Date Received: 2023-05-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Dear CFPB, Last fall, I successfully applied for a XXXX XXXX credit card and purchased a pair of XXXX blue jeans. The cost of the blue jeans was {$95.00}, and I paid off the entire balance by personal check on XXXX XXXX, XXXX. However, Comenity Bank has continued to charge me $ XXXX in interest on a {$0.00} balance. According to the my most recent statement, I currently owe Comenity Bank {$250.00}. I have attached a number of screenshots from the Comenity Bank website as documentation as well as a screenshot of my Bank XXXX XXXX statement, revealing that Comenity Bank cashed my check for {$95.00} on XXXX XXXX, XXXX How is it possible that I owe Comenity Bank and XXXX {$250.00} on a {$95.00} purchase that was paid off XXXX months ago? My complaint is that Comenity Bank and XXXX are engaging in deceptive and predatory credit card/lending practices for the sole purpose of defrauding their customers. I refuse to pay junk fees and non-existent interest on {$0.00} to Bread XXXX, Comenity Bank, and/or J.Crew. Bread XXXX, Comenity Bank and XXXX are engaged in a scam to bilk customers out of their hard-earned money. Thus, any assistance the CFPB could provide would be greatly appreciated. Feel free to contact me directly if you have any questions. My cell # ( XXXX ) XXXX. Sincerely, XXXX XXXX XXXX
Company Response:
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I asked the company to close my account after paying the illegally charged {$33.00} on the last statement and now I have another statement that just came in on what is supposed to be an already closed account. The company said they would yet Im still being charged interest on a CLOSED account. Next step : seeking legal counsel and pursuing appropriate authorities as this has now become flagrant and obvious manipulation. This is my final complaint towards this PIECE OF XXXX COMPANY.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/23 I had given permission for Comenity bank to debit XXXX from my checking to pay off my credit card account. The payment due date was XX/XX/23 and I paid the entire balance in full according to my paper statement ( XXXX ) on XX/XX/23. Comenity than had some issue with their system and only debited XXXX from my bank ( not the scheduled XXXX I paid ) This created a late fee that extended even though the account was effectively paid off. Comenity tried to charge me XXXX dollars for an original total card balance of XXXX. That is just not acceptable! I never received a notification or mailed statement ( I never signed up for email only statements ) saying that the account was ever past due or that they had an issue processing the regular payment of XXXX. Being that this was my last payment to pay the card off in full I did not expect another payment to be made at any point and only found this issue after two months had passed with a text message from them saying to call regarding my Comenity account. I have tried to fix this with them but was forced to pay double what was originally owed ( after spending 3 hours with them on the phone and being hung up on 4 times ) because they refused to fix the issue due to a clerical error processing my original payment of XXXX I've dealt with many creditors and I've never had a misprocessed payment before. I've also never dealt with a creditor that refused to fix or refund all fees incurred in situations very similar to this one. In my best opinion Commenity Bank does not act in good faith to the consumer and I personally will never hold another account with them again.
Company Response:
State: IL
Zip: 600XX
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: 2023-05-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Account was under dispute, Comentity Bank still charged late fees, even though the credit card agreement states no late fees will be charged while account is under dispute
Company Response:
State: IL
Zip: 60656
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: As of XX/XX/XXXX, my XXXX XXXX card was switched from XXXX XXXX XXXX to Comenity Capital Bank. I called XXXX on about XX/XX/XXXX. I was told that {$680.00}. XXXX in rewards were about to expire and they sent me a check. Not certain of the date of the phone call but I received the check in the mail, and it was deposited in my account on XX/XX/XXXX. I was told that I had to more checks that would be mailed to me after the switch to Comenity Capital Bank is completed. They gave me the amounts of {$580.00} and {$480.00}. I called on XX/XX/XXXX, because I never received the checks. I needed to then file a dispute. I called again on XX/XX/XXXX, and was told it could take up to 90 days to be resolved. I called again on XX/XX/XXXX, and again on XX/XX/XXXX. I was told that it could take a long time because XXXX XXXX XXXX should have sent me those rewards before the switch took place and not Comenity Capital Bank Before the switch took place, I received a letter stating that nothing would change with my card including rewards. I want what was promised when applied for this credit card, I want my rewards.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Received a flier in the mail to receive {$10.00} when you make five purchases with my Comenity credit card. I made five purchases within the time frame specified and I did not receive the {$10.00} bonus. The company was not helpful when I sent messages to resolve it.
Company Response:
State: MO
Zip: 64114
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been receiving 10-15 spam and verified phone calls per week on my landline from Comenity Bank claiming I owe money, either to XXXX XXXX or other debtors. I have blocked over 20 phone numbers from my landline provider ( XXXX ), reported these harassing calls on the National Do Not Call Registry, repeatedly told these scammers to stop calling, and reported these calls to my state 's AG office. The only debt I have is a mortgage and 2 credit cards that are paid in full monthly. These calls started 3 months ago -- XXXX of 2023 to present ; today I've received 3.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XX/XX/XXXX I paid the full balance of my credit card {$170.00}. Therefore, I should not had anymore bills and just forgot about the credit card because I should not have any balances. XX/XX/XXXX while cleaning my emails I see an email from Comenity stating I had a past due. I called XXXX and they told that the payment was received after XXXX, and that is why I was charged a late fee and interest charge. The CSR spoke to her supervisor and said they will clear up the balance. To check back in 48 hours. But that never happened. XX/XX/XXXX I submitted a dispute. And I was advised that it would take 90 days to resolve the dispute, and I would be advised of the resolution in a mailed letter. To this date XX/XX/XXXX I have not received anything. I have called and send messages to Comenity trying to resolve the dispute and all I get is I will hear from them in 30 days. As of today, they have reduced my credit limit from {$5400.00} to {$750.00}. They have reported to the credit bureaus my account as past due and late for 5 months and affected my credit score. Even though I was advised when I asked about submitting a dispute that none of that would happen. As of today, Comenity claims I owe them {$190.00}. Also, please note that no where on their statement states that payment must be done before XXXX of any Time. I have attached all the messages, statements, and a spreadsheet detailing the above mentioned.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to 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 that A consumer reporting agency can not furnish an account without my written instructions. Under 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: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I receive a notification on my credit report of a new credit card open under my name I immediately contact the company and told them that I didnt authorize for the credit card to be open and that is fraud they ask me a few personal information and they couldnt find anything they also ask me for my social security number and I told them that I wasnt going to release that information I immediately did a dispute through XXXX , also I have a notification from my one of my credit card that my email was compromise on that Dark Web Im having also other issues someone open a checking account online through XXXX XXXX XXXX XXXX immediate contact the bank and spoke to someone in the Fraud department they close the account immediately, and still having some issues because they try to open a checking account again, I want to issue XXXX XXXX resolved Im a victim of a Fraud.
Company Response:
State: NJ
Zip: 08205
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A