Date Received: 2023-02-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/, 2023, I contacted the business concerning automatic payments. I was instructed on setting up said payments online for payments due on the XXXX of each month beginning on XX/XX/XXXX. The representative informed me that she needed take a manual payment for the month of XXXX. On XX/XX/, 2023, I noticed two payments had been debited from my account in the amount of {$210.00}. I attempted to resolve this matter with the business via telephone on five ( 5 ) separate occasions : XX/XX//2023 ; XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 and XX/XX/2023. Each time the business states it will refund for the unauthorized debit. To date, I still do not have a refund. The business has also taken scheduled payments rather than attempting to resolve this matter amicably. Further, I was fined fees from my bank as a result of this circumstance.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I applied for a credit limit increase on my card as I have excellent payment history and use autopay set monthly and have never missed a payment. They sent denial stating multiple reasons that are not true and I don't know where this is coming from and I have checked my credit reports and do not see the issues they are stating and other cards have given me increase with no issue and have not mentioned these supposed issues. The issues they state are Delinquent or derogatory real estate secured loan Balances on delinquent or derogatory revolving accounts are to high Delinquent or derogatory account Too many delinquent or derogatory accounts
Company Response:
State: VA
Zip: 23608
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX Called Comenity Bank to payoff/close my XXXX credit card in full. Payment processed over phone XX/XX/XXXX Received a XXXX statement with a balance. Called Comenity and was told consisted of additional accrued interest and late fee ( even though they had assured me my payment in XXXX would pay off in full ). Payment processed over phone. Assured payment would zero out balance in full. Comenity reported payment 30 days late to credit bureaus flawing my perfect credit history XX/XX/XXXX Received a XXXX statement with a balance. Called Comenity and spoke to 2 supervisors. Not cooperative at all or willing to rectify error on their part
Company Response:
State: NM
Zip: 88011
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: Hello! During the pandemic in 2020, it was difficult to keep up with my payments due to being off and on with work when places would re-open and then close again. I had trouble being consistent with my payments, but now I am in a better place as I have a more stable job. I am a hard worker, and didn't mean to miss these payments. I am doing my best to not repeat those same mistakes in the future.
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Today on XXXX XXXX at XXXX XXXX in XXXX XXXX, FL XXXX XXXX around XXXX XXXX I went to make a return without a receipt and the worker at the counter states to hand over my drivers license - The worker at the front is new as she stated it to me and the person before me. She was having a hard time and continue to scan my license. The screen on my end stated to enter my birthdate which i did and then came up to enter my social - before I did that I stated to her why do you need this I have never been asked this before and she states this is the new policy for a return with a receipt so I ended my social as she is clicking things on her end and then on my screen it says congratulations you have been approved for a credit card at XXXX XXXX with the credit amount. I stated to her why is this coming up I did not come here for a credit card I came here for a return and she states she did not know how this happened. I asked to speak to someone higher up then she was and XXXX came to the front and I explained what happened. She gave me the number to the bank to call them to get it canceled as it is beyond what they could do at the store. This is fraud, I never once asked for my credit to be ran nor a XXXX XXXX. XXXX XXXX solicited a credit card application to myself without my knowledge or consent. The worker XXXX at the front had no idea and was pushing buttons. This needs to be canceled and not sent to the credit card agency or cleared off of that too.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Problems paying off Comenity Bank. I took out a loan with XXXX XXXX XXXX XXXX to payoff debt with Credit Card with Ultamate Rewards/Comenity Bank . XXXX XXXX XXXX XXXX sent a check to XXXX Bank in the amount of {$10000.00} with my account number check dated XX/XX/XXXX. I continued to receive notices that my account was past due and I called to speak to representatives on multiple occasions. By XX/XX/XXXX, I spoke to the " Dispute Department '' because the check had not been received ; they could not locate the check and would do an investigation. I contacted XXXX XXXX XXXX XXXX to let them know. Due to the check being of such a large amount XXXX Bank XXXX XXXX decided to stop payment on check and issue a new check. A new check dated XX/XX/XXXX was issued and mailed the same by priority mail. Notice was received that the payment was received through XXXX Postal Service. I kept receiving calls and soon received statement that payment had not been received. Then that same week, I received the 1st check dated XX/XX/XXXX in the mail it was returned to me stating insufficient. I promptly called Comenity Bank, stating the payment posted on XX/XX/XXXX and was returned XX/XX/XXXX. Yes, the XX/XX/XXXX check payment was stopped because too much time had passed it was considered lost. It was now, XX/XX/XXXX and Comenity Bank returned the 1st check and the 2nd check for {$10000.00} was now lost. I have made multiple calls to dispute department with NO resolution. They have lost two large checks which could not be posted. Now, I have {$82.00} or more late fees on my account and interest fees accumulating. They have also reported the missed and late payments to the credit bureau ; my credit has taken a terrible hit due to their mistakes. Comenity Bank has over XXXX complaints that are of the same nature. What is happening to these checks mailed priority and why are they not posted immediately? Why was the 1st check dated XX/XX/XXXX posted on XX/XX/XXXX over a month late? It is XX/XX/XXXX, and the 2nd check dated XX/XX/XXXX mailed priority has not been found or posted. We keep going around and around with them asking me the same questions and to submit the same information. The checks in the amount of {$10000.00} is too much money for them to be losing. This is considered terrible practices and customers being mistreated as well as milked for additional fees.
Company Response:
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: XXXX XXXX from Comenity said my accounts would be adjusted and come to a fair resolution for the issues that Comenity has had for the last 8 months. XXXX XXXX from Comenity has decided to negate everything that was supposed to be adjusted and demanding I make a payment now instead of working with me. Threatened that my accounts will be charged off. I have been dealing with Comenitys horrific payment systems for the last 8 months. They tried blaming me for their issues.
Company Response:
State: OH
Zip: 45005
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
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: Dear COMENITY BANK/VCTRSSEC # XXXX ; I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response:
State: UT
Zip: 84663
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I had a store account with XXXX XXXX - Comentiy Bank that I requested be closed on XX/XX/XXXXXXXX XXXX. I have documentation from the bank showing they agreed and confirmed the account was closed on that date. My credit report shows the account closed as well. My issue is that comenity bank hasn't truly closed the account ; they have been charging me monthly interest fees at {$3.00}, then throwing late payments on top of that. I didn't realize this was happening until XXXX XXXX I found out because they reported late payments to the credit bureau. I immediately contacted them to see why I was incurring charges on an account that has been closed.They stated the account was closed again, so I thought the situation had been handled. Fast forward to XXXX XXXX, XXXX I get hit with a {$230.00} late payment from them. At a loss, I paid it, I know I didn't owe, but I was hoping that would resolve the issue. The account officially had a {$0.00} balance again effective XXXX XXXX, XXXX. Sure enough, on XXXX XXXX, I was hit with an interest charge of {$3.00}, so it seems they have started the cycle all over again. every time I call the company, they either assure me the account has been closed, or hang up on me after placing me on hold. I believe the practices they are using are predatory, and I would appreciate it if someone would investigate further so this doesn't happen to others moving forward. It has been a nightmare, all I want is for the account to be actually closed and not to be charged moving forward.
Company Response:
State: IL
Zip: 62959
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The company is XXXX XXXXXXXX from Comenity Bank. A vendor, XXXX XXXX, sent a refund credit of {$1000.00} back in XXXX. It was sent to a credit card account which I closed last year due to fraudulent activities. That card was replaced with a new one which I use and still active. I have requested a refund since XXXX, sent them a copy of their OWN statement but has been given the run around. They started a dispute but I am not disputing anything. I just want my {$1000.00} refunded.
Company Response:
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A