Date Received: 2023-02-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023, I checked my credit report and noticed that my credit score went down. It was due to a hard inquiry from Comenity Bank/XXXX XXXX XX/XX/2023. However I did not apply for a card on that date. I also noticed Comenity Capital Bank, XXXX XXXX XXXX and Comentiy BankXXXX also had several soft inquiries into my credit on that same day. On XX/XX/XXXX, I called XXXX ( XXXX ). They said that no credit card was applied for in my name. So I believe this hard inquiry was done in error. I spoke with XXXX who said this hard inquiry would be removed from my credit report but wanted to file a complaint here as well.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Comenity charged me tax on an item. I live in XXXX and do not have to pay tax on clothings item less than {$100.00}.
Company Response:
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: To whom it may concern, My wife XXXX XXXX has had an Comenity/Ann Taylor Mastercard account XXXX Ann Taylor XXXX # XXXX XXXX XXXX XXXX. She went into the XXXX in XXXX for 30 days. I had to cancel her card. I paid it off with the balance they told me., then I got an interest payment 0f {$120.00} which they never told me, but I paid it. After that I received and interest payment for {$2.00}. I called and they said they were removing it. Here is the number the representative gave me for cancelling the {$2.00} payment on XX/XX/23 # XXXX. I have tried to call and straighten this out to no avail. this bank doesn't care. It's not the {$3.00} which they now added on, it's the principal that they can get away with it. This is unacceptable. Comenity is a Horrible Bank and customer service, Please help. Thanks XXXX XXXX
Company Response:
State: NJ
Zip: 07871
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Somebody used my information, name and social, to apply for a credit card on XXXX XXXX. The credit inquiry on my XXXX account came from ComenityXXXX XXXX on the above date. I have already filed a dispute with XXXX and have contacted Comenity Bank to have them decline the application and close all that down. According to XXXX, my next step is to file a report with you all and send it in to them. Thank you for any and all help in the matter.
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX On XX/XX/XXXX, I made an online electronic payment from my XXXX XXXX checking account to Comenity Capital Bank in the amount of {$200.00}. The payment was intended to be applied to my NFL Extra Points Visa credit card with Comenity Capital Bank. I have used this method of payment many times in the past for this credit card and all of my other bills. A few days later, I received a notification from Comenity that my payment for XX/XX/XXXX was not received. I checked my XXXX bill pay account and realized that I made the XX/XX/XXXX payment to Comenity Capital Bank, but I inadvertently applied the payment to the wrong account number. My previous NFL Extra Point Visa account number was XXXX. I made my XX/XX/XXXX, payment to this account number. I should have made the payment using my current account number ending in XXXX. I called Comenity Capital Banks Customer Service number and spoke to a representative to explain the error. The representative said that they could not find my payment in their records and that I would need to mail in a copy of my electronic payment to their dispute department. On XX/XX/XXXX, I mailed a copy of the proof of electronic payment from my bank account bill pay and a letter explaining the error to the dispute department at Comenity Capital Bank. From XX/XX/XXXX through XX/XX/XXXX, I called Comenity Capital Banks Customer Service number and talked to several customer service representatives and managers who all told me that they received my dispute documents but were unable to apply my {$200.00} payment to my account until the investigation was concluded. Initially, I was told that the investigation would take 7-10 business days and then later I was told that it could take up to 90 business days. It seemed outrageous and impractical that the bank would receive a {$200.00} payment from me to my old closed account number but was clueless about how to transfer and apply that payment to my current account. Finally, on XX/XX/XXXX, I received a letter from Comenity Capital Bank stating they need additional evidence that I made the XX/XX/XXXX payment. I called Comenity Capital Banks Customer Service number and was informed that they wanted me to have my bank trace the payment and their investigation would take an addition al 90 business days. I can not express the frustration that I am experiencing with this entire situation. I made a payment to the correct bank that has all of my information but used the incorrect account number and Comenity Capital Bank has kept my money and is acting as if they cant find it for over 5 months now. This is outrageous and unprofessional and predatory and I want my {$200.00} payment applied to my current account and all late fees removed immediately. XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: On XX/XX/XXXX, I opened a credit card with Jared the XXXX of Jewelers store, issued by Comenity Bank. On XX/XX/XXXX, I called Comenity Bank and asked for the total balance due, because I wanted to pay off my credit card. They provide me with the information of {$320.00}. I made the payment over the phone and I paid off with my debit card from XXXX. On XX/XX/XXXX, I received a phone call from collection department stating that I have a remaining balance of {$39.00} and it was past due. I asked why I owe them {$39.00} if I paid off my credit card on XX/XX/XXXX? She said, the {$39.00} is for the credit card fees that were not included when the amount due was given. I asked the lady to put a manager on the phone. She put me on hold for a long time, and when she came back, she said that they were going to remove the fees. It seems that they incurre after the payment. She realized then that I actually had a credit. Also, she stated that by XX/XX/XXXX, a letter will be arriving with the notification of XXXX balance due. I never received the letter and I never bothered in calling them. I trusted the lady and since I paid them off, I just let that go, meaning the letter. On XX/XX/XXXX, I noticed a missed payment on the XXXX XXXX - credit score information. I called XXXX right away thinking that they have me as missed payment. They advised that they were not, but some other creditor did. I called XXXX and I opened a complaint to investigate which creditor did that. I received a letter on XX/XX/XXXX from XXXX stating that they concluded the investigation showing that Comenity bank/Jared credit card still have me of being late 30 days. I want this creditor to hire qualified customer service, because we consumers are paying the consequences. This is impacting my credit report/score because the miscommunication.
Company Response:
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A card was open in my name XX/XX/XXXX I didnt apply for no credit. Remove from my credit report
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I emailed the XXXX team in XXXX XXXX to ask about this XXXX XXXX XXXX Credit Card account, received the letter notifying me that a have a new credit card that I didnt approve. Awaiting their response before I start down the path of XXXX reporting for fraud and damages. Im not contacting or registering with Comenity as Im unsure if touching their website then confirms/acknowledges the unauthorized account. I have a copy of the email to XXXX that I can share.
Company Response:
State: WA
Zip: 98684
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Dear COMENITYCAPITALBANKXXXX XXXX XXXX XXXX XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX for 30-120 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being XXXX with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Company Response:
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I submitted a credit application with XXXX XXXX XXXX XXXX credit card which is evaluated by Comenity Capital Bank. I received a letter stating they were unable to approve my application at this time for the following reason. Inability to verify your previous credit experience and as of XX/XX/ my credit score was unable to be calculated through XXXX. I reached out to XXXX and my credit report is available along with my credit score. I would like to take adverse action on this since I was evaluated and a decision was made without a proper evaluations from the credit bureau or Comenity Capital bank
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A