Date Received: 2023-04-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Ann Taylor Master Card administered by Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account hacked and closed in XXXX. However, company used this account to renew a magazine subscription ( without my consent on a closed account ) and sent me a bill for {$20.00}. I sent a check for this amount. In the meantime, I had replaced this account with a new one. XXXX XXXX XXXX XXXX XXXX XXXX Comenity used the check for an payment on the new account. This happened again and I called many times to try and correct the mix-up. No one I ever talked to could find the old account number listed first above when I called. I wrote a letter to Comenity to explain all this and they closed the second account also listed above. So once again I tried to pay off this account which by now is accuring late fees and interest. In XXXX, XXXX I sent a check for {$220.00} to pay off the first closed account. ( the second account was paid off with a XXXX balance ). The company put that check amount towards the second closed account which how has a CREDIT balance of {$230.00}!! And I received another bill on the first closed account which is now showing an owed amount over {$300.00}. I receive a bill every month with new interest and late payments. Surely, credit card companies keep track of closed accounts and have access to that information. And they have not returned the {$230.00} that is credited to a closed account.
Company Response:
State: MI
Zip: 48843
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Checking my Free Annual Credit Report with XXXX I found a XXXXComenity Bank Credit Card opened on my report that I had not opened and was fraudulently in my name. I disputed the report on XXXX and Sent a letter to Comentity Bank. However XXXX did not fix the problem after the dispute.
Company Response:
State: FL
Zip: 32503
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX ( Bank ) XX/XX/XXXX COMENITYBANK/WAYFAIR XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$77.00} Balance updated XXXX XXXX, XXXX So these three accounts should not be on my inquiries because either old accounts and also I dont recognize XXXX XXXX XXXX XXXX I dont recognize and also XXXX. These are unknown accounts. I need this off of my credit report because theyre not my accounts and unknown please.
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I noticed my account was recently closed with no explanation. I Make all my payments on time and been a valued customer for years.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had an active Victoria Secret account ( with a store credit card ) that my wife was using to purchase goods at their store, until recently. She always made her payments on time, and at her local Victoria Secret store in the XXXX area or via phone. However, strangely, we received invoices of this credit card ( two previous times as well ) some kind of late fees on the account even though the balances were always paid in full, or at least well above the minimum required payment. Yet, after explaining to them why they erroneously charged us the last XXXX times ( where they helped reverse the fees, but ONLY if we agreed to keep the line open ) they did it AGAIN just about 2 weeks ago. After several attempts to try to deal with the " late fees '', and trying to reach their customer service, they have infuriated me beyond belief. I am a terminally ill XXXX patient and I have no money nor time to keep going after them for their mistakes and, what feels like, financial abuse. They kept charging the late fees on a fully - or almost ENTIRELY - paid credit card, alleging that we incurred some kind of separate fees of {$2.00} ( on my statements ) and that they would then proceed to charge late fees of an additional $ XX/XX/33 as well because of these unbeknownst and aforementioned separate fees of {$2.00} - whatever they were. I am sick and tired of the back and forth and want an immediate resolution.
Company Response:
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have a low balance credit card which I have let fall past due for up to 30 days on a couple of occasions. The company begins auto-dialing my phone at 6 days past due, up to 12 times during my work hours, everyday. When I answer the calls they hang up. I have twice now spoken to supervisors who blame an auto-dialing system and today the supervisor blamed me and said I wasn't the first and won't be the last person they do it too. That seems worth reporting.
Company Response:
State: OH
Zip: 44203
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Regarding Comenity - XXXXXXXX XXXX XXXX My previous balance was {$780.00}. I used online banking to send a check for {$780.00} which my bank verified posted XX/XX/23. It was not credited to my account. Comenity says I have a one time option to wave the late fee, but refuse to remove the interest on the balance due even though I paid in full. If I dispute it with my bank, it will be 10 business days to return the money to my account. At which point, if I send a new check, it will be late for the next billing cycle. Remember, I can only have ONE late fee removed, thus, they will get the fee one way or another. I really have no accurate way to determine how to pay the next month in full to avoid interest. I was able to scrape together a partial payment of {$190.00} and sent it on XX/XX/23 with bank estimating arrival on XX/XX/23. However, Im showing {$46.00} interest and {$30.00} late fee which is what I am disputing. Needless to say, I will be cutting up this card and closing this account as soon as I can get this resolved.
Company Response:
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
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: Since my original complaint that was filed against Commenity for a XXXX credit card, they have NOT resolved the issue. What has happened : XXXX. Lowered my credit limit XXXX. Closed account 3.Not contacted me in writing as to these changes I feel this is retaliatory and has hurt my credit score by almost 100 points.
Company Response:
State: MI
Zip: 48192
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone opened 2 credit card accounts at comenity bank with my info name number ssn and address and they charged a total of XXXX grand in a state I never have ever been but when the bank tried to investigate it they didnt show fraud since it was opened using my info and the bank wont remove the fraud charges and want me to pay it, It accused on XX/XX/22 or so And I filed a police report and the detective said I shouldnt have to pay the fraud charges and attached is the reference number for the police report
Company Response:
State: ND
Zip: 58554
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
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: XX/XX/23 : received email from Avenue.com that my return was received and refund would be credited to my Avenue credit card ( Comenity Bank ) within 5-7 days. date unsure, but before XX/XX/23 : contacted Avenue.com because my refund was not showing on my CC statement and was directed to Comenity customer service XX/XX/23 : sent secure message through Comenity site that my refund was not showing on the card. Included this information : Refund initiation date : XXXX XXXX Reference Number : XXXX Order number : XXXX Grand Total {$120.00} XX/XX/23 : secure message reply received on Comenity site that XXXX XXXX would submit dispute on my behalf XX/XX/23 : received letter via USPS mail that Comenity could not verify a return made on my account despite providing them with reference details. I sent secure message via Comenity site asking for an email address to send copy of return receipt. Could not upload any files through the site as there was a " system error '' ( which is still happening today, XX/XX/23 ). XX/XX/23 : placed phone call to Comenity and the automated system does not allow you to speak to anyone about disputes or even select that option. Spoke to someone in a different department and they referred me back to Avenue.com. XX/XX/23 : received reply via secure message with instructions of how to upload attachments -- which doesn't work due to the system error. Also told there is no email address and I have to mail in my evidence. XX/XX/23 : spoke with Avenue.com customer service rep XXXX via chat. She confirmed that there is a return on my Avenue account and asked for my credit card statement to prove it didn't get credited to my CC account. Sent evidence via email. XXXX said she would escalate my issue and contact me via email with a response, within 3-5 days. XX/XX/23 : No update received as of yet, even though it's been more than 5 days. Spoke with Avenue.com customer service rep XXXX who was able to see my previous chat history. XXXX explained that my issue had been escalated and that the team is in XXXX, so that's why there is a delay in how long they take to respond. That makes no sense.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A