Date Received: 2023-02-22
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 XXXX of 2022, my AAA Visa card was owned by XXXX XXXX XXXX. I disputed a charge and notified bank. In XXXX, XXXX XXXX XXXX resolved dispute and sent me a letter confirming charge would be removed. In XXXX, 2022, Comenity Bank took over this card from XXXX XXXX XXXX. They sent my account to a collection agency saying I owed for the XXXX, 2022 charge plus interest. I sent Comenity ( by registered mail ) proof that this charge had been resolved by XXXX XXXX XXXX. Comenity sent me a letter saying that since they received notification for the XXXX charge in XXXX, I was not eligible for the refund. Comenity was NOT the bank holding the card in XXXX of 2022. XXXX XXXX XXXX was and they resolved the issue. Comenity resurrected a dispute for a charge from another bank and are ignoring my proof that it was resolved.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
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: XX/XX/XXXX I received a bill from Comenity stating that I owed them {$490.00}. XXXX XXXX switched from XXXX XXXX XXXX, my bank, to Comenity for there credit card. I paid electronically to XXXX the {$490.00} on XX/XX/XXXX confirmation number XXXX. I have been in communication with Comenity through various phone conservations, emails, and a letter, which was signed for, as received. This still is not resolved as of today XXXX, XXXX. I keep getting monthly bills from them with late fees and interest todays bill states I owe them {$580.00}, I owe them nothing. There is absolutely no reason why this still is not resolved after all of this time. This company has done nothing to resolve this issue. Worst company ever.
Company Response:
State: CA
Zip: 91710
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been dealing with identity theft and its repercussions for over 8 years now at least. I first noticed this account with the original creditor prior to XXXX. I tried contacting them, however, they would not speak with me because I couldn't verify the security questions they were asking. I asked them to close the account as fraud, to which they still said they couldn't speak with me because I couldn't be verified. This account was soon after removed from my credit report, so I assumed it was canceled. Fast forward to XX/XX/XXXX, I received a citation for a lawsuit for another fraudulent debt, which got me to start checking my credit report. I noticed XXXX as one of the negative accounts. I contacted them via phone and certified mail ( XX/XX/XXXX ), to which they told me the debt was sold to XXXX XXXX and gave me their contact information. I had asked XXXX for verification of debt via the letter, but they said it was sold to XXXX XXXX XXXX I filed an identity theft report with the FTC in XX/XX/XXXX, listing this account as well as others that were still appearing on my credit report. On XX/XX/XXXX, I sent two letters in the same envelope via certified mail to XXXX XXXX. The first letter was asking for full validation/verification of the debt as well as notifying them of the dispute due to identity theft. The second letter in the envelope was for a cease and desist after they sent the validation/verification. I also included the identity theft affidavit from the FTC, as well as a police report from XXXX when I had another identity theft incident in regards to false unemployment claims filed under my name. I never heard anything, nor received a validation/verification from XXXXXXXX XXXX XXXX I did, however, receive the signed return receipt showing that XXXX did receive the letters. In late XX/XX/XXXX, I received a citation of lawsuit from XXXX XXXX XXXX, XXXX. in XXXX, TX at my po box . I responded to this within the required timeframe in early XX/XX/XXXX with the lawsuit answer, along with the identity theft report from the FTC. Copies certified from the court were sent to XXXX XXXX XXXX, XXXX. via certified mail. On XX/XX/XXXX, I called to the original creditor to gain more information. They again referred me to XXXX XXXX. I called XXXX XXXX to ask why I never received the debt validation/verification as requested from the letter send on XX/XX/XXXX. They confirmed receipt and said they forwarded everything to another organization named XXXX XXXX on XX/XX/XXXX and I would need to ask them why it was not sent. XXXX gave me the number to XXXX XXXX, which I called. I asked the same thing of XXXX XXXX, to which they said that anything would have been sent to the local attorney handling the case, XXXX XXXX XXXX, XXXX. and gave me their number. I contacted XXXX & XXXX, XXXX, and from what little they would tell me, it does not appear that the letters were ever sent down to them. They have asked me to re-send everything to them via email so they can start an identity theft packet. They also kept asking for a Police report. In the past when I called XXXX Police to ask how to proceed with the credit card identity theft, they advised that the FTC report trumps any report they would be able to take since the FTC is the federal level official agency to report the issue to. My issue is that XXXX never fulfilled the requirement to sent a full validation/verification of the debt and pass the issue onto others, who then say they never received it. In the midst of all of this, I have been on different medications from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and attempts due to the identity theft and different bill collectors saying they are coming for my house and my property. Under the advice of the Texas DMV, I replaced my driver license in XX/XX/XXXX after I found out that my license, social security number, phone number, email address, and other identifying information was found on the Dark Web. Due to multiple data breaches over the years, Ive had to set up credit bureau blocks with XXXX, XXXX, and XXXX. Ive had to set up active credit monitoring with those three companies. Ive had to file identity theft reports with the State of Texas and the IRS. My life has been difficult and Im trying to find an end.
Company Response:
State: TX
Zip: 793XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Comenity bank sent me a new j crew credit card. When I made the first payment in the new card ( XXXX ), they applied it to the old card ( XXXX ). I called in and they acknowledged my complaint on/before XX/XX/2022 in writing. Since then, they have continued to report me as delinquent at the bureaus and charge interest and high fees ( {$110.00} in fees and {$20.00} in interest ) when I have made timely payments on all purchases.
Company Response:
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid bill in full to have a XXXX balance. As confirmed on the phone my balance was at XXXX. I then did not use card for several months to then find out that I had a bill due and it was all late charges. As I thought I had overlooked something I proceeded to pay the bill in full and got confirmation that my account was again at XXXX. I then recieved a bill two months later to see that they had charged interest after the fact and then since I did not pay the XXXX dollar interest they sent another late fee. I talked to comenity about this and they would only put my account to XXXX and assure me that there will be no more charges to my account. I asked for refunds of previous late charges that were charged to my account after I had paid in full, I then got sent to a super visor who heard my complaint and would not do anything to refund the previous wrongful charges after account was supposedly paid in full.
Company Response:
State: WI
Zip: 53219
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There was a hard inquiry on my credit report that was not made by myself. XXXX Company : ComenityCB/XXXX No phone number given. No company information to contact them given. I did place a fraudulent activity notice on my XXXX account for this inquiry.
Company Response:
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of XXXX I had a late payment on a XXXXXXXX XXXX XXXX XXXX because I was sick with XXXX I contacted the company because a late payment was put on to my credit report the company said that they would do a Goodwill adjustment and that they would adjust the late payment in their system as well as with the credit bureaus so that it would not hurt my credit since then they sent me a letter saying that they would do so but they did not to this date they have not I have contacted them several times and each time I got the news saying that they had already corrected it in their system and they had already sent the information to the credit bureaus after contacting the credit bureau several time and putting in disputes they kept coming back saying that the company was still reporting the payment as late after contacting the company yet several times again kept getting the same story that it was the credit bureaus that were lying and had not corrected the file as of this morning I find out that XXXX 's did not do what they said they would do in the letter and are not willing to after all this time I have been a customer of their since XXXX and have never missed a payment they had agreed to this and now they're going back on what they agreed to I have a letter stating such and after contacting them yet again this morning I got a very rude supervisor who pretty much yelled at me and raised his voice and told me they had no plans on doing anything and that he spoke for the whole company Comenity Bank
Company Response:
State: IL
Zip: 61109
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have contacted Comenity Bank through XXXX. The first time I spoke with the customer care team was on XX/XX/XXXX I spoke with XXXX badge number XXXX. I have spent several hours on the phone with various representatives from customer service including managers. XXXX and XXXX, were particularly rude and provided no help at all. In fact, they laughed at me when I explained that I the terms and conditions on credit application in which I signed stated I would pay 14.99 % interest rate for 36 months.This company has been charging me with 29.99 % interest for the past year and it was not brought to my attention until recently as my fiance was in charge of my bill for my household and this purchase was an engagement ring. The representatives filed XXXX separate disputes after several hours on the phone and continued to tell me that the XXXX XXXX must have input the purchase wrong and there was nothing Comenity Bank would be able to do. I have gone back and forth between Comenity Bank and the XXXX XXXX. The XXXX XXXX has been more than helpful, in fact the last time I called the store manager was able to return and re-ring the purchase taking into account the amounts that I have paid with the correct interest and I paid the difference of the balance. So, I am now paid in full for the purchase of the ring with the appropriate interest. However, after the store communicated this to Comenity Bank, the bank is still refusing to update the account with the transaction at the store. Comenity Bank is trying to say that I owe them over a thousand dollars. I did file a motion with the XXXX of Ohio and they directed me to the Consumer Financial Protection Bureau to file a complaint. On XX/XX/XXXX my fiance and I purchased a wedding ring and engagement set from XXXX and used the store credit card through Comenity Bank to charge {$2200.00} for 36 months of 14.99 % interest as stated in the details of my plan. However, they have been charging me at 29.99 % interest since an unknown date after the first payment of {$120.00} was made. I have paid well over the remaining balance and called to file disputes 7 times. XXXX originally told me to reach out to XXXX because the store is the one who input something incorrectly, and they could resolve the error. XXXX went through the process with me and charged me for the remaining balance, and sent this information to XXXX. Comenity supervisors & managers as well as the store indicated that my purchase was eligible for the 36 months for 14.99 % as stated in the " details of my plan ''. Several of them indicated they had seen this happen to other consumers. XXXX laughed at me when I stated that the account had been charged at 29.99 % and I had never seen the statements due to the purchase being an engagement ring and my fiance being in charge of all financial accounts for our household. Once I took over the finances, I began reaching out to Comenity Bank, who continued to place the burden on the XXXX store. I bounced back and forth between XXXX and XXXX during the disputes. XXXX store manager indicated that they never actually received any disputes or requests from XXXX. The XXXX store manager, XXXX and her corporate leaders, did an amazing job working on this and providing a resolution. Even after XXXX reprocessed the transaction and charged me the remaining balance to be paid in full, and sent this information to XXXX, they are unwilling to update the account. XXXX only processed {$130.00} of that transaction sent from XXXX on XX/XX/XXXX. XXXX is still demanding over {$1200.00}. XXXX stated to the CFPA that my account was reviewed and no adjustments were needed. I finally found the location of the most recent response that Comenity Bank had sent to Consumer Financial Protection Bureau. In their response, they indicated that, " Weve reviewed the XX/XX/XXXX, return of {$130.00}. XXXX advised that in the return, {$2000.00} was returned as a cash refund and {$130.00} was returned to your XXXX The XXXX XXXX XXXX XXXX Credit Card. '' None of which was an accurate description of what happened. XXXX was attempting to resolve the issue that one of the employees who processed a return of wedding band as well as the previous engagement ring that I upgraded. XXXX did not apply the amounts of " cash '' to my credit account as they were asked to do. They are claiming that the money was returned to me and it was not. Comenity has since sold the inacurate debt to XXXX XXXX, who is now still trying to collect {$1700.00}. None of which was legally charged to my account according to my original purchase agreement. XXXX is alleging that I owe fees of {$360.00} and interest of {$450.00} total charged in XXXX ; in addition to the inaccurate total fees of {$140.00} and interest of {$550.00} in XXXX. Which is almost exactly what they are accusing me of owing, all accrued at the interest rate of XXXX percent, that was not the 0 % for a year and 14 % thereafter.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
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: First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). This Account # XXXX is showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately. My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2019. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a notice that on XX/XX/23 that there was a hard inquiry to my credit report from XXXXXXXX XXXX. I called XXXX XXXX to question the inquiry and they said that I do not have an account with them but the inquiry generated from an application in my name. The application was denied, but they could not give me information on what type of card was applied for or where the mailing address was.
Company Response:
State: AZ
Zip: 855XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A