Date Received: 2023-05-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am being charged the {$180.00} that were refunded to me for fraudulent late fees on my account. I called and they said they were going to dispute it supposedly. So now I have a payment due the XXXX, which I am not paying. I was never sent any notice in regards to me having to pay this amount other than the email I received 3 days ago, which I find absolutely absurd when the due date is in 8 days. I dont even know WHY Im being charged the {$180.00}.
Company Response:
State: CA
Zip: 92870
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I bought items on sale and on clearance was never told promotional items, added XXXXXXXX XXXX back on card. I made complaints. They sent me a letter that had a false statement on it. Told me that I was late and it was the reason for adding the XXXXXXXX XXXX XXXX but I was not late ; instead it was an early payment. After being caught being misleading with the reason for adding extra money then they tell it was mistake it was promotional items that was bought and I told them I did ot buy any promotional items, items I bought from zales were on sale and on clearance never promotional, card told me it was too late too take off extra money that I had sixty days to make complaints.I made complaints when I got the bill online, the very next month, never went past there days to make complaints. So they hung up on me, when I asked to speak to higher ups after the third complaint.My complaint is against Comenity.net/zales. Which represents Zales until you have a complaint, then they are separate entities then.
Company Response:
State: NC
Zip: 28348
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My issue is with Comenity Capital Bank Visa Card. Comenity took over XXXX XXXX credit card services from XXXX XXXX XXXX in XXXX of 2022. There have been several issues that I will try to summarize below : 1. Failure to timely and accurately deliver the new Visa cards. 2. System issues where they could not auto withdraw from my checking account. 3. The biggest issue is they denied approval of some of my charges because of previous charge amounts and/or the size of the purchase. EVEN THOUGH I HAVE ALWAYS BEEN BELOW MY CREDIT LIMIT MAXIMUM. This almost resulted in me losing my reservation on a cruise and our deposit for the cruise. I have never been advised or communicated of any security protocols on the card on when they will allow charges or deny charges even with my authorization. And there customer service areas and supervisors have no way of overriding their system to allow a charge that I want and approve to be processed. I have no way of knowing when they will accept a charge or deny a charge even though I am within my credit limits. They should not be able to pick and choose which charges they accept or deny if I am within my credit limits. I understand that for security reasons there might be certain protocols but they need to communicate what they are ( and there supervisors were not able to do that for me ), have a mechanism of reaching out to me to see if I approve them, and have the ability to override the system so that the charge is just denied even though I am within my contractual agreement with them. I also saw that there might be a pending class action suit against Comenity for this type of performance, as well as these issues filed with the XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX has been calling me excessively. I told them months ago to stop calling as much, they continue. On XX/XX/23, they called 4 times from a blocked number. On XX/XX/23, they called 3 times. Today ( XX/XX/23 ), they called 8 times.
Company Response:
State: NH
Zip: 035XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please Note : I received a message an account already existed for me, but this is the first time I used my new email to file a complaint with CFPB ; more proof of Identity Theft! On or around XX/XX/XXXX I was denied credit because of fraud & /or identity theft getting reported by XXXX lowering my credit score. I lived in XXXX, XXXX for over a year so it is impossible that the information is accurate, especially because all my imported USA property was stolen abroad & upon my repwiatriation in XXXX. This is blatant retaliation discrimination ( as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, notice the date this occurred was XXXXXXXX XXXX XXXX & the TX XXXX is getting XXXX most from XXXX which even XXXX XXXX legally are protesting have it end & President Biden is discussing it with the President of XXXX ) which I have attempted to dispute with all my credit bureaus in the past directly and that is more trouble than it is worth ( waste of time & money ), so I'm filing a complaint with your organization. Comenity Bank used my XXXX credit report to justify denying me continuance of credit with my Victoria 's Secret Credit Card. The following information was given as reasons, but all of it is inaccurate : " Lack of real estate secured loan information Balances on accounts too high compared to credit limits and loan amounts Too few accounts paid as agreed Not enough balance paid down on installment accounts '' Concisely, to prove the inaccuracy of this information I do not have a house nor any loans in my name at this time that would effect my credit ( the student loans I have are deferred or deferrable ). My Victoria 's Secret credit card is the only account I had & I paid it off as agreed & had a {$700.00} limit with a XXXX balance. I filed a separate complaint on Comenity Bank. Additionally, all my USA property that I imported to XXXX, XXXX where I had lived from XX/XX/XXXX, well over a year was stolen and all my luggage when I repatriated XX/XX/XXXX, further proving identity theft & fraud/online scammers. I know the loans weren't done in person because none of the loans would have been approved & the irony is if I had applied I would have been denied, therefore, I don't know how the loans & credit was issued. I would sue those responsible, but they never give me their names & this complaint is to stop their use of my credit which I didn't utilize abroad in XXXX nor have I upon my repatriation, except to continue using my VS credit card that prior I had to report as stolen. In closing all of the XXXX listed loans & credit cards adversely effecting my credit score belong to someone other than me.
Company Response:
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid of my credit card in full on XX/XX/2022. I paid {$2900.00}. The due date was XX/XX/2022. My balance was brought to {$0.00}. My credit report also indicated that my balance was at {$0.00}. On my XXXX statement Comenity stated that I still owed money which was not true. Comenity misquoted the amount I paid. Comenity used my XXXX 's ( the previous month 's ) payment as my XXXX 's payment which was {$130.00}. They completely ignored my final payment on my bill. This amount was carried into my XXXX statement as a balance and attracted interest rates which should not have happened. Comenity issues its statements on the XXXX of each month online and creates a due date of the XXXX of that month. Therefore my XX/XX/XXXX payment should have been reflected on my XXXX statement but it skipped an entire month creating an additional interest fee to be paid in error. I was unaware of this additional fee as I got confirmation from my bank, Comenity and my credit report that my debt was fully paid. In XXXX I still owed Comenity {$10.00} in interest for a balance that was cleared two months prior. Comenity then wrongfully reported me as one month delinquent. By this time I owed {$43.00}. I disputed this with both Comenity and XXXX. During their investigations I still paid the bad faith fee so as to avoid any more issues with my credit report. The matter was resolved. My credit report was restored. When I paid the bad faith fee of {$43.00} Comenity returned the payment but then charged me a fee to return the money. When I called Comenity they said I had insufficient funds. I explained this couldn't be as I got a confirmation number that the payment went through and my balance was updated to {$0.00} everywhere. I was unaware of this return as the issue was still being investigated. The return fee then went into late payment and I then paid even more interest on that fee. The total amount came up to {$80.00}. Comenity then charged my credit card with the {$80.00} owed racking up even more fees and interest as this was now considered a purchase on the credit card. I disputed the mistake again and Comenity has not removed the error from my credit report. All three of my credit reports have different information. My Experian credit report says I was never late and my debt to Comenity is {$0.00} but XXXX and XXXX have reported that I am 2 months late and that I still owe Comenity money. Comenity has caused my credit score to drop from XXXX to XXXX alleging I was late on fees when in reality I had no fees to pay. I have also lost out on an opportunity to be approved for a mortgage since my credit score has dropped so significantly. I was pre approved for a student loan for school but my affected credit score will impact the amount I'll be eligible to receive. Comenity has been ignoring all my efforts to have this rectified. It is a simple correction.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I recently signed into my XXXX credit card account and noticed an offer for a credit line increase. Although in the fine print it stated they may need to access my credit report when considering the request, nowhere did it mention they would be conducting a hard pull that could impact my credit score. I was not required to check a box agreeing to the terms and conditions ( which I mistakenly assumed was because my request only required a soft pull that would not impact my credit ). As a consumer, I expect more transparency in these types of requests, especially when the outcome can affect future applications for credit and/or other financial offerings.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, Comenity Bank/LNBRYANT and XXXX XXXX XXXX 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 without 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 purpose.
Company Response:
State: TX
Zip: 78728
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023, I received an email from my cable provider ( XXXX ), that my automatic payment to XXXX XXXX XXXX XXXX XXXX XXXX ( issued by Comenity Bank, bread financial ) had failed. On XX/XX/2023, I called the XXXX XXXX XXXX XXXX XXXX customer service number. I learned that my card was canceled due to suspicious activity, and that I would be receiving a new card with an explanation in the mail. On XX/XX/2023, I received the new card, but there was no explanation. Again, I called the XXXX customer service number, to ask why my card was cancelled, and also to inquire about receiving a payment for my points. I was then told that my points had been redeemed on XX/XX/2023, and that the suspicious activity involved a change of email address on my account, and that theyd make a note of the missing points ( {$23.00} ) and a supervisor would call me in 10-15 business days. Then, on XX/XX/2023, I received a letter from my cable provider that I was being charged a {$25.00} returned payment fee. I again called XXXX XXXX XXXX XXXX customer service and asked if they would cover my late payment fee. I got a very rude customer service representative, who told me they would not cover the fee, because the fee was on their card. Obviously, when I received the automatic payment failure notice from the cable company, I immediately paid my bill with another credit card, because it was due and I did not want to incur late charges. Unbeknownst to me, my XXXX XXXX XXXX XXXX was cancelled approximately a week earlier, and I was without their card until I received the new one approximately XXXX weeks, later. On XX/XX/2023, I again called XXXX XXXX XXXX XXXX customer service to inquire whether they would cover my XXXX cable {$25.00} late fee, and they said No Do banks not have cyber security insurance? I use a credit card for protection. In addition, I still have not heard back from a manager on the missing rewards points on this card. I posted on my XXXX page, and XXXX of my friends said she also had this XXXX XXXX, and she also found out it was canceled when it got declined while trying to purchase gasoline. It sounds as if Comenity had a widespread hacking ( theft of rewards points ) issue, and cancelled and replaced a large number of XXXX XXXX XXXX XXXX XXXX, without notifying the card holders. However, they are not covering cost incurred by the card holders for transactions failures due to the sudden cancellation of the cards.
Company Response:
State: OK
Zip: 74135
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After reviewing my consumer report, I discovered erroneous account information indicating late payment that is not associated with me. I did not authorize the reporting of this information on my credit record, and it is negatively impacting my life.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A