Date Received: 2023-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I keep getting calls from Comenity bank, but I do not have any outstanding debts with comenity bank, or any missed payments. They call from multiple numbers including No Caller ID numbers, maybe 20-30 times a day.
Company Response:
State: NY
Zip: 11356
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I never received a product or bill statements. Spoke with company and they started they would look into it i sent over all information i have to prove i never received the product, they told me they would place my account on hold and give me a follow up call or mail/email. A week later i started getting calls from a collections agency and also a voicemail stating if i didnt call back they had no other choice but to escalate the situation and also brought up and attorney Im guessing to scare me that i would be sued. I called them and they advised the company denied my request to look into my missing product. I am paying for a product i never received and i am still getting calls!
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: with reference to complaint no XXXX, i have made a complaint on comenity capital bank regarding the wrong debt that was collected from me. The company responded on XX/XX/2023 saying that the applied monetary relief of {$190.00} against my account number. But this statement is wrong. I had to pay an amount of {$240.00} approximately to clear the balance as it is hurting my credit score. I made the balance XXXX by paying my own money and also requested the bank to close the account. I was informed couple of times that the account was closed. I am not sure how Comenity can apply a relief to a closed account? I think the bank is not committed to resolve the issue and making false statements. I would want them to send me a check for {$240.00} i paid and also offer me a compensation of {$5000.00} for all the trauma they have caused for wrongly effecting my credit score for about XXXX months now and making false statements on applying credit to a closed account.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account was removed from my credit reports less than 2 weeks ago due after my disputes and police report sent to the company due to it fraudulently being open in my name. The responsible party is listed on the police report. I see today on XXXX that it been added back to my credit report and I got no notification! I noticed myself when looking on XXXX XXXX. Remove this immediately! Thank You!
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are several recent credit inquiries within the time that my driver 's license was stolen. I have been a victim of identity theft and ever since 2022 I have had credit inquiries that were not initiated by myself. I had an issue with a high number of credit inquiries on my credit report that I have never completed.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I submitted an application for a BJ 's credit card. I didn't receive the credit card. I called BJ 's informing them I haven't received the card therefore paid membership directly at store XXXX XXXX XXXX PA. I received a call XXXX 2023 from Commenty Bank issuer of BJs credit card informing me I would be placed into collections due to unpaid charges on BJs credit card. I informed Commenty Bank 's representative that I've never received a BJ credit card and that I had informed BJs of this. Commenty suggested I contact BJs which I did on XX/XX/ 2023. I filed a complaint with BJ 's Customer Care. Once their investigation was completed, BJs issued two {$55.00} credits totaling {$110.00} to the credit card. Although Commenty received the credits, the credit card interest rate on the two erroneous charges were not reversed. Instead Commenty Bank sold the outstanding interest charges was sold to XXXX XXXX XXXX ( debt collector ). I'm at my wits end on how to deal with Commenty Bank especially after I informed them I had not received BJs credit card and BJs reversing the membership fees charged to this card. I thank you in advance for any and all assistance you can provided.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Hi, Today I applied for a XXXXXXXX XXXX XXXX that advertised I was pre-approved and would be able to use a temporary card the same day with 25 % off my purchase. When I applied I could not use the temporary card that was issued. I called XXXX who told me to call Comenity Capital Bank. I called the bank today and they did not have any idea of what I was referring to, no one could help me as no one at the company had access to the temporary credit card that they themselves advertised. If you XXXX this issue youll see that this false advertising has been occurring for some years now. The bank has told me that I have to wait for my physical card. If I knew I had to wait until my physical card came in then I would have never applied. This is false advertising by definition. They knowingly falsely advertise the promise of using a temporary card instantly which is what hooks people in to apply.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have tried several times to make arrangements for the XXXX XXXX credit card to be paid off. I lost my job and income during pandemic, had insurance for the card, but they lied and declined my request. I set up automatic draft and they continued fees and interest, I changed the draft date so no late fees would be charged from my unemployment check deposit. They continued to charge interest. I tried again to close account with no more interest per a promotional program. They lied. No proof of phone call. They show my auto drafts each month, but refuse to cancel my card, which I have not used since before pandemic. They lie constantly.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: At first, I had a payment to make but was unaware that credit cards were not an acceptable payment method. I notified the credit card company about the issue, and they promised to send a letter regarding the matter. However, I did not receive any correspondence, so I contacted them again. This led to a second investigation, which took two months to resolve. During this time, late fees and interest were added to the balance owed. Eventually, I paid the full amount, which was initially $ XXXX, but due to the additional charges, it amounted to $ XXXX by the due date of XX/XX/2023. After paying the balance on XX/XX/2023, I requested that they close my account, which they did successfully. However, I was surprised to receive bills again, including interest and late fees that I can not identify. I have already paid the entire balance, and these new charges feel like harassment. Despite paying everything on time, I continue to receive bills with increasing amounts every month.
Company Response:
State: PA
Zip: 15236
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Good afternoon, My name is XXXX XXXX. I received a letter from Comenity Bank regarding my account closure due to inactivity. I received the letter on XX/XX/, the letter was dated for XX/XX/. I called the company on XX/XX/XXXX to request the account not be closed. I was told that the account was already closed on XX/XX/ and there was nothing that I could do. Once I prompted again, I was told I would have to have my credit pulled again as well as be required to make a purchase on the card for the card to be reactivated. I was told the account was not closed, but it was listed as inactive and there was nothing I could do to reactivate the account outside of another hard credit bureau pull, as well as a purchase on the account. I requested to form a complaint, and was told I was unable to do so with the agent on the phone. In addition, I was given a number to corporate which led me to the same office I had previously spoken to. I was told to file a credit bureau dispute, and I must send a written letter, and I would hear back at a later date. I feel this is unfair and deceptive. I was not made aware of the account closure or given time to prevent it. It is also unfair that I would be forced to have a hard inquiry on my credit file. I feel that I have been additionally harmed by being forced to make a purchase that I do not want. In addition, this will impact my credit score being that this account has been open for quite a while and will directly impact my length of credit history. Thank you for your help and the great work you do for all of the consumers out there! XXXX -Last four of account number - XXXX -Phone number associated with the account - XXXX - Name in account- XXXX XXXX
Company Response:
State: DE
Zip: 19810
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A