Date Received: 2023-04-06
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I visited the BJs Club located in the XXXX XXXX XXXX XXXX XXXX, Florida on XX/XX/XXXX. The visit was to renew my BJs Membership with a promotional offer of {$20.00} for a one year membership. The representative offered me a credit card, and I explicitly said I was only interested in renewing my membership and not opening up a credit card account. The following charges have been fraudulently made with this credit card and as an XXXX XXXX XXXX widow I have no knowledge of any of these purchases : XX/XX/XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX CA XXXX XX/XX/XXXX LATE FEE XXXX
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I logged into my Comenity account on XX/XX/XXXX to make a payment. Reviewing my bills, I found 2 charges to XXXX XXXX that Ididnot make. I called customer service to dispute the bill. She said that I had to call XXXX to remove the charge. I called XXXX and they agreed that I did not make the purchase but to dispute my complaint with Comenity. I called Comenity back. They refused to remove the charge. She did make a claim with the dispute team. Being unsatisfied with her refusal to remove the unauthorized charges, my first agreement with the service rep was to have another card issued to me and close the card that was violated. After speaking with her longer, my final decision was to pay the entire balance including the fraudulent charges, close the account and sever ties with Comenity. She assured me that she closed my account and that I had paid all that required fees/ balances. A few days later I get another charge for {$30.00}. I paid it on XX/XX/2023. I called and asked why my account has not been closed. She assured me it was closed. I keep receiving bills on a XXXX balance closed account. I called and spoke to a male service representative who said that he will email a statement indicating my account is closed. He did not. Not only did he not email the statement of my account being closed, everytime he was providing information, the phone suddenly became static. I am writing to get help with closing this account and stopping fraudulent fees. I also want reimbursement for unauthorized charges and fees.
Company Response:
State: OH
Zip: 43035
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Take notice, this letter details a bevy of inaccuracies on my credit report. Be aware that courts have proved that inaccurate payment history scales heavily on a consumers credit worthiness. The following inaccuracies are being furnished in regards to Comenity/Capital/XXXX Account XXXX XXXX , Date opened XX/XX/XXXX currently appearing on my XXXX, XXXX, and XXXX credit report. Missing balance data on : XXXX : XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX Inaccurate late payments on : XXXX : XX/XX/XXXX : XXXX No past due data on : XXXX : XX/XX/XXXX : XXXX Attached are supplemental documents including data from other credit bureaus detailing similar inaccuracies, leading me to believe this company is not taking the proper steps to ensure maximum accuracy of my credit report. If a natural person and/or an organization responds to this letter without remedying the consumer in accordance with the Fair Credit Reporting Act 15 USC 1681 ; you may be sued and face penalties. The remedy I am seeking is deletion of the inaccurate data. A financial institution such as Comenity/Capital/XXXX must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a previous billing statement. I have not received such and I have reason to believe Comenity/CapitalXXXX is in violation of 1681s-2 ( 7 ) ( A ) ( i ) by not meeting this requirement. Pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) financial institutions like Comenity/Capital/XXXX are prohibited from furnishing any information relating to a consumer if they have reasonable cause to believe that the information is incorrect. Notice, it is a fact, upon receipt of this claim Comenity/Capital/XXXX has reasonable cause to believe that the information is correct. Notice, it is a fact, affiant is aware, pursuant to 15 U.S. Code 1681g, I, the consumer have the right to request a full file disclosure about the information within my consumer file which includes the sources of the information used to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, identification of each person that procured my consumer report, including their address and telephone number of the persons, a record of all inquiries received by the agency during the 1 year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer. I am currently requesting a full file disclosure. If any material is concealed from me that would otherwise be revealed in a court proceeding during the process of discovery it will be duly noted.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Convergent Account with Comenity Bank for Woman Within, XXXX, and XXXX XXXX accounts, have violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for this purpose.
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy. 15 usc, 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: My XXXXXXXX XXXX card was cancelled last year as I entered into a debt consolidation plan. I paid off this credit card myself on XX/XX/2022. Out of the blue, they sent me a bill with charges and fees due. I do not owe them anything, I have a XXXX BALANCE, CANCELLED CREDIT CARD that they are trying to bill me for. I do not have the credit card number because all of my cards were cancelled last year, some were paid off by me like this one and others are in a debt program.
Company Response:
State: AL
Zip: 35055
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: This credit card was cancelled last year as I entered into a debt consolidation program. I paid off this credit card on XX/XX/2023, completely. I recently received a bill stating that I owed interest and fees. I have tried to explain the above to this company until my face has turned blue. Please tell them to reverse and cancel all fees and charges, the card had already been cancelled, I have NO CREDIT LIMIT and it was paid off by me in XX/XX/2023.
Company Response:
State: AL
Zip: 35055
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Today, XX/XX/XXXX, as of XXXX XXXX I have received 8 calls already. Call 1 at XXXXXXXX XXXX Call 2 at XXXX XXXX Call 3 at XXXX XXXX Call 4 at XXXX XXXX Call 5 at XXXX XXXX Call 6 at XXXX XXXX Call 7 at XXXXXXXX XXXX Call 8 at XXXXXXXX XXXX
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: We chalked up {$470.00} worth of reward points with Comenity Bank and asked for a cash back for that amount. They then deposited to our account with a credit union {$4.00}. This took place on XX/XX/2023. My wife has made multiple calls and emails to try and correct this error since that date. We have received many different answers on when this was to be corrected. We even asked for a supervisor to talk with and then they hung up on my wife. We feel that after 30 days plus of waiting that this needs to be resolved. Please respond by email or phone as to when this will be corrected. Thank you,
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I've attempted to make online payments for my Ann Taylor credit card for several months and I'm unable to do so : - I've forgotten my password and when I attempt to reset it through the website, I receive an error message " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' -When I attempted to contact the customer service phone number, I was informed that I would be charged {$5.00} to speak with a live representative. I ended the call. - The website offers a way to pay without signing into my account through XXXX where I simply enter my credit card number, my zip code, and my social security number. When I enter this information I receive an error page : This page can not be displayed. We're sorry. This page does not exist or can not be found. Tap or click the " Back '' button to return to the previous page.
Company Response:
State: CO
Zip: 80401
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A