Date Received: 2023-03-17
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: This is a continuation of complaint # XXXX. I received another letter from Comenity dated XX/XX/XXXX stating they received my claim and were currently researching it and would take up to 90 days for their investigation. Their first investigation began XX/XX/XXXX for 90 days ending XX/XX/XXXX and now another 90 days to investigate their math error. I detected the error in a matter of seconds looking at my statement. They did refund the Interest charges and late fees but the unauthorized withdrawals totaling {$3000.00} is the more urgent amount they are requested to refund to me. Comenity has since transferred their credit card business over to XXXX XXXXXXXX XXXX since XX/XX/XXXX and my account was not transferred due to their " investigation ''. I can not afford to have my funds held up indefinitely due to their math error since I live on SS and need that money refunded. XXXXXXXX XXXX XXXX can not issue a new BJs card until Comenity transfers my account over to them. I trusted Comenity with my business and I am very sorry I did. Sincerely, XXXX XXXX
Company Response:
State: VT
Zip: 050XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Since XX/XX/XXXX, Comenity bank via Victoria Secret has been unable to take my payments due to a problem within their internal system. They have reported my account as delinquent XXXX XXXX XXXX and now XXXX. I call twice a month to attempt to pay. I started recording the call XX/XX/XXXX. They refuse to stop reporting my account and refuse to provide me a letter stating the account is not delinquent as per requested by my home lender ( trying to buy a home ). My credit score has gone from XXXX to a XXXX. Comenity Bank refuses to assist me in making the corrections needed. They only tell me sorry we are unable to access your account please help. We have tried a mail in payment, a misposted payment, ach wire transfer, and debt card. All of which could not be processed due to Comenity Banks internal system. I have done everything they have asked with zero assistance or help in return.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: XXXX XXXX XXXX bought a debt from a helzberg account I had. They have called me 4-6 times a day m-f and on some weekends the first time I picked up the phone the debt collector asked my why I fell behind and explained I had lost my job and have 2 toddlers and a wife to take care of. When he asked me to pay {$1400.00} in full today I said I couldnt. Then asked me to put money down and pay it off over the next 2 months. Which I replied that I couldnt afford it right now. He then proceeded to say What kind of father cant pay his bills Not a very good one which is when I stopped talking to them in XXXX of 2022. One year later, after thousands of attempts to call me at all time of the day, I got a letter from a lawyer saying that they had seen that XXXX XXXX XXXX had filed a suit against me. So I called to attempt to settle the debt again. They proceeded to ask me to pay the full amount right now or the lawsuit will garnish my wages and get their money back. ( This was around XX/XX/XXXX ) I said I was hiring an attorney and we can settle in court at which point he told me those are just ambulance chaser of the debt collection world and the court would side with them. Now on XX/XX/XXXX they call me again threatening suit and that I should settle now at which point I stopped him and repeated that I already told them I was getting a lawyer. Which he responded Well legally you have to give me his name and number for us to stop calling and I said again stop calling me and hung up. After calling me a XXXX dad and calling my phone at all time even in the evenings right up to XXXX knowing I had small children to get to sleep Im fed up with their ignorant tactics of abuse and threatening me. I have paid off other creditors but at this point I dont want to pay them a dime after they have continually harassed me and from what I have found out tens of thousands of other people.
Company Response:
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I obtained {$100.00} rewards with this credit card. When i redeemed it, i received {$1.00}. Bread Cashback bank is aware of the problem but they keep extending when this problem will be fixed. Now they don't even answer the phone anymore.
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have already paid them off. But they are still showing up on my credit report.
Company Response:
State: MS
Zip: 387XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023 I paid my Comenity XXXXXXXX XXXX Card balance in full. On XX/XX/2023, I received the XXXX XXXX statement showing a {$2.00} interest fee incurred on XX/XX/2023. I placed a call to XXXX on XX/XX/2023, at XXXX, inquiring about this fee as I had paid the account in full on XX/XX/2023. I was promptly told not to worry as it would be waived and credited back to my account. I expressed my concern this would not actually occur and they were *very adamant* they would make sure it would be done. As of today, XX/XX/2023, the balance has increased to {$6.00}, which now includes a {$2.00} late fee from XX/XX/XXXX, and another {$2.00} interest fee as posted on my XX/XX/2023 statement. I have placed several phone calls today asking how this could happen when I was assured the initial {$2.00} fee would be waived. The first 2 agents I spoke with today ( XX/XX/XXXX ) assured me it was being credited ( calls placed XXXX and XXXX ) assured me and the account would be closed as requested. The third agent I spoke with told me they were never going to waive the interest fees and this was a result of someone who had poor training and they apologized they could not help me but that I would have to pay or I would incur more fees. I don't understand how I could be told after paying off my account IN FULL, that I would have the {$2.00} fee from XX/XX/XXXX, *credited back to my account*, only to be told a month later that was never going to happen. This was only after speaking with 3 previous agents who assured me the fees would be credited and I again, had " nothing to worry about ''. It was also made very clear that closing the account was very negative and attitudes and treatment clearly shifted for the worse when I made it clear I wanted the account closed at my request. I am very concerned about incentives or the punitive atmosphere surrounding account closings affecting how customers are treated, especially regarding billing errors/issues. This concern encompasses all Comenity Capital credit accounts as I requested to close a different Comenity account and the same attitude shift was palpable and affected how my concern/problem was regarded. In addition to the phone calls, I requested through the message option on the account website to have the {$6.00} credited as I was assured would happen and my account be closed and reported to credit agencies as : Closed at request and Paid as agreed
Company Response:
State: KS
Zip: 66049
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I receive an average of 10-15 calls PER DAY often over and over again within a small time frame. I used my credit to start my business and have told them time and time again I am paying as soon as I get my taxes that Ive been falling behind due to XXXX striking me twice and being out of work. They are foul mouthed and loud and use obscene language. After I have blocked their number they will call continuously from a blocked number. Ive answered to confirm. Comenity Bank!
Company Response:
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I purchased something from XXXX. I sent a payment in XXXX of XXXX for {$100.00}. Then a payment of {$50.00} in XXXX of XXXX. The first payment was not counted. I contacted the credit card company and got the verification from the bank and sent it in. The money was still not credited. Sent a payment in XXXX of XXXX for another {$50.00}. The account still was not rectified. Finally ended up paying what I thought was the full bill with all the extra charges they applied of {$380.00} and change. Apparently by the time it got to them they left a balance of {$9.00} and change. Now they say it was not paid off in full. I paid what the balance was when I received the notice. Now they say I owe a balance of {$260.00} something. I once again asked about the {$100.00} they never credited me for. They insist it would still leave a balance of {$160.00} something. I am not giving them any more money. Now what can I do. I have the proof from the bank they were paid.
Company Response:
State: ME
Zip: 047XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Problem when making payments
Subissue:
Consumer Complaint: I received a text from bread accusing me of defaulting on the loan, which is setup on autopay and the payment was already deducted from my bank account. The text was received at XXXX on XX/XX/2023. The text includes the following : Bread : Please contact Bread at XXXX regarding your defaulted loan for the purchase made at I attempted to contact the company via the provided phone number, but the line says their office is not open and has no hours listed.
Company Response:
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing this complaint because I previously had an comenity bank/express credit card. I mailed in my payment in full to comenity bank/express in 2017 and a week later I received a letter from XXXX XXXX saying I owe the debt but I informed them that I had mailed the amount owed to comenity/express. They told me I needed to call them because XXXX never received a payment from them. I immediately called comenity/express and they stated they had not received a payment from me. I had sent them two payments on the same day. So I called XXXX back and we agreed to wait awhile but and almost two months later of going back and forth they stated they just received a partial payment from them. I then called comenity/express again to inquire about the other half of the payment and they said they had no record that they received any payment for me ( which was crazy because XXXX had gotten a partial payment from them ). Comenity said they would look into the matter but no one ever called me back. After going back and forth with XXXX I just paid the remaining balance and filed a complaint with CFPB to have XXXX removed from my credit report because it should have never been put on there. They responded that they would remove it from my report and that comenity/express was working to recall it from my credit. This debt has been paid in full and I would like comenity/express removed from my credit report because they stated they were going to recall it to XXXX XXXX and because they state they never received a payment from me but they sent XXXX a partial payment. I dont know what they did with other payment I made to them since they quote had no record that I sent in a payment. I havent heard anything else from them to this day. I also have not received a refund of the remaining payment I made. I would like this resolved as soon as possible. Thank you.
Company Response:
State: AR
Zip: 72034
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A