Date Received: 2023-06-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is the second time Comenity bank has taken too long to process a payment that was sent to them with more than sufficient time to be processed before it became overdue. Their representatives all give the same excuses, but no helpfulness. XXXX took over my credit card account from XXXX XXXX XXXX and I have had nothing but trouble since, from setting up automatic payments to having payments processed in a timely fashion. When the exact same problem occurs more than one time that is two times too many. The delay in processing of course generates interest charges in their favor of course. The latest problem is XXXX XXXX XXXX sending XXXX a check on XX/XX/2023 and it is now XX/XX/2023 and it has not processed. I checked with Bank XXXX XXXX, the XXXX account number on the check was correct, it was sent to the correct address and the amount was correct.
Company Response:
State: NY
Zip: 11776
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid off a XXXX kids store credit card which is XXXX Bank. I paid off a late fee which was a balance over the phone which the service adviser helped figure those numbers then requested to close the account. The next month I received a balance again and I ignored knowing that I had paid the balance and closed the account based on what the adviser said I owed and now XXXX months later I owe {$95.00} dollars just on late fees and interest. This is unacceptable and I need help so it doesnt affect my credit XXXX
Company Response:
State: CA
Zip: 91790
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On Monday XX/XX/2023, I indirectly received a Summons from the Court of Common Pleas of the State of Delaware for XXXX XXXX. The serving of the summons was unacceptable. This is regarding the Comenity Bank account ( account number ending in # XXXX ) Comenity Bank sold the original debt to debt collection agency XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX is now trying to sue me, the consumer, for the debt that has already been paid and accounted for. That is a violation. There are more violations : 1. I did not receive a written notice of debt from XXXX XXXX XXXX XXXX XXXX ; 2. With the summons I received, there is no conspicuous statement from XXXX XXXX XXXX XXXX stating that I have the right to dispute this debt ; 3. I have not received enough information to verify this debt ; 4. XXXX XXXX XXXX XXXX influenced a Special Process Server/Clerk of the Court ( State of Delaware ) to indirectly speak with a third-party about this alleged debt, as the information was delivered without an envelope and given to someone outside of the person of interest and ; 5. This summons/lawsuit was my first time receiving notice of the debt. I did not receive written notification of debt prior.
Company Response:
State: DE
Zip: 19901
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act the following creditors have violated my rights. Under code 15 USC 1681 ( a ) ( 4 ) The following creditors violated my privacy rights 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
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 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b a creditor 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: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Comenity bank has mis-allocated funds paid towards promotional plans. Payment have been applied as purchases, thereby increasing the balances owed higher than the original purchase. I had a plan from XX/XX/XXXX - XX/XX/XXXX. I have paid that in full, but each time I have called and spoken to a representative to have funds specifically allocated to that account, the payments have been applied as purchases rather than a credit to the amount owed. That account is in dispute, but on my statements from XXXX, XXXX and XXXX, payments intended for another promotional plan that was dated XX/XX/XXXX - XX/XX/XXXX were applied to the paid in full account which expired in XXXX ( XXXX on my XXXX statement, and {$260.00} in XXXX. ) The original purchase price was {$960.00}, but the balance now shows as {$1300.00} Comenity Bank stated that I would not have to pay anything towards the disputed amount, but their system has automatically applied that money to the disputed plan and they refuse to move it despite their stated policies. For the account expiring on XX/XX/XXXX, {$260.00} was moved from the funds designated for that and also applied toward the paid account in dispute in XXXX of XXXX. In XXXX, that balance was {$940.00} and in XXXX it shows as {$1200.00}. If I am making large payments every month, how can that be? The statements clearly show purchases instead of payments or credits. They refuse to do anything about it except to dispute the charges. How is one supposed to obtain a correct balance due to these erroneous payment allocations? Further, they had changed their allocation rules in XX/XX/XXXX, so, in essence, they changed my contract during the life of the contract. I need some assistance to resolve this matter. This is not ethical, I believe illegal, and certainly a deceptive practice in order to force the consumer to pay interest on what was originally stated to be an interest-free program. Please see the attachments to illustrate the errors and allocations I have described.
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
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: The last time I used the card was in 2020, a few month ago I was notified via mail that there it was a charge and was adding late payments. I looked at the charges, and they were made in the XXXX XXXX, this was not me. I called the company back in XXXX, the lady on the phone said she will put a stop on the account, open a claim, and escalate it to the investigators. Now it seems like they are not doing business with XXXX anymore, it is hard to get a hold of some one, and the call keeps dropping. They had flag my account and have put a negative impact on my credit, I need help.
Company Response:
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: This claim pertain to XXXX credit card. I have signed for a 18 months interest fee credit on purchase from XXXX XXXX back on XX/XX/XXXX, which would be due by XX/XX/XXXX. I have made my last payment on this purchase on XX/XX/XXXX, with a deposit of {$2000.00}. However, to my horror surprise, I was charged with a XXXX dollars in interest which I believe is fraudulent. The contract, lack transparence, as no where is to see such charge. Also I have never received any notification from this bank regarding my account and upcoming payments. I have tried to settle with the bank over multiple phone calls I made, without a resolution. The agents would have same script answer as there is nothing to do in this situation, so every time I tried to escalate to a supervisor I would be disconectted.
Company Response:
State: FL
Zip: 34119
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act this account, Forever 21, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account within my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Background/Context : In XX/XX/XXXX, I opened a credit card through online retail company, Wayfair. At the time, Wayfair partnered with Comenity Bank for their credit cards. In XX/XX/XXXX, even with a balance left to be paid, Comenity Bank closed my account. Later on I learned this was because Wayfair discontinued their relationship with Comenity Bank for their credit card accounts. Since XX/XX/XXXX, I tried to pay down my balance more aggressively by paying more than the minimum required. In my XX/XX/XXXX statement, the new balance was {$1700.00}. Payment was due on XX/XX/XXXX. o On XX/XX/XXXX, I scheduled a payment for {$200.00}, leaving a balance of {$1500.00} before the statement period due date. o On XX/XX/XXXX ( the date due ; and within the statement period ), using Comenitys own electronic payment scheduling system, I scheduled another payment of {$1500.00}. I wanted to be done with this Comenity account once and for all, so I decided to forego life essentials and other payments for XXXX in order to make that very substantial {$1500.00} payment ; but I did so believing this {$1500.00} payment would finally close out my account and end things with Comenity. In fact, after I made that payment, in excitement, I kept checking my balance on Comenity and each time it said XXXX. That is exactly what it should be. XXXX balance. I receive a XX/XX/XXXX statement. I opened it expecting it to verify that Ive paid off my account. However, it says I owe {$31.00}, due on XX/XX/XXXX. The statement says this {$31.00} is for charged interest. There should be no interest charged when I paid off the remaining balance of what was owed on XX/XX/XXXX ( the date due for the last statement cycle ). In other words, no balance was carried over into the statement cycle. Issue : I effectively paid off my account balance in full on XX/XX/XXXX when I made that final payment of {$1500.00}. Given Comenitys latest statement, the XX/XX/XXXX statement, incorrectly claiming that I owe {$31.00} in interest, I emailed Comenity on XX/XX/XXXX and called them on XX/XX/XXXX, requesting/pleading with them to remove the {$31.00} charge because it was inaccurately placed on my account. o XXXX XX/XX/XXXX, I had to speak with two Comenity representatives. The first one was rude and failed to demonstrate a semblance of customer service or willingness to help. The second representative, a XXXX XXXX ( XXXX # XXXX ), explained that although my account was closed in XX/XX/XXXX but at some point in XXXX ( unknown exactly when ), Comenity Bank changed its terms and conditions of their credit card agreements. How or why these changes applied to my account when it was already closed ( they closed it in XX/XX/XXXX ) is my first issue. o XXXX XXXX further explained that these changes Comenity Bank made in XXXX somehow created a residual interest system. He tried to explain to me what that meant but it sounded like theyve instilled a practice to deceive and hide the interest from consumers like me. Again, there was no balance left when I paid off my account on XX/XX/XXXX with my {$1500.00} payment. There was nothing to charge interest on and yet, this {$31.00} interest charge shows up on the XXXX statement. With this residual interest floating after unclear timelines, theyve instilled a practice thats deceptive, inaccurate, and unacceptable. XXXX XXXX even subtlety inferred that many, even within Comenity, have issues with this residual interest practice. o I asked XXXX XXXX to remove the {$31.00} from my account but he refused because it is interest. He said if it were a fee, he could help but since it is interest, he cant remove it. My issue is twofold : Comenity is inaccurately charging me interest and I refuse to pay it and I respectfully ask for CFPB to intervene/investigate and assist ; and I also want it noted that the changes Comenity put in place in XXXX by implementing a residual interest plan shouldnt have ever even applied to an account that they themselves closed in XX/XX/XXXX. Please advise. What should I do?
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A