Date Received: 2023-08-06
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: 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.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The credit card promised the following : ( Apply for credit card on XX/XX/2023 ) Earn {$100.00} Cash Back after spending {$500.00} with the XXXX XXXX XXXX XXXX Credit Card, outside of the XXXX, within the first 90 days of account opening. Paid as a statement credit. Within 90 days i fulfilled the terms to receive the credit. ( by XX/XX/2023 ) I have NOT received the statement credit AND I have called numerous times to request the statement credit with no success ( XXXX, XXXX, XXXX, XXXX ). I have also filed a dispute with the credit card but have not reached resolution. I have also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was directed to this website.
Company Response:
State: CA
Zip: 906XX
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I Filed a complaint with a supervisor about violations of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. a representative of the company called my father who is an account holder with the company and disclosed information about the account without my consent. I was told the supervisor would investigate the complaint and that I would receive correspondence but I did not. Unauthorized Sharing of Information : Violations may occur if a financial institution shares a consumer 's nonpublic personal information with nonaffiliated third parties without obtaining the necessary consumer consent or without complying with the opt-out requirements.
Company Response:
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was informed via email that this entire issue is being rectified by the three credit Bureaus ; XXXX, XXXX and XXXX, and the investigations are almost complete. I was told that my credit rose to XXXX, Exceptional. ( I took a photo of that. ) But now when I view it, I see that it only rose to XXXX, and is still " FAIR ''. ( This " error '' that was COMENITY BANK 'S FAULT lowered my credit status XXXX points! ) On the morning of XX/XX/2023, I called Comenity Bank and spoke with XXXX and I explained that I didn't owe them {$21.00} since I was credited that amount. ( Document attached ) That {$21.00} increased in size to {$84.00} due to interest and late fees. I told XXXX that I didn't owe them any money. I ( again ) told him everything. XXXX told me that they were sending a check for {$84.00} and I should receive it in 5-7 days. He also said that I owe them nothing, everything has been cleared BUT, on my credit report, I am seeing that I owe {$4.00} to Comenity Bank. (? ) I check my credit status through one of the Bureaus and it shows that I owe {$35.00}. ( I feel that XXXX lied to me. ) How can I owe any money? This is supposed to be rectified? I can not see the results of the investigations with XXXX, XXXX or XXXX because, for some reason, I can not sign in. My email is not recognized ( I only have one ) and then when I " create an account '' it is noted that, " This email already exists ''. I have dealt with so much stress with this entire issue. It needs to be fixed and stay fixed. NO MORE FALSE PROMISES. How can we do this? Please help me!
Company Response:
State: ID
Zip: 83501
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These accounts and inquiries are not mine they was made without my permission, or consent, inquiries. ComenityBankXXXX XXXXXXXX : XX/XX/. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 XXXX which states I have a right to privacy, 15 USC 1681 604 XXXX Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Company Response:
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: 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.
Company Response:
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company is constantly reporting inaccuracies on my credit report monthly. I have contacted them about this account and their inaccuracies. The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies . By this company reporting immaculate information on my account, this has prevented me from moving forward to purchase a home. This account needs to be removed from my credit report. My credit laws are being violated and I want this account removed immediately.
Company Response:
State: IN
Zip: 46268
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I received multiple collection calls in reference to a Victoria Secret credit card account that was discharged in a bankruptcy more than a year ago. The first call I accepted and actually had interaction with someone was on XX/XX/2022 at XXXX XXXX and it lasted for 6 minutes. The second call was on XX/XX/2022 at XXXX XXXX. On this second call is when I called back and asked to speak to a supervisor to find out how they obtained the information and was hung up on. I requested to put in a complaint and my number was blocked twice. The first employee I spoke to was XXXX. They stated that the companies name was XXXX XXXX XXXX on behalf of Commenity and Victoria secret.
Company Response:
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I used the Bread Financial Comenity Bank Victoria Secret Store Card for one purchase of {$21.00} ( rarely use the card ), never received a statement after the charge, received a statement about 2 months after showing late. Immediately paid the bill and asked for them to remove the late fee. I told them that I did not receive the statement indicating what I owed and when, customer service reps were unprofessional and rude. They would not remove the fee. The balance on the card was paid in full, I closed this account. They are charging me late fees on a late fee balance and interest on a late fee balance. These charges are unresonabale and I want them removed. I have closed this card and all of my cards with this bank because the reps are rude and I never want to deal with this bank again. I want this to be resolved, this is not fair and they are taking advantage of me.
Company Response:
State: CA
Zip: 90303
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: 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.
Company Response:
State: NC
Zip: 27330
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A