Date Received: 2023-03-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On Saturday, XX/XX/XXXX I applied for an Ulta credit card in their store in XXXXXXXX XXXX. They said because their address for me was outdated that the bank was going to contact me for more info. 30 days went by and they never did. I also received nothing in the mail. I called Ulta and was told that my credit file was locked and that I needed to call XXXX which was the only of the three agencies that showed the hard hit. I contacted them and they confirmed it was never locked and I also found this on their website when I logged in. Not to mention I had received a Victorias Secret credit card ( same company ) the month prior. I was told I needed to contact Ulta back and they would need to remove the hard hit and then I can try again to apply and they can try pulling it again ( I did not want Two hard hits, especially considering they last two years ). I was transferred to an automated line confirming that I would receive mail correspondence within 30 days from applying which clearly I never did hence my call ). I called Ulta again and again and no one wanted to help and kept transferring me to this obsolete line. I had to ask for a supervisor. I was told to write to Ulta and I waited another 30 days. Crickets. I sent them proof of the hard hit and proof of my over XXXX credit score. I also included proof that my account was not locked. I just want the credit card or I want the hard hit removed.
Company Response:
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I told Comenity Bank to close my account last year ( 2022 ). Unfortunately, they deleted my email because they don't retain them past 120 days. Since I've requested they close the account, even though I have bought nothing with the card, they have charged me {$100.00} in late fees. Additionally, they harass me daily with phone calls and text messages. I do not want this credit card and they continue to charge me and claim I owe them a debt when I have purchased nothing.
Company Response:
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: This bank has been horrible since XXXX changed companies for their XXXX XXXX XXXX XXXX XXXX Credit Card program. Didn't get my cards on time as promised back in the fall. And now they are not fulfilling their responsibility to provide reward redemptions. XX/XX/XXXX I submitted requests for point redemptions on two cards. XX/XX/XXXX I found that my bank had received payment in pennies not in dollars- misplaced decimal points by two places!! I contacted the bank online through the account XX/XX/XXXX they responded that they are aware and are fixing the problem Today is XX/XX/XXXX and it is still not resolved. Due to issues in getting the cards set up in the first place the bank promised extra points for this past XXXX. Then I received a notice in XXXX that they hadn't done points correctly for XXXX and had made adjustments to correct the issue. No report was provided to reflect the mistake or the fix. The fix effectively wiped out the extra points that had been promised.
Company Response:
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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: In late XX/XX/XXXX, I received an item which I had purchased through an on-line auction site ( XXXX ). The item was stated " New Condition '' and the website has very specific parameters for what qualifies as " New Condition ''. The item arrived in XXXX, and was found to be not new condition as was later confirmed through an email directly with the seller ( XXXX XXXX XXXX XXXX ). The seller ceased communicating with me. On XX/XX/XXXX, I contacted Comenity Bank Mastercard to initiate the dispute. I uploaded a written statement and documentation including screenshots of the website requirements, and the emails with the seller. Comenity bank stated that they initiated the investigation, and would have a resolution within 90 days. I uploaded additional supporting documentation on XX/XX/XXXX. I was verbally advised the amount ( {$1400.00} ) would be provisionally credited and no finance charges would accrue. The {$1400.00} charge did appear on my statement. I called Comenity bank to ask if I should pay this amount despite what I was told regarding a provisional credit. At that time they confirmed I should not pay the amount. As instructed, I did not pay the amount and was charged {$27.00} finance charge on my next statement. When I called back in regarding this charge, I was told that I had been misinformed. ( As a side note, during a conversation with XXXX, a supervisor, on XXXX at XXXX XXXX she confirmed that finance charge should not have been assessed and she reversed the {$27.00} charge ) On XX/XX/XXXX, I inquired about the investigation and was told it may take up to 60 days to complete. In XXXX, they then changed it 90 days for resolution. There were 6 electronic correspondences in XXXX - none offer resolutions of any kind. On XX/XX/XXXX, after XXXX minutes on hold, I spoke to XXXX who simply confirmed the investigation was still in process. On XX/XX/XXXX and XXXX, XXXX, I received electronic responses to 2 inquiries regarding status. Those responses simply stated the investigation was still in process. On XX/XX/XXXX I called Comenity, and was again told the investigation was in process. At this time I was informed that it could take " 90 business days '' to receive a resolution. I was also told they are waiting on the seller to " work with them ''. ( Why would a seller voluntarily return money for a mistake he made? He will never cooperate willingly, just like he refused to cooperate with me ) It was at this time that XXXX, a supervisor, realized the finance charge error and credited it back to my account. Per Comenity Bank policy, the amount in question ( XXXX ) should have also been reversed until conclusion of the investigation as well - but it was not. On XX/XX/XXXX, XXXX AM I called Comenity bank again. First I spoke with XXXX- but she couldn't answer the questions. So she referred me to XXXX, an account specialist. XXXX forwarded me to XXXX, who said they were still working on the dispute- which was initiated on XX/XX/XXXX! Clearly I am being stonewalled. They continue to move deadline dates and hope I quit. Thank you for your assistance in this matter.
Company Response:
State: MI
Zip: 48152
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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 purpose
Company Response:
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act ComenityXXXX 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 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 late for purpose.
Company Response:
State: VA
Zip: 23701
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
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 purpose.
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid my account in full in XX/XX/XXXX. XXXX XXXX XXXX XXXXXXXX reported it as late to my XXXX credit report in XX/XX/XXXX. When I called to find out why, they said I owed {$36.00} in late fees. When I tried to explain it was paid in full in XX/XX/XXXX, they cut me off and spoke over me - forcing me to pay {$10.00}. They claimed the account would be cleared of fees and closed. The following month, XX/XX/XXXX, they tried to charge an additional {$35.00} in more fees and are now harassing me by phone, 7 - 10x a day. They keep saying if I don't pay the added fees they will continue to report to my credit report. In XX/XX/XXXX, they are continuing their harassment and extortion, and trying to now charge me {$100.00} on a paid off, closed account. They refuse to acknowledge via XXXX dispute that the account was paid in full in XX/XX/XXXX and continue reporting it as late to my credit report. They also continue trying to charge fees after its been closed. This is extortion as the account has been paid and closed. Please make them stop harassing me, extorting me, and charging me fees. I refuse to pay unending fees on a paid off, closed account.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Wrong address
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This serves as my official notification to you, or any individual ( s ), concerned that I here now have confliction with the reportability of your claim ( s ) until it's testimonial that privilege to report was executed adequately and in a well established and chronicled compliantly reported compliant manner, even to the mandates in accordance with the XXXX required XXXX described XXXX XXXX data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A