Date Received: 2023-05-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had a cd mature on XX/XX/23 with XXXX XXXX '. Was told there was a 10 day grace period to renew. On the renewal date, the rate for a 1 year cd was 5.20 % with a 'loyalty ' bonus of 5.40 % and that if the rate went up or down during the grace period, I would be entitled to the highest rate offered during that grace period. On XX/XX/23, with 2 days left on my grace period, I called in on a recorded call to renew at the 5.40 % rate with the understanding from representative 'Eithan XXXX that if the rate goes up in the 2 days left on the grace, I would get the higher rate. XXXX also indicated that if the rate goes down, I would be safe and locked in at the 5.40 % rate. I renewed on XX/XX/23 at 5.40 %. On XX/XX/23, I called in to confirm everything with 'Tay XXXX who I was told was a supervisor, told me my cd renewed at the 5.25 % rate. She was not professional, very condescending and could not help me get the error corrected. Also spoke to a representative by the name of XXXX XXXX who also could not help me. Very troubling situation, and very poor customer service from phone reps that appear to be in other countries.
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: About XXXX ( XXXX ) or more, I called Comenity Bank to completely close my account and cancel a credit card. The representative told me that everything was going to be OK. A couple of months later I received a notification from the credit company that my score lowered because of this credit card, good sam/comenity bank. I called the bank again, asked what happened and they told me that there was a late fee, I straightened everything about, for the second time with the bank and credit card representatives and they told me that everything was going to be OK. About a week ago or so, I received a call from XXXX, from comenity bank, saying that my account had an outstanding balance for late fees, I mean, they keep on charging me late fees, on A CLOSED ACCOUNT! I was aware that if I closed/cancelled a credit card, it could affect my credit, I was OK with that because I really don't want anything to do with this bank, they are the worst to deal with. And now, this is outrageous, they keep on charging on a closed and cancelled account. Unbelievable! Please help me. It has affected my credit a lot! When contact the comenity bank refer to number XXXX, the supervisor I spoke with was XXXX, she told me that from now on I wouldn't have any problem with them, which I don't believe because that was the same thing they have told me before and they just keep on charging on a closed account I don't want anything to do with this comenity bank.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My AAA Comenity card and my XXXX card are charging my XXXX XXXX XXXXXXXX card interest charges of approximately {$40.00} & {$30.00} every month because I pay the minimum payment every month. But yet I pay interest on those accounts every month.
Company Response:
State: NJ
Zip: 08610
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I hope this letter finds you well. I am writing to formally lodge a complaint against XXXX credit card regarding the extremely disappointing experience I have had with their credit card services. I believe that their practices have violated consumer protection regulations, and I kindly request your assistance in addressing this matter. I opened this credit card and used it only once for a total of {$490.00}. I applied for auto payment, and although my bank balance was sufficient, the payment was not made on the scheduled date, and they charged me a return check fee for {$30.00}. And {$12.00} of interest charge was followed after. As soon as the issue arose, I asked them for an explanation and double-checked the information to ensure that the payment could be resubmitted. I noticed that the amount was posted five times on my bank 's website, so I immediately raised the issue. During the chat, they informed me that my payment had been successfully processed. However, a few days later, I discovered that they had charged me a {$30.00} returned check fee again. I explained the situation over a phone call and was able to make the payment again using a debit card. So far, they have charged me over {$70.00}. They promised to refund the fees to me later if I paid all those amounts, and I made the full payment. However, despite a considerable amount of time passing, the refund has not been received. When I called them again regarding this issue, they informed me that they are unable to refund the charged amount. I still don't know what went wrong with the bank information I provided. I have been using that bank for over 10 years, and until now, there have been no issues, and my balance has been sufficient. The fact that I am being charged {$30.00} every time I try to make a payment through my account has caused me a great deal of distress. The realization that they are making money so easily has made me angry. It seems like they are charging customers for mistakes that are caused by their own system, without taking any responsibility or making any effort to rectify the situation.
Company Response:
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX and Comenity Bank have re-added to my XX/XX/XXXX XXXX and XXXX credit report after removing the credit line due to fraud in XX/XX/XXXX when I supplied police report and documentation in XX/XX/XXXX. My score dropped over a 100 points and Ive disputed this again but every 3 or 4 years they sell my information from this XXXX and Wayfair accounts and re-add it to my credit reports after Ive supplied proof of these accounts not being mines but fraudulent accounts repeatedly.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX received 8 calls in 7 hours between XXXX and XXXX XXXX regarding lane bryant credit card XX/XX/XXXX received 5 calls in 6 hours between XXXX XXXX and XXXX XXXX regarding same lane bryant credit card XX/XX/XXXX. Received XXXX calls between XXXX and XXXX XXXX regarding same lane bryant credit card with payment already scheduled for 5/22 in past due amount of {$37.00}. Amount past due is {$37.00}. Lane Bryant attempting to collect past due {$37.00}, and future due {$22.00}. Lane bryant representative states that my account will remain in the past due status until I also pay the future amount due of the {$22.00} that is not due until XX/XX/XXXX ( 3 more weeks ). I understand that this means that I may continue to receive 7-8 calls per day at work until I pay the future amount due.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I set up a payment program for 60 months with them at {$19.00} some change a month in the system. They made a mistake and everyone in their system can see their mistake that it was said that the XXXX who I spoke with at the time. Open the page for a 12 month program and then closed it noting that it was a mistake and client ( myself ) would be doing 16 month program. They have defaulted saying that I did not make my payments though I had set them up automatically to draft on my account for the next 10 months. They said because the twelvemonth program was for {$50.00} a month though it was not set up for that and there was a mistake in their system that I. Would need to pay all the late fees and interest ( which there should be none the program is with no interest for the duration ) to start a twelve month program because it was showing a Default on the 60 month and couldn't no longer do this ( which I had not and they told me they could see I hadn't ) and would have to pay all the interest and late fees again this was in XXXX before my payment was due. I spoke with a supervisor there his name was XXXX XXXX said yes you have done everything correctly you are not in default and it was a mistake in the system he then sent an email to the hardship department asking them to correct it and my credit report so I could then resume payments before it went past my due date and to contact me when it was corrected. I did not receive a phone call I then called several more times in XXXX of XXXX, several more times in XXXX, several more XXXX and again todayXX/XX/XXXX when I have called they all tell me the same thing yes it may have been their mistake but there's nothing they can do unless I pay it up the balance should be {$780.00} and they are demanding a payment on the balance of over {$1700.00} ( as ofXX/XX/XXXX ). They refuse to correct the mistakes or my credit. I called again today (XX/XX/XXXX) and tried to resolve the issue but they once again refused to correct the balance or my credit so I can pay them. That's all I want is to pay them and never do business with them again. This has significantly impacted my life and my credit. Due to this I'm unable to make any changes or advances in my life or my credit. The duress it has put me through has been substantial and they believe they are untouchable and that I have no choice but To do as they have demanded and pay all this they have added on and they will continue to hold my credit and reputation at large unless I do so. I was told today they will not make those changes in correcting them as my balance owed or my credit report.
Company Response:
State: GA
Zip: 30701
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I closed my Forever 21 credit card account, which is through Comenity Bank on XX/XX/2023 after only having it for 6 months and making 1 purchase in the amount of {$21.00}, and being charged astronomical late charges when I was unable to login to my online account to make payments and not receiving the statements by mail or email as requested, after I closed the account I received the attached correspondence from a representative of the Customer Care Team confirming that my account was closed and the balance was XXXX at that time. A short time later I receive an email saying I had a balance due on a closed account, and started receiving harassing phone calls all day long, all from different phone numbers. They now have a balance of over {$180.00} in late charges due on this closed account, they are affecting my credit score and continue to call on a regular basis. Never have I have seen a company with so many complaints, from the XXXX XXXX XXXX, which had over XXXX complaints, on their XXXX page and all over the internet. This company is ripping people off and must be stopped, how can they continue to stay in business with the work ethics that they have? I have tried to speak to them, they acknowledged the balance was XXXX when it was closed, but say that the charges were added the same day the account was closed.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please accurately including every notation, date, and balance whether reported or not. [ XXXX XXXX XXXX ] [ Comenity Bank ] I also respectfully request to be provided specific proof that the alleged late payments were in fact late. I request to see all statements and payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide proof or if lacking proof of payments being late please update my payment history to PAANL status ( Paid As Agreen Never Late ) according to consumer protection laws. You are in Direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account as an open-end consumer credit plan as late for any purpose.
Company Response:
State: MS
Zip: 39759
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I do not recognize how this account is reporting on my credit report. I don't recognize the account number, I don't recognize the account status, I don't recognize the account high balance, nor do I recognize the late payments associated with it. Everything reported here doesn't meet the FCRA. 15 USC code 1681n civil liability for willful noncompliance 15 USC code 1681o civil liability for negligent noncompliance 15 USC code 1681e compliance procedures
Company Response:
State: MS
Zip: 39759
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A