Date Received: 2023-02-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022 someone applied for a Ikea credit card in my name
Company Response:
State: IL
Zip: 60008
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Paid bill in full on XXXX ( attached bank statement for proof ) Received a {$30.00} late fee bill. XXXX XXXX XXXX called was told this would be removed. XXXX another bill with additional fees called again would be removed,XXXX looked online not removed, talk to XXXX # XXXX told me all would be removed, XX/XX/XXXX XXXX XXXX XXXX said she would remove yet another charge of {$1.00} ( that was removed but not {$60.00} ) XXXX XXXX told me I had a XXXX balance. Looked online now have a XXXX balance. Started contacted by email XXXX I am not getting a straight answer as to why this was not removed after providing proof of my bank statement where bill was paid in full and on time. Since I submitted proof and have called and email they are still saying that they are going to notify the credit bureau and I still owe the money -- -which I DO NOT!!
Company Response:
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
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: Comenity Bank is reporting inaccurate, unverifiable and otherwise irrelevant information regarding an account with Express, a store that is not local to me. I disputed with XXXX and XXXX, and those credit bureaus state that Comenity Bank verified the account presumably using XXXX. I would like to know who at Comenity Bank spoke with XXXX and XXXX and provided a preponderance of evidence that the aforementioned account was mine. Where is the application that bears my signature? Where is the contractual obligation that states I must pay the account? See the attached complaint form. Please remove this account in accordance with Reg Z and the FCRA.
Company Response:
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Very simple. Promotion was Earn a {$100.00} statement credit when you open and use the Sony XXXX within 60 days of account opening. Then, earn a {$50.00} credit when you spend {$500.00} within 60 days of account opening. On XX/XX/2022 I received an email from Comenity stating " Youve made your first purchase with your Sony XXXX Credit Card, which means your {$100.00} statement credit is on the way! Keep using your Sony XXXX to earn another {$50.00} statement credit when you spend {$500.00} within 60 days of account opening. '' XXXX XXXX XXXX of Comenity claims " On XX/XX/2022, a {$100.00} statement credit was applied to the account. New cardholders receive a {$50.00} statement credit after the first card purchase. New cardholders also receive an additional {$50.00} statement credit after spending {$500.00} or more within 60 days of account opening. '' He is referring to the current promotion, NOT the promotion that was in effect when I got this card ( as proved by the bank 's email to me ). XXXX XXXX also fails to notice that the initial {$100.00} credit to me was paid BEFORE I spent {$500.00}, so his explanation is obviously incorrect. I reached the {$500.00} total of XX/XX/XXXX. All I ask is that the bank live up to the terms of the promotion. I have included copies of the bank 's XXXX email to me, a second email dated XXXX stating " Dont miss out on another {$50.00} statement credit '' and XXXX XXXX XXXX letter.
Company Response:
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This issue is with Comenity Bank - XXXX XXXX XXXX Credit Card I have attempted to fix this issue, three times. In early XX/XX/XXXX, I checked my XXXXXXXX XXXX XXXXXXXX credit card account as I have three purchases on the same card. Purchase 1 - 12 Month Deferred Interest ( Expired XX/XX/XXXX ) Purchase 2- 18 Month Deferred Interest ( Expires XX/XX/XXXX ) Purchase 3 - Low APR 48 Months I checked the account balances to ensure that my deferred interest payments had been paid off and recalculate the amount owed on my automatic deduction. I located what I believe to be an error with my statements and payments, specifically how they are being applied. On my XX/XX/XXXX statement, I had a balance of {$220.00} that expired on XX/XX/XXXX. I immediately made a payment of {$220.00}, that was posted to my account on XX/XX/XXXX. I had assumed, that my payment of {$220.00} would go to pay of the balance of the 12 month deferred interest charge, but I saw on my XXXX statement that it did not. Additionally, because the payment did not go to that charge, I was charged {$180.00} in deferred interest on the account. I contacted Comenity Bank in XXXX to address this issue, and ensure that my payments were being applied towards the deferred interest charges first and then the low APR. They ensured me on that call that my payments would be adjusted correctly and that they would be refunding me the deferred interest. I was told that it would update on my next billing cycle. On XX/XX/XXXX, I checked my statements again and discovered that it was not corrected. Additionally, I discovered that I still had not paid off the remaining {$.00} on the 12 month deferred. To me, this has to be impossible since I pay significantly more than the minimum payment on the overall balance. I believe that Comenity Bank has chosen to allocate my money differently than I have asked in order to charge my accrued interest fees. On XX/XX/XXXX, I again contacted Comenity and was told that my money was now going to be allocated the correct way. I was also told that money goes to my highest interest, which is technically the Low APR charge. I explained that while technically that is correct, it is wrong. Because now that I am outside of my deferred interest on the 12 month, I am actually paying 29.99 % on that charge, and soon to be paying 29.99 % on the 18 month deferred. These concerns were looked into and then I was told that nothing additional could be done. I have expressed numerous times how I want my money to be allocated. Additionally, you have to call into Comenity because the options for allocation are not available online.
Company Response:
State: VA
Zip: 20136
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity bank has been calling me from unknown numbers 7 times a day throughout this week since my payment became late on XX/XX/2023. I asked them to not call me excessively and that late into the evening, and they stated that they are allowed to call as many times as they want as long as its between XXXX and XXXX and insisted on that when I repeatedly asked to not be called excessively as it feels like harassment. I have missed calls for job interviews due to avoiding the phone because of their excessive calling from unknown and random numbers. They do not even verify that Im the right person when they call, just ask for my first name and go straight to demanding payment. I told them that I would pay the bill as soon as Im able on my next pay day, but they were at that point still insisting that they would call as much as they wanted to. They only relented and said they would stop when I said I would seek legal help with this is they did not stop. The amount owed is less than {$100.00}, I should not have to deal with days of harassment and rude phone calls when I am already agreeing to pay the debt as soon as Im able and kindly requested not to be contacted excessively.
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Comenity bank is reporting a wrong last name linked to my social security. I tried to resolve through their website to no avail. I called and the operator refused to allow me to talk to a manager.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There have been multiple attempts to open XXXX Credit Cards and XXXX Bank Credit Cards in my name. Someone successfully opened a Comenity XXXX XXXX XXXX card in my name. Someone has done a change of address for me, and I did not receive my mail for several days. These 3 issues have been resolved. This morning I was alerted to 2 new Comenity Bank Cards opened in my name. Working to close these accounts. I have put Fraud Alerts and Credit Freezes on my reports as of Monday. These cards all show dates before the freezes and alerts were placed. Thank you, XXXX XXXX
Company Response:
State: KS
Zip: 66212
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
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: On XX/XX/2023 I noticed a charge on my express credit card for {$450.00}. I did not make any purchases that day. I was actually at work. When I logged into my account, it stated that a bag of some sort had been purchased for that amount in Ohio. I reside in Kansas. I immediately called the company and advise them that I did not make this charge, and I was told that it would be reported to fraud. I noticed that the charge was removed from my account, and it was taken off of my credit report. I thought that the matter had been solved, I was told that the account had been closed, and I would be issued a new card. On XX/XX/2023 I received a notation in my credit monitoring that my credit score had decreased by XXXX points. I also received an email from XXXX stating that my bill was due to be paid. When I logged into my account, the previous charge of {$450.00} was stating as amount owed. In the first opportunity during my workday, I called and I spent a significant amount of time on the phone trying to rectify this. Unfortunately because I work in medicine, I had to return to see another patient and I had to get off the phone. I called back at the very next opportunity, the same evening, and was transferred multiple times. Each person I spoke with, said that they didnt understand what had happened, and they were going to transfer me to a department that could assist me. on XX/XX/2023 at XXXX XXXX. I spoke with the fraud department with a person named XXXX. I was advised that there is nothing she could do and that I must call again tomorrow to speak with another fraud department. I did advise her that I work in medicine, and a critical access hospital where I am the sole provider. Due to the nature of my business ( emergency room ) there is no physical way. I can call to be on the phone at XXXX XXXX, there is no one to cover for me. She stated that she was sorry and that I needed to call. I asked each person I spoke with, if they could tell me what had happened that this charge was placed back on my account, I have never lived in Ohio. I do not know anybody in Ohio. And I have not used that card to purchase anything. I have yet to receive an answer, my credit score has declined significantly, and I have no way of managing this problem despite spending hours on the phone and multiple phone calls.
Company Response:
State: KS
Zip: 674XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022 I applied for an XXXXXXXX XXXX XXXXXXXX and was denied an extension of my own credit.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A