Date Received: 2023-07-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: During the XXXX pandemic I missed XXXX payments on different accounts because I was not working due not be able to work in my industry. I disputed all three and the have yet to take them off my credit report. Also had covid 3 times and missed work.
Company Response:
State: FL
Zip: 33813
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Hello there! I had opened my ulta credit card inthe store like XXXX and After that I tried to pay it off every month. But in covid, I was not working and they kept charging me interest rates for my purchases for XXXX. I tried to contact them but they always used to hang on me. I am a student and I had part time job and I have other credit cards with this company which have similar interest charges. I do not understand if I did not make any purchases after XXXX, then how I am still paying the all the credit cards. This company had overcharged me and also they call me consistently if I did not able to pay them. Their website always used to collapse, which makes me harder to pay the balance. I wanted to close their credit cards but looks like forever paying their debt. I think I am not the only one with this issue since I had read some other people post on XXXX about the same issue. I would like to request you to please help me with this. I had attached my XXXX statement and XXXX statement so you can see how I am still paying for XXXX bills.
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone tried to get jewelry Im assuming because I have an inquiry from comenity bank/XXXX claiming I applied for jewelry and I didnt. They also have inquiries for bank cards that I never applied for.
Company Response:
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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 USC1681 section 602 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 USCS 1666 B a credit 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: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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: In late early XXXX, I received an email from Comenity that my payment was late. Since I had only recently received the card ( which I did not apply for ) and had not made any purchases, I called and found out there was a charge for {$49.00} from a merchant I didn't know. I started the dispute process but was told I still needed to make a payment even though I was disputing the charge. I went online and made the minimum payment as instructed. I received an acknowledgment letter of my dispute on XX/XX/XXXX. I received another letter on XX/XX/XXXX stating that they had determined I was NOT responsible and would credit my account. Since that letter I've received no less than 5 calls from their collection department, they continue to charge me interest and late fees and I believe have reported delinquency on my credit report. In each phone call, I explained what was going on, was transferred to the fraud department, and was reassured that everything would be fixed. I also have a XXXX store credit card through Comenity and on XX/XX/XXXX received a notice that my credit limit had been reduced due to " a significant decrease in your credit score ''. Since every other credit account I have is either paid off or paid on time, I'm assuming they are reporting this account as delinquent. In addition to their collections calls, I called in and spoke with XXXX on XX/XX/XXXX and the fraud department again on XX/XX/XXXX about this not getting fixed. I need help to get this resolved and my credit restored. I would also like information on what other recourse I have since this has cost me time and damaged my ability to get a loan.
Company Response:
State: WA
Zip: 993XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: 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
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for the Cares Act hardship program back in XXXX of XXXX and per the plan, hardship was completed back in XX/XX/XXXX. Due to technical issues, I have been unable to use the credit line as agreed upon per the completion of the hardship program. I have been contacting the credit card company since the end of the program with complaints of not being able to use the card with no resolution for almost a year later.
Company Response:
State: VA
Zip: 23234
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a XXXX XXXX XXXX with comenity bank. The balance is {$600.00}. Due to late fees. I have a payment set up for {$120.00}. I would like to see if i can get these late fees taking off.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened a fraudulent account using my personal information : Comenity bank Victoria sectret. This is NOT my account and I would appreciate the immediate removal of this account from my credit. Please note the attached FEderal Trade Comission report.
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: 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
Company Response:
State: MO
Zip: 65201
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A