a small infrequently used credit card, somehow the autopay was not updated. The company never tried to reach out to me and directly placed a serious delinquency in less than one week of due date, which is unethical and illegal. I am buying a house. This delinquency of {$37.00} minimum payment led to a fall of about XXXX points on my credit score. now I have significant problems in buying home because or irresponsible and illegal attitude of the company.
I tried to reach out to company. They refused to get me in contact of the credit reporting person in the company. I tried to reach out to the CEO of the company on XXXX and sent him an inmail. But no response was received from the company.
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!
07/18/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
NC
27617
Web
Back in XXXX had had gotten onto a three month plan to help bring my account up to speed. I had previously had issues logging into my XXXX XXXX account as it kept saying it was not a secure network.
I agreed to an automatic payment plan for three month to be put back on track. The employee accidentally skipped a month of the automatic payments and caused me to show as delinquent still and not following the agreement.
I called in over the weekend and spoke to a manager who understood what had happened and told me he would mark the account as up to date for XXXX payment once it was made. I asked if I made the payment over the phone that day if it would count for XXXX and he said YES. I verified that I would not owe again until XXXX and he said yes. He stated my next payment in XXXX would be around XXXX dollars or less.
I checked my account today because I was hoping the late fees or at least some would be forgiven since the employee had made the mistake during set up for the payment plan. I instead saw that I now owe for XXXX still, {$65.00}.
When I called in I was told that the payment was processed correctly and that I still owe for XXXX. I have been lied to twice by them now whether it was intentional or not about my account and my ability to trust them. I am genuinely trying to turn my life around and fix all of my finances but this company is making me feel very much like they will do anything to hit my credit score repeatedly and hit my account with late fees every chance possible.
I was told there was no note of the manager I spoke to tell me I would not owe again until XXXX. I told the man I spoke to that I was in a financial pinch but that I would make an extra XXXX dollar payment for XXXX early to bring my account up to speed.
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.
10/04/2023
Yes
Credit card
General-purpose credit card or charge card
Fees or interest
Problem with fees
CA
94539
Web
I have XXXX credit card for the last several years. The account was with XXXX XXXX XXXX ( XXXX ). There was a promotional balance transfer offer of 0 % interest rate until XX/XX/XXXX with a 4 % transfer fee. I availed this offer and transferred {$29000.00}, with 4 % transfer fee, the total balance in my XXXX account was {$30000.00} Subsequent account statements from XXXX did not charge me any interest or other fees, I was paying the minimum amount to be paid as stated on the statements.
The account was transferred to Comenity Bank in XXXX, XXXX ( by the bank, not by me ). Subsequent statements started charging very high interest charges on the balance.
I contacted Comenity Bank at least XXXX times with whatever document I had. I contacted XXXX to provide additional documents. However, XXXX said they don't keep any documents when the account transfer happens. All documents are with the new institution.
I submitted my email of confirmation of the balance transfer with the promotional offer, I submitted the last XXXX statement where no interest charges or fees and the first statement from Comenity Bank where interest charges started. Still, Comenity Bank came back that the charges are right. There is not enough proof of the promotional offer.
If XXXX did the transfer of my account to Comenity Bank, it should be Bank 's responsibility to keep all the information and provide right treatment. Even after I submitted enough proof, Comenity Bank came back that it is not enough.
I am with high stress because of this injustice. Would appreciate help. If you need any information, I will be happy to provide whatever I have and that should be good enough. I have attached the confirmation email of the transaction completed with the promotional offer.
06/08/2023
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Delay in processing application
FL
33130
Web
On or around XX/XX/2023 I applied for a XXXX XXXX XXXX XXXX XXXX XXXX Credit card issued by COMENITY BANK. I had credit freezes in place at all 3 credit bureaus at the time I submitted my online application ( https : //d.comenity.netXXXX ) which resulted in my application not being automatically approved.
COMENITY BANK makes it impossible to speak to a human to discuss your application status. All of the customer service representatives do is send you to a pre-recording telling you they won't provide you any help about your application and to refer to your letter.
The problem is that USPS mailman lost my letter and NEVER WAS DELIVERED ; although I have attached evidence from USPS informed delivery that it was meant to have been delivered... so I know they sent me a letter but I find it extremely ridiculous that nobody will speak to me or even give me the option to request a copy of the letter that was mailed to me with some decision information.
As it stands ; USPS has lost my letter. I do not know if XXXX XXXX intends to approve my account but it is waiting on some identity documents in order to approve my application ( my credit score is XXXX ). I have the right to receive a copy of any letter regarding my application and this company/bank makes it impossible to discuss with a human the problem that you may have and they send you back to the XXXX before the age of the internet by not providing information electronically as any other bank.
These do not feel like appropriate business practices and I seek the assistance from the CFPB at resolving this matter. The bank should not be withholding information about my application in unreasonable ways such as their current practices. My excellent credit shouldn't result in a denial either.
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.
08/06/2023
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
301XX
Web
on or about XX/XX/XXXX I placed an order for some curling irons, via my XXXX XXXX XXXX XXXX, XXXX XXXX, order was placed over the phone, & my XXXX XXXX XXXX XXXX, was used to pay for this order. Invoice XXXX was created. On XX/XX/XXXX I received some of the items I order, along with the invoice for what was shipped out. Invoice reads total amount charged to the card {$140.00}.
I went online for Comenity Capital Bank, to make said payment. However, the total amount Comenity Capital Bank billed for this invoice on the statement {$140.00}.
I called in multiple times and spent more than 4 hours total being transferred all over the place. I have been advised someone would call me back, no one ever has. On XX/XX/XXXX XXXX in Purchasing said it was interest. But I have never held a balance, always pay immediately. Then he advised it's customer service, and wanted too transfer me back to them. I just spent 2 hours with them and they transferred me to Purchasing.
On XX/XX/XXXX I purchased items with a total of {$180.00}. But when I get my statement I have to pay {$180.00} else. Not {$180.00}.
Today XX/XX/XXXXXXXX My credit score dropped by 10 points because my debt increased. Comenity Capital Bank reported that I carried over a balance, and charged me {$2.00} interest on the {$1.00} they over charged my on my XX/XX/XXXX purchase.
If I would have used nay other card that day, the sale would have been over & done. XXXX would have received their {$140.00} for the items I received.
If Comenity Capital Bank rounds up purchases by a XXXX and we pay it, think of all the free money they get. That worked for them in XXXX. So for XXXX they try to get an extra {$1.00} with no explanation, no rhyme or reason. It's stealing and hoping no one notices.
07/31/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
CA
94043
Web
Hello, This is regarding the closed claim # XXXX filed on XX/XX/XXXX with Comenity Bank XXXX XXXX XXXX XXXX credit card issuer. I see that the bank responded with the following message via your website ( I never received any letters or notifications from them with any explanation before I found their response here ) : 1. " We received your payment of {$95.00} on XX/XX/XXXX ; however, since it was paid on your old account ending XXXX, the payment didnt apply to this account and was returned to your bank on XX/XX/XXXX. '' - I never received any {$95.00} back on XX/XX/XXXX - this NOT true.
XXXX. " We've issued a refund check for {$77.00} '' - it was received but no explanation was provided.
XXXX. I had to pay an extra {$170.00} on XX/XX/XXXX, to close the account, so they wouldn't be reporting me as a delinquent account. So they charged me TWICE, actually- on XX/XX/XXXX and XX/XX/XXXX.
4. " Weve reviewed the relevant telephone calls, XXXX XXXX XXXX correspondence, and the disputed information. We found instances where your concerns were not addressed and the account wasnt serviced to our standards. Please accept our apology. Were committed to providing the best customer service and are disappointed when this standard isnt met. '' - Their customer service was the WORST nightmare ever. I've never experienced such an unprofessional handling of an issue in my life that was going on for almost 7 months! Because of this situation, my credit score was at the XXXX point and went XXXX to a XXXX XXXX I was stressed out, had health issues, and had XXXX for several months due to this situation.
Thank you and I hope you will be able to forward this information to Comenity Bank and inform them that I am NOT happy at all.
Respectfully, XXXX XXXX
06/27/2023
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
PA
168XX
Web
I took out a XXXX 's card and set up automatic payments. The payments didn't go through and I never got an email or letter telling me until after I got a late charge. When I called, I gave them the exact same bank account information I had entered for the auto-payment to process the payment over the phone with the late fee and it went through just fine. The person on the phone said she couldn't find any reason in the system why my auto-payment didn't go through and that the account info matched, so she wasn't sure what the problem was, but that I was responsible for the late fee even though it wasn't my fault. I had enough money to cover the payment in my checking account, so that wasn't the issue with why it wouldn't go through. I then told her to cancel the card because I wasn't going to deal with this headache every month and the person on the phone said she cancelled the card. This morning, I got an email telling me that I had a payment due on this card. I looked and there was a {$2.00} interest fee. I just called them again and was told that as soon as I paid the {$2.00} my card was slated to be cancelled in the system. This feels like extortion. How many times do I have to cancel this card before they will actually let me?! She said she would reverse the {$2.00} fee and the card would cancel, but I have very little faith that this will actually happen. I am wondering what my recourse is if they try to charge me a {$30.00} late fee on top of a {$2.00} interest fee? I do not understand how it is legal for credit cards to take advantage of people like this. I will never get a credit card through Comenity again, and as soon as I can pay off the other ones that go through their service, I will be cancelling those, if they'll even let me.
11/28/2022
Yes
Credit card or prepaid card
Store credit card
Trouble using your card
Can't use card to make purchases
OH
44024
Web
I received a statement from Woman Within in the amount of {$73.00}. I then paid this 2 days early. It was retuned. When I called them about this, they said " if I can prove that it was the banks fault, they will remove the late fees. '' I then called my bank and was told that the card did not enter my entire card number when they took the payment and that changed the entire account number. Now I am not able to place an order using my card. I just called the card again because I have no balance. I called them again today to ask why I am not able to make a purchase on my credit card. I was told it had to be 15days, XXXX XXXX, before I could use my card again. I asked the rep where it said that, he repeatedly said it was not on my statement. I again asked where does it state that I have to wait 15days. He could not tell me. I then asked to speak to a supervisor. When she came on I asked her why I could not use my card with a zero balance. She then said I have to wait until XX/XX/XXXX before I can use my card. I do not understand why the different days. She could not explain. I then asked why I was charged a fee of {$2.00} when I paid the balance in full 2 days before it was due. The only thing she could say was I paid the bill on XX/XX/2022 which is after the due date. The due date was XX/XX/2022. I paid it on XX/XX/2022 and they still charged me fees. They returned the rest of the fees and interest. Why not that? I was told I could not I could not charge anything until the {$35.00} was paid. That was paid on XX/XX/2022. On XX/XX/2022, I tried to place an order and was denied the ability to place it. No explanation as to why. I have a {$0.00} balance and am still not able to place an order. They must not want people to use their credit card.
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.
04/09/2023
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
XXXXX
Web
In XXXX of XXXX, I received a billing snapshot from New York & Company, Comenity Bank for {$37.00} via email. I contacted Comenity bank 's customer service and informed them that the charge was fraudulent. I was advised by the Comenity rep. that the card would be canceled and that a fraud investigation of the charge would start immediately. The representative disconnected the call without providing me with a reference number. I received another email snapshot from Comenity Bank on XX/XX/XXXX for a past-due bill of {$37.00} plus a late fee. I contacted the organization again and was advised by a representative that the fraud investigation takes up to 90 days and during the investigation, I will continue to receive monthly snapshots of the disputed charges.
I called back on XX/XX/XXXX and spoke with a representative who transferred me 3 more times. I was told by the 4th representative to contact the collection department at XXXX. I called the number, and the representative in the collections department informed that he was unable to assist and redirected me back to customer service. I didn't get any assistance from the rep. so I asked the last rep. that I spoke with to mail my statements from XXXX. I received only one statement for XX/XX/XXXX. I tried to access my online statements to no avail. I have requested a password reset link several times and did not receive a link to reset my password. Comenity Bank has been sending late payment reports of the charges to all 3 credit bureaus without proof that the charges are accurate and refusing to communicate their findings with me. The negative reporting to the credit bureaus is taking having a financial impact on my growing power. Your assistance in this matter would be greatly appreciated.
10/20/2022
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
130XX
Web
Older American
On XX/XX/XXXX : Received credit card from Comenity Bank, which was a replacement card due to buy -out of original bank. I had received no notice of this change. I called comenity to confirm the reality of this, as the change was immediate... /effective that day, and to ask two important questions,1 ) Are my automatic payments on this new card going to be transitioned by the new bank and 2 ) are my saved account # 's with places such as XXXX smoothly transitioned with no action needed on my part. The answer to both questions was YES, it's all covered by us. Neither of those things was true. Ive had difficulty with both. The newest problem, which prompted this complaint, is : : : I made an online purchase before the card changed hands, and 4 days ago, sent some of the items from that purchase back to the online company. The company called me, XX/XX/XXXX, as they are unable to refund my $ XXXX as the credit card # # is declined. I gave them the new card # #, and they can not process it, can not accept it. They said this has never happened before. SOOO I called Commenity again, ( I had also complained to them on XXXX XXXX re denied card, denied automatic payment etc ) and after 10 minutes with an agent, the supervisor said I should just get a cash refund. Its an online purchase, in another state. Then there were apparently going to be some " other things '' I could try and i said clearly : : : : : : : : : : NO. Your problem, not mine. What are YOU going to do to fix this. I did nothing wrong, Im not jumping thru hoops to fix your consistent mistakes and misrepresentations. And I hung up. I have sent complaints to FTC and XXXX as well as this one to you.They have clearly misrepresented the change over process and their abilty to handle it...
09/26/2022
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
PA
19355
Web
Older American
XX/XX/XXXX I purchased items at a XXXX store and got issued a new card from Comenity Bank for {$90.00}. They sent the new card and sent the Statement/Bill- and I paid it. on time.
XX/XX/XXXX I purchased items at a XXXX store for {$260.00} - I never recieved the bill/statement. By e-mail on XX/XX/XXXX Comenity bank stated that stated they changed to a different system and were waiving any late fees whose payments were due XX/XX/XXXX thru XX/XX/XXXX, I got nothing in the mail which is how i pay ( store Credit cards ) I never chaanged how i go my Bills from XXXX to XXXX.
XX/XX/XXXX thru XX/XX/XXXX I was in XXXX on Vaction and mail was picked up every day by house/Dog sitter. NO statement was mailed.
XX/XX/XXXX I purchased items at a XXXX store for {$210.00}. no problem XX/XX/XXXX Email from Commenity bank states they are concerned and wanted to " talk '' - still nothing in Writing.
XX/XX/XXXX Email says statement is ready and payment is DUE XX/XX/XXXX.
XX/XX/XXXX, Email states my payment of {$30.00} is due on XXXX, XXXX XXXX (? ) XX/XX/XXXX - Called 3 times nothing resolved total time 40 minutes. Canceled card.
XX/XX/XXXX Letter 1st correspondance recieved. Stating I owed {$560.00} - no breakdown in costs, nothing to verify why would owe this when it was the first time I recieved.
XX/XX/XXXX I called and complianed to XXXX. I am emailing them a copy of this complaint and paying the bill at the store. At XXXX XXXX Comenity Bank is in a complete financial mess and holding customers XXXX and NOT issueing bills as agreed, then collecting fees they say are due but in reality are fraud.
Comenity Bank - XXXX XXXX XXXX XXXX Ohio XXXX Comenity.net/XXXX Comenity Bank XXXX XXXX XXXX, XXXX TX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX, MA XXXX
07/15/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
NY
10028
Web
I have a XXXX XXXX XXXX co-brand credit card issued by Comenity Bank. Recently, my card had been stolen ( and thankfully later turned in by a Good Samaritan ), but I had called to have my credit card replaced by then.
Although my account was already setup for autopay, it appears that my new card did not maintain the autopay setting, and according to Comenity I missed a payment. Once I saw my new statement, including a late fee and interest, I immediately paid the bill in full.
However, my attempts to contact Comenity over the last 2 weeks to dispute the late fee and interest charge have been unsuccessful. For several days, their entire phone service was down ( i.e., even their IVR system was not working ), an issue they have acknowledged themselves on their website.
Now, while their IVR / automated response service seems to be working, it is still not possible to connect with a live agent to dispute the fees and settle this issue. I know I am not alone on this issue, and have seen many other Comenity customers on XXXX complain about the lack of customer service. I can understand an outage for a day or two, but for this to go on for weeks is simply unreasonable, especially when it affects people 's finances.
I have attached 4 items : ( 1 ) My most recent credit card statement with the late fee and interest charges highlighted ( 2 ) The payment slip for my XXXX co-brand credit card ( 3 ) A screenshot of other consumer complaints against Comenity on XXXX, dating from all the way back to XX/XX/XXXX, more than 2 weeks ago, and ( 4 ) A screenshot of the XXXX credit card website, which still shows the banner from Comenity acknowledging they still are having problems handling customer calls- this screenshot is from XX/XX/XXXX ( today ).
07/14/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
LA
712XX
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
283XX
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
11/05/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Other problem
VA
23434
Web
I am the primary card holder on a my BJ 's Credit card formerly issued by Comenity bank but now Bread Financial. My spouse is secondary owner and his credit card expired in XXXX. I've been trying to get a new card for him since XXXX with no success.
Initially my spouse submitted his request on the credit card website to which they said it would take 7-10 days to get to, unacceptable considering the urgency of the situation.
Then I called the company directly on XX/XX/22 spoke with XXXX who informed that the case is currently being worked on per the website submission. She provided a case id # XXXX and name of case manager XXXX XXXX.
Meanwhile had received a call that was traced as coming from Bread Financial, no message left. When I returned the call after determining it was Bread Financial I was told there was no record of any calls coming from them.
On XX/XX/22 called again, this time spoke with XXXX and requested escalation to which I spoke with XXXX in escalations. He informed that we would have a card in XXXX hrs. Never received. I asked him for a confirmation # for call and he said there was none.
I called again on XX/XX/22 and escalated to XXXX again and he informed he submitted the request and it would be received on Saturday. He assured that the card was sent out on XX/XX/22.
My mail has already been delivered for today and yet to received the card. Called again today and spoke with XXXX in escalations who informed a new card has been ordered and should be received on Tuesday. He provided a conf # XXXX
I had no complaints when my card was with Comenity, but this new transition to Bread Financial is horrible. This situation is overly complexing my spouse life as he uses that card quite regularly as a business man.
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
XXXXX
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.
08/21/2023
Yes
Credit card or prepaid card
Store credit card
Advertising and marketing, including promotional offers
Didn't receive advertised or promotional terms
NJ
07076
Web
We purchased a home and opened an Ikea Projekt card through Comenity Bank to help us finance our home projects. The terms of the card state that purchases over {$500.00} qualify for a 6-month 0 % APR, purchases over {$1000.00} qualify for 12 months at 0 %, and purchases over {$2500.00} qualify for 24 months at 0 % APR. Due to the logistics of our needs, we made 4 purchases, 2 over {$2500.00} that qualified for the 24 months and 2 over {$500.00} that qualified for the 6 months 0 % APR. We are now 2 months into our repayment, and our payments, including the amount over the minimum, are being applied to the largest balances first. We have been told we are not able to designate which balance our payments are applied to, even the excess of the minimum payment, unless we make a payment that pays one of the promotional balances in its entirety. Essentially, to avoid paying interest we have to make lump sum payments in the amounts of the two smaller 6 month amounts, which is a stark contrast to the advertised intention of dividing the cost of a project over a 6 month period. Rather than applying payments to the lowest or nearest term balance, in a way that is beneficial to the consumer, Comenity is insisting their system is only able to apply payments to the highest balances first, essentially guaranteeing that we will accrue interest and not benefit from the financing as advertised. I spent an hour on the phone today, escalated the call three times, finally got a complaint filed with XXXX by XXXX, but she clearly stated that I should not anticipate a follow up from Comenity, as that is not their policy. I would like my payments, especially those above the minimum payment, applied in an equitable manner that is to my benefit as a consumer.
11/22/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Information belongs to someone else
KS
66062
Web
I am reporting this company along with the credit reporting agencies for allowing these fraudulent accounts to stay on my reports, even though Ive given them ample proof that I not only DONT OWN THESE ACCOUNTS..But ALSO, Ive never even heard of these people EVER! The company Comenity Bank keeps saying that the information is accurate, but hasnt provided ONE ounce of proof other than telling the reporting agencies that the information is being reported accuratelyWHICH IS COMPLETELY FALSE BECAUSE I NEVER OPENED ANY ACCOUNT WITH COMENITY BANK OR ITS AFFILIATES, and its a shame that the credit reporting agencies are allowing this, CONSIDERING I HAVE FRAUD ALERTS ON ALL THE REPORTING AGENCIES, along with NUMEROUS FRAUDULENT ACCOUNTS ALREADY BEING REMOVED FROM MY REPORTS BECAUSE OF THE SAME THING. YET ALL THREE AGENCIES KEEP ALLOWING THIS COMPANY AND OTHERS TO SAY THE INFORMATION IF ACCURATE, JUST BECAUSE THEY HAVE A FEW PIECES OF INFORMATION. This is utterly ridiculous and Im tired of dealing with these companies not doing anything but confirming fraudulent information. I WANT THESE ACCOUNTS FOR THE FOLLOWING DELETED FROM ALL MY CRRDIT REPORTS ( XXXX, XXXX, XXXX ) : Comenity Bank - Victorias Secret Comenity Bank - Goodys I HAVE NEVER HAD ANY ACCOUNTS WITH THESE PEOPLE AND THEY ARE DRAGGING THEIR FEET BECAUSE THEY DONT WANT TO ADMIT THESE ACCOUNTS WERE OPENED FRAUDULENTLY..I have provided Identity Theft Affidavits, as well as proof of location and they STILL KEEP TRYING TO SAY I OWN THESE FRAUDULENT ACCOUNTS.LOOK AT THE PLACES THEY ARE FOR..I AM A GROWN MALE, WHY WOULD I SHOP AT EITHER OF THESE PLACES? AND I LOOKED UP GOODYS.THERE ISNT EVEN ONE ANYWHERE NEAR ME AND IVE NEVER HEARD OF THEM.DELETE THE ACCOUNTS OR FACE LEGAL REPERCUSSIONS..
10/19/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
VA
XXXXX
Web
Servicemember
On XX/XX/XXXX, I applied for a XXXX XXXX XXXX store card through Comenity bank and I was approved for a limit of {$15000.00} and a promotional APR of 0 % for 18 months on purchases over {$990.00}. I made a purchase of {$11000.00} on the same day hoping to take advantage of the promotional offer. I proceeded by setting up automatic payments and signing up for paperless statements so I wouldn't have to worry about the manual process of paying my financial obligations.
On XXXX, I called Comenity Bank to inquire about my credit card account balance in order to make a full payment of the remaining balance. I was given an amount of {$8100.00} which I immediately paid to settle my account down to a XXXX balance.
Comenity Bank recorded the payment on XX/XX/XXXX and prior to them recorded the payment, the assessed an accrued interest of the original principle amount of {$3700.00} on XX/XX/XXXX.
I have been explaining to them that I was under an 18 month 0 % APR promotion as stated clearly on Floor and Decor 's website. Comenity Bank is claiming a different agreement term of 12 months which contradicts Floor and Decor 's promotion.
I have fulfilled all my financial obligations with regard to Comenity Bank and I am not responsible for any human error of their part that may have led to them assuming that I was on a 12 month deal. The only reason I knew how much that I owed them in the amount of {$8100.00} is because that is what their representative told me and I could equally see that only. I would not have proceeded with making my full payment if I knew they were going to charge me interests much sooner. Comenity Bank needs to cancel the interest charges and refund me for the additional interest autopayments taken out of my bank account.
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
XXXXX
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
331XX
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.
04/11/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
NJ
07060
Web
Phoned to make {XXXX} payment over the phone on XX/XX/22. Balance was previously paid in full, yet accounts keeps billing at 28 %.
Expressed all of this to representative and that I was attempting to pay off card for the second time. Was assured it was handled.
Friday I received my statement indicating I was 30 days past due and that my payment was reversed. Received credit alert this morning indicating they had reported my account delinquent as well.
Phoned them and was told they had incorrect checking information for me. My account numbers have not changed in over 15 years, I use XXXX XXXX. Once I read the checking and routing information to the representative, she confirmed it was incorrect in their system. I asked her to make note of same and she processed the payment again.
My phone number nor email address have changed. Other than this statement received Friday this is the first I was made aware of their mistake.
The representative processed my payment this morning and has removed the late fees that were tacked on as a result of their error. I am simply attempting to have the delinquency removed from my credit report immediately.
I asked to speak to a supervisor, XXXX who refused to accommodate or assist me with reversing the delinquent mark on my credit report.
I even went so far as to state that mistakes happen, human error exists. Yet, it appeared the supervisor was insistent upon reading her script.
Note : the statement says returned payment, thats incorrect as they didnt have correct account to initiate a withdrawal. I have attached a screenshot of my account which shows that my other two Comenity accounts withdrew their payments successfully. The screenshot also shows the balance on the date of XXXX.
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.
11/29/2023
Yes
Credit card
Store credit card
Fees or interest
Unexpected increase in interest rate
MS
395XX
Web
Older American
Yes I was shocked when I called a company I had gotten a card from the be of the bank is comenity capital which is a part of big lots stores credit cards. I was asking them about my interest rates on a purchase and the agent said when I purchased a soda drink even though it was ( XXXX and some cents they charged me a XXXX interest rates on that XXXX item purchased for XXXX ) so I told him that's cheating and thief charging a ( XXXX interest rate when I just purchase a XXXX drink and he said that's how they do it and I told him that's a crime and fraud ) and after the criminal conversation I told him I can not have a card cheating and committing such criminal acts and fraud ) so I told him to close the account. Afterwards they send me a letter because I closed the account stating since I closed the account they will charge me a extra XXXX and some cents higher interest rates. And I contacted thier higher offices and told them I had to close the account because nobody told me if I purchase a soda or any other snacks at such a low price I will be charged ( XXXX and some cents charge for a XXXX or XXXX purchase then a XXXX and some cents interest rates on every purchase!!! That thief and fraud and robbing me and other card holders but the XXXX I'm the head offices still added a ( XXXX and interest rate after I told them what on XXXX XXXX and our loving father XXXX earth are they doing! Anyone would close such a fraudlet card. Tricking me and others into such a fraud and thief deals. They took the interest higher even though they are doing the stealing robbing cheating and fraud. Which Is a federal offence. Even though I was mislead about how they did interest rates. This is illegal and a crime and refused to lower it. Be blessed
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.
10/11/2023
Yes
Credit card
Store credit card
Fees or interest
Problem with fees
MD
21093
Web
I paid off my credit card bill in full on XX/XX/XXXX. On XX/XX/XXXX Comenity Bread Financial charged a minimum interest of {$2.00}. I did not receive a bill. Since I had paid off the account, I did not go online to check the account. I was charged a late fee of {$2.00} on XXXX, and then another {$2.00} interest on XXXX, and then another late fee of {$6.00}, and then another interest charge of {$2.00} on XX/XX/XXXX.
Today, for the first time since I paid off the account on XXXX, I received a bill reflecting the balance of {$14.00}. I called Comenity Bread Financial, and they indicated that while I had a XXXX balance as of XXXX, I had only made a partial payment in XXXX, XXXX. They said interest for the previous month does not reflect on the bill, so when I paid off the account in XXXX, XXXX, it did not cover the {$2.00} minimum interest charge - which had never been included on the bill - so that is why I was charged the {$2.00} interest charge on XX/XX/XXXX.
They told me unless I paid the full account balance 2 months in a row, I would continue to be charged interest. This is ridiculous. If I paid the full account balance off ( which I did ) and then made no further purchases after that, how could I ever pay off the full account balance 2 months in a row?
The XXXX bill was the first bill that I was sent since I paid off the XXXX bill on XXXX, so I was not even put on notice that these charges were still accruing.
I spoke with a supervisor XXXX who indicated that she would reduce the {$14.00} outstanding balance down to {$2.00} but if I paid that amount, I would then be charged a minimum interest charge of {$2.00} in XXXX, so I would have to pay that again in order to have paid my " full balance '' 2 months in a row.
10/13/2022
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Information is missing that should be on the report
AL
35242
Web
I have had an issue with Comenity bank on 2 credit cards I have through them - 1 for Zales, and 1 for Torrid. since XXXX of 2022, no payment made for each month, made on time or before the due date has been reported to XXXX XXXX, XXXX or XXXX. in XXXX I made a XXXX payment to the Zales account, and a close to XXXX payment on Torrid, and paid both balances down to around 20 % of each. payments since then have also failed to be reported.
I contacted Comenity directly several times, once i was transferred to a phone menu that only allowed me to request a credit report or to end the call - requesting an agent was responded with an unable to do so. I called back and was hung up on. a 3rd call, all the person said she could do was to send me a statement in the mail - when I mentioned that did not solve the issue with the info not being reported, she said she could not see my score - when I requested a supervisor, I was thanked for calling and disconnected.
currently my wife and I are trying to get a mortgage for our 1st home, and all my my credit scores are severely impacted by Comenity 's lack of providing info to the 3 CB 's, and as such is jeopardizing our ability to purchase a house. they are unwilling to work with me or speak with me to work the details out, and I need help.
the ironic slap in the face is, I got a letter in the mail from them stating that due to my credit score dropping, they were reducing the credit limit of the zales card to XXXX dollars- which is less than the current balance i paid it down to when the limit was XXXX originally. they have punished me for their own negligence and indifference, and is now going to hurt me again by dripping my credit limit and making it appear i am still over my limit.
08/01/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
TX
77389
Web
XX/XX/XXXX I started my journey getting some much-needed dental work. Unfortunately the dentist did not do a good job and I had to ask for a refund. I used XXXX credit company to finance this. After many months of deliberation I received a refund and the Account was paid in full on XX/XX/XXXX. Several weeks before the account was paid I opened an investigation on their account page to make sure it was taken care of because the dentist was not doing his job. After seeing the account was closed I tried several times to call the company but due to some issues after a system update you can not physically reach anybody for almost a week. I was finally able to reach a gentleman on XX/XX/XXXX and he informed me that he would get the investigation closed, that was the reason I had not gotten a check yet because the investigation was still open, and a check would be sent out immediately. The {$990.00} check is the amount that I paid into the account that was 100 % refunded. I waited for XXXX weeks and still no check so I called again and was informed by a supervisor that because of the size of the check for {$990.00}, it could take XXXX to XXXX business days so just give it a few more days. Fast forward XX/XX/XXXX and still no check. I called them again and spoke to a supervisor on XX/XX/XXXX and informed her that I was told the check was on the way everything was closed and I did not receive my check. Her new story was that the investigation takes several days to close and that a check had not been sent out yet and nothing would happen until the XXXX. So I was told the investigation would be closed, I was told a check was on the way, I was told to wait several more days, and now XXXX getting a new story. And I still have no check.
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
198XX
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!
03/09/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
LA
XXXXX
Web
Older American
I've had an XXXX Credit Card since XXXX. XXXX 's administered the card until XXXX. The new card administrator became Comenity Capital Bank. Soon after Comenity took over, I called to redeem my XXXX points that I had on their takeover. They explained that I couldn't redeem my point for the $ XXXX/XXXX points, and that the only way to redeem them for the full rate was to offset a purchase for XXXX tickets or at XXXX stores. I have to renew my Saints season tickets by Friday, XXXX XX/XX/XXXXXXXX. I called on XXXX XXXX to let them know I was about to purchase my card and inquire about how to optimize my redemption of prior points. The agent at a call center redeem my points during my questioning for $ XXXX/XXXX points, giving me a {$300.00} statement credit. I told her that was not what I wanted. I was not read a disclaimer about the redemption. I asked to talk to a supervisor. I got a nice rep named XXXX. She didn't know how to reverse the redemption, so she asked XXXX of the other supervisors in her center. She told me she would transfer me to a higher level. I got a rep named XXXX XXXX. I explained the whole ordeal. He said he would have to go back and review my conversation with the initial rep and that he would call me by XXXX that night. All this happened on the same call into Comenity. I never got a call back, so I called back XXXX XXXX, asked for a supervior, and got a rep named XXXX. He read the notes on the account that XXXX XXXX entered. XXXX XXXX said everything was done correctly and that he'd tried to return a call to me. I had told XXXX XXXX to call my cell phone, and he did not. XXXX told me I have the credit on my account, and that's all there is to it. I got ripped off over {$300.00}, and I don't like it!
01/31/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
CA
XXXXX
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
152XX
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.
07/27/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
MN
550XX
Web
I closed my XXXXXXXX XXXX card back in XXXX of XXXX, and did mistakenly miss an interest payment ( I believe ) from XXXX of XXXX, therefore interest incurred as well as a late fee. Unfortunately their phone lines had been down all through the end of XXXX but I was able to reach one representative who told me she couldn't help me as my account had been closed. She transferred me to another line that was never answered.
I then tried to call numerous times, but my calls were always answered by what sounded like an answering machine stating that they apologized for the inconvenience, but we needed to make a payment we could do so by making payments online ... which unfortunately I was unable to do because I no longer had access to the online login function being my account had been closed. During this time the pay by phone function was down as well, so I paid the balance in full by mailing a check on XX/XX/XXXX. My check was cashed on XX/XX/XXXX of {$47.00} and the due date wasn't until XX/XX/XXXX, so I knew this should take care of it. However, I received a statement via email yesterday, XX/XX/XXXX account asking me to sign into my account online and pay a {$2.00} charge - interest from XXXX. I'm concerned that this is going to keep happening if I can't catch the {$2.00} fee, which shouldn't be happening as the account has been paid off - officially as of XX/XX/XXXX. When I paid the {$2.00} fee by phone today with a rep ( the system is back up apparently ) she told me the {$2.00} charge was interest ... I didn't dispute the charge but I am concerned.
I guess I just wanted to start a record of this in case this continues to happen. There shouldn't be interest on a balance that's been paid off well before the due date.
04/27/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
WA
98387
Web
Who, What, When, Where, Why, and How?
I am Authorizing this Dispute I was contacted by a notice by CB/Express attempting to collect a late payment debt that I am unaware of seeing that I always make my payments ontime so I am not agreeing with this information. They reported negative and defaming information to my credit report beginning XX/XX/2022. I have not received and sufficient information in order to validate this matter. I do not agree with their actions. i have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) States Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
12 CFR 1022.41 ( d ) States also Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
03/29/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
615XX
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
01/10/2023
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
SC
29526
Web
Servicemember
on XX/XX/XXXX i purchased a pool for XXXX and paid this pool off on XX/XX/XXXX XXXX payment of XXXX and additional payment of XXXX which paid off both my statements for each month of XXXX and XXXX. At the end of XXXX I disputed the XXXX because till today the pool has not been completed, But the bank stated they would give me a credit, which they never did, I still made all my monthly payments, in full and never did not make any payments to my account. Never used the any monies that had anything to do with the dispute. Then on XXXX XXXX the bank showed a XXXX charge on my account, which they claimed XXXX XXXX XXXX made, which in XXXX i come to find out from the fraud department it was not XXXX XXXX XXXX it was the bank itself trying to charge me for something they never had given me back, Which clearly shows on my credit card statements that I never received a credit and continued to make my balance payments. Then When I filed a fraud Dispute the Fraud depatment figured out that it was the dispute department that made the error, and Lied and said it was the bank. Then I called back again, and spoke with a supervisor, and we went through every statement and he saw that I was correct and could not understand if I paid my statements in full why the dispute department recharged me for something they never credited me back for on my acccount. I have every credit card statement it shows, that every bill was paid in full and the supervisor went through each one with me and saw the exact same thing, and could not believe why his dispute department did what they did, and if this bank has recordings they should pull it to see how this is strickly on the bank. They are trying to charge me for something that they never gave me.
06/28/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
ID
83646
Web
On XX/XX/XXXX I completed a debt consolidation loan with one of the banks I work with ( XXXX XXXX XXXX XXXX ). They requested the ability to send cashiers checks directly to some of the creditors we were paying to which I agreed. The largest debt was an XXXX XXXX credit card issued by Commentity Bank. The balance at the time the check was sent ( XX/XX/XXXX ) was XXXX but the check was sent out for XXXX because it had not included a payment i recently made.
According to the mail tracking the check was received on XX/XX/XXXX and the balance had not changed. On XX/XX/XXXX I noticed the check had not been credited to my account so I began calling in because I started incurring " interest charges '' of XXXX. I opened a dispute and sent them copies of the check, the delivery receipt from the mail, and included the payoff form they sent us. It has now been 2 months and I have called them dozens of times, my bank has called them dozens of times but the bottom line is they told me that I would not need to worry about making a payment while they located the check and I have that in writing. They knew I was in the middle of buying a home but I can not close until they show the account at a XXXX balance. I have also been paying on my new loan with onpoint. I work up yesterday to see that they reported me 30 days late and that dropped my credit score by over XXXX points.
Every time i reach out to them I get someone new and the same response or a different story entirely. They will not sign the form to release the check and continue to tell me that checks can take 30 days to process and disputes can take up to 90 days to process. I am BEYOND furious at this point and need someone they will listen to and respect to intervene.
03/17/2023
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
MI
49048
Web
Recieved a call on two different phone numbers from the same company stating that a credit card for Comenity bank XXXX lane bryant card stating that my account was being sent to civil court in my county. They stated the amount I could pay today or the amount it would cost me in court. The card in question was paid in 2018 and account closed. I told them the account had been paid they argued back stating it was going to civil court. I called comenity bank who had no record of this card as it has been pain and archived. I again called the company asking for the money they refused to give me their name and hung up. It was yesterday so I called them back after XXXX XXXX and it was an answering machine stating their name was XXXX XXXX XXXX out of a different state. The phone numbers calling me were ( XXXX ) XXXX and XXXX XXXX XXXX phone number was ( XXXX ) XXXX. When I tried reaching out to that number to tell that company that someone was using their company to get money or debts already paid my call would not go thru. Also I must mention that when this person originally talked to me they did state this account was going into civil court in my county I did reach out to civil court in my county and they had no record of anything. Lucky for me I knew this account had been paid and I did not fall for their SCAM. Instead I reached out to Comenity bank and was told the account had been archived as it was paid and I reached out to my countys civil court office since the company did say my account had been sent there and a process server was going to be serving me. This company needs to be shut down for Scamming people. Not everyone thinks like I do to further investigate. Older people would have just given them the payment.
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
XXXXX
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
318XX
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
220XX
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
147XX
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.
11/24/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
CO
80301
Web
On XXXX XXXX there were XXXX hard inquiries on XXXX.
I called XXXX. The XXXX hard inquiries were related to my victorias secret master card. Comenity bank vsmc XX/XX/2023 XX/XX/2023 XXXX XXXX shows no information on their end that would lead to hard inquiries or fraud behavior. No new accounts in my name. Nothing in other regions. No requests for increases. No changes in account that would lead to hard inquiries. The account is active.
Called XXXX back to tell them this. They said there is no mistake for the process leading to hard inquiries. They asked who I spoke to. I said I spoke to both disputes and fraud from the number on the back of my card. They said the hard inquiries through comenity bank XXXX was for this number : XXXX and to contact them I call back comenity bank to ask if that number is associated with them or anything related to my accounts. The said it was not associated with them in any way.
After some back and forth between XXXX and XXXX, setting up fraud alert and security freeze I called the number ( number protected ) XXXX to see what this number is associated with. The call rings repeatedly then says, " call busy '', gives the busy tone and ends automatically.
Because the number is not associated with comenity, is on the XXXX report, is able to pull hard inquiries but isn't an official business contact number this is fraud. I don't know if my identity is safe. My information is clearly accessible. And it's at a level that XXXX and my credit card company are also confused. Please look into this phone number and how this could happen. Also, if the hard inquiries are related to something we aren't seeing at this time. We obviously aren't seeing the whole picture but something is here.
11/22/2023
Yes
Credit card
Store credit card
Other features, terms, or problems
Problem with rewards from credit card
MA
017XX
Web
I opened an ikea credit card attracted by the promised 5 % cash back on in-store purchases, and has beeing using the card for about 2 years. I was shocked to discover that I only have {$11.00} in rewards accumulated over the past XXXX years of using the XXXX credit card. I called comenity ( the bank who issued my ikea credit card ) today ( XX/XX/2023 ) and asked them where are my rewards.
During my conversation with a representative from the customer service team, I was informed that reward certificates are issued with every billing statement and that these certificates expire XXXX months after issuance. As I have enrolled in paperless statements, I have been missing out on these reward certificates, as they can only be obtained by downloading billing statements online.
My primary concern is that I was never notified about the issuance of these reward certificates on a monthly basis. Given the nature of the rewards program and the expiration period, it is disheartening to learn that I have missed out on a substantial amount totaling {$310.00} in rewards. I believe it is unfair for customers who have enrolled in paperless statements to be denied proper notification of rewards issuance.
Furthermore, while I understand that the terms and conditions XXXX have been outlined in the agreement when I initially opened the account, I do not recall this information being adequately emphasized. It is crucial for customers to be clearly informed about such conditions, especially those that significantly impact their ability to enjoy the benefits of the rewards program.
I kindly request a thorough investigation into this matter and a review of your notification processes for customers enrolled in paperless statements.
12/16/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CA
92532
Web
Servicemember
Express and Comenity Bank has to be one of the shadiest companies in existence I used the card once to ensure I was using it I purchased one shirt i paid off said shirt same month which was months ago.
I paid this using certified funds debit card on a recorded line with a live agent they stated they were having system issues and it needed to be applied manually I uploaded proof of payment 4+ times and spoke to countless supervisors all of whom stated they were zeroing out account They charged me interest and {$90.00} in late fees for {$36.00} transaction predatory tactics they waived these like they were doing me a favor they said UM no you were trying to rip me off and its predatory so you waived They have added the same {$90.00} in late fees and even more interest since such time they said they resolved this months ago they slashed my credit citing missed payment which was also to be fixed not only did I not miss a payment you scam artists I paid early and it was a whopping {$36.00} I assure I did not miss and this has been verified over 20 times in the last 6 months I was absolutely appalled when I randomly logged in to see if they restored my credit limit for the holidays I was thinking of using and not only did they not as advised they have yet to XXXX this out as stated in XXXX XXXX XXXX XXXX XXXX They even advised if I filed a grievance I might be subject to account closure what kind of mafia style bank is this I have countless accounts with you never once late you disgust me Seriously? You charged {$210.00} for {$36.00} paid over 5 months ago and repeatedly stated that this zeroed out and no payment due you have already advised countless times no payment due this is your absolute error and system issues
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
601XX
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.
03/31/2023
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
30058
Web
On XX/XX/XXXX, I made a $ XXXX purchase on my Comenity XXXX. My plan was to pay off the balance the following month. However, I was unable to due to issues with the company 's website. I made many attempts to contacting them with no success. I even sent a letter to them informing them of my difficulties to pay off my balance. On XX/XX/XXXX, I manage to pay $ XXXX towards my balance. Since I didn't pay off the balance, {$75.00} interest was added on my balance despite their website was under update, so I was told. the company still charged me even though I asked for waiver. On XXXX, XXXX, I made a payment of $ XXXX which and additional interest of {$64.00} was added again to my balance. On XX/XX/XXXX, I contacted customer service to pay off the balance once and for all. I asked for the current balance to be paid and was told {$2100.00} I paid it off. Then a week later I checked my account and noticed I still had a balance which now increased to {$2100.00}. So, XX/XX/XXXX, I called customer service once again and was told that the payment I had made was returned, so extra fees was applied. I told them that I would pay the balance and requesting that my account be closed permanently. They agreed to comply with my request. The following month I received a statement for a balance of {$49.00} I have been trying to dispute the balance ever since and as of XX/XX/XXXX, my balance is {$300.00} of just fees which I have asked to close the account not including any purchases. I made several attempts to resolve this concern, however, Comenity made no effort to assist me. I even reached out to the CEO of the company. This issue has affected my credit score and wants it resolve. Please help me for I'm running out of options.
06/05/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
SD
573XX
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
349XX
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.
05/17/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Can't close your account
MI
480XX
Web
Comenity Bank is clearly a predatory lender and needs to put on notice. I opened a visa charge card account at the XXXX XXXX retail chain which is handled by Comenity Bank. I used the credit card to purchase an item at one of the store locations.
I promptly paid off the account however, the bank statements were confusing and misleading. There were two different balances on the statement. I payed the amount that was indicating what seemed to be the total balance owed in an attempt to bring the balance to XXXX. On XX/XX/2023, I payed {$290.00} to bring this balance to XXXX. On XX/XX/2023, I receive a statement showing a balance of {$5.00} with an additional late fee of {$32.00}. I immediately contacted Commenity to dispute this reported balance and now trumped up late fee. I indicated that I paid the balance on the statement and that the balance should be XXXX. I explained to them why would I intentionally leave a {$5.00} amount due??? The banks statements are purposely misleading, confusing and unclear so that they can then churn customers with ambiguous and deceitful late fees etc. They would not remove the late fee and insisted that in order to close the account, I must pay the {$32.00} late fee and {$5.00} balance which I did over the phone. I wish to receive from Comenity Bank a refund for the {$32.00} late fee, I then continue to get statements from this bank indicating I have a {$.00} ( XXXX XXXX ) credit on my account. I have made numerous calls to this bank indicating to close the account, wipe away the XXXX XXXX credit and send me a letter indicating that this account have been completely closed with XXXX balance. I am continuing to receive statements indicating that this account is still active.
01/27/2021
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Privacy issues
NJ
074XX
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.
03/10/2023
Yes
Credit card or prepaid card
Store credit card
Incorrect information on your report
Account information incorrect
NY
11206
Web
I chose to close my New York and Company card with Comenity years ago, but still continued to pay down my balance. The company had done some upgrades to their website back in XXXX of 2022, and users were unable to log in. They stated work was completed sometime in XXXX and that users by then should've regained access to their accounts. Come XXXX, I still could not log in. I gained access like a week into XXXX and then paid my bill. I was charged a late fee that they refused to remove.
The last statement that generated on my account was for XX/XX/2022, with a balance of XXXX. For months no other statement had generated yet I continued to pay, up to a total of XXXX. In XXXX I decided to login and check my balance, which still remained more than XXXX, despite the account being closed, {$170.00} dollars in payments and interest that was only about {$2.00} dollars. I submitted questions and another request to remove that late fee for when their website was not working and I got the same generic response and refusal. I also explained that my balance was not dropping despite payments to no avail. Fast forward into a request to launch an investigation because I feel comenity is committing fraud on my account, they continue to post late payments and report to the credit bureaus that I am late and now those months of not having statements generated magically show up on my account. I took screenshots of all of this.
They hound me by calling me about 10 times a day, from different numbers and/or blocked numbers. They sometimes don't identify themselves, and I've had instances where the reps hang up as soon as I pick up. I guess they want the call to show up on the log but they want to get paid for harassing people.
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
019XX
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.
03/06/2023
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NJ
07840
Web
I received a bill for a valid purchase for XXXX XXXX on XX/XX/XXXX with a due date of XX/XX/XXXX. I immediately made payment via online banking with my bank in XXXX, Fl to a processing center in XXXX, TX. I was provided with 6 business days to ensure payment.
On XX/XX/XXXX, I received another bill for XXXX dollars as a late fee as they indicated that they did not process my original payment ( I believe ) until XX/XX/XXXX. I immediately called them the evening of XX/XX/XXXX and they refused to waive the fee. But they informed me that they were slow in processing bills after the holidays but everything was better now. I did not want to argue so I simply paid the fee again through online banking ( which was processed by my bank on XX/XX/XXXX ) and cancelled my card. This time I was given 7 business days from receipt of bill to make payment.
To my surprise, I received another bill today, XX/XX/XXXX for another XXXX dollar late fee for the XXXX dollar late fee as they indicated they processed it on XX/XX/XXXX. I do not have a store near me to make payment nor do I provide my account information online or on the phone to make payments. I paid the bill the date I received it. The post office informs me that it should take 2 days to send from XXXX to XXXX.
I spoke with 7 individuals today alone telling me that they can not waive the fee as I cancelled my card nor was there anyone I could contact via phone or email but rather I could complain via mail and provided a physical address. At the rate we are going I will always have a XXXX dollar late fee each month for the late fee if they do not notify me of the bill in a more timely fashion because clearly the date received is not an appropriate amount of time.
12/01/2020
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
PA
172XX
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.
08/09/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
MI
48021
Web
I have an Ulta XXXX Rewards MasterCard where every purchase I make, I am entitled to earn Ulta points for cash back on products directly in their store.
After each months billing statement closes, the points are processed and uploaded to my rewards account.
This usually occurs on or around the XXXX of each month, as my billing closing date is usually around the XXXX or so.
For the Month of XX/XX/2022, Comenity Bank/Ulta XXXX Rewards MasterCard has failed to provide me with the points I have earned.
I called the rewards center and they lied to me and told me it was because my bill was not paid. This is a bald face lie. I actually make very large payments, and bi weekly on my own accord. Payments had been made on this account, and the statement isn't even due until around XX/XX/XXXX or so.
I was then told it was because my card was cancelled, which is also a lie. There was fraud on the card # that was issued to me, I called and reported it, they cancelled that specific card number, and are supposedly issuing me a new one, my card and account has always been in good standing.
So the rewards center had me call back the credit card number of XXXX again.
The rep on this call stated to me " the point system is broken and we don't know when it will be back up. '' I earned those points and I want them issued in accordance with the contract I signed. I adhere to my contract and all payments are made. I have the right to those points, and that is what I use to shop for necessities for hair and body care items.
They have falsely misled me by saying my points will be available and I've been harmed by their lies and illegitimate practice.
They can manually add my points up and get them to my account
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.
08/25/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
CA
93551
Web
Re : XXXX XXXX Ikea account In early XXXX I posted a payment to my Ikea card with an account # ending in XXXX. That payment cleared my bank on XX/XX/22. My monthly bill is not due until the XXXX of each month. I usually pay my bill early.
When I logged in again to schedule my payment for XXXX I realized this account is being flagged as " late '' AND has been assessed a {$41.00} late fee. I wrote XXXX via the secured message center on XX/XX/22 and asked that late fee be waived given the fact that I had my payment promptly. I explained that I came to realize that Ikea/Commenity did not receive the full minimum payment due because of an error on their end, not mine. The amount they received was {$27.00} but that's because ever since BREAD became a part of the XXXX Co their system CONSISTENTLY changes the payment amounts on the screen before final processing.
I know this for certain because I also have XXXX, Victorias Secret and other XXXX cards. Whenever I try pay more than the minimum, I have to manually the amount on the screen, by the time I get to the next window the amount reflected is NOT what I typed in and it is ALWAYS less. I have to re-do it 3 or 4 times before it rectifies for each account every single month. This happens across the board with all Bread/Commenity accounts. Given that the glitch is so rampant it must have done it with this account except I must not havre catched it this one time.
Therefore this late fee is not something that is properly assessed because it was caused by the creditors own system issues. I was thinking of reporting this issue before because it so rampant but did not. Now that I'm being assessed a late fee that I don't deserve, I feel compelled to complain.
06/21/2022
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
SC
293XX
Web
I bought two rugs from XXXX. I tried to return one it had been a few months but they said they had a 7 day return policy so I was stuck with one I still havent opened in the shipping package it came in but I paid {$570.00} so I was stuck paying for both rugs. Which one of them I cant ever use its the wrong size and even in pristeen condition they still wouldnt return it. I since have tried to sell it and havent been able to. The problem that I called in for though was Ive paid the entire bill off and made my final payment in XXXX of 2022. It was on time and the balance payoff I paid. I got in the mail today a {$2.00} charge for XX/XX/2022 that they told me was for not having a balance. I have to have a balance to pay in order to leave the card open for having no purchases anymore. I planned on keeping it open but not making any future purchases but Im not paying once a month to have a card that is unuseful because I have been TOLD its not good to close accounts because it effects most credit reports negatively. So heres my question, is that not illegal to charge me just to keep it open? Im on XXXX and Im on a fixed income and what little I get I have been paying off 5 cards Ive paid off two. Ive attached the bill that came for XXXX and no where does it say that I have to have a balance on the card. I owe {$2.00} and Im going to pay it but I did close the account with the man I spoke to and they are sending me a copy of the paperwork showing that I paid it off and that its closed. Ive also have other cards with this company and Ive had problems with them too this company has too many cards that they supply for many different stores. Its Commenity.net.
Thank you for your time and patience.
XXXX XXXX
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
231XX
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?
06/21/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account information incorrect
SC
29646
Web
I am writing to bring to your attention a concerning issue I have encountered with Comenity Bank regarding the re-aging of my account, which I believe to be in violation of consumer protection laws.
In XX/XX/XXXX, I obtained a copy of my credit report. According to that report, the Date of First Delinquency ( DOFD ) for my account with Comenity Bank was listed as XX/XX/XXXX. However, upon reviewing my most recent credit report from XX/XX/XXXX, I discovered that the DOFD had been inexplicably changed to XX/XX/XXXX.
This sudden alteration of the DOFD by Comenity Bank raises serious concerns about the accuracy and integrity of my credit report, as well as potential violations of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Re-aging an account, which involves changing the reported date of delinquency to extend the time period for which negative information remains on a credit report, is widely recognized as an unfair and deceptive practice.
I wish to emphasize that I have not engaged in any activity or made any agreement with Comenity Bank that would justify a change in the DOFD on my account. The XX/XX/XXXX credit report accurately reflected the original delinquency date of XX/XX/XXXX, and there have been no new incidents of delinquency or default since that time.
I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Comenity Bank if it is determined that they have indeed engaged in illegal re-aging practices. Additionally, I would appreciate your guidance on the steps I can take to rectify this issue and ensure that my credit report reflects accurate and lawful information.
12/01/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
WA
98502
Web
I have a XXXX XXXX XXXX credit card which was administered by XXXX XXXX XXXX. A couple of months ago, Comenity Bank apparently purchased the XXXX card from XXXX XXXX XXXX and it seems I was supposed to get a new card and account number in the mail last month. However, I did not receive anything at all, and attempts to log into my account failed because the XXXX info was no longer valid.
The first contact I received from Comenity was a bill in the mail this month, which advised me that there was now a late charge on my account because of a missed payment. Bear in mind that I couldn't have made a payment anyway because I didn't have the new account number, and even on this late notice they didn't display the account number ( it was masked with asterisks except for the last XXXX digits ). I tried calling to resolve these issues, and after dealing with long holds, department transfers and even complete disconnections from the line, today I finally reached someone named XXXX. I was told they could not remove the late charge because the account had been closed in XXXX of 2017. That date obviously made no sense but that's what she said the record showed. I told her that while navigating their phone tree, I had indicated I wanted to speak to someone about making a payment and closing the account but I had never gotten the chance to do so and it appears their system did it automatically ( and assigned a date of XX/XX/2017 as the closing date for some reason ).
At this point, I assume the account is actually closed but I don't know that for certain. I would like to confirm that and I was like to be reimbursed for the late charge they assessed since none of this was my fault. Thank you for your time.
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
939XX
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
941XX
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.
01/03/2023
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
295XX
Web
Servicemember
Back in mid XXXX I attempted to make a purchase with my Bread Cashback XXXX XXXX issued by Cominity Bank. I inadvertently entered a wrong character and was immediately locked out of my card. The following day I called and was put thru to Fraud Department, the person was polite and informed me they would mail me forms to submit. I never received that mail, only an e-mail ( at the time I was on the phone with them ) to contact the fraud department. I received a secure message in my account on XX/XX/XXXX acknowledging my message to them with regard to my frozen card. On XX/XX/XXXX or XX/XX/XXXX I called again, this time I was politely instructed to send a copy of my drivers license ( front and back ) my social security card ( front and back ) and a utility bill or bank statement showing my name and address. I submitted my cable/phone/internet bill along with my D.L. and SS Card as requested via e-mail. I called them again this morning and kept getting an automated message telling me my account was closed goodbye. For the first time I was unable to speak with an actual person. VIA internet research I found a phone number for Fraud Department and called. I was informed that the bank closed my card because only gas, electric or water are considered utilities and I am free to reapply. I/we use well water so no water bill, electric is in my wifes name and we do not have a gas line. At no time was there any instruction of a utility bill and this is the first time I have ever been told that cable/phone/internet are not a utility. I did follow their instruction to reapply however I got denied for an existing account. I filed a complaint with the XXXX and am now seeking your assistance to resolve. Thank you
12/19/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
WV
253XX
Web
My Victoria 's Secret Credit Card was cancelled in XXXX of 2022. Ever since I have cancelled my card it has been nothing but surprise fees and finance charges that have resulted in the fact that I am still trying to fully pay of the balance due to being continuously charged finance charges and late fees. The payment this month was due on XX/XX/XXXX, and it was paid on XX/XX/XXXX, resulting in more charges of XXXX. I was able to have my late fees refunded on XX/XX/2022 in the tune of XXXX, and that was done by a customer representative with the credit card company, Comenity. I was told that I only had to pay another XXXX payment and another XXXX payment and that the card would be at a XXXX balance. I requested a letter stating this and was told one could not be provided. The representative with the credit card company said that there is no way to waive a fee and that if I made the payment of XXXX before the billing due date that the card would be at a XXXX balance. I again requested a letter verifying this information and I was told that there would not be a letter provided until the card was actually at a XXXX balance. I am honestly fearing that there will be more finance charges and fees for a card that was closed out in XX/XX/2022. I have also not received a statement of any kind from the credit card company since XXXX of 2022. I also find it very disturbing that my card still has an available credit balance and tells me what my credit limit is when I call into their automated system for the credit card company. If the card was truly closed as it should have been in XX/XX/2022, then why am I still able to see that information? I will never ever get another credit card that deals with Comenity.
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
XXXXX
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
982XX
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.
08/15/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
VA
22043
Web
After an hour on the phone with Comenity, who manages Ann Taylor XXXX XXXX, it turns out there was a system upgrade which resulted in omission of a XXXX statement. This led to all customers having A LATE FEE assigned to them in the XXXX statement. Billing cycle closes on XXXX of the month and any charge after XXXX shouldve appeared on a XXXX statement if there had actually been one issued. The company had no explanation, no offer of how they were, if at all, going to mitigate this issue for customers. It took me insisting on speaking to a supervisor to get the late fee removed from my account as the first person didnt have authority to do this. I have never missed a payment in FULL in my life and this excuse of theirs is inexcusable and I am filing a complaint with CFPB.gov especially on behalf of the countless others who may not be aware or able to advocate for themselves.
I wouldnt have even noticed this if I hadnt dug in because I automatically pay my credit card bills whenever they come into my checking account but obviously XXXX was nonexistent which led to XXXX problem. Supposedly this is not yet reported to credit bureaus but Im upset over the principle of the matter and the companys cavalier attitude. That is certainly no way to operate a business no less one that involves ones finances!
Bottom line is the late fee is not my fault but company error for which they have NO PLAN to rectify. Theyve credited me the late fee and interest but theres no way of knowing whether this will impact my credit score nor should it even get to that point.
Be aware. Comenity Bank clearly does not have any plans in place to protect their customers. They have no accountability and I do not trust them.
04/16/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Closing your account
Company closed your account
TX
76131
Web
Comenity XXXX XXXX XXXX decided to close my account for absolutely no reason and I believe it was a retaliation for complaining about the horrible customer service I received when I called on XX/XX/XXXX. This company is engaging not only in highly unethical business practices but allowing their reps to penalize customers who are unsatisfied with their services.
Everything started when I used my card overseas for one single transition in XXXX, 2022. I immediately received a text stating that card is blocked till further verification. When I returned home I called the company on XX/XX/XXXX and spoke to a very rude female rep.I did not like her tone and how disrespectful and biased she was on the call so I told her to transfer me to someone else immediately as I won't tolerate that disrespect. The second rep who was a male was helpful, walked me through the identity verification check and confirmed at the end of the call that my card and account should be good to use immediately.
Fast forward to XX/XX/XXXX I find out that my card was actually closed off instead of being unblocked and that the person who did it behind the scene was a female rep. Her name was XXXX I believe. She listed the reason as " Didn't pass the identity check '' even though that's a lie. I'm certain the same unprofessional rep I spoke to on XX/XX/XXXX is the same person behind closing my account and lying about the reason. I escalated to a supervisor her name is XXXX ( Extension XXXX ) and confirmed that my account was closed by mistake. She said that she will reinstate my card immediately but I'm not sure they will be reviewing the call recording with that rep or do any internal investigation about the retaliation part.
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
190XX
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.
12/29/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
PA
191XX
Web
This complaint is regarding the Comenity Bank XXXX XXXX credit card ending in XXXX. I have made MANY attempts to resolve this issue - several times by telephone, by message, by letter to bank president, by complaint to XXXXXXXX XXXX XXXX. With that in mind, I'll be as brief as possible.
1 ). My first payment was late by two days because XXXX store # XXXX had difficulty processing initial transactions to the account, and I waited for the final corrections to come through. When I saw a XXXX late fee was assessed, I contacted XXXX to request a courtesy credit given the circumstances. A month later, I got another statement that not only did not reflect the original credit I called for in the first place, but added a second XXXX. I called customer service again and was told they couldn't make any changes to a closed account.
2 ). I complained formally to the XXXX XXXX XXXX, only to learn that Comenity Bank is not registered with the XXXX XXXX XXXX
3 ). I received an apology letter from bank president about a completely unrelated issue that XXXX mishandled.
4 ). I wrote a letter to the bank president, which went unanswered.
5 ). I called customer service AGAIN. I spoke with XXXX, in XXXX, on XX/XX/22. She told me the account was never closed, and and agreed to credit the entire balance, to include late fees and any other fees. I asked for her last name, employee ID or some other identifying information in case I had a problem, which she said she could not provide.
6 ). The action promised by customer service in # 5 above was never taken. THE NEXT customer service representative said they had no record of it. Late fees continue to mount and I am being harassed by their collection agency.
12/28/2022
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
FL
322XX
Web
I made a payment using the XXXXXXXX XXXX XXXX on XX/XX/2022. I usually do not use this card ( prior payment to that was at least a year ago ). I was not aware that the contact information for the store credit card is different from the XXXX website where you place orders for products. This is complicated by the fact that I no longer check the old email address and also moved to another state and do not receive any paper mail from them. Thus I was not aware that I had a late payment. However, it was not until at least 2 months after the initial payment day that I receive a notification from XXXX XXXX that XXXX noted I had a late payment. From my history, I had a strong credit of XXXX mostly due to paying bills on time or earlier. It wasn't until I noticed that there was a +60-day late payment for the XXXX XXXX. Had I known about this earlier, I would have made the payment earlier or changed my contact information.
I have already paid off the balance that includes 2 late fees. I called customer service who said they can provide a late fee waiver. However, I still can not see this on my end so I am not sure if they applied it. They do not even have an option to email me proof of this.
Finally, despite using the correct password multiple times, I can not log in to the website to make payments which I have also noticed in the past. The website and many other online users state that there persistently have been issues with logging in and reaching customer service, making it very very difficult to make payments on time.
As a result of the late payment which is very rare for me, my credit score dropped from mid-700s to high 600s, which is very disappointing given one blip that I was not aware of.
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.
02/04/2023
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt is not yours
RI
02861
Web
Dear XXXX XXXX for XXXX FRAUD TEAM ; CFPB ; I'm shocked that I still keep getting harassing calls and XXXX Mail from both XXXX and XXXX XXXX. I'm not sure you dropped the ball, but I've told your entire team that i never bought furniture with XXXX or any of its affiliates, and I've filed a police report. I never never never signed any agreement nor did acquire any products or services from these companies listed. This was probably caused due to identity theft issue and again, i've filed a police report with XXXX Police Department. I've expressed this with several of your customer services and i want all my information suppressed from your database, plus now I'm concerned about the breach of my privacy and my consumer rights under the provisions of FCRA.
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 15 USC 1692 ( e ) and 15 USC 1692 ( 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.
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
01/22/2023
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
DC
20009
Web
On XX/XX/XXXX my flights were cancelled due to weather. I received a flight and rental car refund to my Lands End XXXX credit card account. On XX/XX/XXXX I requested the credit card company send me a refund for the credit of over {$700.00}. I made the request thru the automated system, but then also spoke to a representative to confirm my request had been received. I was told I should receive a refund check within 10 days.
On XXXX when I had not received my refund I check, I called again. After speaking with XXXX different people I was advised that because I have a credit freeze on my credit bureau account, my request had been cancelled ( but no one bothered to tell me ). Instead, I was told it was now necessary ( under the law ) for a supervisor to call me to confirm my request. I was further advised that my refund would be made to my checking account ( even though that is not what I was previously told, wanted or requested and I had not provided any account information ). No supervisor or anyone else contacted me after XXXX to advise me of this and I received no call. On XX/XX/XXXX, I was told my refund request would be forwarded to a XXXX who would call me within XXXX hours to confirm my request. I was told that they could not tell me when to expect the call, but if I did not answer, there would be no message. If I failed to answer, I would get a letter within XXXX weeks that would provide a toll free number to call to confirm my request. I was told the supervisor could not provide the number in a voicemail if I missed the call.
It is now XX/XX/XXXX, and, needless to say, I have received no call. I believe this refund procedure is a scam to hold my funds like an interest free loan.
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
02/05/2023
Yes
Credit card or prepaid card
General-purpose prepaid card
Unexpected or other fees
CA
95330
Web
I applied for an Ulta credit card XX/XX/XXXX, I was approved so the {$75.00} would be charged to my new credit card. I never received the card or a bill.. It wasn't until I received an alert from credit monitoring on XX/XX/XXXX, that I was able to find the customer service number and pay the balance on the account which was now {$100.00} from late fees. I informed them that I still haven't received a card or a bill it isn't fair to charge me fees. She did nothing. The next day ( XX/XX/XXXX ) I was charged a {$2.00} finance fee. Still no card or bill, but I did receive a {$30.00} late fee from XXXX for paying the balance in full 4 days late, a late fee on the {$2.00} finance fee, {$40.00} late fee on XX/XX/XXXX and a {$2.00} finance fee XX/XX/XXXX, a {$41.00} late fee on XX/XX/XXXX, {$2.00} finance charge XXXX-all for an account that they assured me was paid in full on XX/XX/XXXX, again no card, no statements and no new purchases-just a huge drop on my credit score for non/late payments which I never do. So again my credit monitoring alerted me of the negative reporting and I looked it up and on XX/XX/XXXX paid the entire amount all late fees and finance fees totaling {$120.00}! I made the representative confirm there would be no additional fees and please close my account, their business practices don't seem ethical or legal. On XX/XX/XXXX, I received a letter from Comenity Capital Bank stating my account is closed, current balance is {$0.00}, but on XX/XX/XXXX I received my first bill ever with a {$2.00} new balance due XX/XX/XXXX or a XXXX late fee will be charged ( on my account that was closed and had a XXXX balance ) and the lady confirmed today my card still has not been activated!!
05/22/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
IL
60621
Web
Hi I was unable to use my Victoria Secret credit Card on XXXX XXXX. I was unaware that it was closed. I was embarrassed as I tried to make a purchase and it declined three times. I then called company to find out and they said it was closed on XX/XX/XXXX. I explained to them that I did not receive a letter or any type of message explaining reason. Theyre answer was they sent it in the mail. I never gotten a letter because I have paperless billing also I never received anything from message center as well. I asked why and they couldnt give me an exact answer. I have been with them since XXXX. I paid on time and just paid them off in XXXX of this year. I am very disappointed that my account has been closed and I did not give Permission to close my account. I have this account for my daughters. I cant understand why this has happened. There is no recitation on me asking to close my account. I have had this account for a long time. I had issues with them before lowering my account and making my credit score drop down. I had to call and inquire about this as well. I dont appreciate it and will not tolerate this type of association with my accounts. I would like this resolved and put into place as I would like my account reopened. This is inconveniencing me as well. Also my daughter is an authorized user. What if she would have gone to make a purchase and was not aware that account was closed. It doesnt make since to pay off a store credit card in beginning of this year and have it closed two months letter without warning. I believe Victoria Secret should at least send out an email or message stating why or telling you to use your card. They send everything else through messages.
Best regards
12/02/2018
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
IL
604XX
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
082XX
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
307XX
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
497XX
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.
04/25/2023
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
DE
19810
Web
Good afternoon, My name is XXXX XXXX. I received a letter from Comenity Bank regarding my account closure due to inactivity. I received the letter on XX/XX/, the letter was dated for XX/XX/. I called the company on XX/XX/XXXX to request the account not be closed. I was told that the account was already closed on XX/XX/ and there was nothing that I could do. Once I prompted again, I was told I would have to have my credit pulled again as well as be required to make a purchase on the card for the card to be reactivated. I was told the account was not closed, but it was listed as inactive and there was nothing I could do to reactivate the account outside of another hard credit bureau pull, as well as a purchase on the account.
I requested to form a complaint, and was told I was unable to do so with the agent on the phone. In addition, I was given a number to corporate which led me to the same office I had previously spoken to. I was told to file a credit bureau dispute, and I must send a written letter, and I would hear back at a later date.
I feel this is unfair and deceptive. I was not made aware of the account closure or given time to prevent it. It is also unfair that I would be forced to have a hard inquiry on my credit file. I feel that I have been additionally harmed by being forced to make a purchase that I do not want. In addition, this will impact my credit score being that this account has been open for quite a while and will directly impact my length of credit history.
Thank you for your help and the great work you do for all of the consumers out there!
XXXX -Last four of account number - XXXX -Phone number associated with the account - XXXX - Name in account- XXXX XXXX
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
398XX
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.
10/18/2023
Yes
Credit card
Store credit card
Fees or interest
Problem with fees
OK
73013
Web
Servicemember
On XX/XX/XXXX, I made a payment to Comenity Bank - XXXX Rewards Credit Card ( " Comenity '' ) using online bill pay from my personal checking account with XXXX XXXX XXXX XXXX ( " XXXX '' ). After receiving a late notice on XX/XX/XXXX, I immediately called Comenity Bank and was told to give additional time for the payment to be processed. I followed up on XX/XX/XXXX and a Comenity representative stated the check had not been received and that any payment made would be considered late, as a new billing cycle had already begun. The representative said if I paid now, I could request that my bank issue a stop payment on the check that was lost. I immediately paid the account in full on the phone with the representative who withdrew the late fees and interest charge. I also closed the account, as it was apparent I needed to mitigate my risks with this creditor who lost my payment. On XX/XX/XXXX, I received a statement in the amount of {$31.00} for a " returned check charge. '' Comenity found the check they lost and attempted to cash it. However, since a stop-pay was issued by XXXX, Comenity was unable to cash the check and charged me on XX/XX/XXXX, which is seven ( 7 ) days after I paid the account in full and closed the account- only because they lost my payment. I contacted Comenity on XX/XX/XXXX and spoke with two representatives, including a supervisor, and Comenity said they are pursuing the charge and will not credit the account. On XX/XX/XXXX, I was not told by the Comenity representative that if they found the check, they would charge me a returned check fee. Comenity 's attempt to collect a returned check fee from me is fraudulent and I should not be charged for this whatsoever.
01/15/2023
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
91040
Web
I purchased a vacation package in XXXX of XXXX in the amount of {$1900.00} and used my Comenity XXXX XXXX to pay for the purchase. I received an email from the company on XX/XX/XXXX, reminding me to send back, among other items, a copy of my ID to activate my package. I began to become suspicious and responded to the email on XX/XX/XXXX, saying I wanted to cancel, that I would not be able to use the vacations. I realized it was a scam when the charge still went through. I had auto-pay set up and Comenity attempted to debit the payment twice, but I did not have sufficient funds. I was dealing with medical issues with family members as well as working and finally contacted Comenity, around XXXX or XXXX I believe, to tell them I had been scammed. I kept being told to call back which was difficult to do while working. When I would call in, I was subjected to hold times as long as XXXX minutes or more. When I would finally reach someone I would get vague non-answers. The last person I spoke with, near the end of XXXX, finally told me they were waiting for a copy of my cancellation letter/email to the company as proof. This had never been communicated to me previously, despite the numerous times I had spoken with Customer Service. I uploaded the cancellation email on XX/XX/XXXX to the Message Center on the Company 's website per the Representative 's instructions. I spoke with Customer Service today, XX/XX/XXXX, and was told they " are still working on it ''. This has gone on far too long and is unacceptable. Comenity also lowered my credit limit which I do not agree with whatsoever. I have also had repeated fraud with this account and wonder why Comenity is not protecting its customers.
10/08/2022
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
NY
121XX
Web
I contacted Comenity bank at XXXX on XX/XX/XXXX advising I was being charged interest when it was supposed to be a promotional period. Comenity took over from XXXX for the XXXX extra points card in XX/XX/2022 and I have had nothing but problems since they took over the account. There was supposed to be a promotional period for each box office transaction for tickets for the XXXX over {$250.00} for six months no interest ( please see attached photograph from the website ). The bank has not held true to the published statement, nor have they responded to my complaint filed on XX/XX/XXXX. I was advised on the call on XX/XX/XXXX that the interest that was charged in error would be removed and the promotional period would be in stated. Neither of these actions has taken place, in fact you will see where the XXXX XXXX and XXXX statements all show interest being charged even though I have complied with the requirements for the promotional period. I called Comenity again on XX/XX/XXXX and was advised that nothing has been done with a complaint, they have 60 to 90 days to respond to that complaint, and I just need to be patient. I advised them that it had been 60 days at that point and I still have no resolution nor have I received any correspondence from them with the exception of my statements. I would like all of the incorrectly charged interest payments to be removed from my account and all balances that should be applied to the promotional accounts applied correctly. My call reference from XX/XX/XXXX call when I spoke to XXXX is XXXX, and in that conversation I advised I would file a complaint if I did not hear anything back from them by Friday, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX.
06/01/2019
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
WA
985XX
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
XXXXX
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
494XX
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.
12/04/2023
Yes
Credit card
Store credit card
Problem when making payments
Problem during payment process
LA
707XX
Web
Older American
I placed an order with XXXX XXXX ( Comenity Bank ) around XX/XX/23 totaling {$100.00}. I was given a credit card with a {$500.00} limit. I received my first bill in late XXXX indicating that {$30.00} was due by XX/XX/23. I set up payment from my checking account and sent my first payment of {$30.00} on XX/XX/23. In late XXXX, I received my second bill showing a balance due of $ {$130.00} indicating no payment had been received. I called number listed on my bill but kept getting recordings, I requested my account be closed on this automated system. I tried calling the order number and asking for someone in billing. I talked with someone who stated the payment was probably late since it takes XXXX days to get to them. I informed him that even if it took that long it should not have been late. I was put on hold and told that the payment had been received and they had removed the {$30.00} late fee and I owed {$76.00}. I was also told that I needed to add Comenity Bank to the name on my XXXX deposit so that the payment would be credited correctly, which I did. I was shocked when I received my bill due XX/XX/23, where I was charged a late fee of {$37.00} it showed my first payment had been received on XX/XX/23. When I called I was told that there was no way to guarantee a payment to be on time unless paid through there system. I made the {$37.00} but filed a dispute on my balance. They say after reviewing their records they located my payment pm XX/XX/23 and that I owe the late fee. They claim I now owe {$50.00}. What i really owe is {$7.00} plus interest. As of XX/XX/23 they say there is nothing they can do. I am refusing to pay the Late fees because I know all payments were on time.
10/17/2022
Yes
Credit card or prepaid card
Store credit card
Problem when making payments
Problem during payment process
OR
97030
Web
I went in XXXX Lane Bryant to make a payment on XX/XX/2022 for {$45.00}. It was done via account look up on the register.
The next day I tried to make a purchase and my credit was not available. It was then discovered that my payment was applied to a charged off account from over 20 years ago.
I called Comenity bank who issue the plcc and was told I would have to file a dispute that would take 30 days. I explained all that happened and during this time, Bread Finanacial was taking over Comenity and doing updates causing upsets to Lane Bryant, Torrid, XXXX, XXXX and more.
I waited the 30 days and called back only to be told it was 60 days. I was placed on hold for hours and transferred to various departments and each department would give me conflicting information. I requested the funds be applied to my current account as the payment was intended for. I was told I would have to be issued a refund check but would have to send the receipt for the payment yet nobody would tell me where to send it to. I spent several phone calls and hours on hold and transferred over and over and then told 90 days.
It has been over 90 days so I called and spent over XXXX hours on hold only to be told the dispute was not resolved but they could send me a refund check. I was then transferred to a recovery department who told me she had no idea why my call was transferred there as the account was so old there was no reason to. That person then transferred me back to customer care who said a check would be sent and asked for the email to send confirmation and then told me it it was not eligible. She said please hold and left me on hold for 30 minutes and I finally hung up and currently on hold again.
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.
05/28/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
AZ
85249
Web
Older American
Made a payment to XXXX credit that used XXXX credit as the underwriter on XX/XX/XXXX of 2001. The payment was withdrawn from a bank XXXX XXXX XXXX payment account. XXXX had just changed underwriters of credit from Comenity Bank to XXXX at that time of my order. XXXX did not change the payment address, as defined by conditions of XXXX XXXX XXXX when the payment was made. The payment of {$2600.00} was delivered to Comenity bank because of this error. Comenity Bank placed the payment in an old account for a different person instead of returning the check to XXXX XXXX XXXX. I contacted XXXX by phone multiple times, and by writing 6 times or more, when considering faxing and by certified mail, to no avail. XXXX has chosen to sue me in in civil court for an unpaid bill. I contacted Comenity Bank by phone multiple times, and certified letters four times. Comenity Bank, when speaking by phone, at first, told me that the money was likely placed in a special account and I needed to tell XXXX XXXX XXXX that I must claim fraud to get the funds back and that they have no record of any such transaction. The cashed Bank Check shows a payment to XXXX for my account in the amount of {$2600.00} on the front, and the back of the check shows Comenity Bank processing and cashing the check by placing it into an old nonfunctional account for a different account. Calling Comenity bank, with the attorney for XXXX, which are suing me for non-payment, refused to discuss anything and reported that no such transaction took place because no record exists. I have the record of transaction and the funds were removed from the XXXX XXXX XXXX account. I want the funds returned so that XXXX XXXX can be repaid.
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.
02/01/2023
Yes
Checking or savings account
Savings account
Closing an account
Can't close your account
CA
956XX
Web
On XX/XX/23, I requested to transfer funds from my HighYieldSavingsAccount at Bread savings bank ( online ). The transfer was blocked by Bread citing security concerns. The message on their website requested me to call them. On XX/XX/23, I telephoned and clarified that the internet access was made using the XXXX, thus, it showed accesses were made from foreign countries but I was not traveling and it was just the XXXX. I was told that the issue was clarified and I could expect the transfer within 3-5 days.
On XX/XX/23, one week later I still did not see the transfer. So, I called Bread and inquired. The messages show the transfer was received and should be processed within 1-3 days.
On XX/XX/23, I still didnt see the transfer. I sent a message to Bread and inquired. Their rep replied that the transfer should be completed EOB on that day ( XX/XX/23 ).
On XX/XX/23, I called Bread and requested a closing of this account due to the inability to move funds out of the account. The rep told me she would process the closing request and send out the funds to my linked account.
On the same day, after the rep told me the closure of account and transfer of funds should take place, I saw a message requesting the verifying information on the bank account I requested the funds to be transferred to. I ca
ll Bread again and told the rep I uploaded the requested information. She reviewed the bank information and told me that the uploaded document should satisfy the request and account should be closed and the funds should be transferred. But I still see the funds still sitting at Bread a
ccount. Nothing has been done since XX/XX/23. They will not release my funds and close the account.
07/19/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
PA
17543
Web
I opened this BJs credit card as it was to give a cash promo, which they quickly used as FEES later so I called for the amount to cancel the card completely with the full amount to absolute XXXX no XXXX later of pennies as they are doing now ... .so I can cut this up never see them again. I Never saw just piles of high fees they want to attach. Don't you figure .... now it tried to add another lousy XXXX for no reason, I figures they would you go through so much to find this company and get an answer.
Im on hold RIGHT now again this whole time here as they didn't answer last time and how it's over 50 % charge to add to this lousy XXXX to get interest, of XXXX dollars and more interest on that interest.
I saw this coming and why I cancelled the card. I am ALREADY in a once and done finish with her giving me the total never using the card again and paid.
SO all this extra is to cause problems 45 days later ... no fees could have happened at all after we were COMPLETELy clear on them not pulling this. This is an old XXXX card scam. Not gon na happen and I'm complaining and warning everyone I know not to go near this UNKNOWn Bank as well that is behind the BJs company. NEVER ever.
Now the on hold again can't take it for more than22.39 seconds and hung up on me.
Same old same old. THey need shut down. The Bank is a scam of fees with NO employees and NO phone to get someone, They try to keep adding {$41.00} late fees and it says it still on the back page. Never let anyone get this card. PS. THEY DO NOT WANT YOU CALLING. THEY WANT YOU DIGGING ON THE INET FOR A NUMBER AND THE PAPER BILL WANTS YOU TO SNAIL MAIL ANY ISSUES> OH<<< SO IT '' S LATE AGAIN? FOR ANOTHER $ XXXX XXXX SCAM.
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.
05/15/2023
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
91350
Web
My issue is with Comenity Capital Bank Visa Card. Comenity took over XXXX XXXX credit card services from XXXX XXXX XXXX in XXXX of 2022. There have been several issues that I will try to summarize below : 1. Failure to timely and accurately deliver the new Visa cards.
2. System issues where they could not auto withdraw from my checking account.
3. The biggest issue is they denied approval of some of my charges because of previous charge amounts and/or the size of the purchase. EVEN THOUGH I HAVE ALWAYS BEEN BELOW MY CREDIT LIMIT MAXIMUM. This almost resulted in me losing my reservation on a cruise and our deposit for the cruise. I have never been advised or communicated of any security protocols on the card on when they will allow charges or deny charges even with my authorization. And there customer service areas and supervisors have no way of overriding their system to allow a charge that I want and approve to be processed. I have no way of knowing when they will accept a charge or deny a charge even though I am within my credit limits. They should not be able to pick and choose which charges they accept or deny if I am within my credit limits. I understand that for security reasons there might be certain protocols but they need to communicate what they are ( and there supervisors were not able to do that for me ), have a mechanism of reaching out to me to see if I approve them, and have the ability to override the system so that the charge is just denied even though I am within my contractual agreement with them. I also saw that there might be a pending class action suit against Comenity for this type of performance, as well as these issues filed with the XXXX XXXX XXXX.
06/23/2022
Yes
Credit card or prepaid card
Store credit card
Closing your account
Can't close your account
MI
488XX
Web
On several occasions I have tried to to pay off my XXXX XXXX store credit card with Comenity Capital Bank.
I paid it off sometime in XX/XX/2021 and closed the card. However, through XXXX to the present, Comenity has been tacking on service charges ranging from {$9.00} to {$2.00}.
I accrued a late fee in XXXX because I believed I paid the card off. I agreed reluctantly to pay the remaining {$46.00} ( all service charges and late fee ). I was promised by the customer service representative that I would no longer have any fees added to this card and it was a XXXX balance and stay as such.
I requested a letter stating I would have this XXXX balance from now on, which was mailed to me and I have in my possession.
Today, XX/XX/XXXX I have received a bill from Comenity stating I owe them {$2.00} due to a service charge.
I called their customer service number and explained I was promised I would no longer have fees on this account. The customer service representative took my information and then five minutes or so later told me that he could not help me today because Comenity is doing a system update. I was told that I would have to call back on the XXXX when their systems were updated.
I state this was unacceptable and that I wanted to speak to a manager. I was told no that due to the system update speaking to a manger would not work.
At this point I stated that I would be reporting this to the Credit Financial Protection Bureau and I ended the call.
I refuse to pay this {$2.00} service charge and any other charges or late fees that may accrue as I was promised over the phone and via letter I would remain with a XXXX balance and considered any card payment completed.
03/28/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Charged too much interest
OH
45238
Web
In XX/XX/XXXX I opened a credit card with XXXX via Comenity Capital Bank. My interest rate was 25.74 % and I had a credit limit of almost {$700.00}. I paid my bill on time every month and had no problems until XX/XX/XXXX when I missed my due date by a few days and was charged a late fee. I made a payment, called to have the late fee reversed ( it was ), and went on paying my bill on time from that moment forward. Around this time period Comenity Capital sent out notices about how to save on interest by paying the full amount due within 25 days of the billing statement and this information was also reflected on the XX/XX/XXXX billing statement. WHAT WAS NOT mentioned was that I would have to pay TWO SEPARATE APR 's of 25.74 % - one applied to my balance for all charges prior to XX/XX/XXXX, and the other applied to the balance of all my charges after XX/XX/XXXX. Given that this was never mentioned in any correspondence I received from Comenity Capital, I did not notice until XXXX of this year that I had been paying two APR 's for the past 12 months. I have contacted Comenity Capital on three occasions ( twice via email and once via telephone call ) to resolve this matter/receive more information about it and twice I was told to consult my billing statement for information - which doesn't explain anything which is why I'm contacted Comenity to begin with, and the third time when I finally called I realized that once again I was going to receive a scripted response so I asked to speak with a Stateside customer service representative ... .I was transferred then hung up on. I want to know why I was being assessed two APR 's and why is Comenity so reticent to clarify this situation?
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.
08/01/2023
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
33064
Web
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
XXXX {$150.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX/ XXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX/ XXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT COMENITYBANK/ XXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
04/02/2023
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
480XX
Web
I was enticed to sign up for the XXXX XXXX because their website advertises that if approved, you can use the card same day either online or in store and get a 25 % discount on your purchase. 25 % off your first card purchase at XXXX today is at the top of list of benefits. So I applied and was approved instantly and given a {$4000.00} credit limit. A temporary digital card was added to my online wallet, and the website automatically set it as my default payment type. However, their system will not allow me to complete my purchase. It throws an error code that something is wrong with the card. After many multiple calls, online chat and even a store visit, a supervisor at the bank provider for XXXX credit card told me that the temporary card can not be used on the brand of product I am trying to buy. They told me to wait for the physical card. I went back and read the full disclaimer on the website ( https : //www.sephora.com/creditcard ) and there is nothing stating that the instant credit/temporary card would not be able to be used on certain brands, or otherwise.
I feel that I have been misled by XXXX and baited to apply for their credit card under misleading pretenses. I could have purchased the product I want from multiple other stores, but I purposely close XXXX because of this credit card claim. Now I have to wait for the physical card to come in the mailthis was not stated on their website and had I known, I would have not applied for the card. I would have purchased the product elsewhere.
I feel XXXX should be held accountable for misleading marketing about the ability to use the card immediately. It is not true in some scenarios, and they are baiting consumers.
04/16/2022
Yes
Debt collection
Credit card debt
False statements or representation
Attempted to collect wrong amount
FL
33133
Web
XXXX XXXX XXXX XXXX, located at : XXXX XXXX XXXX WHICH WILL DO BUSINESS IN CALIFORNIA AS XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX ACCOUNT # XXXX, BALANCE {$2400.00} This company purchased debt that was fraudulent from Zales Credit card and are threatening me with a lawsuit. The name they have on file for the debt, doesn't match with the name I've been using for the past 8 years. I opened multiple disputes with the company. Original FTC dispute submitted in XXXX : ID XXXX ; Police report # XXXX. XXXX data breach settlement : Claim # XXXX. Multiple letters mailed to the XXXX XXXX XXXX XXXX requesting proof of the debt and purchase : DISPUTE LETTER SUBMITTED ON XX/XX/XXXX, to all credit reporting agencies and 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 On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX, they were extremely rude and assured me that they never received any disputes. They called me a lier and threatened to take me to the court. I explained to the representative XXXX XXXX, not sure if he provided me with a real name, that I am willing to start a lawsuit myself at this point and requested Registered agent 's info where I can send a summon with a sheriff. The " XXXX '' refused to provide me with the info they are required to provide by law. I searched public records with the Secretary State of California and found registered agent 's info myself. It's been 7 years since I've been trying to remove this fraudulent account from my credit reports. Please assist ASAP.
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?
09/24/2023
Yes
Credit 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
94127
Web
I returned a defective laptop and was not given a refund, despite having obtained an XXXX from the merchant. I started a dispute with the store credit card issuer but the card issuer first claimed the return had not been received ( flying in the face of the merchant 's written admissions of receipt and XXXX 's delivery transcripts ), and then claimed I had already been refunded for my return ( on a date preceding my actual order date ). Card issuer is giving me the runaround and ignoring the facts of my case while adding insult to injury. Please find enclosed my full correspondence with the merchant and the card issuer.
Company : Bread Financial/Comenity Capital Bank XXXX XXXX of XXXX & XXXX XXXX Credit card Date of First Contact : XX/XX/2023 Synopsis of First Contact : Provided detailed evidence of returned defective merchandise, along with merchant 's return receipt. Comenity responded on XX/XX/2023 alleging merchandise was yet to be received - ignoring all FedEx tracking results enclosed, together with merchant 's own admission of return receipt.
Date of Second ContacXXXX : XXXX Synopsis of Second Contact : Provided additional evidence including but not limited to merchant 's stated intent to liquidate returned merchandise without refunding consumer. Comenity responded on XX/XX/2023 referring to a past credit predating the actual purchase of the merchandise subject to the dispute as having somehow satisfied this refund request.
Merchant : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Transaction Date : XX/XX/2023 Transaction Amount : {$6500.00} Disputed Amount : {$4300.00} ( balance remaining after partial credit of - {$2100.00} voluntarily issued by merchant on XX/XX/2023 )
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
XXXXX
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}.
05/28/2023
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
78665
Web
Servicemember
COMENITYBANK/KAY XXXX Reports late payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with XXXX symptoms while battling other illnesses related to my XXXX service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the XXXX of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and XXXX. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a manager that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is XXXX reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.
10/01/2021
Yes
Credit card or prepaid card
Store credit card
Getting a credit card
Application denied
FL
341XX
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
XXXXX
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
08/13/2022
Yes
Checking or savings account
Savings account
Managing an account
Deposits and withdrawals
NJ
07047
Web
Please note that this is not a duplicate complaint. This is regarding a different issue Bread Savings bank repeatedly keeps putting my bank account in " restricted status '' without informing me. They also keep making snide, rude and borderline XXXX comments when asked about this.
When I first opened this account in middle of last year, as soon as I transferred my savings here they put my account on a hold status and started demanding all sorts of documents. Even after giving them ample proof of my identity, it took weeks to get the access restored as they couldn't get the simple fact non Citizen US residents can also legally open bank accounts and that not every one needs a drivers license. They have deleted all those chats form the secure message but I specifically remember this woman who called me and told me that it is suspicious that I have so much in savings.
Another comment they made recently to me by XXXX, XXXX of their XXXX reps, was that my account looked suspicious because I had XXXX linked accounts even though I told them that their website allows that and I am willing to provide proof of ownership for each one of them. Long story short, I logged into my account today and they have again put my account into restricted status without informing me in any way. I am attaching a proof with a timestamp. I wanted to do an ACH transfer from another account but I am worried that Bread Savings might block it or reject it, so effectively they have blocked me from accessing my savings. The worst part is that they don't even bother to inform the customers and I have been a customer with them for more than a year and have kept substantial savings in my bank account.
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
431XX
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
XXXXX
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
XXXXX
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.
01/05/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
WI
XXXXX
Web
In the sale & transfer of a credit card portfolio between major banks ( XXXX 's to Comenity ), I accidentally directed a sizeable payment from my XXXX deposit account to my Mastercard account number at XXXX 's. The payment has neither been refunded by XXXX 's, nor remitted to Comenity on my behalf despite my inquiries. Proof that XXXX 's processed and accepted my funds in the amount of {$1800.00} has been furnished to XXXX 's by XXXX. Despite this, and multiple phone calls to XXXX 's, this issue has not been resolved.
Following this, I reached out to Comenity to try and resolve this issue ; I sent a detailed breakdown of the payments as follows : XX/XX/2022 - {$230.00} XX/XX/2022 - {$460.00} XX/XX/2022 - {$1800.00} - these payments were to XXXX 's ( not realizing the account had been sold to Comenity XX/XX/2022 ). Also, I'd looked at the wrong amount when I made the final payment of {$1800.00}. The original charge to the account was in the amount of {$1800.00} Upon receiving statements from Comenity Bank saying I still owed {$1400.00}, I realized the account had been moved from XXXX 's. Filing disputes with both XXXX 's and Comenity, I continued making payments so as not to accrue anymore late payments. The following payments were made to Comenity as follows : XX/XX/2022 - {$29.00} XX/XX/2022 - {$370.00} XX/XX/2022 - {$1000.00} In conclusion, I have paid {$2500.00} to XXXX 's and {$1400.00} to Comenity Bank for a total of {$3900.00}, when the original charge was {$1800.00}.
XXXX 's has completed its investigation- per a letter from their Office of the President- and haven't located the missing funds. It is now in the hands of Comenity Bank.
Thank you, XXXX XXXX
02/25/2023
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Incorrect information on your report
Account status incorrect
PA
190XX
Web
This is regarding the Ulta Ultimate Redwards Credit Card, handled by Comenity XXXX XXXX. I paid my full balance off in XXXX on XX/XX/XXXX & the balance left on the account was {$150.00}. I owed {$0.00} after this payment. I noticed i received something in the mail in XXXX & it said i owed {$14.00}, which i could not understand why, yet i did pay this full payment on XX/XX/XXXX. After this payment of {$14.00} was made, it showed a {$0.00} statement balanced owed. I have screen shots of both of these payments reflecting i Paid in full. When i got more letters in the mail about a delinquent payment, I contacted Comenity. After speaking with a rep today, she could not tell me with full confidence why I even had to pay the {$14.00} balance, when I had previously paid my full balance of {$150.00} in XXXX, not using my card SINCE XXXX. She confirmed this is a {$0.00} annual fee credit card type & mentioned it seemed these payments were pulling from the original {$14.00} I paid in XXXX being " late, '' even though I am fully aware the late payments that are paid in full do not reflect on the end of the month statement. I reported this through XXXX XXXX but if the XXXX points that was unjustly removed from my credit score are not correctly added back to the account in a timely manner, I will have to get lawyers involved. Reporting this to this bureau to follow suite & I understand this is apart of the process I must follow, in the case that I must file a lawsuit. I will allow this agency to correct this mistake but if by XX/XX/XXXX this has not been corrected I will take full action against this corrupt crediting agency for falsely marking my credited payment as delinquent.
10/11/2021
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
280XX
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
719XX
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}
01/25/2023
Yes
Debt collection
Medical debt
Attempts to collect debt not owed
Debt is not yours
MA
021XX
Web
I have already made a complaint to CFPB as below, the Comenity Bnak did not resolve it till now. The dispute is pending with CFPB and also with Comenity Bank collections, but they keep on reporting my account deliquent, today i.e XX/XX/XXXX, they again reported me 60 days delinquent and my XXXX XXXX fell to XXXX, this is causing severe trauma to me.
I have received a sanction of {$3500.00} from XXXX XXXX XXXX XXXXComenity Bank referring to an account ending XXXX. I have accepted to get a hair treatment from XXXX XXXX but did not even make my first visit for the treatment. As i was getting bills from XXXX XXXX Comenity Bank , i reached out to XXXX XXXX to refund the money to comenity as i did not start the treatment. XXXX XXXX has ignored all my emails and blocked my email. When i finally informed Comenity, they said that they will initiate a refund and asked me to reach out on XXXX XXXX if do not get any update from them. The customer service was not available and always i was kept on hold. On XX/XX/XXXX I received a notification that my XXXX XXXX has decreased from XXXX to XXXX because of the overdue report by comenity. Upon reaching comenity, they informed that they have recovered the balance from XXXX XXXX, but the late fees are past due. I believe that the late fees should have been collected from XXXX as my liability only starts after i make the first purchase. The fee they have applied is not valid as i did not start any treatment. The customer service XXXX also mentioned the same but she asked me to reach out to collections to get this removed. This wrong reporting has effected my XXXX XXXX and comenity said they would take 90 days to resolve the issue
07/11/2022
Yes
Credit reporting, credit repair services, or other personal consumer reports
Credit reporting
Improper use of your report
Reporting company used your report improperly
GA
30329
Web
I have a Victoria Secret credit card through Commenity Bank. On XX/XX/XXXX, I received a notification from XXXX that my credit report was pulled from this creditor. Keep in mind, I have multiple credit cards through this bank. I called their customer service department on XXXX to speak with a representative at Commenity bank. At XXXX EST, XXXX proceeded to tell me that her supervisor said because I updated my income, that resulted in an automatic hard pull, which is showing up as a hard inquiry on my credit report. I spoke with a supervisor named XXXX at XXXX AM on that same day who told me that this was true. She told me that I asked for a credit increase on XX/XX/XXXX and this is the reason why the report was pulled on XX/XX/XXXX due to this request on XX/XX/XXXX. I proceeded to tell her that is impossible. As I previously mentioned, I have several commenity Bank credit cards and I have requested credit limit increases in the past which have only ALWAYS resulted in a soft pull. I logged into my Experian account and can see all of the credit limit increases that I have asked for under soft pull inquiries- none of the credit increases I have requested through commenity bank are displayed under the hard pull inquiries list. Several other consumers have noted the same problem that Commenity Bank is pulling customers credits without their consent but have been able to speak with a supervisor and get this hard inquiry removed. Since I was not able to, this is why Im reporting this incident. Keep in mind I also reported this same bank through CFPB ( complaint ID XXXX ) in which they responded and told me they would not be reporting any such thing to the credit bureaus.
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
01/04/2023
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
14127
Web
I had my payment set for XX/XX/XXXX. After somehow seeing the payment auto-deducted on the XXXX ( showed up on my bank account XXXX ) I was not happy but if they took the one time payment I wouldnt be pleased but no, that entire charge XXXX was 100 % fraudulant and unauthorized.
On XX/XX/XXXX I logged in to make sure they didnt charge me again, and as stated above, they had. I do not and have never had auto-pay set up with them. The payment was not even due until XX/XX/XXXX. The payment was still pending but their exact words were there is nothing we can do, dispute it with your bank. And so I did. Too bad the charge from the XXXX didnt show up on my bank account until the XXXX, so they didnt see the double payment yet and deemed the charge as fine, even though I explicitly explained it was unauthorized. When it did show up on the XXXX, I had to file another dispute. Only this time, my bank froze my bank account for 2 weeks. I have had late payment after late payment for other bills because Comenity Bank basically stole money from me and wont give it back, and expect another payment this month : The money they fraudulently took on the XXXX they refuse to return. They have now locked my account and when I try to log in all I get is we are having technical difficulties. The stress and turmoil I have had to deal with is not only completely unacceptable, its straight up illegal. I am considering taking legal action against them. Comenity bank is the lender for my XXXX credit card, and just so happens to be the lender for a few of my other credit cards. I fear retribution : I fear them deciding to charge me whatever they want whenever they want and no consequences.
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
640XX
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.
05/19/2023
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
23185
Web
I was in their XXXX, Tx store in XX/XX/2023 and the sales person pulled the product I requested from the stock in the back of the store and wrapped it up and bagged it after I purchased it to have me pick up later. After picking it up I immediately put it in my suitcase to fly home back to Virginia. The store has wrapped it in tissue so I never saw the product until I got home. After arriving home I unwrapped it to find she had pulled a duvet cover instead of a set of sheets from the back of the store. I called the store and they sent me a label to return it. I then purchased two sets of sheets over the phone from her and returned the duvet via the mail. The sheets were now purchased on a new billing statement with the Frontgate card. Front gate initially tried to give me store credit but I got that corrected and they credited my Frontgate Card instead. Then I called the Frontgate CC to tell them what happened twice and that I did not have a balance due for that statement. The statement credit was there. They have been contacting me every day via phone calls and emails, texts too telling me my account needed attention. I called them again and explained yesterday. They even had waived the late fee as there is no balance for that statement. The two sets of sheets were purchased on the next statement and that balance is due on XX/XX/XXXX that I will pay in full. I am still receiving emails from them after the XXXX call. Why would I owe them a payment on a purchase that the store made an error in and was returned?
I believe this is harassment as they are still trying to get me to pay for this product that I never received and returned the product sent in error..
08/23/2017
Yes
Debt collection
Credit card debt
Attempts to collect debt not owed
Debt was paid
GA
306XX
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.
08/20/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
FL
346XX
Web
Older American
I have spoken to my bank to verify that the time I allowed for the payment to reach the company & be posted should have been sufficient. It always was when XXXX serviced the card. But for some reason, this company can't seem to credit my account in a timely manner. Over the past approximately 2 years, I have no idea how much I've paid in late fees or how many times I've called & couldn't speak with anyone who spoke English. I have cancelled this card which I probably had for XXXX plus years. I scheduled my payments on my bill pay app through my XXXX XXXX. I am on a fixed income. I live from paycheck to paycheck. Somewhere between when my check goes to this company and the time they post it, it seems to go in a black hole. The statement always says, " Mailed payments must reach us by XXXX XXXX on _____ ''. I instruct my bank to place them in the mail on a date certain which should be well within the date certain. Many times my payment would show a credit date 15 days or more late. I spoke with employees of my XXXX XXXX about my frustration. This was the only credit card that I had that problem with. I have closed my account with this company, but prior to this I tried repeatedly to get this resolved. I was never able to speak with anyone who had the authority and the understanding of basic English to help me come to any kind of understanding or acceptable resolution. I bet that over the past 2 years, I spent at least {$500.00} in late fees when I hadn't had {$50.00}. in late fees in XXXX years. My bank has the records showing when they were to send payment & when they did send it as well as the dates the checks were cashed. I don't know how to attach them.
02/16/2023
Yes
Debt collection
Credit card debt
Took or threatened to take negative or legal action
Sued you without properly notifying you of lawsuit
TN
380XX
Web
I had a Victoria Secret credit card. XXXX affected me greatly in 2020 and there were several bills including my car payment that I couldnt pay. I even lost my vehicle. I spoke with VS and I was supposed to be added to a program and they never added me to it. They continued to add interest and late fees. I tried to settle debt several times of the amount I actually owed like {$400.00} before all fees. They refused. Then they appeared on my credit report. The debt collector sent my acct to a lawyer. Apparently they tried to sue me for {$830.00} over a {$400.00} owed amount but I was never served. I once again tried to do the right thing and settle the debt and the lawyer stated the debt collector wouldnt accept a settlement. So I told them I was disputing the charges on my credit reports bc they refused to settle. All of a sudden a few days later I received a letter from the courts stating they filed a order of nonsuit. I never knew they tried to sue me. They want {$830.00} for a {$400.00} amount owed. I have offered several times the {$400.00} I did owe and they continue to refuse my settlement. And after repeatedly telling them to stop contacting me they continued to do so and threatened me with their lawyer and told me I now would be responsible for that {$830.00} plus lawyer and court fees. I do not like being threatened or harassed. I will no longer be offering the {$400.00} I actually had left to pay. I am willing to settle one last time but not more than {$50.00}. But if they wont accept that then the offer is no longer available and I am ok waiting 7 years for it to fall of my credit reports but I do not wish to be contacted or threatened ever again.
10/16/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
MA
01013
Web
Comenity Bank had an " upgrade '' in XXXX which resulted in many issues that they didn't anticipate & much more than they could handle. For over 2 wks I wasn't able to review my transactions. For months I was missing rewards points. But above all this, I made a payment my regular way via online bank payment on XX/XX/XXXX in the amt of {$6100.00}. I have been a customer since XXXX and pay my entire balance every month. Comenity still has not credited this amt to my acct. They have charged late payments to my acct & interest.
I 1st called on XX/XX/XXXX and was told to follow up on XX/XX/XXXX. I sent email on XX/XX/XXXX & received a response on XX/XX/XXXX ( see attached ) I called again on XX/XX/XXXX & sent email as no timeline could be provided & received response XX/XX/XXXX that they can confirm dispute filed XX/XX/XXXX however resolutions may take up to 90 days ( see attached ).
I called on XX/XX/XXXX and was told my payment went to an old acct # ( prior to the upgrade old acct # s got mapped to the current acct # therefore in the past never had this problem ). I sent email on XX/XX/XXXX with info including trace # from my bank. I received a response XX/XX/XXXX that they will not report me as delinquent & may take up to 90 calendar days. ( see attached email & bank info ) There have been multiple calls by my husband & I along with multiple secure messages that I was encouraged to send.
At the end of XXXX Comenity requested an Electronic Transmittal Form from my bank.
I sent on XX/XX/XXXX ( see attached email & Electronic Transmittal Form ) I called XX/XX/XXXX and they can not provide my any further info or a timeline & suggested that I write a ltr.
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
02/20/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
UT
84790
Web
Since I received this credit card in XXXX I have not received the 5x rewards promised in the card agreement when using the card at XXXX XXXX. In XXXX when I contacted XXXX regarding missing 5x rewards ( I had received 1x ) XXXX reviewed my account and then manually posted the 5x rewards. In XXXX XXXX advised me that Comenity Bank had a technical problem and would post the rewards within the few weeks after my purchases in XXXX and XX/XX/XXXX. The 5x rewards were never posted.
When I followed up, I was told that Comenity Bank would solve this problem. When I contacted Comenity Bank I received vague comments about technical problems that were being addressed. I also received generic emails from Comenity Bank advising that they were addressing technical problems. This seems to continue for month after month without any resolution.
I made purchases at XXXX using the XXXX card due to the 5x rewards that are prominently featured throughout the local store and online. I am baffled as to why I only receive 1x rewards and have received no solution from XXXX or Comenity Bank. I followed the terms of the card agreement and I expect the same from XXXX and Comenity Bank.
The purchases that are missing the 5x rewards were made on XX/XX/XXXX ( missing XXXX points ), XX/XX/XXXX ( missing XXXX points ), and XX/XX/XXXX ( missing XXXX points ). While the dollar amounts are not large it is a benefit I was told that I would receive.
No one at Comenity Bank or XXXX has taken a leadership, customer-oriented role in helping me solve this so that my ongoing efforts for the 5x rewards were not needed. Instead, I have been essentially brushed off when I have requested help.
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
XXXXX
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
217XX
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
04/04/2023
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
MD
20774
Web
Servicemember
This number calls from varius different numbers, but yesterday they called from a caller ID identifying them as " Comenity Bank ''. I provided my information reluctantly since they said I had to verify myself to gain information.
I provided my current information, and then was informed that they were calling from Comenity Bank, and that previously charged off debt that I PAID, was returned back to Comenity Bank for XXXX and XXXX credit card, Express Credit Card with past due balances. I asked them for the date of last activity, they said XXXX, and that it was still in the reporting period. I then informed them that I paid all my past due debts and I owe no one. In addition to, I asked them to send me correspondence of the alleged debt, but was informed that they could not send me correspondence and that if I do not hear back from them in 10 days to call them back.
I feel that this is fraud for a couple of reasons : Past due obligations to Comenity Bank for the above referenced accounts were paid and settled with Comenity directly in XXXX, and Comenity has verified that I do not owe them any past due balances.
Additionally, when I asked the debt collector to send me correspondence to my current provided information that they took from me on the call during this conversation, the agent said she could not send me any paperwork.
This is not in accordance with fair debt collection practices, and I feel that whomever this company is, is either committing identity theft ( since they stole my information ) and falsely stating that they are organically Comenity bank and not a third party debt collector, and they refused to send me paperwork after I asked.
01/03/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
AZ
85718
Web
Older American
XX/XX/2022 My bank rejected my payment of {$2300.00} because they didn't used my bank account number according to my bank.
Interest charged on that payment {$44.00} + returned check charge or late fee {$25.00} Gave Comenity Credit card my bank numbers and thought it was fixed.
XX/XX/2022 Sent payment {$3600.00} to cover the XXXX + more added to the my account after the XX/XX/2022 It bounced like the first time but I was watching and called Comenity Credit card and got it fixed. They still didn't fix my bank account numbers even though this would be the second time I gave them to Comenity Credit card.
XX/XX/2022 submitted extra payment of {$98.00} and I had to call and fix it with XXXX Credit card.
XX/XX/2022 submitted extra payment of {$120.00} to clear my credit card as I was giving up and going to let the card and Comenity Credit card see if they could fix things. The payment bounced and I called and they took the payment over the phone.
I have always paid off my credit cards over the years with each bill. I never carried charges from XXXX month to the next. All of the extra payments were amounts for current purchases to clear the card. I no longer could keep getting put through the wringer and being treated like a dead beat. My personal Bank could not believe what was happening to me. I then canceled the card because I was advised that it looked like this company would never fix their error. The proof is they took over my XXXX XXXX XXXX XXXX card that I had for about 15 years with auto deduction from by bank each month and never a bounced payment.
They also didn't let me take the {$66.00} points money from the XXXX card when they took over.
10/16/2018
Yes
Debt collection
Credit card debt
Communication tactics
Frequent or repeated calls
NC
283XX
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.
07/20/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
PA
18902
Web
Older American
On XX/XX/XXXX we requested that our cash back total on our XXXX XXXX XXXX XXXX serviced by Comenity Bank be transferred to our checking account on file with the bank. When the money never appeared in our account, I contacted customer service. That dept. suggested I contact fraud which eventually sent me back to customer service. I was told the money ( {$140.00} ) had been transferred. When I asked them to identify the account used they could not provide that information. On XX/XX/XXXX I initiated a dispute. On XX/XX/XXXX I received a letter dated XXXX requesting I call a number provided to resolve my inquiry. When I called I was connected once again to customer service who advised the inquiry had been closed without an explanation as to why. After speaking to several people who offered different speculations as to what happened ( rewards were never processed and they were applied to my account- not true ) I eventually spoke with a CS rep who actually tried to be helpful. He was able to determine after speaking with multiple departments that the rewards were sent to a bank account other than the one we had on file. We do not have other accounts. This rep was able to share the last 4 digits of the account used which do not remotely match our account. The bank claims we have responsibility for this and it is our loss. I initiated another complaint and asked for an expedited resolution. The secure message response to this was that the complaint process is 3 months which means they have failed to provide my rewards for over 6 months. This process has been very time consuming and in my opinion is designed to frustrate the consumer and result in resignation.
12/30/2022
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
OH
44306
Web
On XX/XX/XXXX an account was opened by XXXX XXXX for work estimates on capping a tooth. On XX/XX/XXXX XXXX XXXX charged Comenity CapitalXXXX XXXX XXXX XXXX account fraudulently prior to any work being done or checking what was covered with my insurance. I never received information from Comenity Capital and do not know account number. I sent a letter XX/XX/XXXX explaining the account was fraudulently charged. I also included that if there was further contact they could use my home address or email. They continued to call 6/7 days a week. The response was if I disagree with insurance coverage I need to contact my provider to discuss errors.
On XXXX XXXX, XXXX I received a call from XXXX at Comenity Bank, ext XXXX, transcript-Good afternoon this message is for XXXX XXXX my name is XXXX I'm calling on XXXX I'm calling from XXXX XXXX XXXX to get the name and number of the attorney representing you for XXXX XXXX XXXX please return my call today at XXXX extension XXXX please have your attorneys information available at the time of your call if you do not have an attorney and I have many options available for your assistance that you would need to return my call today before I leave my office at XXXX central once again XXXX the number is XXXX extension XXXX thank you and I hope to hear back from you soon have a great day. I was at work and did not receive the voicemail until after XXXX XXXX.
On XX/XX/XXXX I paid the {$560.00} that was charged to the account without my permission. I dont feel I should be required to contact an attorney or pay any additional money that the company has continued to add. I would like to threatening voice mails to cease also.
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
XXXXX
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.
06/09/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NC
28012
Web
On XX/XX/2022, I made a payment for the complete balance reflected on my billing statement of {$140.00} to my XXXX XXXX Credit Card. This payment was made when I got off work after XXXX. On XX/XX/2022, I called the company to close my account. During the process of closing the account, the automated system stated that I had a balance of approximately {$32.00}. I elected to speak with an agent to explain the amount being applied to my card. The agent I spoke with informed me that it was a late fee due to me paying after XXXX. I explained to the agent that there's nowhere on the statement where it list a deadline time, only a date in which the late fee would be applied if payment not made by that date. I read the paragraph to the agent verbatim. The agent then explains to me that there's a paragraph on the 2nd page ( which is the back of the statement ) listing the cutoff times ( which is in smaller print ). I informed the agent that at no time on the day of making the payment was I inclined to look at the back of the page because I was going off the information provided on the initial front page, which list the date payment is due, the amount of the balance, the breakdown of the charges and the late fee warning that states verbatim " If we do not receive your minimum payment by XX/XX/2022 you may have to pay up to a {$41.00} late fee. ". The only time that is mentioned on the initial front page is for mail in payments. I also informed the agent that even the 2nd ( back page ) with the cutoff times, does not have a late payment fee warning in it's paragraph. I was then transferred to a supervisor who only proceeded in debating with me on this issue.
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.
07/28/2022
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
IL
60615
Web
I have attempted to contact Wayfair Credit ( Comenity Bank ) on multiple dates in the month of XXXX. The website would not allow payments, the website provided a variety of error messages. I also called their customer service number numerous times and was on hold for over two hours without an answer. Their automated service would allow for payments but would require an additional charge of {$9.00}. I signed up for emailed statements over a year ago, so statements would normally be emailed to me. However, no statement was sent to me for the due date in XXXX. The last statement I received was in XXXX for the month of XXXX. On XXXX XXXX at XXXX XXXX, I received a call from a number XXXX who stated they were Comenity Customer Service . I advised them that the statement for XXXX was never sent to me and I had been attempting to contact them for over three weeks. They related that I could pay over the phone, but I requested a copy of my missing statement, correction on my account to reflect that payments were unable to be made due to their system error and a new credit card which they still had not provided. The agent related that they had system wide issues. I was then placed on hold by the agent whom never returned to the call. I called the number back, and the automated system stated they were closed for the day. I am requesting correction to my credit report to removal any past due statements, updated credit card statements, and requiring the company to provide a new card as well. This payment has not been able to be submitted due to no fault of my own, as I was advised the company was sold to Bread Financial and their websites are having issues.
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.
11/20/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
MD
21043
Web
On XX/XX/XXXX I opened a credit card in the store XXXX and made a purchase of {$150.00}.
I received the bill for this in the mail on or around XX/XX/XXXX and it was due XX/XX/XXXX.
I immediately set them up in my billpay account and entered payment to be sent.
This was processed in XXXX XXXX on XX/XX/XXXX to be delivered XX/XX/XXXX.
Tracking on the payment shows the check was in XXXX on XX/XX/XXXX and XXXX, TX where was it's destination on XX/XX/XXXX. The due date was XXXX which was a Saturday. From the bank notes and tracking it appears the check was at the company by XX/XX/XXXX as the bank notes. XXXX processed the payment on Monday XXXX and sent me a late fee for {$30.00}.
I tried to reach out by phone and email multiple times and explain this is not appropriate as even though they did not get me a bill out with lots of time I still paid immediately in full and on time and they for some reason did not process my payment prior to the due date.
I got a scripted answer that said I am not eligible for a late fee wavier. I asked for a manager to call me but have not had that happen.
I late got a call from a collector wanting {$37.00}. I explained again they seemingly held processing my payment or did it on the next business day and the fee was not fair and I wrote in for a manager to call. She had her supervisor get on the phone and tell me he would waive the {$7.00} and I could pay {$30.00}. I did not even know where the {$7.00} was coming from and had already stated I am disputing the {$30.00} late fee as I was not late. They now are sending me a statement for {$61.00}.
I made a purchase of {$150.00}. I paid that in full and on time.
07/19/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
FL
321XX
Web
I have a BJ 's XXXX club mastercard, serviced by Comenity Capital Bank. In XXXX, Comenity Capital Bank stopped posting payments made to my account, resulting in late fees, interest charges, and overcharges for the XXXX XXXX XXXX. I am beginning to receive automated collection calls from this company. If they report to the credit bureaus and my credit score declines as a result, it could effect the interest rate on my mortgage or on other loans I may obtain in the future.
As of XX/XX/2022, seven payments totaling {$1200.00} have cleared my bank, but have not been posted by Comenity Capital Bank. These payments cleared my bank as follows : {$240.00} cleared XX/XX/2022 ; {$61.00} cleared XX/XX/2022 ; {$46.00} cleared XX/XX/2022 ; {$110.00} cleared XX/XX/2022 ; {$78.00} cleared XX/XX/2022 ; {$500.00} cleared XX/XX/2022 ; {$180.00} cleared XX/XX/2022.
I have tried repeatedly to contact Comenity Capital Bank by telephone. At various times their phone system has 1 ) played a recording saying to call back later ; 2 ) kept me on hold for about 15 minutes, after which the hold music stops and the call disconnects ; and 3 ) played a recording saying to go to their website for customer service. I have not been able to connect with a live customer support person.
I have tried to contact Comenity Capital Bank using the messaging ( secure email ) service on their website. I provided screenshots showing payments had been made. Four days ago on XX/XX/2022, I received a response stating that my request had been forwarded to the correct department. However, my payments are still not posted to my account, and today I received an automated collection call.
06/26/2020
Yes
Credit card or prepaid card
Store credit card
Other features, terms, or problems
Other problem
MO
631XX
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.
04/17/2023
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
85308
Web
My XXXX 's credit card was paid in full from XXXX to XXXX. i logged into my mobile app early XXXX to do some shopping and noticed that there were 2 charges on my credit card that i did NOT complete/authorize. There was 1 for {$400.00} something and another for {$16.00}. I reviewed the transactions and it said it was being delivered to someone i do not know in Virginia ( I believe that was the state ). These were FRAUD charges. I contacted Comenity to dispute these in XXXX, and i spoke to a representative that stated that he resolved the issue, and that the charges would be removed from my account. He instructed me to update my passwords which i did, and i also removed my credit card number from my mobile app. At this time in XXXX, i assumed everything was taken care of, however that was not the case. The representative took care of the {$400.00} charge, but with the {$16.00} charge, decide to only credit {$11.00}, leaving a {$5.00} balance on my account! Why?? Comenity has been contacting me daily and i have explained multiple times, that this is an error on their part, and that those charges were fraud. They have been harrassing me with multiple calls daily, and when i do answer and talk to a representative they argue with me that it was not fraud and that i need to pay it. They are refusing to help me.They are now charging me late fees and interest, so this balance is now at {$50.00} something dollars. Every time i talk to a representative i don't get anywhere! And there have been multiple times i ask for a supervisor and they " transfer '' me only to then disconnect the call. I need this to get resolved because it is affecting my credit.
04/10/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
PA
170XX
Web
On XX/XX/XXXX Cardmember Service issued a balance transfer check to my account at Comenity Bank in the amount of {$340.00}. The check was cashed on XX/XX/XXXX by Comenity. When I checked my Comenity Bank credit card account on XX/XX/XXXX to see if the payment was posted it had not been posted yet. I contacted Comenity and they said they never received it. So, on XX/XX/XXXX I made on online payment of {$340.00} to pay my balance so I wouldn't get any fees. The payment was made directly from my checking account. I then contacted Cardmember Services and they mailed me a letter with a copy of the front and bank of the cashed transfer check which showed Comentiy cashed the check on XX/XX/XXXX. I mailed a letter and a copy of the front and back of the check to Comenity. By XX/XX/XXXX the cash transfer check payment was still not posted to my account. I contacted Comenity in XX/XX/XXXX and they said they received the copy of the cashed check and it should take about 6 weeks to post to my account. XX/XX/XXXX the payment was still not posted, I called XXXX they said they see the information and told me the payment was pending but they didn't know why it should be posted on my account within 2 weeks. Again, XX/XX/XXXX came still not posted, called Comentiy, was told they were very sorry it should be posted on my account within 72 hours. XX/XX/XXXX came still not posted, contacted Comentiy again they didn't know why it wasn't posted they will work on it. As of XX/XX/XXXX it still has not been posted online. Comentiy tells me all my calls and the letter show on my account record, but the payment never gets posted even though they say it will be posted.
03/16/2023
Yes
Debt collection
Credit card debt
Written notification about debt
Notification didn't disclose it was an attempt to collect a debt
SC
29651
Web
Filing a Complaint on Comenity Bank for XXXX XXXX account, set up an arrangement 4 times since XXXX, and they still keep taking money out of MY BANK ACCOUNTS, My Account was put on ACH DEBIT, to debit out every month then they keep calling me since XXXX about account past DUE, and it has not been, I spoke to someone today XXXX XX/XX/XXXX, to discuss ANOTHER Payment and emails stating it is time for a payment. I am not really understanding this ; The person I spoke to today is seeing that they DID NOT DO THE FIRST ARRANGEMENTS, AND THIS ONE THEY ARE TAKING OUT PAYMENTS TWICE A MONTH. Causing my account t be in the negative all the time and overdrafts charges, and I have told the BANK but they are still letting the cedit come through ( XXXX XXXX ) another problem ... As a consumer many is getting tired of being OVER CHARGED, and these bank representatives, not putting in the right information, this world is already in a mess with people 's money and it is hard to make it. My payment were {$40.00} a month then all of sudden they claims it was not taken out and my BANK ACCOUNT shows different, then payments was set up for {$94.00} a month still, was taken out and they called again about NO PAYMENTS ... HOW??? now in XX/XX/XXXX arrangement we made for XXXX for the XXXX of every month bur they took money on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX... Thee Representatives Problems, also if your Bank or Credit Union is told NOT to let the DEBIT comes through and they still do it is THEIR FAULTS and the charges late fees causing your account to have a heavy balance, and IT NEEDS TO STOP, with COMENTY, OR WHOMEVER.
Thank You XXXX XXXX
02/26/2023
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
LA
70126
Web
When I went to check my credit, I noticed that I had 3 unfamiliar inquiries on my credit report. I quickly called the XXXX XXXX XXXX, and they confirmed that there had been 2 applications and 1 open account. Then in the mail, later, I found another application that was denied. Someone is trying to get credit cards in my name, and I believe it is my mother or her husband. The places they went to were in the area for where they live. ( around XXXX, TX ) This isn't the first time that this has happened to me either, the same thing happened in XXXX, and I filed a report as well. And then also they had a collections in my name years back. I have the application that was supposedly signed in XXXX, TX XX/XX/XXXX, but I was in XXXX XXXX, taking a flight to XXXX early that morning. This resulted in a bill of collections for {$1300.00}. This is ridiculous.
Please see below the recent frauds in my name.
XXXX XX/XX/XXXX- ComenityBank / XXXX- application made in store XX/XX/XXXX - ComenityBank / XXXX -application made in store XX/XX/XXXX - ComenityBank / XXXX - account opened XX/XX/XXXX XXXX XXXX / XXXX XXXX - Letter in the mail saying my application was denied Also, especially, during the XX/XX/XXXX frauds, I work offshore and could not have been able to go into a store. and the XX/XX/XXXX XXXX, I was just flying back on land to XXXX, LA at around XXXX and took a hotshot to my house through my company. The Comenity Bank representative was able to confirm that the stores were in XXXX, TX and XXXX, TX. I worked with XXXX and XXXX to put a freeze on my account. there has to be something done about these people trying to open credit cards in my name.
08/03/2017
Yes
Payday loan, title loan, or personal loan
Personal line of credit
Getting a line of credit
FL
338XX
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.
04/14/2022
Yes
Credit card or prepaid card
Store credit card
Fees or interest
Problem with fees
NY
106XX
Web
I am writing out of frustration and uncharacteristic anger, re : an issue I've had with Comenity Bank and my XXXX credit card.
I contacted an XXXX after receiving a paper statement ( I typically receive statement electronically ) with an overdue balance. This was disconcerting, because my balance of {$510.00} was paid in full online by my brother in XX/XX/2021. At the time, my entire household was ill with XXXX. My wife and I were ill, but we asked a family member to sign onto our computer and pay all of our bills in full.
Today, I learned that because the bill paid three days late, the account was charged late fees. I now have a balance consisting of nearly {$200.00} of late charges and interest. I incorrectly assumed that Comenity customer service would help, given the extenuating circumstances. I assumed incorrectly.
I initially spoke with a representative who offered a " deal '' of XXXX payment, if I made it in full. On principle, I asked to speak to a manager. In speaking with the manager, I was told that now the bill would be subject to an " escalation '' penalty with the total due asap. When I inquired about the initial " deal '' offered, I was told that asking for a manager would always trigger a penalty.
I contacted Comenity and was told that the only recourse would be to file a complaint on their website, which I did immediately. I've attempted to do this three times, and after locating a hard to locate " Contact Us '' page. On each occasion, the form dropped the content and/or I was locked out of the account.
I am disgusted and in need of assistance to resolve an issue that should have never been an issue. Please help.
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
790XX
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
393XX
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
370XX
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.
01/09/2023
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Problem with fees
FL
32244
Web
Comenity Bank closed my account without my permission after a rude employee did it due to me saying I would report her in XXXX spring. I have made payments until XX/XX/XXXX of XXXX when I selected to pay the balance in full on the closed account. I was under the impression that due to the account already being closed and I paid in full there was nothing else to be done. Almost 3 months later in XX/XX/XXXX I receive a call saying I owe. I thought it was spam until I asked how much they stated I owed {$32.00} I asked for what and they said the account was still open and I owed {$2.00} from interest that has now turned to {$32.00} after a 30 late fee on a supposed closed account thats been reporting as closed prior to this. The rep offered {$10.00} off and I asked for manager. I was never notified about this due to them closing my account. The manager said she couldnt do anything and she repeated that 3 times. Then I let her know that the rep offered {$10.00} off so I know that she is able if she is his superior. She refused and said she cant because my account is closed. I asked for the debt to be sent to collections if thats the case and I dont want any further late fees assessed. 3weeks later they have added another late fee of {$30.00} total of {$62.00}. This is a 3000 % mark up on {$2.00}. How is interest even accrued on a closed account makes not sense. The way my account was closed lost me out on numerous points that could have been redeemed as cash. I never opened this account with comenity bank this account was originally thru XXXX then my XXXX card switched banks to this company that doesnt even have an app. Terrible experience.
09/17/2018
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Fees or interest
Charged too much interest
VA
229XX
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 ''
03/24/2022
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
92101
Web
On XX/XX/2021 statement account was paid in full. Overpayment actually. However there was small interest accrued and brought balance to {$1.00} - I did not receive any statements or email notifications of the balance. I signed up for electronic statements. I checked my junk email and nothing. So sense I didnt receive any mail or email notifications all was good. On XX/XX/2021 apparently there is a minimum finance charge and a late fee assessed to the {$1.00} which brought it to XXXX. Once again no email or mail notifications. XX/XX/2021 again another minimum finance charge and late fee and no notice or email notifications. I was closing escrow on a house in XX/XX/2021 and this showed up on my credit report. Credit dropped almost 80 points and changed the rate on my home loan and I had to pay discount points. All for {$1.00} and I wasnt notified. I did another over payment and paid all interests, late fees, and minimum finance charges. After I reached out to them I was shocked to find out they do not have a reporting threshold of XXXX or XXXX like most financial institutions. So if your late {$1.00} it will negatively effect your credit for years. Shocked! I asked for it to be reviewed by management for the small dollar amount of {$1.00}. The rep said it cant be escalated and I would need to contact XXXX or the CFPB. They would not review or help me with the XXXX Its my hope and request for the circumstances involved, the negative late reporting on my credit be removed from my credit. Just seems unreasonable and a financial hardship on the consumer for years.
Im humbly requesting this be removed.
Any questions please ask. Thank you
10/04/2020
Yes
Credit card or prepaid card
Store credit card
Closing your account
Company closed your account
AZ
850XX
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.
11/04/2023
Yes
Credit 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
320XX
Web
Older American
XXXX Small charges made to credit card by unknown firm then XXXX $ XXXX charges from same source. I filed a complaint and and asked if there was another name behind the initial the XXXX charges. The bank could not answer that question so they asked me to call the phone # which no one answered so I searched the XXXX # and found it number used by scammers and originated in XXXX. Then another XXXX charges appeared on the credit card and I restated I didn't know any firm by the name charging my credit card. I then received email " Cancellation Notification '' from another source by a different name that stated my subscription status has been recently updated and any ongoing or all future charge have been cancelled as per your request. '' Must have received sample back and notice product wasn't wanted.
Bank sending payment requests while I sent all the info and no response to certified letter with document and emails telling them they had data /documents to review. I notice on my phone XXXX XXXX XXXX has been calling XXXX times a day but not leaving a message on the answering machine also have received several statement past due notices. In XXXX email I notified the bank I owe nothing but they owe me about {$450.00} to cancel all the charges plus the {$200.00} payment I made while waiting on their response to my correspondence. I consider the bank to be partaking in credit card fraud by not properly investigating the fraud claim and intend to file a XXXX XXXX with the FBI with a criminal charge complaint of actively participating in a fraud scam. Not enough room to detail the XXXX page letter sent the bank with pages of documentation.
09/06/2023
Yes
Credit reporting or other personal consumer reports
Credit reporting
Improper use of your report
Credit inquiries on your report that you don't recognize
NV
89131
Web
Servicemember
I checked my credit report, bcs I received an email about a new inquiry, when I checked this morning, I noticed several hard inquiries and other soft ones started that I did not authorize, so I called the first two banks, and they informed me that a credit card was in their institution, which means one for each bank ( XXXX and XXXX XXXX ), they informed me that they have cancelled the credit cards, and an investigation was going to be performed and that they will email me the findings, aka credit card fraud. XXXX ( XXXX ) provided me with the email address of the person who opened the CC in their bank, which is XXXX, and that is all she can provide me. The other bank, XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ), indicated that they can not provide me with any information of the person who opened the credit card using my ssn, etc. XXXX XXXX informed that the credit card this person opened already has a balance over $ XXXX, the other bank did not provide this info. I still have a list of other places, I need to call. I will be calling the other companies tomorrow, which are : ( 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Date of credit report inquiry : XX/XX/XXXX ( 2 ) XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX Date of credit report inquiry : XX/XX/XXXX ( 3 ) XXXX, XXXX XXXX XXXX XXXX, OH XXXX Date of credit card inquiry : XX/XX/XXXX ( 4 ) XXXXXXXX XXXX XXXX and XXXX XXXX Credit Card Services cancelled the credit cards, but I will continue monitoring my information regarding credit inquiries in the three cree bureaus.
I already put a freeze in XXXX and complete the freeze for XXXX and XXXX tomorrow.
05/17/2022
Yes
Credit card or prepaid card
General-purpose credit card or charge card
Other features, terms, or problems
Problem with rewards from credit card
MN
XXXXX
Web
My account recently changed from XXXX to this company. Recently I noticed that I had a negative balance for my rewards. I have not had any returns or credit to my account so I don't know how a negative balance can even happen. On XX/XX/2022 I contacted the company via their secure message center to find out what was going on. On XX/XX/2022 they responded and said I needed to call customer service. On XX/XX/2022 I responded and said for my protection I want all correspondence to be done in writing. On XX/XX/2022 they responded and requested I call again. I responded and told them I would find ways to file complaints and we can go that way because I want the protection of the information in writing. I don't want someone to lie to me on the phone. This sort of behavior seems really unethical by the company. What are they trying to hide that they don't want to put the answer in writing? Are they doing something wrong? Illegal? Do then not want to admit that they stole my rewards and gave me a negative balance in writing because they know that I am entitled to those? Are they just like most large companies where they try to take advantage of low customer. I think we need some answers her and for the company to address this unethical behavior.
It seems the company doesn't want to use the secure message center they have on their site. For that reason, I request that the company contact me in writing either by my email or by the regular mail. I've attempted to use their system and they have shown the inability to answer the issue that way, so to ensure I get a response, I have giving two reasonable options for the company in contacting me.
10/21/2023
Yes
Credit card
General-purpose credit card or charge card
Problem when making payments
Problem during payment process
PA
17315
Web
Servicemember
I made a payment of {$1000.00} on XX/XX/, to my XXXX Comentity Bank Credit Card. Comentiity initially stated they did not receive the payment ; therefore, I provided an electronic transmittal form from my Bank, XX/XX/XXXX, showing the payment was made on XX/XX/. Comentity Bank sent an email to customers on XX/XX/ stating their systems was down between XX/XX/XXXX to XX/XX/ and all payments that fell between these dates would not be liable for late fees. After approximately 12 communication attempts ( One attempt involved a 2 page letter along with 10 pages of documentation sent via hardcopy & registered mail to Comentity Bank ) between myself and my bank, the dispute has ended with the Comentity Bank stating they returned the payment to XX/XX/XXXX on XX/XX/XX/XX/2022 XXXXXX/XX/XXXX did not receive the payment and contacted Comenity to investigate the matter. XXXXXX/XX/XXXXs final determination stated Comentity bank reimbursed me for the amount. On XXXXXX/XX/2023 I contacted Comentity Bank and spoke to XXXX, the supervisor. I asked for the electronic transmittal documentation showing the payment was reimbursed to me and XXXX stated he would open a complaint regarding the matter and communicate with me via email or phone call. As of XXXX, no communication has been received and I still have not received a {$1000.00} reimbursement. I contacted the Comenity Customer Service team on XX/XX/and was directed to their website to submit an email regarding the matter. I provided yet, another email regarding the matter. It has been 478 days since I made this payment, and I have not received any documentation with a resolution from Comenity Bank.
01/27/2023
Yes
Debt collection
Credit card debt
Communication tactics
You told them to stop contacting you, but they keep trying
FL
325XX
Web
I want to pay my bills, but just can't pay now. I'm planning on making sure they get paid, have notified all my creditors involved and asked that they note that XXXX XXXX XXXX is helping me with these negotiations. I have sent emails to customer service documenting this as well as stated it to representatives when called. Also, I sent written and email notification that the creditors are not authorized to contact me at my place of business since I am not allowed to accept personal calls, and this could jeopardize my job. Comenity Capital Bank is the lender for several of my credit cards- XXXX and XXXX. I have a cell phone which this creditors calls numerous times a day.
On XX/XX/2023, at XXXX AM, I notified this Comenity of the payment situation and that it was not authorized to contact me at my place of business. On XX/XX/2023, at approximately XXXXXXXX XXXX Comenity Capital Bank 's representative - XXXX - called me at work. I told XXXX that they were not authorized to contact me at work and sent another email documenting the call and again notifying them that they were not to contact me at work and that another violation of this request would result in a complaint. This notification was given verbally and in the email. This morning, XX/XX/2023, at approximately XXXX, a gentleman called my work number, asked for me, and said he was with Comenity Capital Bank. I told him, again, he was not authorized to call my place of business, the company had been notified on numerous occasions, and I was filing a complaint. I documented this with another email as well.
This is a flagrant violation of the Fair Debt Collection Practices Act.
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.