Date Received: 2023-06-29
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have been a long time customer with the Express credit card ( my card states since XXXX, but i believe it was earlier than that. ) I have worked very hard to build up my credit limit with them. I paid my balance off in FULL on XX/XX/XXXX, but then on XX/XX/XXXX they decided to post {$2.00} of interest on my account. Around this same, i was dealing with my XXXX 's credit card ( which is the same credit card company COMENITY ) because i was having issues with that account because it was hacked. I was having a really hard time dealing with them and trying to get my XXXX account corrected i was not aware that they were also screwing me over with my Express card. It took me months to finally get my XXXX ( Comenity ) credit card situation resolved. Even though i didnt feel like i should pay the additional late fees and interest on the Express card, as soon as i was aware about my Express card balance ( it was at {$36.00} at this point ), i paid it in full on XX/XX/XXXX because i didnt want it to effect my credit score and credit limit that i had worked so hard to increase up to about {$4000.00}. I was in the Express store on XX/XX/XXXX, and i was made aware that my credit limit had been dropped to {$200.00}! Dealing with Comenity has been such a disappointment, and it is very frustrating that after being a long time customer i have had such a terrible experience with them these past 7 months.
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have never received a credit card or anything pertaining this credit card. However I have been receiving phone calls NON-STOP all day with harassing voicemails, regarding a balance overdue. I have explained I never received this credit card and I called XXXXXXXX XXXX requesting an itemized bill of what was purchased. I was told they couldn't find that information. I have never approved for my information to be shared with anyone or 3rd party company.
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I receive anywhere from 5-8 phone calls a day from Comenity Bank . They call from a regular number once then they will call from an no caller ID number as if to annoy me with a barrage of phone calls. Ive tried to pickup and answer the call when no caller ID calls come through and no one is on the other line. These calls only happen when Comenity Bank is making numerous calls per day. I received a call today at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXXm sure Ill receive at least one more call today. I feel threatened and harassed by this bank and their relentless calls.
Company Response:
State: IN
Zip: 46201
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/2023 at XXXX hours I called the company about misinformation being report inaccurately. Also, taxing on late fees and interest when I wasnt late and on plan to not have interest. I was told it be resolved in XXXX days however it was not. I call every XXXX days and nothing changes even though I am continuing to pay the minimum amount.
Company Response:
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank continues to call and harass me and my wife also hides their numbers to unknown. Also they continue to say I need a lawyer cause they are going to ruin my credit. Well its already ruined. I lost my job due to Covid, I became sick and I am XXXXXXXX XXXX XXXX XXXX
Company Response:
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Commenity Bank has called me six times today. Four of the calls were within XXXX XXXX of each other. I have asked them not to call me more than once per day, and that I work from XXXX XXXX XXXX XXXX XXXX. They call during my work day constantly. I am trying to catch up on my payments, and can not send them any faster than I get paid, and I have told them that, but they keep calling. They also try to force me to set up autopay or a post-dated payment, which I don't want to do because I'm afraid if something goes wrong they will bounce and I will get hit with bank fees on top of the late fees.
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXX XXXX Offered a discount, I accepted a XXXX XXXX credit card while making a phone order, was told that he paper work would be sent to me. On Thursday XX/XX/XXXX I received my first contact from them, making it clear that the interest was 31.74 % (!! ) and that *I had only days to close the account, * if I did not wish to accept that. The card 's fine print gives itself the right to all my personal information and to share it with anyone it chooses. I did not call to activate the card. Instead, I immediately called the number given to close the account ( XXXX. ) It's a recording. There is NO place in its menu to close an account. I tried all the options given and could not close the account. There is NO way to get an operator. I tried numbers for customer service and the Comenity Bank, said to be the issuing banking institution. It turns out to be a Delaware po box XXXX Recordings. I wrote XXXX XXXX on its website. Good merchandise. Sleazy financial practices. I NEED TO CLOSE THIS. FRAUD. FRAUD. FRAUD.
Company Response:
State: KY
Zip: 40222
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: 2023-06-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Community bank, so the account to XXXX and it was dismissed in court as of XX/XX/2020. The XXXX case was dismissed for fraudulent activity ( 2 ) bill of sales. And now Comenity Bank is reporting to the bureaus. I have emailed and even wrote twice to have this incorrect report on my credit report to be removed and yet, I have got no response. I have written Community Bank as well as all three creditor bureaus at which I also included and sent the court document each time and yet its still being reported on my credit report. Community Bank have an arbitration agreement and they went and sold the account without letting me know or consenting with me and thats a violation. And since 2020 that it has been dismissed in court they are now committee bank that is reporting it like I said once again to the credit bureaus, Id like this removed off my credit report. Thank You.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Comenity Bank special program no interest through Jared Jewelry Store in XXXX XXXX loan was for {$2600.00}. This loan was to be paid off by XX/XX/XXXX per XXXX billing statement. There were 12 payments made for XXXX XXXX {$2600.00} 12th payment cleared on XX/XX/XXXX.. They show a balance due of {$180.00} which needed to be paid by XX/XX/XXXX. The XXXX billing statement was never generated. They have taken the interest free loan and added all the interest@ 29.99 % plus late fees. I have brought this to their attention on XX/XX/XXXX XXXX and XX/XX/XXXX. They answered me on XX/XX/XXXX, acknowledged my claim and requested 90 days to investigate. There was no answer in the 90-day investigation period. On XX/XX/XXXX I received another letter acknowledging my claim and acting for 90 day investigation period. On XX/XX/XXXX, I received another letter that determined my claim research did not find any error. My current balance is {$170.00}. This would be all interest@ 29.99 % and late fees. I believed they are very deceptive and have unethical banking practices. the XXXX XXXX investigation should had been completed in XXXX, but they just kept adding interest and late fees until XX/XX/XXXX. I would be grateful for any help you can give me in this matter. My main concern is my correct score ( XXXX ) and I believe they have been paid in full. I should have a small credit. Thank you, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2023 I asked my step dad to help close my store credit card account with Commenity Bank/Ulta Beauty . I had been behind on my payments by a month and they were continuously calling me. At XXXX XXXX. XXXX time we reached XXXX at Commenity Bank and asked her what it would cost to pay the balance in full. We also asked that if we paid the account in full that they close the account. We had some questions about asking for a goodwill removal of late reporting to the credit bureaus which XXXX couldn't answer, so she transferred us to XXXX at XXXX a.m. XXXX time. XXXX agreed to close the account if we would pay it in full. My step dad confirmed with XXXX the amount to be paid in order to close the account, she told us it would be {$270.00} to pay in full and close the account ending in XXXX. Immediately after the phone call I lost all access to my account online, getting the message that the account does not exist. This helped me confirm the account had been closed. The next month, around XX/XX/2023 I recieved a statement saying I had a previous balance of {$47.00} and that they had charged me a " late fee '' of {$37.00} and that the account remained opened. On XX/XX/2023, my step dad and I called back to Commenity customer service and spoke with XXXX. She was very unhelpful, refused to look in to the matter. When we asked her why XXXX had taken our payment in full and not closed the account or mentioned any outstanding amount other than the {$270.00}, she told us, " I don't know, maybe she was a new account representative. '' We ended the call with XXXX by informing her we would be filing a complaint with the CFPB, FTC, local XXXX and any other relevant authorities for misleading predatory lending and collections. We do intend to file complaints with the FTC if this matter is not resolved satisfactorily.
Company Response:
State: CA
Zip: 92058
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A