Date Received: 2023-04-17
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: In XX/XX/2022, I made a purchase and was asked if I wanted to upgrade my card to a MasterCard. They actually canceled my current account and opened a new one. When I made the payment in XXXX ( {$290.00} ), it went to the old account. In XXXX, I got a call my bill was not paid. I found out I paid the old account and they would not transfer the money. I was told I would receive a check for the overpaid balance and was asked to repay the same amount to the new account. I did that. I have called month after month and talked with reps and supervisors and still, not check despite promises. 1st check went to the wrong address in XXXX. Since then, no check has been received and they offer no explanation or solution.
Company Response:
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
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: Ladies and Gentlemen. Please be advised. I made a purchase with Jared XXXX in XX/XX/XXXX. Unfortunately, they are financed through Comenity bank. We never received the ring after purchasing, due to some modifications that were required. Because the ring was not ready by the promised date of delivery, we returned the purchase of the ring. However, Comenity bank had already started charging me interest. They initially charged me {$120.00} on XX/XX/XXXX. However, that amount significantly increased to {$500.00} the following month. This is AFTER the ring had been returned and was NOT on our possession. I contacted them NUMEROUS times to advise that we did not have the ring. But they advised that I was still required to pay the {$500.00}, even though the account was closed as well. After paying the total amount of {$500.00}, I was charged another {$8.00} the following month ( XX/XX/XXXX ). I paid that amount in addition to another {$15.00}. To prevent them from charging me an additional fee. The account is still closed on ALL the credit bureaus websites. But they refused to close the account and refund me the {$15.00} overpayment. I want them to refund my {$15.00} and PERMANENTLY close my account!
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was never served nor received any information about debt. Correspondence was sent to and older address I havent lived in over 7 years. Now my employer advised that I am going to have my wage garnished.
Company Response:
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
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: Last summer I made a purchase at New York and Company. The order arrived very late so I ended up returning almost all the items ( some were sale items that couldnt be returned ). I used the prepaid label that they provided for the return, as well. In late XXXX, I reached out because I was still getting a bill on my credit card. They said they received my return but it was at an old warehouse and they changed facilities. He had me confirm, in email, which of the items I sent back and assured me i would receive a check for the return, along with the interest Ive been charged. Ive been reaching out for months for a follow up and to resolve but they will still not send the refund. They just keep saying they are working on it.
Company Response:
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have several store credit cards under the ownership of Comenity and the problem arose on XX/XX/XXXX. My Ulta credit card payment was due and I made the payment on that day ( XX/XX/XXXX ). No sooner than I paid, I received a text to saying to contact Comenity regarding my XXXX card. So I called and at the time, the recording stated my last payment was made i. XXXX along with the amount and that next payment of {$25.00} is due XX/XX/XXXX. So I didnt seek to speak with anyone. They may have sent another email the following Wednesday so again I called the number associated with how I make my phone payments/ same number on back of card and again it was NEVER stated that a payment was missing or late, but what I noticed is that date went from XX/XX/XXXX to XX/XX/XXXX and neither dates had passed ( still has not ). But that day I got a call prior to my mothers home health aid leaving for the day and although Im good at writing down names, I cant recall this guys name nor did I write it down. but he proceeded to advise that i missed a payment and I asked me to confirm the account used for last payment as well as if I wanted to make a payment.. I was going to say yes and then I stated wait, I just paid the bill on the XXXX and he stated its for the XXXX bill not the Ulta that he is trying to get payment for and i stated my payment is not due and also when a payment is late when you call the automation it provides that information. I had not received an email or anything else indicating his facts were accurate and tried to explain that but he wanted to over talk me and just be non customer service friendly so I demanded to speak with someone other than him, I had to request more than 5 times and he stated he would get his supervisor but that never happened. So i called the number on the back of my XXXX card again and ask that my mothers aid listen to it as well and once she competed that i asked if it indicated i had missed a payment and she stated no and proceeded to confirm that XXXX is balance and that is due on XX/XX/XXXX. So I sent feedback to comenity ( have yet to hear from them ) and on XX/XX/XXXX. I missed a call of which may have been automated as a message was left regarding this unresolved issue and so it was again that I called the number on back of XXXX card only for it to indicate my payment is due on XX/XX/XXXX for the amount of the statement {$25.00}. Now due to so much going on with both of my parents having XXXX and me pulling the bill of wait for care, I tend to forget my own business as why I rely on my handwritten information for monthly bills, my reminder in my phone with dates, as well as my email to keep me solid and current with my bills. Now I dont know what kind of books are being kept with my creditor nor am I unsure there is another card somewhere in my name ( due to compromised XXXX wallet was stolen that contained both my small diploma, social security card, and license ( when license used the ss # ) when I was XXXX. I wish for this to be resolved as Im sure im current and dont appreciate these type of tactics.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: There were {$30.00} rewards on my account in XX/XX/XXXX. I went to use my rewards in XX/XX/XXXX. They were gone from my account. I called customer service for an adjustment. They made a {$.00} adjustment. I called back, spoke to a supervisor and was assured it would be on my account on the next billing cycle. It was not, nor was it on any billing cycle. I have been calling them each month with the same script. In XXXX, they managed to get {$10.00} back. Today was my final call to them with them same story.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank continues to display unethical practices. Attached I have two different credit reports. One from XXXX and one from XXXX. Both directly from each credit bureau and both show completely different information. On XXXX they are reporting the account as written off. I advised them I never received a Form 1099-C for the {$600.00} or more of a debt owed to them. Because they know I never received the 1099 from them they have attempted to update the file with sold to another company. I have kept a paper trail and I am more than willing to take this to court. 1099 C forms are supposed to be mailed by XX/XX/XXXX of the following year to recipients. It is now XX/XX/XXXX of the following year. The debt was closed in XXXX of XXXX and written off as a loss per my credit report. Which wasnt even updated until XXXX of XXXX. This could have caused a tax liability on my part. Also there are inconsistencies on reporting with each bureau. Either delete this from my credit or I plan on taking this to court!!! There have been several class action suits towards this company for their deceptive practices.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: A credit card for Bread Cashback Amex has been charging late fees although we paid on time ( we always do ). They claim that they received the payment after the time when the payment was due. This XXXX have been because of the late mail service we all have encountered since the XXXX XXXX has been in charge. We also never receive an account statement from this company. Therefore, we can't make a payment until we call the company because they incorrectly charge us a late fee. We now have called every month since XXXX. Eventually, we cancelled the card on XX/XX/XXXX. We spoke to a customer service agent on XX/XX/XXXX. She said that she has erased the fees. I asked for an email confirmation of that. She said she couldn't do that. This company is trying to fraudulently get late fees from people who may be unsophisticated or don't have the time to deal with this situation.
Company Response:
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
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: My XXXX 's credit card was paid in full from XXXX to XXXX. i logged into my mobile app early XXXX to do some shopping and noticed that there were 2 charges on my credit card that i did NOT complete/authorize. There was 1 for {$400.00} something and another for {$16.00}. I reviewed the transactions and it said it was being delivered to someone i do not know in Virginia ( I believe that was the state ). These were FRAUD charges. I contacted Comenity to dispute these in XXXX, and i spoke to a representative that stated that he resolved the issue, and that the charges would be removed from my account. He instructed me to update my passwords which i did, and i also removed my credit card number from my mobile app. At this time in XXXX, i assumed everything was taken care of, however that was not the case. The representative took care of the {$400.00} charge, but with the {$16.00} charge, decide to only credit {$11.00}, leaving a {$5.00} balance on my account! Why?? Comenity has been contacting me daily and i have explained multiple times, that this is an error on their part, and that those charges were fraud. They have been harrassing me with multiple calls daily, and when i do answer and talk to a representative they argue with me that it was not fraud and that i need to pay it. They are refusing to help me.They are now charging me late fees and interest, so this balance is now at {$50.00} something dollars. Every time i talk to a representative i don't get anywhere! And there have been multiple times i ask for a supervisor and they " transfer '' me only to then disconnect the call. I need this to get resolved because it is affecting my credit.
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I reached out to XXXX XXXX XXXX. for validation of an account. The original creditor is Comenity Bank. According to the records provided, my last payment on the account was dated XX/XX/. The Statement closing date of XX/XX/2019 showed a balance of {$200.00}, however, XXXX XXXX XXXX XXXX. is attempting to collect a total of {$510.00}. Please explain how my balance went from {$200.00} to {$510.00}?
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A