Date Received: 2023-03-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I use XXXX XXXX to monitor my credit and on XX/XX/23 i received an alert about a new account that is not mine, and that I did not open. The company is Comenity Capital/Ikea XXXX They opened in XX/XX/23 and have charged {$8100.00} on it. I filed a dispute with XXXX and after disputing with you will also file a dispute with XXXX and XXXX. I'm not sure what other information you need so please let me know. Thank you for your help.
Company Response:
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This company was asked to remove a specific service several months ago from my account, and they acknowledged. They have continued to charge for it and have not removed it, and are now challenging me on this very subject. As you can see from the complaints this is not the only problem I have with them.
Company Response:
State: IL
Zip: 61265
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I bought jewlery from Jared and signed up for their Comenity Bank credit card, which offers an 18 moth deferred interest term. The website for the card allows me to set up automatic payments on a monthly basis- but they do not allow you to change the date the automatic payments are made. The only date you can choose is the exact date the payment is due. This has the potential to be an issue if there some kind of failure, holiday, disaster, etc and the payment is not sent - I would most certainly be dealing with late charges. As a consumer I should be able to determine what day of the month my automatic payments are sent, just as I am able to do with any other credit card.
Company Response:
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was pre-approved for 3 of Comenity Bank cards in XX/XX/XXXX. To include the following : XXXX XXXX XXXX - $ XXXX limit XXXX XXXX XXXX- $ XXXX limit XXXX XXXX XXXX - $ XXXX limit I applied and received the above credit limit for each. Sometime around XX/XX/XXXX the cards arrived and I activated each one. The very next morning each card was frozen/blocked. No transactions at all. I called in to see what happened and I was told the cards were blocked and i needed to send in documentation for my identity purposes. I emailed XXXX around XX/XX/XXXX and was told it will take 30 days to review. I sent in color copy of my GA DLs front and back. Color copy of SS card front and back and pdf copy of GA power utility bill. I called back two weeks later to be told that all my accounts were closed and the documents werent to Comenity bank standards. ( Not sure what that means ) and that I would have to reapply without any further explanation. However there letter states that they will not close the accounts until after 30 days. We are still within the 30 days as of today XX/XX/XXXX. I resent documents again today to also include my most recent W-4s. My credit now shows that a creditor closed an account which is negative and also the inquires they used to approve me for each card. Why close my accounts in the first place? There were no transactions and all my information was correct even my documents I sent twice. Just to tell me to reapply again?
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
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: Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX My XXXX credit card account was transferred from XXXX XXXX XXXX to Comenity in XX/XX/XXXX. On XX/XX/XXXXXXXX Comenity made a Charge Adjustment to my account in the amount of {$4600.00}. I immediately called them and disputed it. The first four Customer Service Representatives literally laughed and said I had to pay it. I finally spoke with a woman who looked at my account and said it was a " Known Issue '' with their computer system and that she would flag it to be resolved and removed. She stated that it normally could take up to 90 days to resolve but that mine should be settled within 30 days. On XX/XX/XXXX Comenity sent me a letter advising me that they were researching it and that I would not be " paying on any disputed amount, applicable finance charges or fees during the investigation. '' I have not heard anything more from them. They did not even enter anything as a Dispute ID on their letter. On XX/XX/XXXX they charged me {$62.00} in interest on this Charge and asked that I begin making payments in the amount of {$110.00} each month. I've spoken with 4 more Customer Service Reps. Each advise me to make the payments. The last advised me they had also found another account with a balance of {$6.00}. They said that this would complicate matters and that rather than 90 days it might take a month or two longer than that. But that I should make payments so that my account does not become delinquent. I had two fraudulent charges against my XXXX XXXX with XXXX XXXX XXXXXXXX on XX/XX/XXXX. One in the amount of {$4600.00} and the other in the Amount of {$6.00}. They researched it and absolved me of any responsibility for paying for it. Comenity 's own records clearly show it as fraudulent charges. Please have them remove these fraudulent charges and fees from my account
Company Response:
State: WA
Zip: 98277
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have already submitted a complaint ID # XXXX. However I just recently made a police report but I can't attach to the previous complaint.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: So many hard inquiries that I have tried to clear up but doesnt
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Victoria Secret is really starting to get on my nerves. I'm literally considering suing them for altering my credit, when it shouldn't have been altered in the XXXX first place. The cards owner is my wife. She added me as an authorized user months ago. When I found out about it via my credit report, I told her to take me off as that has serious reprucussions if her account is late. She then called the company and told then to take me off as an " authorized user '' and said they had done so. So one, its not my XXXX account Two : my liability is gone because the company VICTORIA SECRET agreed to remove me as an authorized user. Three : This company literally just violated FCRA, and such applicable laws that follow suit with it. If this company isn't held responsible, I'll be sure to have a lawsuit. Get it off my XXXX credit report. Thanks, your sincerest credit consumer that doesn't use Victoria Secret
Company Response:
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I contacted c.comenity.net- Victoria Secret customer service to advise of the amount that was shown on my XXXX XXXX of a balance of XXXX when my credit limit was {$400.00}. I had made a payment of {$140.00} on XX/XX/XXXX as that was the amount I owed and was sent another credit card that I never activated due to wanting to get rid of another credit card and moving address. I wasn't aware the payment was not taken and was bounced back for some reason. I was made aware on Monday, XX/XX/XXXX, that the balance was now XXXX dollars I called to explain however I was advised that I had to pay the whole amount which I refuse to as I now longer have a credit card open with them. I told them I was willing to pay the XXXX that I had spent I was advised I couldn't so now I have to pay XXXX of interest when they have my email and could have provided this information to me with detail of the XXXX paid in XXXX not going through and I could have avoided the XXXX of interest.
Company Response:
State: TX
Zip: 78552
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX and XXXX of this year my XXXX XXXX was tanked around 49 points of non payment on this card when the card balance was {$0.00}.
Company Response:
State: MI
Zip: 48083
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A