Date Received: 2023-02-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XXXX I initiated payment to New York and Company at approximately XXXX XXXX. My billing document in fine print indicated payments must be received by XXXX XXXX ET. When I initiated the payment I was informed I would be charged a late fee in the amount of {$37.00} because the payment was not received before XXXX XXXX ET. I asked for clarification and was informed the deadline listed on the front of the bill in the fine print was the deadline for " mail-in '' payments only rather the deadline for " phone payments '' listed in the fine print on the BACK of the bill was XXXX XXXX ET. Should there be a provision to prevent companies from : 1. Charging these fees when a consumer has made the payment on the due date regardless of time and ; 2. Listing the time frame in two different places on the bill? Please advise what consumer protections are in place regarding these egregious practices by all credit card companies. Additionally, I would like the company to return the money paid for the fee incurred.
Company Response:
State: GA
Zip: 31763
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: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: DEAR COMENITY BANK/LNBRYANT ( XXXX XXXX XXXX XXXX, OH XXXX ; ) I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XXXX OF 2020 FOR 60 DAYS LATE? 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 COVID-19, and being hospitalized 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: 02302
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: COMPLAINT ABOUT XXXX XXXXSURVEY XX/XX/ The first rep I spoke to said he could not hear me. So I spoke up. He said he still could not hear me, so I ended up yelling. He then said he could hear me. After a bit of time, he had the gall to tell me to stop yelling. I WAS YELLING BECAUSE HE COULD NOT HEAR ME. Ended up hanging up on me. I do resent the fact that I spent over 90minutes of my time and still did not get my issue resolved. I DO NOT EVER WANT TO DO BUSINESS AGAIN DUE TO THE XXXX WAY XXXX XXXX DOES THINGS. Know what each can do. I sent a chat to the store to find out my balance. I was told they could not help me and gave me an invalid comenity bank website. I tried and tried and tried and tried to get into the bank site. I finally got in after what seemed like forever. After the second rep gave me 2 emails with the correct site link. After what seemed like forever, the second rep finally told me that he could not help me and was on the phone with the store. The store that said they could not help me. He finally got back to me saying there is a whopping {$.00} on a gift card. The major problem with that is that no one can tell me where it is. IT IS A SERIOUS SHAME THAT XXXX XXXX DOES NOT CARE ABOUT THE CUSTOMERS TIME. I had contacted the Consumer Financial Protection Bureau regarding another issue with this XXXX customer service. They were told that a credit of {$32.00} had been applied to my account. When I asked the second rep, he could not locate that credit. I will be contacting the consumer financial protection bureau again about this. MAYBE XXXX XXXX WILL NOT WAIT 6+WEEKS BEFORE REPLYING TO THIS COMPLAINT LIKE THEY DID THE FIRST ONE. Thank you for taking the time to complete this survey. Your opinion is very important to us, and we truly value your feedback. LIAR, LIAR, LIAR
Company Response:
State: OH
Zip: 44024
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: 2023-02-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Received monthly XXXX XXXX bill on XX/XX/XXXX for {$42.00}. Mailed payment on day received, XX/XX/XXXX. XXXX bill showed payment received on XXXX and stated due date was XX/XX/XXXX. I called around XX/XX/XXXX when I received monthly bill for a {$30.00} late fee. I told CSR that I had cut up the card and had mailed payment on the day it was received. I told them I couldn't understand why it took 13 days to process my payment. CSR said they would close the account and remove the {$30.00} late fee. Today, XX/XX/XXXX, I received a bill for {$60.00} for two consecutive late fees. I immediately called XXXX. XXXX and they said they could not do anything about it over the phone and it had to be reviewed by someone. I told the CSR that I was told in XXXX that the CSR said she was removing the {$30.00} late fee. I never carry a balance on this card and pay the balance every month. She said none of that matter and it was a system process that she had no control over.
Company Response:
State: GA
Zip: 30033
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: 2023-02-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had an XXXXXXXX XXXX credit that I paid off on XX/XX/2022. I made a payment of {$190.00} and ask to cancel the card. Two months later, the credit card company sent an email and saying that I owe them a payment of {$43.00}. Not one time did I get a statement in XXXX from them stating that I owe anything.
Company Response:
State: SC
Zip: 29360
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: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: In XXXX XXXX I filed a dispute with XXXX, XXXX and XXXX regarding my payments had stop and were not being reporting from my credit card with Comenity BankXXXX XXXX for the several months and I want the payments to be updated because my account has always been in good standing and never late payments. On XX/XX/XXXX XXXX Credit Bureau informed me that Comenity BankXXXX XXXX had removed my account from my credit report. I called XXXX on XXXX XXXX XXXX and was told they could not reinsert my account. They told me to call Comenity Bank/ XXXX XXXX and I did both Comenity Bank/XXXX XXXXXXXX and XXXX are refusing to correct this problem which is hurting my credit score. I have been communicating with XXXX and Comenity BankXXXX XXXX from XX/XX/XXXX to present, XX/XX/XXXX and I am always told allow 30 days. XXXX asked me to send the correspondence from Comenity BankXXXX XXXX they had contacted XXXX and I submitted supporting documents of my active and good standing account with Comenity Bank/XXXX XXXXXXXX but nothing has been done. My entire credit account is removed ONLY from XXXX. XXXX and XXXX are correct. As a consumer this is not fair because I pay my credit accounts on time. At this time I do not what to do. This has decreased my credit score and limiting my credit availability and causing high interest rates. Comenity BankXXXX XXXX is stating they are reporting to XXXX but if there is no account with XXXX what are they reporting.
Company Response:
State: TX
Zip: 76123
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Back in XXXX, 2022, I enrolled in automatic payments for my BJs Mastercard Credit Card, using my debit card. The payments never go through and I am, every single month, charged with a late fee of {$41.00}. They apologized and stated that payment was going to be deducted the next month, but it never happened. They dont waive the late fees and today, after the 4th call I have made about the issue, they told me that they dont have automatic payments, and that I had to do it myself online every month. I find that practice abusive and discriminatory XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they think they can trick and collect money from.
Company Response:
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Comenity bank charged me interest after I paid my statement amount in full. Payment was made and received prior to the payment due date. I spoke to the customer service call center on XX/XX/XXXX, was told they could not remove the charge because I had emailed the card company through the website. I was then told if I did not pay the {$2.00}, I would be charged a late fee. I called again XX/XX/XXXX and was told my account had not been paid in full and I owed the interest and would be assessed a late charge. I told the girl I was not paying a late charge and wanted the account closed. she then wanted to charge a fee to process the payment by phone. I refused and said I would pay online and to close the account as I was not paying them another cent. This bank is the only one Ive ever dealt with that charges interest after you have paid the statement balance due.
Company Response:
State: AZ
Zip: 85213
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have contacted these companies on my credit report several times. None of them will remove their in accurate information from my credit report. I have reached out to their companies as well as I ask for information regarding the accounts that are associated with my name be removed from my account. I have paid these accounts in full. These accounts on my credit report were supposed to be took an off after making all payments in full. This is what the companies customer service representative and specialists are saying, but nothing is being done. I asked for documentation of these accounts, and the results of the paid status, and the removal of these accounts from my credit report they are not sending me any documentation and they are not removing them from my credit report as they said they will do so. They are reporting back to the credit bureau that they are refusing to remove this information and they will not reach out to me about why they will not remove this information as it is a resolve situation, prior to their agreement to remove. I pay all accounts off in full and on time. I should not have to suffer the inappropriate behavior of these companies lying to the consumer as they continue to promote negative credit status against the account holders.
Company Response:
State: NJ
Zip: 08104
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Last year in XXXX Comenity acquired my nflvisa account from XXXX. I have never missed a payment on that account and always paid the balance in full before the end of the billing cycle. The last transaction posted to the account was on XX/XX/XXXX to pay a charge I had made several days prior. The account had a XXXX balance after that payment and the card has not been used at all since that time. In XX/XX/XXXX, Comenity reported that the account was 180 days delinquent in XX/XX/XXXX causing my credit score to drop. I contacted Comenity by phone and the person there acknowledged that the balance was XXXX on XX/XX/XXXX and there have not been any transactions since then. They also acknowledged that the account was in good standing on XX/XX/XXXX but for some reason was marked as delinquent when they acquired the account from XXXX in XXXX. I requested that they look into it and correct the report of late payment since it is impossible for me to have a late payment in XXXX when the balance was XXXX seven months prior to that and there have been no transactions since that time. Comenity now reports that my account was 180 days overdue every month from XX/XX/XXXX through XX/XX/XXXX even though they acknowledge that there were no transactions at all during this time and the balance due was always XXXX. I have asked Comenity to remove the reports of late payments that did not exist but they refuse to do so and will not provide any information to support why they are reporting it is late. All Comenity will do is send me a letter stating " We find that we are unable to make any adjustments to your payment history as requested ''.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A