Date Received: 2023-06-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Around XX/XX/XXXX we opened aa Credit Account with Community Capital to shop on Appliances Connection Web-Platform. We ordered some appliances which were delivered very late. XXXXXXXX XXXX never sent us an actual card, never sent us any paper statements. The only way to find out were, when and how much do you need to pay is to find their phone number online. On XX/XX/XXXX, I was notified by my credit monitoring service that a negative report for late payment was reported to my account. Per records I the payment was late back in XX/XX/XXXX. I called the creditor and they told that my payment in XXXX was late. I told them the XXXX have being charging my account automatically. In XXXX the creditor charged my bank account automatically twice for XXXX $ each transaction, even when the minimum payment was XXXX XXXX Specifically, on XX/XX/XXXX and XX/XX/XXXX ( please see the statement attached from XX/XX/XXXX ) Then another charge of XXXX $ was processed on XX/XX/XXXX. In XXXX I checked my account I noticed that the creditor processed a refund dated XX/XX/XXXX I called the Creeditor and I was notified that their system charged my account twice so they issued a refund in form of a paper check. They asked for another card information, which I gave them and they have being processed payment automatically ever since from the same bank account. Me as a consumer I did everything that had to be done for my balance to be paid, when the creditor deliberately charges my account then issues refunds, stops charging my bank account and never notifies me of any payment issues and makes incorrect credit reporting 5 months after. The Creditor incorrectly reported a 30 days late payment for the month of XXXX which was never late. I filled a dispute with All XXXX credit reporting agencies twice already and Creditor still refuses to correct their mistakes.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a Land 's End Visa card issued by Comenity Bank. On XX/XX/2023, I paid the balance in full. This was approximately two weeks before the due date. I had made all of my monthly payments on time. A few months I paid the balance in full. A few months I carried a balance. In XX/XX/2023, I received another statement indicating I owed {$21.00} in interest. The back of the statement states when the balance is paid in full, no additional interest will be incurred. I did so, but they still charged me interest. I have called Comenity and sent messages about this inaccurate interest charge, but they refuse to waive it. They state that I am paying the unbilled interest on the balance prior to the payment. When I paid the balance in full, the payment screen gave me four options : 1. amount due, 2. statement balance, 3. current balance, 4. other amount. There is no option for " pay off '' that shows the additional interest. The consumer is unaware they sill owe interest until they get another unexpected bill after they believe they've paid the balance in full. I now have to pay this falsely billed interest because I don't want my credit ruined. This is a deceptive, misleading and unfair practice.
Company Response:
State: CA
Zip: 91945
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Company calls me constantly and from different numbers
Company Response:
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: COMENITY BANK IS RIPPING PEOPLE OFF IN FEES AND INTEREST. I HAVE HAD XXXX CREDIT CARDS OWNED BY COMENITY BANK. WHEN I PAY THEM OFF EACH MONTH, I GET A BILL FOR {$2.00} INTEREST ... ..I CALL AND COMPLAIN. A FEW TIMES THEY TOOK OFF THE CHARGE. ONCE IT WAS XXXX INTEREST BUT MINIMUM YOU CAN PAY IS {$2.00}!!!! I ENDED UP CLOSING ALL OF MY ACCOUNTS WITH COMENITY BANK. I NOW HAVE A XXXX XXXX XXXX THAT WAS SOLD TO COMENITY BANK ... .OMG! NOW BEFORE I CAN EVEN MAKE MY PAYMENT BEFORE THE DUE DATE, MY DOLLAR AMOUNT HAS GONE UP FROM THE STATEMENT AMOUNT... ALL WITHIN 10 DAYS! WHAT'S WORSE, ARE SEVERAL PEOPLE ARE SAYING THE SAME THING ABOUT THIS UNETHICAL COMENITY BANK PRACTICE! PLEASE INVESTIGATE THIS COMPANY FOR THE WELL BEING OF THE AMERICAN PEOPLE ... .THEY ARE DOING SOME FOUL AND UNETHICAL TREATMENT TO THEIR CLIENTS!
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX is reporting me again now 120 days late and Im not. I am on a hardship program and the payments are ACH out my bank account every month on the XXXX. They keep reporting me late and its damaging my credit along with XXXX XXXX! My CREDIT IS RUIN BECAUSE OF THESE TWO BANKS!
Company Response:
State: CA
Zip: 94070
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: 7 days a week Comenity Bank calls over and over before XXXX and late night. I also have 3rd party debt collectors trying to collect on the same debt which has to be illegal
Company Response:
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am called 8-10 a day between XXXX and XXXX by Comitiy bank. We are currently overseas and they have continued this for WEEKS. My husband is in the military and we can not get any sleep because of these repeated calls!
Company Response:
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Called but only getting automated response on XXXX XXXX
Company Response:
State: TX
Zip: 77354
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I contacted Comenity Bank regarding my credit card always being declined in XX/XX/. I learned that my old account was closed due to fraud and a new card was mailed out. I do not recall being told a new card was going to be mailed out. My issue in XX/XX/2023 I was charged a late fee. I did not receive a statement from Comenity to pay my monthly bill. I called to pay my account and asked for the late fee ti be waived. I was told my account was not eligible because Comenity can only waive a late fee every 18months. Because they did not receive returned mail, they still will not waive the fee. I escalated my call to a supervisor and was told the same thing. This is not fair and not okay with me. They are supposed to provide a billing statement and did not, or it was lost in the mail. Why am I being penalized in the amount of {$29.00} due to no fault of my own. My address is the same and I always pay my bill on time. The fee of {$29.00} should be reversed and I don't care about their policy unless they can prove they sent out a statement to my listed address and prove the statement was delivered to my address.
Company Response:
State: WA
Zip: 99004
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I thought I made my minimum payment on my XXXX Comenity card in XX/XX/2023. On XX/XX/XXXX, I got a notice from Comenity asking me to call them. I called and that is when I discovered that a payment was not made. My payment was 9 days late. On XX/XX/XXXX, I spoke to XXXX, supervisor, asking her to remove the late fee as I have never been late making a payment, Ive made multiple payment in the past and Ive never exceeded my credit limit. XXXX removed the {$29.00} late fee. I had to pay {$40.00} ( my min payment is {$35.00}. Due to late payment they required me to pay an additional {$5.00}. ) I was confused, asking WHY I needed to pay an additional {$5.00} when you removed the late fee? Their explanation is still confusing. Today, XX/XX/, I went to my account to make a payment EVEN THOUGH a payment is not due this month. There is a notice saying my account is past due and options may be available to get my account on track. I was confused about this notice as there is NO minimum payment due. When I called on XXXX XXXX XXXX never informed me that additional payments were needed to get account up to date. I called today, XX/XX/XXXX, I had the displeasure of speaking to a RUDE rep, named XXXX. I asked to speak to a supervisor. XXXX assisted me. I asked WHY is there a message saying my account is in past due status when a made a payment? He says the system has not been updated and Comenity bank is reporting that my account was past due. I said, once i took care of the matter and the late fee was removed, my account is no longer in past due status. Plus, your account has to be 30 days late or more for a bank to correctly report to credit bureaus that your account is in past due. My payment was 9 days late, ONLY because I thought I already made a payment. It happens! Ive never missed a payment prior to thinking I ALREADY made a payment in XXXX! Ive had another issue with Comenity in XXXX of this year when I was making a purchase using my XXXX XXXX The card was declined. I called Comenity and was told that my card had NOT ben activated when I had been using my card for several months prior to trying to use it to make a purchase. AND Ive made payments to the account before XXXX. And I Ive made several transactions on my account when they claimed my card WAS NOT ACTIVATED. The representative nor the supervisor could explain WHY their system said my card was not activated.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A