Date Received: 2023-05-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Comenity Bank offered/advertised {$120.00} in promotional Sony Rewards credits upon satisfying the terms after opening their credit card. I opened my card in XXXX of 2022 and satisfied the terms in XXXX of 2022. After having not received any information about the promotional credits, I contacted them in XXXX via electronic message and phone to explain to them the issue, and they stated they had opened a ticket. I contacted them again by phone in XXXX and they were not able to provide me with further information other than sharing that they had escalated the issue. The could not provide me with an estimated date of resolution or when I would receive my promotional credits/rewards. I contacted them again in XXXX and they provided me with no further information. After contacting Sony Rewards, they explained the Comenity Bank had an issue with their system that tracked purchases for the purposes of the promotional credit/rewards and that they were working through it. However, it has been months since I have reached out and I still have no further information. Based on this, I feel as though Comenity Bank used bait and switch tactics by advertising promotional rewards and incentives to open a credit card with them and are now not offering the rewards which they advertised and they seem to be making no good faith efforts to provide said promotions.
Company Response:
State: VA
Zip: 23236
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Repeated ongoing phone call all day and night. I paid the amount, {$360.00} to XXXX XXXX, however the calls and letters did not stop. As a matter of fact I was harassed for not paying this debt that not only paid once but I paid it TWICE and still they insisted they did not receive payment. This satisfied debt is still being reported improperly and incorrectly on my credit report and negatively impacting my credit score and worthiness
Company Response:
State: NY
Zip: 11010
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid my XXXX credit card balance {$250.00} in full XX/XX/XXXX which was prior to the statement due date. Then on XX/XX/XXXX finance charges and even a late fee were added to my account to which I owed nothing! Then again in XXXX and XXXX, XXXX and XXXX late fees and finance charges were added. I was out of state and was unaware they were charging me. So, when I got a notice that my credit report was showing this over 90 days delinquent I contacted them and alerted them that this information was not correct! The XXXX I talked to said she could see the mistake and would remove the bogus charges. I called XXXX other times and again was reassured this would be taken care of and taken off my credit report. The charges were eventually removed but instead of taking this off my credit report they put a note on it that my account was now in good standing! Which is was all the time! So, now it looks like I finally paid my bill which is not the truth. Please help me!!!
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX added me to an account, with a full payment history I never had knowledge of. I have only had " one account '' with this company which comes directly to my home in XXXX XXXX. I & got a full history from an address I have not lived in, in over 12 years.
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
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: I opened a dispute on a credit account that appears reported on my XXXX, & XXXX credit report. The dispute has not been resolved yet. The account is from COMENITY BANK/ EXPRESS . The report shows that it was opened on XX/XX/2019, and it has a balance of $ XXXX dont recognize this account on my report. This account is not mine and I never spent that amount of money. I never opened a bank account with Comenity bank. The only bank accounts that I have opened is from XXXX XXXX XXXX. I dont know why it shows up in my credit report. I realized the existence of this bank account in my report this year when I when to XXXX XXXX XXXX asking for a loan credit for a car. I kindly request to investigate and remove this account from my accounts. It is affecting my credit report.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On or around XX/XX/2023, XXXX XXXX XXXX informed me that I could cover the out-of-pocket expense by applying for a loan. I was told that if approved, I would be able to delay payment for up to 24 months without any consequences. I applied to see if I would be approved and to know the maximum loan amount. After I applied, XXXX XXXX XXXX informed me that I was approved for the maximum amount of {$2200.00}. I asked for details about the loan conditions and how the funds would be distributed to me. XXXX XXXX XXXX informed me that XXXX would send me paperwork that explains everything. I was waiting for paperwork to understand the conditions of the loan. On or around XX/XX/2023, I received a credit card from XXXX. Around the same time, I received a bill that stated {$2200.00} was given to XXXX XXXX XXXX around the same day that I applied for the loan. The bill stated that I owed {$77.00} by XX/XX/2023. I had no knowledge and I never authorized XXXX XXXX XXXX to charge XXXX. I never received any documents from XXXX or XXXX XXXX XXXX about the conditions of the loan or credit card. XXXX XXXX XXXX never informed me that if approved for the loan, the funds would be distributed to them directly without any written authorization from me. Nor did I have an opportunity to cancel the loan after the initial application. On or around XX/XX/2023, I received a call from Collections for Comenity Bank for the XXXX account stating that I owed {$150.00} for past due payment and late fees. I explained that I didnt authorize XXXX XXXX XXXX XXXX charge the dental service. And, since the dental work was not performed, I requested the charged amount be removed and the account closed. Collections informed me to contact the merchant to close the account. When I contacted XXXX XXXX XXXX and informed them that they charged XXXX without my authorization and provided me misinformation about the loan, XXXX XXXX XXXX stated that cancellation of the credit would result in XXXX XXXX XXXX to retain 50 % of the deposit per their policy which means that they would keep {$1000.00}. When I informed XXXX XXXX XXXX that I wasnt cancelling the dental treatment but the method that I was paying the out-of-pocket expenses. XXXX XXXX XXXX insist that cancelling XXXX was also cancelling the dental services. After I informed XXXX XXXX XXXX that they were committing fraud because they charged XXXX without my authorization, XXXX XXXX offered to send me {$1000.00} to pay towards XXXX reducing my debt to XXXX to {$1200.00}. And, they would keep {$1000.00} as a credit for out-of-pocket expenses for future dental work. This is unacceptable. Additionally, Im extremely concern with the practices of XXXX XXXX XXXX and affiliated lenders because the XXXX XXXX XXXX clients are primarily people of XXXX who may not understand their consumer rights or be well versed in financial literacy.
Company Response:
State: CA
Zip: 94541
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: 2023-05-08
Issue: Getting the loan
Subissue:
Consumer Complaint: I went to a local location of XXXX XXXX to get an estimate about a dental procedure that would cost several thousand dollars. They offered me the financing option to open a XXXX XXXX credit account. I did not want to select the financing option, but before I knew it, I received a letter informing me that an account with a credit limit of XXXX had been opened with XXXX XXXX in my name. When I called XXXX XXXX and visited the location in person, their office XXXX, XXXX, said their computers were down. I checked back two or three times over the course of two weeks, and their systems had still yet to be repaired. I also called XXXX XXXX, and they said that they need to investigate. However, if I did not make the minimum payment, then I would be subject to late fees and interest payments.
Company Response:
State: OH
Zip: 43119
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: We obtained an NFL credit card years ago to allow us to finance our season ticket purchases for six months with no interest, along with earning rewards for those purchases that can be used as statement credits. In the spring of XXXX, the issuing bank for the card changed from XXXX to Comenity. The same benefits were advertised, both on the card website and on correspondence we received when the new card was issued - 6 month, 0 % financing on purchases over {$250.00}, and 3 % rewards on NFL purchases. We have had a very difficult time getting the bank to follow through with giving us those benefits. XX/XX/XXXX - {$730.00} purchase of XXXX XXXX season tickets. Should have qualified for 3 % reward as an official NFL purchase, but only 1 % given ( XXXX points instead of XXXX ). Should have qualified for six months, 0 % interest, but treated as a regular purchase. XX/XX/XXXX - {$730.00} purchase of XXXX XXXX season tickets. Once again given 1 % reward instead of 3 % ( XXXX points instead of XXXX ) and not given promotional plan. XX/XX/XXXX - after numerous messages and phone calls, purchases were put on 6 month promotional plan and interest charges were reversed. However, rewards were still not corrected. We filed a dispute about these rewards around XX/XX/XXXX, which has still not been resolved despite the company 's statement that it would take " up to 90 days. '' XX/XX/XXXX - {$850.00} purchase of XXXX XXXX season tickets. Given 2 % reward instead of 3 % ( XXXX points instead of XXXX ). Once again, not put on promotional plan is it should be. I sent messages through the card 's website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, made phone calls on multiple dates and sent a letter through the mail on XX/XX/XXXX, but can't get the company to resolve this relatively simple issue.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2023 Dear, XXXX, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : Comenity Bank/Victorias Secret Amount : {$32.00} I am disputing this claim due to : My payment was never late and this false information is damaging my credit. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. Sincerely, XXXX XXXX
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A