Date Received: 2023-07-26
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: Over tree months ago I made a purchase at the Victoria Secret store in XXXX of {$160.00} I paid {$100.00} with the gift card, and the rest with the Victoria Secret Credit card ( XXXX XXXX XXXX XXXX ) When the balance arrived it says I that owed {$160.00}. I called the bank and they direct me to call Victoria Secret. Which I did. After reviewing the transaction and the gift card number they figure that their teller never applied the gift card. They told me not to worry and that they were going to apply that gift card toward the credit card balance. Because the due day was close, I made the payment of {$60.00}. But, I month went by and I am seeing the new statement balance with a debt of {$100.00} ( 100 + interests ) I called 8 times to Victoria Secret and the bank. They said they don't know what happened, and offer no further solution other than having to pay that credit card balance. The Case # XXXX date XX/XX/XXXX. Feeling helpless I made the {$100.00} payment. But guess what? I received a new bank balance of {$100.00}!!!!! I checked, I there is no transaction made on the statement. This is PURE ROBERY. Please help me. Thank you.
Company Response:
State: FL
Zip: 33173
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Since XX/XX/2023 I have been trying to redeem my rewards points and log in to my account online to make payments, view statements and redeem rewards points that I earned per the service agreement with the XXXX XXXX XXXX XXXX Credit Card. I have called numerous times and have spoken with multiple agents and supervisors who indicated I would be able to log in and redeem points on XX/XX/2023. I still can not log in and still can not redeem my rewards points. I make my payments on time and am charged interest per the card agreement but my rewards are not being made available to me per the same agreement. I have tried to work the the credit card company to simply apply the rewards to my card balance and they will not. The credit card company is telling me that the issue is a cyber attack on them yet when you call their phone number XXXX, or receive an email from them they tell you to log into their website. If the site was victim to a cyber attack why are they advertising to log into the site. I simply want to redeem my points and get access to my card usage and statements so I can close this account.
Company Response:
State: NY
Zip: 130XX
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: 2023-07-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There are 2 lates that are showing on my credit report for my XXXX XXXX XXXX credit card when they weren't late and hte company had issues with there website and was down when i tried to make the payments. It was in the month of XXXX and XXXX of 2023. The company is going through a bankruptycy and the card site was down. They didnt mail me the statement till after the due date also.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
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: In XX/XX/XXXX my XXXX credit card switched from XXXX XXXX XXXXXXXX to Comenity bank I had a balance of {$2200.00} I had credit points towards my balance of {$280.00} this information I had got from their service representative by phone on XX/XX/XXXX. I paid {$1900.00} on XX/XX/XXXX. I never used the Comenity bank credit card I received billing for the {$280.00} that were my credit points plus interest plus penalties in XXXX I called them at that time and told him what the issue was they said it would be resolved. In XXXX got the same bill with more penalties and interest sent them a letter XXXX XXXX same story. I have filed complaints with their company on two different occasions on two XX/XX/XXXX and most recently on XX/XX/XXXX. At this point I have sent three letters one of them a registered letter on XX/XX/XXXX ive made at least five phone calls been told repeatedly issue would be resolved and it has not. My credit score has been downgraded to the mid XXXX when it had to of been well over XXXX. I need to get this issue resolved as my insurance quotes and rates have gone up due to my rent lowered credit score. I do not know how to put these copies of my letters and statements into a file to send with this complaint. I can supply copies of documentation if I have a mailing address or a email address my phone number is XXXX my mailing address is XXXX XXXX XXXX XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Comenty Bank acknowleged my concern and stated via secure messing to continue my account by aloowing me to use an alternative method to continue paying my account. However, they have used the excuse that since they no longer own the account they can not access the files to review and follow thru on there obligation. XXXX XXXX XXXX would not cooperate on accessing the secure messiging system when asked.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I purchased some furniture from Big Lots 2 years ago for {$2500.00}. They offered XXXX percent financing for 2 years. I set up automatic payments on XXXX 's website of {$100.00} per month. All XXXX payments were made on time. My XXXX and final payment was made just a few days after the promotion period had ended. Apparently I made a mistake about when my last payment was due. I had a balance remaining of {$100.00} to pay it in full at the time of this complaint. It has been paid. When I saw that my statement balance had increased by {$1200.00} I immediately went to the website to see what wrong. I thought perhaps my card had been compromised. When I looked at the most recent statement ( I signed up for paperless statements ) I realized that the sudden balance increase was deferred interest. I immediately called XXXX to pay the remaining {$100.00} and have the huge interest charge reversed. They refused. They told me my XXXX statement contained a notice that the promotion period would end next month ( XXXX ). I have no reason to look at my paperless statements because I always make my payments on time. The interest charged is more than 50 % of the original purchase amount. I want the deferred interest reversed in full so I can close my account.
Company Response:
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a payment due on XXXX, I could not afford to pay my monthly payment so I plan on making both payments next month, which is in XXXX. Ever since I missed this first payment ever, Comenity Capital Bank has been harassing me non stop calling me 10 plus times a day, and from different numbers, as well as calling me for a private number.
Company Response:
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have received 13 calls in the past two days from Comenity Bank regarding a credit card that is past due.
Company Response:
State: IL
Zip: 61820
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Account was paid in full by bank check sent through USPS priority mail on XX/XX/2023. USPS tracking shows that the envelope that contained the payment check and payment coupon was picked up at USPS facility on XX/XX/2023 at XXXXXXXX XXXX. I contacted the credit company, Comenity, on XX/XX/XXXX and initiated a dispute as they were showing the payment had not been received. Actions since then have included late fees, interest fees and a report to the credit bureaus of late payment more than 30 days. I have spoken to several representatives from Comenity to attempt to resolve the issue, including offering to stop payment on the check and pay the account electronically and I was told the fees charged and report to the credit bureau could not be changed.
Company Response:
State: IN
Zip: 46311
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A