Date Received: 2023-04-13
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: On XX/XX/XXXX of 2023 I made a payment to the credit card for XXXX XXXX 2023 due date. In XXXX of 2023 I went to make my payment for XX/XX/2023 n I was told I didnt make XXXX payment. I informed them that I did make the payment. They told me that I made the payment late. I informed them that I had made the payment 3 weeks in advanced n have never paid late. I was informed it was a revolving credit and that I was late. I informed them that if that was the case I would have been paying late for years. They refused to acknowledge that they are wrong. And now my payment went from {$320.00} to {$640.00} a month.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XXXX XXXX has been calling me for over 5 years regarding a debt that was offered back then to be resolved with debt consolidation. I complained about them last year and now they are calling my ex-husband to leave messages for me. My EX husband!!!!!!! I am beyond furious and they need to stop contacting him or anyone else in my family.
Company Response:
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX XXXX I tried to use my credit card at a local store it was declined which I thought nothing of it because the store frequently had problems with their card machine. I got home and private messaged Comentiy Bank, XXXX XXXX XXXX XXXX, OH XXXX received a reply on XXXX XXXX. I called them to find out what was going on. I was told by the woman I spoke to that I had to speak to their fraud dept. She transferred me to them and the young man I spoke with looked at my account and after a few minutes he discovered the the address on my account had been changed by someone, I never received a notice that this was done to my account, which I always get an e-mail when anything get changed on my profile I received nothing. He corrected it and ordered me a new card. I received a new card Around the XXXX of XXXX. After using it 7 time over the next three weeks on XX/XX/XXXX XXXX month to the day my card was denied again. I came right home logged on to my account and looked at my Profile and saw the my address was again changed to a Florida address I called the fraud dept and Spoke to a young woman that told me someone had called to Comentiy bank and had changed my address and when they could not identify the person they closed my account. I was transferred to a young man by the name of I believe he said was XXXX XXXX was on the phone for over 1 hour with him being put on hold many times and finally told that the account was closed they would not issue me a card and if I wanted my account I would have to re-apply. A few days later I did re-apply. Around the beginning of XXXX I received a letter telling me I had to call this number to finish my placation which I did.Letter enclosed. One of the things they asked me was in XXXX you opened a student load and are currently paying it back which bank was it with. Hearing this made no sense to me because the only Student loads with my name on them were the loans that I co-signed for my sons and they were the one paying them back. So I had responded that It was none of the above banks. If you look at my credit history you would see that I had co-signed for many student loans for my children. About 7 days later I received a letter from Comenity bank saying that I was denied because they could not Identify me. I have had that card for a number of years they have all my information ss number, address which has been the same since XXXX, my house number XXXX, and my Cell number which they text me many times when I have a charge over XXXX. You can see on the attached messages that some of them were many day before I even got some kind of response. On Comenity banks web site the page you can sent secure messages It states that they will respond with in 48 hours. Thank You I hope you can help me. XXXX XXXX XXXX XXXX. address XXXX XXXX XXXX XXXX XXXX. XXXX. Tel # XXXX Cell and Text # XXXX. I hope I included everything that you will need you can reach out to me if you have any question. The XXXX was a XXXX XXXX XXXX XXXX. I have destroyed the card so no one could try to use it.
Company Response:
State: ME
Zip: 04901
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: To Whom It XXXX Concern, On XX/XX/XXXX, I attempted to make a purchase with my Big Lots Credit Card. The credit limit on this card is now {$1200.00}. After having no activity on the card, it was declined, so I immediately called the customer service number on the back of the card and I spoke with a female associate, who asked if she could check my credit, for which I gave consent. She in turn, explained to me that while I have a good payment history, there was a restriction put onto my account because of inactivity. She was putting in for the account to be reviewed and she assured me that I would be able to use the card within 24-48 hours. After 24 hours as instructed, I called again to the customer service number on the back of the card, and I experienced the same issue. This time, however, I spoke with a male associate, named XXXX. He in turn, explained to me that no credit check had been performed by the previous agent, and that with my permission he could review my credit report and remove the block. I gave my consent. During this call, XXXX, too also mentioned that I have a good payment history and he assured me that he was able to successfully remove the block, as well as he advised me that I would be able to use my card the " next day with no worries, I promise '' because the " restriction due to no activity was satisfied and my account was reinstated. '' However, this was not true, because the very next day, I attempted to use the card again, for the third time, and the exact same thing happened again. This time for at least fifteen to thirty minutes, I spoke to another male agent who said verbatim : " Your account is open, it's not closed, XXXX, however, you can not make purchases on it at this time. You do have a very good payment history with us, and your credit limit is {$1200.00}, but we really do not know what has happened. I did read in the notes that the restriction was lifted by the other associate, but we can not go against the credit bureaus. '' So, I asked him what are you talking about? For which he said, " We don't know what is wrong, you need to consult the credit bureaus? So, I asked him which one and what was conveyed because I receive credit alerts as well as my credit score from all three credit bureaus, and there should be no problem as this is an existing account since XXXX. He said, " XXXX, we check all three. '' So, after my phone call ended with this representative, I checked all three, and while I did note some inaccuracies and errors regarding length of time upon all of my accounts as well as some payment discrepancies. For example where payments are inaccurate, missing, or just alleviated all together, or in the case of these card ( I paid more ) than the minimum pay, as well as a lack of my loan information for all three credit bureaus is missing, there wasn't anything else of alarm, as I have an excellent payment history ( Enclosed 3 credit bureaus summaries ). Thereafter, today, XX/XX/XXXX, until I can straighten this all out, I attempted to use my Comenity Mastercard ; yet it was declined. I was baffled, so I made a call to the customer service number on the back of my card, and I was advised that this card too is still open ; however, I am unable to use it for purchases, for which I received no notification whatsoever, and this card is not dormant, as I use it often. Thereby, I am making this complaint, because Comenity Bank /Bread XXXX XXXX has engaged in Unfair Trade Practices in that vital information was omitted from my first call, a deceptive practice occurred in that I was advised by the first representative, who asked for my entire ss # that my credit had to be checked in order for me to gain access to my credit line, which I do not believe is standard practice. Thereafter, I was misled by the second associate, XXXX, who assured me that he removed the restriction, after he had checked my credit for the second time, and I would have, " No worries, you will be able to use your credit card in 24 hours. '' Further, Bread XXXX used a deceptive practice in that it essentially froze two existing credit cards lines without any reasoning. Especially, when I was only inquiring about my dormant card, Big Lots. It was reasonable to assume that after having spoken with the first two agents, who each promised and reassured me that within the time frames given by them ( 24-48 hours ) that I would not only gain access to my credit line, but that I would be able to also use my credit card. It is, however, unreasonable, deceptive, and quite unfair though to be punished for whatever reasoning after having made the inquiry into my Big Lots Credit Card to then have two cards stripped from me ( Big Lots Credit Card and Comenity Mastercard ), and have no alternative recourse, as I remain injured in that my credit was checked twice unnecessarily within mere days of each other, my score lowered from XXXX XXXX, XXXX XXXX, and XXXX XXXX to whatever it is now. Bread XXXX violated the following laws : Truth in Lending Act ( 15 USC 1601 ), with emphasis on 15 USC 1681 ( g ), as well as overall the Equal Credit Opportunity Act ( 15 USC 1691 et seq ), as I was not given any recourse nor any natural remedy. Sincerely,
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
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: Filed a previous complaint back in XXXX, XXXX agreed to process a refund from merchandise that was returned in the amount of {$210.00} and refund of interest in the amount of {$23.00}. Company stated my account was credited a total of {$230.00}. So far I only see a refund of the interest charges of {$23.00} on XXXX. I have not seen a refund of the returned merchandise post as of yet, XX/XX/12. I am now owed another month of interest on the {$210.00} since it has not been credited to my account. Also I would like a breakdown of how the interest rate refund was determined. In the last 8mths since I havent received a refund of the {$210.00} the interest has fluctuated between 27 % & 30 %, at minimum the interest returned should be about {$40.00} since the mthly accrued interest was between {$4.00} - {$5.00} for 8 months. We are now headed into the 9mth without resolution.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Comenity-XXXXXXXX XXXX XXXX credit card was charged from XX/XX/XXXX to XX/XX/XXXX for purchase of " XXXX XXXX XXXX XXXXXXXX XXXX. The first transaction was on XX/XX/XXXX in the amount of {$1.00} than 11 transactions on XX/XX/XXXX with each {$49.00}, five transactions of each {$49.00} on XX/XX/XXXX. One more {$1.00} transaction on XX/XX/XXXX, 6 transactions of each {$49.00} on XX/XX/XXXX, 6 more on XX/XX/XXXX each {$49.00} and 6 more on XX/XX/XXXX each {$49.00}. The total purchase was made in the amount of {$1700.00} without our knowledge. I've not used my this visa card after XX/XX/XXXX. This is not my primary credit card. I've filed complain to the Comenity credit card company and they've filed dispute in XX/XX/XXXX. Now, it is more than 90 days but not heard from the Comenity dispute department. However, I am receiving statement including interest every month which is damaging my credit report. Last week, I've wrote them letter to check status of my complaint. I will be greatly appreciate for any assistance. Thank you for your time.
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a credit card from CB/CAESARS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CB/CAESARS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CB/CAESARS with no successful resolution. XXXX, XXXX, and XXXX reported me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late twice.
Company Response:
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have several cards with Comenity, but my hot topic card recently had the credit limit DECREASED without notice except my alert from the credit bureau!! When I called in today they said it was due to some thing that was reported on my credit report, and my guess it was probably the charge-offs from affirm which I disputed, and they were successfully taken off!! comenity Bank said they mailed me a letter on XX/XX/XXXX which I never received!! my credit score has actually increase since XX/XX/XXXX! And technically this is causing my credit score to decrease!!
Company Response:
State: IA
Zip: 514XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
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: The XXXX XXXX XXXX credit card issued by Comenity Bank is using fraudulent practices. I have been on the phone with them several times trying to resolve the overcharging problem but they refuse to fix it. On XX/XX/XXXX, I bought a XXXX XXXXXXXX XXXX XXXX from XXXX XXXX XXXX. It cost {$490.00}. It was charged to my XXXX XXXX XXXX XXXX credit card managed by Comenity Back. I have direct payment from my checking account so there should have been no problem with the payment going through. For some reason, they are saying it did not go through and charged me an additional {$30.00} plus interest. They show on their website the money was returned, however, it was not. On my bank 's end which is XXXX it shows the charge went through. Comenity Bank then decided to charge me {$530.00} which not wanting my credit to go bad I paid on XX/XX/XXXX. Then they charged my account again on XX/XX/XXXX through automatic payment for {$500.00}. For a {$490.00} item, I have now paid {$490.00}. {$530.00} and {$500.00}. Over {$1000.00} over what was owed!! They finally reimbursed me with a check for {$500.00} at the end of XXXX but not the {$530.00}. Then, they recharged me for the {$500.00} saying they paid me twice which they did not!!! This back and it's fraudulent activity needs to be stopped!!! I do not want my credit going back over a fraudulent back. I have a credit rating of over XXXX and I pay my bills but I will NOT be scammed. Please help me get my money back!!
Company Response:
State: VA
Zip: 22306
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: ON XX/XX/XXXX, I PAID THE FULL BALANCE OF {$180.00} ON MY ZALES CREDIT CARD. I DID NOT HAVE A BALANCE DUE. ON XX/XX/XXXX THERE WAS A SERVICE FEE OF {$3.00} OF WHICH I WAS NOT MADE AWARE OF. I HAD A XXXX BALANCE SO I DID NOT GO BACK INTO MY ZALES ACCOUNT. I DID NOT GET AN EMAIL OR LETTER STATING THAT I HAD A PAYMENT DUE OR ANY OTHER NOTIFICATION. IN XXXX SO I DID NOT MAKE THE PAYMENT ON THE DUE DATE IN XX/XX/XXXX. I GOT CHARGED LATE FEES AND IT WAS PLACE ON MY CREDIT REPORT AS A LATE PAYMENT. I CALLED ZALES AND THEY REMOVED THE LATE FEES BUT STATED I HAD TO PAY THE SERVICE FEE OF {$3.00} WHICH I DID. THIS 30 DAY LATE PAYMENT HAS BEEN PUT ON MY CREDIT REPORT EVEN THOUGH I HAVE NOT HAD XXXX LATE PAYMENT IN YEARS. THEY THEN DROPPED MY AVAILABLE BALANCE FROM {$3500.00} TO {$100.00} WHICH ALSO AFFECTS MY CREDIT. I AM REQUESTING THE LATE PAYMENT OF {$3.00} IS REMOVED FROM MY CREDIT REPORT AND MY CREDIT LIMIT BE RAISED BACK TO {$3500.00}. THIS HAS AFFECTED MY OVERALL CREDIT REPORT SCORE. I HAVE WORKED REALLY HARD TO PAY MY BILLS ON TIME AND I NOW HAVE A MARK ON IT FOR {$3.00} WHICH IF FIND RIDICULIOUS! WHAT AM I PAYING A SERVICE FEE FOR. I HAD A XXXX BALANCE!!
Company Response:
State: TX
Zip: 794XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A