Date Received: 2023-03-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XXXX of XXXX, XXXX XXXX opened up a XXXX Rewards Credit Card with XXXX XXXX with out my permission. I have reached out to both XXXX and XXXX XXXX and have not received any help from either of them.
Company Response:
State: NY
Zip: 12550
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I told them that I would have the account paid off, and that I wanted my account closed. I did not want to get the card in the first place. But while I was purchasing a camper at XXXX XXXX in XXXX XXXX SD, they made it seem as though I could not make purchases without having a XXXX XXXX XXXX from Comenity Capital Bank. I made purchases with the card, but they treat it like a bill, instead of letting the debt roll over to the following month, they call me about 8 times a day and hang up every time I answer. And they shut down the card, so you can not use the card unless you pay the minimum payment. I was called 8 times on XX/XX/XXXX, I was called 7 times on XX/XX/XXXX. I was texted as well on the XXXX, so that makes 8 attempts to contact me. Today, XX/XX/XXXX, I was called once every hour, when I answered they would hang up. I finally got an answer from an XXXX XXXX named XXXX, I told her that they are harassing me, and that I wanted my account closed. She kept interrupting to tell me that I could pay the bill. I told her like I told the first person who called, that I will have the debt paid off on the XXXX and that I wanted my account closed with them. They use " This will damage your credit if you close the account '' as if that justifies them to be the way they are and ignoring my request to close the account. I do not see an easy way to close my account on their website Comenity.net. Which is now breadfinancial I guess. The company seems very shady.
Company Response:
State: WY
Zip: 827XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The company is Comenity Bank represented for Victorias Secret. The representative used abusive language and tones and threatened myself if I did not return the call ASAP.
Company Response:
State: CA
Zip: 95831
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX XXXX I took out a loan for {$4000.00} with Comenity BankXXXX XXXX XXXX with a credit limit of {$11000.00}. I had deferred payments until XX/XX/XXXX. XXXX XXXX Comenity Bank called me stating I had a late payment and it was going to be taken to collections. I told them that I had deferred payment until XXXX. XX/XX/XXXX XXXX I made a payment of {$1000.00}. It was received. Due to Comenity wanting to call collections on me just after a few weeks I decided I wanted to pay off the loan as fast as possible to get them off my back. I had no penalties for early payment. This month I got my first paper statement from Comenity and realized that my billing period was from the XXXX of each month. The due date for payments was the XXXX and the closing date was the XXXX. XX/XX/XXXX XXXX I made another payment of {$900.00}. Instead Comenity took {$1800.00} from my bank account. I had to call them to refund me {$900.00}. Which they did. XX/XX/XXXX XXXX I made another payment for {$200.00}. I did not get a paper statement for this billing period. I knew from my first statement my bills were due on the XXXX. XX/XX/XXXX XXXX I made a payment of {$200.00}. XX/XX/XXXX I made my final payment of {$2900.00}. The due date was XX/XX/XXXX and the closing date of the bill was XX/XX/XXXX. Again I never got a paper statement from Comenity so I checked XXXX who reported my balance with Comenity as {$0.00}. Between XX/XX/XXXX to XX/XX/XXXX I checked my account daily to make sure I didn't have a balance. On XX/XX/XXXX XXXX I got a notifcation from XXXX that I had a missed payment from Comenity of {$43.00}. When I tired to call customer service to find out why I had that fee they couldn't access my account as I didn't have my account number. My account number had been XXXX out on my statement, The agent told me go online and I can be able to see what the late fee is. When I logged in online, I saw Comenity charged me an interest on XX/XX/XXXX with a due date of XX/XX/XXXX. I also saw that the bank enrolled me in paper less statements which I never agreed to. There was no way for me to even be made aware of this " fee ''. I paid the fee on XX/XX/XXXX, online through their portal the due date was on XX/XX/XXXX and I was given a confirmation number that my payment was successful. My online account was updated and my balance went to {$0.00}. I also called an agent to make sure the payment went through and I was reassured it was. I asked if that would be my last payment they confirmed it was. I then disputed the late fee with Comenity who took it off my credit report. On XX/XX/XXXX, I got a call from Comenity on a Sunday on a no caller ID saying I didnt make the payment and I was now being charged {$80.00} in late fees and interest fees. They said they would be taking m to collections. When I asked how my payment could be late I paid three weeks in advance they told me I had insufficient funds. I told them that wasn't true as my account was updated to {$0.00}. They insisted that I didnt hve enough money. When I logged into my online portal I saw the payment was actually successful and Comenity instead of accepting the payment returned the payment to me. Comenity then charged me a return fee for {$21.00} which I didnt know about and it went pass due resulting in the current {$80.00} I have to pay. I paid the {$80.00} and called customer service to find out if it went through they told me yes. I asked if that will be the last payment they said no that I have a {$2.00} interest fee to pay in XXXX. I said why the interest has already been charged in the current statement. They said the interest is for the {$80.00} balance owed from the due date to the date paid so interest accrued. I explained yes I know but the interest has already been included on the current bill. Now I have another delinquency on my credit report because Comenity returned my payment and charged me a fee for the return they made. I checked my balance and my balance is {$0.00} currently and has been since XX/XX/XXXX. It has been five months and I have been paying fees on a {$0.00}. These fees are always added after I make a payment in the middle of the billing cycle. Comenity doesn't send me a paper statement and they have no exact time when they upload the electronic statements online. I can't even check my Comenity online account from my phone because the bank has limited access to the portal through my laptop and blocks other IP addresses from signing in. So if I have to make a payment or check the status of my account I have to wait until I am at home. I can't make payments from my phone as result and payments are due before XXXX XXXX each day. So if I am working and I have to pay Comenity I have to either rush home before XXXX XXXX to pay or carry my lap top with me. Why is paying a bill so hard? Why is it every time I make a final payment I get another surprise fee just before the due date?
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
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 received a phone call about a missed payment in XXXX of XXXX from Kays Jewlerys/Comenity Bank . I spoke with the woman told her not only had I paid XX/XX/XXXX but the XXXX payment as well. She said they had not received it. I was directed to contact my banks bill pay to send proof of payment and send it to the secure message center. I promptly did so. After that I never heard from Kays again until the XXXX bill came with a late fee so I called to ask about it. They said again they never received anything. So, I spoke with a supervisor who asked me to send it again and mail the proof. On that same call I said in good faith I would pay the entire about that was left on the card with the exception of the fees for the missed payments and the sum of those payments. I paid {$140.00} which was the amount given to me by the supervisor. After that I received multiple letters that said they would not charge me or turn the payments into collections while my account was in dispute. It is currently XX/XX/XXXX and I have received eight of those same letters that also say my dispute will be resolved in 90days or less. I have been charged over {$800.00} in fees. No one has ever contacted me from the company. I have sent emails, called multiple times each month, sent over 20 secure messages, mailed five letters of proof to different kays entities, and even went to the local store three times to try to figure this out. The Manager of the local Kays has called on my behalf three times and has been met with the same rudeness and unwillingness to help. Constantly I am met with no help, unkindness, and absolutely no results. My bank has also tried to find results and is working to file an improper endorsement claim against them. As we have proof that the checks were received and cashed by comenity bank. Prior to this I had an XXXX credit score and 11 year credit history with XXXX missed payments. My credit is now XXXX because of this delinquency. I have done my due diligence to take care of this and no one will help me. I am happy to pay for something I bought but I shouldnt have to pay for it multiple times or for fees I didnt cause.
Company Response:
State: WV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I purchased hearing aid services through Comenity Capital Bank 's XXXX on XX/XX/XXXX. We returned the XXXX XXXX and received a credit for most of what was owed, but had a balance of a few hundred dollars. On XX/XX/XXXX, I paid the balance on the account of {$120.00} online, which was due on XX/XX/XXXX. We assumed the account was paid and closed the account. On the back of the statement, it states if you pay the balance owed, there will be no further charges. We received a statement dated XX/XX/XXXX showing our payment of {$120.00} received but the statement showed a minimum finance charge of {$2.00} owed. My wife ( XXXX XXXX ) called customer service to question the charge but they would not talk to her because the account was opened under my name ( XXXX XXXX ). We received another statement XX/XX/XXXX charging, {$2.00} late fee, {$2.00} minimum interest charge and the {$2.00} balance from XXXX for a total of {$6.00} now due. I sent a certified letter on XX/XX/XXXX to request correction on the account, stating we had paid the balance in XX/XX/XXXX. I received a letter from Comenity Capital Bank dated XX/XX/XXXX stating they reviewed my claim and were researching it. They noted to allow 90 days to complete their investigation. I have continued to receive monthly statements with increasing fees and interest added. On XX/XX/XXXX, I sent an email through their Secure Message Center on their website, asking for a response and why I was still getting charged for an account that was paid off on XX/XX/XXXX. I received an email back on XX/XX/XXXX stating they saw a dispute filed on XX/XX/XXXX and it would take up to 90 days to complete the resolution. After receiving yet another statement dated XX/XX/XXXX, with more fees and interest, for a total now owed of {$99.00}, I sent another certified letter on XX/XX/XXXX asking for a resolution. It was now 120 days since my initial letter was sent on XX/XX/XXXX. I have had no response as yet and the account still shows a balance of {$99.00}. I have also found out that they are reporting my account as delinquent to credit bureaus. I do not see that they have noted the balance as disputed. At XXXX XXXX XXXX, this has caused me great aggavation and distress.
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had this Comenity Ulta Mastercard for a number of years. In the past year, I have noticed the payments are not applied as you submit them on the website. I pay my statement balance each month to avoid interest. But the website never takes the full amount that you request. Therefore, exposing you to high interest charges. When I notice this fact in my bank account I go back in and make an additional payment, but if I don't notice it, I end up getting charged the high interest rates. I believe it's a scam to be able to charge customers and make money fraudulently. I have called customer service multiple times and complained about this flaw, with no avail. I am cancelling the card but thought it should be documented what they do and hopefully corrected in the future.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1.I have never had an account with this company Comenity Bank , REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Comenity Bank the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX, I mailed a check within a week of the due date, paying the balance off my newly opened Ulta Mastercard. The check was for the full amount. I also enclosed a note requesting the card be closed. In XXXX, I received a bill stating the payment was late and I had a {$30.00} late fee because there was around {$4.00} in outstanding interest. My account was still open even though I had requested it closed. I called, spoke to a representative and explained the situation ( I had mailed the check with more than a week 's notice, paying the balance in full and asked the account to be closed ). He told me he would reverse the late fee and talked me into not closing the account. I asked if I had an outstanding balance, because I would pay it then on the phone, and explained I have good credit and didn't want another late fee or credit ding. He reassured me it was fine and my balance was XXXX. He also reassured me that I could call in the future and let them know if a payment was on its way by mail, they would make sure to mark it and no late fee would apply. I asked him to note on my account that I had called that day. Because he was so nice, I let him talk me into leaving my account open. In XXXX, I receive a notice that I owed {$4.00}, I was being charged another {$30.00} late fee for the {$4.00} and they were placing the original {$30.00} late fee back on my bill, making my total payment {$70.00}. I called on XX/XX/XXXX and spoke with three agents about the situation. I told them I had called in XXXX and been reassured there was no balance due. I was told the original late fee was being reinstated because I had now been late for two payments. I asked for the current balance, and immediately set up an electronic payment through my credit union so I would have documentation it was paid. I also asked that my account be immediately closed and that I have verification of the closure sent to me via email. They said they would mail it. At this point I gave up. Beware, if you are in a bind and need to make a payment with the support of a representative, there is a {$9.00} charge for personal assistance. For this interest rate and the fees, that shoul dbe provided for free.
Company Response:
State: CA
Zip: 939XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a small purchase in in XXXX of XXXX. Paid the balance of in XXXX XXXX. Because of delays in mail delivery. I discovered that the payment was a day late. Upon receiving the bill for {$14.00} I called and paid the late fee this was on XX/XX/XXXX. I received the bill after the due date for XXXX XXXX called and how could I have a late fee on a XXXX balance. this bill had two o late fees for {$14.00}. they could not explain it. so. they reversed those XXXX fees. once again, I received a bill in XX/XX/XXXX with a balance of {$58.00} the supervisor refused to correct the fee. I closed my accounts and asked to be removed from all of their sister companies catalogue mailings. Well, here we are in XX/XX/XXXX new bill says the balance is {$89.00} with a new late fee of {$30.00}. I have been with them over 10yrs and never missed a payment. always paid the bill right off. They have lost a customer and don't seem to care about.
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A