Date Received: 2023-04-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The problem with this credit card that reporting is I do not use it very often had the card since XXXX and paid bills on time never had an issue once charge a late fee due to no fault minds and was credited back here now opened card back up and use it again as of XX/XX/XXXX the first payment was due on XX/XX/XXXX which wasn't aware of due date until search account on XXXX reason it paid late I didn't realize the due date and pay it on XXXX afterwords I was charge XXXX late fee now again here it is XX/XX/XXXX, now making another payment which is due on XXXX Due to honest mistake not utilizing the card often and having multiple monthly bills thinking this bill due on XXXX of the month now they charging another late fee for being one day late I contact the company explains honest mistake they refuse to at least credit back XXXX of the late fees charged or both also change the due date to later day to avoid this happening again within two months been charge the twice late fee-paying unnecessary out pocket expense of XXXX the company management refuse to honor resolution something should been done as loyal customer of there service or granted grace periold before late fee charge requesting support to remove the late fees charge on this account and refund back into my balance
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
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: Two charge adjustments have been added on my account. These charges were disputed back in XX/XX/XXXX with XXXX XXXX XXXX XXXX card ( now taken over by Comenity Bank ) and credited back to my account at that time. I never made these purchases ( nor had my wife ) and dont understand how these charges were put back on my account after so much time without even an explanation. I spoke to a Comenity representative by phone on XX/XX/XXXX and gave my information regarding the charges. I also canceled both my cards at that time. I have also notified XXXX about these erroneous charges as well and was told that they will alert the other agencies.. Charge amounts were & XXXX and {$330.00} both dated XXXX. Started dispute with XXXX XXXX XXXX at that time. Dispute was noted on my next statement, XX/XX/XXXX. Never heard another word from XXXX XXXX XXXXXXXX nor Comenity until my XX/XX/XXXX statment. Just charging me! No mention of the dispute outcome, name of scammer, nothing! Very unhappy with the way XXXX XXXX XXXX handled the change over. I just received a letter from Comenity today claiming they had sent the incorrect reward information on this change over - after they advertised at the time that the rewards were higher than XXXX XXXX XXXX! Also, Comenity will not pay out my rewards earned on the card and XXXX XXXX XXXX never disclosed that I would need to claim them by a certain date.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, my online XXXX XXXX account was compromised and someone made a purchase for {$600.00}. The item was picked up via curbside according to the XXXX XXXX website. I immediately contacted Comenity Bank. Today, XX/XX/XXXX, I noticed a chargeback to my account on XX/XX/XXXX for this transaction. I called Comenity and they said I was liable. I dont know how that could be, my phone was stolen.
Company Response:
State: MO
Zip: 65810
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am XXXX XXXX XXXX XXXX XXXX I have received three credit card statements from a company I do not belong to. The company name is XXXX credit. First one received XXXX XXXX. Next one was XXXX XXXX. Lastly, today 's date in the mail for XXXX XXXX. I feel my voice not being heard and nothing is being done. I called the company, XXXX but they had no passion or concern to help even with proof that it is not me. I need this of my credit report because it is unfair and unjust. The statements I see belong to an account ending with XXXX. I own nothing under this account ending. I complain but still get statements in the mail to this date.
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello, I've received numerous, unsolicited phone calls from Comenity Bank ( all over {$190.00} that is past due - even though I've made monthly payments recently ) I have blocked the phone numbers - after speaking with someone who was very rude... Please help! I XXXX them! Thank you XXXX
Company Response:
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I got an alert from XXXX on XX/XX/2023 that I opened a new credit account for XXXX dollars in the name of Comenity capital bank/ my smile and this affects my credit and credit score, never apply for this card. That credit card has never arrived at my house and I have never requested it, it is fraud, they used my social security to process that credit.
Company Response:
State: IA
Zip: 51501
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 a 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 late for and purpose.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My problem is with Comenity Bank and/or with their debt collection practices. I had an XXXX Credit Card with XXXX XXXX XXXX. Late XXXX, Comenity Bank apparently took over the closed account or they took over debt collection for a closed account. But the situation was very unclear and suspicious and appeared fraudulent, because I never had an XXXX Credit Card with Comenity Bank, as they had portrayed. They refer to this account as " XXXX XXXX XXXX ''. The situation looked fraudulent to me, because it seems like some suspicious phishing scheme that does not know how to spell " community ''. Nonetheless, I followed the instructions and paid them the requested amount of {$150.00} on XX/XX/XXXX, following their website instructions. Documentation attached or available from my XXXX account. Comenity deposited the check for {$150.00} on XX/XX/XXXX. Documentation attached or available from my XXXX account. During this time, I also disputed this incident and the negative remarks with the Credit Reporting bureaus, like XXXX, XXXX, etc. Also, it seems like a {$150.00} amount was credited to another Comenity Card that I have with " XXXX XXXX ''. So my thinking had been that perhaps, as part of the closure of the issue with the credit score disputes, they credited the check to " XXXX XXXX '', after closing out the Debt at " XXXX Credit Card '', previously with XXXX XXXX XXXX. On XX/XX/XXXX, Comenity sent me a Refund Check of {$150.00}. I have done nothing with this check, as it seems like a " scheme '' to draw me back into debt collection and " late fees '', if I were to deposit it. On XX/XX/XXXX, the daily calls and emails from Comenity Bank resumed regarding " XXXX Credit Card ''. My concern is that I am in an endless loop of debt collection with this company, for which they will charge " late fees '' and degrade my credit score. I followed their instructions, paid {$150.00}, which they received and deposited. My desired outcome of this complaint is that Comenity Bank should properly account for the check that I had previously sent them, and/or otherwise, close the case of this debt. They should no longer contact me regarding this debt. Additionally, they should please close my other account with them. I want no relationship and no contact with Comenity Bank, as they seem phishy, disreputable in the handling of this matter, and they have aggressive daily phone calls, when I have previously request " stop contact ' and only communicate with me via certified mail. ( Documentation attached and/or available. ) Thank you.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: 10+ years ago, I opened an NFL Extra Points branded credit card with the very reputable XXXXXXXX XXXX XXXX Initially, I used the card much more frequently, but in recent years I rarely make use of it. Annually, there was a single small recurring charge - I assumed it to be an annual fee. Upon opening the account, I established automatic bill payment, so it was always immediately paid off. Sometime in XXXX, this particular portfolio of cards was purchased, unbeknownst to me, by Comenity Bank. One annoying trait of XXXX was their propensity to send me wholly unsolicited, repeated mailers containing enticements to take advantage of their convenience check/balance transfer offerings. The frequency with which I would receive these letters, in tandem with the decade-long stasis produced by the automatic payment system, meant that I increasingly normalized delayed reading/reviews of any mail received for this card. On XX/XX/XXXX, I received a suspect voicemail from a XXXX XXXX phone number I did not recognize. The voicemail informed me that they would like me to return their call regarding some undisclosed item of business. Living in an age of constant phishing scams, I resisted immediately returning the call and instead made a note to look at any mail I'd received from the company that might give credence to the call. A week or so later, I opened a letter and saw that there was a, purportedly overdue, outstanding balance. I immediately called to find out what was happening. When I called in, I was sent to their collections division. The woman answering the call was extremely rude. I eventually was able to find out that the credit line had been sold to Comenity and that a small recurring subscription fee- under {$90.00} - had been charged to the account. When I questioned why it wasn't simply paid automatically, the woman - again - became very rude with me. My response - given the frustration and surprise of the situation- was to respond with a similar level of rudenessher response was to literally scream at me and then hang up. I tried to call back on two separate occasions in order to address the situation. Each time, identical responses- grievously rude collections employee, escalation as I attempted to make a payment, and disconnected calls. Because this is a new bank that was forced upon me, there was no ability for me to use online facilities. I finally was able to find a way to pay using a debit card and an absurdly complicated telephone payment system. Before I was able to find a way to pay this statement, the disreputable representative employees of this company : - Charged me {$120.00} in fees- Reported my account as delinquent - causing my credit score to tumble by over 100 points to the low 700s - Reduced my account limit by ~ $ XXXX - ensuring further damage to my credit score This was clearly retaliatory behavior by an out-of-control collections department allowed by this company to run amok and specifically intended to cause me grievous personal harm. Additionally, Ive informed every customer service representative that Ive spoken to after the first phone call, at the onset of the conversation, that I wish to speak to a manager and close the account. They refuse to do either and then disconnect. I have no way of closing this account with a seemingly dishonest company that I did not choose to do business with.
Company Response:
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: We have an account with the Comenity Card Company. There is only one transaction every month that is a recurring {$9.00} for XXXX XXXX. The statement date is the XXXX of every month and is due on the XXXX. The payment of {$9.00} goes out on the XXXX of every month and is cleared electronically by the XXXX or XXXX. Prior to the due date There was an issue in XXXX where they were having issues processing the amount paid every month that was charging late fees and interest. It was cleared up until XXXX. Spoke with a XXXX about the late fees and interest charged. He agreed with what was said and reversed all the late fees and interest charges to bring the balance to {$0.00}. I asked if there was anything owed for the next billing cycle in XXXX and the answer was " No ''. So, I only owe the {$9.00}? XXXX confirmed the answer was yes. Come time for XXXX, the bill came in around {$10.00} or so ( can not remember the correct amount ). Could not call and deal as my wife was having medical issues. So, got the new statement for XXXX and shows Late fees of {$40.00} plus interest and says we ow {$46.00}. I spoke with XXXX from Comenity on XX/XX/XXXX around XXXX XXXX XXXX and understood the issue, but needed a supervisor to assist with the confirmation of the fees. I got on with XXXX and explained the situation and he said that the fees are accurate and nothing can be done. They lied to me on the call. I should not have to pay the price for the mismanagement. Since the daily interest was running, we would owe that amount. I said, you have been receiving the {$9.00} payment every month on time, they made the mistake last month but kept the interest running. Then to charge late fees on top of that. He could not even tell me how much it would be if I paid out of account. based on when it would be received. To me, this is thievery from a company. I have worked with many companies and never have this issue with ANY of them. They are taking {$40.00} more money from me than I should have to pay. What can be done?
Company Response:
State: MO
Zip: 63141
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A