Date Received: 2024-01-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was approved for financing for XXXX, through credit card approvals over the phone. I received my documents in the mail for 2 accounts one with Alphaeon and one with another company. I reviewed my credit beginning of XXXX and was confused by 2 Alphaeon accounts showing on my credit. I was aware they requested an increase to the amount approved to cover XXXX, I was under the impression it was all one account especially since I only received one Statement or bill & card in the mail. I contacted Alphaeon at the # on the back of the card I received and gave my SSN information to the rep and he verified I only had One account showing under my information. I specifically asked and followed up with I was asking because for some reason I see 2 accounts on my credit. He responded again he only seems one account. Then he said he looked in a " special '' system and found another but was putting in a dispute because they where done on the same day and didn't believe could be possible to open 2 accounts at the same time. I said the dispute to figure out what happened is fine. I called again on the XXXX ( I've attached call records to review the recorded calls ) & again was told I only have 1 account under my information. After speaking with a supervisor they informed me it was under review and I would receive Communication about the outcome ( which I still as of XXXX have not been contacted in any form about this matter ). My actual doctors office called me and informed me the funds where being pulled back, and explained the multiple accounts ( which up until this point could never be explained to me or even verified I had another account ... even the automated system only said I had one balance when I put in my social. So I called Alphaeon the same day spoke with a rep informed her the doctors office explained but I still never received a bill statement card any info for account, to which the rep agreed to send me A new card and told me the dispute should be resolved and I would get a letter ( still never received any letter ). I told her that is fine and I made a payment of {$370.00}. This was thr XXXX before the {$5300.00} was returned from my doctors office. On the XXXX of XXXX I again check my credit and see this account shows closed now. Which I did not request, furthermore I validated the debt was no longer in dispute once I made the payment for {$370.00}. My account was closed, the representative stated over and over it was closed at my request which I informed her was incorrect. A clerical error of multiple accounts that should have only been one account was made by the company. And when I inquired because I was confused why there where 2 accounts instead of one after numerous reps informed me i only had One account, I was told it would be investigated, not close my account without letting me know or contacting me. Now the XXXX ( 2 weeks before my XXXX ) when I found out ( again not by alphaeon ) the account had been close. Even the online app said my availability was still {$5300.00} as of the XXXX. All of these calls and conversations should be recorded. To add insult to injury the manager i spoke with on the XXXX ( she was very nice and professional ) informed me she could return my payment if I'd like, if the account was closed why wouldn't my payment be returned automatically?? And as of today XXXX I have yet to receive my payment back and it is Still showing as a credit on the app of the closed card. It all seems very unfair & unethical. It has created so much stress and XXXX I may not be able to even have my XXXX, not only because of the financial strain this entire situation has created, but it is Physically raised my XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/, my identity was used to open a credit card with Comenity Capital Bank Sephora. The thief then charged approximately {$1000.00} to the account. I opened a fraud investigation with XXXX and it was found that the account fraudulent. The account has been removed from my credit history. Even though Comenity has confirmed the account was fraudulent and has closed the account, the debt was still somehow sold to XXXX XXXX XXXX, who is now attempting to collect on the debt. They are trying to collect on a debt that does not belong to me.
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My Sephora visa card expired in XX/XX/XXXX. I never received any new card. So no new charges were made since then. When I go online I would pay my current balance thinking account should be paid off. They kept adding late charges after balance would be paid making my account late now on my credit report. And I would know nothing about it as I thought my balance would've been paid. It's happened every month since XXXX. Shouldn't paying current balance pay it off
Company Response:
State: TN
Zip: 37821
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I visited XXXX XXXX XXXX XXXX on XX/XX/XXXX in XXXX XXXX, TX and purchased a total of XXXX worth of merchandise. While at the register I placed my XXXX XXXX card in the Point of Sale Terminal ( chip inserted ) to complete my purchase. I walked out with a paper receipt and went on my way. Approx XXXX days later I received a 60 day late payment alert from my XXXX XXXX XXXX XXXX which was the first I was made aware of this account. I did NOT receive a Terms of Service, a physical card, or any other information from Comenity Bank or XXXX XXXX to indicate I had been issued some sort of credit card. To this point, I still have not received any of the disclosures or typical information I would expect after a card was opened. Once I was aware of the issue ( approximately early XXXX of XXXX ) I opened a case with XXXX and called Comenity bank to dispute this card. I received a response back from Comenity Bank via latter dated XX/XX/XXXX stating they did not have enough information to make a determination and to contact them, and include the account number in any correspondence ( which I still do not have as of this writing. ) Today ( XX/XX/XXXX ) I received a call and a voicemail at XXXX central time on my personal mobile phone from an XXXX NM. Although they left a message they have since placed additional calls today at : XXXX, XXXX, at XXXX and again at XXXX + voicemail, so far today, which I understand is a violation of the FTC Regulation F requirements .
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I am formally writing to express my profound distress and lodge a comprehensive complaint against the actions taken by your institution, Comenity, now known as XXXX XXXX. This letter outlines the severe and unwarranted damage caused to my financial standing and mental well-being as a result of your response to erroneous reporting by XXXX XXXX and the subsequent cascade of negative credit actions taken by other creditors based on this misinformation. For years, I have maintained an impeccable payment history with your institution, consistently paying on time, often exceeding the minimum payment, and frequently settling the full balance. Despite this history of financial responsibility, your institution reacted to a false report of a XXXX late payment by drastically reducing my available credit and closing my accounts, citing reasons such as 'close to limit ' and 'high usage. ' It is critical to understand that these cited reasons are not reflective of my financial management but are the direct result of other creditors reacting to the erroneous information from XXXX XXXX. The actions of cutting my Express credit card limit and closing my XXXX XXXX XXXX, XXXX, and XXXX accounts, among others, were not only premature but also lacked a fair and thorough investigation into the validity of the claims against my credit. This has led to an immediate and irrecoverable impact on my creditworthiness, with my FICO scores experiencing a substantial drop of over XXXX points, thereby shifting my credit standing from good to poor. This single incident, based on erroneous reporting, has effectively erased years of diligent financial management and will require a prolonged period to recuperate fully. The continuous cycle of credit limit reductions and account closures has trapped me in a state of financial and emotional despair. Each attempt to rectify the situation has been met with immediate closure or further credit limit reductions, maintaining an unsustainable level of over 95 % utilization. These actions were taken based on a domino effect initiated by the false reporting, not my actual credit behavior. The consequences of these actions extend beyond financial strain ; they have inflicted a significant toll on my mental health and the stability of my family. The inability to access equity in my home due to lingering negative marks on certain reports, inaccessible to me as a consumer, has further exacerbated my distress. My FICO mortgage score has plummeted into the XXXX, reflecting the severe and ongoing repercussions of this issue. I implore your institution to undertake a thorough review of the actions taken in response to the erroneous information provided by XXXX XXXX and the subsequent unjust decisions based on the cascading effects from other creditors. It is imperative that XXXX XXXX XXXX XXXX gravity of its actions and the profound impact they have had on my life. Your prompt attention to this matter is not only expected but necessary to begin rectifying the immense wrong that has been done. I trust that you will approach this complaint with the seriousness it warrants.
Company Response:
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to address a concern regarding the lack of statements for my account with COMENITYCAPITAL/XXXX. I recently became aware that I did not receive statements for a specific period, and after investigating the matter, I discovered that it was due to a very small balance on my account during that time. COMENITYCAPITAL/XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or COMENITYCAPITALXXXX customer service representative . I understand the importance of staying informed about my financial transactions and responsibilities. However, it appears that due to the minimal balance in my account, statements were not generated or sent to me during the specified period. I would like to request your assistance in providing me with the missing statements for the mentioned period. Understanding the details of my account activity is crucial for me to manage my finances responsibly. If there are any fees associated with the generation or retrieval of these statements, please inform me in advance. Additionally, I kindly request that you review your procedures for statement delivery to ensure that customers, regardless of their account balance, receive timely and accurate statements. Clear communication is essential to maintaining a positive banking relationship, and I believe that receiving statements regularly, even with a low balance, is in the best interest of both parties. I appreciate your attention to this matter and look forward to resolving this issue promptly. Thank you for your prompt assistance in this matter.
Company Response:
State: CA
Zip: 90303
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These addresses were never mine, someone stole my identity and opened an Ulta credit card under my identity. I have never lived at these addresses : 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 This is my XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was my XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was my XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my XXXX XXXX property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 95678
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Company first started contacting me on Thursday with 3 no caller id numbers and 4 registered phone numbers ( 7 calls in one day ). Friday I had 2 no caller id numbers and 2 from the same registered number ( totaling 4 calls that day ) Saturday I had two missed calls from the same registered phone number. Sunday by XXXX I have received one call from the same number. This means they have called me 14 times in the last XXXX XXXX days. Registered number calls come in from is ( XXXX ) XXXX
Company Response:
State: UT
Zip: 84105
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I used a link to their website from the doctor 's office. The website asked me to prefill my application with my mobile number, last 4 ssn, and zip code. After I clicked continue, they automatically opened an account under my name. Nothing on the website said that this would be the final step in opening up an account and that this would be a hard credit pull. I thought this would be a pre-qualification to see if I could be pre-approved. Nothing on the screen showed me that an account was created. I can't login to their site either but I did get notifications from my credit monitoring that an account was opened under my name.
Company Response:
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was going over the hard inquiries that I have on my credit report and there is some that I do not recognize and did not authorize. I have filed a complaint through identitytheft.gov and I need these inquiries to be removed.
Company Response:
State: CA
Zip: 95350
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A