Date Received: 2023-07-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: 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.
Company Response:
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX, the Ultamate rewards/Comenity Bank Account ending in # XXXX Ulta has violated my rights. 15 USC 1681 Section 602 States I have right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.
Company Response:
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account was closed by the store. I was told they no longer have a store credit card. This balance was paid and closed. It's listed as charge off.
Company Response:
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Reports show charged off and never received a 1099 on this charge off. report has errors like last activity all have different dates. last reported dates are not the same
Company Response:
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: 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.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On or around XX/XX/2023. I called COMENITYCAPITAL/XXXX because I noticed while checking my credit report that they had reported that I was behind 90 days on my payments on the credit card. I reached out to them and asked them I didn't even know there were a charge on the account. They told me what the amount was plus late fees. The company agreed to take away the late fees if I agree to make full payment when I called. I asked them If I make a full payment, I would like the company to remove the late payments off my credit report and report it as " paid on time ''. The individual agree to fix the " past due '' status to " paid on time '' once I make a full payment. I decided to make a full payment, I waited over 30 days and my credit report is still reporting the " past due '' status for the month of XXXX, XXXX, and XXXX which were suppose to be " paid on time ''. At this time the company has violated 15 USC sec 1692e.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Someone opened a credit card in my name for Ulta Beauty through Comenity Bank in XXXX XXXX Co on XX/XX/2023. I am in Florida, and do not purchase or visit that store ever.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment with online billpay through my bank in the amount of {$13000.00} on XX/XX/2023. The check was sent I have a check number and confirmation from my bank and the credit card company still has not posted the check.
Company Response:
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Comenity Bank is not issuing the correct points associated with the advertised rewards points. They have denied any wrong doing to the CFPB and previously denied any wrongdoing despite me submitting an email from one of their agents that acknowledges that they are aware of the system issue and that rewards points are not being issued correctly. No communications about this were ever sent to the consumers and they have been trying to hide it and not give consumers the proper compensation for them breaking the credit card agreement by not giving the advertised points for purchases made. 5x points for Sony, 3x for internet, 2x for food 1x for gas etc. I have attached an email that states that they are aware that the correct points are not being issued. I submitted this previously and it was ignored and the case close $ without resolution. I sent this to the CFPB so you could act on the illegal actions, failure to act when notified and failure to communicate to consumers. Plain and simple I did not get the points I am entitled to and this is a broken agreement on their end. Why was the previous complaint closed without anything being done when the email I submitted stated and supported exactly what I complained about.
Company Response:
State: CA
Zip: 95678
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have lost my job due to a plant closure. Comenity Bank called me XXXX times last week. They called this morning Sunday also this is harassment. Theyre texting me now I also received a text this morning. My phone and laptop have been hacked and I dont know who I am speaking to so I do not answer the calls. They never leave a message and just figured out that it was them calling me. I have all the calls logged on my phone. Im not trying to screw them out of anything I need to find a new job which isnt the easiest thing to do when youre XXXX
Company Response:
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A