Date Received: 2023-02-17
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: It was reported that i was XXXX days late on a payment that was suppose to been automatically deducted. When i check the payment history it shows for the month of XXXX XXXX i made my payment. But its still being reported that its late. The dispute process is nerve wrecking due to the facts that it doesnt provide a reason on the decision.
Company Response:
State: CA
Zip: 90062
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I noticed on my credit report that I owe {$29.00} to Comenity bank. This showed up in XXXX. I have no idea what it is. I can not get a copy of a bill or get any information from the company regarding the amount. most credit card companies send a bill I have no bill. I don't know what this is in the meantime it's gone from $ XXXX {$59.00} to I believe today I saw it's {$100.00}, I don't know how interest goes up that fast but anyway, I pay much larger credit card bills monthly but for some reason nobody can tell me what this is. I disputed this with XXXX and they say it's legitimate and the only way to reach the commodity for this problem is via letter - a XXXX XXXX XXXX in this day of age I find that very strange. I don't have any idea what this is I don't see why it's so hard for somebody to talk to me on the phone. I called XXXX 's number and it's automated you can't talk to a live person. I want get this resolved it's not helping my credit report and obviously if I owe {$29.00} I would pay it it's ridiculous and frustrating. I filed another dispute stating I did not know what the amount is for. I guess the creditors get all that or the alleged creditors get all the support. I really feel this is a scam.
Company Response:
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This creditor acceded my credit report and issued a credit card without my authorization and by not ensuring proper identity checks to prevent fraudulent opening of this account.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: Comenity Bank approved me for clothing store cards. Was making payments without problem but then feel on a hardship. They call me every day even on Sundays. This morning they called me 3 times from XXXX. They will call from several numbers and a no called ID number. Yesterday XX/XX/23 they called eights times. I feel that is excessive.
Company Response:
State: NC
Zip: 28328
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX XXXX XXXX Credit Card Comenity Capital Bank, XXXX XXXX XXXX, XXXX, XXXX XXXX above receives payments at : Comenity - XXXX Credit Card XXXX XXXX XXXX XXXX, XXXX, TX, XXXX I spent {$200.00} in XXXX XXXX XXXX XXXX XXXX, XXXX in early XX/XX/XXXX. I was encouraged by the clerks to use XXXX XXXX store credit card to get discounts on purchases for my Great grandkids at XXXX. I did not have the XXXX credit card card with me. No worries clerk says, she will look it up on computer. I received XXXX bill in the mail, wrote immediately my check # XXXX for entire balance of {$200.00} and placed in XXXX, XXXX XXXX XXXX box myself on XX/XX/XXXX. The due date was XX/XX/XXXX, fully 1 week later. They claim it was not received, but my checking account shows it was paid XX/XX/XXXX. Clearly there is a possibility it was there on time, as Comenity has some processing time to open mail and submit a check for payment. In XXXX, I received another bill for a {$29.00} late payment, as Comenity claimed receipt of payment in full was on XX/XX/XXXX, not XX/XX/XXXX. I wrote another check for {$29.00} and mailed it on XX/XX/XXXX at the XXXXXXXX XXXX XXXX XXXX myself. Again, the bill was due XX/XX/XXXX and I mailed the check 10 days before the due date. On XX/XX/XXXX, Comenity, ON THE DATE DUE, printed a bill notifying no payment received and charged an additional fee of {$30.00} added it to the {$29.00} ( which was in transit ) for an immediate payment due of {$59.00}. Not surprising to myself, Comenity processed my payment of {$29.00} on XX/XX/XXXX now 23 days after I placed it in the mail. I suspect that it was at the correct location on time as I mailed it 10 days before date it was due. Today, I gave up. I called Comenity and gave them permission to draft my bank account over the phone just to get out of this SCAM. The amount I owed was {$66.00} to pay account off in full. I have paid {$95.00} in fees. Of course, I closed the account with Comenity. I do not trust this will occur, as it was over the phone and this bank seems to take every opportunity to avoid documentation of payments received. I am reporting Comenity Capital Bank for unfair business practices. I believe that Comenity intentionally delays receipt of payment to generate fees it does not deserve. I believe that it deliberately blames the XXXX XXXX XXXX for Comenitys business practice of insufficient staff to process PAPER checks. I demand that Comenity refund me {$99.00} in unjust fees.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I received several emails from XXXX XXXX XXXX XXXX. Thats a store that I am not used to visit. I did not open any emails until XX/XX/XXXX, when I noticed that one email said : Welcome and Thank you for joining, and then another email that provided a purchase confirmation number. when opened the email it showed my home address and my name, and the shipping to address in XXXX also with my name. I called right away to XXXX XXXX XXXX XXXX and they provided me with Comenity Capital Bank telephone number. I contacted them immediately. They told me that they were going to close the fraudulent credit card under my name due to identity theft and that they will be sending me a questionnaire in the mail, i have not received it as of yet XX/XX/XXXX. To my surprise all credit bureaus, XXXX, XXXX, and XXXX have received a hit with this new credit card under my name.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Calls from a restricted number twice a week for months. I contacted the person who allegedly owes the debt ( if they even owe anything at all ) and they have contacted Comenity about this. The calls keep coming and they need to get their act together, I have no idea why they started XXXX me in the first place.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Comenity BankXXXX is attempting to collect a debt that is fraud/erroneous. I had an open account with this company but never charged services. I filed an official dispute and sent proof that I didn't have a debt/balance with the company, and since then ( over 90 days ) have chosen not to get back to me within that promised 90 day time slot. They are still truing to collect even thought the account is in dispute. Their dispute/fraud department will not take my calls and frequently hang up the phone when I call them. They are ruining my credit because i refused to make payment on money I never borrowed.
Company Response:
State: TX
Zip: 75028
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This is the second credit card company in the last year where someone is trying to open a a credit card account using my name. I would like to freeze my credit.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I had a closed Victoria Secret credit card. It was paid off, no balance owed. Someone unknown to me went into a store purchased items using my social security number on the keypad, with no card or ID present. This also re-opened my closed account. Commenity Bank calls me 8-12 times a day. Everyday, at XXXX they call my phone and wake me up from a deep sleep. ( I work late hours ). Throughout the day, they continue to call while Im at work using no caller ID, so I wont know its them. I feel completely harassed and over whelmed by the constant calls. Also, they want me to pay the balance on a card I had closed! I have no idea who stole my social security number, but they allowed someone to use it at the register by punching it into the key pad. It is THEIR fault for allowing the card to be re-opened and used, with no ID or card present. They failed to protect me as a consumer. I should of been called from the store to verify, or ID shown. I can not take this harassment any longer. Im desperate for help. I have a medically fragile son, who calls from unknown numbers often, so Im forced to answer these no caller ID calls in case it is him. 8-12 calls a day I believe is harassment.
Company Response:
State: CA
Zip: 95762
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A