Date Received: 2023-03-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I've had an XXXX Credit Card since XXXX. XXXX 's administered the card until XXXX. The new card administrator became Comenity Capital Bank. Soon after Comenity took over, I called to redeem my XXXX points that I had on their takeover. They explained that I couldn't redeem my point for the $ XXXX/XXXX points, and that the only way to redeem them for the full rate was to offset a purchase for XXXX tickets or at XXXX stores. I have to renew my Saints season tickets by Friday, XXXX XX/XX/XXXXXXXX. I called on XXXX XXXX to let them know I was about to purchase my card and inquire about how to optimize my redemption of prior points. The agent at a call center redeem my points during my questioning for $ XXXX/XXXX points, giving me a {$300.00} statement credit. I told her that was not what I wanted. I was not read a disclaimer about the redemption. I asked to talk to a supervisor. I got a nice rep named XXXX. She didn't know how to reverse the redemption, so she asked XXXX of the other supervisors in her center. She told me she would transfer me to a higher level. I got a rep named XXXX XXXX. I explained the whole ordeal. He said he would have to go back and review my conversation with the initial rep and that he would call me by XXXX that night. All this happened on the same call into Comenity. I never got a call back, so I called back XXXX XXXX, asked for a supervior, and got a rep named XXXX. He read the notes on the account that XXXX XXXX entered. XXXX XXXX said everything was done correctly and that he'd tried to return a call to me. I had told XXXX XXXX to call my cell phone, and he did not. XXXX told me I have the credit on my account, and that's all there is to it. I got ripped off over {$300.00}, and I don't like it!
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Comenity Bank suspended my cc account because of what they said were " potential security concerns '' without notifying by phone, text or email. The only way I found out my account was suspended was when I tried to it. Only 5 days later did I receive a letter telling me the account was suspended. I called the bank and asked them why my account was closed .The bank representative stated that there was " potential security concerns '' and that I needed to send them proof of who I was ( see attached letter for details ) which I did. I have been with XXXX for over 10 years with XXXX XXXX XXXX managing the account, no problem with them. Only recently has Comenity Bank started managing XXXX credit accounts. If I had been on vacation some where I would have been in deep trouble not being able to pay for anything. No less I had to correct all auto payment that were connected to this account making sure all charges were paid ( my wife 's health insurance ). I have since opened account with XXXX XXXX and plan on closing the Comenity Bank ASAP. Never in my 50 years of having CC has this happened to me ( XXXX XXXX XXXX ). Thank you for reading this XXXX XXXX
Company Response:
State: ME
Zip: 04005
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023, I created and mailed a letter to Comenity requesting documentation with proof of my identity about Account Number : XXXX and I have yet to receive a response. The timeframe has exceeded the legal time frame for the documents to be produced. I have no idea how to get the documentation and I am in need of assistance at this point. According to the FCRA, I am entitled to receive these documents upon written request and now they are violating my consumer rights.
Company Response:
State: MO
Zip: 63090
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I applied the IKEA projekt card on XX/XX/XXXX and got approval for 0 % apr in 6 months. However, IKEA started to charge my interest started from XX/XX/XXXX till XX/XX/XXXX. I called in on XX/XX/XXXX to IKEA and asked them why. They said the promotion was ended in XX/XX/XXXX. But still they need to charge me interest from XXXX because other purchases. And they could not give me a definition of other purchases. All the purchases I made was happened in IKEA. And they charged me {$81.00} start from XX/XX/XXXX to XX/XX/XXXX within my promotional period. Its nonsense and XXXX is the supervisor who helped me who agree is non sense but she can not make the refund.
Company Response:
State: CA
Zip: 91733
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: victoria secrects late XXXX of XXXX {$35.00} XXXX XXXX XXXX XXXX XXXX late XX/XX/2022 {$41.00} 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 FURNISHED AN ACCOUNT WITHOUT MY CONSENT. 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 ANY PURPOSE.
Company Response:
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I called express asking that my husband XXXX XXXX be removed as authorized buyer and a letter stating that he was removed. I was informed do to a XXXX ongoing system error removing my husband wasn't possible. On XX/XX/XXXX or XXXX a Sr supervisor was finally able to remove my husband XXXX as authorized buyer and I again requested a letter stating specifically that " XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' I informed customer care that the letter must state his name specifically so our lender could take it to credit Bureau so we may get our mortgage loan. I have called 18 times since XX/XX/XXXX and spent more than XXXX on the phone trying to resolve this issue. I have even sent messages through express app and I still don't have the letter I need. Comenity has gone as far as to open a dispute claim I didn't request when I told them I would go public with everything they have put me through including when they refused to take XXXX payments ( back in XXXX and XXXX ) so I would be charged late fees. The payment refusal issue had been resolved back on in XXXX XXXX. Something I have since learned from reading reviews is common practice. Comenity.net 's refusal to issue this letter could leave our family homeless as our mortgage won't clear without this specific letter. When calling and asking for this letter comenity sends me a template letter that only says " authorized buyer has been removed '' and I have told them their template letter isn't enough. Now they are trying to drag this out 90days with a dispute claim I didn't ask for. I have received 3 letters all saying " authorized buyer '' has been removed but the letter needs to state " To whom it may concern ; XXXX XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' on express letter head. Why they aren't doing this is beyond my understanding my lender says this is standard practice and shouldn't have taken any longer than 72hrz. Can you please help use get this cleared up so we can get our mortgage loan. Sincerely XXXX XXXX XXXX
Company Response:
State: MI
Zip: 490XX
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: 2023-03-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I'm disputing the folowing : I have made the purchase with Kay XXXX on XX/XX/XXXX. The total amount is {$1800.00} Per their policy, item can be return within 30days or exchange within 60 days. I returned the item after 20days, on XXXX XXXX XXXX Few days later, I receive the statement ask to pay full amount {$1800.00} for the purchase that I have returned. I called the customer service and explained to them about that and they told me they will remove the charge. The Next month, I received another statement billing me the '' Late fee " because I didn't pay the previous statement. Kay XXXX / Comenity Capital bank did it over 10 months, keep billing me the late fee. I called their customer service and talked to many agents. They promised to remove the fee, but they never did. I sent the email to Comenity Capital bank on XXXX XXXX XXXX ask for investigate. They replied me back on XX/XX/XXXX and mentioned they have receive my letter and start to investigate within 90 days will get the resolve. I haven't heard from them any update, but still received the statement charged for Late fee add up and due date for payment is XXXX XXXX XXXX Then I called them back on XXXX XXXX XXXX to ask. And their agent told me that the charge fee has been removed on XXXX. I asked them sent me the letter to confirm that it has resolved. They wrote a letter on XX/XX/XXXX and sent out to me after I called them on XX/XX/XXXX, replied to me that the balance is XXXX now. They didn't mentioned the debt just sold to a new collector is XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX until the XXXX letter they sent out on XXXX XXXX XXXX I don't think it right, when the case still under investigate, but they hide to sold my debt to another collector without the resolved or answer back to me. It is hurt my XXXXedit score when my credit report showing charge off/ written off, and will stayed there for 7 years until XX/XX/XXXX.
Company Response:
State: CA
Zip: 95132
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Through XXXX XXXX I used XXXX XXXX XXXX through Comenity Bank. It was a two part promotional plan, one ending XX/XX/XXXX the other ending XX/XX/XXXX. Upon receiving the first bill I contacted customer service to get a full understanding of my plan and to make sure at the end I would not accrue interest. It was explained that my total amount due by XX/XX/XXXX divide that by the number of months before plans ends. That gives you a monthly figure to pay. To assure this was correct, I called back a second time and spoke to a different representative who explained it the same way. So once the first part is paid off, I have until XX/XX/XXXX to do the same for the second part. Follow that same payment plan and you wont accrue interest because your paying your balance off before it ends .On the first part of my plan I had the balance left of {$280.00} which was due by XX/XX/XXXX. I made that payment on line XX/XX/XXXX. When my account billed which would have my balance for the second part of my plan due in full by XX/XX/XXXX, I was charged {$850.00} in interest on an interest free promotional plan. When I called and spoke to a representative, I was told that I was charged interest because I should have been paying a minimum payment for the second part plan while I was paying on the first part plan. Even though I was paying more than the minimum payment due, I should have been adding extra for the second part. This is not how the plan was explained. And why give me a expiration date of the plan of XX/XX/XXXX if i had to pay it off as i was paying on the first promotional plan? The representatives obviously didnt understand the plan, because on more than one occasion it was explain by Comenity Bank Representatives . Why have a two part plan if your expected to pay on both at the same time. Bill me for both and show me on my bill what my payment is for each. I paid off both my promotional plans, with no missed payments and paid off by the date required. Comenity has added accrued interest of {$900.00} that I feel that do not owe. The balance is all interest added on after I paid the first plan in full.
Company Response:
State: DE
Zip: 19966
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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 made a purchase on my New York and Company credit card with the online store. I return a top to them and they received the return in their warehouse on XX/XX/XXXX. However, the store indicates that they received the merchandise on XX/XX/XXXX. I have not received a credit for the shirt as of today. I have called New York and Company over 15 times about my credit. The same person answered the phone for all of the calls. I found that strange. I had New York and Company Bank to do a three way call with me to the actual online store. The same person answered the phone again. They told both of us that they are short staffed in the warehouse and were processing refunds from XX/XX/XXXX. I called New York and Company Bank today and was told by XXXX XXXX id # XXXX ) and supervisor of XXXX ( id # XXXX ) that I could just missed the payment of {$54.00}. Once they complete their investigation in 90 days that they would give me the credit at that time. I asked about my credit being ruined from the late payments. They basically told me do not worry about it. I just paid the {$54.00} so that my credit would not be ruined. I want my refund issued to me in the form of a check.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I paid off the balance of {$350.00} on my XXXX credit card two days before the due date. On XX/XX/XXXX they charged me {$6.00} interest on purchases when my balance was XXXX. Then on XX/XX/XXXX they charged me a late fee of {$6.00}. On XX/XX/XXXX they charged me a minimum interest charge of {$2.00}. I called and asked why the charges on a zero balance account and they said they would refund the charges. however, they only refunded the two latest charges totaling {$8.00}. They did not refund the first charge of {$6.00}. On XX/XX/XXXX they charged me a late fee of {$14.00}. On XX/XX/XXXX another minimum interest charge of {$2.00}. Then on XX/XX/XXXX my repeat order was charged to my account in the amounts of {$25.00} and {$5.00}. On XX/XX/XXXX a late fee of {$22.00} was charged to my account and a minimum interest fee of {$2.00} was charged on XX/XX/XXXX. On XX/XX/XXXX I sent a secure message to them asking to have the charges removed. They refused. On XX/XX/XXXX I again sent a secure message to them asking that all the charges be removed. They refused again. On XX/XX/XXXX a late fee {$35.00} was charged because I did not make my payment on time due to a death in the family. Interest of {$2.00} was charged on XX/XX/XXXX. I made a payment of {$31.00} on XX/XX/XXXX which was the amount of my purchases. On XX/XX/XXXX a late fee of {$40.00} was charged to my account as well as an interest fee of {$2.00} on XX/XX/XXXX. On XX/XX/XXXX a late fee of {$35.00} was charged as well as {$3.00} interest on XX/XX/XXXX. On XX/XX/XXXX, I called Comenity Bank and spoke with a representative who told me he would refund all the late fees but the {$40.00} and that I would also have to pay all the interest charges totaling another {$15.00}. I was asking him why when the call was disconnected on his end. I made a payment online for the {$40.00} late fee and the one interest charge for {$2.00}. I should have only paid the {$35.00} late fee instead. Then I called back and spoke with a different representative who put me on hold twice and then told me after talking to a supervisor she would refund the two late fees totaling {$75.00} and that I would have to pay {$90.00} remaining balance. Again I told her I did not owe that because they made the error back in XXXX and refused to fix it. I asked that all the late fees and interest charges except the one I paid be removed from my account and that all the derogatory information they sent to the credit bureaus be removed also or I would file a complaint with the government. She refused and maintained I owed her {$90.00}.
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A