Date Received: 2023-04-11
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: This is regarding a purchase I made with XXXX in XX/XX/XXXX for living room furniture for my new home. The sofa was sold for {$2600.00}, and a console table was {$1300.00}. This was paid using deferred interest 245 months. I could not pay all by XX/XX/XXXX, and XXXX charged me {$3300.00} in interest on checking my bill. I called them, and the customer service representative told me that because the invoice was not paid in full by XX/XX/XXXX, the sale price I received for items purchased was retracted, and the total cost was applied. I told her that did not make any sense. I asked to speak with a manager/supervisor, but she said I would be told the same thing and hung up on me. Since opening the account, my payment was made on time, and all charges I made before XX/XX/XXXX were never applied to my balance. This does not make sense, and the interest/ balance applied to my account is excessive. I have contacted the company, and they are saying this is justified. My monthly payments are not being applied to the outstanding invoices, and all payments made in the last 24 months have yet to be applied to the balance. The balance owed is what should be charged interest. What happened to the money I paid in the previous 24 months??? The company took the money and did not apply it to the outstanding balance.
Company Response:
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My account with Comenity Bank/Mastercard was restricted on XXXX XXXX. I was unable to make any purchases since then. I was never sent a letter of adverse action within the 45 day time frame and my card was restricted without notice. Since then I have been reaching out to Comenity/Mastercard which has directly lied in stating that they have mailed me regarding my account ( although I am paperless and it has shown on my account that only statements have been submitted to me ), then stated that due to an outstanding request to increase my credit card limit I can't use my Mastercard. I never made a request outstanding. Then that the three credit card reporting bureaus reported that there was a significant change to my account. I have reached out to the three bureaus and pulled my reports. All my credit cards and accounts are in excellent standing and always paid on time. Recently I had a bankruptcy from ten years ago fall off my account and medical bills also fall off due to change in federal law. All of which still doesn't explain why my account is restricted. I'm more upset at the failure of notice and the fact that a reason hasn't been given. They also increased my APR without notice.
Company Response:
State: TX
Zip: 78006
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Community Bank/VCTRSSEC {$220.00} XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$510.00} XXXX XXXX {$120.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX, XXXX {$630.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$810.00} In accordance with the Fair Credit Report Act. This creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can nit furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 61822
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
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: I have had an issue with having a payment credited to my Big Lot's/Comenity credit card account. My credit union changed their bill pay system and my original info for paying the bill was lost. I paid Comenity but mistakenly did not include my account number. The check from my account was cashed but I was never credited the payment. Comenity sent me late notices, I responded with the evidence that the check was cashed and I was not credited. This happened in XXXX 2023. I am attaching the correspondence. I disputed with XXXX and XXXX responded that Comenity was correct. I did have a late payment for XXXX as this dispute was going on and I did not realize that I still owed approximately {$30.00}. I just paid that amount {$30.00} ) through my credit union and am waiting for Comenity to cash that check. Comenity reported me late the original amount that I am disputing ( {$200.00} ) and I think for the months of XXXX 2023.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
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 issue started in XXXX when i made a payment towards my BILLED balance of XXXX i made a payment towards my account which consisted of one promotional purchase that expires XXXX this would have left the remaining balance at XXXX the company applied my purchase toward a unbilled transaction. i called to allocate this payment and a few other payments above my minimum due as per the terms of the account. this would have paid my promotion off by XXXX XXXX the company has not allocated the payments per my request. they are now denying my allocations and attempting to fraudulently charge my account the interest of this promotion. they have also deleted records of my conversations. this needs to be corrected i will not pay what i do not owe. also as seen n the statement they have allocated funds AWAY from my promotion increasing the balance.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX Cardmember Service issued a balance transfer check to my account at Comenity Bank in the amount of {$340.00}. The check was cashed on XX/XX/XXXX by Comenity. When I checked my Comenity Bank credit card account on XX/XX/XXXX to see if the payment was posted it had not been posted yet. I contacted Comenity and they said they never received it. So, on XX/XX/XXXX I made on online payment of {$340.00} to pay my balance so I wouldn't get any fees. The payment was made directly from my checking account. I then contacted Cardmember Services and they mailed me a letter with a copy of the front and bank of the cashed transfer check which showed Comentiy cashed the check on XX/XX/XXXX. I mailed a letter and a copy of the front and back of the check to Comenity. By XX/XX/XXXX the cash transfer check payment was still not posted to my account. I contacted Comenity in XX/XX/XXXX and they said they received the copy of the cashed check and it should take about 6 weeks to post to my account. XX/XX/XXXX the payment was still not posted, I called XXXX they said they see the information and told me the payment was pending but they didn't know why it should be posted on my account within 2 weeks. Again, XX/XX/XXXX came still not posted, called Comentiy, was told they were very sorry it should be posted on my account within 72 hours. XX/XX/XXXX came still not posted, contacted Comentiy again they didn't know why it wasn't posted they will work on it. As of XX/XX/XXXX it still has not been posted online. Comentiy tells me all my calls and the letter show on my account record, but the payment never gets posted even though they say it will be posted.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2002, a payment was made in error to XXXX XXXX that should have been made to Comenity Bank. XXXX had recently sold my credit card account to Comenity. Comenity uses Bread Financial to process electronic transactions. XXXX XXXX XXXX XXXX 's mobile bill pay the funds left my checking account and was received by XXXX. I reached out to XXXX who advised such a transaction would be forwarded to the trailing institution. Nobody knows where the funds have gone. XXXX & XXXX has provided proof that the funds left my checking account, XXXX claims to have provided proof Bread financial last had it. Comenity claims to never have received it. It appears Bread Financial lost the funds. This has been investigated by the above companies and XXXX Bill Pay for almost a year. Meanwhile I lose {$4500.00} and countless hours of frustration.
Company Response:
State: MD
Zip: 21804
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I applied and was granted a credit card via Comenity Bank for Kay Jeweler. The next day, XX/XX/XXXX, we spent about one hour shopping in the store for the perfect rings. To seal the deal the rings were 60 percent off. We were elated. However, my joy was quickly deflated when the salesman checking me out informed me that my account had been suspended by the account protection team. Having a credit score of over 800, I thought he was joking. The salesman informed me further information would be sent to me as they wanted to ensure it wasnt a fraud issue. Imagine my embarrassment! As instructed via communication sent to my home address, I reluctantly emailed copies of XXXX ) front and back of my driver license ; XXXX ) front and back of my social security card ; and XXXX ) a copy of my Consumers Energy bill on XX/XX/XXXX. I was reluctant to send the information as I was instructed to email this SENSITIVE DATA unsecured. Having complied with the communication, I was totally shocked when I received a final communication stating Following a review of your KAY JEWELERS credit card account and related transaction. Comenity Bank has permanently closed your credit account due to continued security concerns involving this account. I complied with what was requested of me so I called the Account Protection Team for an explanation as to why after I have supplied all the necessary information to prove/confirm I am who I say I am WHY was my account closed. The representative stated that he could not go into details he would only share that the documentation didnt meet the banks standards. Meanwhile, this transaction has been registered on all the credit bureaus and is causing a major NEGATIVE impact on my credit score and credit history. Furthermore, I was a cardholder for over 15 years on a different account with Comenity Bank for XXXX. I maintained excellent credit with the old account for XXXX.
Company Response:
State: MI
Zip: 48842
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
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: I placed two orders with the clothing store New York & Company ( order dates XX/XX/, XX/XX/XXXX ) using their New York & Company RunwayRewards Credit Card by Comenity Bank. I returned those orders within a day of receiving them but have yet to receive a refund. As shown in the provided XXXX tracking numbers, NY & CO has received all returned items. Despite confirming receipt of all returned items, NY & CO has failed to provide a refund or an explanation of why a refund has not been issued in over 30 days. I started requesting a status of my refunds on XX/XX/. During a telephone conversation with NY & CO customer service, they indicated that a deduction of {$9.00} is applicable to my refund amounts. On Tuesday, XX/XX/, I contacted Comenity Bank ( Bread Financial ) to file a dispute regarding these transactions since the store failed to provide a refund after receiving the returned merchandise. Their representative refused to file a dispute for these transactions stating that I could not file a dispute because the merchant was known to me, and because I authorized the charges. She also stated that I would continue to incur finance charges against my balance. I explained to the representative that despite authorizing the charges, I was disputing those amounts because the merchant had received their merchandise and failed to provide a refund. This bank still refused to initiate disputes for these transactions. On XX/XX/, I received an interest charge on my statement for these purchases. At this point, this bank is making money off of purchases that should no longer be on my account, as well as refusing to file a dispute on my behalf. It seems unscrupulous for a financial institution to refuse to dispute transactions for valid reasons while also charging interest for said transactions.
Company Response:
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: While I was XXXX and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between
Company Response:
State: NY
Zip: 14845
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A