Date Received: 2023-07-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have an account open with a creditor for a store card. I have previously asked to refrain from calling me on XXXX as I go to church and they have repeatedly called me on Sunday with a total of 3 times in about 4 hours. Since Friday they have called 7 times and have not yielded the phone calls. According to the information on the CFPB site they are in current violation of harassment. I have asked them to stop calling that I have payment arrangements set up but they continue to call.
Company Response:
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I recently decided that I wanted to purchase a home, so I decided to pull up my credit report and was shocked by some of the things that were reported. I tried to resolve the issue by reaching out to the company stating I was not aware of the debt listed and wanted it to be verified. The company failed to verify the debt, but continued to have it remain on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report. I would like for this to be resolved immediately.
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This has been going on everyday for the past few months. Comenity Bank has been calling me everyday and now multiple calls in one day. I dont owe comentity bank anything.
Company Response:
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/22, my husband contacted Comenity Bank via phone to pay off my account using his XXXX XXXX XXXX XXXX in the amount of {$5200.00}, paying off the balance of my accout with a Customer Service Rep. On XX/XX/22 the funds were removed from our checking account by Comenity. Comenity Bank. Comenity Bank claims to not receive the funds. Ive made multiple phone calls and correspondence trying to resolve the issue. We provided Comenity Bank with copies of our bank statement showing the reference numbers of the transaction and a letter with the same. They denied receiving still, on another occasion I sent another letter with a copy of the draft note provided by our bank and still they denied. Asked us to go to the bank to provide the transaction information for electronic transfer. Our bank said the information we provided is what they need. Our Bank ( XXXX XXXX ) is advising they can no longer help us, due to the time it took Comenity to research. Our bank allows 60 days, and it is way beyond that period. I am hoping you can help or advise to resolve. My account at Comenity balance should be XXXX but now with late fees they are charging me over {$6000.00}. On top of this my credit score went from XXXX to XXXX XXXX because of this.
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: 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}.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have been trying to make my payments online for months. I have never received a credit card or a statement. I have called and attempted to get it resolved that way also. I have been assessed multiple fees and have had my credit impacted.
Company Response:
State: AZ
Zip: 860XX
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: credit card opened in my name with comenity capital bank / XXXX on XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94903
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: 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.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: In XXXX of 2021, I obtained a loan in the amount of {$3500.00} from XXXX XXXX thru my dentists in XXXX XXXX for dental work. They financed the loan thru Comenity Bank. At the time I signed the agreement, I was under anesthesia. Still, it was my understanding that it was a no interest loan and there would be no interest as long as I made my monthly payments which I have done. It was my understanding I had two years to pay off the loan with no interest and the finance company would send me payments due in an amount that would allow me to pay off the loan without interest. Earlier this year, I noticed my payments no longer decreased and were instead increasing. I checked my statement and I had an approximate lump sum of {$1800.00} in interest and was no being charged over {$100.00} per month for interest. I contacted XXXX via email and they told me I had to complain in writing. I wrote them a letter and they told me my letter was beyond the date to refute the charges and they would not reverse the interest charges. I explained that they should have charged me an amount that would allow me to pay the balance within the promotional time frame. They agreed but refuse to reverse the interest charges. I believe this to be unfair and deceptive business practices. They should have given me the correct amount so that I could have paid off the loan without interest. Instead, they gave me a lesser amount so that they could charge me a lump sum deferred amount which I never agreed to pay.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I regret to inform you of an issue regarding my former account with COMENITY CAPITAL. In XXXX, I experienced significant financial hardship, which unfortunately led to my defaulting on the account. I genuinely apologize for any complications this might have caused. By XXXX, however, I had managed to stabilize my financial situation and was able to fully pay off the account through a collection agency. It appears there is still some confusion surrounding the status of this account, and it continues to impact my credit negatively. I respectfully request your assistance in resolving this matter and kindly ask you to consider this information in the dispute process.
Company Response:
State: FL
Zip: 33418
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A