Date Received: 2023-02-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I use XXXX bill pay service. On XX/XX/XXXX I mistakenly made a payment to my old, expired XXXX XXXX XXXX XXXX card issued by Comenity Bank through XXXX 's bill pay system. The amount of the payment was {$3700.00}. The card number on that account is XXXX XXXX XXXX XXXX. The card expired in XX/XX/XXXX. I have contacted XXXX on several occasions and were told that they have no ability to search old accounts and suggested I ask XXXX to file a dispute against them to get my payment sent back to XXXX. I filed a dispute and after XXXX plus months, XXXX has been unable to retrieve my payment from XXXX. XXXX also told me that I had no way of contacting directly their dispute center... very odd I thought. XXXX has verified that XXXX did receive the electronic payment from my bank account on XX/XX/XXXX. The Comenity folks told me that the payment should have bounced back to XXXX since the XXXX account was no longer valid but that has not occurred. Any help at this point would be greatly appreciated. My Truist checking account number from which the payment was sent is XXXX. My address at the time we had the XXXX card in XXXX was : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( we have since moved to XXXX, XXXX ) Please let me know if you require any further information. Thanks in advance for the help!
Company Response:
State: TN
Zip: 37743
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i keep asking them to verify the account and all that they say is that it's my account. I ask to see the signature and they say that all they have to do is to verify my ssn and that's all.
Company Response:
State: CA
Zip: 92139
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX Kay 's Jewelry has violated my rights. 15 USC 1681 Section 602 States I have rights to privacy. 15 USC 1681 Section 064 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose,
Company Response:
State: NY
Zip: 14227
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted the company back in XXXX to close my account, and received a message saying they would take care of it. Starting around XX/XX/XXXX and from that point on, I have been receiving calls from them ; I was not sure why since I was told they would close my account. Recently I saw that my credit score changed and saw that I had missed a payment to Comenity Bank which I thought was not right since my account was closed. I started a dispute through XXXX in XXXX to figure out what was going on, but from the results, the account is still on my credit report. I have tried logging in to my Comenity account to see what I could do, but they have no record of me when I try to reset my password/username. What I am trying to figure out is if they do not have a record of me currently banking with them, why is my account apparently still " active '' and I am having to continue to make payments even though I am no longer attached to them?
Company Response:
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I had called Comenity bank on XX/XX/XXXX, about a fraud on my card. Comenity bank had cancelled card due to fraud. A few months later I noticed that I had a balance with Comenity bank for a card I did not have possession of. I called on XX/XX/XXXX. Let the girl know that I did not have any cards in my possession from comenity bank. She stated " No you don't '' she transferred me to fraud dept. Let them know of situation they will take care of it. ( sorry, I did not get names ). So as of today XXXX XXXX, XXXX I still have that card on my credit report and no help from the credit bureau with filling a fraud. Also I have a police report that I filled out. Case # XXXX.
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I previously completed paying the balance of a store credit card with forever 21/ Comenity Capital Bank and requested that the account be closed during the month of XXXX. This information did reflect on my credit report on XX/XX/2022 as it showed that the account had been closed with a XXXX $ balance due. However, my current credit report as of today, shows that this same account which Id already paid off and previously closed is delinquent. Ive called Comenity Capital Bank several times and have been told each time by representatives that the account would be closed yet when calling again to confirm this is so Im told there is still a balance and that I am required to make payment nexts month as well.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022 I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX to inquire about eyewear. I told the lady that I had a prescription from a previous optical place, but she suggested that I take another eye exam just in case there were changes. She also suggested that she can give me a great deal on eyewear. I mentioned that I didnt want any hard inquiries on my credit report and she insisted that it wouldnt. Weeks later my credit score dropped and I started receiving statements from Comenity bank. They also started contacting me regarding late payments. I never gave authorization for the order to be processed. I contacted both parties and they said I would receive a callback, which that never happened. Bottom line is my eye health is deteriorating. My credit score also dropped drastically.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: A check for {$2300.00} was mailed to Comenity Bank to pay the full balance of my XXXX XXXX credit card, on XX/XX/23. the check was applied to the account according to their website on XX/XX/23. The account was overpaid by {$200.00}. Yesterday I emailed them and requested the {$200.00} I overpaid be refunded to me and received a response that the refund request had been made and to wait 7 days for the check. Today I logged into check on things and the website shows that the {$200.00} credit has been reduced to {$150.00}. Reviewing the account it clearly shows interest being charged the day AFTER the account was paid in full. I do not believe these charges are valid and want them reversed. I called the company and spoke to 2 different individuals XXXX ( I may be remembering their name wrong ) first and then a supervisor XXXX. Both insisted that they can not reverse the charges, and XXXX insisting that they are valid. The first person I spoke with also said that the payment posted on XX/XX/23, but as you can see from the attached pdf of my account ( account summary.pdf ) it says it was posted on XX/XX/23. According to the dates on their website after logging into my account, the charges were posted after the balance was paid in full. I have read my account statement and I do not see anything that says they can charge interest after the balance is paid. I want the charges reversed and my full overpayment of {$200.00} refunded to me. Thank you for your time and assistance. XXXX XXXX
Company Response:
State: UT
Zip: 84120
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per 15 USC 1681, I have the right to privacy. My account beginning with XXXX has been subject to violations. According to the report, the collection agencies reported the past due dates on my account which is a violation per 15 USC 1681. I want these improper reports to be removed immediately from my account.
Company Response:
State: IL
Zip: 62226
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I HAVE DISPUTED THESE ITEMS TO BE REMOVED OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE 3 OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.
Company Response:
State: SC
Zip: 29412
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A