Date Received: 2023-05-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card was opened in my name for XXXX XXXXXXXX XXXX XXXX with Comenity Capital Bank.
Company Response:
State: IL
Zip: 60048
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The balance on the account is not reported as XXXX.
Company Response:
State: TX
Zip: 77584
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XXXX, I received a bill for a XXXX card that I did not open. I immediately called and Comenity Bank opened up an " investigation ''. That investigation took 3 months to complete, they did not call to notify me of a resolution and then they start calling over the weekend to collect payments. I call them today to figure out what is going on because the fraud dept is not open on weekends. The lady says a letter was sent, NOPE. She then says they have been sending bills and that I opened the fraud investigation in XXXX - NOPE! I opened the case on XX/XX/XXXX. I ask if they have a copy of my signature on the application, she states they do but can not share it unless I send a letter. Hmmm.. I wonder why they did not ask me for my signature so they could compare. I was definitely not in XXXX opening a XXXX account on XXXX XXXX. On XX/XX/XXXX, I went grocery shopping at XXXX in XXXX, CA. I have proof of this on my debit card transactions. After that, I was at home creating a video for my friends ' birthday. At XXXX I posted on her FB page from my couch .... I specifically remember creating the video and posting it. Time stamp is on her FB page. XXXX is 60 miles one way from XXXX. The nearest XXXX to XXXX is XXXX ( XXXX ) or XXXX, which is where my parents live so it would make much more sense to go there. No other purchases in XXXX, no lunches, no gas, no NOTHING because I was not there. It's absurd that they did not include me or ask me one single question during this so called " investigation '' and now I'm stuck with a {$1000.00} bill from one shopping excursion in XXXX... yeah, that doesn't seem odd at all. {$1000.00} in cosmetics in ONE single day... I'm lucky if I put lotion most days. So today, I paid the minimum due because I'm extremely concerned about keeping my great credit score. But I will not rest until I get this money back. Seems like an inside job to me... I guess XXXX just allows people to walk in and open fraudulent accounts without any proof of who they actually are. I notified the person I paid with this was only for my credit protection and not because I am accepting any liability here. I also messaged this to Comenity and they have acknowledged.
Company Response:
State: CA
Zip: 95377
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: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I did not open the account and would like to dispute as fraud. My identify seems to have been stolen and used without my knowledge.
Company Response:
State: CA
Zip: 95148
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: 2023-05-21
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: On XX/XX/23 I went into XXXX XXXX in XXXX XXXX XXXX XXXXXXXX CA XXXXXXXX. This company is aware that I'm a XXXX veteran scamming me, and committed fraud. They opened a fraudulent account under a name that is Not mine. Promised to provide me with a proof of authenticity certificate for a ring guard. They promised to provide me with a proof of authenticity ( gold/diamond ) jewelry - it never materialized. I have No proof that said jewelry is real. I reached out to both locations - ring needed sizing. I was instructed that their sister company XXXX XXXX would size and give me proof of authenticity. They ( XXXX ) stated I'd receive proof in the mail. Nothing ever received but the Iddeal Card with a fake last name XXXX. I reached out to both phone numbers phones disconnected, no forwarding phone number. I am constantly getting harassed to pay for a piece of junk that I have No Proof of being real. Also the widening of guard did not last. I have No proof of gold or diamond ring as told to me. I have disputed with the credit card company. I recently received a copy telling me All Sales Final - No Refunds. The letter that I was given " If Any purchase Is Not Satifactory, it will be subject to provider 's refund policy. This company has No integrity and is a fraud. I am seeking assistance ASAP in this matter with this company that has conned me and is harassing me by tarnishing my credit.
Company Response:
State: CA
Zip: 93727
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have had repeated issues with Comenity Bank over my Ann Taylor credit card. I pay my bills through the mail, and have been regularly charged late fees and interest due to the time Comenity takes to process a check. In XXXX I mailed a check to Comenity on XX/XX/XXXX ; it cleared my bank on XX/XX/XXXX and as a result I was charged a {$30.00} late fee as the bill was due XX/XX/XXXX. All other checks I mailed on the same date cleared our bank on XX/XX/XXXX. After complaining to Comenity they waived the fee. The problem is this keeps happening. The same thing happened in XXXX ; the check was mailed XX/XX/XXXX and by XX/XX/XXXX still had not cleared. To avoid another late fee I paid the minimum due on XX/XX/XXXX. As of today, XX/XX/XXXX the check, which paid the bill in full, has still not cleared. Again, every other check I mailed on the same date, cleared our bank in under 10 days. In the meantime, Comenity is charging me interest on my account. My husband has two other credit cards held by Comenity with which he has had the same issues. Again, no other billed we paid by check did not clear in time. I have found Comenity to be extremely difficult to deal with every time I called. I finally got the late fee waived after demanding to speak to a manager. I would greatly appreciate your agency looking into this issue. People can not be punished for paying bills by mail!
Company Response:
State: MA
Zip: 02038
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I HAD AN ACCOUNT WITH XXXX XXXX XXXX THROUGH COMMENITY BANK IN WHICH I MADE ALL MY PAYMENTS AND EVEN EXTRA MOST MONTHS TO PAY IT OFF. I MOVED TO ANOTHER STATE AND RECEIVED A NEW BANKING ACCOUNT WHICH I CALLED COMMENITY AND GAVE THEM THE CORRECT BANK ACCOUNT NUMBER. UNFORTUNATELY THE LAST 4 DIGITS WERE VERY SIMILAR TO THE BANKING ACCOUNT I HAD HAD, HOWEVER A COMPLETELY DIFFERENT BANK. THEY CORRECTLY TOOK IT OUT ONE MONTH AND THEN THE NEXT MONTH THEY TRIED TO TAKE IT OUT OF THE FORMER ACCOUNT WHICH DID NOT HAVE ENOUGH MONEY IN THE ACCOUNT. WHEN I RECEIVED THE NEXT BILLING IT HAD A LATE FEE AND NOTED MY PAYMENT WAS NOT RECEIVED. I CALLED AND ASKED WHY AND FOUND OUT THEY TRIED TO TAKE IT FROM THE OLD ACCOUNT. I THEN PAID THE ENTIRE ACCOUNT OF {$420.00} OFF AND THEN SENT IN THE LATE FEE AND PAID ONLINE A XXXX DOLLAR FEE FOR SPEAKING WITH A REPESENTATIVE. THEY CLAIM THEY DIDNOT GET THE LATE FEE ON TIME AND NOW EVERY MONTH THEY'VE BEEN CHARGING ME A LATE FEE ON THE LATE FEE
Company Response:
State: NC
Zip: 27028
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
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: I have observed that you have listed an alleged debt on my consumer report without any prior communication. I demand that you provide the 1099c for this account. It is unjust to report this account and have it displayed on my consumer report. I have enclosed my complaint letter for your review, and I expect a careful examination of its contents. If this matter is not addressed appropriately, I will pursue legal action against your organization.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: During the pandemic I could not pay my bill because I was struggling and still am I was set up on a hardship program to get the card paid off was told that if I paid from XX/XX/XXXX till XX/XX/XXXX which I did it would take care of the money I owed so I did just that. Then I was told by the representative at Comenity bank that the information I was given by the lady who set me up on the program that I would be done paying after XX/XX/XXXX now they are trying to make me still pay. They told me that they were sorry I was given the wrong information. Their calls are suppose to be recorded for quality assurance so how come the call was not recorded of the conversation I had with the lady that set me up on the program. I have the letter of how many months I was suppose to pay I contacted the XXXX and they are the one 's who told me to contact your location about this issue. I was then contacted again on XX/XX/XXXX the call was recorded and the representative was trying to get me to agree to pay {$20.00} by XX/XX/XXXX I told them no because that's not what I was told in the first place.
Company Response:
State: IA
Zip: 52403
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone stole my credit card then used it fraudulently. I contacted the card user about the fraud. I sent the card issuer an identity theft affidavit & a police report. Cemenity Bank, the card issuer, is refusing to remove the negative information from my credit report thereby violating the fair credit reporting act.
Company Response:
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A