Date Received: 2024-01-21
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/XXXX, I received a text from the store XXXX inviting me to complete my credit card application. As I had not applied for a credit card with them, I proceeded to check with XXXX and saw that I had a hard inquiry on my report from XXXX with Comenity Bank. I also received an email on XX/XX/XXXX asking me how my store experience was and that is how I saw that the store was located in Arizona however I live in Florida and was not in Arizona on that date. From the survey email I received it seems the store this occurred at is : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX I then called Commenity Bank and they confirmed that a charge of {$450.00} had been placed on this new credit card that I did not open. I have disputed this transaction with them. I also contacted XXXX to remove the hard inquiry and place an alert on my file to prevent any additional fraudulent activities. Later on XX/XX/XXXX, I received an email from my Sephora credit card account stating that my payment was due. I did not have any recollection of using this card recently ( I did have a Sephora account previously opened, but the card was not being used ). I logged in and realized that on XX/XX/XXXX, someone also used my existing Sephora credit card to purchase {$870.00} worth of merchandise in a store in Arizona as well. I did not make this transaction and was in Florida at that time. My Sephora card is also operated by Commenity Bank. From what I can see on my Sephora account it seems that this transaction occurred at this address : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX Since I was traveling for the holidays internationally, I could not call the bank to dispute the transaction until XX/XX/XXXX but the dispute for this transaction was submitted on that day. To my knowledge, there has not been any additional fraudulent transaction. I reported both charges as fraudulent to Comenity bank and disputed the XXXX charge and the Sephora charge. I have just learn through my dispute with XXXX to remove it from my credit report that my sephora dispute was denied by the bank and I was not provided any information as to why even though the charge was made in a different state that I live in and I can prove from other charges on my various card and most likely different means that I was never in Arizona at that time and I live in florida. I am submitting this complaint specifically regarding the XXXX card purchase as I submitted a separate complaint for the XXXX charge since the XXXX credit card was an account opened without my consent or knowledge however the Sephora card was an account I had already opened a few years ago but the charge made on it however is fraudulent, therefore i am submitting a complaint for the Sephora dispute separately. Please help me to reach out to Comenity Bank and get them to remove this charge as it is not mine and I never made this Sephora purchase in Arizona. Thank you.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: It's been going for years. Something about 3-2 years and daily. They even call me on holidays and Sundays. There are other numbers too that I believe is related to them.
Company Response:
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened a XXXX XXXX Credit card in XXXX. XXXX XXXX I made my payment prior to the due date. They then tried taking out the funds on an auto billing. The funds were not there because I had already paid them. They then charged me a return fee. I kept the card into XXXX even tho I had so many issues. In XXXX of XXXX I paid off the card. The amount showed that I owed {$210.00}. That is what I paid. After paying it off Camenity Bank closed out the account. I called them and asked why and never got an answer but it was paid off so a reasonable person could not be concerned. Fast forward to XXXX and it is showing on my credit report that I have an outstanding balance of {$230.00} and that is was XXXX XXXX I did not understand this so I contacted XXXX XXXX comenity bank. They stated that they had no information and that the account was sold to XXXX XXXX. I contacted XXXX and was able to get the statements. Its shows that I paid off the XXXX ( see statement ). They charged me {$2.00} interest. Even tho it was paid off the XXXX XXXX. They doubled that fee every song XXXX before selling it to XXXX. I had paperless billing so I never received a bill. The account was closed by the lender so I didnt even have access to an online portal. It just stated account closed. So essentially VS/ comenity bank not only should not have given ne an interest charge because it had a {$0.00} balance they grew that {$2.00} to {$230.00} to sell it. Even though I brought this to XXXX XXXX attention and they can see what comenity bank had done the XXXX refused to let it go. Now VS/ comenity bank is showing a negative mark on my credit.
Company Response:
State: IN
Zip: 475XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS ACCOUNT IS FRAUD. I SENT LETTERS TO THE BUEARUS XX/XX/23AND A FEW TIMES BEFORE THAT.
Company Response:
State: AL
Zip: 36301
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states it's illegal to report transaction history. Title 12 Also states anything dealing with a securities is an automatic XXXX XXXX XXXX.
Company Response:
State: NJ
Zip: 08016
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was written off by years ago company received credit for debt and sold it to another company.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Around XX/XX/XXXX of this year, I applied and was approved for a Caesars Rewards Visa credit card. My card never arrived. When I called initially, I was told Caesars Palace could print the card on-site. That was untrue, and Caesars Palace staff confirmed that when I arrived on-site. When I called to complain, the credit card company said they can expedite shipping so it would arrive in 1-2 days instead of the usual 7-10 days. That was also untrue. It's been well beyond the 10 days, and I still don't have the card.
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company reported a late payment on my credit report and i wasn't 90days past due i have always kept up with payments and ive tried to speak with them on this matter and the results where not successful.
Company Response:
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Since XX/XX/XXXX, I have escalation regarding the late payments made by account assure pro a subsidiary owned by community bank that my XXXX payments are not being made on time or of made at all. I have called weekly since XX/XX/XXXX and was told I would receive a call between XXXX business days But as of XX/XX/XXXX, I have not received that escalation phone call as promised. Since XXXX payments are not being posted on time or they are not being posted at all. I am paying for a service that is not providing payments as promised per their agreement and contract. Since XX/XX/XXXX I have called every single week to account assure pro and they assure me the payment will post and I will receive a call within 2 days or less. That call never comes through. I have called 2 times ore. once in XXXX and once in XX/XX/XXXX. A woman with a Spanish accent answered the phone refuses to let me talk and tells me they are not handling my account while giving me the phone number XXXX XXXX which is the number i call her at and she refuses to let me speak to a supervisor. on XX/XX/XXXX, after again denying me to speak to a supervisor, she gave me her name XXXX. This person is refusing me service on a benefit that i am currently paying and have payed on for years. On XX/XX/XXXX after i had to call back to speak to another representative because " XXXX '' refused to transfer me or do her job. I spoke with XXXX, the same representative that I spoke with on XX/XX/XXXX. She informed me again the payment would be posted soon. I told her it was almost a month and the payment has not posted. I requested to speak with a supervisor but the supervisor I have spoken to previously has been " busy '' these last few calls and I can not get to her. No one knows why my payments aren't getting posted and no matter how many times I call, I get told I will receive acal from a supervisor or an analyst but no one calls me. XXXX informed me on XX/XX/XXXX that a supervisor would contact me by the name of XXXX or XXXX and as of this filing, v no one has called me. I have givn my work number and instructed to leave av voicemail but no one is calling me. These services are not free and while I am paying for them, my payments aren't being made on time if made at all. I currently have a new claim pending and am afraid my bill won't getr paid per the service agreement. This Account XXXX XXXX has been nothing but problematic. No one calls me back, no one answers escalation and no one knows anything that is happening.
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: Comenity Bank has continued to contact me after I told 2 representatives that I obtained an attorney for Bankruptcy. I provided the name of the attorney and where the attorney was located. The 2nd representative even laughed at me during the call. They continue to call me in a manner that violates the FDCPA. I have screen shots of back to back phone calls. I also have saved voice-mails of where they have duplicated leaving voice-mails on the same phone number more than once a day which is also a violation of the FDCPA. All of these issues above are clear violations and they should be notified of such. I did not dodge them, I told them I was filing bankruptcy and the attorney information I had at the time. I have stopped answering there calls because at this moment there is nothing else to say. The first call I informed them of the BK filing was on a call where they called me at work and I also requested they no longer called my workplace which as of now they have not. I decided to go ahead and file this complaint because today from XXXX to XXXX I have received 4 phone calls from them all from the same number. They left one voice-mail today so far but I have two voice-mail messages from them on XX/XX/16 and have saved them from past days where they were again duplicated. They need to stop and contact my attorney as all regulations tell them to do in the first place. I am one of thousands if not millions of customers they have so how many people are they doing this to every day?
Company Response:
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A